Debt letter.

Ask them for a letter with a detailed/itemised list of what they say you owe this £100 for, then perhaps you can match this up against your bank statements?
 
I don't understand why you're looking at your bank statement to see if you're in debt to a company. If it was on your bank statement, then the company would have been paid by your bank, and you would be in debt to your bank, nothing to do with the company to which you originally owed money. If it is not on your bank statement, then you may well owe said company money, which is between you and the company. If you can view your account online and it shows a nil balance, then contact them re: the letter received from merit force. You've been a little vague as to what dealings you've had with them, and what kind of company they are, so its hard to be specific.
 
A quick google seems to suggest that these guys are less then reputable. From what I've read so far there's not much chance of anyone actually coming to your house to collect, they're hoping you'll pay up out of fear.
 
legally debt collection as an industry is a joke.

the HAVE to leave your property if you ask them to.

as said above they need to provide a break down of the specifics.

the only real reason that non-court order debt collection, as an industry, exists is exactly because people dont understand the law and the proces can be harrowing.

you must ask for the specifics and state very clearly in a letter that you thoroughly dispute the debt and that you do not want anyone to come to your home also.
 
I was in debt with BT Click&Buy a few years ago for a fiver. They sent a few emails threatening people coming round to collect it. It was not for lack of funds, I just never remembered to pay it. Regardless, I never had a knock on the door, nor did I expect one, for a fiver, it would cost more to hire the debt collectors. :rolleyes:

Back OT, you are nonsensical OP... I can't understand what/who you're talking about,

"I paid the webbilling/clearcash company 8 times, two times of that they reversed the payment back into my bank this was in September 2009. Between that time I was £25 in debt, with the bank, but that money was cleared and all my balances were ok."

So you had £25 D on your bank statement? if so, webbilling had been paid and u owe ur bank, and would be charged if you had no overdraft facility.
 
The_Sophisticate said:
So you had £25 D on your bank statement? if so, webbilling had been paid and u owe ur bank, and would be charged if you had no overdraft facility.
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Yes exactly that's why I'm trying to say, sorry for not being clearer, just I'm so worried. But that has all been paid and there is no D on any of my recent statements, or account balance. So what can I do now then?
 
As Rotty said, it's for them to prove you owe it.

I had a problem with a previous employer claiming I owed them £77 in overpaid wages, when I'd calculated the opposite. I phoned them up and asked them to explain why they felt I'd been overpaid. 2 days later I get a screenshot showing I hadn't worked a certain week, when I had. I told them I wasn't paying them, and in fact they owed ME money. 2 weeks later I get a letter from some debt collection company sending me a letter IN LOTS OF CAPITALS STATING I MUST PAY NOW, to which I promptly told them where to shove it. This was 7 weeks ago, not heard a peep since.

Write them a letter saying you're challenging their claims and want a detailed itemisation of transactions and for them to prove why you owe them money. If they're right, then pay up. If they're wrong, kindly tell them to sod off :p

Don't be worried in the slightest, they won't take any action against you. Not for that amount.
 
I should've done actually, would have been quite amusing :D

Only problem there is I couldn't work out how much they owed me, it was far too confusing. :(
 
Ok so a letter will go out tommorow asking for itemised listing of/if I do owe any money.

Should I go to the bank also?
 
Vita said:
Ok so a letter will go out tommorow asking for itemised listing of/if I do owe any money.

Should I go to the bank also?
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It's been a while since I've dealt with this sort of thing, but your letter should be set out something like this:


Dear Sirs,

Please be advised that I have no records relating to your claim, and therefore regard it as disputed.

Further to your statutory obligations under section 77 (1) and section 78 (1) of the Consumer Credit Act 1974, I demand that you provide relevant documentation is support of your claim, including true copies of any signed credit agreements, deeds of assignment and statements of account, or properly formatted and accurate reconstituted copies thereof.

In relation to the above, I enclose a postal order in the sum of £1 in respect of the maximum statutory fee, which may not be used as a credit against my account or for any purpose other than that specified.

In respect of your threat to attempt a doorstep collection, please further note that any implied right of access is hereby withdrawn from yourselves and all persons acting on your behalf, and any such persons attempting to gain access will be regarded as trespassers and removed by the most appropriate method.


Yours, blah blah.
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You absolutely *don't* need to contact your bank, in fact you don't need to do anything unless/until you hear back from Meritforce (which I very much doubt you will). :)

edit: don't forget to send the letter by recorded delivery... and don't speak to debt collectors on the phone, ever....
 
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This happened to me not so long ago got on the phone "If you'd look at the records, you'd see I don't owe you a penny as I paid in full for 2 years service, I have proof of this, so you can call off your debt collection agency."

Is pretty much what I said, after about 10 minutes of speaking to some useless bint I spoke to her manager who just basically said, sorry for the inconvinience and that I didn't owe them anything.
 
CaptainCrash said:
It's been a while since I've dealt with this sort of thing, but your letter should be set out something like this:





You absolutely *don't* need to contact your bank, in fact you don't need to do anything unless/until you hear back from Meritforce (which I very much doubt you will). :)

edit: don't forget to send the letter by recorded delivery... and don't speak to debt collectors on the phone, ever....
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Thanks, £1 postal order? What and how do I do that, sorry I'm as thick as right now.
 
Vita said:
Thanks, £1 postal order? What and how do I do that, sorry I'm as thick as right now.
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They're allowed to charge that to provide you with the documentation - they probably don't even have it, but it's just a CYA so that you've done everything by the book.

Just pop into a post office (you'll need to anyway, to send the letter by recorded delivery), get a postal order fror £1, make it payable to Meritforce and include it in the envelope with your letter. You could write a cheque, but it's probably better not to let them have your bank details (as a general rule, give them as little information to work with as you can).
 
tell them to **** off if they send someone round, the debt collectors are just retards, had some 100 year old geezer once for previous tenant, got annoyed with him in the end trying to question me so I told him to **** off and he never came back, its for them to prove to you so just ignore it if you want!
 
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