Help - Debt collectors

seikothrill

I appreciate this may be placed in wrong category but I am lookig for some help rergarding Debt Collectors.

Recently I have been receiving letters for a Miss X but I just discarded them. However the latest one got the better of me and I opened it.

The letter stated that if the debt was not paid immediatley then debt collectors would be visiting my property.

The problem I have is that I purchased the property 3 years ago and it is my residential address. The seller was not Miss X and I have never heard of Miss X.

What should I be doing to prevent collectors banging on my door?

I contacted debt collector and they basically didn't believe I had never heard of Miss X as how else would they get my address.

All help appreciated

Thanks

Mimi_Arc_en_ciel

They can not take ANYTHING from you for a debt that isn't yours - tell them to get stuffed should they bother you. Theres a template letter knocking around which revokes permission for them to come on to your land - I'm sure someone on here knows more and will post the link for you

Me x

DarkConvict

They can't do anything, no your debt, not your problem.

A debt collector has less rights than a paperboy is the saying here. If they turn up tell them to go away, if they don't call the police.

The same sort of letters arrived to the flat i rented in, i just wrote on return to sender, previous tenant moved out over 12 months ago. And they actually stopped sending them, which was a surprise as i had sent them back return to sender for 6 months. Another alternative is writing to the return address, using a modification of this letter (bottom of post), change it to use DPA to force them to remove your address from their records, as they have inaccurate data.

n.b. you are not required to supply them any information at all to prove you are not the debtor in question. http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

Deceptive and/or unfair methods
2.7 Dealings with debtors are not to be deceitful and/or unfair.
2.8 Examples of unfair practices are as follows:
j. requiring an individual to supply information to prove they are not the
debtor in question, for example, driving licences, passports, full name,
date of birth, signatures

Hope that puts your mind at ease.

seikothrill

Many thanks to both mommyme and DarkConvict for your help.

Greatly appreciated