Outstanding debt letter from AJJB LAW

[Joblondie]

Hi I received a letter from AJJB LAW with regard to an outstanding debt from over 7 years ago. I emailed the company to ask them what the debt is for and the length of time,e that has lapsed. They told me it was for a debt from 2010 for credit card which has somewhat confused me as I currently hold a credit card with the said comapny. They advised me that I was making repayments to them in the last 6 years. This I cannot recall. I received a second letter telling me the would take me to court. I tried t9 access the account online to make a payment to find the account was closed. I took a screen shot. Today I received another threatening letter with a completely different reference number on which rings alarm bells with me, I am unsure whether this debt is legit after reading several reviews on trust pilot. The debt is only for £56.20 but its more obout legitimacy and principal for me , can you help x

[R0b]

Sounds like they may not have a clue themselves.

I would suggest you write back to them in the first instance covering one or more of the following points as you see fit.

- Highlight the fact that they have been sending you letters with different account numbers which may indicate that they don't really know whether the debt is actually yours. Ask them to confirm in writing which account number they are relying on as your account and that the debt is associated with that account.

- They are making a statement that you have made a statement in the last 6 years so ask them to provide you with (i) all of the dates that you supposedly made a payment to under this account (ii) the exact amounts which have been paid (iii) which bank account those payments were sent from.

- Finally, I would round off by saying that you have no knowledge of the debt or making any payments in the last 6 years relating to this account. In the event that legal proceedings are issued or that they continue to demand payment without providing the necessary information you have requested in order to consider your position, you reserve the right to pursue a claim or counterclaim against the creditor and/or AJJB Law for harassment. You could remind that under the FCA Consumer Credit Sourcebook (CONC) Rule 7.5.3 states that:

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.

On a separate note, you would be wise to send a subject access request to the creditor for all information they hold about you under that new account number. An example letter can be found here: https://legalbeagles.info/library/gu...ccess-request/

You could make a request for your consumer credit agreement which they must provide within 12 working days, but I would hold off until they issue legal proceedings. Then you may want to consider a counterclaim for harassment at the same time but we can deal with that when we cross that bridge.

Final point: Keep everything in email and all records and evidence you find as you may need it later on. Do not take their calls unless it is absolutely necessary but if you do, try and record the phone call if possible and follow up immediately after by confirming in letter/writing what was discussed (only if you think it was relevant). Make it clear you only wish to correspond in writing and if they ignore it, you have further grounds for harassment.