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Chased by Opos for a debt I know nothing of


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Hello everyone, I am new to this group.

 

I received a letter from Opos (a DCA) back in November 2016,

saying I owe money to an energy company for an unpaid energy bill.

 

 

I replied saying that I did not know their client and the debt was not mine.

I asked them to send me copies of the unpaid bill(s).

 

I received a new letter from Opos last month, containing a settlement offer.

Again, I replied stating that I did not know their client, nor had I ever received any services from them, and the debt was not mine.

 

 

I used a template similar to the one shown under "You know nothing of the Debt / Prove It" in the CAG Library in the Debt Collection folder.

 

I have now received a "Final demand" letter from Opos.

Again, there is no acknowledgement of my two replies to their previous letters.

 

Any advice would be greatly appreciated, thank you.

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Just ignore them.

They have just traced the wrong person and are churning out letters from their computer.

It is not unusual for some DCA's not to respond to any letters received.

 

 

It is up to anyone chasing a debt to supply evidence that a debt is owed by you and they are legally able to collect it.

 

You must check your credit record, just in case.

We could do with some help from you.

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Hi redmoon16 and Welcome to CAG

 

Not much you can do in this instance ..apart from file all the letters together for future reference and ignore them.....have you checked your CRA files to make sure this has not been placed on your credit files.?

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Thanks, Andy. I am keeping all the letters I have received, and I have checked on the Royal Mail website that the DCA has received my replies.

 

Just ignore them. They have just traced the wrong person and are churning out letters from their computer. It is not unusual for some DCA's not to respond to any letters received. It is up to anyone chasing a debt to supply evidence that a debt is owed by you and they are legally able to collect it.

 

You must check your credit record, just in case.

 

Thank you, I have registered with Noddle and ClearScore and there is nothing there relating to this debt (also, the energy company does not appear in the list of my utilities).

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CRA stands for Credit Reference Agencies..which you have already checked above:-D

 

The autolink above refers you to the Consumer Rights Act..not applicable to your thread:wink:

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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