Debt letters

[Snaps88]

Hi I’m hoping someone can help please we keep getting letters from a debt company called Cabot saying that they have confirmed a person lives at our address who never has, but despite phone calls explaining this to them they persist sending letters how do we stop this? Thank you

[atticus]

No more phone calls. Letters.

Return the letters unopened with your letter to Cabot.

[Snaps88]

Hi ATTICUS, thank you for your kind reply when you say letter do I have to write something or just send their letter back with not at this address written on it? Thank you

[atticus]

It would help you if you were able to communicate your reasons for sending the letters back and requesting that no further letters be sent.

[dslippy]

Do that. Just tat and nothing more.

[Snaps88]

Thank you both for your help I’m sorry I’m not good at that sort of thing are there any template letters I could copy? Thank you

[atticus]

What would you want to say to Cabot?

[Snaps88]

Just to say the person they are after has never lived at this address although for some strange reason they have the same first name as me the surname is completely different and has never lived at this Addis’s the house has been in the same family since it was built in the 50’s

[Snaps88]

It should say at this address sorry spell check mistake

[MIKE770]

Chased For Debts Not In Your Name? StepChange

[MIKE770]

Taken from Stepchange site - with thanks:-

[their postcode]*
Your address line 1 (required)

Your address line 2

Your address line 3

Your postcode (required)

12th January 2023

Dear Sir/Madam
Account No:
Your account or reference number (required)

You have contacted me about the account with the above reference number, which you claim I owe.
I have no knowledge of any such debt being owed to
Enter company name (required)

.
I am familiar with the Financial Conduct Authority's (FCA) Consumer Credit sourcebook which states the following.
"A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid." 7.5.3
"A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds." 7.14.1
"Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner." 7.14.3
If you do not stop collection activity whilst investigating my dispute, you are breaking FCA rules and guidance.
Also, ignoring claims that debts have been settled or are disputed and continuing to make unjustified demands for payment is harassment.
Please do not make any further contact about the above accounts unless you can provide evidence of my liability for the debt.
I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to my local trading standards service and consider informing the FCA of your actions.
I look forward to hearing from you.

[Snaps88]

Thank you for your help Mike770. Will me sending them this letter stop them sending any more letters for this person who they claim lives at my address but never has? Thank you

[MIKE770]

Then FOS be informed keep dates on file etc

[Snaps88]

FOS? Sorry Mike770 I don’t understand

[MIKE770]

Financial Ombudsman service