Is FIRE stupid ???

Money-come-lately

Hi,

I recently (last thur) sent a template letter to FIRE (a DCA based in Bradford) asking for a copy of the credit agreement. FIRE are acting on behalf of CABOT who I suspect have bought the debt from MBNA. I enclosed a £1 coin with the letter as the information costs a pound so I understand.

This morning I recieved a reply from FIRE thanking me for the payment which "shows a willingness to repay the amount owed to MBNA" !!

I cannot believe they have been so stupid - unless there is some method in their madness?!

Please advise!!

immoral_angeluk

Call them and ask them if they can read... idiots.

jitsuguy

Just send them another letter stating what the amount was meant for and thats if they do not reply within x amount of days (I think it is 40 days for a DPA request)! Plus remind them how much time they have left before you report them to the FSA and Information Comissioner.

Plus reiterate it is not your debt until they prove it.

Don't forget to send them the letter by recorded delivery.

Jitsuguy

CLAPTON

what exactly did you write to them and what are you trying to achieve?

wuckfit

it's very simple. by 'accepting' the £1 they are sneakily trying to prevent a debt being statue barred by time limit - restarting the clock, as it were.

Money-come-lately

So how do I go about stopping them from doing that?

CLAPTON

what did your letter say...did it say that you dont acknowledge the debt?

Money-come-lately

Hi Clapton,

It said that I request a copy of the credit agreement under the credit act and that I understand that the debt cannot be enforced unless they supply it.

Money-come-lately

This is a copy of the template that I used -

**********************************************************

Dear Sir/Madam

Re:− Account/Reference Number 4563210025897412

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

We understand a copy of our credit agreement should be supplied within 12 working days.

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

We look forward to hearing from you.

Yours faithfully
Mr A N Other

KatieKins

I think they are just chancing it and hoping you just say 'oh well'- but definitely do not!! make sure you re-iterate what the £1 was for and it wasn't an acceptance of any debt they say they hold over you!

Money-come-lately

Hi, does anybody know of a letter template for a situation like this?

Thanks,