SXGuy's UE Diary

[SXGuy]

Re: SXGuy's UE Diary

Ok so got another letter from Freds today re Mint.

Ignored the last one, this one is there standard template letter, saying contact within 7 days or may proceed to recover debt via courts. It also lists fees that would be added should they obtain judgement.

So as this will be the first time ive contacted them regarding this debt, ill fire off the SWID letter in the morning, the game is now on AGAIN

[vint1954]

Re: SXGuy's UE Diary

Indeed, then just a one liner referring them to previous unanswered communications.

[SXGuy]

Re: SXGuy's UE Diary

Another Wee update (surprised their typing letters and not out in this nice weather!)

Westcot RE Mint, seems they have gave back to OC as the debt is now appointed to Fredrickson to collect.

First ive heard of it is the welcome letter from Freds today, says if they do not hear from us they will write and/or phone.

So ill let this one file away and wait for the next letter before sending off a SWID

[garlok]

Re: SXGuy's UE Diary

Post deleted. Another senior moment
regards
G

[vint1954]

Re: SXGuy's UE Diary

You could ignore, but I always like to have the last letter on file.

A one liner would be fine.

[SXGuy]

Re: SXGuy's UE Diary

In regards to Link and IDR, id hedge a bet and say that ignoring my letters informing them that the account is UE is their way of not admitting it and continue to chase in a vein attempt of payment being made.

I know Link have issued proceedings in the past, but of course every situation is different.

If my last contact from them was April and this letter isn't really threatening anything, should I ignore and file away or send a one liner referring to my letter sent in April to IDR?

[garlok]

Re: SXGuy's UE Diary

I understand where your coming from mate, but they ring the business phone at all hours, and its just simply to much to constantly answer the phone thinking its a client, when its not, then having to note the date and time.

It isn't very good when we have a client sitting there and the phone rings and its them either, makes us look very bad in my opinion.

I realise the effect it would have in court and how it would work in our favour, but it just isn't manageable given the situation.

Fair enough. I can understand your position.

regards
G

[SXGuy]

Re: SXGuy's UE Diary

Could work, depends how I play it, In some cases where my mother stated on the applications that she was self employed she gave her work number which is how they have it, with others I guess they used 192 to find it as our private number is x directory.

If I send them a letter as you mentioned, would I not have to supply a new number? if I give them a private number to log calls it opens the flood gates again, if I give them Niddys 08 number I have no recourse as it goes unanswered.

Perhaps the next letter I receive from BCW could be responded to with a reminder to review my last letter plus a section regarding what you mention above.

[The Tech Clerk]

Re: SXGuy's UE Diary

I understand where your coming from mate, but they ring the business phone at all hours, and its just simply to much to constantly answer the phone thinking its a client, when its not, then having to note the date and time.

It isn't very good when we have a client sitting there and the phone rings and its them either, makes us look very bad in my opinion.

I realise the effect it would have in court and how it would work in our favour, but it just isn't manageable given the situation.

Since they keep ringing a businees phone report them to the regulator, and also tell them that proceedings may start and to read the Roberts v BOS case, also charge them for your time responding from now on. or tell them for every call they make to your works will incurr a charge, and that to make any more calls to the wotks number will be acceptance of the said charges per se.?

[SXGuy]

Re: SXGuy's UE Diary

I understand where your coming from mate, but they ring the business phone at all hours, and its just simply to much to constantly answer the phone thinking its a client, when its not, then having to note the date and time.

It isn't very good when we have a client sitting there and the phone rings and its them either, makes us look very bad in my opinion.

I realise the effect it would have in court and how it would work in our favour, but it just isn't manageable given the situation.

[garlok]

Re: SXGuy's UE Diary

Just a little thought SXGuy. Why block the calls. We did not know any better so we didn't block any calls so put up with the harassment and abuse. However we kept a log and that ahs proven to be very useful. It is also legal advice and now reinforced by the "Roberts v BoS" CoA judgement that you cannot claim harassment or the crossing of the line into criminal behaviour if you have not answered the calls.

We built up a very useful tool despite the grief it caused us at the time with which to now hit them with and in the end it became a blood sport for us. the recent SAR we did revealed all sorts of things like operators complaining to their managers that I was a "Yob", awkward, obstructive, offensive, used profane language and had told one operator that I had told him twice to go and boil his head. without mention that they were actually in total breach of the OFT guidelines, told lies and demanded monies not owing with menaces. Ho Hum but they did admit to calling us regularly in the middle of the night and in the small hours. Complaining that there was no answer after four rings.

So there are two sides to the answer or not to answer thoughts.

regards
G

[SXGuy]

Re: SXGuy's UE Diary

Hey guys, little update, so the phone calls turned out to be BCW, which ive now blocked.

Received letter today from Link financial in respect of IDR Finance.

Just says please call us without delay, would like to discuss options, ignoring wont make the debt go away, may have to review info held by CRA blah blah.

Nothing threatening.


Both Link and IDR Finance have ignored every single dispute letter ive sent them in the past, so I fear replying to this one isn't gonna do anything.

my last letter to IDR was creditor refusal to accept UE status I believe, as they have yet to supply any T's and C's from my CCA Request which they ignored and didn't hear from them again until now with this letter.

Last letter received from them was 25th April so quite a few months! below is the last communication I had from them before this letter today. Im thinking ill just ignore and file away, if anyone else thinks I should send something, please let me know!

Hey guys update time again.

This one is a real puzzle.

IDR Finance (Link) on behalf of Barclaycard.

About 2 weeks ago i received a default notice, asking for an arrears of £10.

This is clearly wrong as a) BC issued a DN begining of last year, and subsequently terminated the agreement, which is when they passed it to IDR.

Ive today received a letter from IDR again, saying i failed to act on the DN and if £10 isnt paid within 10 days, they will terminate the agreement (no threats of court etc)

Now, im unsure what to do with this one. They have clearly made a mistake by issuing a DN and treating the account as though it was originally theres, when i know full well it wasnt (plus their ref is BC's account number)

Could this be their attempt to correct some mistake in the past and issue legal proceedings, or perhaps they just dont know what they are doing?

Either way, it all adds to a defence should they ligitate.

This is the first DCA ive come across whos issued a DN AFTER being sold the debt from an OC, so bit puzzling.

How can you issue a DN and threat of termination for an account already defaulted, terminated and sold on? LOL

[SXGuy]

Re: SXGuy's UE Diary

no update as such, just nothing else heard from anyone for a while.

Someone keeps ringing with a withheld number and asking for the wrong last name all the time, but thats about it.

[SXGuy]

Re: SXGuy's UE Diary

LOL i think i may go for your plan too nightwatch, sounds like a better one to me!

[nightwatch]

Re: SXGuy's UE Diary

Little update BCW re M&S have sent a letter, just a general "ways in which we can help" letter.

Goes on about ways to pay, and the best bit i like was

"Stop us constantly calling you" - "When we have an agreed repayment, we wont bug you by telephone"

I found that paragraph quite interesting.

Filed for now.

mine said 'if I agree a repayment plan they promise to stop calling' then further down it said they wouldn't call for 6 months once the plan was in place.

so I chose my own plan 'ignore' and let them call my truecall every day except sundays, building up quite a list of dates and times of calls.