Help!! Being chased for money we dont owe.

lbj_3

All,

A number of months ago, we started receiving letters from a collection agency trying to recover a £450 debt. The letter was actually addressed to my wife, and I know for a fact so does not owe this money as my wife allows me to deal with all the household finances and has no credit facilities whatsoever. Certainly for the last ten years anyway.

We have sent letter after letter to these people, explaining that this must be a mistake but with no reply other than the next threatening letter.

We have asked them to provide proof of this debt and asked for a copy of the signed credit agreement and in the event that it is correct, we would pay in full immediatley.

We hear nothing back, Im worried now as this has been passed to a doorstep collection agency who are threatening to call.

Any advice please.

Regards

Lbj

SunderlandBlackCat

lbj wrote: »

All,

A number of months ago, we started receiving letters from a collection agency trying to recover a £450 debt. The letter was actually addressed to my wife, and I know for a fact so does not owe this money as my wife allows me to deal with all the household finances and has no credit facilities whatsoever. Certainly for the last ten years anyway.

We have sent letter after letter to these people, explaining that this must be a mistake but with no reply other than the next threatening letter.

We have asked them to provide proof of this debt and asked for a copy of the signed credit agreement and in the event that it is correct, we would pay in full immediatley.

We hear nothing back, Im worried now as this has been passed to a doorstep collection agency who are threatening to call.

Any advice please.

Regards

Lbj

Hi LBJ

Have a read of this

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=03_harassment

Hope it helps.

10past6

lbj wrote: »

Im worried now as this has been passed to a doorstep collection agency who are threatening to call.

Any advice please.

Send them this letter, by recorded delivery:

Your address

Date

Creditor / DCA address

Ref or A/C no.: XXXXXXXXXXX

Dear Sir / Madam

Please be advised that I am only prepared to communicate with XXXXXXXXX in writing. OFT rules and regulations clearly state that you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; e.g. the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

Therefore take note that I revoke license under Common Law for you, or your representatives, to visit me at my property and if you persist in sending "doorstep callers" to my home, you will be reported for harassment and be liable for damages for a tort of trespass.

You would also be liable for conspiring in a tort of trespass by acting in defiance of my instructions and sending someone to visit me nevertheless.

Should it be necessary, I will obtain an injunction

lbj_3

Thanks for your help guys.

I cant believe these people can just get away with not replying.

Regards

Lbj