Hello, posted this below in Oct 09 and received some great advice. sent letter from this site about disputed debt and all harrasment stopped.
4 months later...
Have now received a letter from another different debt collection agency persuing this disputed debt, so i sent the disputed debt letter as before and have now heard back with a very aggressive letter stating they are well within the guidelines the oft set out and "this is not harrassment- far from it" i have to forward a valid explanation or they will persue the matter further. They have also detailed the reason why they feel i owe the amount which is total fabrication! and has no documents to back it up.
The company who claim i owe the debt to have repeatedly failed to send me any documents just insisting i owe them money, how can i stop this cycle? Are they allowed to sell on a disputed debt? What about the 1st debt collecting company i have heard nothing from?
Any advice would be great!
*2 years ago i received a renewal notice from my insurers to renew my car insurance, the insured car was kept on my private driveway and had'nt been driven since i had moved to a job with a company car.
*I informed the insurers by telephone that i did not wish to renew, case closed or so i thought...
*No premium had been taken by direct debit, then 8 mths later took a call from insurers saying due to THEIR admin error the premium had not been requested and i needed to pay up!
*Lots of threatening calls and letters later - i stuck to my guns stating the insurance was cancelled - they finally went away, last contact was sep 08.
*1 year later - I have just received a debt collection agency letter stating i owe the insurer the full premium amount, and pay up within 7 days - feeling very bullied now as they are threatening court action any help would be gratefully received!