Asking a DCA for clarification

[daverules]

Hello

helping another friend with their problem.

 

They have received letters from Robinson Way stating that they have had no

response to their letters asking for payment relating to two debts that they had

purchased and if she does not respond in 14 days they will take legal action.

 

Now this is the first letter they have received regarding this and all tho she does/did

have some debts some 5/6 years ago these letters do not state which debts these are.

 

I will refrain from ringing them to ask relevant questions but was looking to write

to them asking for the following:

 

Previous Owner, Account Number, Total Amount, Date of Default, Last Payment Date,

Amount of Last Payment, Who Was the Payment made Too, How Was This Payment Made and Where was this Payment Made.

 

Do these questions sound ok?, obviously I will format the letter with correctly but just

spaced as such to save over posting.

 

Regards

[dx100uk]

why?

 

 

read the letters properly

it does NOT say WILL take legal action in 14 days

 

 

it say something else.

 

 

dx

[daverules]

Yes dx I am aware of the wording but

I would like to get the answers as she wants to put it to rest especially after I helped check her CRA and nothing shows so may be statued barred.

 

Regards

[mikeymack2002]

If this is the 1st letter it's scaremongering. Wait until they provide proof the debt exists.

 

It's not your job to provide proof you owe the alleged debt. Wait until other begging letters arrive.

 

No point in helping the DCA do their job is there? Wait is what I suggest...

[dx100uk]

if the debts are statute barred

even better

 

pers i'd not send anything

it simply invites letter tennis

 

if the debts are confirmed SB'd

then let them issue claims

the SB defence will kill the claims dead.

and cost them money.

 

in E&W even if a debt is statute barred

as long as court is not threatened once confirmed SB

they are allowed to ask for payment

a debtor is equally entitled to ask them to go away.

 

dx

[daverules]

Thank you both, dx and mikeymac.

 

Will await anything further.

 

Regards

[2Grumpy]

As a last resort engaging in letter tennis can delay action & might give something that you can complain about,

then escalate to the FoS (after just less than 6 months).

 

 

By the time the FoS decide anything, the 6 year mark might have passed

- they aren't supposed to take any action after you have made a complaint that you can take to the FoS,

while it is being considered or while you are considering their decision!

[daverules]

Thank you 2Grumpy

 

Regards

[dx100uk]

urm..complaining to anyone does not stop legal action.

theres nothing that states any supposed creditor or debt buyer

HAS to delay anything.

 

 

SB is your trump card

don't ever play it too early.

 

 

dx