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Help please, unknown debt?
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wanted to ask you where do i post a new tread and how? new to the site. have money probs too. please help0
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Nope!!
Haven't a clue what it's for.... it's not on my credit report, and as far as I'm concerned if it's not on there, it's not getting paid!!!
Thankfully they don't have my telephone number, funny thing is I only got my 1st letter from them after I requested my credit report.....!
I am not accepting or making calls for my alleged debt, but a friend of mine recently had problems with a DCA, he kept them on the phone ("wasting their phone bill") for ages....
DCA:Can I speak to Mr X please
IAN: I'll just get him (pause) Hello?
DCA: Hello, is this Ian X?
IAN: No, I'll just get him (pause) Hello?
DCA: Mr Ian X?
IAN: Ian? sorry, I'm Ivan, I'll get Ian for you (pause) Hello
DCA: Hello, Ian X?
IAN: Well I'm Ian, but not Mr X, I'm Mr Y
and so on...
I asked him if he changed his voice at all, he said no, it takes them a while to realise, and on one occasion they asked for his date of birth, to which he gave them a made up date, he did say he would usually end the call, but happy with the fact that he's wasted some of their money.
As a footnote I would say that this was a first contact with a DCA, so he was, in fact, being silly; and is probably now paying to a doorstep collector with extra charges laid on: Only start wasting their time if you have made primary contact, sent them letters as I have (with help from the good people of this site), and have told them that you do not intend to communicate by phone.
Remember Don't admit to any debt unless you are 100% sure that you owe it, make your communications as professional as possible, and stay calm, and keep fighting.
Its the day tommorrow, so if I don't get anything in the post, I'll have to start stage 2 of the battle.:think: :silenced:0 -
happy_to_be_me wrote: »wanted to ask you where do i post a new tread and how? new to the site. have money probs too. please help
Hi happy.
Click on 'FORUM' above, then go to the specific forum you need, in this case, 'DEBT-FREE WANNABEE', By scrolling down the page and clicking the title.
then click the 'NEW THREAD' Button,
choose a relevant title that will get some attention, (something I wasn't particularly good at!) and then write what you want to say, click 'PREVIEW POST' to check it, then either Edit it or click on 'SUBMIT REPLY' then wait for the replies.
let me know how you get on, and post a link to your thread on here if you like.:think: :silenced:0 -
Thanks George - appreciate you taking the time to find that out for me.
I'll do as you suggested.
I'll send them a letter also, to say unless they provide evidence that this debt is mine and I do in fact owe it to them I will be ignoring all correspondence from them. Surely, even if the agreement isn't regulated by CCA they still need to prove I owe it? :mad:
I really don't have a clue what it's for, as you say they're chancers!
Tigz x
Did send a query to CCCS via email but no response as yet.
I think you should send them a letter something like the following:
______________________
WITHOUT PREJUDICE
Dear Sir or Madam:
RE: [Account number]
I'm writing in regard to your communication of [Date] in which you asserted that I owe a debt of [£ ] to [Creditor] which you claim is not covered under the Credit Consumer Act 1974.
This letter is to inform you that I am disputing the validity of this debt, as you have consistently failed to substantiate that this debt is in fact mine.
Further, all collection efforts must cease until you verify the debt as being valid.
Please provide me with the following:- The name and address of the creditor.
- Proof of my responsibility to this debt in the form of a bill or accounting from [Creditor] showing how the exact amount of the debt was incurred and all payments made on the account.
If they have already been contacted regarding this matter, please notify them that I am disputing this debt. In the event that you cannot verify the debt, you should notify the credit reporting agencies of your findings.
Further communications should be in writing and limited to a notification of either: your failure to verify the debt and the closing of the matter; or consist of the records I have asked you in my letters send recorded of [date] and [date] to provide. You have 7 days to respond in this manner.
If other communication is received on this matter, I will have no choice than to report you to the Information Commissioner's office and Trading Standards.
Yours faithfully
______
Not quite as much teeth because we can't use a legal path. I don't know if any other posters have any suggestions? If not, this is my best shot.
Thanks to MSE, I am mortgage free!0 -
Well another letter from them today.....NOT acknowledging my previous letter but saying that as I'd not made contact they would be looking at other methods of recovery ie - thro the county court. What made me laugh was they say this - This matter will not go away simply because you choose to ignore it”
As if!!! So I've written this letter to them.... any suggestions welcome,
Further to your letter dated 6th July 2007.
I note that yet again you have failed to acknowledge my letters to yourselves requesting verification that this debt is indeed owed by me.
My last letter dated 2nd July 2007 requested that you provided me with the following:- The name and address of the creditor.
- Proof of my responsibility to this debt in the form of a bill or accounting from Dollar Financial showing how the exact amount of the debt was incurred and all payments made on the account.
Your letter quotes:
“This matter will not go away simply because you choose to ignore it”
I think you will find that my letters dated 4th June, 11th June, 18th June and 2nd July 2007 will in fact show I have NOT ignored the matter, but have been attempting to substantiate the said debt is mine.
As mentioned in my last letter should I receive communication other than as stated as above I would report you to the Information Commissioner’s Office and Trading Standards, as you have failed to provide me with the requested information, I will be taking this matter further.
The last letter I sent is the one AngelaDavis suggested.
"Nobody made a greater mistake than he who did nothing because he could only do a little." Edmund Burke
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Did you send your first letter by recorded delivery? If so, you can get proof of when it was received and by whom.I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
Did you send your first letter by recorded delivery? If so, you can get proof of when it was received and by whom.
The last letter I sent wasn't by recorded, no. I realise I should've sent it recorded but couldn't get to PO and wanted it sent - I'll send this one recorded, along with a copy of my previous letter?"Nobody made a greater mistake than he who did nothing because he could only do a little." Edmund Burke
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Yes that should be fine Tigz0
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Hi
I also am having a problem with these people, I had a separte post but this is the letter I got yesterday I thought you might be interested:-[FONT=Arial, sans-serif]
[/FONT][FONT=Arial, sans-serif]WITHOUT PREJUDICE[/FONT][FONT=Arial, sans-serif]Further to previous correspondence regarding the above, you are hereby given notice that bankruptcy proceedings are due to commence for recovery of the outstanding balance, together with costs and interest.[/FONT][FONT=Arial, sans-serif]We are no longer prepared to correspond with you regarding this matter as we will be advising our client (Crapquest) no later than 20/0/07 to issue a petition for your bankruptcy, with a view to seizure of assets/ property , at the discretion of the court appointed trustee.[/FONT][FONT=Arial, sans-serif]We also note that the above debt of xxxx is a principle sum, which will increase considerably should the interest which has been frozen for the last 35 months be applied.[/FONT][FONT=Arial, sans-serif]However, as a final opportunity to avoid legal proceedings, we are prepared to accept a lump sum payment of £695.36 (about half) which must be received at our offices no later than 20/07/07. This sum is accepted as full and final settlement against your liability and will also ensure that you are not pursued for the remainder of our clients claim, at any point in the future.[/FONT][FONT=Arial, sans-serif]As an added incentive, once this sum has been received and cleared, our client will instruct the credit reference agencies to mark your debt as satisfied. (this debt is not on my credit report) [/FONT][FONT=Arial, sans-serif]They then go on to tell me how to pay them.[/FONT][FONT=Arial, sans-serif]I am really getting annoyed now, I phoned the OFT last week and they have phoned trading standards. I am getting my paperwork ready for them today. I have sent the usual two letters recorded asking for copies of debt.[/FONT]
[FONT=Arial, sans-serif]No reply to them.
[/FONT][FONT=Arial, sans-serif]If anybody has any advice I would be grateful.[/FONT]
[FONT=Arial, sans-serif]Alpha.[/FONT]0 -
Well interesting. Two weeks ago I recieved a letter from the same company Ruthbridge claiming that I owed them just under £1800. Now, I have never heard of that company or the company they claim to be acting for. I have lived in this flat for just over six years and the only credit I have taken since moving here is a very small amount I am still paying and is in no way overdue at all.
The letter was a complete surprise, but as I had never heard of them I put it to the side. A few days later the letter claiming about bankrupcy arrived and then the other day I got a letter similiar to the above chap, now suddenly deciding to accept a value much smaller than the original claim, which I found extremely odd due to the fact that only a week ago they were threatening all sorts of stuff for the full amount. Also, they claim to have made 'many phone calls' but my number is ex directory.
Finally I decided to do a search and found this thread - there were others this looked to have the most info. I suppose its possible they have picked what would be an extremely old debt - I was trying to think when it could be because I did not even have a bank account when I moved here and had to open one - and so it certainly was not after 2001. I have asked experien for a copy of my credit file thing so we'll see what happens with that but I certainly won't be entering into correspondence with these people until I have that.
It seems to me, and I could be wrong, but it seems to me they are just sending out these things in the hope that it will scare some people into sending them money which they probably at some point did owe to someone and chances are a lot of people will be suckered into paying these people. I personally will not pay any money to anyone unless they can prove I owe it, especially when I have never heard of them.
Anyway, appologies for hijacking this thread a little but thanks for the things that are posted here which may come in useful.0
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