iqor v me

[everton2005]

got a nice postcard hand posted through the letterbox today saying a representitive had called today and on it it says if i dont ring them immediatly further action will be taken lol i wish i was in when they knocked i am pretty sure this debt is over 6 years old as well

[dpick]

I would say that while they have your address they do not have your phone number, I would print off the don't visit me letter and just keep by the door to give if they return again then tell them to bugger off, don't send it though.

Then just wait for them to write, you never know they may actually give you info on the debt not the normal " We are instructed by our client to recover this debt" no mention of who or account etc.

You may be lucky in that they are not ringing I had 2 calls a day for a week before they got it into their thick heads that I would not discus this on the phone. When they eventually wrote the letter contained all the info for me to know which debt they were trying to collect. I really enjoyed ringing them to tell them they had been sold a pup no agreement get lost.

all the best dpick

[everton2005]

thanks mate it says its for freemans in my wifes maiden name also do you have a link to the dont visit me letter

[dpick]

Hi all this is a copy of a copy etc for dont come to my door.

Dear Sirs,

Please be advised that I am only prepared to communicate with you in writing. OFT rules and regulations clearly state that you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

Therefore take note that I revoke license under Common Law for you, or your representatives, to visit me at my property and if you persist in sending “doorstep callers” to my home, you will be reported for harassment and be liable for damages for a tort of trespass. You would also be liable for conspiring in a tort of trespass by acting in defiance of my instructions and sending someone to visit me nevertheless.

Should it be necessary, I will obtain an injunction.

Yours sincerely,


all the best dpick

[saintly_1]

You could send them a letter asking for proof of the debt

Dear Sir/Madam

Account no:

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



(Your Name) Print do not sign

See what they come up with

saint

[everton2005]

thanks dp your help is very much apprecciated

[everton2005]

thanks to you as well saintly your not far from me