Tawnyowl -slow acceleration to bankruptcy

[toddle2u]

Tawny sorry to hear of the heart attack and the ruined breakfast! Hope your on the mend now. You could adapt something to send them from this letter below. Also you need to put a defence into the claim stating that it was included in your BR and therefore you are not liable for it and ask for the case to be dismissed

 

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 .

 

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 County Court, and the address of the Official Receiver is below.

 

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 ‘Office of Fair Trading Debt Collection Guidance’ 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.

 

 

This type of debt collection method is contrary to the ‘Administration of Justice Act 1970’ 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.

 

We await your written confirmation that this matter is now closed and you have withdrawn your case and that a Notice of Discontinuance has been applied for.

 

We look forward to your reply.

 

Yours faithfully