dealing with debt

[kingarteta]

afternoon all!

 

could i canvass advice please?

 

a debt collection agency is trying to collect a debt from 2002 on behalf of equidebt.

i have never received any correspondence from equidebt.

the agency they are using are claiming equidebt bought this debt off abbey national in 2003.

i have a credit report which lists the debt as balance satisfied by abbey.

at no point have i admitted liability of this debt,citing this credit report as my reason why.

 

how best to go about this on anyone?

[Bookworm]

Moved to the debt forum.

 

Get them to prove they own the debt.

[Curlyben]

Throw this at them for openers, a nice simple Prove It letter:

 

Dear Sir/Madam

 

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

[kingarteta]

thanks both!

 

i'll see how that one works out