Not often I laugh at Debt Letters

[chuffter]

Hi All,

 

Theirs took the biscuit, they might as well have wirtten:

 

"Hi,

 

We're tryng to get your money for no reason!

 

Bye!"

 

They are chasing payment on an account that I cannot recall from the last 6 years so its either non existent or statue barred.

 

The letter is the same as others I've read so already done the "Do One" letter asking for proof of the original credit agreement with a £1.00. Whenever I write these letter I find it helpful listening to The Pretender by the Foo Fighters, great for writing angry letters!

 

Will post with what laughable crap they send back.

[rc14]

Hi All,

 

Theirs took the biscuit, they might as well have wirtten:

 

"Hi,

 

We're tryng to get your money for no reason!

 

Bye!"

 

They are chasing payment on an account that I cannot recall from the last 6 years so its either non existent or statue barred.

 

The letter is the same as others I've read so already done the "Do One" letter asking for proof of the original credit agreement with a £1.00. Whenever I write these letter I find it helpful listening to The Pretender by the Foo Fighters, great for writing angry letters!

 

Will post with what laughable crap they send back.

Yep with you on that one. Sent me mysterious letters relating to a loan from 1988 which was fully repaid and nothing was owed.

Might I make a prediction. You will get a letter saying please find enclosed a copy of the Notice of Assignment issued under the law of property act 1925 section 136. Don't look too hard its a phantom enclosure. When you go back and ask for it again you will get a copy of the letter which they claim to have sent you previously. You won't remember having received it before. Watch the inks still wet. Bunch of clowns. Good luck

[sillygirl1]

Report any letters sent without enclosures to the OFT, they are taking an interest in this type of thing now, especially must have a huge file on this bunch of chancers.

 

Like you I sometimes smile when I see the letters which once really worried me - especially as I KNOW I havent had any credit for some considerable time - so anything which mentions my previous address is well and truly statute barred.

[chuffter]

Thanks Both,

 

Had a letter today with my CCA, no less from September 2007!

 

However they say in their letter that I made a payment in Feb 2011, which I certainly didn't! I've checked my bank statement and its not on there.

 

Am I right in saying they have to prove I made a payment? if so what information are the obliged to provide to this end? They won't but I want to be prepared for any "sorry due to data protection" nonsense.

 

Thanks,

Steve

[renegadeimp]

Yep. Sadly its a normal trick to make you think the debt isnt sb. When challenged theyll say its an admin error or similar.

[chuffter]

Thought so, its quite stupid of them to put that in a letter with a CCA which states the amount owed which is exactly the same when it was taken out!

[chuffter]

Here's something a bit strange, just made sure my letter was delivered, the signature is my initials and surname??

 

Coincidence?

[renegadeimp]

So theyre signing for it using YOUR name?

[chuffter]

The signature looks like it yeah, printed name states MMF

[chuffter]

well after signing for my name for their own letter, they have gone quiet, should I leave it or send another letter asking them to reply to say that the matter is closed?

[renegadeimp]

Depends if you want to be harassed more or not. Chances are theyre attempting to pass the debt to someone else.

[BRIGADIER2JCS]

Leave it while they are quiet.

[chuffter]

well they took their time with their next letter of no significance.

 

They have sent a letter with a statement of account showing a payment in 2011, which I know I didn't make and can prove I did not make as I only had a bank account at the time and nothing else.

 

So have sent a letter back asking for un-disputable proof of payment not some knocked up excel spreadsheet pretending to be an official document.

 

I'm right in saying they need to provide this by law aren't I?

[renegadeimp]

You want full proof of the payment. If its a postal order, you want reference numbers. If its a bank account, you want the bank details. If it was a pay in via branch, you want the branch ID and referring employee ID etc etc.

 

If they dont provide it, then they are crossing the line and it can be seen as obtaining money by deception. However, before it gets there, they usually claim it was an admin error. Sadly this happens thousands of times, and people will pay it because they dont know how to combat it.

[chuffter]

Thats what I thought.

 

Ha cool didn't see you are in Chester, live in Deeside just down the road

[renegadeimp]

I used to live in chester. I now live just past q'ferry