RLP replied to my One Liner of No Debt owed - help

[ScarletPimpernel]

Hi 2Grumpy

I did send the single line denial of liability some time ago

 

Splendid. If you do hear from Scotcall you will be able to get rid of them very easily.

 

However, as usual RLP's letter is full of ifs and mays.

[pawsforthought]

Well hello folks I haven,t been on here for a while.

 

After a long, long letter from RLP accusing me of using certain sites and making posts on them and threatening me with possible court action

 

I have just received a letter telling me to pay the full amount within 21 days or the case will be passed onto a debt recovery.

 

What letter do I need to send to the debt agency once I have received a letter from them.

 

Many thanks Paws.

[dx100uk]

pers I wouldn't bother

 

no debt recovery agent has any real legal powers

 

they just send even sillier letters

threatening to kill your nans budgie.

 

ignore them.

 

dx

[renegadeimp]

Youre almost at the end of their harassment campaign. They failed to extort money from you so are trying to get a DCA into trouble. If a DCA comes calling, send the deniability letter and tell them there is no debt, and if they continue to send you letters, you will be informing the OFT.

[pawsforthought]

Where can I find a copy of the deniability letter to send to the DCA when they start there harassment campaign. Thanx paws

[ScarletPimpernel]

Where can I find a copy of the deniability letter to send to the DCA when they start there harassment campaign. Thanx paws

 

You have already sent the letter to RLP - see your post of 03 Jul 13. This means that if you are contacted by a DCA, the debt is already in dispute.

 

If you get a DCA letter, send something like this:

I refer to your letter dated (date).

 

Take notice that your client is aware that I deny any liability to them or any company they claim to represent. Furthermore, a speculative invoice, which is the basis of your client's claim, does not constitute a substantive debt.

 

I can only conclude that your involvement amounts to an attempt to apply psychological pressure on me to pay money I do not owe, which is a clear breach of your obligations under the Office of Fair Trading's Guidance on Debt Collection.

 

No further correspondence will be entered into.

[pawsforthought]

Thanx Scarlet for the reply regarding the letter I will reply once the DCA get in touch. I will let you know the outcome. Paws

[pawsforthought]

Well just to let you guys know I have not received anymore letters since September 2013 from RLP and I have had nothing from any debt collection agencies. Many thanks for all your help and advice please keep it up.

[Sidewinder]

Good to know. Thanks for the update which should give a useful timeline to other people in a similar position.

[pawsforthought]

Hello just to let you know I have now received a letter from a collection agency in Scotland I will post the details of the letter later. What letter do I need to send to this agency. The money trying to be collected is not called a debt but a liability.

Thanks

[dx100uk]

there no such thing as dca's in Scotland ...so........ignore

[renegadeimp]

Its scotcall DX. Jackies DCA of choice.

[Sidewinder]

Snotcall are the steam on the manure pile of the bottom feeding DCAs. They have no powers whatsoever and are merely a business offering threatograms for hire. Most of their staff haven't progressed beyond using crayons but the real highflyers are allowed to use paper and scary red ink. They may even be allowed to play with the text message machine if they are very good.

 

Easily dealt with. Either ignore them or write and state that there is no liability to them or any company that they claim to represent.

[pawsforthought]

Hi this is a copy of the letter that I got from bpo solutions

 

 

Re shop owner

Outstanding liability £xxx.xx

BPO reference number xxxxxxxxxx

 

 

We are instructed to recover the outstanding liability against you, which we understand is not disputed

 

 

Could you please contact us within 7 days of receipt of this letter, failing which you are at risk of our client issuing proceedings against you, which will incur further liability by way of the additional court fees, interest and legal costs.

 

 

A county court judgement, which remains unsatisfied after 30 days, may also effect your credit rating.

 

 

We therefore require your immediate proposals to settle this matter. If you are now in a position to settle the claim, you may pay £xxx.xx to BPO collections limited.

 

 

Please see below the various repayment methods we offer

 

 

Payment may be made by

 

 

Choice 1

Choice 2

Choice 3

Choice 4

 

 

We await hearing from you within the next 7 days to avoid any further action

 

 

Yours Sincerely

 

 

Graham surname not readable

 

 

Managing Director

 

 

Can anyone point me in the right direction for a template letter or the correct wording to send to this company. There is no mention of RLP anywhere on the letter it is being dealt with on behalf of the shop owners

 

 

Many Thanks Paws

[ericsbrother]

Just write back and tell them there is no liability, that their understanding is misplaced and they can get lost as you deny any debt whatsoever.

[pawsforthought]

Is there a template letter for this ?

[ericsbrother]

Just write exactly the 1 line I gave to you.

[ScarletPimpernel]

Is there a template letter for this ?

 

There isn't a template.

 

Just send something simple like this:

 

Dear Sirs

 

I refer to your letter dated xxxxx. Any liability to your client or any company they claim to represent is denied.

 

No further correspondence will be entered into.

 

Yours etc.

[pawsforthought]

Hi the collection agency is not collecting on behalf of RLP but for the shop owner so the wording above would be incorrect

[honeybee13]

Hi the collection agency is not collecting on behalf of RLP but for the shop owner so the wording above would be incorrect

 

Hello again.

 

I've just noticed that this seems to be someone else's thread, I thought you had your own, paws. Have you had letters from RLP in the past please?

 

HB

[pawsforthought]

Hi HB

Yes I have had letters from RLP in the past and we have pm each other I thought it was all over as I had nothing from RLP for a long time now I have had this letter from bpo collections as anyone else had anything from bpo and if so what is there usual course of action.

Thanks

Edited March 11, 2014 by pawsforthought
Needed to add / ask more information

[renegadeimp]

Are you sure the shop is getting the DCA involved, as that would be very VERY unusual. Its more likely RLP has gotten them involved.

[pawsforthought]

Hi

The letter clearly states at the top

 

 

RE the name of the shop

 

 

There is no mention of RLP anywhere in the letter so I presume they are collecting for the shop unless RE is only for reference purposes to collect the money

[ims21]

They are not collecting for the shop.

 

RLP issued the "invoice" and it is that invoice which BPO are trying to collect.

 

They have used the wording on the letter (i.e. RE: The Shop) to scare you into thinking it is the retailer having a pop. It isn't.

 

Send the letter as advised previously.

[pawsforthought]

Thank you I will let you know the outcome of any letters