Demand For Payment

[cocococo]

Hi i hope someone can offe me some advice please as I dont know what to do.
I keep receiving letters from GM - LAW SOLICITORS in my maiden name for £2654 , I dont know what debt this is for and i have also been married for 8 years. I am really worried about this and am frightend to contact them.
Any advice please.

[Curlyben]

First NEVER talk to these "people" on the phone as they will try and get you to agree to anything.
Time for a "what the feck" letter then.

Edit as needed

Dear Sir/Madam

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

I/we look forward to your reply.

Yours faithfully

[cocococo]

thank you for the quick response i will send that straight away

[tiglet]

After that amount of time, the debt is in all likelihood statute barred, so do as the crazy ape says and try not to worry about it.

[cocococo]

Well I sent the letter Curlyben advised me to send and this is the response I got back this morning.

Dear .....
Our client has completed a review of the above and instructed us to close our file . If you have any further enquiries you should send your correspondance direct to FV-1 .

Now do I take it that they agree I dont owe the debt or do you think they have transferred the debt ?

[Curlyben]

SOunds like they don't have anything to prove this belongs to you and sent it back where is came from, in this case, FV-1.
I'd be expecting a similar letter from them.

[tiglet]

Hve you checked your credit file to make sure they haven't put anything about this debt on there?

Might be worthwhile checking - you don't want any nasty surprises and it would be better to get it sorted out sooner rather than later if they have.