HELP! disabled with so much debt

[joshing]

Re: HELP! disabled with so much debt

Well vanquis or rather Impact is not giving up ringing or texting maybe not as often as they were but still annoying, still no update from them regarding cca or even that they have received our request.

[joshing]

Re: HELP! disabled with so much debt

Whoever signed for that letter has some explaining to do!

Thats why they sign just a christian name I reckon, could be anyone, they can always say "we have no one work here by that name" darn convenient if you ask me.

[Undercover Elsa]

Re: HELP! disabled with so much debt

Postal order has NOT been cashed????

Whoever signed for that letter has some explaining to do!

[joshing]

Re: HELP! disabled with so much debt

A cca in the post this morning from M & S storecard from omg 1987, cannot believe i have had it that long. All scanned and sending to Niddy for his brilliant feedback. Thanks in advance Niddy.

[joshing]

Re: HELP! disabled with so much debt

All done and sent by recorded, I did notice that I had forgotton to date the darn letter though, I added it when I copied it but if they reckon they havent got it then it wont matter... I hope... all the receipts had the date on.

[joshing]

Re: HELP! disabled with so much debt

[QUOTE=Undercover Elsa;326108
I'd just send something on the lines below Jilly. It might also be possible to find out if the PO has been cashed by ringing 08457 223344


Postal order has NOT been cashed????

[joshing]

Re: HELP! disabled with so much debt

Spot on with your first suggestion Missy
I'd just send something on the lines below Jilly. It might also be possible to find out if the PO has been cashed by ringing 08457 223344

Dear Sirs,
Further to your letter of 25th June 2013, I am confused as to why you state that your client cannot find any suggestion that a request for the Consumer Credit Agreement was received when the request, complete with a £1 Postal Order number xxxxxxxxxxxx, was sent to your office by Registered Post and signed for by "Andrew" on xxxx.

Can you please explain why this was not passed on to your client, and what has happened to the £1 statutory fee, which should only have been used for that purpose.

I enclose a copy of the letter, and a scan of the signature and PO receipt for your reference.
Obviously my original request is still outstanding and I would be grateful if you would investigate the loss of my letter and fee and provided the required documentation as soon as possible.

Yours faithfully

Many thanks Elsa im on it, bloody cheeky gits... trying to get it posted today.

[SA Gold]

Re: HELP! disabled with so much debt

Not really...it's specific to Jilly's situation

Ah, fair enough. I just thought it came up from time to time, but maybe not.

[Undercover Elsa]

Re: HELP! disabled with so much debt

Not really...it's specific to Jilly's situation

[SA Gold]

Re: HELP! disabled with so much debt

Spot on with your first suggestion Missy

Ah that's good to hear, cheers Elsa!
Do you think it is worth adding this as a template?

Cheers

[Undercover Elsa]

Re: HELP! disabled with so much debt

Spot on with your first suggestion Missy
I'd just send something on the lines below Jilly. It might also be possible to find out if the PO has been cashed by ringing 08457 223344

Dear Sirs,
Further to your letter of 25th June 2013, I am confused as to why you state that your client cannot find any suggestion that a request for the Consumer Credit Agreement was received when the request, complete with a £1 Postal Order number xxxxxxxxxxxx, was sent to your office by Registered Post and signed for by "Andrew" on xxxx.

Can you please explain why this was not passed on to your client, and what has happened to the £1 statutory fee, which should only have been used for that purpose.

I enclose a copy of the letter, and a scan of the signature and PO receipt for your reference.
Obviously my original request is still outstanding and I would be grateful if you would investigate the loss of my letter and fee and provide the required documentation as soon as possible.

Yours faithfully

[SA Gold]

Re: HELP! disabled with so much debt

Next move please?

Hi Jill,
I am interested to what the next move would be here, too.
I guess it may be a one-liner with a copy of your CCA request and proof of signature, or it could be a fresh one to cover all bases.
I would wait until one of the mods has chance to pop in and advice on this. It's likely there is a template for this, although can't see for looking at the moment.

Best,
Missy

[joshing]

Re: HELP! disabled with so much debt


Morning! another letter this morning from cougar regarding cca, they say now well you can read it, not received request, I have the receipt for postal order and recorded delivery dated 21st may. IT WAS SENT TO THEM. Do I have to send to capital one as well? Next move please?

[SA Gold]

Re: HELP! disabled with so much debt

We have by now realised that they call from LOADS of different numbers so just dont answer the mobile, the home phone well it dont connect straight away so we know its them and put it down.

not sure what platform your partners mobile is running Jill but just check the app has the option to drop everything not in the phone book.

I will look into a blocker ap as my partner does gets anxious, he thinks someone will knock on the door and take all his stuff..lol...I keep telling him they cant get past security door anyway.

I still have the urge to send something rude to make them stop ringing and send the darn cca,s its obvious they havent got them or they would have sent. BUT im doing as im told by Niddy and sitting tight.

Ah this is understandable. Most people are unaware of the rights, or rather lack of them in this case (!), that anyone who did (and if they did turn up) have until they are in debt. Most people visualize Robocop turning up and taking everything. This just doesn't happen.

If its any consolation, i once lived in a flat where the previous owner had done a runner on British Gas. Several "field agents" turned up and were pensioners - not quite 007 that these crappy letters would have you believe.

Sit tight, and ride this out because some time soon they will move on to the next person on their list.

[joshing]

Re: HELP! disabled with so much debt

Is it just (just as if one phone isn't bad enough!) the mobile they are calling Jill?
If so, you could either install a blocker application and tell it to drop that number, or save it as a contact so you know to ignore it.
or
You could answer and just fail the security questions.
Personally, i think ignore/drop the call is the better option as they may think you have changed your number after a few days. Be warned they may try and call from another number to see if it is active, so only answer contacts in your phone book.

I know this is frustrating but can only compare it to teething whereby the pain does go away.

Assuming your partner doesn't rely on answer messages, you could always switch it off - even if temporarily.
Personally i don't use them because it allows this type of thing - and other not so other menacing sales calls the medium to increase blood pressure. If i miss a call from someone in my phone book, i call them back. If i don't recognize the number/don't want to - i don't.

We have by now realised that they call from LOADS of different numbers so just dont answer the mobile, the home phone well it dont connect straight away so we know its them and put it down. I will look into a blocker ap as my partner does gets anxious, he thinks someone will knock on the door and take all his stuff..lol...I keep telling him they cant get past security door anyway.

I still have the urge to send something rude to make them stop ringing and send the darn cca,s its obvious they havent got them or they would have sent. BUT im doing as im told by Niddy and sitting tight.