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A week or so ago I received a Default Note from JC International.
This followed an arrears notice for £10.00, which had apparently accrued from an agreement I had with them to pay £5 per month that I had supposedly agreed to around September 2014 on the Monument account JC Internationalbought all "rights, title and interest" from Raphael & Sons in February 2012. Suffice to say, I have never made any agreement, or payment, to them at any time.
In March 2009, I sent Monument (then owned by Raphael $ Sons) a section 78 request. As is normal with them, they sent (on their own admission) a signed application form, and a copy of their then terms & conditions, which of course was useless, because the original creditor was Providian. Since my original request, I have never paid a penny off this account, so I suspect that the reason for the bogus arrears notice is because the six year date is looming large!
Now we come onto the DN.
It basically says that providing I pay the £15 by Feb 10th, all will be forgiven. However the creditor is named as Raphael & Sons, even though I have been told in writing that JC International are the owners.
I have, of course, denied owing them anything, and asked them to provide proof under CPUTR 2008, of any agreement I made with them, be it for £5 or any other amount. I also made a further section 78 request to them, sent recorded, which they received on 28th January, so they have another couple of weeks to provide me with something that none of the Monument owners have been able to provide.
This post is really just to point out one of the other tricks that the DCA's try to cancel out the six year statute.
This followed an arrears notice for £10.00, which had apparently accrued from an agreement I had with them to pay £5 per month that I had supposedly agreed to around September 2014 on the Monument account JC Internationalbought all "rights, title and interest" from Raphael & Sons in February 2012. Suffice to say, I have never made any agreement, or payment, to them at any time.
In March 2009, I sent Monument (then owned by Raphael $ Sons) a section 78 request. As is normal with them, they sent (on their own admission) a signed application form, and a copy of their then terms & conditions, which of course was useless, because the original creditor was Providian. Since my original request, I have never paid a penny off this account, so I suspect that the reason for the bogus arrears notice is because the six year date is looming large!
Now we come onto the DN.
It basically says that providing I pay the £15 by Feb 10th, all will be forgiven. However the creditor is named as Raphael & Sons, even though I have been told in writing that JC International are the owners.
I have, of course, denied owing them anything, and asked them to provide proof under CPUTR 2008, of any agreement I made with them, be it for £5 or any other amount. I also made a further section 78 request to them, sent recorded, which they received on 28th January, so they have another couple of weeks to provide me with something that none of the Monument owners have been able to provide.
This post is really just to point out one of the other tricks that the DCA's try to cancel out the six year statute.
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