Threating Letter from Pastdue Credit

djkrs

I have recieved a letter this morning from Pastdue Credit Solutions saying that I owe (my name spelt wrongly is on the letter)£874.49 (Pursuer stated to be E-on) from a rented address I moved out of in July of 2005. I have never heard of this company and I have never been contacted by E-on stating that I owe them money, I can't recall having a debt of this size with any utility company. I am at my wits end as what to do, I don't want to call them as I am staying with my parents and they will be harased every waking minute. I am also currently recieving treatment for Leukemia (but currently in remission) and is the last thing I need. What is my best course of action? I really don't want them to come round knocking on the door.

Culex

Your use of the word "pursuer" in place of "plaintiff" or "claimant" suggests you reside in Scotland.

If the address you vacated in July 2005 is also in Scotland, then the alleged debt (which may not have even been incurred by you) will surely be statute barred and, as I understand Scots Law, the debt will have been extinguished.

There are letters on here giving notice to a firm of [STRIKE]blackmailers[/STRIKE] debt collectors that they may not lawfully visit you and that they may only contact you by letter.

Hannah_10

You need to put the debt into dispute officially. To do this you would send the National Debtline template "prove it letter" below, adding your own details where appropriate.

Where out of England, Wales, Scotland or NI do you live? (It affects the rules that apply to the debt).

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

As a precaution for any debt you dispute or any debt with a DCA (debt collection agency, like pastdue) we say do not sign it with a pen. It's not unheard of for your signature to end up on things you have never seen before thanks to the wonders of cut and paste. Unlikely with a utility debt, not impossible though.

I also always say read this too (even if I did write it myself) : The Golden Rule and safe payments.

djkrs

I live in England, the Pursuer part was written on top of the letter along with my old address.