Starting out

[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

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

[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

[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

[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...

[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

[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

[diddlydee]

Re: Starting out

A little combination of Niddys well thought out and eloquent passage with the addition of SH's final paragraph would have been my choice, but then, I'm not known for being tactful OR for being ladylike

[The Tech Clerk]

Re: Starting out

A little combination of Niddys well thought out and eloquent passage with the addition of SH's final paragraph would have been my choice, but then, I'm not known for being tactful OR for being ladylike

Um!!! oopppssss

[jon1965]

Re: Starting out

Nah just a
Dear Sir
GFY

[Sosad]

Re: Starting out

Sainsburys (credit card) now dealing with blair oliver and Scott.
Taken out 2001

Balance £4537
Last full payment 2009.

April 23rd ,cancelled dmp payments and requested cca.

May 5th received cca
May 9th E-Mailed my CCA to N iddy be grateful if you would let me know if you receive this
Niddy says unenforceable, I'm really happy about this


May 11th Posted letter as advised by Niddy Re ;missing prescribed terms.
May 11th received letter from B. O.&S requesting immediate pay
May29th Received letter saying pay up or else
June 11th, received letter stating formal notice given that they are preparing papers to commence action at my local court to seek a judgement against me
June12th Posted threat-o-gram before action letter away




June25th Received reply back from sainsburys more or less stating we will no longer enter into any other correspondence

June 28yh Received letter from sainsburys stating they have transferred sainsburys debt to
July 2nd. Received letter from moor croft to prevent recommending our client to take further action pay full amount before 7/7/12
July 3rd Sent account sold in dispute letter
July 9th Received letter requesting PO to process my request foy CCA agreement

July 11th Posted one liner letter to moor croft regarding " my cca request" ( which was actually the sold in dispute letter !!) informed
them to take a look at my letter dated 3rd July



December 11th received letter from Moorcroft stating to prevent further action send payment proposal to them


December 14th Sent letter stating to look at letter I posted to them on the 3/7/12 also sent a copy of said letter

December 22nd December ; Received letter stating in order to stop our recommending our clients that further debt recovery action be
taken we can confirm we are prepared to accept a sensible monthly repayment plan an example of what we would consider would be £120.00 per month. I need to respond in 7 days ( oops!!!)

December 29th. ; Received a reply from Moorcroft to my letter dated 14th December ."in order to carry out your request for CCA you
must provide us with a £1.00 fee!!!". I sent them " account sold in dispute" letter


January 17th: Received letter from Wescot acting for Sainsbury looking for payment of balance

January 22nd: Sent "sold in dispute " letter to Wescot

January 26th: Received letter from wescot stating they have now confirmed I am still resident at this address !!!!! (doesn't make sense) but we have not received a reply to our previous correspondence .

If I don't reply within thenext ten days they will proceed with further collection activity . I did write to them do I presume that our letters have crossed in the post and ignore or send another letter to them?
Thanks
Sosadxx

[ScabHunter]

Re: Starting out

January 26th: Received letter from wescot stating they have now confirmed I am still resident at this address !!!!! (doesn't make sense) but we have not received a reply to our previous correspondence .

If I don't reply within thenext ten days they will proceed with further collection activity . I did write to them do I presume that our letters have crossed in the post and ignore or send another letter to them?
Thanks
Sosadxx

If it was me I would ignore. If you only received this on the 26th, it has almost certainly crossed in the post with the one you posted on the 22nd. DCA post tends to arrive slowly, for more than one reason. They use cheap services, and they are also fond of using a dishonest technique where they give the recipient a deadline knowing that the letter will arrive too late for them to respond in time.

It is just another routine threat. What does "further activity" mean, anyway? I'd just leave it to see what comes next.

SH

[Sosad]

Re: Starting out

Thanks Scabhunter,
I didn't get too stressed with this one (Is that a good sign??) I did think the letters got crossed in post, I just needed confirmation from people in the know .
Take care
Sosadxx


Ps. Well done on becoming a moderator xx

[SaltnVinegar]

Re: Starting out

January 26th: Received letter from wescot stating they have now confirmed I am still resident at this address !!!!! (doesn't make sense) but we have not received a reply to our previous correspondence .

Its just bullshit weasel words intended to frighten you that they have been 'investigating' you. Think about it. Confirmed with who? They could have confirmed it with my dog for all you know

If I don't reply within thenext ten days they will proceed with further collection activity . I did write to them do I presume that our letters have crossed in the post and ignore or send another letter to them?
Thanks
Sosadxx

Further collection activity - aka send another letter

Letters definitely crossed in the post. Wait for a response to your 'sold in dispute' letter. If you send them too much correspondence you will overheat their braincells

[Sosad]

Re: Starting out

Thanks for your post SaltnVinegar,
Now that you've pointed things out to me it I can see how unprofessional the letter looks ,perhaps their brain cells are already overheated!!!
Take care
Sosad xx