!!!!!! - Strange Letter from DCA

incesticde

Cheers Ras but unfortunately I had sent the letter by then... BUT

Sent the letter with Postal Order recorded delivery at 1400 hrs Yesterday
Today at 1245hrs recieved a call from FCM saying yes we have found your last payment from feb and everything is ok. I asked what my balance was and it was what I expected (must have been a mistake she said... :rolleyes: ). I am fully up to date with payments (yes I knew that).

Unfortunately they are going to send the Postal Orderback as it must be made payable to Natwest and not them, so I have to amend that and send it back to them.

So all in all it was all 'A mistake' .... a shakedown more like!

Cheers to all the people who posted for their help, I'll let you know what happens with the Original Credit Agreement when that comes through.

incesticde

Well folks this is what has happened with this since I last posted :

They returned my CCA appication and PO the very next day, requesting the PO be made payable to Nat**st.

So got a new PO (you can not change the name on the PO if it is printed, cost the 45p charge again to get it re-done) and sent it off with the letter Recorded Delivery.

The 12+2 initial deadline has come and gone (25th March 2008) so they are now in default.

I paid my regular 100 via SO on the 1st of this month

I am 21 days away from the debt being unenforcable, at which point I will :

1. Send them a letter saying debt is now unenforcable so no more payments
2. I shall cancel the 100 quid SO
3. I shall start making a claim for ALL my money back

I shall post more when I hear something (or indeed nothing!)

Have fun

incesticde

Update :

Recieved a letter today from Natwest, I opened up and thought 'Damn it they've sent me a CCA', read on and it said...

<>
Dear Mr Incesticide,

We write with referenece to your recent correspondence, dated 29th Feb 2008. May we apologise for the delay in responding to your request.

Due to this delay, and for various internal reasons we have closed the accounts and therefore do not require any further payments in this respect.

blah blah

Recovery manager

<>

Get in you bbbbbbbbbbbeeeeeeeeeeeeeeeeeeaaaaaaaaaaaauuuuuuuuuuuuuuuuuttttttttttyyy!!! :j:j:j:j:j:j:j:j:j:j:j:j

skylight

incesticde wrote: »

Update :

Recieved a letter today from Natwest, I opened up and thought 'Damn it they've sent me a CCA', read on and it said...

<>
Dear Mr Incesticide,

We write with referenece to your recent correspondence, dated 29th Feb 2008. May we apologise for the delay in responding to your request.

Due to this delay, and for various internal reasons we have closed the accounts and therefore do not require any further payments in this respect.

blah blah

Recovery manager

<>

Get in you bbbbbbbbbbbeeeeeeeeeeeeeeeeeeaaaaaaaaaaaauuuuuuuuuuuuuuuuuttttttttttyyy!!! :j:j:j:j:j:j:j:j:j:j:j:j

"I love it when a plan comes together!"

incesticde

skylight wrote: »

"I love it when a plan comes together!"

Oh yes! :beer:

ifonlyitwaseasier

well done!!!!

beer_tins

Wow! I can't believe your name is actually Mr Incesticide

Well done!

itsnever2lateisit?

Hmmm, things aren't all bad with DCA's then. Nice to see their error has come back and bitten them:j

AGB863

Absolutely fantastic - what are yo going to do with the extra money????
have a few of these?
:beer: :beer: :beer: :beer: :beer: :beer: :beer:

incesticde

AGB863 wrote: »

Absolutely fantastic - what are yo going to do with the extra money????
have a few of these?
:beer: :beer: :beer: :beer: :beer: :beer: :beer:

I'm off to California for a family wedding, I shall be doing a fair bit of shopping now. :rotfl:

I'm gonna enjoy summer and then start putting the money away for a house deposit