Three UK

[sam]

Re: Three UK

I couldn't add to the email!
http://i1175.photobucket.com/albums/...psea2e4e38.jpg

[Never-In-Doubt]

Re: Three UK

can you email me the letter please and not use crappy-bucket

[sam]

Re: Three UK

Now received the letter below!!

[sam]

Re: Three UK

Ok so I sent the SB letter and the response is below...
Note they say I had a phone conversation with them!! I did NOT!

http://i1175.photobucket.com/albums/...ps6beaccb3.png

[sam]

Re: Three UK

Thanks Niddy I'll get that letter off to them once i'm in the template site :-)

[Never-In-Doubt]

Re: Three UK

I'm already a member Niddy..

Even though I made an offer acknowledging the debt I can go SB?
Do I send it to both BW or Lowells?

Send to BW

Send that to BW legal.

I doubt the offer would affect SB tbh, we'll argue that if and when it becomes an issue. Right now they'll fight back saying you paid £10 in but then we show them Lowells letter confirming it was for a SAR hence an error that must be retrospectively put back so forget that - you're home and dry mate. Well done

[sam]

Re: Three UK

I'm already a member Niddy..

Even though I made an offer acknowledging the debt I can go SB?
Do I send it to both BW or Lowells?

[Never-In-Doubt]

Re: Three UK

This is already SB so you do not need to worry. All you need to do is to register to AAD --> http://forums.all-about-debt.co.uk/s...-New-Templates

Login - then come here and click this link --> http://www.all-about-debt.co.uk/inde...barred-england

Send that to BW legal.

[sam]

Re: Three UK

Hi Niddy and all...
Ok this does not want to disappear!

quick back ground
I had a default drop off my credit file for this recently but I'm getting threats from BW Legal now RE legal proceedings etc.
Defaulted amount was £96, ammount they claim owing is £435
I allege this account was miss sold to me Dec 06 by Three, they say different.
I last made a payment of £4.08 march 2007
I sent an offer of £75 to end this matter in 2011 which was ignored on numerous occasions then turned down.
I sent SAR May 2011 to which they replied they had sold the debt now and sent nothing. In the end they sent it after much hassle but then paid the £10 SAR fee I sent of the owing balance as a dirty trick surely to make it look like I paid them?

I Goggled BW Legal and from the looks of it they like to issue a Statutory Demand?? i really don't want this landing on me so shall I hit them with a SB letter?????
I'll post a copy of the letter BW Legal sent me.
Also a letter from Lowells admitting they used the SAR £10 to pay off the balance of the Three bill. Note this letter is 5 months after I sent my SAR.

[Pixie]

Re: Three UK

The SB letter is here

[sam]

Re: Three UK

Thanks Niddy...
I may as well ignore them then rather than play letter tennis with them?
Is there a link to SB letters in case i need it?

Thanks again :-)

[Pixie]

Re: Three UK

Hold up, i think i recall something about a debt being SB before an offer is made, can not reset it from being SB? or have i got that wrong?

I understand if you make an offer within the limitations period, then it resets the SB clock, but i believe if an offer is made AFTER limitations Act kicks in, it can not reset the clock?

Perhaps the argument thus far about miss selling has not put paid to this as soon as it might have, had you gone with the SB route.

The SAR payment towards the debt will need dealing with, but it sounds like it could have been SB before any payment offer or account credit was made. Niddy needs to confirm this!

The contract was cancelled in November 2006 so it wouldn't have been SB when the offer was made in June 2011 even if the OP were in Scotland (which they aren't.)

[Never-In-Doubt]

Re: Three UK

Hiya, if you made the offer in 2011 then it'll affect SB as you've acknowledged the debt, haven't you? There's no escaping that really, however the DCA won't know about this and even if they do it's pretty easy to act daft and deny it ever occurred.

I would send the SB letter but edit a part to clearly state that the SAR fee from 2011 was the last credit to the account, which is a breach of debt collection guidelines and that you do not recognise that as being authorised by yourself to pay into the account.

you should be fine - they really don't wanna start court action or you'll be ripping them a new arsehole

ps If you need me, PM me

[sam]

Re: Three UK

I was hopping Niddy would take a look..

Thanks for the input though.

[SXGuy]

Re: Three UK

Hold up, i think i recall something about a debt being SB before an offer is made, can not reset it from being SB? or have i got that wrong?

I understand if you make an offer within the limitations period, then it resets the SB clock, but i believe if an offer is made AFTER limitations Act kicks in, it can not reset the clock?

Perhaps the argument thus far about miss selling has not put paid to this as soon as it might have, had you gone with the SB route.

The SAR payment towards the debt will need dealing with, but it sounds like it could have been SB before any payment offer or account credit was made. Niddy needs to confirm this!