Starting out

[Pickle]

Re: Starting out

I've spent far too long hiding behind a closed door, sometimes neglecting to maintain my front garden in case an unwelcome visitor decided to pay a visit. In the six years since my financial woes started I've not had one unwelcome visitor and I feel like a complete twat for all the times I jumped when someone knocked on my door.

The new and empowered me opens the door to whoever knocks, but just in case I should ever be taken off guard I keep a printed card handy along the lines of:

Debt Collector Visit

• 1) Ask the visitor to stand on the pavement, not on your land, while you stand within the boundary of your land.
  2) Ask to see ID and take note of the debt collector’s name, the organisation he is working for and any additional identity numbers etc.
  If there is no official form of ID or the debt collector will not allow you to take notes from the ID terminate the visit immediately with:
  
  "I do not want you to be here. Please leave."
  Repeat this in response to any statement or question put to you by the debt collector.
  3) If you wish to terminate the visit tell the debt collector that the visit is over then walk away or go into your home and close the door. You are not obliged to give reasons or to say anything other than that the visit is ended and that you want the debt collector to leave:
  
  "Please leave now."
  4) If the debt collector does not leave then inform him that you will call the police. (If you do not believe that you will call the police then do not make this threat. You will lose all of your authority and the debt collector will dominate the meeting from that point onwards).

Call police on 101 or Your Town Police Station 01?? ??????

Explain to the police that you are being harassed by a man/woman who has visited you and who refuses to leave your property. Once again, keep calm but if you are frightened, then tell the police that you are frightened and that you believe that you need help.
If the debt collector leaves before the arrival of the police call them and cancel the call-out.


I've printed mine on a small (A5) sheet of card but these days I'm probably more likely to go with ScabHunter's laugh or just condense my card down to “Please leave”. What I'm trying to say is don’t be afraid in your own home or be intimidated by bullies.

[Sosad]

Re: Starting out

[QUOTE=Sosad;182778]Bank of Scotland credit card) now dealing with Blair Oliver and Scott.
taken out 2002/4ish
Balance £3148

date last paid full payment 2009.

April 23rd cancelled dmp payment and requested cca.

May 8th received CCA from Blair Oliver& Scott will email to Niddy.

May 11th received letter from b.o &s requiring immediate payment

May 15th Niddy has deemed this CCA Unenforceable

May 16th received CCA from HBoS

May 17th emailed it to Niddy

May 25th Niddy has deemed this one enforceable ,never mind can't win them all


May 29th Received letter saying p

May29th Sent missing prescribed terms letter.

June13th Received letter from Blair ,Oliver &scott stating to contact them within five days ,threats are door to door collectors and. Court action to seek a judgement against me

June 29th Received notice of intended court action from BOS stating papers are now being prepared for commencement of action through my local court to seek a judgement against me

July 3rd Sent threat to commence litigation letter

July 20th Received letter from bank of Scotland stating my account has been passed on to Apex Credit Management ,in same
envelope Apex letter asking me to contact them to make arrangements to pay as soon as possible

August 6th Sent Apex "telephone harassment " letter and "account in dispute", saved a few pennies

August 9th Received from apex saying they will investigate my complaint


October 23rd. Received letter from Wescot stating they have been instructed to collect balance to avoid further action I must pay full amount or telephone them

October 24th. Sent account sold while in depute letter

December4th Sent missing prescribed terms letter

December 8th Received letter from Nelson Guest &Partners as a final attempt to avoid further action they are prepared to offer a discount

Ignored.


May 11th. Received letter from wescot stating they have been advised by barclaycard that all relevant documentation has been provided to me they believe the dispute is resolved and I skould pay in full or make arrangements to pay monthly.

[COLOR="black"]May 17th. Sent Final Response - UE letter to Wescot[/

May 31st. Received letter from wescot stating " we acknowledge the query raised and would like to confirm how this will be investigated etc .


June 19th. Received letter from bank of Scotland stating that they have transferred this account to a debt collection agency Robinson Way.






Hiya,
Received letter from Robinson Way stating they will be in touch with me to discuss repayment details should I send " sold in dispute" letter to them
Thank you
Sosad xx

[Deepie]

Re: Starting out

[QUOTE=Sosad;326170]

Bank of Scotland credit card) now dealing with Blair Oliver and Scott.
taken out 2002/4ish
Balance £3148

date last paid full payment 2009.

April 23rd cancelled dmp payment and requested cca.

May 8th received CCA from Blair Oliver& Scott will email to Niddy.

May 11th received letter from b.o &s requiring immediate payment

May 15th Niddy has deemed this CCA Unenforceable

May 16th received CCA from HBoS

May 17th emailed it to Niddy

May 25th Niddy has deemed this one enforceable ,never mind can't win them all


May 29th Received letter saying p

May29th Sent missing prescribed terms letter.

June13th Received letter from Blair ,Oliver &scott stating to contact them within five days ,threats are door to door collectors and. Court action to seek a judgement against me

June 29th Received notice of intended court action from BOS stating papers are now being prepared for commencement of action through my local court to seek a judgement against me

July 3rd Sent threat to commence litigation letter

July 20th Received letter from bank of Scotland stating my account has been passed on to Apex Credit Management ,in same
envelope Apex letter asking me to contact them to make arrangements to pay as soon as possible

August 6th Sent Apex "telephone harassment " letter and "account in dispute", saved a few pennies

August 9th Received from apex saying they will investigate my complaint


October 23rd. Received letter from Wescot stating they have been instructed to collect balance to avoid further action I must pay full amount or telephone them

October 24th. Sent account sold while in depute letter

December4th Sent missing prescribed terms letter

December 8th Received letter from Nelson Guest &Partners as a final attempt to avoid further action they are prepared to offer a discount

Ignored.


May 11th. Received letter from wescot stating they have been advised by barclaycard that all relevant documentation has been provided to me they believe the dispute is resolved and I skould pay in full or make arrangements to pay monthly.

[COLOR="black"]May 17th. Sent Final Response - UE letter to Wescot[/

May 31st. Received letter from wescot stating " we acknowledge the query raised and would like to confirm how this will be investigated etc .


June 19th. Received letter from bank of Scotland stating that they have transferred this account to a debt collection agency Robinson Way.






Hiya,
Received letter from Robinson Way stating they will be in touch with me to discuss repayment details should I send " sold in dispute" letter to them
Thank you
Sosad xx

Bit confused at the top you say Bank of Scotland....

Then further down Barclaycard is mentioned.....

[Sosad]

Re: Starting out

Hi Deepie,
Sorry for the confusion it is the Bank of Scotland checked through my folders must have been having a stressful day thanks for pointing it out I will edit
Sosad xx

[Deepie]

Re: Starting out

[QUOTE=Sosad;326170]

Hiya,
Received letter from Robinson Way stating they will be in touch with me to discuss repayment details should I send " sold in dispute" letter to them
Thank you
Sosad xx

That's what I would send.....

[QUOTE=Deepie;326173]

Bit confused at the top you say Bank of Scotland....

Then further down Barclaycard is mentioned.....

Hi Deepie,
Sorry for the confusion it is the Bank of Scotland checked through my folders must have been having a stressful day thanks for pointing it out I will edit
Sosad xx

[Sosad]

Re: Starting out

Thank you Deepie,
I kinda thought that would be the letter but still not brave enough to post off without the reassurance from you guys will post letter off tomorrow as they are bombarding me with phone calls.

Sosad xx

[Deepie]

Re: Starting out

Thank you Deepie,
I kinda thought that would be the letter but still not brave enough to post off without the reassurance from you guys will post letter off tomorrow as they are bombarding me with phone calls.

Sosad xx

Add this as well ------> Harassment by Telephone

[Sosad]

Re: Starting out

Thanks for that Deepie,
I'll add the "telephone harassment letter" in save a bit on postage
Thank you
Sosad xx

[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

May 16th: Received letter from sainsburys stating that they are unable to" trace the reconstituted version of the executed agreement and therefore are not in the position to provide a copy at his time' however we did provide a copy of the signed agreement form with current terms and conditions .We are satisfied the terms and conditions of the agreement were on the reverse of the application form , therefore you had sight of these details when you signed and accepted terms ".


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
I
June 28yh Received letter from sainsburys stating they have transferred sainsburys debt to Moorcroft

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 2nd July, 2012.

July 19th. Received letter from moorcroft stating "follow -up action will be suspended on your account and we will endeavour to provide you with an appropriate response"

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 8th 2013: Received letter from Sainsburys stating they have transferred account to Wescot.

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

June 17th. Received letter from wescot stating they are arranging a doorstep collector to come to my door and discuss payments towards this account.

June 19th. Sent letter that Scabhunter very kindly " composed" for me, stating that I do not wish to talk to doorstep collectors

Hiya,
Just received a response back from Wescot it's a bit long winded but the gist of it is they believe they have not " harassed" me they are acting on information passed to them from sainsburys

Wescot outlined all correspondence between them ,sainsburys and myself they do apologise for sending out a system generated letter whilst the account was still on hold ,but there is no evidence to suggest the level of contact was excessive .They state they "do believe they have fully addressed the concerns I have raised and if I require further assistance do not hesitate to contact them".

They go on to state that if they don't hear from me they will consider the matter closed ,I have six months to respond." If I'm not happy with this Final Responsen please contact them again before considering a referral to F.O.S in order that we can address any outstanding concerns"

They also enclosed a letter from sainsburys dated 16/05/2012 ?

How would I respond to this letter or should I ignore and see what they send next?
Thank you
Sosad xx

[Deepie]

Re: Starting out

Hiya,
Just received a response back from Wescot it's a bit long winded but the gist of it is they believe they have not " harassed" me they are acting on information passed to them from sainsburys

Wescot outlined all correspondence between them ,sainsburys and myself they do apologise for sending out a system generated letter whilst the account was still on hold ,but there is no evidence to suggest the level of contact was excessive .They state they "do believe they have fully addressed the concerns I have raised and if I require further assistance do not hesitate to contact them".

They go on to state that if they don't hear from me they will consider the matter closed ,I have six months to respond." If I'm not happy with this Final Responsen please contact them again before considering a referral to F.O.S in order that we can address any outstanding concerns"

They also enclosed a letter from sainsburys dated 16/05/2012 ?

How would I respond to this letter or should I ignore and see what they send next?
Thank you
Sosad xx

Well that letter did the trick....

I'd just see what they do next if it were me....

[Sosad]

Re: Starting out

Hiya Deepie,


Thanks for your reply I wasn't sure how to respond to this letter I will wait and see what they send next . The letter Scabhunter composed for me seems to have frightened them !!!

Thank you
Sosad xx

[Sosad]

Re: Starting out

Bank of Scotland credit card) now dealing with Blair Oliver and Scott.
taken out 2002/4ish
Balance £3148

date last paid full payment 2009.

April 23rd cancelled dmp payment and requested cca.

May 8th received CCA from Blair Oliver& Scott will email to Niddy.

May 11th received letter from b.o &s requiring immediate payment

May 15th Niddy has deemed this CCA Unenforceable

May 16th received CCA from HBoS

May 17th emailed it to Niddy

May 25th Niddy has deemed this one enforceable ,never mind can't win them all

May 29th Received letter saying p

May29th Sent missing prescribed terms letter.

June13th Received letter from Blair ,Oliver &scott stating to contact them within five days ,threats are door to door collectors and. Court action to seek a judgement against me

June 29th Received notice of intended court action from BOS stating papers are now being prepared for commencement of action through my local court to seek a judgement against me

July 3rd Sent threat to commence litigation letter

July 20th Received letter from bank of Scotland stating my account has been passed on to Apex Credit Management ,in same
envelope Apex letter asking me to contact them to make arrangements to pay as soon as possible

August 6th Sent Apex "telephone harassment " letter and "account in dispute", saved a few pennies

August 9th Received from apex saying they will investigate my complaint

October 23rd. Received letter from Wescot stating they have been instructed to collect balance to avoid further action I must pay full amount or telephone them

October 24th. Sent account sold while in depute letter

December4th Sent missing prescribed terms letter

December 8th Received letter from Nelson Guest &Partners as a final attempt to avoid further action they are prepared to offer a discount

Ignored.

May 11th. Received letter from wescot stating they have been advised by Bank of Scotland that all relevant documentation has been provided to me they believe the dispute is resolved and I should pay in full or make arrangements to pay monthly.

[COLOR="black"]May 17th. Sent Final Response - UE letter to Wescot[/

May 31st. Received letter from wescot stating " we acknowledge the query raised and would like to confirm how this will be investigated etc .

June 19th. Received letter from bank of Scotland stating that they have transferred this account to a debt collection agency Robinson way

June 20th. Received letter from Robinson Way stating they will be in touch to discuss repayment options

July 3rd: Sent " sold in dispute" letter

Hiya,
Received letter from Robinson Way stating " as the account remains unpaid, despite previous letters and calls the account is due to be passed to our solicitors ,drydensfairfax in the next ten 10 days" .

They have asked me to contact them ,they didn't acknowledge my letter of dispute to them ,what would be my next best step or should I ignore until hey pass it on ?

Thank you
Sosadxx

[MrsD]

Re: Starting out

I would send a one liner first class pointing out that they have ignored your letter of whatever date.

record it to the eejits

[Sosad]

Re: Starting out

Thank you MrD
I will post it off tomorrow ,your advice as always much appreciated

Sosad xx

[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
May16th. Received letter from Sainsburys stating" we are unable to trace the reconstituted version of the executed agreement and
Are therefore not in a position to provide a copy at this time. However ,we did provide a copy of the signed application
form and current terms and conditions . We are satisfied the terms and conditions of the agreement were on the reverse
of the application form ,therefore you had sight of these details when you signed and accepted the terms".

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
I
June 28yh Received letter from sainsburys stating they have transferred sainsburys debt to Moorcroft

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 2nd July, 2012.

July 19th. Received letter from moorcroft stating "follow -up action will be suspended on your account and we will endeavour to provide you with an appropriate response"

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 8th 2013: Received letter from Sainsburys stating they have transferred account to Wescot.

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

June 17th. Received letter from wescot stating they are arranging a doorstep collector to come to my door and discuss payments
Towards this account
June 19th. Sent letter that Scabhunter very kindly " composed" for me, stating that I do not wish to talk to doorstep collectors

Hiya,
Received letter from Wescot today regarding this account they have sent me Sainsburys application form, terms and conditions , then go on to state that payment is now required what would be my next best step?
Thanking you in advance for any suggestions.
Sosad xx