Advantis for Cyclone Asset Management, on behalf of Home Free.

[jacko428]

Hi all,

 

I recently sent a statute barred letter to the above, I have received a reply from them today.

 

Further to your recent communication with this office, regarding your account with our client Cyclone Asset Management, on behalf of Home Free.

 

You have advised that you believe that this account is now statute barred, however as a letter was received by our client on 22/11/06, this account does not qualify to be statute barred.

 

My wife and I have no recollection of having made any contact with anybody regarding this account.

 

What does anybody suggest our next step should be? We have not made any payments on this account for over 6 years.

[maroondevo52]

Hi, jacko.

 

It's up to them to prove it, send them 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.

 

 

Regards.

 

Scott.

[jacko428]

Hi Scott,

 

Thanks for your reply, I will send a letter on Monday and see what happens.

 

Regards

 

Ian