I assume this is from the UK.
Well they wont be arriving at your house anytime soon.
This is a classic DCA tactic to get you to call.
Bear in mind the Pizza dude has more rights to call on you then these "people" do.
Now there is a number of things you can do, but please bear in mine I don't condone debt avoidance, but I loathe DCA's and their tactics with a passion.
- Continue to ignore their letters, they will get bored soon enough and go away
- Send them a simple "prove it" letter asking them to show that they can legally collect this debt
- Call them, acknowledge the debt and pay up what you owe.
Personally I wouldn't advise #3 as they have paid around 10% for this account and yet they will be demanding the full amount, also with recent activity on bank charges the amount being demanded is going to be incorrect.
As for #2 this works well:
Quote:
|
Originally Posted by Prove It Letter Dear Sir/Madam
You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.
I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).
I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.
I/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.
I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.
I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.
I/we look forward to your reply.
Yours faithfully |
The good thing is UK credit law applies in this case as it is a UK debt and the OFT will have the final say.
#1 is dead easy, simply file under ignore.
Now me being me I would take the fight to them and go with #2 and have some fun.
They have no idea what to do when people ignore their empty threats and fight back
As ever the end choice is yours, but I'm around if you need advice.
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