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Re: Ten years of Black Horse, help me to end it please ?
Morning Susie..... here we go again Hun! If you are happy, send by rec. delivery.
Dear Sir/Madam,
Your Ref: xxxxxxx
FORMAL COMPLAINT
Thank you for your extremely quick (and final) response to a complaint addressed to your agents; Aplins. It is clear from the extremely swift response to a complaint that was not even addressed to your company that you have not bothered to respond to its content properly, or at all. In fact, your “findings” leave me somewhat bemused.
Firstly and as already mentioned, the complaint was addressed to Aplins on this occasion but rather than deal with it themselves, they appear to have passed it for you to play around with in yet another chapter of this ridiculous farce.
Secondly, all clients and agents to date (including your company) have been made fully aware of an ongoing dispute with Black Horse Finance (BH) since 2012. Each and every letter attempting to brush things under the carpet as a final response by BH or otherwise has been responded to. Since BH were unable to answer those concerns, way back in 2012 however, they decided to sell a disputed account to yourselves instead; a dispute that you were made fully aware of, by your own admission, but preferred to take the stance that everything was hunky dory because it seemed to suit your agenda much better.
I would however like to express my thanks for re-confirming that it was “clear that the account was in dispute prior to acquisition” as this is the crux of the entire issue. Furthermore, since by your own admission, you have known about the dispute(s) raised with BH from when you first started perstering me for money, then your company should have made arrangements to return it to BH for them to address the dispute properly under the Consumer Protection from Unfair Trading Regulations (CPUTR) 2008, as requested, instead of assuming that I must have a screw loose and accepting any old tosh that BH decided to tell you in an attempt to absolve themselves of any responsibility.
When a request is made under CPUTR 2008, it is not for you or any other set of clients and agents to rely on feelings to justify a campaign of harassment for money, especially when the unsubstantiated nature of that alleged debt purchase has been pointed out to you time and time again. How you “feel” about BH’s response to the concerns raised in my correspondence to them and to you is of no consequence and until such times as those feelings can be substantiated with facts; detailing a complete breakdown of figures from inception until the sale of those figures by BH to your company, I doubt that any court will be interested in how you “feel” either.
As you imply that you have copies of all anomalies raised in correspondence with BH back in 2012, there should be no confusion as to what these are, so please stop messing me around.My request under CPUTR 2008 for full clarification and a complete breakdown of figures from BH since inception still stands. If you do not have copies of all correspondence between myself and BH, then I suggest you get hold of it before coming out with more inane comments.
I might also suggest that you do not attempt to cherry pick extracts of CPUTR 2008 and/or then expect me to explain them to you. I am sure you are aware that CPUTR 2008 prohibits unfair or aggressive commercial practices (among other things) that are intended to mislead consumers and effect their choices, either by misdirection, misinformation, omission or undue pressure. If you need to be sure of anything else, I suggest you read the legislation for yourself. While you are at it, you may also want to look at The Consumer Protection (Amendment) Regulations 2014, which amend the existing CPUTR 2008 to give consumers a new right of redress against businesses who conduct aggressive or misleading practices which have a significant factor in a consumer’s decision (in this case) to make payments. This includes debt collectors, like yourselves, who purchase accounts from creditors with poor lending agreements and anomalous records and (knowingly) continue to recover alleged debts under the terms of these agreements and anomalies; tantamount to an unfair commercial practice. At this point it might be worth remembering that consumer credit licenses are only given to and retained by those who are fit to hold them.
Should you decide to engage another set of solicitors, then please be advised that a formal complaint will be raised with them as well in due course. Should you decide to re-instruct Aplins however, then please be advised that a second formal complaint will eventually surface referring to their failure to address the first one. I have no interest in contacting the Credit Services Association as you suggest and needless to say, still do not acknowledge any debt your company, clients, agents, clients’ clients, clients’ agents or anyone else.
As your complaint is a “final” one, and I have made my position perfectly clear on numerous occasions over the last two years with a plethora of clients and agents, I suggest that you now consider your position very carefully.
Yours faithfully,
Morning Susie..... here we go again Hun! If you are happy, send by rec. delivery.
Dear Sir/Madam,
Your Ref: xxxxxxx
FORMAL COMPLAINT
Thank you for your extremely quick (and final) response to a complaint addressed to your agents; Aplins. It is clear from the extremely swift response to a complaint that was not even addressed to your company that you have not bothered to respond to its content properly, or at all. In fact, your “findings” leave me somewhat bemused.
Firstly and as already mentioned, the complaint was addressed to Aplins on this occasion but rather than deal with it themselves, they appear to have passed it for you to play around with in yet another chapter of this ridiculous farce.
Secondly, all clients and agents to date (including your company) have been made fully aware of an ongoing dispute with Black Horse Finance (BH) since 2012. Each and every letter attempting to brush things under the carpet as a final response by BH or otherwise has been responded to. Since BH were unable to answer those concerns, way back in 2012 however, they decided to sell a disputed account to yourselves instead; a dispute that you were made fully aware of, by your own admission, but preferred to take the stance that everything was hunky dory because it seemed to suit your agenda much better.
I would however like to express my thanks for re-confirming that it was “clear that the account was in dispute prior to acquisition” as this is the crux of the entire issue. Furthermore, since by your own admission, you have known about the dispute(s) raised with BH from when you first started perstering me for money, then your company should have made arrangements to return it to BH for them to address the dispute properly under the Consumer Protection from Unfair Trading Regulations (CPUTR) 2008, as requested, instead of assuming that I must have a screw loose and accepting any old tosh that BH decided to tell you in an attempt to absolve themselves of any responsibility.
When a request is made under CPUTR 2008, it is not for you or any other set of clients and agents to rely on feelings to justify a campaign of harassment for money, especially when the unsubstantiated nature of that alleged debt purchase has been pointed out to you time and time again. How you “feel” about BH’s response to the concerns raised in my correspondence to them and to you is of no consequence and until such times as those feelings can be substantiated with facts; detailing a complete breakdown of figures from inception until the sale of those figures by BH to your company, I doubt that any court will be interested in how you “feel” either.
As you imply that you have copies of all anomalies raised in correspondence with BH back in 2012, there should be no confusion as to what these are, so please stop messing me around.My request under CPUTR 2008 for full clarification and a complete breakdown of figures from BH since inception still stands. If you do not have copies of all correspondence between myself and BH, then I suggest you get hold of it before coming out with more inane comments.
I might also suggest that you do not attempt to cherry pick extracts of CPUTR 2008 and/or then expect me to explain them to you. I am sure you are aware that CPUTR 2008 prohibits unfair or aggressive commercial practices (among other things) that are intended to mislead consumers and effect their choices, either by misdirection, misinformation, omission or undue pressure. If you need to be sure of anything else, I suggest you read the legislation for yourself. While you are at it, you may also want to look at The Consumer Protection (Amendment) Regulations 2014, which amend the existing CPUTR 2008 to give consumers a new right of redress against businesses who conduct aggressive or misleading practices which have a significant factor in a consumer’s decision (in this case) to make payments. This includes debt collectors, like yourselves, who purchase accounts from creditors with poor lending agreements and anomalous records and (knowingly) continue to recover alleged debts under the terms of these agreements and anomalies; tantamount to an unfair commercial practice. At this point it might be worth remembering that consumer credit licenses are only given to and retained by those who are fit to hold them.
Should you decide to engage another set of solicitors, then please be advised that a formal complaint will be raised with them as well in due course. Should you decide to re-instruct Aplins however, then please be advised that a second formal complaint will eventually surface referring to their failure to address the first one. I have no interest in contacting the Credit Services Association as you suggest and needless to say, still do not acknowledge any debt your company, clients, agents, clients’ clients, clients’ agents or anyone else.
As your complaint is a “final” one, and I have made my position perfectly clear on numerous occasions over the last two years with a plethora of clients and agents, I suggest that you now consider your position very carefully.
Yours faithfully,
........
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