help with bryan carter & co

DVardysShadow

supakid wrote: »

thank you so much for your replies i went on national debtline's website and created this

I write with reference to the money which you are claiming on the above account.
I can confirm that I am unable to offer to pay the money which I owe in full.
I work part time and i am a student
However, I can raise £350 and I want to offer this as an ex-gratia payment in full and final settlement of the
account.
This offer is made on the clear understanding that, if accepted, neither you nor any associate company will
take any further action to enforce or pursue this debt in any way whatsoever and that I will be released from
any further liability.
I also request that, if accepted, you will make an entry on a credit reference agency file relating to the above
account as ‘satisfied’ in full.
Payment can be made within 2 weeks of receiving your written agreement to this offer and indication of your
preferred method of payment.
I look forward to receiving your reply.
Yours faithfully

Much better approach.

sued1056

my daughter in law sent a request for cca to bryan carter after she received a letter from his company she enclosed a 1..00 postal order he has now returned postal order stating that she must request cca from original creditor even though the debt was passed to his company can anyone help out as what to do next thanks ;

pepe2008

Send it straight back to them . It is their duty to pass it on to the OC.
Send it recorded delivery .

Tixy

Pepe - Fermi mentioned yesterday that this has sort of changed given the OFT guidance last month - see his post here http://forums.moneysavingexpert.com/showpost.php?p=38154826&postcount=4

sued1056

pepe2008 wrote: »

Send it straight back to them . It is their duty to pass it on to the OC.
Send it recorded delivery .

thanks i will inform my daughter in law you have been a great help

pepe2008

As I read it , if BC now own the debt then its up to them . It's a bit contradictory this new guidance , seems to be yet another example of re-interpretation if the same old words.
Write to OC, but mention that the original request was to BC , that way if OC mess you around as well, you have proof of the start of the whole process .

timbstoke

Good start. They'll come back to you with one of three answers - they'll either accept your offer (doubtful), demand full payment (semi-likely) or come back with a counter-offer (my guess). Either way, thats when you make your choice. If they accept, pay up quickly - just make sure that the letter they sent acknowledges that the amount is in full and final settlement.

If they refuse and counter-offer, decide whether the counter offer is acceptable - bearing in mind that if they take you to court, it'll be for the full amount. If they counter with, say, £600, I'd be tempted to write back including a cheque for £450, reiterating that you really can't afford more and asking if they'll consider the enclosed in full settlement. It might work.

If they demand the full amount, come back here. You already acknowledged that you owe it and that you can afford it, so you're really just trying to get off light. Nothing wrong with that, although I'm sure some moral crusaders will disagree with me.

When I was in your situation, I made promises of payments every fortnight, mostly because thats how often I got paid. The other advantage of fortnightly payments though, was that by the time they wrote back telling me how unacceptable my proposal was, I just wrote back to them, basically saying "Sorry, that's all I can afford. Here's my next instalment". Repeat until paid, basically. They knew they were getting their money, and I knew they were just blowing off steam because they were never going to take me to court while they were getting regular payments.

mufc689908

I got a letter from them this morning, they work in conjuction with Fredrickson Intl.

As they ring me every day the cats !!!!ed on it and it went in the bin.

sued1056

re- request bryan carter 5/11/2010 reply from pepe concerningmy daughter-in-law receiving postal order back fromhim it was sent back to him with cover letter again with request for cca he has returned it again ,help please thanx

FTW

sued1056 wrote: »

re- request bryan carter 5/11/2010 reply from pepe concerningmy daughter-in-law receiving postal order back fromhim it was sent back to him with cover letter again with request for cca he has returned it again ,help please thanx

You have confirmation that it was received by him? If so, report him to the Solicitors Regulation Authority, Trading Standards, the Financial Ombudsman Service and the Office of Fair Trading.

If he now 'owns' the account, he's trying to fob you off - it's his job/responsibility to get the information you've asked for.