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Letter To Debt Collector To Stop Contact

Letter To Debt Collector To Stop Contact Template for Ireland

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Key Requirements PROMPT example:

Letter To Debt Collector To Stop Contact

"I need a Letter to Debt Collector to Stop Contact due to experiencing anxiety and stress from daily collection calls about my credit card debt; I want all future communications to be in writing only, citing relevant Irish mental health protections."

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Document background
The Letter to Debt Collector to Stop Contact is a crucial document used in Ireland when an individual needs to formally request the cessation of communications from debt collection agencies. This document becomes necessary when debt collector communications become excessive, inappropriate, or cause undue stress. It's particularly relevant under Irish consumer protection laws, including the Consumer Credit Act 1995 and the Central Bank's Consumer Protection Code. The letter must include specific account information, clear instructions regarding future communication preferences, and appropriate references to legal rights. While acknowledging the legitimate right of debt collectors to pursue valid debts, this document establishes boundaries for communication methods and frequency, supported by Irish legislation and GDPR requirements.
Suggested Sections

1. Sender Details: Full name, address, and any relevant account or reference numbers

2. Recipient Details: Debt collection agency's name, address, and any relevant department

3. Date: Current date of the letter

4. Subject Line: Clear identification of the purpose: 'Formal Request to Cease Communication - [Account Number]'

5. Account Information: Details of the relevant debt account(s) and any associated reference numbers

6. Formal Request: Clear statement requesting cessation of all contact except legally required communications

7. Legal Rights Citation: Reference to relevant Irish legislation and GDPR rights regarding communication preferences

8. Preferred Communication Method: Specification of acceptable forms of future communication (e.g., writing only)

9. Closing: Professional closing statement, signature, and printed name

Optional Sections

1. Dispute Notice: Include when disputing the validity or amount of the debt

2. Harassment Documentation: Include when there has been harassment or excessive contact from the collector

3. Medical/Hardship Statement: Include when requesting cessation due to medical conditions or severe hardship

4. Third-Party Authorization: Include when communications should be directed to a legal representative or authorized third party

5. Previous Communication Reference: Include when referring to previous attempts to resolve the situation

Suggested Schedules

1. Communication Log: Optional attachment documenting dates and nature of previous contact from debt collector

2. Supporting Documentation: Copies of relevant account statements, proof of identity, or other supporting documents

3. Medical Documentation: If applicable, medical certificates supporting cessation request due to health reasons

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Linkedin in social icon imageX social icon image
alex.den.21@genieai.co
Relevant Industries

Financial Services

Banking

Legal Services

Consumer Credit

Debt Collection

Consumer Protection

Healthcare Finance

Retail Banking

Insurance

Telecommunications

Relevant Teams

Legal

Compliance

Consumer Protection

Debt Management

Customer Relations

Financial Advisory

Risk Management

Regulatory Affairs

Collections

Customer Support

Relevant Roles

Debt Advisor

Financial Counselor

Consumer Rights Advocate

Legal Aid Officer

Credit Manager

Collections Manager

Compliance Officer

Consumer Protection Officer

Financial Services Manager

Personal Finance Consultant

Debt Management Specialist

Banking Operations Manager

Customer Relations Manager

Legal Services Coordinator

Industries
Consumer Credit Act 1995: Sets out the legal framework for consumer credit and debt collection practices in Ireland, including regulations on how creditors and debt collectors can interact with debtors
General Data Protection Regulation (GDPR) and Data Protection Act 2018: Governs how personal data must be handled, including the right to restrict processing of personal data and communication preferences
Central Bank Consumer Protection Code 2012: Establishes standards for financial services providers, including requirements for fair treatment of consumers and communication practices
Non-Fatal Offences Against the Person Act 1997: Contains provisions regarding harassment, which can be relevant if debt collectors engage in persistent unwanted contact
European Communities (Consumer Credit Agreements) Regulations 2010: Implements EU consumer credit rules in Ireland, providing additional protections for consumers in credit arrangements
Consumer Protection Act 2007: Protects consumers against aggressive commercial practices, which can include certain debt collection tactics
Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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