New and confused

[Never-In-Doubt]

Re: New and confused

The letters you got dated 11th & 26th - who sent them? Please email both to me. And in the same email just clarify how many accounts these are for and whether you had a cannot find agreement letter for them all? Just so I'm clear on things.

Thanks

[samsmum]

Re: New and confused

The letters you got dated 11th & 26th - who sent them? Please email both to me. And in the same email just clarify how many accounts these are for and whether you had a cannot find agreement letter for them all? Just so I'm clear on things.

Thanks

E mailed both letters. Just to confirm. One account with Simply Be and one with Ambrose Wilson,both part of JD Williams group. Letter received from them with both account numbers on confirming they accept the debts are unenforceable. Reliable Collections making all the threats etc

[samsmum]

Re: New and confused

Oops sorry I'll do that 1st thing when I dock at work by 7pm.

Bear with me (now I know why I've kept an email with Jd silly letter on it from you)!!

Part of my unique filing system

[Pixie]

Re: New and confused

26/11/2011.. Letter received. COURT ACTION WARNING. Compelled to pass acc onto dc who specialises in serious debt like mine. Considering ccj,bailiffs,attachment of earnings and charging order. Must pay in 24 hours

Serious debt?

I've one word to say to them - bollox!!

I'll leave it at that for now as I know Niddy's on with it.

[CleverClogs (RIP)]

Re: New and confused

26/11/2011.. Letter received. COURT ACTION WARNING. Compelled to pass acc onto dc who specialises in serious debt like mine. Considering ccj, bailiffs, attachment of earnings and charging order. Must pay in 24 hours

At least they threatened litigation before they'd apply for a charging order.

Those twerps at Triton didn't when I still owed RBS a measly £225.

[samsmum]

Re: New and confused

Wonder what they say when they get home from work and the Mrs says ''good day at the office dear?'' or they're out on a Saturday night and someone asks what they do for a living. Must be so proud to say they lie through their teeth and intimidate the sick,elderly and vulnerable

[Never-In-Doubt]

Re: New and confused

Wonder what they say when they open Niddys letter

I fixed your post for you

[CleverClogs (RIP)]

Re: New and confused

Wonder what they say when they get home from work and the Mrs says ''good day at the office dear?'' or they're out on a Saturday night and someone asks what they do for a living. Must be so proud to say they lie through their teeth and intimidate the sick,elderly and vulnerable

Hardly, as they would reduce any cognitive dissonance by further dissimulation; they'd claim that they were helping the economy to recover by "helping" people to pay their debts.

[samsmum]

Re: New and confused

I fixed your post for you

What i'd give to be a fly on the wall

[samsmum]

Re: New and confused

Hardly, as they would reduce any cognitive dissonance by further dissimulation; they'd claim that they were helping the economy to recover by "helping" people to pay their debts.

I'd agree if i knew what the big words meant

[Never-In-Doubt]

Re: New and confused

See how they like this - just add both account numbers to the top and copy both letters confirming no agreement and attach them all together.....

Send to reliable, recorded delivery and let me know if they come back to you......

Dear Sirs

Account No/Reference No: XXXXXXXX & XXXXXXXX

I am getting sick and tired of your repeated harassment regards the above accounts and unless it ceases immediately I will report your conduct to the FOS, the OFT and Trading Standards.

How dare you write to me quoting such nonsense as "your conduct in this matter is unacceptable and will not be tolerated..." what the hell do you think I am? A naughty little schoolgirl that you can place over your knee and discipline? Well you're surely mistaken as this little schoolgirl will rip you apart if you ever dare use such wording in any further letters to me.

Further, I do wonder what the Ministry of Justice and the Office of Fair Trading have to say about your repeated threats of court action, whereby you clearly state that "further to this all court and solicitor fees would be added to your balance...". I guess you're aware that it is not for you to decide the fate of costs, it is for the Judge to decide on such matters however when faced with my counterclaim for strike-out based on the fact you are in direct breach of varying legislation (s.61, s.78, s.127, s.87, s.88 CCA1974) coupled with the actual original creditors signed declaration that they cannot locate an original agreement, well we both know that these agreements cannot be enforced by a Judge in line with s.127(3) CCA1974.

I suggest you familiarise yourself with other case law regards this matter, such as the Carey Judgment or Hayes v HFC where at Blackpool county court in July 2010 she successfully overturned a charging order on her home. Judge Bell agreed that the reconstituted agreement was not accurate. Then you have the case of Kotecha v Phoenix in which Phoenix attempted to recover a debt owed on a HFC bank credit card. The appeal judges agreed the bank had not been able to supply an accurate copy of the original agreement - This is publicly available information and I suggest you learn it as any future threats from your offices will result in my taking action against you.

I rest my case.

If you ever write to me using any of the misleading threats, language or general mannerisms again then i'll take this as far as I can and report your conduct and question your suitability to retain your consumer credit licence. Make no mistake who you are dealing with here.

Yours faithfully,

[Never-In-Doubt]

Re: New and confused

Hardly, as they would reduce any cognitive dissonance by further dissimulation; they'd claim that they were helping the economy to recover by "helping" people to pay their debts.

I'd agree if i knew what the big words meant

In layman he's saying they'll reduce any discomfort/embarassment by lying even more by possibly claiming they're helping the economy!

[CleverClogs (RIP)]

Re: New and confused

A naughty little schoolgirl that you can place over your knee and discipline?

Whence might one obtain a ticket for that spectacle?

[Never-In-Doubt]

Re: New and confused

Me thinks Niddy's letter has scared away samsmum as well

[samsmum]

Re: New and confused

Sorry been on an errand of mercy. Bet you thought i was so ignorant. As i said i'd love to be a fly on the wall when they open that. Hubby doesn't think i'll be brave enough to send it. Watch me!! Would never have the guts to do it on my own even if i knew all that stuff but know i've got the support on here and wont be the only one waiting to see what they come back with. Thanks Niddy. What a star