DEAR DEIDRE: AM I being scammed or do I really owe someone money?

Five years ago, I lived in New York, where I had a job and a flat.

Am I really in debt or is it all a big scam?


Am I really in debt or is it all a big scam?

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Things didn’t work out with my partner, so I chose to come back to the UK.

Then, yesterday, I received an email out of the blue from a company based in the US.

The email asked me to contact a credit recovery firm urgently but gave no further details as to why.

This struck me as weird. But when I looked up the company and the address given, they appeared to be genuine.

I’m 35 and have always thought of myself as a savvy guy. But I can’t tell if this is a scam.

And if it isn’t, and I ignore it, I could get into some big trouble.

What if I owe five years’ worth of debt? Imagine the interest now accrued What should

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DEIDRE SAYS: It does sound odd that a genuine creditor would contact you now out of the blue after so long.

If you aren’t aware of any outstanding debts from your life in New York, then this is either an error or a scam.

Rather than contacting the sender – which risks giving them personal details they could use – contact Action Fraud for advice (, 0300 123 2040).

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