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.
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Hi can anyone give me some advice. Over the last month now i have been receiving letters from a debt collection agency about an amount that i am supposed to have owed empire stores from 2000-2002. I received my first letter from the debt collection in March and have now just received a letter stating it is a notice of legal proceddings. I have been in touch with empire who e-mailed me on the 5th april and advised they were sending me out copy statements of which i have only had 9-33. Today i got the letter dated the 13th April for the amount to be paid in full by the 19th April to avoid court proceedings. I have not had anything from the catalogue at all and empire are now not returning my e-mails when i have asked for a manager to deal and also details of how the payments on the account were made.PLEASE HELP I HAVE 3 DAYS TO MAKE PAYMENT BEFORE THE COURT TAKES OVER AND I DONT OWE THEM ANYTHING........ troubled victim
Do you have any idea who Empire Stores Catalogue are?
If you are certain that you owe them nothing, then you really have nothing to worry about, its up to them (as in the DCA) to prove you have an unpaid debt, rather than you to prove you havn't.
Without knowing the full story and actual correspondence, it seems that they are just trying to frighten you into paying. In my opinion, their behaviour thus far would be looked at unfavourably by a judge should this go to court. I am a little confused about the statement issue though, if you have never had anything from ESC, then what do these statements refer to?
I think you need to post more details in the 'debt collection agecy' forum, outlining the full story and full details of all correspondence.
When you say you have "been in touch" with Empire - can you explain how? By post?
I suggest you SAR and CCA them right now send it recorded delivery - and tell them in no uncertain terms that you do not acknowledge this debt and as of today the account is "in dispute", reminding them that they can take no further action under the Consumer Credit Act whilst account is in dispute.
And are you saying you have never had an account with Empire?
Do NOT get involved in phone calls, everything from now on must be in writing.
Keep us posted
Hi All, thanks for the advice. i have spoken to the DCA today and advsd them i sent them a recorded letter this morning i printed off this website asking for them to prove to me i have had this account. I have checked the statements and i have never ordered any of the goods they have supposedly sent me. the man i spoke to today told me they will call me back once they have received the letter which they should receive tomorroe. I will be sure to tell them that since the account is in dispute that they cannot take this any further. Empire Stores have e-mailed me back today stating they no longer have the debt and to contact Robinson Way if i am disputing this. I will keep you all updated tomorrow when they have called me.
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troubledvictim v EMPIRE STORES CATALOGUE
agency about an amount that i am supposed to have owed empire stores from 2000-2002. I received my first letter from the debt collection in March and have now just received a letter stating it is a notice of legal proceddings. I have been in touch with empire who e-mailed me on the 5th april and advised they were sending me out copy statements of which i have only had 9-33. Today i got the letter dated the 13th April for the amount to be paid in full by the 19th April to avoid court proceedings. I have not had anything from the catalogue at all and empire are now not returning my e-mails when i have asked for a manager to deal and also details of how the payments on the account were made.PLEASE HELP I HAVE 3 DAYS TO MAKE PAYMENT BEFORE THE COURT TAKES OVER AND I DONT OWE THEM ANYTHING........ troubled victim
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