Arvato Finance chasing for money - never heard of the original debt!

SinkingFast

Hello all - hope your having a lovely week.

I just wanted to see if any of you have heard of Arvato Finance? I have received a letter today (in my maiden name - married 4 years!) at this address telling me they have bought the rights to a debt of £22.41 from Peoples Phone.

I have NO clue what this is about. Never been involved with Peoples Phone and only had my first contract about 2 years ago and that is still going!

Can anybody shed some light on this?

Many thanks.

bottleofred

Hi Sinkingfast,

It could be a case of mistaken identity or perhaps they are just chancers. It's such a small amount they may be banking on you simply paying it without really querying it. Send them the prove it letter below first and see how you get on, although print your signature as some dcas have been known to copy signatures. (nice people that they are!).

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

SinkingFast

Thank you.