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The Letter To Debt Collector To Stop Contact is a crucial document used in South African debt collection contexts when a debtor needs to formally request cessation or modification of debt collector communications. This document becomes necessary when debt collection practices become overwhelming, inappropriate, or when the debtor needs to establish clear communication boundaries. It's drafted in compliance with the South African Debt Collectors Act 114 of 1998 and the National Credit Act 34 of 2005, which provide specific protections against harassment and regulate debt collection practices. The letter can be used by individuals or businesses and typically includes account details, formal requests for communication changes, references to legal rights, and specifications for acceptable future correspondence methods. It's particularly relevant when debt collectors have engaged in excessive contact, when communication needs to be redirected through legal representatives, or when the debt itself is under dispute.

1. Sender's Details: Full name, address, and contact information of the person sending the letter

2. Recipient's Details: Debt collector's company name, address, and any relevant registration numbers

3. Date: Current date of the letter

4. Account Reference: All relevant account numbers and reference numbers related to the debt

5. Formal Request: Clear statement demanding cessation of all contact except through written correspondence

6. Legal Rights Reference: Reference to relevant sections of the Debt Collectors Act and National Credit Act that protect consumers from harassment

7. Communication Preferences: Specification of acceptable forms of future communication (e.g., only in writing)

8. Record Keeping: Statement indicating that records of all correspondence are being maintained

9. Signature: Formal signature block with full name and date