Letter from a debt collector to chasing debts!

[lixiangmier]

hi, i am a new one here. hope someone may help with some advice.

 

today i got a letter from some debt collector chasing over 1000p. however they didn't show what it is.

 

do i need to write back to require the original debtor's statement or contract? will cause any further problem since they said i needed to contact and pay immediately, otherwise it will be brought to the court....

 

if i can require the statement, is there any format i can use? thanks!

 

13/08/09: I wrote letter for any proof as suggested by some kind person here. i got replied now and ask for £1 for the statement back to 2006 and call them for method of settlement. Shall I pay this or just replied to refuse payment and request the statement?

 

any suggestion? Thanks.

Edited August 13, 2009 by lixiangmier
RENEWAL! 13/08/09

[maroondevo52]

Hello and Welcome,

 

What company is it ?

 

If you do not recognise the debt, send them this.............

 

 

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 CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, 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. AND 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 Trading Standards and also inform the Office Of Fair Trading of your actions.

 

I/we look forward to your reply.

 

Send it recorded and don't sign it.

 

 

Regards.

 

Scott.

[lixiangmier]

thanks for your reply. it is quite useful.

 

i am trying to think what it would be, but not so sure. the debt collector is First revenue assurance on behalf of Arrow Global LLC. i don't recognize this company at all. so i guess the original creditor sold the debts.

 

so, i can send the letter you posted above to require an evidence, right? so if they have evidence, and i recognize afterwards, it is still ok to settle the debt or whatever other action if not recongnize?

 

do i have any time limitation to sort this out?

thanks.

[Pinky69]

This is only the first stage. If they have any proof there is a debt, then you have to look at what kind of debt it is, how old it is and whether or not there is an enforceable agreement. Wait to see what they send back and take it from there. Also, Golden Rule - never speak to them on the phone - they will only bullly and harrass you.

[dx100uk]

sounds like a phishing letter to me

 

i'd ignore it

 

remember that dca's have NO LEGAL POWERS

 

all they can do is send threat-o-grams

 

if, maybe, might, could, possible, look at

 

if see any of those words then they're just phishing frrom a list they have brought

 

if you answer it you'll just alert them to a live bait mug to con and you'll get even more letters

 

dx

[lixiangmier]

Hi i got replied to my request of proof of debts, and was told to pay £1 for statement and call for discussion of settlement method.

 

shall i pay or write back to refuse to pay but still request proof of debts?

 

thanks.

[cerberusalert]

Send them this recorded delivery; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter include a £1 postal order & do not sign the request.

[babybear39]

The statement of account is FOC, cheeky beggers

[lixiangmier]

is it reasonable to request me to pay for the proof?

[cerberusalert]

You'll save money in the long run sending the CCA request otherwise you could end up in a game of postal ping-pong racking up the charges on postage.

[lixiangmier]

thanks. i will send it tomo then. if £1 can save time..cheers

[lixiangmier]

i had sent £1 and letter requiring a statement from the origin debter. but almost a month passed, there is not any reply.

 

then what will happen next?

[cerberusalert]

You don't have to do anything until they respond.