capital recoveries - DMS help please

Ronnietink

HI All,

I've received letters from DMS Capital recoveries for an outstanding debt they say I owe (£4616.30!!) First two letters via post. then 2 hand delivered last week whilst I was away. Then a knock on the door this evening (I didn't answer) and a letter pushed through letter box basically saying that they have tried unsuccesfully to contact me but will come back in two days.

Am I right in thinking I should send them letter basically asking them to prove I owe the money?

Any help much appreciated

RT

fermi

Do you know what this debt is? Is it yours?

If it is yours how long is it since you last made a payment on or acknowledged it yourself in writing?

Need a few more details to help.

Ronnietink

Letter states debt is for outstanding nursery fees. I certainly do not believe this is my debt as 1. I paid fees (although usually in cash) & 2. How would my child have been able to continue at said nursery if I had this outstanding debt without staff talking to me.

Child is at school now so has not been in nursery for past 2 years. This is the first I have heard about any debt.

Only possible debt would come from when it was ex partners time to pay fees but this was very rarely as it was me who did most of collections etc

Thanxs fro quick response - hope this extra info helps??

fermi

OK then. They can't just demand monies without proof.

This is the letter normally suggested.

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

Ronnietink

Thanks for that Fermi

Fingers well 'n' truely crossed that this stops them knocking at door.

Should I be parking my car away from property etc??
Really panicking as read so many horror stories