Cease and Desist – Harassment Regarding Unacknowledged and Disputed Debt

Cease and Desist – Harassment Regarding Unacknowledged and Disputed Debt To Whom It May Concern, Good day. I am writing to formally raise a serious complaint and demand immediate cessation of all communication regarding an alleged debt that I do not recognize and have no knowledge of. Over the past almost 10 years, I have been repeatedly contacted—via threatening SMSs and other means—about a debt I have disputed multiple times, yet you continue to pursue me in breach of my rights. In 2016, I received a “Notice – Payment Not Received”, which listed the address as 8 Seder, P****long, Tembisa, Gauteng 1632. This address is not, and has never been, associated with me. I do not know this place and strongly doubt whether the address even exists. I have never lived there and have no knowledge of the debt in question. Despite several calls and emails to your office over the years, I have: • Repeatedly requested proof of this alleged debt. • Received a so-called Client/Application Mandate and Agreement, which does not reflect my full name, contact number, or email address. • Clearly stated that I have never heard of "Computec", have never done business with them, and do not know what they do. • Requested the call recording that supposedly forms part of this "mandate"—only to be told it was not available. Furthermore, the initial amount listed in 2016 was R687.70, and now the SMS I received today claims the debt is R9,672.80. The discrepancy in the amount, combined with the total lack of valid documentation, only strengthens my belief that this matter is either *****ulent or based on incorrect information—possibly even identity theft. It was not me, and I will not be held liable for something I did not buy, use, or request. Your continued harassment, including messages such as: “WARNING: You will not get away with not paying this debt” is a direct violation of both the Council for Debt Collectors’ Code of Conduct and my rights as a consumer. I now formally demand: 1. That all communication ceases immediately. 2. That you provide verifiable proof of debt, failing which I consider this matter closed. 3. That you stop sending threatening or defamatory SMSs to my personal number. Should this harassment continue, I will escalate this matter by filing a formal complaint with: • The Council for Debt Collectors • The National Credit Regulator • And if necessary, the South African Human Rights Commission This has gone on far too long. I trust that you will now treat this matter with the seriousness and respect it warrants.