7/28/2019 Debtwizard Harassment Letter 01

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Letter you send to a lender or debt collector if you dispute the debtUpdated 24 October 2011

Replace and delete any unwanted text (mainly in blue) with your details andwords, then make sure all the text is in black font, keep a copy and postrecorded delivery. Check the I/We & me/us

Your address

Address of the loan companyOrDebt Collection Agency

Date (insert todays date)

By recorded delivery

Dear Sir/Madam

Reference or Account No: (Insert their reference or account number;this will be on the letter they have sent you)

I / We refer to your contact regarding the above account which you claim I / weowe. I / We am / are informing you that I/we do not recognise the debt andtherefore it is DISPUTED.

Under the Office of Fair Trading Debt Collection Guidance (updated October

2011) it states that it is unfair to send demands for payment to an individualwhen it is uncertain that they are the debtor in question.

I / We would also remind you that the OFT states under their Guidance that it isunfair to pursue third parties for payment when they are not liable and that itis deceptive and unfair in not ceasing collection activity whilst investigating areasonably queried or disputed debt.

Furthermore, if you ignore and/or disregard claims that debts have been settledor are disputed and continue to make unjustified demands for payment thenthis can amount to physical or psychological harassment, as detailed in the OFTGuidance.

I / We am / are also familiar with Section 40 of the Administration of Justice Act.

As I / we dispute this debt you refer to then I / we trust you will make no furthercontact unless you can satisfy me / us that this debt exists and that I / we am /are liable.

If you subsequently cannot prove I /we owe this debt and if you continue to actin this irresponsible and unprofessional way then I / we will have no otheralternative than to report you to Trading Standards and the Office of Fair

Trading. I / we will also lodge a complaint with the Financial Ombudsman

Service and your trade association, if appropriate, the Credit ServicesAssociation.

7/28/2019 Debtwizard Harassment Letter 01

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If I / we receive any communication from a / another debt collection agency thenit will be evident that you have sold this debt on with the knowledge that it isdisputed. Should this occur then I / we will report you to the government bodiesand trade association detailed above.

I / We now await written confirmation that this matter is now closed, you are notto contact me / us by telephone, instead by letter only.

I / We look forward to your reply by return.

Yours faithfully,

(Insert your signature)(Insert your name)

Notes

You now need to post this letter if you send it recorded delivery toguarantee postage then you can trace the letter at the followingwebsite:

http://www.royalmail.com/portal/rm/track;jsessionid=1PMIVXRQJAWD2FB2IGLENZQUHRAYUQ2K?catId=22700601&gear=authentication

Remember to change all the colours in this letter to black and deleteanything that is not needed before printing and sending. Check theI/We & me/us & a /another

http://www.royalmail.com/portal/rm/track;jsessionid=1PMIVXRQJAWD2FB2IGLENZQUHRAYUQ2K?catId=22700601&gear=authenticationhttp://www.royalmail.com/portal/rm/track;jsessionid=1PMIVXRQJAWD2FB2IGLENZQUHRAYUQ2K?catId=22700601&gear=authenticationhttp://www.royalmail.com/portal/rm/track;jsessionid=1PMIVXRQJAWD2FB2IGLENZQUHRAYUQ2K?catId=22700601&gear=authenticationhttp://www.royalmail.com/portal/rm/track;jsessionid=1PMIVXRQJAWD2FB2IGLENZQUHRAYUQ2K?catId=22700601&gear=authentication