That depends if the debt is that of someone like an ex partner or a previous occupant of your property if it is the latter then it would be easy to prove you are not who they are looking for but if it is of someone you know and they have lived at your address with you then that may be trickier but without more detail that’s the best advise i can offer.
If what you are saying is correct they are not allowed to do this and may be breaking the law. There are a number of things you can do but I would suggest that in the first place you contact the Office of Fair Trading.
www.oft.gov.ukWhen they write to you, they normally give you x number of days for you to reply.
Reply, within that period, explaining the circumstances. Then in the final paragraph, state that if you do not hear from them in the same x days, you will consider the matter closed. They of course, will not reply in that time. But, they have entered a Tacit Agreement, the matter IS NOW closed.
Send by recorded delivery.
Phone calls, put the phone next to the radio/TV.There is web site called www.ftc.gov It’s the fair debt collections act . They have guide lines what collections agency’s can and can not do . They can not call you late in the evening or early morning . they can not call your work place or neighbors .If it’s not your debt you can obtain a lawyer they can hold the legally liable for harassing you . They might owe you money . Seek an attorney plus you must show proof that is not your debt . You send a certified return receipt letter asking the collection agency to "CEASE and DESIST " from contacting me and further more it is not my debt. IF they do not honor this letter you have a case against the collection agency

 

The best blog related to credit counseling services