Wilkin Chapman LLp - Arrow Global Guernsey

[Phephenson]

Hi Everyone - hoping someone can set me on the right path to deal with this matter...I had help from stepchange several years back after a messy divorce left me in financial meltdown. I contacted all of my creditors before I stopped making payments and set up agreements with them all to make payment of £1 to each. Over the years some of them have been in contact and I've upped the payment to £5. Sometimes they have sold the debt on but all of the new DCA's have accepted that I make my payments on time every month and have left me alone.I've now had a letter that has taken an additional 2 weeks to reach me as it went to an old address. I don't know if other letters have gone there and been binned etc. by other tenants but the new tenants have started forwarding mail to me.The letter is from WC LLP and related to a debt they say I owe Arrow. They haven't stated how much the debt is but they do say 'we refer to our recent letter' - this is the only letter though that has reached me.Should I write to them explaining this and asking for details of the alleged debt? I've put together a letter stating this but now I'm unsure if I should be sending something more officially worded. It does strike me as a bit of a scare tactic letter - they mention court, the usual stuff but no statement of what I supposedly owe them.All help gratefully receivedthanksPhe

[nemesis45]

Re: Wilkin Chapman LLp - Arrow Global Guernsey

Hi welcome to LB.

I think a " prove it letter" to WC is the way to go.
e.g.

WC LLP

Date

Re: use theirs.

Sir /Madam,

I refer to your letter dated xx, xx, xxxx, received on xx. xx. xxxx having been forwarded to me from a previous address.

Please not I do not acknowledge and debt to your client, nor do I have any knowledge of any such debt.
Therefore I cannot enter into further correspondence until the full facts are disclosed.

I enclose here with a payment of £1.00 as the statutory fee for a request made under Sections 77/78 of the Consumer Credit Act 1974
(as amended) you are reminded the time scale for compliance is 12 + 2 Working Days and after that has expired the alleged debt becomes unenforceable until the Agreement and A signed current statement of the alleged account have been provided.

Send signed for post: For the payment use a cheque of postal order endorsed " For Statutory Fee Only" keep a copy of it.

nem

[Phephenson]

Re: Wilkin Chapman LLp - Arrow Global Guernsey

Thanks Nemesis45!
I have redone the letter as you have suggested. I think it's a frozen debt they have bought and I've been unwittingly paying a former DCA because they haven't passed on the correct address details.