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  • FIRST POST
    • Gerry865
    • By Gerry865 6th Mar 18, 1:42 PM
    • 23Posts
    • 6Thanks
    Gerry865
    PRA Group
    • #1
    • 6th Mar 18, 1:42 PM
    PRA Group 6th Mar 18 at 1:42 PM
    I have today received a letter from this company for an amount of 157.32 for a debt with GE Capital.

    I was made bankrupt on 23/11/2009, and this amount was included in my Bankruptcy. This firm keeps contacting me, should I ignore them or tell them again that I went bankrupt?
Page 1
    • luvchocolate
    • By luvchocolate 6th Mar 18, 1:58 PM
    • 1,544 Posts
    • 1,405 Thanks
    luvchocolate
    • #2
    • 6th Mar 18, 1:58 PM
    • #2
    • 6th Mar 18, 1:58 PM
    Reply to them quoting your B.R no.
    If they continue pass it on to the O.R who handled your case.
    • philnicandevan
    • By philnicandevan 6th Mar 18, 6:47 PM
    • 553 Posts
    • 514 Thanks
    philnicandevan
    • #3
    • 6th Mar 18, 6:47 PM
    • #3
    • 6th Mar 18, 6:47 PM
    Or send this (with your details etc changed..from one of fermi's brilliant letters a while back)

    Your Address

    Date:

    Creditor's Name
    Address.




    NOTICE: Pursuit of a debt included in a bankruptcy. Do not ignore this letter. You must cease collection activity IMMEDIATELY.

    Dear Sir/Madam

    Account No: *****************

    You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves.

    I would point out that the account was included in my bankruptcy which commenced on <date>.

    Consequently, the debt in question is no longer my legal responsibility.

    ALL contacts and claims regarding the debt MUST be addressed to the Official Receiver's Office dealing with the case.

    My case was XXX of 200X, at <somewhere> County Court, and the address of the Official Receiver is below.

    <Address of the OR.
    >

    A copy of the bankruptcy order is enclosed for your convenience.

    Please note that the Official Receiver has requested that all future contact from your company regarding these accounts is reported and forwarded to themselves, and that continued contact with myself may result in Official Receiver taking enforcement actions against your organisation.

    Please also note that we are familiar with the !!!8216;Office of Fair Trading Debt Collection Guidance!!!8217; which states that it is unfair to send demands for payment to an individual when the debt is not due.

    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.

    In addition, your continued telephone calls are in breach of the Office of Fair Trading guidelines. If you continue with them after the receipt of this letter an official complaint, together with a log recording the times and frequency of the calls will be passed both to that office and to the Trading Standards office.

    This type of debt collection method is contrary to the !!!8216;Administration of Justice Act 1970!!!8217; in that it is intended to cause alarm and distress to the recipient. Your methods will not be tolerated. A formal complaint will be submitted to the relevant authorities. This will be relevant to questions of your fitness to hold a licence under the Consumer Credit Act, whether or not it results in a prosecution.

    Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003.

    We await your written confirmation that this matter is now closed.

    We look forward to your reply.

    Yours faithfully



    A N Other



    and print surname NOT sign


    Not quite a newbie as you think (the member formally known as philnicandamy!)

    FINALLY a qualified CAB debt caseworker 2015..
    BSC 58
    • haggis0073
    • By haggis0073 6th Mar 18, 7:13 PM
    • 160 Posts
    • 118 Thanks
    haggis0073
    • #4
    • 6th Mar 18, 7:13 PM
    • #4
    • 6th Mar 18, 7:13 PM
    now thats what i call a letter lol, will take a copy of that for future reference
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