asset collections,mcdonald rankin,capquest

[mwal60]

hi all,second time posting,hope this is not to long winded.went away on 9/9 received 2 letters postmarked 3/9 after i had gone away.1 from asset collections for £1581.51 with just an account ref and no client name and another from mcdonald rankin for the same amount and the client being capquest,after they say consultation with asset collection.it does not say who the origanal creditor is.also my partner and i went into an iva 4 years ago and remortgaged our property to pay off mortgage and secured debts in full and unsecured at ?pence in the pound.how do i find out where the debt is from and do i have to provide them with any proof of my iva.i read the forums often and will not ring them.also asset have said there above named party have granted them permission to negoiate a settlment @60% of the balance but still dont say who the client is.any help much appreciated.ps sorry its a bit long winded

[debt4get]

Name/Address:

 

Date:

 

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.

 

Yours faithfully

 

send them this and see what reply is

[mwal60]

thanks debt4get,will post that today and await response