Three UK

[sam]

Re: Three UK

Thanks for the heads up..

[CleverClogs (RIP)]

Re: Three UK

Thanks for the heads up..

Up where?

[sam]

Re: Three UK

Its all the same firm lol. All they've done is walk across the hallway and ask a colleague to type you a threat from their solicitor to rent letterhead!

Stop stressing....

Send this: ---> Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation

Niddy it says
"Do you need me to point out that this account is formally in dispute with [ENTER LENDER/DCA NAME] and has been since they failed to acknowledge my Consumer Credit Agreement (CCA) Request, in line with s.78 of the Consumer Credit Act 1974 (CCA1974).|"

But as this was an over the phone thing I thought they didn't need a CCA or any signatures?

[Never-In-Doubt]

Re: Three UK

Niddy it says
"Do you need me to point out that this account is formally in dispute with [ENTER LENDER/DCA NAME] and has been since they failed to acknowledge my Consumer Credit Agreement (CCA) Request, in line with s.78 of the Consumer Credit Act 1974 (CCA1974).|"

But as this was an over the phone thing I thought they didn't need a CCA or any signatures?

Ok well take that line out....

Oh heck, just realised - this aint that bloody mobile phone carry on is it mate? If so do not send it, it's not relevant!

[sam]

Re: Three UK

Ok well take that line out....

Oh heck, just realised - this aint that bloody mobile phone carry on is it mate? If so do not send it, it's not relevant!

Yep it's that bloody Three mobile crap!
I offered £75 like we said but still they pass it to red and now Hamptons!!
Three Defaulted me on £96 now they and these DCA's state it's £400+
I've even got an old letter from 2008 from a different DCA offering me to pay the debt of at £73

[Never-In-Doubt]

Re: Three UK

Mate ignore it - they really cannot do anything, you've tried - just move on, forget it.

I really cannot see much else here other than a complaint about 3's conduct to the regulator. Try that! ---> Ofcom | Charges

If you still have a problem, just call our Advisory Team on:0300 123 3333 or 020 7981 3040

[sam]

Re: Three UK

OK Niddy will do..
So they can't CCJ me?

Oh and "Advisory Team" I like that... Awesome stuff Niddy.

Thanks again.

[Never-In-Doubt]

Re: Three UK

OK Niddy will do..
So they can't CCJ me?

Oh and "Advisory Team" I like that... Awesome stuff Niddy.

Thanks again.

if they try and ccj you we'll then defend it and that's what you want isn';t it? A chance to explain everything and your side of the story? if so then yea, we welcome ccj proceedings as then you get to tell everything to a judge and hope he sees through the bullshit and makes a sensible decision.....

Personally, I do not think they will go for a ccj - that'd be pure mad for the amount in question, plus you have proof of all your attempts to make settlement dont you? They keep ignoring you and re-selling the debt on, so it's impossible for you to actually resolve.

Not a good position, thus yea - let them try and ccj you - brilliant if they do

[sam]

Re: Three UK

New letter... Remember they said they wouldn't take an offer??
50% off now!!
Do I re offer my £75 again saying it's my final offer as that's what I was offered by a previous DCA when the debt was at the defaulted balance of £96

Or ignore?
If we go to court and pay some of it do I still get a CCJ?

[CleverClogs (RIP)]

Re: Three UK

How can one take seriously a company that sends a letter stating that, in the event of getting a CCJ against an alleged debtor, it might "take the money directly from you bank"?

Don't they have a profo reeder?

[CleverClogs (RIP)]

Re: Three UK

Have you complained yet as suggested in post #141? link

[Never-In-Doubt]

Re: Three UK

New letter... Remember they said they wouldn't take an offer??

yes......

50% off now!!

Do I re offer my £75 again saying it's my final offer as that's what I was offered by a previous DCA when the debt was at the defaulted balance of £96

Nope - however see below

Or ignore?

Yep - however see below

If we go to court and pay some of it do I still get a CCJ?

Nope, it'd never get to court! However, say for some freaky reason it did, and they did issue a claim then your options are;

a) Defend the whole claim and counterclaim costs

or

b) Make an offer to settle prior to court (direct with the solicitor/dca)

or

c) Pay the ccj within 28 days and all trace gets removed as if it never happened

You need to decide which of the above 3 options best suit you - only you know the answer to this. So, please tell us what is your chosen route then we'll be able to advise on what to do next!

[Never-In-Doubt]

Re: Three UK

Have you complained yet as suggested in post #141? link

quite, this was very important and needs addressing asap.

[sam]

Re: Three UK

Have you complained yet as suggested in post #141? link

I had complained to the ICO but have now complained to OFCOM and the Financial Ombudsman ADR.

[sam]

Re: Three UK

yes......



Nope - however see below

Yep - however see below

Nope, it'd never get to court! However, say for some freaky reason it did, and they did issue a claim then your options are;

a) Defend the whole claim and counterclaim costs

or

b) Make an offer to settle prior to court (direct with the solicitor/dca)

or

c) Pay the ccj within 28 days and all trace gets removed as if it never happened

You need to decide which of the above 3 options best suit you - only you know the answer to this. So, please tell us what is your chosen route then we'll be able to advise on what to do next!

I don't want a CCJ and I'm not paying what they want as I was told it was a pay as you go..
So defend it is...