Unexpected Debt Letter

GreyPilgrim

Well the standard CCA letter as mentioned above by Mrs Tine is going into the post at lunchtime (soon as I can get a £1 postal order from the post office). Will keep you updated on what comes back, and thanks for all your replies guys.

GO

fermi

MrsTine wrote: »

Dear Sir/Madam,

RE: Account NO XXXXXXXX

Thank you for your letter dated xx/xx/2008 the contents of which are noted.

In your letter you make reference to requiring my signed authorisation /specimen signature** before you comply. I draw your attention to the fact that the Consumer Credit Act 1974 does not require that i supply you a copy of my signature before you comply with my S77/78** request.

Did you copy/paste the wrong letter?

This is an initial CCA request.

(Your home address)

Date:

To:

Dear Sir/Madam

Account No: _____________________________

With reference to the above agreement, I/we would be grateful if you would send me/us a copy of this credit agreement and a full breakdown of the account including any interest or charges applied.

I/we understand that under the Consumer Credit Act 1974 [sections 77-79], I am/we are entitled to receive a copy of any credit agreement and a statement of account on request.

I/we enclose a payment of £1 which represents the fee payable under the Consumer Credit Act 1974.

I/we understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days.

I/we understand that under the Consumer Credit Act 1974 creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account under these sections of the Act.

I/we look forward to hearing from you.

Yours faithfully


Print your name, don't sign.

GreyPilgrim

No, it's the initial CCA letter (the second one you have quoted) that I meant

Sorry, I found a thread where Mrs Tine had posted that one, and that's what I was referring to. (i know she pasted in the other one later)

Sorry for the confusion there.

fermi

lol... Not awake yet.

As long as you have the one you want, then all's well.

GreyPilgrim

Ok. Letter posted, 1st class recorded delivery, receipts for posting and postal order filed away. Lets see what happens next...

MrsTinks

Fermi don't scare me so early in the day LOL my poor old nerves!

rog2

Hi GP - Long time since we saw you on DFW :rolleyes: - welcome home :beer: .

Not a lot to add to the advice already given. If you do not wish to go through the cca route, initially, then you can always send the 'prove it' letter that blue is the colour has posted.

To me it looks as though this is a standard 'phishing' excercise by Advantis - maybe they are chasing a very old debt, or purely attempting to 'bounty hunt' against a default that has not been removed from your crf.

In any case the onus would legally be upon Advantis to prove any debt that they are 'chasing' - so:

• Do not phone them.
• Do not provide them with your signature
• Do not worry.

Good luck mate.

GreyPilgrim

I got a response back from them this morning saying they could not disclose any details with me due to DPA, but could I call them to confirm the dates I had lived at 9 *** Road, Manchester M14 ***.

I've never lived there - it's at the opposite end of manchester.

So despite the advice, I called them - sorry, this had been on my mind all week.

Seems that because the person shares the same initial as me, and the same surname, and lives in the same ****ing city they assumed it could be me. All that stress and worry on the thinnest of 'clues'.

Livid now. Been stressing myself stupid. Hate to think what could have happened if I'd been some little old lady.

Thanks guys, for all the help and 'dont worry' reassurances.

Ames

Typical DCA tactics, write to anyone who vaguely sounds like the right person and hope someone pays up, it's disgusting.