nanna58 UE Diary

[nanna58]

Re: nanna58 UE Diary

Re Capital One

CSL chasing SWID sent 20.8.2013

From P2C today

we have been instructed by our client to visit your address to collect the above debt as you have ignored requests to contact them.

they then list visit days

I can contact CSL within 72 hrs to avoid action
thank you

[MrsD]

Re: nanna58 UE Diary

refer the numpties to your previous letter, a curt one liner is fine

or you could let them turn up (bearing in mind they almost never appear)and set Mr Nanna on them with a water pistol or you could just hit them with the pole

[nanna58]

Re: nanna58 UE Diary

any ideas what to write as I do not want to put the wrong thing.... and don't think 2 words are quite enough ( sorry to be thick)

[nanna58]

Re: nanna58 UE Diary

What about "Please refer to the letter you received on ( forgot date) and note the account is in dispute with capital one" and I will enclose a doorstep letter also a telephone harassment as CSL keep leaving messages.THEY ARE NOT HAVING MY DOORSTEP

[MrsD]

Re: nanna58 UE Diary

I'd be much more brief, your too polite

Your threatening letter of blah is received on blah. May I refer you to my letter of blah and suggest you read this carefully.

love and kisses Nanna

[nanna58]

Re: nanna58 UE Diary

doorstep letter and a 1 liner ready to go xx

[nanna58]

Re: nanna58 UE Diary

Re Capital One

Dispute letter sent to CSL on 20 .8 2013.
received reply today from CSL "please note until a fee is received we cannot process your request and collection activity will continue" ???

Doorstep letter and 1 liner "to refer to dispute letter previously sent" in reply to Power to contact doorstep threat.

From Cougar Financial today ( same address as CSL)

With reference to your letter received on 4.9.2013.Please note that you are not correct in in your assertion that, under OFT rules we can only visit your home if you agree to make an appointment. The debt is not reasonably disputed or deadlocked and we are giving you reasonable notice of the timing of the intended visit.
In law a creditor is in a different position to a postman or member of the public asking for directions. When you opened the account you impliedly agreed that the creditor could communicate with you to discuss repayment. You do not have the fcontrctual right to revoke that agreement until the debt is repaid

[nanna58]

Re: nanna58 UE Diary

they also say I am incorrect The Armstrong v Sheppard (1959) refusal can only come from the court.Therefore a doorstep visit may be a viable option to discuss payment.
sorry I had to split it up as I was not allowed to post for some reason. cheers

[Still Waving]

Re: nanna58 UE Diary

Re Capital One

Dispute letter sent to CSL on 20 .8 2013.
received reply today from CSL "please note until a fee is received we cannot process your request and collection activity will continue" ???

Doorstep letter and 1 liner "to refer to dispute letter previously sent" in reply to Power to contact doorstep threat.

From Cougar Financial today ( same address as CSL)

With reference to your letter received on 4.9.2013.Please note that you are not correct in in your assertion that, under OFT rules we can only visit your home if you agree to make an appointment. The debt is not reasonably disputed or deadlocked and we are giving you reasonable notice of the timing of the intended visit.
In law a creditor is in a different position to a postman or member of the public asking for directions. When you opened the account you impliedly agreed that the creditor could communicate with you to discuss repayment. You do not have the fcontrctual right to revoke that agreement until the debt is repaid

Hi Nana

I had a similar response from a different co to my standard Doorstep letter, so I sent them the following -

"I refer to your letter dated xxxxxx. I note that you are saying that you are not bound by the law .

As you have a Consumer Credit Licence issued by the Office of Fair Trading, I presume that you are aware of the guidance contained in their document OFT664 as updated November 2011.

I would draw your attention to the following extracts:-

UNFAIR OR IMPROPER BUSINESS PRACTICES

False representation of authority and/or legal position: businesses
should accurately and truthfully represent their authority/status and
the correct legal position with regard to debts and the debt recovery
process

Communication

It is unfair to communicate with debtors, or their representatives, in
whatever form, in an unclear, inaccurate or misleading manner.

Be advised that this alleged debt is already in formal dispute with the alleged creditor (in case they did not so inform you), so I would also draw your attention to a further extract from the OFT guidance.

Debt collection visits

Examples of unfair or improper practices are:

visiting or 'threatening' to visit a debtor, without his prior agreement, when
the debt is deadlocked or reasonably queried or disputed

not giving adequate notice to the debtor of the time and date of a visit

Please be advised that any harassment by yourselves and breaches of any of the OFT guidelines will be the subject of formal complaints to the OFT and the FOS.

I therefore suggest that you to close your file and return the account to your client.

Yours faithfully"

The next letter I had from them said that they were no longer currently dealing and all correspondence had been referred back to their client.

Hope this helps

[nanna58]

Re: nanna58 UE Diary

many thanks mate xx

[nanna58]

Re: nanna58 UE Diary

I was also wondering if it is now time to reapply for my PPI that the FOS did not uphold due to time lines?I do have a copy of the "do you want PPI" with a tick in the no box when I challenged them they said I agreed on the phone (no Way) I then asked them to send me a copy of the tape they wrote back saying they do not keep tapes.cheers x

[nanna58]

Re: nanna58 UE Diary

WHOOPIE I had a letter from CSL "our client is offering a 40% discount" and I can call them

[nanna58]

Re: nanna58 UE Diary

I am happy to send as post 459 if that would be ok.

[vint1954]

Re: nanna58 UE Diary

WHOOPIE I had a letter from CSL "our client is offering a 40% discount" and I can call them

Obviously ignore this one nanna

[nanna58]

Re: nanna58 UE Diary

think I will ignore the 3 I had in the past week as they are all informative really and as far as I can see contain no real threat.Should any one turn up to collect my doorstep they can sod off ..xx