New and confused

[Deepie]

Re: New and confused

I would just ignore for now.....

[Pixie]

Re: New and confused

That means they're in default of your cca request so they can't take things any further until they provide you with it. Like I said before, just ignore them and wait for them to write.

If the texts are bothering your hubby, could he change his number? I know you've already sent the telephone harassment letter to them.

[samsmum]

Re: New and confused

Thanks. Got a feeling this one's gonna get messy. Others dont seem so bad cos they're just unknown faces in an office somewhere but think these will speak to us one way or another. Thanks for the advice,we'll ignore as you say and see what happens next

[Pixie]

Re: New and confused

Try not to worry about it. You've got the help and support from us on here. They are not allowed, by law, to harass you.

Keep a note of all the calls and texts you get.

[samsmum]

Re: New and confused

Will do. Thanks again

[samsmum]

Re: New and confused

Just read the text and it says 'someone is using your name and address. Get back to me'. Surely cant be the first cca they've received

[garlok]

Re: New and confused

Hi samsmum,

I2D and pixie are right here. However if you are feeling this is a threat and a problem to you, try this for one:-

>Unenforceability Templates - Section 1

and this as well:-

>Templates - Harassment

If there is any more nonsense like this then we can up the ante with the next letter.

You say they are regulated. If they don't behave and send your CCA then we can probably push them into a corner whereby they commit a criminal offence by not responding correctly.

regards
Garlok

[samsmum]

Re: New and confused

Thanks Garlock. We're going to do as advised and follow the procedures as we would for any other creditors and see where it takes us for now. Do feel a bit intimidated i have to admit but i'm sure they've got a lot more than us to lose if they dont play ball.

Many thanks to you all again

[Never-In-Doubt]

Re: New and confused

Morning. Re the loan we've got with a local lender. Very warily sent in a cca request and hubbys just had a text saying ''someone's sent in an unsigned letter in your name. Ring me'' This one scares us a bit. I know they're regulated but is it better just to pay this one?

I will gladly ring them for you - idiots, who do they think they are?

Do not worry, if they send anyone round to your house or threaten you we'll get them on criminality charges as well as regulatory ones.

Do not send anything to them other than the CCA Request for now, regards Garloks post above for this time I am going to ask you to not send those - reason being there is no need right now, just ignore the texts but save them all - do not delete them whatever you do - and keep us posted. Do nothing till I see that CCA - yea?

Niddy

[Never-In-Doubt]

Re: New and confused

Thanks Garlock. We're going to do as advised and follow the procedures as we would for any other creditors and see where it takes us for now. Do feel a bit intimidated i have to admit but i'm sure they've got a lot more than us to lose if they dont play ball.

Many thanks to you all again

NO!

See my last post - do not treat them the same - not just yet!

Trust me, just sit tight and await CCA...... after 16 days have elapsed update this thread and i'll then sort the next move with you.

[samsmum]

Re: New and confused

Ok thanks.Just meant dont want to back down and pay these just cos we're a bit scared. We'll just sit tight and wait to hear from them and keep you up to date with it all. Thanks again. Really appreaciate the help and support from everyone. Would've caved in on our own

[Never-In-Doubt]

Re: New and confused

Ok thanks.Just meant dont want to back down and pay these just cos we're a bit scared. We'll just sit tight and wait to hear from them and keep you up to date with it all. Thanks again. Really appreaciate the help and support from everyone. Would've caved in on our own

Thing is they are likely to have a compliant agreement so I do not want you to start making enemies unnecessarily if you see what I mean? This is too close to home and regardless of me sitting here 500 miles away saying "legally this and that" - we all know some of these local doorstep lenders can be a right handful so it's best to just ignore the texts and see what they send/write to you. If they happen to ring and you answer, just hang up without saying anything at all.

You'll be fine but we have to play by the book - just in case.

[Never-In-Doubt]

Re: New and confused

Just to clarify, Garlok's course of action is correct however I am just saying, as I know more about this than others due to contact with the OP - I think it's best to deal with the non compliance of s,78 and deal with any harassment issues separately. Ergo for now it is best to get them on the CCA fault, then we'll see what that produces.....

[samsmum]

Re: New and confused

Received a letter from Reliable re Simply Be. Says my conduct is unacceptable and will not be tolerated. I've had the goods and made little effort to pay for them. They're assessing my account to pursue legal action.

Letter from them re Ambrose Wilson about home contact on Wednesday. Both accounts are UE and had letter from JD Williams on 14/10/2011 stating this.

Letter from Lowells re capital one saying they may be able to offer a greatly reduced settlement. Balance is £123

[Never-In-Doubt]

Re: New and confused

Reliable - write back and say "excuse me? How dare you write to me in such a manner; YOUR conduct is totally unnecessary however unlike me, you are regulated and as a result of your downright defamatory letter I am reporting you to your regulators starting with the FOS"

That will shut them up. Idiots!!!

Regards jd Williams - send a copy of their letter confirming no agreement with this:---> Unenforceability Templates - Section 2

Lowells, don't worry. They can't do much at that amount