Pugsley v Land of leather,Open and Direct

[pugsley]

yes

[pugsley]

sent cca request to rockwell debt collection, not signed but they do have letters signed by me unfortunately

[tamadus]

Originally Posted by pugsley

sent cca request to rockwell debt collection, not signed but they do have letters signed by me unfortunately

Eeer I doubt they will respond to an unsigned letter pugsley so why not sign it?

[pugsley]

I saw advice from a site helper or mod saying just print your name. I suppose it stops them copying your signature onto an unsigned credit agreement

[tamadus]

That would be a little bit silly of them to enter into forgery as well. I doubt any of them want the police calling around and removing files and computers in the rush hour, along with a big media crowd outside Let me know if they do reply to it please.

[BaldyBaldwin]

just linking in, this is interesting

[pugsley]

still awaiting a reply

[pugsley]

well it's gone past the 12 days

[tamadus]

Originally Posted by pugsley

well it's gone past the 12 days

countdown now to the 30 day marker pugsley I just sent Barclaycard notice of their offence lol

[pugsley]

just got a letter from Rockwell basically running away


your debt of £0.00 owed to open and direct 1st placement


we are no longer dealing with this matter and out files have been closed, please contact Open and Direct 1st Placement themselves regarding this debt.


very strange letter don't you think??

[tamadus]

Originally Posted by pugsley

just got a letter from Rockwell basically running away


your debt of £0.00 owed to open and direct 1st placement


we are no longer dealing with this matter and out files have been closed, please contact Open and Direct 1st Placement themselves regarding this debt.


very strange letter don't you think??

You have got them running for cover Pugsley

[pugsley]

lol, they have basically folded, this reminds me a bit of poker, which I usually win at, just waiting for their next raise. I suppose they will either write to me directly or pass it to another debt collection agency. At the very least I have delayed collection a bit, which is good for me as I can't afford anything until I finish university in January.


Sandy

[tamadus]

Originally Posted by pugsley

lol, they have basically folded, this reminds me a bit of poker, which I usually win at, just waiting for their next raise. I suppose they will either write to me directly or pass it to another debt collection agency. At the very least I have delayed collection a bit, which is good for me as I can't afford anything until I finish university in January.


Sandy

Remind me not to play poker with you pugsley

[JonCris]

Originally Posted by pugsley

just got a letter from Rockwell basically running away


your debt of £0.00 owed to open and direct 1st placement


we are no longer dealing with this matter and out files have been closed, please contact Open and Direct 1st Placement themselves regarding this debt.


very strange letter don't you think??

Not really!

Have seen quite few. These firms play the numbers game & they aren't going to get into a fight with a consumer who might know their rights. They will just move onto the next soft target

[jwhite64]

I am having the same problem with CSL sofas. We did not receive any payment reminders, then got a phone call stating that we owe £1765.90. The original bill is for £1200.00 We are only 14 days late on payment. On looking at the signed agreement it has our old address on, which when we ordered the sofa we were in rented accommodation, and was waiting to move into our new home. On calling Black Horse they had our old address so obviously CSL did not tell Black Horse our correct information.. Presumably that is why we have never received a letter stating that the money is due. We have the money and have had for around 3 months. We are now fighting this out with CSL and Black Horse. Any ideals that you may have please reply as soon as possible. Thanks J. White

[JonCris]

You dont say what the difference of £565.90 consists of. Is it penalty charges, if so it can be challenged.

[tamadus]

I think this is another of those interest free for 12 months deals JonCris, where if you pay the full amount inside 12 months the interest isnt charged but go 2 minutes over and they hit you with the lot. I took one out once and heard nothing from them whatsoever until it was too late to prevent the interest being applied. I had been making payments as well into it and I doubt the balance was more than a couple of hundred but they still hit me with the full interest.

My first thought is did you notify the loan company of your change of address ? My second thought is that it's unlikely you can legally challenge it, but without more info it's hard to be sure. Start a thread of your own to avoid confusion please.