Writing to Creditors

KatieWelshie

Good Afternoon Everyone!

Just a quick question, I have had a quick scan on the forum but I can't seem to find the answer .

Just wondering when you write to your creditors, do you write to the registered address or the address on the statement?

I have been writing to both, and in some of the cases the debt collectors, and I'm not receiving any replies even though they are being signed for (sent recorded).

One of the debt collectors in particular "Reliable Collections" have received 3 letters off me (and signed for each!) but are still writing to state that I have made no effort to contact them.

I have used letter templates off this amazing knowledgable website
and also used some off the National Debt Line website and I am still getting ignored :mad:

How many letters do you usually send before you get a response?

NO-BRAIN

Hi Katie,

I suppose it depends on what you are writing to them about for instance, from reading some of the site, its 12+2 days if you are asking for proof of the debt being yours, plus you have to send a £1 postal order, however if it's another matter I'm not sure but at the top of this forum there's a sticky post which identifies all the things which DCA are not supposed to do like ignore you and continue to send same letter-it's harrassment..have a good read it's worth it. Hope you find your answer.

Thanks,

saltnvinegar

KatieWelshie wrote: »

Good Afternoon Everyone!

Just a quick question, I have had a quick scan on the forum but I can't seem to find the answer .

Just wondering when you write to your creditors, do you write to the registered address or the address on the statement?

I have been writing to both, and in some of the cases the debt collectors, and I'm not receiving any replies even though they are being signed for (sent recorded).

One of the debt collectors in particular "Reliable Collections" have received 3 letters off me (and signed for each!) but are still writing to state that I have made no effort to contact them.

I have used letter templates off this amazing knowledgable website
and also used some off the National Debt Line website and I am still getting ignored :mad:

How many letters do you usually send before you get a response?

Hi KatieWelshie

This is actually good news for you for the following reasons:

1) Your creditors are breaching OFT guidelines (do a google search for OFT guidelines 664) on debt collection fair business practices

2) You have sent them letters to which they have not responded (and have proof of delivery and receipt)

3) You have evidence of harrassment (claiming to not have received correspondance when you have proof that they have)

What you should now is write a formal letter of complaint and address it as such.

Ensure you lay out exactly when your letters were sent and state that they have not even had the courtesy to respond and accuse you of not trying to contact them when clearly you have.

Inform them they are in breach of OFT 664 guidelines and you will also be writing a complaint to the OFT as to their conduct.

If (in the very unlikely event) this went to court then you will have all the evidence available to show that you have tried to resolve this amicably but your creditors have ignored your correspondance and that taking legal action could be considered unreasonable and vexatious and a breach of the over-riding objectives of the Court process.

Keep sending your letters, keep sending them recorded delivery and the proof of this, and keep building up your portfolio.

What you want to achieve is to be able to show that you have made every possible reasonable effort to sort out your debts and it is your creditors who have been obstructive and unreasonable.

Remember DCA's only power over you is to threaten and bluster, don't let them intimidate you and let them dig themselves into a large hole.

Their solicitors would be very loathe to recommend court action if you would be able to show your efforts to resolve this without such action being necessary as they know a judge would be more likely to side with you if they have acted unreasonably.

Keep plugging away and you should get there eventually.

Best

SnV