11 y/o upaid CCJ being chased

[KaptRoger]

Hi Guys,

 

I have received a few letters from Clarity which started with the usual we are trying to contact someone, which I ignored (why help them?) then came the "you owe us loads of money" letter, which I also ignored because I see why I should ring them or do anything initially. Then came the "we will send round the FieldCall people to discuss the fact that you owe us loads of money" letter.

 

I was not too purturbed because a) I had been chased almost a year ago for almost the exact same amount by Lowell, who finally admitted they were wrong and appologised for writing to me (I had written a very polite "prove it" letter), and b) I recently came across these forums which are a revelation.

 

I wrote a letter back basically saying, very nicely (I think) - prove it, and I don't want you sending anyone round to talk to me about it.

 

Today I received the attached letter (suitably redacted), to which I want to reply in this way:

 

Dear Clarity,

 

If you don't know who I am, then stop accusing me of owing you money.

 

Yours faithfully,

 

etc.

 

What do people think? I don't wish to fire flaming letters at them, because I feel that that sort of thing can later predudice things, if, for some reason it all turns sour.

 

I am not worrying particularly, but would like to ensure that my response is measured and reasonable.

 

Any advice?

Edited December 5, 2011 by KaptRoger
Grammar!

[Conniff]

Your image is a bit too small to read captn, can you do it again in PDF format.

 

You could, of course, write that you do not recognise them or the debt and until they send you something to show that there is an outstanding debt owed by you, you will enter into no further correspondence.

 

If they are still phishing for your name etc, then I wouldn't respond at all.

[dx100uk]

check your cra file is still clean

and does not show any outstanding debts you

do not know about

 

dx

[KaptRoger]

Thanks for the replies Guys.

 

Connif I have uploaded the JPG in a PDF (best I can do at the moment). Hope you can read it.

 

Basically they are saying that they want me to provide 10 years worth of addresses to prove who I am before they can give me any of the information I requested. My last letter contained:

 

 

"Therefore please can you provide evidence of any such debt that could amount to such a high amount that I have with you or your clients as I am certain that I do not owe anything."

 

Strikes me that they don't actually know who I am. Also as the amount is almost identical to the Lowells attempted claim last year I suspect that it is the same one. As Lowells appologised after I asked them to prove that I was the person they were after, I suspect that they sold it on, unless Lowells = Clarity = Hillsden (Clarity's "client").

 

 

Connif, I like the cut of your jib, it will make them either go away or force them to provide something....

 

I'll wait a day longer before replying, so that I can benefit further for your collective and individual wisdom.

 

Cheers!

Edited December 6, 2011 by KaptRoger
Security - removed attachment - will add it back in later.

[dx100uk]

two word reply!

 

i find it astounding that debt collectors want evidence

from the person they are chasing

as to whom they are

so THEY can pester them!!

 

go away stupid DCA's

 

you should not be chasing anyone you are not 100% SURE is the correct person.

 

dx

[alfwithhair]

Wouldn't waste a stamp on Clarity M8, just ignore them, they will just pass it back to who ever instructed them to collect.

[DonkeyB]

Send them a letter anyway, without a stamp.

[KaptRoger]

Well I haven't got around to replying to them yet, but today I received this attached letter.

Its such a fantastic offer I'm almost tempted.

Well not really.

 

Also, does anybody think that because they have only ever referred to me by initial and surname, that they really can't tally up who they are after with me?

Clarity3.pdf

Edited December 9, 2011 by KaptRoger

[dx100uk]

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

dx

[KaptRoger]

Thanks - done that.

[Conniff]

Basically they are saying that they want me to provide 10 years worth of addresses to prove who I am before they can give me any of the information I requested. My last letter contained:

 

Lol - These really are the jokes folks.

 

Please don't reply. To translate the bit I made bold into English = we haven't a clue who you are, but bought some debt under the name of smiff so we are going through the 15 million Smiffs in the country to see if any of them are daft enough to reply.

 

It's just like standing up in court and having to prove it was you that committed the murder.

[coledog]

Ignore them - idiots

[DonkeyB]

If you respond with even an offer of 10p, they will take that as confirmation the debt is yours, and then they’ll refuse your offer and get shirty.

 

You have been warned!

 

Ignore.

[coledog]

If you respond with even an offer of 10p, they will take that as confirmation the debt is yours, and then they’ll refuse your offer and get shirty.

 

You have been warned!

 

Ignore.

 

Repeat - ignore them

[KaptRoger]

Hi,

 

Small update. I have now been written to by Fieldcall which says that I must pay in full (!), or make a payment plan offer etc, etc, or they may come and visit.

 

Can anyone advise on some words? Also can anyone advise on what Fieldcall's actual abilities are?

 

They are still writing to Initial.Surname

 

Interesting.

[LostAtSea]

http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT

 

Edit to suit

[alfwithhair]

Please be aware that, as a 'doorstep collector' the Fieldcall agent will have very few powers in law.

 

You are not obliged to make an appointment and, should they call without prior agreement you are not obliged to let them into your house or even speak to them.

 

They should not infer that they have any powers, such as siezure of goods, attachment of earnings ect and you are under no obligation to discuss theaccount with them.

 

Equally they must leave immediately, when you ask them to:

[dx100uk]

they have as much power as the milkman!

 

dx

[KaptRoger]

Hi,

 

I'm writing the reply, and have noted that the "signature" on the Fieldcall letter, matches that of "Margaret Windsor" who wrote to me from Clarity. In fact her "signature" is on all the letters I have received from them. Odd?

 

Also, is it significant that they have never used name as First Name + Last Name, always Initial + Last Name.......?

[KaptRoger]

An update - received a letter from Clarity today dated a few days ago- not from Fieldcall, thanking me for my recent correspondence (which was sent to FieldCall) and asking me to ring them. Hmmm.....no. I've already said thank I will only deal with this matter in writing. Oh well will wait to see what they say next.

 

Is there a pattern to these types of letters? Can anyone predict what tactic will be used next?

[dx100uk]

typically the one about we know you are there we have

looked at your credit file

 

or the discount letter.

 

dx

[KaptRoger]

Hmmm.....surely if they were looking at my CR they would know my name.......

Thanks any way.

[KaptRoger]

Nothing for 40 days now.......have they got bored and drifted away?

[LostAtSea]

You'll probably find the account will do the rounds for a while. Its called "pass the lemon" . I usually store all the paperwork in the emergency toilet roll file

[KaptRoger]

 

Yes I've kept all the letters. Just so I can spot any discrepancies if they come back later.