crs

[specialbru]

I was hoping for some advice on the best way to deal with a company called CRS who are continually harrassing me over an alleged debt of 20 pound to a car insurance company

I have phoned the insurance co to pay the debt but they are unwilling to take payment as they say they have sold the debt to crs.

crs are saying the debt is now £58 which im unwilling to pay .

[enquirer]

Re: crs

Firstly, ask them for proof that the debt actually exists. Then, assuming that it does, ask them for proof that it was purchased by them.

[specialbru]

Re: crs

I was told not to start any dialogue with them ,is that not correct?

[specialbru]

Re: crs

Can anyone help me with this ?

[specialbru]

Re: crs

Obviously not !

[FlamingParrot]

Re: crs

I was told not to start any dialogue with them ,is that not correct?

You shouldn't talk with them over the phone, that's correct. Also if this debt hasn't had any payments or written acknowledgment in 6 years, it may be SBd.

Can anyone help me with this ?

Obviously not !

The sums involved are too small for them to be able to take them to court over this debt. You can send them a prove it letter as below:

Dear Sirs

Account No/Reference No: XXXXXXXX

You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I have no knowledge of any such debt being owed to {INSERT CREDITOR NAME}. I am familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable and in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive and unfair methods. Furthermore ignoring and disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical & psychological harassment.

I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question and await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions.

Yours faithfully,

If they are harassing you over the phone, you may want to look at this thread: http://www.legalbeagles.info/forums/...om+harrassment

[specialbru]

Re: crs

Thank you ,ill have a look at the links posted.