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Detail of Claimed Debt

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  • Detail of Claimed Debt

    Hi all,

    1
    I found this forum when searching for information on the net.
    Thank you Amethyst for your welcome e-mail.


    2
    My wife and I had been receiving calls for some time seeking to speak to a young lady relative (YLR). Callers refused to provide any details. YLR was not present at the time.


    3
    One day (1 Nov 2010) a call was made when YLR was present.
    She was advised that CCS Collect were seeking payment of a debt claimed to have been incurred by YLR in 2005 due to overpayment of benefits from The Department of Work and Pensions.
    This was completely out of the blue to the YLR and she asked that details be provided.


    4
    On 9 November YLR received a letter from CCS Collect dated 2 November stating "this is a formal notice of intended court action. If you fail to PAY THE FULL AMOUNT YOU OWE WITHIN 7 DAYS OF THE DATE OF THIS LETTER."
    It also stated the debt was due to "Department for Works and Pensions" and the "Amount due: £600.99". Reference numbers were given
    (Note the letter was only delivered on the 7th day after it was dated, the envelope has no dated postmark)

    No details of the debt other than the above were provided.


    5
    The YLR replied by letter dated 9 November 2010 acknowledging receipt (including reference number); advising
    (a) she had not been aware of the alleged debt until telcon from CCS on 1 November
    (b) she had never received any correspondence from the Department of Work and Pensions related to overpayment of benefits about 2005
    (c) CCS had failed to provide any information detailing what the claim relates to (as requested during telcon on 1 November).
    (d)
    The YLR requested CCS provide full supporting detail, by return, of when and where the alleged debt was incurred, in order that the matter be progressed.
    The letter was sent by first class post on 10 November, addressed to the author of the CCS Letter of 2nd November.


    6
    On 27 November 2011 YLR received a NOTICE OF INTENDED ACTION issued by CCS Collect - this was dated 18 November 2010.

    This stated she should pay the full amount by 10.00 am on 25th November 2010.
    (Note this is 2 days before delivery of the letter)

    It included no further details of when & where the alleged debt was incurred.

    It advised "If you fail to pay or seek help from us, we may take the following actions without further warning.
    - Arrange for a local collector to visit you at your home to discuss this debt.
    - Recommend to our Client that action is taken against you through the County Court/Sheriff Court.
    DO NOT IGNORE THIS NOTICE.

    No name or department of the sender in CCS Collect was given.


    7
    YLR has not been advised about the details to this alleged debt and sees no reason to pay a demand that is unsubstantiated.


    8
    She intends to reply (by recorded delivery letter) again requesting details of the alleged debt.
    I would be grateful if you could provide any advice for her regarding the format of the letter she should send, and/or a reference to legislation regarding provision of full details of the alleged debt.


    Rgds and thanks in anticipation
    Debtenquirer
    Tags: None

  • #2
    Re: Detail of Claimed Debt

    have a read of the first link in my siggie.
    Post #4 has a simple Prove It letter that should be useful in this case.

    Comment


    • #3
      Re: Detail of Claimed Debt

      Curlyben,

      Many thanks for your assistance

      Rgds
      debtenquirer

      Comment

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