J2 Solutions

rog2

matchmade wrote: »

I may be being old-fashioned, but does anyone on this thread feel *any* sense of responsibility to repay the debts on which this company J2 is seeking payment?
I'm therefore happy to cooperate whenever I hear from J2, or any other debt collection agency - people who owe money deserve to be pursued until they pay - they should never have got into debt in the first place, and I'm pleased they're scared if the debt agencies track them down - they deserve it.

The 'sense of responsibility' that you are suggesting we lack is no more than a reciprocation of the way that J2, and its equally nauseating bedfellow Mackenzie Hall, treat those who they are pursuing.

J2 and MH are well known for trying to pursue 'alleged debts' that are legally unenforceable - even non existant. They blatantly flaunt the OFT Debt Collection Guidelines and are certainly not averse to using 'fear' as their main weapon.

This site is not about, nor does it advocate, the illegal avoidance of debt. However, it is about sharing experience and advice. The experiences that most of us have had when trying to deal with J2/MH is not pleasant and, as has been shown time and time again, they often employ totally unprofessional tactics in their quest to make what is often, for them, easy money.

Without sites like this many 'debtors' would never have been made aware of their rights, or whether a debt is either genuine or enforceable. Indeed the very ethos of MSE is 'Consumer Revenge' and if it sounds as though many of us do not have a good word to say about the ilk of J2 or MH, then that is only to be expected.

In short, mm, J2/MH do absolutely nothing to enhance the reputation of the Debt Collection Industry - they treat their intended victims as dirt and should not be surprised when people fight back.

Your comment that 'People should never have got into debt in the first place' is completely judgemental and insensitive. Your further statement that you are 'pleased they're scared if the debt agencies track them (I assume you mean alleged debtors) - they deserve it' is nothing less than obscene, and is certainly not mitigated by your reference to 'seeing the sharp end of someone not paying a debt by walking out of a house that you rented them.

It is, indeed, a great pity that you chose to post in such an offensive manner because, had you posted about your 'ex-tenant' problem on this board you would have received nothing but understanding and good advice.

But, instead, you chose to post in a manner that will do nothing to enhance your presence on this board - your choice.

Someonehelpplease_2

Hi
I've received a letter today from J2 Solutions and I have no idea what to do, I'm hoping someone out there will be able to help me as I am worried sick.

The letter is addressed to "The Occupier" and reads on to say that they are attempting to contact the above person (me) and gives my name and address.

Having read through this thread, I see that they are a tracing agency connected with debt collection and from other posts, sound like they are particularly frightening.

My question is, what should I do? I do know of some outstanding debts that I have dating back to approximately 2003 - 2005, a time when I was going through a separation and had a particularly difficult time. I actually however have no idea whether this is actually what it refers to. How do I find out? Should I find out?

I've read other's advice which says not to contact them but what happens if I don't? Where do they go from there?

As yet, I'm not aware of them contacting my neighbours but from other's experience I guess that's coming.

Can anyone help? Any advice would be very much appreciated.

rog2

Someonehelpplease wrote: »

My question is, what should I do? I do know of some outstanding debts that I have dating back to approximately 2003 - 2005, a time when I was going through a separation and had a particularly difficult time. I actually however have no idea whether this is actually what it refers to. How do I find out? Should I find out?

For the moment, my advice will remain the same - ignore them until they write with specific details.

Now I know that that is easy to say - indeed some might accuse me of advising you to 'avoid' your 'debts' - but that is, honestly, not what I am advising.

Until you know exactly what 'debts' they are referring to - how old the debts are, or whether they even have the legal right to pursue you over these 'debts' then it is difficult to give concise, actual and factual advice.

It would appear, at this stage, that J2 are trying to establish that you are, in fact, the person that they are looking for. You may or may not be that person, and they may or may not be entitled to pursue you for the 'debt' in question.

My concern is that, by phoning them, you could, easily, be talked into admission of liability for dets which are not yours, or may even be legally unenforceable - J2, and their ilk, are experts at twisting your words.

Instead, I would suggest that you write to them. I am looking for fermi's 'Prove It' letter - once I find it, I will post the link.

beanie1001

Hi. I have received a letter from J2 today asking for the whereabouts of myself using my married name. I have not had any debt in this name.
I previously had an old credit card debt in my maiden name (approx 2001) I received a letter from Lowells regarding this about 12-18 mths ago. I sent them the standard letter asking for a copy of original credit agreement but never heard anything apart from more 'threatening letters'
I have never phoned them.
1) Does asking for the agreement cancel the 6 yr statute?
2) Any advice what do with regards to the letter I received today, as not at all sure if thi is what relates to?

Thanks in advance

rog2

beanie1001 wrote: »

I have never phoned them.
1) Does asking for the agreement cancel the 6 yr statute?
2) Any advice what do with regards to the letter I received today, as not at all sure if thi is what relates to?

Do NOT phone them.

Asking for the agreement does not cancel the 6 yr 'Limitation Period'.

You should preface any letter, to this crowd, with the words:

"I do NOT acknowledge any debt to your Company, or to any organisation that you claim to represent."

If they hae put a 'reference number' on the letter, you can send them the NDL 'Prove it' letter that you will find on the following link:

http://www.nationaldebtline.co.uk/england_wales/temp/9719_98451.pdf

It will, of course, need some amendment, as no 'creditor' is mentioned, and please preface it with the sentence above.

And keep the 'letter' that they have sent you - you may need it, as eidence, in the future.

10past6

I noticed your "Prove it" post rog2, which is why I never replied to the OP, I had a feeling it was for this thread

rog2

10past6 wrote: »

I noticed your "Prove it" post rog2, which is why I never replied to the OP, I had a feeling it was for this thread

It was, originally, for Someonehelpplease - then beanie1001 posted a similar request.
For some reason I have 'lost' a lot of my standard letter links (computer going senile) so I had to go back to the NDL pdf thread.

However, all sorted now - the 'DFW' link to the letter template is Post3 on the following thread:

http://forums.moneysavingexpert.com/showthread.html?t=963087

Cheers.

10past6

rog2, I have all the template letters stored under 1 PM which I sent to myself, much easier to find

beanie1001

Rog 2....thank you very much for your advice

I will get that letter sent to them


Just one more little query.
As they have sent this letter direct to me, will they still hassle the neighbours? I'm unaware of that happening yet.

Thanks

rog2

beanie1001 wrote: »

As they have sent this letter direct to me, will they still hassle the neighbours? I'm unaware of that happening yet.

Shouldn't do so, beanie. However, they can be pretty unpredictable, so it's always worth getting 'clued up' on exactly how they should be conducting their business. Discussing your 'alleged debt' with neighbours is, simply, not permissible:

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

Should this happen, you should report them, immediately, to Trading Standards.