Template response re the NOCA (for Debt Purchasers!!)

For those claiming a debt is owed to debt purchasers some help to respond to those   NOCA NOTICES!!  

For everyone else this is what an acceptable response might look like , if its not similar then proceed with the next step in your NOCA process !!



Subject: Response to Debt Claim

Dear [Recipient's Name],

In response to your specific inquiries:

   Is this claim legally enforceable?

Your inquiry requires a nuanced response. While we believe our claim is legally enforceable, I am committed to providing you with the necessary documentation to substantiate our position. We anticipate providing a detailed response within [Specify Time Frame] from the date of this letter.

   Do you hold or have in your possession the alleged agreement signed by myself?

We are currently in the process of reviewing our records to confirm the existence of the alleged agreement. Once this review is complete, we anticipate providing you with a 'True or Certified copy' of the agreement, along with any relevant terms and conditions, within [Specify Time Frame] from the date of this letter.

   Please confirm that the alleged original agreement is a Negotiable Instrument / A Promissory note / Security / Bill of Exchange.

Our legal team is examining the nature of the alleged original agreement in line with standard banking practices and The Bills of Exchange Act 1882. We anticipate providing a comprehensive response to this question within [Specify Time Frame] from the date of this letter.

   If you have confirmed that paragraph 3 is correct, are you aware of the implications as stated by Lord Denning M.R.?

We appreciate your reference to the judgment by Lord Denning M.R. We will carefully consider its implications and respond accordingly after consulting with our legal advisors within [Specify Time Frame] from the date of this letter.

   Are you aware that if the alleged 'note' was deposited with [Original Creditor], they may have created money out of thin air?

We are taking your assertion seriously and will seek clarification from [Original Creditor] regarding the creation of money from thin air as mentioned in the Bank of England quarterly bulletin. We anticipate providing a response within [Specify Time Frame] from the date of this letter.

   As it is recognized that [Original Creditor] created money from thin air, you may wish to obtain clarification from them on how they suffered a material loss.

We will engage with [Original Creditor] to gain insights into any material loss they may have incurred, considering the points you raised, within [Specify Time Frame] from the date of this letter.

   Are you aware that if you have not been provided with the alleged original 'note' by [Original Creditor], it may be located anywhere in the world, and any holder in due course could make a claim against me?

We understand the importance of locating the alleged original 'note' and will work diligently to ascertain its current whereabouts. We anticipate providing a response within [Specify Time Frame] from the date of this letter.

   If in possession of the alleged original 'note,' will you return it upon full settlement of the alleged debt?

Upon full settlement of the alleged debt, we commit to returning the alleged original 'note' to you for cancellation within [Specify Time Frame] from the date of this letter.

   Please supply a certified copy of any Deed of Assignment.

We are in the process of preparing a redacted copy of the Deed of Assignment in accordance with the legal precedents you cited. We anticipate providing this redacted copy within [Specify Time Frame] from the date of this letter.

   Supply the name of the individual within your corporation responsible for due diligence.

[Your Company] has assigned [Name], [Position], to oversee due diligence on this matter. [Name] will attest to the accuracy of our claim under full personal liability. We anticipate providing [Name]'s response within [Specify Time Frame] from the date of this letter.

Additionally, we recognise that our previous demands may not have been as transparent as they should have been, particularly when the evidence was not immediately at hand. We apologise for any confusion or frustration this may have caused. We shall halt any further action regarding this matter until after all the required documents and information is collated and sent to you for your scrutiny .
Moving forward, we assure you that we will be more transparent about the status of the evidence and provide regular updates on our progress. We understand the importance of clear communication in resolving this matter and appreciate your understanding.

I trust that this response addresses your concerns comprehensively. We value your cooperation in resolving this matter and remain open to further dialogue.

Yours sincerely,

[Your Full Name] Chief Executive Officer [Your Company Name] [Your Contact Information]