Pookies UE Diary

[pooksthebear]

Re: Pookies UE Diary

That is exactly the opposite attitude to the one which is needed to win this game. The objective is to achieve a period of six years with no payment or written acknowledgment of the alleged debt, so time wasting is positive and helps you achieve this.



As that idiotic excuse for a response doesn't contain any threat, or anything else of the remotest consequence, why bother wasting your time or money crafting any retort?

Let them waste their own time. They are idiots. Don't waste yours. You are not.

SH

Yep your right of course SH!! The CCA is rubbish and unenforceable anyway so I will let them get on with it. Ive been down this road a few weeks back, the next letter to come will be another doorstep threat letter.. which I will just ignore

Cheers, Pooks

[ScabHunter]

Re: Pookies UE Diary

Im getting seriously fecked off now with this tooing and froing

That is exactly the opposite attitude to the one which is needed to win this game. The objective is to achieve a period of six years with no payment or written acknowledgment of the alleged debt, so time wasting is positive and helps you achieve this.

What now.. any thoughts how I can shut these idiots up?

Kind Regards, Pooks

As that idiotic excuse for a response doesn't contain any threat, or anything else of the remotest consequence, why bother wasting your time or money crafting any retort?

Let them waste their own time. They are idiots. Don't waste yours. You are not.

SH

[pooksthebear]

Re: Pookies UE Diary

I would send this -

Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received)

along with this -

Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit

Don't worry about these idiots - they are useless. The fact that they are wasting time with these silly inconsequential threats and making puerile discount offers means that they won't be attempting litigation any time soon.

SH

Hi everyone,

Right well I sent the above to Westcot and the idiots have now sent me yet another letter as follows:

Following your recent request for a copy of the signed agreement, our client has requested you write to the following address and state in your covering lettr that this a section 77/78 request and enclose a £1 postal order.

Im getting seriously fecked off now with this tooing and froing... I thought the above letter that I sent was self explanatory.... What now.. any thoughts how I can shut these idiots up?

Kind Regards, Pooks

[pooksthebear]

Re: Pookies UE Diary

Hi.. Niddy if you are about could you have a peek at this for me please. This CCA is enforceable. I was having problems trying to find out who the debt came from and I thought it was BOS. CL finance became the creditor at some point. It was then assigned (very recently) to Lowell.

I sent Lowell a CCA request and they have written back to say they have requested it from GE Money. So.. are GE money the original creditor and/or does their involvement change anything as regards the enforceability?

Here is the post where this was discussed ages ago

allaboutFORUMS - View Single Post - Pookies UE Diary

allaboutFORUMS - View Single Post - Pookies UE Diary

Thanks, Pooks

[pooksthebear]

Re: Pookies UE Diary

I would send this -

Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received)

along with this -

Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit

Don't worry about these idiots - they are useless. The fact that they are wasting time with these silly inconsequential threats and making puerile discount offers means that they won't be attempting litigation any time soon.

SH

Thanks SB, will send them tomorrow! Sick to death of them contacting me now.

Do you know if they have any connection to Mortimer Clarke Solicitors? Or is it just coincidental that the headed paper of their solicitors - Nelson Guest - is identical to that of Mortimer Clark?

Thanks again, Pooks

[ScabHunter]

Re: Pookies UE Diary

I would send this -

Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received)

along with this -

Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit

Don't worry about these idiots - they are useless. The fact that they are wasting time with these silly inconsequential threats and making puerile discount offers means that they won't be attempting litigation any time soon.

SH

[pooksthebear]

Re: Pookies UE Diary

Hi, can anyone give me any advice on the above post please?

Thanks Pooks

[pooksthebear]

Re: Pookies UE Diary

Hi everyone, I am still having problems with Westcot regarding this

Pookies UE Diary - allaboutFORUMS

I first got a letter (dated 8th Feb) from Nelson Guest & Partners solicitors basically saying that while Westcot are still willing to consider realistic options for repayment, the matter cannot remain outstanding any longer and if no arrangement made within 10 days further recovery action will be taken. The font, colour and set up of the Nelson etc letter is identical to Mortimer Clark.. are they one and the same?

I then got a letter dated 19th Feb from Westcot saying .. as we know of no genuine reason why you have failed to repay the outstanding balance, instructions will now be provided to Credit Security, a doorstep collection agency, to make an appointment with you to visit your home address. The purpose of this visit is to agree with you how you will repay the debt.

You have a final opportunity to avoid referral to Credit Security, by telephoning us urgently to agree a suitable method of repayment of the outstanding balance.

So..to recap..

1. CCA request sent to RBS.. CCA came back and was deemed unenforceable, I did not contact RBS regarding this. They have now passed the debt to Westcot for them to chase.

2. I sent Westcot a letter saying account is formally in dispute with RBS for failing to comply with my CCA request.

3. Get final notice from Westcot

4. Get letter from Nelson Guest Solicitors asking me to contact them as they can offer me a reduced settlement

5. Wescot write back and ask me to send a CCA request and £1 postal order.

6. Further letter received from Nelson Guest Solicitors demanding payment

7. Doorstep threat letter received from Westcot

And in between all this i have at least two phone calls a day from them.

So.. what now? Should I send them a letter saying ive already received the CCA and its unenforceable.. and send the telephone harrassment letter and doorstep threat letter to boot?

Cheers, Pooks

[pooksthebear]

Re: Pookies UE Diary

As far as i know, trace searches dont harm your CRA, do they? its not a search based on credit score for a loan etc.

If its a table 1 search then it does unfortunately and its on there for 2 years!

[SXGuy]

Re: Pookies UE Diary

As far as i know, trace searches dont harm your CRA, do they? its not a search based on credit score for a loan etc.

[pooksthebear]

Re: Pookies UE Diary

1) Don't worry about those cretins, they are useless, and more of a danger to themselves than they will ever be to anyone else.

2) Send this -

Our Templates | Harassment & Intimidation Templates | Harassment by Telephone

3) They always ignore our letters as they know they have no answer to them. In the end, they are just impotent bullies who have nothing to hurt anyone with. Wait for the next letter, if they can find a literate employee to write one.

SH

Cheers, I will just hang on for next letter then and not waste money on a stamp. When I do write though Im gonna tell them to get that trace search removed off my credit file, they know full well where im living and have even stated that in a letter! Idiots!!

Pooks

[ScabHunter]

Re: Pookies UE Diary

Any ideas?

1) Don't worry about those cretins, they are useless, and more of a danger to themselves than they will ever be to anyone else.

2) Send this -

Our Templates | Harassment & Intimidation Templates | Harassment by Telephone

3) They always ignore our letters as they know they have no answer to them. In the end, they are just impotent bullies who have nothing to hurt anyone with. Wait for the next letter, if they can find a literate employee to write one.

SH

[pooksthebear]

Re: Pookies UE Diary

Hi everyone

Right regarding this post allaboutFORUMS - View Single Post - Pookies UE Diary

I am now receiving regular calls from Westcot and they have done a trace search of my credit file which is very odd considering in the letter I got from them on the 21.12.12 they clearly state that after several checks they have determined that I am resident at this address.. why then the trace!! They seem to be ignoring my account sold in dispute letter and carrying on as normal with the harrassment. Any ideas?

Thanks, Pooks

[pooksthebear]

Re: Pookies UE Diary

Hi everyone, worrying development on Saturday as I received a letter from Mortimer Clark (acting on behalf of Marlin who were assigned the debt from Yorkshire Bank.. not a good combo these three).. anyway they have miraculously managed to find my CCA.. Marlin couldnt find it when I asked them for it over a year ago!! Anyway I have uploaded it for Niddy, lets hope its UE as this combo worries me.

Thanks Pooks

[pooksthebear]

Re: Pookies UE Diary

Daughter has had all those, funny order they came from Wescot, seems to have gone quiet for a while as they say 30 days wait to Get stuff from o.c.Must get something any day now.

Well its obvious that Westcot have not been in touch with RBS or surely they would know that a request had already been made! Bunch of idiots the lot of them.

One of mine went quiet and not heard anything for over 6 months so im expecting to hear from them.. hope I dont but I cant see them leaving it