spent2much UE diary

[Spent2much]

Re: spent2much UE diary

To do that they would first need to obtain some minds to make up.



OK. I'll do it for you. WMD, you are "immediately".



Looks like time for a harassment and threat of doorstep visit template. Are they harassing you by telephone? If not, you'll need to amend the start slightly.

Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit

SH

It seems these cretins have already had a doorstep visit threat sent and still choose to harrass, do i just re send one again ?

[ScabHunter]

Re: spent2much UE diary

It seems these cretins have already had a doorstep visit threat sent and still choose to harass, do I just re send one again ?

This is the follow up to the doorstep threat template -

Our Templates | Harassment & Intimidation Templates | Harassment Follow-Up & Threat of Injunctive Relief

although you will need to amend the start if no-one has yet polluted your doorstep.

You could just resend the original and include a note saying that you sent this before but it doesn't appear to have been read. That keeps the follow up in reserve.

If it was me, I would decide what to do based on just how threatening the letter was. If there was a definite threat of a doorstep pollution despite you sending the template, I'd send the follow up. If the letter only mentioned it as one of several remote possibilities, I'd just remind them of the original letter and keep the follow up in reserve.

SH

[Spent2much]

Re: spent2much UE diary

This is the follow up to the doorstep threat template -

Our Templates | Harassment & Intimidation Templates | Harassment Follow-Up & Threat of Injunctive Relief

although you will need to amend the start if no-one has yet polluted your doorstep.

You could just resend the original and include a note saying that you sent this before but it doesn't appear to have been read. That keeps the follow up in reserve.

If it was me, I would decide what to do based on just how threatening the letter was. If there was a definite threat of a doorstep pollution despite you sending the template, I'd send the follow up. If the letter only mentioned it as one of several remote possibilities, I'd just remind them of the original letter and keep the follow up in reserve.

SH

The letter says this.

We previously contacted you regarding this debt and received no response.
We are therefore in the process of instructing our agents to visit you at your address to collect payment of the outstanding balance.
To stop this action you must call us immediately.

[ScabHunter]

Re: spent2much UE diary

The letter says this.

We previously contacted you regarding this debt and received no response.
We are therefore in the process of instructing our agents to visit you at your address to collect payment of the outstanding balance.
To stop this action you must call us immediately.

I think we actually need another template to go in between the initial doorstep letter and the one for follow up and injunctive relief. The whole of the first paragraph of the injunctive relief letter needs to be completely rewritten if they haven't yet polluted your doorstep.

Here is something I've just cobbled together quickly off the top of my head. Much of it is just a repeat of the previous letter, but the start emphasises that you have already told them of your position. This is the sort of thing I would send -

"I am in receipt of your letter dated xx/xx/xxxx.

I refer you to my previous letter of xx/xx/xxxx, in which I informed you that I would only communicate in writing.

Pleased be advised once again that I will ONLY communicate with you in writing. Sending a 'representative' to attempt to 'discuss things' will represent a total waste of your time and resources, and will be entirely futile as I will not under any circumstances engage them in dialogue.

I inform you once again that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you.

There is an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

Yours faithfully,"

SH

[Spent2much]

Re: spent2much UE diary

I think we actually need another template to go in between the initial doorstep letter and the one for follow up and injunctive relief. The whole of the first paragraph of the injunctive relief letter needs to be completely rewritten if they haven't yet polluted your doorstep.

Here is something I've just cobbled together quickly off the top of my head. Much of it is just a repeat of the previous letter, but the start emphasises that you have already told them of your position. This is the sort of thing I would send -

"I am in receipt of your letter dated xx/xx/xxxx.

I refer you to my previous letter of xx/xx/xxxx, in which I informed you that I would only communicate in writing.

Pleased be advised once again that I will ONLY communicate with you in writing. Sending a 'representative' to attempt to 'discuss things' will represent a total waste of your time and resources, and will be entirely futile as I will not under any circumstances engage them in dialogue.

I inform you once again that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you.

There is an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

Yours faithfully,"

SH

Thank you very much

Also iQor wrote on the 29th November/i received 3rd dec saying that on checking their records they find that this has been closed on our files and returned to their client for their control and management.
Please not your fee enclosed un-cashed.
Please contact our client direct regarding any queries you may have quoting the client reference number above.

[Spent2much]

Re: spent2much UE diary

Thank you very much

Also iQor wrote on the 29th November/i received 3rd dec saying that on checking their records they find that this has been closed on our files and returned to their client for their control and management.
Please not your fee enclosed un-cashed.
Please contact our client direct regarding any queries you may have quoting the client reference number above.

Do I send the account sold while in dispute letter to iQor or West Midlands Debt Collections Ltd along with the doorstep harrassment letter please and thank you as i am going to post these in a moment .

[ScabHunter]

Re: spent2much UE diary

Do I send the account sold while in dispute letter to iQor or West Midlands Debt Collections Ltd along with the doorstep harrassment letter please and thank you as i am going to post these in a moment .

Nothing needs to be sent to iQor if they have stated that the account is closed on their systems. If WMD have already had the account sold while in dispute letter, they don't need to have it again.

SH

[Pixie]

Re: spent2much UE diary

Thank you very much

Also iQor wrote on the 29th November/i received 3rd dec saying that on checking their records they find that this has been closed on our files and returned to their client for their control and management.
Please not your fee enclosed un-cashed.
Please contact our client direct regarding any queries you may have quoting the client reference number above.

Do I send the account sold while in dispute letter to iQor or West Midlands Debt Collections Ltd along with the doorstep harrassment letter please and thank you as i am going to post these in a moment .

Not read through everything but, as iQor have returned the account to their client, I don't understand why you are writing to them. I think I would just see what arrives next.

[Pixie]

Re: spent2much UE diary

Snap SH!

[Spent2much]

Re: spent2much UE diary

Nothing needs to be sent to iQor if they have stated that the account is closed on their systems. If WMD have already had the account sold while in dispute letter, they don't need to have it again.

SH

ok thank you

[lookingforward]

Re: spent2much UE diary

Nothing needs to be sent to iQor if they have stated that the account is closed on their systems. If WMD have already had the account sold while in dispute letter, they don't need to have it again.

SH

Ooh Weapons of Mass Destruction or more aptly

Make Demands

[vint1954]

Re: spent2much UE diary

Not read through everything but, as iQor have returned the account to their client, I don't understand why you are writing to them. I think I would just see what arrives next.

Fully agree Pixie. No need to waste paper.

[Spent2much]

Re: spent2much UE diary

Not read through everything but, as iQor have returned the account to their client, I don't understand why you are writing to them. I think I would just see what arrives next.

I think it was suggested earlier ,but i get so confused i don't know if i am coming or going

[ScabHunter]

Re: spent2much UE diary

I think it was suggested earlier ,but i get so confused i don't know if i am coming or going

You're certainly heading in the right direction. You've got a lot to deal with, but look where you are now and where you were at the start.

It is never going to be a quick or smooth road to handle a debt crisis, but you're getting there step by step.

The postie shouldn't come before 7am, so have a relax for a bit.

SH

[Spent2much]

Re: spent2much UE diary

Type of account (store card ) Argos
mine
Date commenced (2004)

Approx balance (£880)

Date last paid (22 June 2012)

Are you on arrangement or not paying (was on dmp now stopped paying)

Status (default/cca being sent )

Account owner (moorcroft)
9/7/12 cca request
13/7/12
letter recieved today, all collection activity on this account has been put on hold and they will not seek to enforce payment of this debt until such time as the documentation has been supplied or i am advised otherwise .

I decided to scan the letter from Moorcroft to see if you all think this is the normal reply from them .

received 8/11/2012

8 pages of a reconstituted

It's just about Argos card and tells me about statements and financial and related details

example : 8 we will set the credit limit for your account and tell you what it is when we send you your Argos card.

_______________________

shall i copy the first page and send it to Niddy to make sure ?




08/12/12
Had another cca sent which is still just terms and conditions i have sent it to Niddy see what he says.

It's still unenforceable , shall i wait and see what they do next as they have already had a missing pt's letter ?

update

13/12/12

Moorcroft
Our records show that we have not received a payment from you since 13/07/12.

We must therefore ask you to make an immediate payment to us or contact this office within the next 48 hours.

Unless payment of this amount is received in the next 7 days we may recommend to our client that further debt recovery action be taken against you without further notice.

Neither we nor our client wish to take this step and if you call us on the above number we would be happy to agree a repayment plan that you can afford and maintain.
Any payment may be attached to this letter and made payable to ''Moorcroft Debt Recovery Ltd''.
Alternatively please see contact details below.