Wescott And Phoenix

[gerrard14]

Got A Letter From Wescot Saying They Have Been Instructed To Collect An Outstanding Debt On Behalf Of Phoenix I Dont Know Who The Debt Is To As It Has Been Passed To Phoenix At Sometime And Now They Have Asked Wescott To Collect It Do I Send Cca To Wescott And See What Happens

[Curlyben]

Hold up.

If you have no idea what the debt is a simple Prove It Letter goes a long way, and it's free

 

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

[Freewilling]

A CCA and perharps a subject access request with the relevant fee

[Curlyben]

A CCA and perharps a subject access request with the relevant fee

 

Serious overkill until you know exactly what they are chasing.

Save you cash for now.

[gerrard14]

I Think Its For A Catalogue We Had But It Doesnt Say On The Letter

[Curlyben]

If they haven't ident'd the debt on the letter then lead with the Prove It.

To be honest I always ignore the first letter from a DCA as they are known to phish for information.

Once they send a second similar demand then I would respond.