Letter from iQor

[bifidus digestivum]

Had a letter this morning from a company called iQor demanding £1092. I have no idea what this relates to, the only clue in the letter is that it is do to do with a company called Gothia.

 

I propose to send a CCA request to iQor along the following lines.

 

 

Dear Sir

 

Reference Number XXXXXXXX

 

With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement.

 

I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of the credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

 

I understand a copy of my credit agreement should be supplied within 12 working days.

 

I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

I look forward to hearing from you.

 

Yours faithfully

 

M A N Other

 

Is this the correct first step? Any advice gratefully revived.

[silverfox1961]

Hi

As you have no idea what this is about, I would be sending the 'prove it' letter first.

 

Gothia are another debt collection agency

[bifidus digestivum]

Thanks for the quick reply, I thought that was what the CCA letter was for? Is there a template for a 'prove it' letter?

[silverfox1961]

http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

[bifidus digestivum]

That's great, I will wing that off to them a see what their reply is. Once again thank you for the prompt reply.

[bifidus digestivum]

What form should this proof be in?

[silverfox1961]

they should at least let you know who the debt is to

[PGH7447]

and what it relates to, it like me sending you a letter with some fancy title saying pay me £2000 or else

[bifidus digestivum]

I was just wondering if the proof had to be in some formal notice. Having read these forums I suspect they will just send me back a letter saying I owe XX Company XX pounds. I will wait to see their reply and post back then.

[PGH7447]

if they do and you dont recognise any info, write back and say not good enough