Starting out

[Deepie]

Re: Starting out

Thanks Deepie,

I'll get that letter sent off asap
Sosad xx

No rush......

[ScabHunter]

Re: Starting out

No, Sharklaycard and MKDP are not the same company, and it is quite unusual for a Sharklaycard to be sold to outsiders this early in the game. It doesn't affect the strategy, though.

I wouldn't mind betting that the letter from Sharklaycard is a forgery, and that MKDP printed both of them. That is the way it is usually done with Notices of Assignment in this grotty industry.

If it was me, I would do it slightly differently, and wait for the first letter from MKDP before ending the SWID letter, but it doesn't really make any difference. If you send it now, at least they are aware of the dispute right from the outset.

Be prepared to receive a lot of silly letters, including ones which are extremely deceptive. We will be here to help you compose any responses should you need us.

SH

[Sosad]

Re: Starting out

Capital One (credit card) now dealing with Capquest.

Start date 2000/02ish

Balance £3907.
Last full payment 2009.

12 April. Cancelled DMP requested CCA from capital one

April 13th reply from capqest requiring signature.

23rd April. Sent " no signature required " letter to capital one

April 28th, Capquest returned my P.O. and advised me that they have

Returned account to Capital One and all corrospondece should be addressed to Capital One.


April 28th ,2nd letter, Capquest has sent my request to Capital One
also states "please note that a notice of assignment is not applicable as account has not been sold to us"

Do I now need to send p.o. to Capital One and request cca from them?

[COLOR="Red"]9th May. Sent capital one P.O. and letter requesting CCA[/

June 15th Emailed Capital One CCA agreement to Niddy

June19th Niddy deemed this CCA enforceable ,unfortunately willsend off missing pt letter

20th June. Sent missing prescribed terms letter to capital one

July 9th Received letterfrom cap one ( long winded!) emailed to Niddy he states it's usual letter ,I'll ignore
see what they send next.

January 10th. Received letter from Capquest stating they have been assigned the account and asking me to contact them with arrangements to pay

14th January. Sent " sold in dispute" letter to capquest

5th March. Received CCA ,statements etc. from capquest

[COLOR="Red"]22nd March. Sent " missing prescribed terms" letter to capquest[/


28th March. Received letter from capquest stating they have provided me with full documentation and account is enforceable


6th April. Received letter from capquest account is now being processed for legal action. Final offer from them is I pay £27.00 and they will credit the account with 33% of £27.00


8th April Sent SAR request to capital one
16th April. Sent " sold in dispute" letter to capquest

18thApril. Received huge load of documents from capital one in reply to my sar request .

Hiya,

Just received a letter from Capquest today , it was dated 14th May.
It states. " please be advised we are now in the process of making arrangements for our doorstop recovery agents scotcall ,to visit you due to your failure to make a repayment arrangement "

It goes on to state that if the agent can't get money they are to compile a report on my financial position.

They do say they are open to suggestions to how this account can be settled it goes on and on( ,I won't bore you) the thing is they wanted a reply by the 20th May

What would be my next best step???
Thank you
Sosad xx

[Deepie]

Re: Starting out

Hiya,

Just received a letter from Capquest today , it was dated 14th May.
It states. " please be advised we are now in the process of making arrangements for our doorstop recovery agents scotcall ,to visit you due to your failure to make a repayment arrangement "

It goes on to state that if the agent can't get money they are to compile a report on my financial position.

They do say they are open to suggestions to how this account can be settled it goes on and on( ,I won't bore you) the thing is they wanted a reply by the 20th May

What would be my next best step???
Thank you
Sosad xx

Up to you-----> Harassment & Threat of Doorstep-Visit

But I wouldn't waste my money because they wanted a reply by the 20th

[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 per month .I need to respond within 7 days

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 not received a reply to their previous correspondence ,they have.
given me 10 days to agree to repay full balance, if they don't receive a reply they will take further action
Ignore.


January 30th: Received letter from Wescot stating they are investigating my query, account on hold

May 18th. Received letter from wescot stating that their client ( sainsburys) has agreed that wescot can offer me a discount to settle account doesn't say how much !!! They also state" unless a suitable arrangement plan is reached within 10 days of the date
of this letter further recovery action will be taken

Hiya ,
Received a letter from wescot stating " as we know of no genuine reason why you have failed to pay the outstanding balance .instructions will now be provided to Credit Security a doorstep collection agency to make an appointment with you to visit your home address ,the purpose of this visit isto agree with you how you will repay this debt"

What would be my next best step ?
Thank you
Sosad xx

[ScabHunter]

Re: Starting out

Hiya ,
Received a letter from wescot stating " as we know of no genuine reason why you have failed to pay the outstanding balance .instructions will now be provided to Credit Security a doorstep collection agency to make an appointment with you to visit your home address ,the purpose of this visit is to agree with you how you will repay this debt"

What would be my next best step ?
Thank you
Sosad xx

I could easily write something to counter that, but the problem is that I only know the law as it applies to England and Wales. As I understand it, Scottish law does not have some of the protections which are found in English law. Perhaps if Mrs D, or one of the other Scottish posters, sees this, they may know more.

Remember, though, that they have no rights whatsoever in any country. They cannot enter your property, they cannot force you to talk to them, they can do nothing other than disappear. That is, if they turn up in the first place, which most don't.

SH

[Sosad]

Re: Starting out

Thanks Scabhunter it's good to know they have no rights ,saying that I'll probably get tongue tied trying to speak to them thats if as you say IF they turn up fingers crossed they won't
Sosadxx

[MrsD]

Re: Starting out

Sosad

Just don't open the door to anyone you don't know, mostly they don't turn up.

or you could send a one liner saying you have no wish to make an appointment with them and you will only deal in writing.

or if you have a nice big dog that fancies a bit of of leg of DCA...............

[ScabHunter]

Re: Starting out

You could always send them something like this, as it uses the OFT Guidance rather than the law as a deterrent -

"Dear Sirs,

I am in receipt of your letter dated xxth June 2013, and note its contents.

You state that you “know of no genuine reason why you have failed to pay the outstanding balance”. This is blatantly untrue, unless you have somehow failed to read my communication of 22nd January 2013. This letter outlines the nature of the dispute surrounding this alleged account, so I refer you back to it to carry out the diligence which the Office of Fair Trading Debt Collection Guidance requires.

The Guidance also states, in Section 3.13 (f), that “visiting or 'threatening' to visit a debtor, without his prior agreement, when the debt is deadlocked or reasonably queried or disputed” constitutes an unfair business practice. It also constitutes a total waste of your time and resources, as I will not under any circumstances communicate with anyone carrying out such aggravated behaviour, other than by ordering them to leave.

If any doorstep harassment is carried out contrary to these stipulations, a formal complaint will be forwarded to the Office of Fair Trading, and also through your own internal procedure. This may result in the case being escalated to the Financial Ombudsman Service, who will charge you a mediation fee.

Instead of sending out machine produced templates in an attempt to frighten people, I suggest you carry out your due diligence by responding to my communications, as required by the regulatory authorities.

Yours Faithfully,”

SH

[Deepie]

Re: Starting out

Sosad

Just don't open the door to anyone you don't know, mostly they don't turn up.

or you could send a one liner saying you have no wish to make an appointment with them and you will only deal in writing.

or if you have a nice big dog that fancies a bit of of leg of DCA...............

Option two.....

[Sosad]

Re: Starting out

Thank you MrsD, Scabhunter and Deepie

I will go with" option two"!!!!!
Scabhunter you're letter sounds good and I feel I have to reply to them to stop them appearing at my door ,I don't want to be scared every time my door knocks .thank you all so much for your replies .

Sosad xx

[ScabHunter]

Re: Starting out

Thank you MrsD, Scabhunter and Deepie

I will go with" option two"!!!!!
Scabhunter you're letter sounds good and I feel I have to reply to them to stop them appearing at my door ,I don't want to be scared every time my door knocks .thank you all so much for your replies .

Sosad xx

Don't be scared of anything whatever happens. If you do happen to open the door to one of these cretins, I think the best reply is to laugh, and then say "How much time and fuel have you wasted coming out here?"

That lets them know instantly that they won't be getting a payday. It is then just a matter of how much more time they want to waste before they waste more fuel going away again.

SH

[Enforcer]

Re: Starting out

Brilliant! I would have simply told them to P--S off.

[nightwatch]

Re: Starting out

I had a doorstep visit from Moronics, i told him to leave as I would not discuss personal business at the door, and he did. pussycat !!

[Sosad]

Re: Starting out

Thanks for the tips on how to deal with these doorstep collectors ,hopefully I won't need to use them .I've posted the letter that you made up for me Scabhunter ,very much appreciated.

I don't know where I would be without the help of all you lovely people
Thank you
Sosad xx