liandconsmum's UE Diary

[Never-In-Doubt]

Re: liandconsmum's UE Diary

We received a letter from Robinson Way Limited today regarding the Tesco account. Interestingly enough, they are saying we haven't responded to their previous letter (which we did, informing them that it is UE). They're basically saying pay up in 10 days or they will arrange for their local representative to call at our home... blah blah blah....

As this is the one that delayed for almost a year (demanding a signature before they would send it - although they for some reason eventually sent it as we refused to give them another signature) before sending us a CCA that had incorrect figures on it (and was obviously something they knocked together from god knows what AND was UE as well!), I'm obviously not going to blithely send them a cheque. Mulling over letters, but was thinking of the "enough is enough" letter combined with the "no doorstop callers" letter, so make sure they are clear.

Just nuts, they are. Really.

Send this: ---> Final Response (No CCA) & Refusal of Doorstep Visit

[liandconsmum]

Re: liandconsmum's UE Diary

We received a letter from Robinson Way Limited today regarding the Tesco account. Interestingly enough, they are saying we haven't responded to their previous letter (which we did, informing them that it is UE). They're basically saying pay up in 10 days or they will arrange for their local representative to call at our home... blah blah blah....

As this is the one that delayed for almost a year (demanding a signature before they would send it - although they for some reason eventually sent it as we refused to give them another signature) before sending us a CCA that had incorrect figures on it (and was obviously something they knocked together from god knows what AND was UE as well!), I'm obviously not going to blithely send them a cheque. Mulling over letters, but was thinking of the "enough is enough" letter combined with the "no doorstop callers" letter, so make sure they are clear.

Just nuts, they are. Really.

[Never-In-Doubt]

Re: liandconsmum's UE Diary

sorry the above was done in like 3 minutes, you'll need to spell check it etc.....

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Ok. Sent the "enough is enough" letter and received a response today.

Basically they've said "we are not acting for MBNA in this matter. They have sold the debt and therefore it cannot simply be passed back to them, even should we wish to do so. Whilst we note your comments, we do not believe that the agreement is unenforceable and therefore collections activity, including legal action if necessary, will continue. You should note that even should the agreement prove to be unenforceable, the debt will not be written off and will remain due and registered against you..."

Hmmm.... so they don't believe it's UE, but even if it is they have a plan...so obviously they're kinda acknowledgeing the possibility that it's UE, eh?

I honestly think I need a drink at this point. LOL Talk about going in circles.

Send something like this back... short & sweet:

Dear Idiots,

Ref: XXXXX

I write with reference to your previous correspondence, the content of which has been digested and ignored as the nonsense it is. I suggest you start reading and paying attention to my correspondence, as you're not going to receive much more from me until you do start to acknowledge the content in a professional manner.

For the record, each subsequent response to you will now be invoiced, in arrears, at £15 per letter billed on the last day of the previous month so I suggest you start to pay attention before you end up having my DCA chasing you!

Ok, back to the matter in hand, you previously stated that it is not your concern whether I was mis-sold PPI and that I ought to go back to Virgin and pay you in the interim. This is utter nonsense and a blatant lie. We both know full well that if an account is disputed, especially due to mis-sold insurance, then I have every right to cease repayment whilst it is investigated and dealt with - also, have you considered what if the refund exceeds the alleged debt? For clarity, I've sent a copy of this letter with a formal complaint to the Ministry of Justice and the Financial Ombudsman to see what they have to say about your actions.

Anyway, regards to your current letter, how dare you threaten me with action when you know full well you have no legal grounds on which to do so? I have told you on numerous occasion now that there were missing prescribed terms and until this is rectified any action taken by you will be met with a full defence and counter claim against you for abusing the court process, it'll also be defended as unlawful and vexatious as you have no legal grounds to take any action.

I strongly suggest you sort yourselves out and do it soon because failure will result in more formal action being taken against you.

Kind regards


Sign digitally

That ought to make them sit-up and pay attention!

[liandconsmum]

Re: liandconsmum's UE Diary

Ok. Sent the "enough is enough" letter and received a response today.

Basically they've said "we are not acting for MBNA in this matter. They have sold the debt and therefore it cannot simply be passed back to them, even should we wish to do so. Whilst we note your comments, we do not believe that the agreement is unenforceable and therefore collections activity, including legal action if necessary, will continue. You should note that even should the agreement prove to be unenforceable, the debt will not be written off and will remain due and registered against you..."

Hmmm.... so they don't believe it's UE, but even if it is they have a plan...so obviously they're kinda acknowledgeing the possibility that it's UE, eh?

I honestly think I need a drink at this point. LOL Talk about going in circles.

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Okay, thank you! I wasn't really sure. They bought the debt off Virgin and said that since Virgin would have to reimburse me directly as it was closed on their end, they said it was two separate issues.

Ah... the complications. I will send them the "enough is enough" letter as well then?

Technically they are right but as you're disputing the actual balance as a whole, then you shouldn't pay them just yet as usually any PPi gets refunded to the debt so imagine if you paid the dca for Virgin to pay the PPi refund into the debt as well, the DCA would have YOUR money and you think it'd be easy to get back? I don't!!

Thus no, do not pay the DCA just yet as the whole balance is disputed....

No, do not send them the enough is enough template - send them nothing! Wait and see what they come back with before responding to this.

[liandconsmum]

Re: liandconsmum's UE Diary

Okay, thank you! I wasn't really sure. They bought the debt off Virgin and said that since Virgin would have to reimburse me directly as it was closed on their end, they said it was two separate issues.

Ah... the complications. I will send them the "enough is enough" letter as well then?

[Never-In-Doubt]

Re: liandconsmum's UE Diary

The DCA has been saying that the PPI claim is not their concern and that we still need to be paying them as it has nothing to do with them.... hmmmm

Utter nonsense - sod them! They cannot take action if you're reclaiming PPi, don't worry

[liandconsmum]

Re: liandconsmum's UE Diary

Whoops!!! Stupid me! I double checked the account numbers, and while I will use the above "enough is enough" letter for one account, the other is actually one that's enforceable. That one is the Virgin one that we are still waiting for the PPI reimbursement on. The DCA has been saying that the PPI claim is not their concern and that we still need to be paying them as it has nothing to do with them.... hmmmm

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Very nice. Short, sweet, and to the point. I will get those put together and posted. Thank you very much!

Best of luck

[liandconsmum]

Re: liandconsmum's UE Diary

Very nice. Short, sweet, and to the point. I will get those put together and posted. Thank you very much!

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Do we have a template for DCAs that basically says "you're really getting on my nerves, I've responded in plain English - don't bother me until you have a clue" ?? I'd REALLY like one of those please!

Try this ---> Enough is Enough Template

[liandconsmum]

Re: liandconsmum's UE Diary

Brief update.

2 accounts have been moved to Credit Management Consultant. Interestingly enough, this CMC has the same address and is a trading name of Experto Credite (says so right on their letter head LOL), which is the DCA they were already with. The letter states the account has been "escalated" to them.... escalated to what? the next room?

Anyway, both these accounts were unenforceable, thus in dispute, so do I send two "sold while in dispute" as well as adding the part about "no home visits" as they mention sending field agent to house? Argh! Technically, they were not "sold" as it's obviously still with Experto Credite. And they've already been told once no home visits, but obviously they need this reiterated ... perhaps in either bigger letters or smaller words...not sure which....

Do we have a template for DCAs that basically says "you're really getting on my nerves, I've responded in plain English - don't bother me until you have a clue" ?? I'd REALLY like one of those please!

Interesting to note they are true to form... date on letter 11/05/11... recvd on 17/05/11... says to contact them within 7 days from date of letter. I don't do phone calls, and they know this.... nice try though.

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Having heard nothing from Virgin re our PPI reimbursement, I am debating sending them a "okay, we've waited long enough" letter.

Yep, consider doing that - also may be an idea to create a new thread in the reclaiming section, to keep it separate from the UE diaries: ---> Reclaiming

[liandconsmum]

Re: liandconsmum's UE Diary

Having heard nothing from Virgin re our PPI reimbursement, I am debating sending them a "okay, we've waited long enough" letter.