Help! Letter before action from Drydensfairfax Sols

[PlanB]

Re: Help! Letter before action from Drydensfairfax Sols

The LBA reply posted above needs surgery for this case as a cca request has not been sent. I would send a cca request immediately.

So maybe the OP should send both at the same time? A CCA request and the LBA response letter with some serious tweaking. I've read you suggesting that combo somewhere before on this site

[mystery1]

Re: Help! Letter before action from Drydensfairfax Sols

Not guilty.

They should send Both the cca request and the lba reply though.

M1

[Battendown]

Re: Help! Letter before action from Drydensfairfax Sols

The real question is do they know it's post April 2007 ? The debt will have been purchased with minimal information. Who was the original creditor - I don't recognise the name "Fire", or am I being silly?

Sometimes we suggest sending a CCA request to buy you time to deal with it.

See what others have to say.

That's a good question, they may not know. It originally was a citi card, it was then bought by Opus who changed the credit card number but never actually issued me a card. The last payment was was on receipt of the last Citi statement I received. I never actually paid Opus. It was then sold to Cabot and Fire was a DCA they were using.
I hadn't heard from them for ages until a letter I received from Cabot and the Drydensfairfax letter.

I will get a cca request out by special delivery tomorrow. I would also like to send a response to the LBA as well if I can.

[Battendown]

Re: Help! Letter before action from Drydensfairfax Sols

The LBA reply posted above needs surgery for this case as a cca request has not been sent.

I would send a cca request immediately. The opening date of the account has no bearing on this

M1

Thank you Mystery1, I will get a cca request sent. Do you have any idea on how to tweak the LBA ?

[ken100464]

Re: Help! Letter before action from Drydensfairfax Sols

The real question is do they know it's post April 2007 ? The debt will have been purchased with minimal information. Who was the original creditor - I don't recognise the name "Fire", or am I being silly?

Sometimes we suggest sending a CCA request to buy you time to deal with it.

See what others have to say.

FIRE is CABOT is APEX is MARLIN.

Just silly games they play but interestingly in the new Conc rules the FCA seems to be frowning on this pretend we are someone else to confuse the consumer. Not really Treating Consumers Fairly (TCF) now is it.

[mystery1]

Re: Help! Letter before action from Drydensfairfax Sols

Thank you Mystery1, I will get a cca request sent. Do you have any idea on how to tweak the LBA ?

I do but the amount of info given so far is minimal and thus any reply is restricted by that.

M1

[PlanB]

Re: Help! Letter before action from Drydensfairfax Sols

I will get a cca request sent. Do you have any idea on how to tweak the LBA ?

As M1 says get the CCA request in the post asap.

We'll worry about the tweaking issue after you've heard from Niddy

[Battendown]

Re: Help! Letter before action from Drydensfairfax Sols

As M1 says get the CCA request in the post asap.

We'll worry about the tweaking issue after you've heard from Niddy

Ok, will get the cca posted tomorrow and wait till I hear from Niddy. Thank you.

[Battendown]

Re: Help! Letter before action from Drydensfairfax Sols

Hi Niddy, have you been able to sort out a reply to the LBA ? It's just I haven't got a clue !
Many thanks for your help.

[PlanB]

Re: Help! Letter before action from Drydensfairfax Sols

Hi Niddy, have you been able to sort out a reply to the LBA ? It's just I haven't got a clue !
Many thanks for your help.

Don't worry about this any more tonight. The Post Office is shut now so you can't send letters until tomorrow anyway. Relax. No point in lying awake worrying about things.

[Battendown]

Re: Help! Letter before action from Drydensfairfax Sols

Don't worry about this any more tonight. The Post Office is shut now so you can't send letters until tomorrow anyway. Relax. No point in lying awake worrying about things.

Thank you PlanB, your right. I love the little animation!

[Battendown]

Re: Help! Letter before action from Drydensfairfax Sols

Hi Niddy, have you been able to sort out a reply to the LBA ? It's just I haven't got a clue !
Many thanks for your help.

Any help would be greatly appreciated

[Deepie]

Re: Help! Letter before action from Drydensfairfax Sols

I do but the amount of info given so far is minimal and thus any reply is restricted by that.

M1

Any help would be greatly appreciated

please provide the following information for the account:

and any letters sent or received

• Type of account (credit card/loan)
  
  
• Date commenced (ideally before Apr 2007)
  
  
• Approx balance
  
  
• Date last paid (approximate date you last made a FULL payment)
  
  
• Are you on arrangement or not paying
  
  
• Status (default/in arrears/up-to-date)
  
  
• Account owner (who is writing to you, a DCA or the lender)

Edit sorry just read your first post...... I take it you have sent the CCA request off?

[Battendown]

Re: Help! Letter before action from Drydensfairfax Sols

Hi Deepie. Yes I sent it this morning special delivery.

[Deepie]

Re: Help! Letter before action from Drydensfairfax Sols

Have you received a default notice...if you have can you scan and post it minus your personal details