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Re: JASSASBLUE - UE Diary
2 x letters received from Wescot:
1 dated 08/11 - they have been instructed by their client to collect the outstanding balance blah blah blah
1 dated 18/11 - as I haven't been in touch they've conducted further checks and confirm my address etc
I haven't had a notice of assignment from Studio, do I send a SWID?
Originally posted by jassasblue
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Account Owner Studio Catalogue
Type of account Catalogue
Date commenced 21/09/2004
Approx balance £1299.59
Date last paid DMP 25/12/2013
Are you on arrangement or not paying DMP
Status Arrangement on credit file
Letter Sent
Letter Received
03/01/14 CCA Letter Sent
15/01/14 Reconstituted agreement and statement of account received,
15/01/14 Email to Niddy for advice (signature electronic and definitely not mine!)
Niddy's reply:
It's unenforceable. Stop paying and send them the Missing PT's letter.
Template to send back -> http://www.all-about-debt.co.uk/old/index.php/template-letters/unenforceability/s2-receiving-letters/118-cca-query-missing-prescribed-terms
Now even though we know it's a fraudulent copy, at this stage we don't tell them. So obviously that's why we're sending the missing PT's template so as not to give away your ace card ie they sent a fake recon and faked your signature (fraud).
They won't win if they took you to court, put it that way
16/01/14 PT Letter sent
25/01/14 Reply from Studio, clever nonsense and asking for payment, emailed to Niddy to be sure UE, ignore was the reply - cheers pal!
08/02/14 Letter received - thanking me for my £1 payment 9th January (this was for my CCA request and they've applied it to my account!). Letter states they are to reapply interest and charges to my account as I haven't paid. For every letter they will make a charge
10/02/14 Copy of CCA letter issued and one liner asking to remove £1 as a payment off my account
19/02/14 2 Letters from Studio - 1 stating £12 default charge added for non payment and the other contains this: 'As confirmed in a recent court case (Carey v HSBC 2009) Section 78 of the CCA 1974 requires creditors to provide a reconstituted copy of the credit agreement. It further states that of a copy of the original agreement is not required to be provided'. Then later 'We would remind you that the original credit agreement was sent with your order when the account was opened in September 2004. Our customers are asked to sign both copies, returning one copy and to keep their copy in a safe place should they decide to choose repayment by credit terms instead of full payment. By taking advantage of paying the minimum payment every 28 days you are as such subject to the terms and conditions as stated within the credit agreement' and so it goes on....
07/03/14 Letter sent Creditor Refusal to accept UE status
13/03/14 Letter from Studio refusing to accept UE, chasing for payment
20/03/14 3 letters received today, 1 x default notice from DCS (Debt Collection & Security), 1 x notice of arrears with lots of extra charges, 1 x statement - all ignored
17/04/14 Letter from DCS, transfer to Moorcroft Debt Collection, more charges added - ignored until they contact
10/05/14 Letter from Akinika Debt Recovery, threatening, CCJ, Home Visit etc
21/05/14 Letter from Akinika Debt Recovery offering a substantial discount on my balance, must call now - ignored as sent the below letter
24/05/14 Letter sent to Akinika (Niddy special) as below
I write with reference to your letter dated 7 May 2014 and note the content within.
Last I heard Studio sold this to Moorcroft Debt Collection on 17th April; yet here you are trying to act all high and mighty less than only two weeks later? Tell you what, being Studio have instructed you to collect on this account you can be the ones who try again, by first sending a copy of the assignment notice from Studio giving you authority to deal with this matter because I was told only a couple of weeks ago that Moorcroft would be managing this account.
On a separate matter, your threats are totally unlawful and quite misleading as is the use of bold highlighted font, with the intention to scare. As a result of your quite unlawful tactics to scare a debtor, I feel I am left with no alternative but to report you to the Financial Conduct Authority because under the new FCA Consumer Credit Sourcebook regulations it is clear your behaviour and use of language in this one letter breaches no less than 11 separate elements of CONC. That in my view is pretty severe and I hope the FCA punish you accordingly.I write with reference to your letter dated 7 May 2014 and note the content within.
Last I heard Studio sold this to Moorcroft Debt Collection on 17th April; yet here you are trying to act all high and mighty less than only two weeks later? Tell you what, being Studio have instructed you to collect on this account you can be the ones who try again, by first sending a copy of the assignment notice from Studio giving you authority to deal with this matter because I was told only a couple of weeks ago that Moorcroft would be managing this account.
On a separate matter, your threats are totally unlawful and quite misleading as is the use of bold highlighted font, with the intention to scare. As a result of your quite unlawful tactics to scare a debtor, I feel I am left with no alternative but to report you to the Financial Conduct Authority because under the new FCA Consumer Credit Sourcebook regulations it is clear your behaviour and use of language in this one letter breaches no less than 11 separate elements of CONC. That in my view is pretty severe and I hope the FCA punish you accordingly.
05/06/14 Letter from Akinika acknowledging my complaint, account on hold while they investigate!
11/07/14 Letter from Akinika, they reject my letter of complaint, they can't comment about Moorcroft but confirm Studio instruct them to deal with this undisputed debt. 'Undisputed' ?? They can't produce my credit agreement, do I need to reply, they've sent an income / expenditure form before further action! - ignored
Type of account Catalogue
Date commenced 21/09/2004
Approx balance £1299.59
Date last paid DMP 25/12/2013
Are you on arrangement or not paying DMP
Status Arrangement on credit file
Letter Sent
Letter Received
03/01/14 CCA Letter Sent
15/01/14 Reconstituted agreement and statement of account received,
15/01/14 Email to Niddy for advice (signature electronic and definitely not mine!)
Niddy's reply:
It's unenforceable. Stop paying and send them the Missing PT's letter.
Template to send back -> http://www.all-about-debt.co.uk/old/index.php/template-letters/unenforceability/s2-receiving-letters/118-cca-query-missing-prescribed-terms
Now even though we know it's a fraudulent copy, at this stage we don't tell them. So obviously that's why we're sending the missing PT's template so as not to give away your ace card ie they sent a fake recon and faked your signature (fraud).
They won't win if they took you to court, put it that way
16/01/14 PT Letter sent
25/01/14 Reply from Studio, clever nonsense and asking for payment, emailed to Niddy to be sure UE, ignore was the reply - cheers pal!
08/02/14 Letter received - thanking me for my £1 payment 9th January (this was for my CCA request and they've applied it to my account!). Letter states they are to reapply interest and charges to my account as I haven't paid. For every letter they will make a charge
10/02/14 Copy of CCA letter issued and one liner asking to remove £1 as a payment off my account
19/02/14 2 Letters from Studio - 1 stating £12 default charge added for non payment and the other contains this: 'As confirmed in a recent court case (Carey v HSBC 2009) Section 78 of the CCA 1974 requires creditors to provide a reconstituted copy of the credit agreement. It further states that of a copy of the original agreement is not required to be provided'. Then later 'We would remind you that the original credit agreement was sent with your order when the account was opened in September 2004. Our customers are asked to sign both copies, returning one copy and to keep their copy in a safe place should they decide to choose repayment by credit terms instead of full payment. By taking advantage of paying the minimum payment every 28 days you are as such subject to the terms and conditions as stated within the credit agreement' and so it goes on....
07/03/14 Letter sent Creditor Refusal to accept UE status
13/03/14 Letter from Studio refusing to accept UE, chasing for payment
20/03/14 3 letters received today, 1 x default notice from DCS (Debt Collection & Security), 1 x notice of arrears with lots of extra charges, 1 x statement - all ignored
17/04/14 Letter from DCS, transfer to Moorcroft Debt Collection, more charges added - ignored until they contact
10/05/14 Letter from Akinika Debt Recovery, threatening, CCJ, Home Visit etc
21/05/14 Letter from Akinika Debt Recovery offering a substantial discount on my balance, must call now - ignored as sent the below letter
24/05/14 Letter sent to Akinika (Niddy special) as below
I write with reference to your letter dated 7 May 2014 and note the content within.
Last I heard Studio sold this to Moorcroft Debt Collection on 17th April; yet here you are trying to act all high and mighty less than only two weeks later? Tell you what, being Studio have instructed you to collect on this account you can be the ones who try again, by first sending a copy of the assignment notice from Studio giving you authority to deal with this matter because I was told only a couple of weeks ago that Moorcroft would be managing this account.
On a separate matter, your threats are totally unlawful and quite misleading as is the use of bold highlighted font, with the intention to scare. As a result of your quite unlawful tactics to scare a debtor, I feel I am left with no alternative but to report you to the Financial Conduct Authority because under the new FCA Consumer Credit Sourcebook regulations it is clear your behaviour and use of language in this one letter breaches no less than 11 separate elements of CONC. That in my view is pretty severe and I hope the FCA punish you accordingly.I write with reference to your letter dated 7 May 2014 and note the content within.
Last I heard Studio sold this to Moorcroft Debt Collection on 17th April; yet here you are trying to act all high and mighty less than only two weeks later? Tell you what, being Studio have instructed you to collect on this account you can be the ones who try again, by first sending a copy of the assignment notice from Studio giving you authority to deal with this matter because I was told only a couple of weeks ago that Moorcroft would be managing this account.
On a separate matter, your threats are totally unlawful and quite misleading as is the use of bold highlighted font, with the intention to scare. As a result of your quite unlawful tactics to scare a debtor, I feel I am left with no alternative but to report you to the Financial Conduct Authority because under the new FCA Consumer Credit Sourcebook regulations it is clear your behaviour and use of language in this one letter breaches no less than 11 separate elements of CONC. That in my view is pretty severe and I hope the FCA punish you accordingly.
05/06/14 Letter from Akinika acknowledging my complaint, account on hold while they investigate!
11/07/14 Letter from Akinika, they reject my letter of complaint, they can't comment about Moorcroft but confirm Studio instruct them to deal with this undisputed debt. 'Undisputed' ?? They can't produce my credit agreement, do I need to reply, they've sent an income / expenditure form before further action! - ignored
1 dated 08/11 - they have been instructed by their client to collect the outstanding balance blah blah blah
1 dated 18/11 - as I haven't been in touch they've conducted further checks and confirm my address etc
I haven't had a notice of assignment from Studio, do I send a SWID?
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