SRJ ?

[LIZS]

Anyone had any dealings with SRJ? On googling to seemsot be a debt recovery service. dh has received a letter to confirm current address but giving no details of what it concerns. As far as we are aware we have no outstanding debt so are tempted to ignore.

If there is a debt outstanding that you're unaware of, ignoring the debt collection company might backfire. If there's no debt outstanding but they have you mixed up with someone else or a previous occupant of your home then you'll need to put them straight or it could escalate. If there's a contact telephone number on the letter it's probably worth making a call asking for more details. Getting hold of a personal credit record might also be a good idea.

Just rather dubious at the tactics and lack of info tbh, the reputation on MSE is not good. We moved several years ago, lived abroad before that, so unlikely we have anything outstanding. The only thing I can think of is we changed our bank account last year but even so the likes of aol (who it seems have used this firm) have our address, phone no. and email to make contact direct if there were a problem. What is the easiest way to check our credit rating ?

Easiest way to check credit record is to sign up to something like Experian. They usually want to make you a member and will ask for payment details but, if you cancel your subscription after you've read your credit record, you won't make any payment.

Update: Had another letter yesterday giving some details of alleged debt (in spite of us not acknowledging the first one which cited data protection as a reason for not giving detail ), turned out it was AOL. When we moved 4 years ago then changed bank account last year we had updated the email account details online but this apparently doesn't cross reference with Broadband. Now sorted it direct with AOL, although why they hadn't just emailled to say there was a problem is any one's guess.