Quick Question

cd02

Hi

I'm 2 years 6 months into my br and making my payments. Friday I recieved a letter from a company on behalf of orange saying i owe them money. The date the debt defaulted according to them was 3 months after i went bankrupt but i've checked my br application and i included my orange debt in it.

I tried to speak to my or but they've assigned me a new one and she's away for a couple of days but the thing that is concerning me is that the account number is different and then amount seems to be less.

I know no one can give me answers on this as its gotta be looked into but should i be worried that there has been a mistake somewhere and I will have to pay it ?

LOUISE22_2

Have you only ever had one contract with orange? if so, it was included in your BK like you say? unless did you run up a debt with them after the BK date?

cd02

Yup only the one contract and it was dc'd before I went br..

Just worried about the account number and balance being different..

tigerfeet2006

It's possible they have made a balls up and are chasing you for someone elses debt, maybe similar name etc.

It is up to the DCA to prove you owe the debt, so might be worth firing off a 'prove it' letter while you are waiting for your OR.

Will try and find a link for you.

tigerfeet2006

National Debtline "prove it" letter

Quote:

1 High Street,
Newtown,
Kent
R21 4RH
October 9, 2007

The Loan Company
Company House,
Church Street,
Newtown,
Kent,
R1 7HG

Dear Sir/Madam

Ref: xxxxxxxxxxx

You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves.

We would point out that we have no knowledge of any such debt being owed to The Loan Company.

We are familiar with the ‘Office of Fair Trading Debt Collection Guidance’ which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

We would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

We would ask that no further contact be made concerning the above accounts unless you can provide evidence as to our liability for the debt in question.

We await your written confirmation that this matter is now closed. Otherwise we will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

We look forward to your reply.

Yours faithfully





Mrs A N Other

cd02

thats super, thank you very much..

cd02

just an up-date if anyone is interested..

finally spoke to OR and advised me that this is covered in my br as i encluded my contract on the application and the default date is prob different as orange didn't up-date their records when the br when through.. also the account number is different as orange sold the debt on (don't see why it would change but hey ho) and then no one can answer why the amount is less then when i actually went br but once again hey ho..

LOUISE22_2

Thats good, glad you got it sorted!