Call Serve/Credit Security - Does Anyone Have Any Info on These? "WON"

[lookinforinfo]

Brassed off, I would hold back sending that letter for a while longer. Under the
consumer Credit Act, there is a section allowing them more time to produce
the paperwork and were they to do so fairly quickly they might not suffer
too much. The longer you leave it, the more likely the Court may well decide to fine them the maximum [£2500]and you may find that they will compound their sins by perhaps writing to you chasing the debt. Just let the whole thing
simmer nicely for a while-don't pay them anything of course-that should help
to bring them to the boil.

[Brassed off]

Originally Posted by lookinforinfo

Brassed off, I would hold back sending that letter for a while longer. Under the
consumer Credit Act, there is a section allowing them more time to produce
the paperwork and were they to do so fairly quickly they might not suffer
too much. The longer you leave it, the more likely the Court may well decide to fine them the maximum [£2500]and you may find that they will compound their sins by perhaps writing to you chasing the debt. Just let the whole thing
simmer nicely for a while-don't pay them anything of course-that should help
to bring them to the boil.

Thanks for that LFI. Was just going to send it tomorrow morning . Had decided to send it to Debt Managers Ltd as they were the last company to write to me - but not after your advice. May as well give them a bit more rope

However, you couldn't point me in the direction of the relevant section in the CC Act where it states that they are allowed more time?

Bo

[rory32]

It's not a case of they are allowed more time. They have committed the summary criminal offence but as LFI states the longer their non compliance and the more they try to chase the debt the worse the offence. You have 6 months after they commit the offence to report them to Trading Standards. There is no hurry.

[Brassed off]

Received another "tick box" letter from Debt Managers last week stating:-

OTHER: Please find attached copy statements, we look forward to receiving your proposals.

Enclosed were three old phototopied statements from 2002. So still no CCA, Statement of Account, etc.

As my CCA request was sent in June and I have still not received the Agreement, I have decided to send the Formal Complaint letter detailed in post #20 and given them 14 days to reply.

As this is an old Visa card, once I have sent Debt Managers packing, I will go down the reclaiming charges route with a S.A.R - (Subject Access Request) to Yorkshire Bank. Unless, of course, YB can't find my Agreement either

[lookinforinfo]

I think it is time to send them your billet doux. Should make their Christmas..............

Bit difficult thougn to reclaim your charges when you are refusing to acknowledge the debt. Clever trick if you can square that circle.

[Brassed off]

Thanks LFI

I just thought that if DM pass it back and YB do have the CCA, I could re-claim the charges to reduce the amount outstanding and then offer a f&fs

[Brassed off]

Have been having computer problems so haven't been able to post for a while

I received a reply in response to Curlyben's letter (post#20), from Debt Manager's Compliance Officer dated 2nd January which referred to Yorkshire Bank with no reference to the amount owing and on "real" headed paper from their Jamaica Street, Edinburgh address (not a standard "tick box" letter from their PO box address anymore) stating:-

"Thank you for your letter regarding the above account. All of your comments have been noted and your dissatisfaction is being dealt with under our complaints process.

I can confirm that I am investigating this matter and will contact you again when my investigations are complete. Please be assured that in the meantime, I have placed the account on hold."

So, I decided to see what they came up with next

I received a letter from the Compliance Officer yesterday, interestingly dated the same date, 2nd January 2008. Again, with no reference to the amount outstanding:-

"Further to my letter dated 2nd January 2008. I can confirm my investigation is now complete.

I can advise that at the present time, our client, Yorkshire Bank, have been unable to provide a copy of the application form for the above account.

I can confirm that due to your comments, we have closed our file and you will receive no further correspondence from Debt Managers Ltd with regard to this matter.

If you have any further queries, please do not hesitate to contact myself on ........... The enclosed Financial Ombudsman Service leaflet provides details of how to complain within the next six months, if you feel Debt Managers Ltd have not assisted you in resolving this matter."

Can anyone spot the obvious?

Buy hey, am I bovvered?

DCAs Nil - Bo 3

[Curlyben]

About time to I must say.

[rory32]

Well done Bo

[Brassed off]

[Seahorse]

WOOHOO!!!!!

[ODC]

Well Done Hun XXX

[lookinforinfo]

Good news mate.
Of course you may need to wield the trusty sledge hammer if Yorkshire
decide to pass the debt on to another DCA.....

[Brassed off]

Thanks peeps. I will just wait and see what happens from here. But they have stated "application" as opposed to "agreement". Not that I'll be pointing that out to them