Delayed Letters From a Collection Agency.

OwtForNowt

Thanks. I will get that sent out in the morning and will send one to the bank about trying to claim back any charges on the overdraft. Can you also claim for charges on the Credit card i incured?

Thanks.

10past6

OwtForNowt wrote: »

Can you also claim for charges on the Credit card i incured?

Yes, although I suggest you take one stage at a time in order to remain up to date and in control of the process.

OwtForNowt

10past6 wrote: »

Yes, although I suggest you take one stage at a time in order to remain up to date and in control of the process.

Ok, thanks.

This may sound stupid but can i just put a 1 pound coint in the letter to cover the amount? Also who should i sent it to? The collection agency?

Thanks.

10past6

OwtForNowt wrote: »

This may sound stupid but can i just put a 1 pound coint in the letter to cover the amount?

Huh? Noooooooooooooooooooooooooo

Use a postal order

OwtForNowt wrote: »

Also who should i sent it to? The collection agency?

The company you're paying right now.

OwtForNowt

10past6 wrote: »

Huh? Noooooooooooooooooooooooooo

Use a postal order

The company you're paying right now.

Ok, thanks.

tinalives

Hi,

I've sent the above letter to Buchanan Clark + Wells on behalf of someone else, and he has now received a Final Notice demanding payment of the original amount minus the £1 (which we sent stating clearly that it represented the fee payable under the Consumer Credit Act 1974 for a copy of the signed credit agreement).

What should we do now? They obviously don't have a signed credit agreement as it doesn't exist, but they have in effect stolen the £1 fee for it, and are continuing to send threatening letters. If it were me I would just ignore them from this point forward, but this isn't really a good idea as the person on the receiving end is a 75 year old gentleman who is finding it all rather intimidating.

Any advice as to what to write in my next letter would be appreciated.

Thanks.

tinalives

I've just found a suitable template letter so hopefully once I've sent this one it should be the end of the matter.

OwtForNowt

Its been over 3 weeks since i sent my CCA request so im thinking;

a) Their famous posting system is affecting me again. or
b) They dont have it.

:think:

OwtForNowt

Im sorry for keeping on bumping my thread up, but what happens if they do not have a copy of my agreement or it is not enforcable? Iv had a search to see what it means but i cant find it.

Thanks.

GeorgeUK

They have 12+2 working days from when they received the letter. Do you know when it was received?

If they don't produce the CCA then the debt is unenforcable. This means that payment need not be made, that they cannot add interest or charges to the account and they shoudl not pursue you for payment until they fulfill their legal obligation to provide a properly executed CCA.

You should be getting ready to send the 12+2 day letter. This will inform them that you consider the account to be in dispute, that you do not give them permission to process your information (under section 10 of the Data Protection Act) and that the debt is now unenforcable.

If they do pursue you for payment after failing to supply the CCA, you should notify TS as this would be a breach of the OFT debt collection guidelines.