How to start the process

Hi,
I recently had a few letters from RW for a debt which is well over 10 years old.
One of their agents came to the door. I wasnt working at the time and they put the "account" on hold for 30 days.
I have never signed anything though.

My question is how do I start the letters process?
Do I send letters to RW and also the debt purchasers?
Are their different letters for each of those?

It may sound stupid but at the bottom of the letters it says john doe. Do i replace that with my own name?
Thanks

Hi twiggy & welcome,

More info would be helpful.
What is the alleged debt for ?
When was last payment made ?
Do you have a default notice ?
When was this account opened ?

Hi,
It was a black horse loan. Quite possibly 15 years ago. I never made any payments. Not the best time of my life really.

When they came to your door did you acknowledge you owed the debt ? Were they recording.

I presume you have had letters from Hoist Portfolio who are debt purchasers ,in which case start these letters with them. https://goodf.forumotion.com/t1131-new-3-letters-for-debt-purchasers.

Robinson way are a part of Hoist ,send these to them;https://goodf.forumotion.com/t1163-new-alternative-letters-for-dca-s-acting-as-agents

Also this to Robinson Way ;


To all it concern WARNING NOTICE to anyone having business/visiting
NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLIES
NO TRESPASS
NOTICE REMOVAL OF IMPLIED RIGHT OF ACCESS
You are advised to read the following notice thoroughly and carefully. It is a lawful notice. It informs you. It means what it says.

I hereby give notice that the implied right of access to the property known as and surrounding areas, has been removed, along with all associated property including, but not limited to, any private conveyance in respect of the following:

1) ANY employee, principal, agent, third party or representative or any other person acting on behalf of any CORPORATE BODY (i.e. Company) howsoever named and,

2) ANY POLICE OFFICER who is acting for the CORPORATE POLICE and NOT acting as expressed in the Oath of Office of all POLICE men and women, that is as Public Servants, upon your Oath of Office to serve "with fairness, integrity, diligence and impartiality, upholding fundamental human rights and according equal respect to all people; and that I will, to the best of my power, cause the peace to be kept and preserved and prevent all offences against people and property"

COMMON LAW JURISDICTION APPLIES EXCLUSIVELY

Please also take notice that this country is a Common Law jurisdiction and any transgression of this notice will be dealt with according to Common Law.
Any and all access to the above mentioned properties shall be by strict invitation only and shall be subject to terms and conditions, available by written request.

We do not have, and have never had, a contract. And any permission that you believe you may have from me is hereby withdrawn. If you believe that you have power of attorney to act on my behalf you are hereby fired, and any consent that you believe you may have, tacit or otherwise, is hereby withdrawn. If you feel so inclined as to enforce statutes as a consequence of this matter I will report your conduct to ALL relevant bodies and will pursue Proof of Claim in affidavit form, under your full commercial liability and under the penalty of perjury. You are deemed to have been served this notice with immediate effect. There will be a charge of £4,950.00 for any incursion what so ever.
In sincerity and honour, without ill-will, frivolity, or vexation
Without any admission of any liability whosoever, and with all Indefeasible Rights reserved.
Errors & Omissions Excepted.

Send everything recorded mail ,do not send anything to a PO BOX

Just to add. If you have not made any payment or acknowledged the debt for 6 years,it should be statute barred anyway.That may be the reason they turned up at your door to take you by surprise hoping you will admit the debt.

Thank you

And, do I need to replace "John Doe" with my name on those letters?

Yes. follow the way the letters are constructed.

It would also be a good idea to send a Subject Access Request to the original creditor. its free and will show what information they hold on you ,or whether or not they still have info on this alleged debt.
Below is all you need to send . They must supply within a month.

"This is a Subject Access Data Request. in accordance with the General Data Protection Regulation .
Please supply any and all data you hold for (your name) . Please supply this data within the regulation timeframe."

Thank you for your help.