Response to Not a question as such...more an interesting idea...

When the association acts for a member we ask the debt collector to produce a list of eleven documents in order for us to obtain legal advice.the list contains all the items which would have to be produced at discovery if the lender pursued the matter to court. The aim of this exercise is to rid the borrower of spurious and unsubstantiated claims and to work in line with the Woolf Report. We are not asking for anything extraordinary. if these lenders had money judgments they would not be threatening court action they could simply rely on the judgment. If the items are not produced in 14 days then we write assuming that the claim has ceased and any further correspondence or phonecalls directly to our member will be treated as harassment and reported accordingly as a criminal offence. these debt collectors are well trained to intimidate you and make your life a misery. unless you have nerves of steel get the help of someone who is able to act on your behalf.You don't need a solicitor or debt consolidator. Rember just because someone has sent you a bill it does not mean that you owe it. These people contravene Civil Procedure Rules. get the debt substantiated before agreeing to pay a reduced amount and paying a consolidator a percentage of something which you may not have owed in the first place.

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