Many thanks. The debt collection agency is just a company with no more rights or powers than you or I. They simply condact debtors on behalf of their client. They cannot take you to court or do anything more than call you or knock at your door. DCAs have strick codes which they have to abide by.
Regarding the debt collection, you can consider writing to the company involved referring to our previous contacts with their client and that you have provided them with proof that the transactions which are being claimed are fraudulent and that you have not heard anything further from them and you deny any indebtedness to their client and if their client wishes to take the matter further you ask that they supply evidence to rebut the evidence you have supplied them. In the meantime you can ask the DCA to cease and desist further communcations unless it is to notify you that they are issuing court proceedings. There is a great deal of legislation that can protect you which I suggest you refer to as follows:
Section 40 - Administration of Justice Act 1970.
The Consumer Protection from Unfair Trading Regulations 2008.
Section 4A - Public Order Act 1986.
Section 1 & 2 - Malicious Communications Act 1988.
The Protection from Harassment Act 1997 - section 1 can be applied to creditors harassing debtors whereby a person is guilty of this offence if they pursue a course of conduct that they know or ought to know amounts to harassment of another. You would need to prove their conduct on more than one occasion.
If they ignore you, you can advise them that you will otherwise consider a report to the Financial Ombudsman Service as to their conduct with a view to reviewing their licence and to seek compensation and also reserve your rights to seek civil injunctions and costs against them.
You should not need to do any of this. The above should be sufficient to get them to back off. If they don't you can proceed as above.
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