I have made no payments for 9-10 years, nor have I made any contact in any way to this debt collector. All correspondence has been ignored.
The card appears to be in my name solely and in any event I have never had any joint credit cards with Bcard.
I find this "evidence" highly dubious. Who would want to make 30+ payments via a post office to an account in my name. The only explanation must be mistaken identity and/or an input mix-up by their computer operative , both of which are their problem.
Jo Your advice so far has been excellent.
I intend writing to dispute the debt , explain the extra-ordinary payments which strongly suggests mistaken identity or computer error and in any event they are time barred. Should that be an open letter or without prejudice?