Sub Prime Credit Thread Part III

Innocent_Guy

NiD and the unlimited amount of letters LOL!

Innocent_Guy

Barclays normally report all current account conduct to the CRA's how odd?

never-in-doubt

Ok mate send something like this. Remember that you're blagging a little in the hope they remove all data - as i've just read there is no data you have to decide whether to just ignore cabot and see if they go away. To be honest, if they eventually add a default or anything then you can send the letter below.... do you see what I mean? Keep it as a back up and just ignore cabot.

See what happens - being there is nothing showing i'd be prone to ignore them for the time being.

Letter as below, you'd send to both of them mate:

---

Account In Dispute

Dear Cabot/Barclays

Ref: Account Number XXXXXXXX / Account Formally in Dispute

I write with reference to the above numbered account and recent developments which have, to say the least, horrified me.

I took this account out in XX XXX 2009 and agreed to utilise your account transfer facility which would have taken my DD's and balance from my existing account and moved them to my new Barclays account. However, after repeated problems throughout my account opening process; such as no debit card after 2 weeks and failure to complete the transfer of my direct debit mandates, I made the decision to no longer accept the account and wrote to you on XX XXX 2009 advising that I wish to cancel my application in line with your cancellation policy. This was within a couple of weeks of opening the account to which you responded to me confirming the account was closed.

I thought nothing else of this account until recently I received a weird letter from Cabot advising me that I owed them £XXXX. I was confused and so spoke to them on the phone and they confirmed that this was to do with my old Barclays account and something about an overdraft because of a failed direct debit. Due to my initial shock I agreed to make repayments of £10 per month, however after having time to digest the news I feel that I am being harassed for a debt that should not exist let alone be associated to me in any way whatsoever.

I do not accept that this debt is mine, more so because I closed the account within 14 days due to Barclays being unable to complete their obligations in line with their own terms and conditions and was never notified about any overdrawn account; I propose the letter confirming closure would have mentioned this, if it were indeed true?

Regardless, you have no legal entity to ask me to repay and nor am I prepared to. I am therefore formally placing this account into dispute. You are also to consider this letter a statutory notice under s.10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

Should you refuse to comply, you must within 14 days, provide me with a detailed breakdown of your reasoning behind continuing to process my data. May I remind you that it is not sufficient to simply state that you have a ‘legal right’; you must outline your reasoning in this matter and state upon which legislation this reasoning depends. Should you not respond within 14 days I accept this means you agree to remove all such data.

Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute. The following must be taken note of;

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.
* You may not add further interest or any charges to the account.
* You may not pass the account to a third party.
* You may not register any information in respect of the account with any credit reference agency.
* You may not issue a default notice related to the account.

I reserve the right to report your actions to any such regulatory authorities as I see fit. I look forward to your response with your intentions to resolve this matter, which is now a formal complaint. I would also appreciate your due diligence in this matter and look forward to hearing from you, in writing, within 14 days.


Yours faithfully,
Print name do not sign

cifpower

Thank you ever so

never-in-doubt

cifpower wrote: »

Thank you ever so

you're welcome mate. it is specific to you, but note you have to fill in the blanks - if you dont know exact date just put the month and year! Good luck - are you going to try the silent treatment then?

linton73

Did you really knock that letter up in just afew minutes very impressed if you did NID

good luck cifpower

never-in-doubt

linton73 wrote: »

Did you really knock that letter up in just afew minutes very impressed if you did NID

good luck cifpower

Yes mate - its specific to CIF isn't it lol - took 13mins LOL

I can type fast lol (used various elements from my other letter templates but top part is my doing)

Parki_2

My Capital One Card arrived at last woohooo! Plastic at last

seeya23

good evening to all

seeya23

Parki wrote: »

My Capital One Card arrived at last woohooo! Plastic at last

what your limit ????