DCA asking me to pay Salary Overpayment which I paid 3 years ago

[Aquaman123]

Just got a letter from 'Sinclair Goldberg Price Limited' saying:

 

 

"FINAL DEMAND

 

WE NOW OFFER YOU A FINAL OPPORTUNITY TO MAKE PAYMENT OF £2306.00 OVERDUE TO OUR CLIENT ****** FOR YOUR SALARY OVERPAYMENT

 

THIS MUST BE SENT DIRECTLY WITHIN 7 DAYS

 

FAILURE TO DO SO WILL RESULT IN LEGAL ACTION other small print"

 

First of all this overpayment occured in 2008, and they overpayed me 1.9k, not £2.3k

 

Secondly i already gave them the money back in 2009, I have photocopies of the cheque I sent and the money came out of my ISA account.

 

Thirdly I dont have 2.3k to pay back anyway

 

What do I do?

 

I'm not even going to respond to the DCA, I might contact my old employer, what should I do?

[BRIGADIER2JCS]

Hi welcome to CAG,

I think you have all the answers to hand

you have proof that the overpayment was

repaid, so copy the the evidence and send

it with the following letter:

 

Dear Sir or Madam

Referencexxxxxxx

I write in regard to a debt to xxxxx that you allege is owed

by me, please take note I do not acknowledge any debt to

you or any company you claim to represent.

 

This overpayment was repaid on xxxxxx 2009 in the sum of £1900.OO

I have enclosed a copy of my cheque and can supply evidence of the

cheque being cashed therefore I am stating that this matter is closed

and no further correspondence will be entered in to.

send recorded delivery.

[Bazooka Boo]

Ah bless, they have been handed a lemon to chase....

[Aquaman123]

Hi welcome to CAG,

I think you have all the answers to hand

you have proof that the overpayment was

repaid, so copy the the evidence and send

it with the following letter:

 

Dear Sir or Madam

Referencexxxxxxx

I write in regard to a debt to xxxxx that you allege is owed

by me, please take note I do not acknowledge any debt to

you or any company you claim to represent.

 

This overpayment was repaid on xxxxxx 2009 in the sum of £1900.OO

I have enclosed a copy of my cheque and can supply evidence of the

cheque being cashed therefore I am stating that this matter is closed

and no further correspondence will be entered in to.

send recorded delivery.

The thing is im starting to doubt whether they received it. It wasnt a normal cheque I dont think. I cant really remember - I took it out my ISA and then sent them the cheque but I think the money came out the moment I got the cheque written in the bank. I never got confirmation that they had got my letter+cheque even though I asked for it (I thought at the time why should I bother as I know they will just come up with some crap like this at some point)

 

I dont know, I was only 18 at the time. Either way it makes me want to scream

[BRIGADIER2JCS]

Has this been reported on you credit files?

Your bank should be able to verify the amount

being paid.

[Aquaman123]

I don't think so. I was overpaid in Sept 2008, I got 3 letters, 3 days after the 3rd one I sent the cheque which I got from my ISA. I asked for confirmation but never received it. I heard nothing for 3 years until this. I took photocopies of all the letters I recieved and the letter and cheque that I sent to them.

[BRIGADIER2JCS]

It's a relatively short time ago your bank should be able to verify the payment.

[Aquaman123]

I have got the cheque and been to the bank, it was cashed on 29th July 2009 (and I dont see how it could have got into the wrong hands and been cashed by someone else). The DCA has written to me again saying I will go to court. Who do I contact now? The DCA or the company that overpaid me?

 

As the overpayment occured 4 years ago the numbers on the original letters dont work anymore and I doubt the same people still work there. Should I send a copy of the cheque to the DCA? I have a feeling they will just ignore it and take me to court anyway and waste more of my time and money than it already has.

[unclebulgaria67]

Cashed ? Someone walked in and got cash. Or is was paid into an account. If it was paid into an account, the bank will have details of which account the money was paid into.

 

Many years ago, my brother had a cheque for something stolen whilst it was in the post. Somehow the person who stole the cheque managed to set up a bank account and withdraw the money. I don't know whether they traced the thief, but I do remember that my brother was given the money back, by the bank that cashed the cheque. Something to do with insufficient checks being made when the account was set up and the cheque cashed.

 

Make enquiries about what happened to the money and let the DCA know in writing that you are currently investigating the matter with the bank concerned.

[Aquaman123]

Yes it was paid into an account

[unclebulgaria67]

Yes it was paid into an account

 

Using the info on the back of the processed cheque, the bank will know which account the money was paid into.

[Aquaman123]

Yes I have the account number and sort code. It was with the same bank that I was supposed to pay into if I paid by bank transfer and in the same city, although I doubt the company still has this account open.

[unclebulgaria67]

Yes I have the account number and sort code. It was with the same bank that I was supposed to pay into if I paid by bank transfer and in the same city, although I doubt the company still has this account open.

 

Make a complaint to the bank concerned, with a copy of the cheque. If the money was not correctly processed to the correct account, then the bank will have to refund. You will then have the money to pay the company back for the salary overpayment.

[BRIGADIER2JCS]

Write to the debt collector and the employer with the following

 

To The DCA send FAO the Compliance Manager

to the employer send to the Company Secretary.

 

 

Reregaf.xxxxxxxxxx

 

Dear Sir or Madam,

 

I refer to your recent correspondence regarding

the alleged overpayment of salary that you claim

is owed by me.

I do not acknowledge any debt to you or the company

you claim to represent.

 

Further to our recent correspondence I can confirm that

the overpayment has been repaid by cheque on xxxxxxx

and was paid into account number xxxxxx and the funds

cleared my account on xxxxxxxxxxx.

 

I have in my possession the original cashed cheque therefore

I consider the matter closed, and any further contact from you

or any third party will be construed as harassment and I would

seek financial redress for such through the court.

 

You do not have to send them photocopies to them but you

can if you wish copy both sides if you do.