SLUGs UE diary

[Never-In-Doubt]

Re: SLUGs UE diary

Hope this is the info you need - will "firm" it up a bit more when I can tomorrow night. Hmmmmm. That sounds a bit rude. *cough*

Yep, dates and a brief summary of events will help me out immensely.

Cheers

[SLUG]

Re: SLUGs UE diary

I have just scanned the letter sent to my work address -

about to: emailing to Niddy.

[SLUG]

Re: SLUGs UE diary

Some dates:

8th Oct 2010 - EGG finally default me.

3th Dec 2010 - The only letter I seem to of recieved from CDUK is a threat-o-gram on this date. A garbled address made up of two different addresses. (Their main way of trying to contact were calls to my mobile through oct/dec and the first week in Jan.)

9th Dec 2010 - letter sent to main work office (identical to the one I have emailed you, only difference in date and address). Note: this letter takes till the end of December to work its way through the company and get to me.

12th Dec 2010 - I sent letter template "account is formally in dispute with EGG since they failed to acknowledge my CCA request" etc. I suggest you go away and stop harassing me....(did not actually put my correct address on this)....recieve a phone message from CDUK legal department after this, saying I dont understand legal matters, lets dicuss this.

21st Dec 2010 - identical letter sent to another work office (emailed you this one). This letter has just worked its way through the company and got to me.


Hope that helps and is not to garbled - I've got a headcold/flu/sniffle/thing, Grrrrrrr.

[Never-In-Doubt]

Re: SLUGs UE diary

cheers mate - i'll sort it soon as my emails start to work! Don't ask - we're moving servers and email is causing issues (ahem) - not us, the old hosting company (muppets) - so bear with me yea?

Cheers

[SLUG]

Re: SLUGs UE diary

No problem mate, no rush this end!

[Never-In-Doubt]

Re: SLUGs UE diary

No problem mate, no rush this end!

Been in and sorted all agreements - nothing from you mate? Can you confirm, when you email me you add your username in the subject? If not I delete them without reading (sorry) - I do this cos I get 100's of mails a day so I scan for those that tell me they are from the forum by inputting a username...

If you have an email from me (ie saying who are you) then you need to resend the whole email and attachments again cos it'll be deleted (sorry mate)...

[SLUG]

Re: SLUGs UE diary

Been in and sorted all agreements - nothing from you mate? Can you confirm, when you email me you add your username in the subject? If not I delete them without reading (sorry) - I do this cos I get 100's of mails a day so I scan for those that tell me they are from the forum by inputting a username...

If you have an email from me (ie saying who are you) then you need to resend the whole email and attachments again cos it'll be deleted (sorry mate)...

Yup, user name, etc - it looks like emails to you were bouncing back last night undelivered, I'll resend again today.

[SLUG]

Re: SLUGs UE diary

Still bouncing back - Im using the clickys at the bottom of your sig. Still having mail server problems perhaps?

[Never-In-Doubt]

Re: SLUGs UE diary

Hi matey, yea - the server that hosts emails is playing up - for the moment please send to never-in-doubt@live.co.uk

Thanks

[SLUG]

Re: SLUGs UE diary

Hi matey, yea - the server that hosts emails is playing up - for the moment please send to never-in-doubt@live.co.uk

Thanks

"You have mail"....... uggh. What an awful film that was. *retch*.

[Never-In-Doubt]

Re: SLUGs UE diary

"You have mail"....... uggh. What an awful film that was. *retch*.

But I did like the email prompt, "bing - you have mail" - that was about the best bit of the film, ie the pooter!

[Never-In-Doubt]

Re: SLUGs UE diary

For HL Legal matey:

Dear Sirs,

Account No: XXXXXXXX

I write with reference to your letter dated 21 December 2010 regards to the above numbered account. First and foremost I demand that you cease sending letters to my place of employment, this is forbidden under your debt collection licence and must stop forthwith. As a result of you doing this,and causing me pain and suffering (ie embarrassment and shame) I have also complained to both the ICO (breach of DPA1998) and also the OFT (breach of their debt collection guidelines). I will also be seeking legal action against YOU for damages, you really have messed up here haven't you?

So, before you start writing to me at a place of work, issuing silly threats, maybe you ought to learn the same laws that you're trying to use against me, to protect yourself when I commence action against you. I formally demand the cessation of all contact as the account in question is in dispute and we both know that a disputed account cannot be enforced so lets not go there...

I have requested a signed true copy of the original document, however this request remains outstanding. Your client seems to think that they have complied with their obligations, however unless they actually provide me a copy of the original, then they have NO recourse to consider legal action as per s.127(3) and s.65(1) of the CCA rightly suggests. The fact that you're involved now changes nothing; I am sorry to say that until they come out of default then you are BOTH in direct breach of various Acts none more so than The Protection from Harassment Act (1970) and the recently updated OFT Guidance on Debt Collection (12/2006). The OFT guidance clearly states what is and what is not acceptable. To reiterate, the OFT practices that I deem you to be continually breaching, amongst others, include;

The unfair practices, carried out by you and your authorised agents are as follows:

2.2

f. Contacting debtors at unreasonable times
g. Ignoring or disregarding debtors' legitimate wishes in respect of when and where to contact them, for example, shift workers who ask not to be telephoned during certain times of the day

2.4

b. Falsely implying or stating that action can or will be taken when it legally cannot
e. Falsely implying or stating that failure to pay a debt is a criminal offence or that criminal proceedings will be brought

2.6

a. Contacting debtors at unreasonable times and at unreasonable intervals
c. Using more than one debt collection business at the same time resulting in repetitive and/or frequent contact by different parties
d. Not ensuring that an adequate history of the debt is passed on as appropriate resulting in repetitive and/or frequent contact by different parties
e. Not informing the debtor when their case has been passed on to a different debt collector
f. Pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so
g. Making threatening statements or gestures
h. Ignoring and /or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment

2.8

i. Failing to investigate and/or provide details as appropriate, when a debt is queried or disputed, possibly resulting in debtors being wrongly pursued
k. Not ceasing collection activity whilst investigating a reasonably queried or disputed debt

As you can clearly see from the above list, it is not one single thing you've messed up on here, it is a whole host of things. I have only bothered to quote the OFT Guidance - imagine when I start on the CCA1974 breaches & the Protection from Harassment Act breaches? Do you still think that you have the right to annoy me at your free-will? I certainly do not and fortunately for me, current UK law agrees.

For the last time, I formally demand that this action ceases with immediate effect and that you remove all details you have on file against the alleged accounts noted above.

As the account is clearly unenforceable, I expect you to write back and confirm that no further action will be taken - by your firm - and that the account is now closed and no further correspondence will take place; irrespective, unless your clients do supply a copy of the original agreement I will not correspond with you again, unless you continue to write at MY EMPLOYERS address in which case i'll have you in court quicker than your feet can touch the ground. Any subsequent threats or contact from you will be averred and unlawful and vexatious with a counter-claim forthcoming.

Yours faithfully


Sign digitally

I have added this to the "Niddy Specials" template database here: ---> Being sent Debt Letters at Work

[SLUG]

Re: SLUGs UE diary

Niddy, could you be any more awesome? Thank you indeed.

[fiscalfool]

Re: SLUGs UE diary

Oh noes, I'm now going to picture Niddy sat at his PC with his Pink T-shirt and dodgy mullet, with the airfix planes swinging above him ... whenever he posts! :P

All street cred ... gone!

[Never-In-Doubt]

Re: SLUGs UE diary

Oh noes, I'm now going to picture Niddy sat at his PC with his Pink T-shirt and dodgy mullet, with the airfix planes swinging above him ... whenever he posts! :P

All street cred ... gone!

Dude - steady yourself! I am not like that - although in the 80's, well - that's a different story