Do you have constant debt collection agencies sending you demanding letters? Maybe you have bailiffs knocking at your door?
Don't panic, help is at hand.
Clients Helped.
County Court Judgements Overturned.
Debt Written Off.
I specialise in helping people with their unsecured debt, wether it's for unsecured loans, credit cards, catalogues, store cards pay-day loans, or mobile phone contracts.
I employ a unconventional approach to helping you beat the bailiffs and the Debt Collection Agencies.
This process is a simple "put up or shut up". Supply the requested documents or I will consider this matter closed. You give them 14 days between letters and if they don't provide the requested documents they agree by inaction that you don't owe them any money.
A tacit agreement.
The 3 letter process is one that establishes that no debt is owed LEGALLY. To do this, you must give the Debt Buyer the opportunity to provide the documents that would make the purchase of the debt LEGAL. If you just send a single letter, this would not establish much, just that you are disputing the debt. By disputing and asking them 3 times to supply the documents, and giving them 14 days between letters, they are given every opportunity to supply the necessary documents to show the debt is owed. When they cannot or will not provide them, the 3 letters then forms a legal defence to any court action the Debt Buyer may take in the future. So if the matter ever got taken to court:
These letters will not work on the DWP, HMRC, Court Fines (HMCTS) or Bailiffs. Nor will these letters work on any account that is still with the original creditor.
You can send the three letters to debt buyers such as Lowell Portfolio, Cabot Financial, PRA Group, Hoist Finance, Arrow Global and Lantern to name just a few.
If the Debt Purchase Company cannot provide what you have requested, they can only respond in a limited number of ways;
Replying to you with a new account balance of £0.00
Replying to you stating they don't accept your letters.
Informing you they are returning the account to the original owner.
Replying to you stating they will continue recovery action.
Carry on with the second letter leaving 14 days before sending the third letter.