Riberaclass UE Diary

[Riberaclass]

Re: Riberaclass UE Diary

MBNA c/c 2

Received letter 'we are defaulting your account' & 'we may pass to DCA/apply for CCJ' etc.

Ignore??
Thanks RL

[Riberaclass]

Re: Riberaclass UE Diary

MBNA c/c 1

Received 'notice of sums in arrears' & default notice. 'We may pass this to collection agent/litigation etc'.

Ignore? Will they continuse to send these letters even though it's U/E??

Many thanks RL

[Never-In-Doubt]

Re: Riberaclass UE Diary

Lloyds CC no1.

Received letter from 'MHA Collections' saying if payment not made it will be passed to SCM (again!) & 'may' issue proceedings.

Anything to do?

regards RL

Ignore

[Never-In-Doubt]

Re: Riberaclass UE Diary

LLOYDS Current accounts

A/c No 1 - Letter from Lloyds 'Enforcement Notice' If payment not received we will pass to Sols to pursue through the courts. Anything to do?

A/C no 2 - Letter from Lloyds. 'We have not received payment depite a formal demand from SCM.' 'We are willing to suspend legal action for 10 days if you contact us'. Anything to do?

Many thanks RL

Merge both accounts into one letter and plural this letter (to account for both accounts): ---> Threat by Lender/D.C.A - To commence litigation

[Never-In-Doubt]

Re: Riberaclass UE Diary

Barclay cc - no 1.

Letter from 'Calder Financial'. Please contact us - we may consider a reduced repayment & legal action may commence. All in one sentence - continue to ignore?

RL

Ignore

[Never-In-Doubt]

Re: Riberaclass UE Diary

BARCLAYCARD no 2

Received letter from Mercers. Pay up or we will sell your account to a DCA??
Ignore?

regards RL

Yes ignore

[Never-In-Doubt]

Re: Riberaclass UE Diary

Saninsbury's CC.

Hi Nidd & All

Received letter from Albion Collections. Pay now or our client will commence legal proceedings or send round DCA to collect. Anything to do?

Send this: ---> Threat by Lender/D.C.A - To commence litigation

[Riberaclass]

Re: Riberaclass UE Diary

Lloyds CC no1.

Received letter from 'MHA Collections' saying if payment not made it will be passed to SCM (again!) & 'may' issue proceedings.

Anything to do?

regards RL

[Riberaclass]

Re: Riberaclass UE Diary

Hi Nidd - Why does all this rubbish arrive together? I think they save it up so it all arrives on a Sat! regards RL

[Riberaclass]

Re: Riberaclass UE Diary

LLOYDS Current accounts

A/c No 1 - Letter from Lloyds 'Enforcement Notice' If payment not received we will pass to Sols to pursue through the courts. Anything to do?

A/C no 2 - Letter from Lloyds. 'We have not received payment depite a formal demand from SCM.' 'We are willing to suspend legal action for 10 days if you contact us'. Anything to do?

Many thanks RL

[Riberaclass]

Re: Riberaclass UE Diary

Barclay cc - no 1.

Letter from 'Calder Financial'. Please contact us - we may consider a reduced repayment & legal action may commence. All in one sentence - continue to ignore?

RL

[Riberaclass]

Re: Riberaclass UE Diary

BARCLAYCARD no 2

Received letter from Mercers. Pay up or we will sell your account to a DCA??
Ignore?

regards RL

[Riberaclass]

Re: Riberaclass UE Diary

Saninsbury's CC.

Hi Nidd & All

Received letter from Albion Collections. Pay now or our client will commence legal proceedings or send round DCA to collect. Anything to do?

[Riberaclass]

Re: Riberaclass UE Diary

OOOO Nid - you are a wagg!! (In the old fashioned sense of the word) RLl

[Never-In-Doubt]

Re: Riberaclass UE Diary

Thanks Nidd - sorry to harrass you!!
RL

No harassment lol, if you did i'd be sending you this!

The OFT guidance clearly states what is and what is not acceptable. To reiterate, the OFT practices that I deem you to be continually breaching, amoungs others, include;

The unfair practices, carried out by you and your authorised agents are as follows:

2.2

f. Contacting debtors at unreasonable times
g. Ignoring or disregarding debtors' legitimate wishes in respect of when and where to contact them, for example, shift workers who ask not to be telephoned during certain times of the day

2.4

b. Falsely implying or stating that action can or will be taken when it legally cannot
e. Falsely implying or stating that failure to pay a debt is a criminal offence or that criminal proceedings will be brought

2.6

a. Contacting debtors at unreasonable times and at unreasonable intervals
c. Using more than one debt collection business at the same time resulting in repetitive and/or frequent contact by different parties
d. Not ensuring that an adequate history of the debt is passed on as appropriate resulting in repetitive and/or frequent contact by different parties
e. Not informing the debtor when their case has been passed on to a different debt collector
f. Pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so
g. Making threatening statements or gestures
h. Ignoring and /or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment

2.8

i. Failing to investigate and/or provide details as appropriate, when a debt is queried or disputed, possibly resulting in debtors being wrongly pursued
k. Not ceasing collection activity whilst investigating a reasonably queried or disputed debt

As you can clearly see from the above list, it is not one single thing you've messed up on here, it is a whole host of things. I have only bothered to quote the OFT Guidance - imagine when I start on the CCA1974 breaches & the Protection from Harassment Act breaches? Do you still think that you have the right to annoy me at your free-will? I certainly do not and fortunately for me, current UK law agrees.