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Debt Collection Complaint Letter
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Your name
Address
Postcode
Email Address
Date
Bailiff Company Name
Company Address
Postcode
Subject: Formal Complaint and Request for Proof of Debt and Fee Breakdown
Dear company name,
I am writing to formally address several concerns regarding your recent actions and demands in relation to a council tax debt purportedly owed by me.
I believe that the conduct of your bailiffs has been inappropriate and possibly unlawful, and I require immediate clarification and resolution of the following issues:
*. Proof of Debt Ownership:- Please provide a copy of the deed of assignment and any other documentation that proves you own the debt. - Without this proof, the alleged debt will not be paid back to the creditor.
It is essential to verify the legitimacy of the debt before proceeding with any payments.
Note: Even if you are working under instruction from the council, you must provide documentation proving you own the debt.
Failure to provide sufficient proof of debt ownership within this timeframe will result in my refusing to acknowledge or pay the alleged debt.
*. Detailed Fee Breakdown:-
I request a comprehensive breakdown of all fees added to the principal debt amount. This should include the basis for each fee and the dates they were applied.
*. Legal Right to Collect:
Offer evidence that your company is authorised to collect this debt under the applicable UK laws.
*. Harassment:-
There have been multiple instances where your bailiffs have acted in a manner that I consider to be harassing. I have documented these instances and am prepared to provide evidence if necessary.
Harassment by bailiffs is a serious matter, and I expect it to cease immediately.
*. Liability Order Verification:
- I request verification of the liability order, including a copy of the order itself and any related court documentation. It is essential to confirm the legitimacy of this order.
*. As per the Taking Control of Goods Regulations * and relevant case law, you are required to comply with these requests. Failure to do so may result in formal complaints being lodged with the relevant authorities, including the Financial Ombudsman Service.
I expect a response within 14 days to avoid further escalation of this matter.
A DSAR will be formally requested in due course
Yours sincerely
---
Your name
Address
Postcode
Email Address
Date
Bailiff Company Name
Company Address
Postcode
Subject: Formal Complaint and Request for Proof of Debt and Fee Breakdown
Dear [Company Name],
I am writing to formally address several concerns regarding your recent actions and demands in relation to a council tax debt purportedly owed by me.
I believe that the conduct of your bailiffs has been inappropriate and possibly unlawful, and I require immediate clarification and resolution of the following issues:
*. **Proof of Debt Ownership:**
- Please provide a copy of the deed of assignment and any other documentation that proves you own the debt.
- Without this proof, the alleged debt will not be paid back to the creditor.
- **Case Law:** *Harrison v. Link Financial Limited [*] EWHC B3 (Mercantile)* emphasizes that a debtor is entitled to see evidence that the creditor has the right to collect the debt.
*. **Detailed Fee Breakdown:**
- I request a comprehensive breakdown of all fees added to the principal debt amount. This should include the basis for each fee and the dates they were applied.
*. **Legal Right to Collect:**
- Offer evidence that your company
Your name
Address
Postcode
Email Address
Date
Bailiff Company Name
Company Address
Postcode
Subject: Formal Complaint and Request for Proof of Debt and Fee Breakdown
Dear [Company Name],
I am writing to formally address several concerns regarding your recent actions and demands in relation to a council tax debt purportedly owed by me.
I believe that the conduct of your bailiffs has been inappropriate and possibly unlawful, and I require immediate clarification and resolution of the following issues:
*. **Proof of Debt Ownership:**
- Please provide a copy of the deed of assignment and any other documentation that proves you own the debt.
- Without this proof, the alleged debt will not be paid back to the creditor.
- **Case Law:** *Harrison v. Link Financial Limited [*] EWHC B3 (Mercantile)* emphasizes that a debtor is entitled to see evidence that the creditor has the right to collect the debt.
*. **Detailed Fee Breakdown:**
- I request a comprehensive breakdown of all fees added to the principal debt amount. This should include the basis for each fee and the dates they were applied.
*. **Legal Right to Collect:**
- Offer evidence that your company
Carry on from this point: **Legal Right to Collect:**
- Offer evidence that your company
**Legal Right to Collect:**
- Offer evidence that your company is authorised to collect this debt under the applicable UK laws.
- **Case Law:** *Wood v. Forde [*] EWCA Civ ** highlights the necessity for clear authority to collect debt.
*. **Harassment:**
- There have been multiple instances where your bailiffs have acted in a manner that I consider to be harassing. I have documented these instances and am prepared to provide evidence if necessary.
- Harassment by bailiffs is a serious matter, and I expect it to cease immediately.
*. **Liability Order Verification:**
- I request verification of the liability order, including a copy of the order itself and any related court documentation. It is essential to confirm the legitimacy of this order.
*. **Taking Control of Goods Regulations *:**
- As per the Taking Control of Goods Regulations * and relevant case law, you are required to comply with these requests. Failure to do so may result in formal complaints being lodged with the relevant authorities, including the Financial Ombudsman Service.
I expect a response within 14 days to avoid further escalation of this matter.
A DSAR will be formally requested in due course.
Yours sincerely,
[Your
- Offer evidence that your company is authorised to collect this debt under the applicable UK laws.
- **Case Law:** *Wood v. Forde [*] EWCA Civ ** highlights the necessity for clear authority to collect debt.
*. **Harassment:**
- There have been multiple instances where your bailiffs have acted in a manner that I consider to be harassing. I have documented these instances and am prepared to provide evidence if necessary.
- Harassment by bailiffs is a serious matter, and I expect it to cease immediately.
*. **Liability Order Verification:**
- I request verification of the liability order, including a copy of the order itself and any related court documentation. It is essential to confirm the legitimacy of this order.
*. **Taking Control of Goods Regulations *:**
- As per the Taking Control of Goods Regulations * and relevant case law, you are required to comply with these requests. Failure to do so may result in formal complaints being lodged with the relevant authorities, including the Financial Ombudsman Service.
I expect a response within 14 days to avoid further escalation of this matter.
A DSAR will be formally requested in due course.
Yours sincerely,
[Your
Thank yiu
Certainly! Here's the completed letter with the relevant case law cited:
---
Your name
Address
Postcode
Email Address
Date
Bailiff Company Name
Company Address
Postcode
Subject: Formal Complaint and Request for Proof of Debt and Fee Breakdown
Dear [Company Name],
I am writing to formally address several concerns regarding your recent actions and demands in relation to a council tax debt purportedly owed by me.
I believe that the conduct of your bailiffs has been inappropriate and possibly unlawful, and I require immediate clarification and resolution of the following issues:
*. **Proof of Debt Ownership:**
- Please provide a copy of the deed of assignment and any other documentation that proves you own the debt.
- Without this proof, the alleged debt will not be paid back to the creditor.
- **Case Law:** *Harrison v. Link Financial Limited [*] EWHC B3 (Mercantile)* emphasizes that a debtor is entitled to see evidence that the creditor has the right to collect the debt.
*. **Detailed Fee Breakdown:**
- I request a comprehensive breakdown of all fees added to the principal debt amount. This should include the basis for each fee and the dates they were applied.
*. **Legal
---
Your name
Address
Postcode
Email Address
Date
Bailiff Company Name
Company Address
Postcode
Subject: Formal Complaint and Request for Proof of Debt and Fee Breakdown
Dear [Company Name],
I am writing to formally address several concerns regarding your recent actions and demands in relation to a council tax debt purportedly owed by me.
I believe that the conduct of your bailiffs has been inappropriate and possibly unlawful, and I require immediate clarification and resolution of the following issues:
*. **Proof of Debt Ownership:**
- Please provide a copy of the deed of assignment and any other documentation that proves you own the debt.
- Without this proof, the alleged debt will not be paid back to the creditor.
- **Case Law:** *Harrison v. Link Financial Limited [*] EWHC B3 (Mercantile)* emphasizes that a debtor is entitled to see evidence that the creditor has the right to collect the debt.
*. **Detailed Fee Breakdown:**
- I request a comprehensive breakdown of all fees added to the principal debt amount. This should include the basis for each fee and the dates they were applied.
*. **Legal