The Single Letter Template
Send the Single Letter template to anyone demanding money from you. It is ideal for any agents, solicitors or debt collectors instructed to harass you on behalf of a creditor.
The single letter is an ideal template letter to dispute ANY debt.
It has all the elements required to dispute the debt and shift the burden onto the person (corporation) claiming the debt is owed.
It also provides a fee schedule, which if the other party does not dispute it agrees.
The letter also instructs them that you do not want to be harassed by them and communication should only be by email, which they cannot charge huge fees for.
[YOUR ADDRESS & POSTCODE]
[DATE IN FULL]
[COMPANY NAME ADDRESS & POSTCODE]
Dear Sir/Madam,
RE: Your reference: [THEIR REFERENCE NUMBER]
I am writing in reference to your letter dated: [DATE OF THEIR LETTER OR COMMUNICATION - DELETE LINE IF NOTHING RECEIVED].
You claim to be acting on behalf of [NAME OF CLIENT - DELETE LINE IF THEY DON'T HAVE A CLIENT] CORPORATION in reference to an Account number: [THEIR CLIENTS REFERENCE]
You further claim that a balance of £[ALLEGED DEBT AMOUNT] is outstanding.
Please note that this debt is disputed. Your charges in relation to this matter are also disputed. The disputed debt should not increase. Please do not send any further letters, do not phone, do not text and do not pay any visits.
You should only communicate by email to: [EMAIL ADDRESS THEY CAN USE] EMAIL ADDRESS. Do not attempt to request personal information for using this method of communication, none will be provided. No encrypted or password protected files will be opened or security checks complied with.
Please provide PROOF that this debt is owed, i.e. the contract upon which you rely;
Please provide PROOF that you have obtained by private information with my Consent in compliance with GDPR.
If you are relying on Legitimate Interest GDPR 6(1):
Demonstrate you compliance by providing your legitimate interests assessment (LIA);
Please provide details of your legitimate interests and indicate whether they are contained within your privacy information.
Please supply your Financial Conduct Authority authorisation number. Please also confirm your registration number with the Information Commissioners Office and your Public Liability Insurance details.
Please also supply me with a copy of your complaints procedure.
FEE SCHEDULE:
Please note that my fees for dealing with issues of this type are:
£50 per letter;
£50 per text message;
£250 per phone call;
£500 per hour, or part thereof, for all other methods of communication.
Kind Regards,
[YOUR NAME]
Subject Access Request
Why not ask the company demanding money from you for ALL the information they hold? It is FREE and gives them lots of interesting legislation that they have to comply with. If they fail to abide with GDPR, they risk receiving a large fine from the Information Commissioners Office:
If they still continue to send letters requesting payment or you want to stop them processing your information,
you can send them this along with the single letter or as a separate notice.
Article 17 & 21 GDPR 2018 Notice
[YOUR ADDRESS & POSTCODE]
[DATE IN FULL]
For the attention of:
The Data Protection Officer
[COMPANY NAME ADDRESS & POSTCODE]
NOTICE ISSUED PURSUANT ARTICLE 17 & ARTICLE 21 GDPR
I write pursuant to my rights granted under Article 17 of the General Data Protection Regulations. the right to erasure.
I hereby give you Notice that you must, within the time periods prescribed below, permanently cease processing all personal data of which I am the data subject. If you do not normally handle Data Protection Notices for your organisation, please pass this Notice to your Data Protection officer or another appropriate official.
THE MEANING OF THIS NOTICE
For the avoidance of doubt this Notice requires you to do all of the following:
(1) Within 3 days of receipt of this letter to cease or not to begin to:
(a) Obtain;
(b) Record; or
(c) Hold, any personal data of which I am the data subject (“my personal data”); and
(2) With immediate effect to cease or not to begin to carry out any operation or a series of operations involving my personal data including operations that would amount to the:
(a) Organisation, adaption or alteration;
(b) Retrieval, consultation or use;
(c) Disclosure by transmission, dissemination or otherwise making available; or
(d) Alignment or combination, of information or data.
GROUNDS FOR NOTICE
My grounds for giving you this Notice are:
(a) The processing of my personal data by you is causing or is likely to cause substantial damage to me and any person residing with me, due to a lack of ability to obtain credit caused by wrongful processing of my data
(b) The processing of my personal data by you is illegal as you do not have my consent.
(c) The processing of my personal data is illegal as we do not have a contract.
(d) The processing of my personal data is illegal as you have no proven legal obligation that applies to your organisation.
(e) The processing of my personal data is illegal as it is not necessary for you to protect my vital interests.
(f) In any case the damage and/or distress is unwarranted.
NO EXEMPTION FROM THE PROVISIONS OF ARTICLE 17 & 21 OF THE GENERAL DATA PROTECTION REGULATIONS
You are not excused compliance with this Notice under the provisions of Article 17 & 21 of the GDPR by virtue of the reasons set out below:
(1) I have not given you my consent to process my personal data.
(2) I am not a party to a contract with you.
(3) You have no proven legal obligation with which you must comply and which would permit you to process my personal data.
(4) No processing undertaken by you could be undertaken to protect my vital interests.
WHAT YOU MUST DO NEXT
In any event you must within 21 days of receiving this Notice give me Notice in writing stating:
(1) You have complied with the provisions of this Notice in full; or
(2) You have complied with the provisions of this Notice in part , stating which parts; and
(3) As to the parts not so complied with, your reasons for not doing so, including evidence that you can substantiate.
WARNING: CONSEQUENCES OF FAILURE TO COMPLY WITH THIS NOTICE
Should you fail to comply with the provisions of this Notice, I reserve absolutely the right to obtain, without further reference to you, a county court or High Court order to compel you to comply with this Notice together with an order that you pay my associated legal costs in full and for me to make an application for damages associated with your unlawful processing of my personal data.
Yours sincerely
[YOUR NAME]
After the first letter, you should send an invoice for every response you make to them.
A Cease and Desist notice is the final straw and is a Legal warning of intended prosecution if they continue to harass you.
CEASE AND DESIST
NON-NEGOTIABLE
[YOUR ADDRESS & POSTCODE]
[DATE IN FULL]
[COMPANY NAME ADDRESS & POSTCODE]
NOTICE TO CEASE AND DESIST
RE: Account Reference Number: [THEIR ACCOUNT REFERENCE]
This is a legal notice. Please read it carefully as it means what it says. Do not ignore it.
You are hereby served notice as of [Date in full], under the Protection from Harassment Act 1997 to immediately cease and desist any and all communication with the above addressee
You are further served notice to immediately cease and desist all calls and texts to any phone numbers associated with the above addressee.
Furthermore, you are to cease and desist in any attempt to contact the family, friends, neighbours, employers or any person(s) associated with the addressee in regards to this matter.
Please note that failure to comply with this notice may result in complaints being lodged with the appropriate regulatory bodies, and in some cases may lead to legal action.
Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003.
Without malice or mischief, in sincerity and honour.
Yours sincerely
[YOUR NAME]
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