Starting out

[Sosad]

Re: Starting out

Hiya,
Sorry Never in Doubt but I had already posted the letter that Scabhunter had kindly drafted for me ,( I would have opted for the more polite one !!!!) thanks for your input much appreciated and did make me chuckle .

Thanks Scabhunter for your draft that was much appreciated ,posted letter off yesterday

Take care
Sosad xx

[MrsD]

Re: Starting out

Away and fuck yourself you bunch of cowboys.....


Oh sorry, I notice you had SH help with a reply.... Take your pick, they both mean the same but one is more polite than the other...

classic

[Never-In-Doubt]

Re: Starting out

What would be the best way to respond to this ?

Away and fuck yourself you bunch of cowboys.....


Oh sorry, I notice you had SH help with a reply.... Take your pick, they both mean the same but one is more polite than the other...

[Sosad]

Re: Starting out

Thank you Scabhunter,

I will get that letter sent away as soon as ,I couldn't have put it any better ,you know how to deal with these people I'm learning very slowly.

Your right Diddlydee ,Scabhunter has a great sense of humour he also has patience which I'm grateful for

Take care
Sosadxx

[diddlydee]

Re: Starting out

What you would want to send, but shouldn't, is this -

“If 'RTFM' means 'read the manual', then 'RTFL' must mean 'read the letter'.

RTFL

Yours Faithfully....”

SH

I so love your humour

[ScabHunter]

Re: Starting out

I'd just send something like this -

“Dear Sirs,

I am in receipt of your letter dated xth January 2013, in which you state that you “require £1 payment to process my request for copy of agreement”. Note that I have made no such request.

It should be obvious from the content of my previous letter that a formal request pursuant to Section 78 of the Consumer Credit Act 1974 has already been forwarded to the original creditor, and has been received and acknowledged. I therefore have no reason to submit another one.

Yours Faithfully”

I would just leave it at that. Let them go back to your previous letter and actually try to read it this time. They will no doubt come back with “OK pal, if you've already made a request and received the documents, give us your money”, to which we'll reply “Sorry, guv, not enforceable”.

What you would want to send, but shouldn't, is this -

“If 'RTFM' means 'read the manual', then 'RTFL' must mean 'read the letter'.

RTFL

Yours Faithfully....”

SH

[Sosad]

Re: Starting out

Hi Scabhunter,
Thanks for your swift response ,and yes if you could write me up something that would be much appreciated
Sosad xx

[ScabHunter]

Re: Starting out

Received letter from CARS stating they require £1 payment to process my request for copy of agreement !!! What would be the best way to respond to this ?
Thanks
Sosad xx

Tell them that you have already made a request to the original creditor and have no intention of making another one.

Shall I draft something out for you?

SH

[Sosad]

Re: Starting out

Monument (credit card)

Start date 2001

balance £2466.

Last full payment 2009

April 12th ,cancelled dmp requested cca.
April 30th, received cca
May 9th e- mailed Niddy with my cca
Please let me know if you received this as I'm not sure if I have done this properly thanks

May 12th . Niddy has deemed this CCA unenforceable





June 12th Posted telephone harassment letter
August 9th Received letter saying they have looked at my complaint and judged try have not breached any acts ,also asking for a financial breakdown if I wish to stay on the repayment plan


January11th:: Received letter from C.A.R.S acting on instruction from monument they are commencing formal debt collection please pay balance if I ignore payment request they may take further action which includes potential litigation.

January 14th: Sent "sold in dispute" letter .

Received letter from CARS stating they require £1 payment to process my request for copy of agreement !!! What would be the best way to respond to this ?
Thanks
Sosad xx

[Sosad]

Re: Starting out

Thanks Scabhunter, it is the first i've heard from them regarding this account will send letter off today ,you did suggest this in a previous post but I think I've got a touch of OCD just wanted to make sure!!
Take care,
Sosad xx

[ScabHunter]

Re: Starting out

Hi ,
Received letter from Wescot acting for Sainsbury they are looking for the full balance I have to either pay the balance or contact them on given phone number. Will I now send letter in dispute?
Thank you
Sosad xx

Is this the first you have heard from them?

If so, that is what I would do.

Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

SH

[Sosad]

Re: Starting out

Hi ,
Received letter from Wescot acting for Sainsbury they are looking for the full balance I have to either pay the balance or contact them on given phone number. Will I now send letter in dispute?
Thank you
Sosad xx

[Sosad]

Re: Starting out

Thanks guys,
I really don't know what I'd do if I didn't have this site to turn to, your replies are very much appreciated I will post off " sold in dispute" letter asap .
Many thanks
Sosad xx

[Deepie]

Re: Starting out

I would send A/C sold in dispute to CARS and Crapquest. Wait until Wasteclot pollute your letterbox before you send the same thing.

(Posting on cell phone so cannot link)

SH

----> Account Sold whilst in Dispute

[The Tech Clerk]

Re: Starting out

Hi Tech Clerk,

I don't know what to respond with to cappquest would it be the "missing prescribed terms " letter or"account in dispute" letter ??
Thanks for your reply
Sosad x

As scabhunter states at this point but wait for moorpest to write.