not my debt

[kammyTT]

i recieved a letter from buchanan clark and wells informing me of an unpaid debt that isnt mine.

 

i have called them and also the police and have since sent a letter stating that the debt isnot mine,

 

anymore info would be great, cheers

[havinastella]

Hi Kammy,

 

try this

 

Dear Sir/Madam

 

Account no:

 

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.

 

**Edit to suit**

 

Remember, don’t sign the letter.

 

 

 

Welcome to CAG.

 

 

JOgs

[kammyTT]

i will see what there response is to my initial letter. one other thing is that i have checked epxerian and i cant see any record of this on my record? is this normal?

[BankFodder]

Check the other CRAs as well