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Re: CapQuest
Hi matey
Debt 1 & Debt 2 - send the letter below (to capquest), put both accounts on the letter
Hi matey
Debt 1 & Debt 2 - send the letter below (to capquest), put both accounts on the letter
Dear Sirs,
Account No: XXXXXXXX & XXXXXXXX
You have contacted me regarding the above accounts, which you claim is owed by myself. I would point out that I have no knowledge of any such debt being owed to (insert company name). If anything, you may find that both accounts are in fact Statute Barred as they were last used around 2002 time when I was in the forces. No contact or liability has been made in over 9 years.
I would point out that under the Limitation Act 1980 Section 5 "an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued". The OFT also say under their Debt Collection Guidance on statute barred debt that "it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period". The last acknowledgement to this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any action against me to recover the alleged amount claimed.
The OFT Debt Collection Guidance states further that "continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statue barred could amount to 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.
I look forward to your reply.
Yours faithfully
Sign digitally
Account No: XXXXXXXX & XXXXXXXX
You have contacted me regarding the above accounts, which you claim is owed by myself. I would point out that I have no knowledge of any such debt being owed to (insert company name). If anything, you may find that both accounts are in fact Statute Barred as they were last used around 2002 time when I was in the forces. No contact or liability has been made in over 9 years.
I would point out that under the Limitation Act 1980 Section 5 "an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued". The OFT also say under their Debt Collection Guidance on statute barred debt that "it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period". The last acknowledgement to this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any action against me to recover the alleged amount claimed.
The OFT Debt Collection Guidance states further that "continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statue barred could amount to 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.
I look forward to your reply.
Yours faithfully
Sign digitally
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