Starting out

[925pws]

Re: Starting out

Hi SoSad

Hope it's going ok for you? I too have been getting those types of letters that when you first read them they really do sound scary. Like the last one I got that said they may start legal proceedings against me. When I got that one I cried and I felt sick. I then went for a cuppa, re-read the letter and noticed the word 'may'. That little word made all the difference to me and of course I got on here right away, sent the threat o gram letter as per the lovely people on here. That has shut them up for a little while longer.

Keep strong SoSad.

[ScabHunter]

Re: Starting out

"if you fail to comply we will not hesitate to utilise the legal system to it's full extent " , sounds threatening .

Sounds more like Dalek-speak than anything a human being would say. Who appointed them to a position of authority where they give orders you must “comply” with?

“Utilising the legal system to it's full extent” would mean prosecuting you for every crime which is on the statute books, which may be rather difficult as a) you haven't committed any crimes and b) they are not prosecutors and have no access to the criminal justice system.

Don't worry about the incoherent ramblings of insane deluded dreamers.

SH

[Sosad]

Re: Starting out

Hi Jon ,
When I requested cca from empire stores they never got back to me, that's why it's in dispute ,I do know not to buckle under threats but I'm still a coward !!! Just need reassurance ,thanks for your reply.
Sosad xx

[Sosad]

Re: Starting out

Thanks In 2Deep , I had an idea but I like to know Im doing the right thing from you guys, as you are the experts I'll get that letter off today again many thanks for your support
Sosad xx

[jon1965]

Re: Starting out

Sosad, That's what they do, make it sound threatening in the hope you will quake in your boots, roll over and pay. You however know different don't you.
I haven't reread your whole thread but I am assuming that the account is in dispute for some reason.

[Deepie]

Re: Starting out

Hi received a letter from Capquest they stated that empire stores have sold them my account and are looking for payments they have stated that "if you fail to comply we will not hesitate to utilise the legal system to it's full extent " , sounds threatening . Should I reply with account sold while in dispute letter? Any help will as always be gratefully received Sosad x

I would send this now if it were me --------> Account Sold whilst in Dispute

[Sosad]

Re: Starting out

Hi received a letter from Capquest they stated that empire stores have sold them my account and are looking for payments they have stated that "if you fail to comply we will not hesitate to utilise the legal system to it's full extent " , sounds threatening . Should I reply with account sold while in dispute letter? Any help will as always be gratefully received Sosad x

[Sosad]

Re: Starting out

Are they ? I really don't know Jon I've sent the letter In 2 Deep suggested , that way they can see I'm not ignoring them, they've been phoning me constantly I have ignored them but it does get a bit tiring being scared to answer the phone
Anyway I hope you are well Jon and battling on Take care xx

[jon1965]

Re: Starting out

Are collect direct and cabot the same?

[Sosad]

Re: Starting out

Thanks In 2 Deep ,as usual your on the ball ,I'll post that letter off to them today .take care x

[Deepie]

Re: Starting out

Haven't been on for a while as all was quiet I've now received a letter from collect direct stating I have defaulted and have 5 days to respond or legal action will be taken do I write back to them about not receiving my cca from them ? Any help will be appreciated xx

I Would send this if it were me----> Threat by Creditor - Threat-o-Gram Letter Before Action

[Sosad]

Re: Starting out

Citicard(credit card) now dealing with Cabot.
Taken out 2002/4


Balance £927


Date of last full payment 2009.

April 23rd, cancelled dmp payments and requested cca

May 9th received letter from Cabot stating it may take 40 days to provide me with CCA ,please make payments in the meantime
June15th received letter from Cabot stating they cannot find my CCA ,they say this does not mean I should not pay outstanding debt!!!

Haven't been on for a while as all was quiet I've now received a letter from collect direct stating I have defaulted and have 5 days to respond or legal action will be taken do I write back to them about not receiving my cca from them ? Any help will be appreciated xx

[Sosad]

Re: Starting out

Thanks for the quick response really appreciate your help in this ue journey.
Sosad xx

[Never-In-Doubt]

Re: Starting out

Received letter from monument stating they disagree that they were harassing mr ,also they are asking me to send a financial breakdown if I wish to stay on reduced payment plan . What would be my next seep with this company?

Ignore them for now, let us know next time they write....

[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

Received letter from monument stating they disagree that they were harassing mr ,also they are asking me to send a financial breakdown if I wish to stay on reduced payment plan . What would be my next seep with this company?