Howard Cohen & Co

sharon2345

Has anyone got any advice on how to deal with Howard Cohen & Co?

I have heard they are troublesome and i am waiting for my CCA request.

matttye

Do you dispute the debt they say that you owe? I'm guessing that's why you've written to them asking for a CCA request.

If so, they will be in breach of the OFT's guidelines if they continue collection on a disputed debt.

sharon2345

Well yes and heard they will try anything whether its legal or not.

matttye

Sharon2345 wrote: »

Well yes and heard they will try anything whether its legal or not.

If they keep on hassling you just write to them saying you wrote to them requesting a copy of the CCA you apparently signed on whatever date you wrote to them and to date you have not received a response. Say you won't be dealing with them or making any efforts to pay the debt until they can prove you actually owe it.

Make sure all correspondence is sent recorded delivery. If you didn't send the CCA request recorded I'd send it again.

Once you've told them you'll only deal with on receipt of the CCA you can just ignore all other correspondence until they provide you with what you ask. You have a RIGHT to see proof of the debt.

Trajal

Just as an extra point on this - they tried to collect on an 11 year old debt which I had in fact paid in full. Goodness knows from where they get their data.

sharon2345

Only problem i am making payment to them via my debt management company so what do i do then?

sharon2345

Trajal wrote: »

Just as an extra point on this - they tried to collect on an 11 year old debt which I had in fact paid in full. Goodness knows from where they get their data.

Jeez sound like a right bunch. how did you get rid of them?

Trajal

I sent them a prove it letter and a couple of other letters telling them in no uncertain terms what would happen to them (legally) if they continued to harrass me.

If you're paying them via your DMP... why are you requesting the CCA now? Surely that strategy is over now... you've accepted the debt, what's exactly the problem?

matttye

I'm confused, if you are already paying the debt, why have you asked for the CCA?

Usually you would request a CCA if you're disputing that the debt is yours, but you wouldn't be paying a debt you are disputing.

Unless you're disputing the amount rather than saying that the entire debt doesn't belong to you.

happy_bunny_2

CCA request is a good idea on a pre April 2007 card or loan debt. Especially if they are threatening court action. Without it they are stuffed and they know it.

sharon2345

Trajal wrote: »

I sent them a prove it letter and a couple of other letters telling them in no uncertain terms what would happen to them (legally) if they continued to harrass me.

If you're paying them via your DMP... why are you requesting the CCA now? Surely that strategy is over now... you've accepted the debt, what's exactly the problem?

Well i am trying to pay off my debts with full and final offers and many have come back not accepting my offers so i have CCA'd them to see what they have and to try get them to re-consider.