Hi Everyone

I had an alarming letter from London Scottish this morning telling me our relationship had broken down as I had failed to contact them for a long time. They were doing the usual thing and demanding full payment. As I had written to them on at least two occasions in the last few months I immediately phoned them to ask what was going on.

The woman on the phone told me straight away, without asking for the reason behind my call, that the letter was a standard letter being sent to all 14,000 account holders. I told her this could not be the case due to the wording of the letter but she was adament that she was right and me, being a lowly account holder, was of course wrong. The letter is below:

Dear Mr Ian Williams

Account Number: xxxxxxxxxx

Account Balance/; £1213.15 Thursday 14 August 2008

THIS IS THE LAST COMMUNICATION OF THIS TYPE YOU WILL RECEIVE

You have failed to respond to the Default Notice sent to you. Your relationship with London Scottish Finance Ltd has effectively broken down. We have made every effort to resolve this and agree a solution with you.

We now make a formal demand for payment of the outstanding balance payable under the Agreement,which is £1213.15 on the date of this letter. interesticon will accrue on this sum for as long as it remains outstanding.

Your account is now likely to be sold to a third party.

If you wish to discuss this letter further you can contact us on 0161 838 1450.

Yours sincerely

Branch Manager

The woman on the phone said the letter was being sent out as all accounts were being sold to a company called DSL. She refused to give me their details, just kept saying you will get a letter, you will get a letter...

I told her that I wanted to speak to someone that could give me their address and contact details so she put me through to the complaints dept who are now looking for my letters and will be ringing me back shortly.

I will update this post when, and if, they do.

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