carol01 UE Diary

[swanfan]

Re: carol01 UE Diary

hiya everyone
my mum recieved a call today from jd recovery looking for me they told her they were a debt recovery firm
and needed to speak to me much to my horror
they know my home number, they know my address ,so why did they phone my mothers house i am totally fumming which left me in quite an akward position of having to tell my parents the s**t am in not a happy bunny at the moment
any advice on what i should do would be most welcome thanks inadvance

Hmm, well you may want to wait for Niddy's advice on this but i'd say speak to the ICO--> Complain to the ICO

[carol01]

Re: carol01 UE Diary

You need to photocopy the letter from Argos and highlight the relevant part saying "we cannot locate the original" then send it (to JB Debt Recovery), with a copy of this: ---> CCA Query - Letter Previously Confirming No CCA

hiya everyone
my mum recieved a call today from jd recovery looking for me they told her they were a debt recovery firm
and needed to speak to me much to my horror
they know my home number, they know my address ,so why did they phone my mothers house i am totally fumming which left me in quite an akward position of having to tell my parents the s**t am in not a happy bunny at the moment
any advice on what i should do would be most welcome thanks inadvance

[carol01]

Re: carol01 UE Diary

thanks elsie
i will resend letters again
thanks for the help

[Elsie52]

Re: carol01 UE Diary

Hi Carol

I think that I would be inclined to re send the Threat of Lititgation letter. I would also enclose a copy of the first letter you sent to Barclaycard requesting the CCA which states that you enclosed the £1.00 fee.

At the very least it may buy you some more time, its probably just another one of their empty threats.

Elsie

[carol01]

Re: carol01 UE Diary

hi everyone
i have recieved a reply from moorcroft ref my barclay card account a litigation letter!!!
i have till 17th to reply with an offer of payment not too sure how to show previous letter but in a nut shell
cca request done june 2010
recieved application u.e as advised by n-i-d
to and throw from dca
until moorcroft got involved
moorcroft sent pay now or court will follow
i sent threat by lender/dca -to commence litigation letter
they sent back send £1.00 and they will get cca ???
N-i-d advised to ignore as i have done and got everything and they have mis-read what i was asking
and thats were im up to now
do you think i should reply again with threat by lender/dca -to commence litigation or should i just
write back to them asking them to read the letter i have previously sent them and to keep reading it till they understand what the last letter actually said !!!!
all answers welcome and thanks in advance
N-i-d have a great holiday and well deserved x

[Never-In-Doubt]

Re: carol01 UE Diary

hi n-i-d
letter done along the lines of above well copied and pasted with an address at the top lol
let battle commence
thanks n-i-d

best of luck

[carol01]

Re: carol01 UE Diary

Hiya

Looks like these clowns are going for it?

I think we need to be responding, something along the lines of "Read my previous letter again, and continue to read it until you understand it. This account is formally in dispute which means requesting an agreement again will achieve nothing because I dispute the actual accuracy of the agreement and its content. If you continue to pursue this lost cause not only will I consider a counterclaim against you, I will defend any action as unlawful and vexatious. I formally demand you return this whole account back to the debt collection agency whom passed it to you".

That ought to about cover it!

hi n-i-d
letter done along the lines of above well copied and pasted with an address at the top lol
let battle commence
thanks n-i-d

[Never-In-Doubt]

Re: carol01 UE Diary

hiya n-i-d
these dca's are like buses lol nothing for weeks and then they come altoghther,
recieved a reply to my letter sent to moorcroft i sent threat letter/dca to commence litigation it says ...
thankyou for your recently received letter requesting a copy of the credit agreement.
however under the credit act 1974 you must provide a £1.00 fee(payable by cheque or postal order)before the request can be actioned. consequently if you submit the prescribed payment we will gradly process your request.

should you have any questions or require any additional imformation please do not hesitate to contact us direct on the above telephone number
thanks n-i-d

Ok thanks for the last post, helps explain this one that i'm quoting better now.

You need to ignore them..... they've mis-read what you have sent them (muppets)!

[carol01]

Re: carol01 UE Diary

uh? You've had a CCA haven't you, ie you requested one and nothing was sent? In which case ignore this, you have the proof now that you've tried - what more can you do?

i requested one and paid for it , and got it last june from barclay card it was an application form no terms and cons attached i said the same when i read their letter uh??
i have deffo sent right letter as i print a copy for myself and attacted the postal receipt on it

[Never-In-Doubt]

Re: carol01 UE Diary

hiya n-i-d
these dca's are like buses lol nothing for weeks and then they come altoghther,
recieved a reply to my letter sent to moorcroft i sent threat letter/dca to commence litigation it says ...
thankyou for your recently received letter requesting a copy of the credit agreement.
however under the credit act 1974 you must provide a £1.00 fee(payable by cheque or postal order)before the request can be actioned. consequently if you submit the prescribed payment we will gradly process your request.

should you have any questions or require any additional imformation please do not hesitate to contact us direct on the above telephone number
thanks n-i-d

uh? You've had a CCA haven't you, ie you requested one and nothing was sent? In which case ignore this, you have the proof now that you've tried - what more can you do?

[carol01]

Re: carol01 UE Diary

hiya n-i-d
i have recieved a letter from moorcroft ref me barclay credit card account
recap ... barclay sent and application form with no terms or cons attatched.
letters says.. pre court division
we have been instructed br barclay card to colect your over due account
it is a legal requirement to send a notice of intened litigation before legal proceedigs in the county court are issued. we believe that this letter fulfils this requirement even if it is not actually read by you.
they go on to say settlement of account must reach them by 10/02/11 .
would i be sending threat by lender/dca -to commence litigation maybe?
thanks n-i-d

hiya n-i-d
these dca's are like buses lol nothing for weeks and then they come altoghther,
recieved a reply to my letter sent to moorcroft i sent threat letter/dca to commence litigation it says ...
thankyou for your recently received letter requesting a copy of the credit agreement.
however under the credit act 1974 you must provide a £1.00 fee(payable by cheque or postal order)before the request can be actioned. consequently if you submit the prescribed payment we will gradly process your request.

should you have any questions or require any additional imformation please do not hesitate to contact us direct on the above telephone number
thanks n-i-d

[Never-In-Doubt]

Re: carol01 UE Diary

hiya n-i-d
i sent Threat by Lender/D.C.A - To commence litigation letter and today i recieved a reply from horwich farrelly solicitors following your reqest , we have today asked for a copy of the agreement or document to verify that you are liable to pay the amount due .
your account has been placed on hold on a temporary delay pending receipt of this documentation and will contact you again in due course
thanks n-i-d in advance

Hiya

Looks like these clowns are going for it?

I think we need to be responding, something along the lines of "Read my previous letter again, and continue to read it until you understand it. This account is formally in dispute which means requesting an agreement again will achieve nothing because I dispute the actual accuracy of the agreement and its content. If you continue to pursue this lost cause not only will I consider a counterclaim against you, I will defend any action as unlawful and vexatious. I formally demand you return this whole account back to the debt collection agency whom passed it to you".

That ought to about cover it!

[carol01]

Re: carol01 UE Diary

hiya n-i-d
i have recieved a letter from horwich farrelly ref my halifax credit card
quick recap....
last paid march 2010
blagging at the moment as terms and cons are not 100% linked
also account has been defaulted ref experian but i have not recieved any paper work giving me time to rectify account.
letter says..
we have been instructed by our client to claim from you full payment of your unpaid account.
court action may be taken against you, unless, within the next 10 days, you make full payment or make a payment together with affordable proposals to pay the balance.
please note that court action may increase the sum owed by the addittion of court fees and costs
should i just ignore this for the moment do you think?
thanks n-i-d in advance

hiya n-i-d
i sent Threat by Lender/D.C.A - To commence litigation letter and today i recieved a reply from horwich farrelly solicitors following your reqest , we have today asked for a copy of the agreement or document to verify that you are liable to pay the amount due .
your account has been placed on hold on a temporary delay pending receipt of this documentation and will contact you again in due course
thanks n-i-d in advance

[Never-In-Doubt]

Re: carol01 UE Diary

hiya N-i-d
i recieved a letter from moorcroft today ref my barclay card pre court division
i sent them Threat by Lender/D.C.A - To commence litigation on thursday 11/02/11
and i am wondering should i leave it a few days incase the letters have crossed in the post.
they also note they have confirmed with a major public utility that you are occupancy at the above address
who could that be i thought everythin was data protected i have till the 21/02/11 to pay
thanks n-i-d inadvance

Don't worry, my guess is that the letters crossed in the post..... just sit tight, see what develops & keep us updated

[carol01]

Re: carol01 UE Diary

Send this: ---> Threat by Lender/D.C.A - To commence litigation

hiya N-i-d
i recieved a letter from moorcroft today ref my barclay card pre court division
i sent them Threat by Lender/D.C.A - To commence litigation on thursday 11/02/11
and i am wondering should i leave it a few days incase the letters have crossed in the post.
they also note they have confirmed with a major public utility that you are occupancy at the above address
who could that be i thought everythin was data protected i have till the 21/02/11 to pay
thanks n-i-d inadvance