Tweet
Hi ;Hi
I have followed on from the previous forum where I had an ongoing diary of just a couple of posts and have now moved over to this new incarnation.
Briefly from the diary I created there was the following:
[size=5]A little while ago I had been in contact with you on MSE regarding a Crapital One card of which I sent to you the ‘credit agreement’ which you deemed unenforceable. I had attempted to negotiate a reduced payment to which they refused. Right I thought, this is fighting talk, so off went to Crapital One the ‘Debtors Final Response’ letter you so kindly posted on the other forum. The upshot of this is that they have passed on my ‘debt’ to a company called’ fps’. Obviously they got a bit niggly about my final response.
I responded to fps’s initial letter with ‘account sold’ template letter. They have today responded to that saying that ‘they have failed to receive an adequate response’ adding that they want me to phone them urgently and without delay. Ha!!! Fat chance there…. (I did send my response by recorded post so I know they got it) With regard to phone calls I initially blocked them but now they are dialling me from a number which comes up as ‘unknown’. That’s a tricky one for me to block.
Whilst writing, compliments are again due to you. I used one of your templates to another company asking them to remove my details from their system and in response I received a letter today saying that they had done just that. It does work…brill, many thanks.
I think I will have to use it again with the latest callers. What really annoys me about these companies is that they think it is their god given right to use a device, in this case your phone, which you pay for into their own personal weapon against you. I’m off my soap box now….. Anyway back to the ‘problem’. Could you advise on the next course of action? Perhaps a CCA query or a ‘prove it’ letter?
You advised to send off another 'Account sold - whilst in Default of CCA Request' which I fired off recorded.
Just prior to the weekend I received yet another letter from the DCA which did not even mention or answer my second letter. The tone of this letter is similar to previous one's, pay up or else.
What would be the next course of action?
Once again thank you for your kind attention and time.
ps...Just a thought, if an account has been sold on to another party does the original debt still exist and should it appear on your records as a default to the original creditor? ;LOL My strange way of thinking is that that particular debt has been discharged to the original lender. I bet there are rules and regs for that one please dont go to great lengths on explaining ;--G .
I have followed on from the previous forum where I had an ongoing diary of just a couple of posts and have now moved over to this new incarnation.
Briefly from the diary I created there was the following:
[size=5]A little while ago I had been in contact with you on MSE regarding a Crapital One card of which I sent to you the ‘credit agreement’ which you deemed unenforceable. I had attempted to negotiate a reduced payment to which they refused. Right I thought, this is fighting talk, so off went to Crapital One the ‘Debtors Final Response’ letter you so kindly posted on the other forum. The upshot of this is that they have passed on my ‘debt’ to a company called’ fps’. Obviously they got a bit niggly about my final response.
I responded to fps’s initial letter with ‘account sold’ template letter. They have today responded to that saying that ‘they have failed to receive an adequate response’ adding that they want me to phone them urgently and without delay. Ha!!! Fat chance there…. (I did send my response by recorded post so I know they got it) With regard to phone calls I initially blocked them but now they are dialling me from a number which comes up as ‘unknown’. That’s a tricky one for me to block.
Whilst writing, compliments are again due to you. I used one of your templates to another company asking them to remove my details from their system and in response I received a letter today saying that they had done just that. It does work…brill, many thanks.
I think I will have to use it again with the latest callers. What really annoys me about these companies is that they think it is their god given right to use a device, in this case your phone, which you pay for into their own personal weapon against you. I’m off my soap box now….. Anyway back to the ‘problem’. Could you advise on the next course of action? Perhaps a CCA query or a ‘prove it’ letter?
You advised to send off another 'Account sold - whilst in Default of CCA Request' which I fired off recorded.
Just prior to the weekend I received yet another letter from the DCA which did not even mention or answer my second letter. The tone of this letter is similar to previous one's, pay up or else.
What would be the next course of action?
Once again thank you for your kind attention and time.
ps...Just a thought, if an account has been sold on to another party does the original debt still exist and should it appear on your records as a default to the original creditor? ;LOL My strange way of thinking is that that particular debt has been discharged to the original lender. I bet there are rules and regs for that one please dont go to great lengths on explaining ;--G .
y
Comment