New and confused

[samsmum]

Re: New and confused

Love it. Consider it done. Thanks again

[samsmum]

Re: New and confused

Update

While you're there Niddy do i continue to ignore this one?

[samsmum]

Re: New and confused

CO-OP LOAN
11/2002
£4900
04/2003
Not paying
arrears
Payments to CO-OP
26/9/11 Termination letter received. Advised to ignore
12/10/11 Account being passed to specialist collections. May default, pass to solicitors etc etc. may negotiate F&f.
13/10/11 CCA request sent
13/10/11 SAR sent
31/10/2011..CCA received Niddy says
03/11/2011..CCA Query Missing prescribed terms
16/11/11..Letter received saying they know i live here and assume i am deliberately avoiding them. Ring to make arrangement or will be passed on for immediate recovery action
16/11/11.. ''SPECIAL OFFER'' letter received offering 50% discount if paid within 10 days
15/12/2011..letter received saying as i'm ignoring them they've made the decision to register the account as in default and pass to a specialist DCA and the Co op will not enter into further discussion regarding the debt
17/12/2011..b/f and closing statement received. interest being added half yearly
18/12/2011.. refusal to accept ue status letter sent
07/01/2012..letter received thanking me for my complaint. Concerns will be investigated by a case handler and outcome sent in writing asap
11/ 01/2012...Letter received from MOORCROFT. Been instructed by Co op. Notice of Intended Litigation
12/01/2012..Threat by creditor..to commence litigation letter sent
20/01/2012..Letter received from Co op stating they have investigated and believe account is enforceable and we are liable, and this is their final response. If we're not happy complain to FOS within six months. Account now with Moorcroft
21/01/2012.. Letter from Moorcroft saying account on hold while they investigate matter with Co op
11/02/2012.. letter from Moorcroft with copy of agreement enclosed. Account on hold for 14 days to allow time to contact them to arrange a repayment plan after which they will commence further action
27/02/2012.. letter from Moorcroft..if i dont contact them following receipt of this letter they may recommend legal action.They go on to tell me a list of court charges
01/03/2012...Letter sent courtesy of Cleverclogs. See post 797
14/03/2012.. letter from Moorcroft saying their clients believe documents sent do meet requirements under setion 78. Go on to explain about Carey v HSBC. Want paying basically
25/03/2012..Letter from Moorcroft. MONTHLY INSTALMENT OFFER. As i haven't contacted them they feel we may not be in a position to clear the account in full.To stop legal proceedings they'll accept £120 per month

Sorry. This one even!!

[CleverClogs (RIP)]

Re: New and confused

Actually send this to Freds with a photocopy RC's letter of 15th Feb.

I'd say it seems needlessly polite.

[Never-In-Doubt]

Re: New and confused

Sorry. This one even!!

Linky to CC Template here ---> allaboutFORUMS - View Single Post - New and confused

Ok, I think they've misunderstood things - send this back, quite simply... ---> Our Templates | Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status

[Never-In-Doubt]

Re: New and confused

I'd say it seems needlessly polite.

I know but lets give them one chance, after all as things stand it's not really their fault - lets see how much they annoy us (letters will get worse - you know that much )

[CleverClogs (RIP)]

Re: New and confused

I know but lets give them one chance, after all as things stand it's not really their fault - lets see how much they annoy us (letters will get worse - you know that much )

But... but... but I want to be rude to them again!

[Never-In-Doubt]

Re: New and confused

But... but... but I want to be rude to them again!

Ok, you can have the next go -

[samsmum]

Re: New and confused

Dear Cur or Madman,

Thank you for your boorish letter which I received today.

I will not telephone your company so that your telephone operatives may harangue and browbeat me. I have already contacted you in writing and am doing so again.

I have already indicated to you that I consider the alleged "executed agreement" to be unenforceable as it omits one or more of the prescribed terms as stipulated by the Consumer Credit (Agreements) Regulations 1983.

I note that you sought to worry or intimidate me by listing various costs you aver will be added to the alleged debt if you win in court.

If.

You may care to note the words of the current OFT Debt Collection Guidelines and the OFT considers such letters to be a potentially unfair or oppressive business practice in breach of paragraphs 2.2b, 2.4b and/or 2.6g of the DCG.

You must surely know that this alleged debt is unenforceable and uncollectable, so why waste your time and mine by pretending otherwise?

Yours Faithfully,

Clever Clogs

-----------------------------------------------------

You were very restrained yourself CC in this last letter you did for me

[Never-In-Doubt]

Re: New and confused

You were very restrained yourself CC in this last letter you did for me

I still think mine wins hands down

How would you feel if I told you that someone from JDW joined our forums earlier....?

* still not decided if I am going to ban them yet

[CleverClogs (RIP)]

Re: New and confused

How would you feel if I told you that someone from JDW joined our forums earlier....?

Curious...

* still not decided if I am going to ban them yet

Before I've had a chance to char-broil them?

[Never-In-Doubt]

Re: New and confused

Curious...

A manager as well

Wants to try and help

[CleverClogs (RIP)]

Re: New and confused

A manager as well

Wants to try and help

I've a (real) length of rope he could use.

[pooky2483]

Re: New and confused

But... but... but I want to be rude to them again!

...Like my OH (I can't say 'missus' as she'd kill me lol) ...
'You're not happy unless you're complaining' (meaning along the lines of writing letters to complain about stuff and other such like)

[samsmum]

Re: New and confused

A manager as well

Wants to try and help

Sorry??? Why do they not want to help when you're off work sick and ask them to accept reduced payments for a few months. They refuse to accept and continue to add ridiculous charges and £12 for every letter they send,bombard you with phone calls and employ the rudest people ever. They were one of of our smallest debts but the worst to deal with and the one's who made us think bankruptcy was our only option. Apart from that i love em!!!