I recieved a final demand from Moriartylaw reference a debt with ADCB . I sent them the following email, and received the reply.
"
I refer to your letter dated 30/03/2023 regarding this debt. Received 08/04/2023
I believe that I do not owe the money that you are claiming. You will be aware that the Financial Conduct Authority (FCA) Consumer Credit sourcebook says:
A firm should neither ignore nor disregard a customer’s claim that his debt has been settled and/or is disputed and must stop making demands for payment without providing the customer clear justification and/or evidence as to why the claim is not valid. (7.5.3)
A firm must suspend or cease the steps it or its agent takes in the recovery of a customer’s debt where the customer disputes or has settled the debt on valid grounds or what may be considered valid grounds. (7.14.1)
If a customer disputes the debt on valid grounds or on what may be considered valid grounds, the firm must re-examine the dispute and provide details of the customer’s debt to the customer in a reasonably timely manner. (7.14.3)
If there is a dispute regarding the identity of the borrower or the amount of the debt, it is for the firm (not the customer) to establish that the customer is indeed the correct person/identity in relation to the debt owed or that the amount is correct under the agreement. (7.14.4)
A collection firm must provide the customer with information regarding the outcome of its investigations about a debt that the customer disputed or has settled on valid grounds. (7.14.5)
If the customer disputes the debt and the firm who seeks to recover the debt is neither the lender nor the owner, the firm is required to:
(1) Pass the information given by the customer to the actual lender or the owner; or
(2) If the firm was given authority by the lender or the owner to investigate the dispute, the firm is required to notify the lender or owner regarding the outcome of the investigation. (7.14.6)
Please either provide evidence that I am liable for this debt or confirm that you will not contact me further regarding the debt.
If you continue chasing me without providing evidence that I am liable for this debt this is deceptive and unfair. It also amounts to what is essentially physical and/or psychological harassment.
If you do not either provide evidence that I am liable for the debt or confirm that you will not be contacting me further, I will complain to Trading Standards and the FCA.
I await your reply.
Note: I do not reside at ****. Nor did I receive any correspondence dated 21/08/2019 as indicated.
All correspondence, if any, will be via this email address and no other types of correspondence will be entertained.
Yours faithfully
****
Their reply.
"
In order for us to discuss this matter via email, we require that you first pass an identification check by providing the following pieces of information:
Full name
Date of birth
First line of your address and post code
Confirm telephone number (optional)
Please further note that by responding with such information, you are giving your consent for us to communicate with you via this email address and for the information discussed via email to be detailed on your case notes and shared with our client(s) where appropriate.
If you do not feel you are able to communicate with us via email, or would rather communicate via telephone conversation, please phone 020 3126 4544 between our openings hours of 9:00 – 17:30, Monday to Thursday, 9:00 to 17:00 on Fridays, or 09:00 – 13:00 Saturdays.
Our website is available for the majority of our customers. You can sign up or login at www.moriartylaw.co.uk where you can make payments, set up arrangement, update contact details, chat to us via webchat and view your case via the customer dashboard at any time. The response time for webchat will be quicker than an e-mail.
Kind Regards
Moriarty Law "
My question is,
where do I go from here .
Im happy to give my name but no other information.
With my original email sent, I gave them their reference number which I feel is sufficient.
Should I attach their correspondence as proof.
Note I no longer live at the address letter was sent to.
Seemingly they had written to me in 2019, a letter I did not receive .
I have not lived in the UAE since 2016.... returned due to bereavement.
Their response appears to be at first glance to obtain more information !
Thx for any assistance.