Statute Barred Credit Card Debt

ARTooD2

Creditor / DCA
Address


Your Details


Date

Dear Sir/Madam

Account no: xxxxxxxx

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

I would point out that I have no knowledge of any such debt being owed to (insert company name).
I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

I 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.

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

I await your written confirmation that this matter is now closed.

Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

I look forward to your reply.

Yours faithfully

Would this (or simmilar) be the letter I am looking for?

DarkConvict

Prove It http://forums.moneysavingexpert.com/showpost.html?p=11570893&postcount=2

Statute Barred (use scotland version) http://forums.moneysavingexpert.com/showthread.html?p=11571227#post11571227

Both contain i do not acknowledge this debt, as such it will not reset the 5 year clock, as it needs payment for written acknowledgement of the debt.

ARTooD2

Thanks everyone for your help. Will get around to drafting a letter when I get home.