help 8k in debt ....unsure of next move

[jaystar85]

It cant hurt though & will put a shot across the bows so to speak:D, your still entitled to ask for proof of any debt.

It might not solve anything but it will give you a clearer picture of whats what & also show them you are informing your self with legal knowledge & to be treated with respect. In my circumstances i never heard from them again.

 

ok ill get a template letter off an send it fingers crossed!!

[harrassed senior]

Worth a try with the Water Account.

 

With regard to the housing are they adding interest do you know, and I assume you are paying Wesclots?

[jaystar85]

Worth a try with the Water Account.

 

With regard to the housing are they adding interest do you know, and I assume you are paying Wesclots?

 

no intrest is being added and i was paying them up until about a month ago

[jaystar85]

right all letters ready to post......

[jaystar85]

*harrased senior*

can i put anything else in the letters regarding the constant phonecalls? or should i leave as is??

[harrassed senior]

Re: Harassment by telephone

 

ACCOUNT NUMBER: XXXX

Dear Sirs

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

Yours faithfully,

[NAME HERE]

 

Section 40 of the Administration of Justice Act

“S40 Punishment for unlawful harassment of debtors.

A person commits an offence if, with the object of coercing another person to pay money claimed from the other as a debt due under a contract he- harasses the other with demands for payment which, in respect of their frequency, or the manner or occasion of making any such demand, or of any threat or publicity by which any demand is accompanied, are calculated to subject him or members of his family or household to alarm, distress or humiliation; falsely represents, in relation to the money claimed, that criminal proceedings lie for failure to pay it; falsely represents himself to be authorised in some official capacity to claim or enforce payment; or utters a document falsely represented by him to have some official character, or purporting to have some official character which he know it has not.

A person may be guilty of an offence by virtue of sub-section (1) (a) above if he concerts with others in the taking of such actions as is described in that paragraph, notwithstanding that his own course of conduct does not by itself amount to harassment.”

[loopylil]

Hi Jaystar85,Does your water company have a Trust fund like our local one. Its worth finding out as they may be able to help.You need to talk with CAB who normally have the forms to fill. I have had help in the past and i know of other people too. Just a thought, worth asking.