Hello I am solicitor with over 25 years experience. I will try to help you with this.
thank you,I just need to know what to do and write to these people.
When did you separate from your wife? When did you get divorced? Have the debt collectors threatened to commence proceedings within a set period of time?
about 5 years ago..she never devoiced me and I guess this is not relevant,but she took our children and left and I have no idea where in the USA she lives... one week
The point really is that she lived in London at this address and just used my credit and it wan not till after she left the country that I had any idea of it.
I do not see why I should pay for things that I never agreed to or signed for or had anything to do with.
The House that she lived in was in her name not mine and as I said I never ever went there
I don' see why you should pay a single penny of this either. I will answer you more fully later this afternoon. I hope that is OK.
You do not have to pay this bill. It is absolutely not your responsibility. You should reply to “past due” pointing out
- You did not open the account,
- That you never lived at this address,
- That you have no connection with that account at all,
- That you suspect/believe/know that your ex-wife did live there without you and must have fraudulently opened the account in your name without your permission,
- You might like to ask what checks were carried out by BT to verify the bone fides of the account opener,
- Therefore you are not responsible for the debt,
- That you do not want to bothered by them again,
- That if they do bring proceedings against you you will defend them and seek costs against them when their claim fails.
In a well run, well functioning organisation this would probably be enough to stop things but this is BT you are dealing with here so perhaps not.
Anyway you may think this is the best way to proceed for now and I wish you all the best with it
thank you you have been most helpful. BT are just refusing to even discuss the matter and keep telling me its not their problem and keep saying that the bill is in my name and therefore I am responsible..anyhow I have both emailed them again and written as per your advice. The credit company that is acting for BT,has not responded either. I just have one final question. I am worried that the credit company may suddenly act on me out of the blue and come and take my car or something. Is there anything I can do to stop this and warn them not to? These type of people I am told have a habit of such actions...again thank you so very much..John