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F.M DEBT ENFORCEMENT on behalf of Federal Management Enforcement chasing canvelled insurance 'debt'


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Hi Guys

 

My mate has just recieved a letter ( red ) hand written within a non sealed envelope delivered by the nice postie.

 

Basically he cancelled an insurance policy and he believes there was a shortfall ( approx £100.00 ) yes he told me he never done anything about this etc.

 

So now he has a COLLECTION NOTICE DEMAND for payment owing to ( ins company ) saying pay asap or we will make a collection visit within 5 days at a cost of £250.00 per visit.

 

It states...this is your last oppurtuninty to take action Blah Blah.

 

Since I have been out of sorts for a while, then what is his/her best plan of action , letters etc?

 

On there behalf, Ta very much.

 

Mr, be back soon.

Regards..Mr Worried :)

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dca's have no legal powers nor any remit to add any charges

 

how old is this too please?

 

and name names too

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi dx

 

Its about 5 month old, he cancelled ins policy and they asked for £30/£40 quid he ignored then got Fedral Debt Management writing and calling him etc. then today he gets FM Debt Enforcement writing to him.

 

He is not like us as does not the the ' craic' is there a letter I can send off for him or could anybody devise one. and he will e-mail it to them.

 

Mr

Regards..Mr Worried :)

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Hi Guys

 

Damn Cheek

 

I adjusted the 2 letters as above and mailed it to them, blumen cheek they called me and said ' What OFT guidelines are they breaking etc, and the charge is the same for everybody?

 

Can anyone do an ' in yr face ' letter for me to them.?

 

Ta

 

Mr Angry

Regards..Mr Worried :)

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Unless the original agreement expressly included any charges which can be levied they can add nothing. You could respond with the following, ;)

 

Dear Sirs,

 

I refer you to the reply given in the case of Arkell v. Pressdram (1971).

 

Yours,

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Debt collection guidance

 

Charging for debt collection

 

2.9 Charges should not be levied unfairly.

2.10 Examples of unfair practices are as follows:

a. claiming collection costs from a debtor in the absence of express

contractual or other legal provision

b. misleading debtors into believing they are legally liable to pay

collection charges when this is not the case, for example, when there

is no contractual provision

c. not giving an indication in credit agreements of the amount of any

charges payable on default

d. applying unreasonable charges, for example, charges not based on actual

and necessary costs

e. applying charges which are disproportionate to the main debt.

Page 7 http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
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Cheers Cerb

 

I will react accordingly, although my mate is papping himself as regards the visit. he has a modified letter awaiting the visitor, I shall keep you all up to date.

 

Mr

Regards..Mr Worried :)

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Hi Cerb

 

I think its ' in house '...here you go......F.M DEBT ENFORCEMENT on behalf of Fedreal Management

 

Head office - Skelsmerdale

 

Collections - London SW19

 

Cheers

 

Mr

Regards..Mr Worried :)

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