A true story based on facts regarding Barclaycard, Lowell, Hamptons and Red.

[spamheed]

Have any charges ever been brought against your former partner?

[spamheed]

I think that in order to prove that this is not your debt, you need the police to act on the fraud, if there is proof that the police are looking into this, then the DCA should be informed and a simple phone call between the dca and the police should be enough to get them to wind their necks in.

 

If charges are brought by the police against your former partner, then that should be the end of the matter. the legal system far outweighs any powers a mere dca or creditor may think they have.

 

If the police say that your former partner was responsible for this debt and the courts concur with this, then you have absolute proof that the debt is not yours and as such there is no action any dca can take

[spamheed]

I got divorced and found all sorts of stuff coming to my house, the police got involved and although they agreed the debt wasn't mine, they couldn't pin down the ex wife who was responsible.

 

The polices involvement however was enough to put off a number of the DCAs chasing me, but not all.

 

so be warned, whilst you may have right on your side, it doesn't mean the lowlifes will leave you in peace, or play the game fairly.

 

If you can keep in constant communications with the police and periodically send a letter to the DCA letting them know of any updates or changes, it will at least show you as being forthcoming should the worst case scenario appear and this all ends up in court.

[spamheed]

It would be a good idea to record your calls and tell them, if they refuse to continue with the call, it just shows they've got something to hide.

 

I doubt very much if they actually record outgoing calls, as more often than not, it's them who break the law, providing a source of proof would be self destructive. I think they would only record certain incoming calls, where the caller has to accept their terms.

 

I would, wherever possible keep communications in writing, it's harder for them to deny anything after they've put it in writing. It would certainly be advisable to inform them about the fraud case and the police involvement, and again, put it in writing (unsigned) and send it recorded, that way they can't deny they knew about it.

[spamheed]

as an introduction, I don't feel it could do you any harm.

 

I would possibly consider rewording the section "I obtained her (“Linda”) assurance that the matter will only be dealt with by yourself. Both Linda and I recorded the conversation so I do expect you to deal with this matter personally as the material contained herein includes information of a sensitive nature that I do not wish disseminated to all and sundry."

To something like.

"I received an assurance from your agent "Linda" that this matter would be dealt with solely by yourself. I have of course recorded this conversation and can refer back to the contents if necessary for confirmation. I would also appreciate a high level of discretion with regards to my personal information and that of the persons referred to in the documentation furnished to yourselves.

Cheers

Spamheed