Help!

ROOCHOP

Hi

I have recently sent offers to my five creditors including a financial review and offers of payment.

This was all dealt with in conjunction with the CAB, all offers have been accepted and payments set up.

Today I received a letter from an unrelated debt agency (Allied International Credit) in relation to a Joint loan account, this account has already been dealt with through a different solicitors for the full amount, and as I said an offer accepted.

As this was all done on a financial review, then the maximum possible payment at this time has been offered.

1) Can two separate credit agencies chase the same debt on a joint account?

2) If an offer has been made an accepted on this debt do we need to put forward a secondary offer two the other company?

3) If we need to pay both, can we legally change the offer to the company we are already paying and split between the two?

Cheers

thechippy

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 you.

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

For the moment, I'd just send allied this...


The debt may have been sold on, but you need to know. You don't normally get two dca's chasing at the same time.

ROOCHOP

thechippy wrote: »

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 you.

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

For the moment, I'd just send allied this...


The debt may have been sold on, but you need to know. You don't normally get two dca's chasing at the same time.

Thank you soooooo much :beer:

I thought it was odd due to the initial company have details of the full amount owed and I had been instructed that this company would be taking over the debt.

You are a star

thechippy

No prob mate.

Any more aggro, just get back to us.......:beer: