rosey5464 UE Diary

[rosey5464]

Re: rosey5464 UE Diary

2nd October 2014 - letter from Opus saying "The copy agreement does not include the signature box, signature or date of signature in accordance with Regulation 3(2)(b)(ii) of Consumer Credit regulations 1983; as permitted by these regulations we are not required to provide them" "we regret to advise you that although we have attempted to locate your original document, to date we have not been successful. We shall continue to search our records blah blah. As we have confirmed that you have received the credit facility in relation to this agreement you remain liable for this debt"

Ok so nothing to enforce then, to minimise harm to my credit record (LOL) as this is not in default yet any opinions on whether to write back and say something like "until you can supply me with a properly executed agreement you do not have an enforceable contract, nevertheless I am prepared to offer you a F&F settlement @ 10% (or some acceptable nominal number) if accepted within 30 days

Thoughts welcome

Cheers

Rosey

[rosey5464]

Re: rosey5464 UE Diary

Telephone numbers? - do we have dummy alternate number for home/mobile/work I can feed them before they embark on the hassle calls?

Cheers

Rosey

[Undercover Elsa]

Re: rosey5464 UE Diary

Hi Rosey ...free number to give them is here: http://forums.all-about-debt.co.uk/s...ssue-Creditors
Might be worth a try on F&F but I wouldn't do anything till you've run it by Niddy. The wording is crucial.
Elsa x

[rosey5464]

Re: rosey5464 UE Diary

Brilliant, thanks Elsa

[rosey5464]

Re: rosey5464 UE Diary

Ok so the £9k with Natwest they can't find agreement but would like me to pay (now 2 months in arrears) hmmmmm and they ask for an acceptable repayment offer

Well sort of inclined to:-

1) Ignore
2) Offer a small sum in F&F

Thoughts anyone?

Cheers

Rosey

[SXGuy]

Re: rosey5464 UE Diary

well, to give you an idea, two of mine, over 10k each, both cant find an agreement. No hassles, no threats, no letters asking for payments for nearly a year now.

No default either.

They still send statements, and the min payment increases with each missed payment, but thats it.

If it were me, id ignore, dont pay anything, wait 6 years then get them to issue a back dated default notice so it drops off your credit file.

[rosey5464]

Re: rosey5464 UE Diary

Thanks SXGuy - sounds like a plan!

Cheers

Rosey

[rosey5464]

Re: rosey5464 UE Diary

Opus have sent me a default notice now saying I am in breach of the agreement but since they cannot supply copy of original agreement do I query or ignore?

Ive also been receiving about 4 or 5 calls a day - mostly ignored. When i do answer I decline to give them my security info and have had a discussion several times along the lines of
Me:"I'm not discussing this over the phone"
OPUS: "But we must speak with you over the phone"
Me: "I'm not prepared to discuss over the phone, write to me"
OPUS: "We have written"
Me: "But you write saying to phone you and Im not discussing over phone"

Etc a bit tedious but there you go.

My friends at Natwest entirely quiet and nothing formal from them yet

Cheers

Rosey

[Enforcer]

Re: rosey5464 UE Diary

Yes, exactly so! You are doing the right thing, carry on. Follow the advice on this forum and you will not go wrong.

[SXGuy]

Re: rosey5464 UE Diary

Send them the telephone harrasment letter, if you wish, or block their number if you can, but the main thing is, they cannot enforce, they will go away given time. Well done.

[rosey5464]

Re: rosey5464 UE Diary

Have sent the following to OPUS today>

"I am being harassed by calls many times a day and when I do speak I tell them over and over that I am not prepared to discuss the account over the phone. Yet the harassment continues.

Please confirm within 7 days that you have deleted records of all my phone numbers from your system and that no further calls will be made otherwise I will report you to the regulators for this continued harassment.

I also withdraw any permission you may think you have to pass my numbers to any other third party – breach of this will be reported to the data protection authorities.
Many thanks"

lets see where this goes

Cheers

Rosey

[Pixie]

Re: rosey5464 UE Diary

For future reference Rosey we have a telephone harassment letter in the Template Letters section (tab at top of page)

[rosey5464]

Re: rosey5464 UE Diary

Good evening Pixie,

Yes indeed SXGuy mentioned them earlier thanks - had a look and loosely worded mine based on the template.

I wanted to cut across OPUS passing my phone info to a 3rd party hence the wording

Cheers

Rosey

[IF]

Re: rosey5464 UE Diary

Hi, just checking if all is OK?

Best wishes
IF

[rosey5464]

Re: rosey5464 UE Diary

26th March 2015

Not a dicky bird from my friends at Natwest, no letters nuffink