Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I'm a newbie here, so first of all thanks everybody for keeping this great resource going.
I received a letter from Eversheds acting as solicitors on behalf of Arrow Global LLC to obtain immediate payment of £148.18, then the whole spiel about consequences if I don't pay quickly.
Threatened Consequences: Appropriate recovery action, pay in full within 7 days, otherwise your account would not be closed, if not paid in full, your account will/may be reported to relevant credit agencies. if settled in full within 21 days it will be reported as settled.
Background: I have no idea who these people are. This is the first time I received anything or heard in fact from Eversheds or Arrow Global LCC. I did not receive a letter that any debt had been sold on, nothing. The only thing I have that can be called a debt is an outstanding fine for fare evasion on the bus (I know, stupid mistake-won't do it again) , I challenged them on the amount (which was around £165), it went to a hearing, there was a technical hitch and it just went back to TFL. Now I was kinda waiting to hear back from them to know what and how to pay up. Now, this might be what Eversheds is on about or maybe it's all made up. Ages ago somebody cloned my credit card, so it could be that as well.
I suppose I really want to ask two questions:
Firstly what do these threatened consequences actually mean?
Secondly, how do I respond to Eversheds? In a way to find out what this is about without admitting to some debt owed.
Re: first letter from eversheds / arrow global llc
Hello and Welcome, small_change.
Send Eversheds this 'prove it' letter.....
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.
Yours faithfully
Edit to suit and don't forget, print your name, don't sign it
Regards.
Scott.
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I wrote that letter and heard nothing back. Now I received a letter from a different debt collection agency "mackenzie hall".
They send this to a previous address (and it was forwarded to me):
"we are attempting to contact the above named person regarding a personal matter. We have been provided your address as being the possible resdiential details of our subject. therefor if the person named above, then please contact our office immediately on telephone number 01563 556 547 quoting reference number ...., whereupon further detailed information can be provided.
If however you are not the person named above and/or have any information regarding the persons possible whereabouts, then please contact our investigation team in confidence on the alternativbe phone number or email address below."
Then phone number, e-mail address and printed signature.
They don't mention the word debt of course, but I googled them and that's what they seem to be about. Should I just ignore them?
I'm still trying to get through to TFL to settle the original debt, but they are playing hard to get...
And all that for not touching Oyster card in on the bus.
first letter from eversheds / arrow global llc
-won't do it again) , I challenged them on the amount (which was around £165), it went to a hearing, there was a technical hitch and it just went back to TFL. Now I was kinda waiting to hear back from them to know what and how to pay up. Now, this might be what Eversheds is on about or maybe it's all made up. Ages ago somebody cloned my credit card, so it could be that as well.
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Re: first letter from eversheds / arrow global llc
Re: first letter from eversheds / arrow global llc
