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Help with a letter please....
devonsdreamer
Posts: 329 Forumite
After going bankrupt my joint overdrafts with Hubby have been passed to DCA. I have been contacted by Debt managemenet and recovery services. I expected it to be passed to a dca so when we got the first letter I responded and offered token payments. I recived the standard please call us letter.
However I have just recived a statment from abbey and have no letter stating the debt has been passed to this company. So was thinking I would write a stuff off I dont belive you own the debt letter can anyone help so far I have
"I write to acknowledge your recent message asking me to telephone you regarding my bank account.
I have recently received a statement from abbey and have had no correspondence to inform me that you are holding any debt therefore until I receive this I do not acknowledge any debt to your company.
In view of my circumstances, I withdraw my token offer request you supply me with proof of this debt.
I refer to my letter dated 09/05/08 and I formally request all future communications to be made in writing. I do not feel able to discuss this matter on the telephone as I find this stressful – please remove any telephone numbers you hold for me from your systems. I require all future communications in writing for my records. Please do not reply by asking me to telephone you as I am unable to do this.
What else should it say? Should I send it or is there a better way to approach this- all comments welcome- thanks
However I have just recived a statment from abbey and have no letter stating the debt has been passed to this company. So was thinking I would write a stuff off I dont belive you own the debt letter can anyone help so far I have
"I write to acknowledge your recent message asking me to telephone you regarding my bank account.
I have recently received a statement from abbey and have had no correspondence to inform me that you are holding any debt therefore until I receive this I do not acknowledge any debt to your company.
In view of my circumstances, I withdraw my token offer request you supply me with proof of this debt.
I refer to my letter dated 09/05/08 and I formally request all future communications to be made in writing. I do not feel able to discuss this matter on the telephone as I find this stressful – please remove any telephone numbers you hold for me from your systems. I require all future communications in writing for my records. Please do not reply by asking me to telephone you as I am unable to do this.
What else should it say? Should I send it or is there a better way to approach this- all comments welcome- thanks
Don't get strung out by the way I look,
Don't judge a book by it's cover
Don't judge a book by it's cover
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Comments
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Anyone??? PLease, even a yeh that will do send it and see
Don't get strung out by the way I look,
Don't judge a book by it's cover0 -
anything pre bankrupcy is covered under bankruptcy isnt it ???Sealed pot challenger # 10
1v100 £15/3000 -
It was a joint debt so my husband is now liable for the debt.Don't get strung out by the way I look,
Don't judge a book by it's cover0 -
talk to your or about this as he should only be liable for 50% surely??Sealed pot challenger # 10
1v100 £15/3000 -
with joint debt when one person becomes BR then 100% of the debt passes to the co signer/joint debtor.
there is a letter kicking about possible via national debt line that covers such events. I'll try dig it out for you
ETA I notice that you have been given the letter i was talking about on the BR board.MF aim 10th December 2020 :j:eek:MFW 2012 no86 OP 0/2000
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ah ok lilac pixie i didnt know that thanksSealed pot challenger # 10
1v100 £15/3000
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