Help! Horrible letter from Clarity Credit Management!

matttye

Powered_By_Pies wrote: »

"It is unfair to communicate with debtors, or their representatives, in
whatever form, in an unclear, inaccurate or misleading manner. Examples of unfair or improper practices include: asking or instructing debtors to make contact on premium rate or other special rate telephone numbers."

http://www.oft.gov.uk/shared_oft/consultations/OFT664Rev_Debt_collection_g1.pdf

Section 3.3, annex L. If the letter simply told you to phone a premium rate line, you can kindly refer them to this and inform them that you're considering informing the OFT of your findings.

It'll make their ****holes twitch faster than a rabbits' nose.

Yes, there's an 0844 number on their website.

If they don't provide a valid credit agreement then sending them a bill for the cost of the phone call + your time might be in order, OP.

fatbelly

debt-freeoneday wrote: »

Thanks so much everyone! I felt really sick at the thought of having to pay money that I had no clue about yesterday. Feel so much better now. I'll wait to see if they write to me again and if so, I'll send the statute barred letter to them. Phew! That letter that got was so vague just asking to phone a number, it was such a shock when I heard what they wanted.

See what they come back with.

If this is an old account of yours, then the statute barred letter is appropriate as there has been a six-year period with no acknowledgement.

If it turns out to be something you don't recognise or they just demand money without providing evidence then there is a 'hybrid' letter that says you deny all liability but on the basis of their information it would be statute barred anyway. So they would have to provide evidence that links you to the debt AND show a pattern of payments over those ten years.

fermi

Have to agree really. At this point seems to be a question of waiting to see what if anything they provide, then selecting based on that the best method to tell them to "bog off".

But unless there is something you have forgotten, then it will be "bog off" one way or another.