Oct Revolution's UE Diary

[Oct Revolution]

Re: October Revolution's UE Diary

Cheers matey - lets see what round 75 brings eh?

Yeah,

I'm dusting my gloves down as we Speak/Type !!

[MustGetStraigh]

Re: October Revolution's UE Diary

Yeah I'm doing just that roomtobreathe - thanks,

Although they are using about 4 or 5 different numbers which I check on whocallsme.com to check who it is first then program my phone to flag up "Dont Answer" when the calls come through.

What phone are you using - sounds a very useful facility!
Congrats on beating Moorcroft, they are right pain in the bum.

[Oct Revolution]

Re: October Revolution's UE Diary

What phone are you using - sounds a very useful facility!
Congrats on beating Moorcroft, they are right pain in the bum.

Thanks for that MustGetStraight.

The phone is just a standard run of the mill phone. It's a Panasonic KX-TG6411E with two bases/handsets with "Caller Display". So when a call comes through where I don't recognise the number I just leave it and don't answer. I then go onto Who called me? Free reverse phone directory. to check the number and see who it was. If its a DCA I just log that number into the phones phonebook/memory under "Don't Answer" (and a few letters to determine which DCA it is) and so the next time I get a call from that number it flags up "Don't Answer" and I just leave it.


Hope that explains it

[MustGetStraigh]

Re: October Revolution's UE Diary

Thanks for that MustGetStraight.

The phone is just a standard run of the mill phone. It's a Panasonic KX-TG6411E with two bases/handsets with "Caller Display". So when a call comes through where I don't recognise the number I just leave it and don't answer. I then go onto Who called me? Free reverse phone directory. to check the number and see who it was. If its a DCA I just log that number into the phones phonebook/memory under "Don't Answer" (and a few letters to determine which DCA it is) and so the next time I get a call from that number it flags up "Don't Answer" and I just leave it.


Hope that explains it

That's brilliant! I would never have thought of that - thank you.

[Oct Revolution]

Re: October Revolution's UE Diary

Thats no problem MustGetStraight,

I hope it helps.

On a night time if it gets too much I just turn the ringer off and place the handset near me so I can see the display light up if a call does come through. I can see at a glance if its "friend" or "foe" - without any ringing - and decide to answer or not.

[Oct Revolution]

Re: October Revolution's UE Diary

Wow these (Fredrickson International Ltd) are feisty buggers ! I only got a letter from them on Monday saying they have taken over my Egg account (acc. 9 on my list) and the calls have never stopped. I had 12 on Monday; 14 on Tuesday and so far today 7 !!! I'm not answering them but just getting a little annoying now.

I have sent the "Harassment by Telephone" template as advised by Nid so will wait and see what that brings.

Keep smiling everyone

Well the letter seems to have worked (fingers crossed and not wanting to tempt fate) but I have not received any calls from Fredrickson since last Friday.

Another mini-result and as ever thanks Niddy and others on here for all your help and advice.

[Never-In-Doubt]

Re: October Revolution's UE Diary

Best of luck - keep us updated

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 9

Egg

Activity:

06/10/10 - CCA Request sent
22/10/10 - CCA rec'd (will e-mail to NID for advice)
25/10/10 - "T&C's rec'd" Letter sent to Egg
04/11/10 - Letter rec'd for last; Egg looking into complaint, may take upto 8 weeks
23/11/10 - Reply from Egg ref my complaint:- "the docs provided constitute a true copy of agreement; now satisfied my request for CCA the complaint is now closed; regular monthly payments should continue". NID says bog standard letter ignore for now.

25/01/11 - Letter rec'd from Clarity " ...been instructed by EGG to make arrangements with you to repay above amount……are prepared to offer 15% discount as F&F…and will remain open for 7 days…if unable to pay contact them to agree payment plan….If we do not hear from you will consider options available to us…..inc. rep. visiting or where agreement remains legally enforceable, recommend to client that their solicitors be instructed to commence legal action” Nid says to send "Threat o Gram before action" letter.

27/01/11 - Above letter sent

02/02/11 - Calls received daily from Clarity - Ignoring/Not answering.
08/02/11 - Letter rec'd from Clarity:“we wrote recently but note we have not reached an agreement with you…your acc is in default and full balance is payable immediately….if the agreement remains legally enforceable we will consider recommending our client/solicitors commence legal action.. if you ignore this letter further recovery action will take place…to prevent this pay balance/arrange repayment by instalments via web site; call; e-mail; send cheque”

10/02/11 - NID says ignore last as letter crossed with my letter of 27/01/11

18/02/11 - letter rec'd from Clarity: “thank you for your recent letter…..we have requested further info from EGG and will be in contact once we have received a response”. Assume it’s in response to my letter sent to them on 27/01/11 “threat o gram before legal action”. I will just file and wait to see what happens next.

27/06/11: - letter rec'd from Fredrickson International Ltd: “….instructed by Egg to collect outstanding balance….you have failed to pay outstanding balance despite repeated requests….full payment now due to avoid further action….contact us IMMEDIATELY to discuss this matter….payment should be made to Fredrickson International LTD….”. NID says ignore and see what they send next.

27/06/11 - Receiving over 14 calls a day from Fredrickson: "Harassment by Telephone" letter sent.

05/07/11 - The letter as worked as calls seem to have stopped for now.

Morning Niddy,

I have a quick update to above account:

Letter rec'd from Fredrickson International Ltd:

"....as arranged we have enclosed our official Financial Statement form for you to complete....we can not consider your circumstances unless you complete and return...."


They say "as arranged" I've not arranged anything with them. I assume I just file this away/ignore and see what they do next.


Thanks Nid

[Never-In-Doubt]

Re: October Revolution's UE Diary

Yep - just ignore till they come back to you with something more ermmm, pertinent

[Oct Revolution]

Re: October Revolution's UE Diary

Thanks niddy,

Will do.

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 8

Royal Bank of Scotland

Activity:
06/10/10 - CCA Request sent
01/11/10 - CCA rec'd
02/11/10 - Niddy says:UE "Application form" rec'd - Letter sent.
18/12/10 - Letter rec'd from RBS “….disappointed you have failed to comply with our agreement; unless an immediate payment is made to your account & regular payments thereafter we have no alternative but to place account in hands of external DCA without prior warning”

22/12/10 - Niddy says ignore last until I hear from DCA
04/01/11 - Receiving calls daily from RBS, but I don't answer.
07/01/11 - Letter rec'd from RBS (dated 21/12/10) “as you have failed to respond to banks previous demands, we have no alternative but to commence further proceedings for recovery…….we urge you to call to resolve this matter……..failure to do so may result in account being passed to external DCA without further warning or delay”. Ignored last letter.

29/01/11 - Letter rec'd from TRITON "RBS have placed your account with us for immediate collection.......to avoid further action forward cheque for full amount by return...or pay by credit card over the phone.....if unable to make payment call office immediately......"

02/02/11 - Niddy says send "CCA query - application form rec'd" template to Triton.
03/02/11 - Above letter sent.
19/02/11 - Letter from RBS in response to my “Application form received” letter I sent to Triton: "CCA is a true copy....do not consider the account to be in dispute....will be pursuing for full payment....see no reason to enter into further correspondence with the alleged CCA breaches." NID says ignore.

02/04/11 - letter rec'd from Triton:“disappointed that you’ve failed to make payment or repayment proposals…..no alternative but to consider further action…may be appropriate to request a debt recovery agent call on you to discuss repayment…would prefer not to take this action so call to discuss outstanding balance” NID says send "Threat of Legal Action & Refusal of Doorstep Visit

05/04/11 - letter sent.

14/04/11 - Letter rec'd from RBS is in response to my letter of 05/04/11: “ we do not consider acc to be in dispute….have fully complied with CCA request….indebtedness remains due and payable and will pursue for full repayment….this is our final response…if dissatisfied with this final response you may refer concern to FOS…..”. NID says ignore as their final response.

28/04/11 - Letter rec’d from Green & Co Solicitors: “….instructed by our client Triton/RBS….despite formal demand, amount remains unpaid….we are likely to be instructed to commence court proceedings….” NID says send "Threat o gram - before action". Letter sent

13/05/11 - Letter from Triton in response to my last letter: “….write with ref to recent correspondence ….our records show RBS complied with your CCA request with all relevant docs….further to this RBS issued a letter saying had complied with CCA 1974 and payment is due….and finally issued you a further letter with a final response again confirming all above and that acc is not in dispute….Therefore the balance is due for immediate collection…. contact us within 7 days to discuss repayment proposals….failure to comply will leave us no alternative but to take further action without warning or delay….”. NID says send Enough is Enough Template - letter sent.

13/06/11 - Letter rec'd from Risk Management Alternatives (RMA): ".... your RBS acc has been passed to us....the full outstanding balance is due in full....RBS will no longer accept communication from you.... future communication/payment should be made to RMA....contact us now to pay/agree suitable payment plan...." NID says ignore.

29/06/11 - Telephone harassment letter sent.

05/07/11 - The letter has worked as calls seem to have stopped for now.

Morning Niddy,

I have an update to above acc:

UPDATE: 09/07/11:

Letter from RMA: "....despite our attempts to reach suitable agreement the matter remains unresolved....if not rectified in next few days no alternative other than to recommend to client to take legal action....this is not our preferred route....if in difficulties speak to CAB etc....please call us today...."


Is there anything I need to respond with or do I just file/ignore.

Thanks,

[Deepie]

Re: October Revolution's UE Diary

Morning Niddy,

I have an update to above acc:

UPDATE: 09/07/11:

Letter from RMA: "....despite our attempts to reach suitable agreement the matter remains unresolved....if not rectified in next few days no alternative other than to recommend to client to take legal action....this is not our preferred route....if in difficulties speak to CAB etc....please call us today...."


Is there anything I need to respond with or do I just file/ignore.

Thanks,

send this> Account Sold whilst in Dispute

[Oct Revolution]

Re: October Revolution's UE Diary

Thanks In 2 Deep,

I will get "Account Sold Whilst In Dispute" letter off today.

[Never-In-Doubt]

Re: October Revolution's UE Diary

Thanks In 2 Deep,

I will get "Account Sold Whilst In Dispute" letter off today.

Awesome - keep us updated

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 9

Egg

Activity:

06/10/10 - CCA Request sent
22/10/10 - CCA rec'd (will e-mail to NID for advice)
25/10/10 - "T&C's rec'd" Letter sent to Egg
04/11/10 - Letter rec'd for last; Egg looking into complaint, may take upto 8 weeks
23/11/10 - Reply from Egg ref my complaint:- "the docs provided constitute a true copy of agreement; now satisfied my request for CCA the complaint is now closed; regular monthly payments should continue". NID says bog standard letter ignore for now.

25/01/11 - Letter rec'd from Clarity " ...been instructed by EGG to make arrangements with you to repay above amount……are prepared to offer 15% discount as F&F…and will remain open for 7 days…if unable to pay contact them to agree payment plan….If we do not hear from you will consider options available to us…..inc. rep. visiting or where agreement remains legally enforceable, recommend to client that their solicitors be instructed to commence legal action” Nid says to send "Threat o Gram before action" letter.

27/01/11 - Above letter sent

02/02/11 - Calls received daily from Clarity - Ignoring/Not answering.
08/02/11 - Letter rec'd from Clarity:“we wrote recently but note we have not reached an agreement with you…your acc is in default and full balance is payable immediately….if the agreement remains legally enforceable we will consider recommending our client/solicitors commence legal action.. if you ignore this letter further recovery action will take place…to prevent this pay balance/arrange repayment by instalments via web site; call; e-mail; send cheque”

10/02/11 - NID says ignore last as letter crossed with my letter of 27/01/11

18/02/11 - letter rec'd from Clarity: “thank you for your recent letter…..we have requested further info from EGG and will be in contact once we have received a response”. Assume it’s in response to my letter sent to them on 27/01/11 “threat o gram before legal action”. I will just file and wait to see what happens next.

27/06/11: - letter rec'd from Fredrickson International Ltd: “….instructed by Egg to collect outstanding balance….you have failed to pay outstanding balance despite repeated requests….full payment now due to avoid further action….contact us IMMEDIATELY to discuss this matter….payment should be made to Fredrickson International LTD….”. NID says ignore and see what they send next.

27/06/11 - Receiving over 14 calls a day from Fredrickson: "Harassment by Telephone" letter sent.

05/07/11 - The letter has worked as calls seem to have stopped for now.

08/07/11 - Letter rec'd from Fredrickson: "....as arranged we have enclosed our official Financial Statement form for you to complete....we can not consider your circumstances unless you complete and return....". I will ignore and see what happens next.

Morning Niddy,

I have an update to above account:

UPDATE: 14/07/11 - letter rec'd from Fredrickson: "LETTER BEFORE ACTION....this debt must be paid in full in next 7 days otherwise we will refer to solicitors who may take legal action without further notice....further additional costs will be added....bailiff may call....judgement would affect future credit....pay now...."



Do I need to reply with "Threat o Gram letter Before Action" or file/ignore.


I await your reply

Many thanks.