I really can't cope with this!!!!!!!!!

rainbowsandflowers

10past6 wrote: »

Yes, the letters are just standard template letters :mad: :mad:

Yes

that being the case - don't know how they sleep at night!!!!

Jesthar

rainbowsandflowers wrote: »

that being the case - don't know how they sleep at night!!!!

Probably a darn sight better than the poor people they harrass! You always wondered what happened to all the idiot bullies you used to know at school, right - you remember them, the ones whose braincells had to huddle together for warmth and whose only talent was causing misery? Well, now you know... :mad:

Anyway *hugs*, and send that letter 10past6 posted for you, and remember to NOT sign it - just type or print your name. Forgery is another tactic some of these lowlifes stoop to, so neer give them anything with a signature on.

~Jes

rainbowsandflowers

Jesthar wrote: »

Probably a darn sight better than the poor people they harrass! You always wondered what happened to all the idiot bullies you used to know at school, right - you remember them, the ones whose braincells had to huddle together for warmth and whose only talent was causing misery? Well, now you know... :mad:

Anyway *hugs*, and send that letter 10past6 posted for you, and remember to NOT sign it - just type or print your name. Forgery is another tactic some of these lowlifes stoop to, so neer give them anything with a signature on.

~Jes

Thanks Jes, I feel much better after speaking to everyone on here. I've got the letter printed and ready to post along with a copy of the previous letter that i have from them stating that they can't provide proof and al see what comes from that. I definately won't sign it either - just in case x

rainbowsandflowers

Got another letter this morning. A blank credit agreement this time, that one of the catalogue company's now wants me to sign, because apparantly they can't locate the original ........ HA, I DON'T THINK SO! I CANNOT BELIEVE THE CHEEK OF IT!!!! I don't think that they will have received my second letter prior to sending out this so don't think I am even goin to bother to reply.

Now that I have a level head today, unlike a few days ago, I just wanted to thank everyone once again, that has given me advice regarding this matter - I really really do appreciate it. I have a meeting with the CAB on Tuesday so I'll just wait and see what happens now and see if I get a reply to the letter that 10 past 6 kindly posted.

Thanks again everyone x x x

Jesthar

rainbowsandflowers wrote: »

Got another letter this morning. A blank credit agreement this time, that one of the catalogue company's now wants me to sign, because apparantly they can't locate the original ........ HA, I DON'T THINK SO! I CANNOT BELIEVE THE CHEEK OF IT!!!! I don't think that they will have received my second letter prior to sending out this so don't think I am even goin to bother to reply.

Now that I have a level head today, unlike a few days ago, I just wanted to thank everyone once again, that has given me advice regarding this matter - I really really do appreciate it. I have a meeting with the CAB on Tuesday so I'll just wait and see what happens now and see if I get a reply to the letter that 10 past 6 kindly posted.

Thanks again everyone x x x

:rotfl: Thanks, rainbows - you just gave me a much needed laugh!

"I'm sorry, we just discovered we can't prove you owe us anything - please could you sign here to make yourself liable for this debt?" :rolleyes: Honestly, what response were they expecting?!?

And you're welcome - let us know how thinds go, hey?

~Jes

RAS

RAF

You will find NDL extremely helpful regarding this sort of thing. http://www.moneysavingexpert.com/loans/debt-help-plan#help

Their phone lines are open into the eveing as well, so you can get a quicker response that going to CAB.

If these debts were for loans, credit cards or catalogues and were taken out before April 2007, then they have to produce a signed consumer credit agreement in order to enforce the debt in the courts.

I would suggest that you write to their complaints department and enclose your crime reference number, advising them that the debt may be in your name but that you did not taken them out. It is the responibility of the creditor to do a proper check of the identity of the debtor. Demand that they take your details off their records.

Therefore you will not be paying, and any further contact will result in complaints to the OFT, Trading Standards and the IO.

if they do anything after that, then make a full subject access request. If they are hiding the CCA because it is not legally enfoceable, this forces them to disclose it to you.

bathgatebuyer

The man from a few days ago sounds vile - if anyone even suggested thet were taking my animal away, pedigree or not, I'd kill them! What a disgusting way to behave.

Well done with the CCA result. They can sing for it if they like. I hope you've taught the dog how to wave because when they next turn up, you can both wave them back down the garden path penniless. Of course, if you can teach the dog any other suitable hand movements, that would serve the purpose equally well!

rainbowsandflowers

Well, another letter received today from Moorcroft. After receiving a letter from them stating that they cannot produce a CCA - they said in their letter that as they cannot prove it is my account the debt was unenforceable. Then received a letter from them threatening litigation (BIG BOLD RED LETTERS at the tope). I ignored this letter due to receiving the previous one. Now today have received another saying that they are willing to except £XXX a month as payment, failing which they may start legal proceedings.

Can someone please advise, are these just standard letters that they are sending??? It all seems so pathetic. I am kind of thinking about just leaving things and letting them take me to court (if they wish) and showing all correspondence and info from the police to the court. Would that be a good or bad idea? Thanks again all x x x

boredofbeingathome

bathgatebuyer wrote: »

The man from a few days ago sounds vile - if anyone even suggested thet were taking my animal away, pedigree or not, I'd kill them! What a disgusting way to behave.

Well done with the CCA result. They can sing for it if they like. I hope you've taught the dog how to wave because when they next turn up, you can both wave them back down the garden path penniless. Of course, if you can teach the dog any other suitable hand movements, that would serve the purpose equally well!

:rotfl: :rotfl: Sorry i know there are some difficulties, but this did make me smile.
I totally agree as well, nasty pieces of work.
If they say that the debt is unenforceable, photocopy the letter and send the copy back, saying you trust there will be no further correspondence and you would be happy to go to court the FSA and anywhere else to discuss their treatment and misleading tactics. For good measure you could add that you are also contacting watchdog to see if they wish to add any comments furthering their investigation of them.:D I think it was them they investigated just off to check, if not maybe they would like to investigate them.
Couldn't find anything but there is a nice section about adding your story....

Jesthar

Ah, welcome to Stage Two - which, roughly translated, is 'OK, we've admitted we can't enforce this debt, but 'please' pay us anyway?' :rolleyes:

Providing you're sure this is the same debt, I think you'd be safe to ignore this one. Or I think there might be a template letter which runs along the lines of 'You already admitted you can't enforce this debt, so get lost or I'll be theone taking legal action.' You might want to include a photocopy of the letter they sent you admitting they can't enforce the debt, maybe with nice big arrows and circles on highlighting their admission...

~Jes