I have been in a DMP with Payplan for the past 5 and a half years, a combination of their skills and this website has kept us sane over that period. The initial 6 months before we found Payplan was a nightmare with the phone calls, the past years have been bliss, until the past year with one creditor.
At the end of 2012 I received a letter from a well known debt company (who already have one of my agreed debts) regarding a small mail order debt.
Letters from me saying the debt wasn't mine, were ignored and it was finally passed to a collections agency.
A stern 'prove the debt' letter from me was sent along with reporting to relevant authorities etc. Then in 2013 letters from the collection agency and original debt company were received agreeing the debt wasn't mine, it was somebody else and all details about me have been removed from their systems.
Well blow me, a year later I've had another letter from them asking me to contact them regarding this debt, which last year they agreed wasn't mine !!!
So do I politely respond (bearing in mind they do manage a legitimate debt of mine) or do I get nasty and report them to every authority possible.