I cannot thank you enough for the letter. It's brilliant. Thank you

Shall I wait until sat 24/mon 27th march to send it as the time is up for the reply to CCA request then and they would be in default of that too or send it now? I also added that I wanted copy's of anything sent to old addresses re sent to correct address.

I don't believe I have everything cos the ex wife doesn't pass stuff on all the time. More than likely goes in the bin. She only mentioned excel as they went to the house.

I've also sent a letter to solicitor with correct adress. Didn't put anything else on that though.

excel?

first you've said about them

what was it a letter?

It's on posts 188 to 191, 213 and 227 about excel.

Went to marital home twice and left the letter.

PDF on there too

All hotting up here today letter from prime.

Thought it was 12 + 2 for CCA request.

Says 28 days on this letter.

I've also had 3 calls on the bounce and instead of an automated service a real person leaves a message.

Didn't think they were suppose to contact when it's in dispute??

They've also got address slightly wrong on letter it's Row and they have put road!! Lol

They want my signature confirming new address too

Prime.pdf

This is what I sent alpha on the 8th march

Dear Sir or Madam,

You have recently tried to contact me regarding the account with the above reference number which you claim is owed by myself. Using Excel Collection and Enquiry Services LTD at an old address of xxx which I have not lived at since Jan 2014. Further to this you have also written to me at xxxx which I have not lived at since May 2016.

I have no knowledge of any such debt being owed to Alpha Credit Solutions 4 S.A.R.L

I have familiarised myself with the Financial Conduct Authority (FCA) consumer credit sourcebook which states the following rules.

"A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid." 7.5.3

"A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds." 7.14.1

"Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner." 7.14.3

In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I would ask that no further contact be made concerning the above accounts unless you can provide evidence as to my liability for the debt in question.

This letter is also a formal request pursuant to s.77 of the consumer credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request; the provisions of s.77(4) will apply.

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

Your attention is drawn to ss.5 (2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

I politely request you update your records with my new address at the top of this letter with immediate effect.

I look forward to hearing from you.

Yours faithfully

And I also sent a SAR to welcome at the same time.

I know I already have one but the one I had was in March/April 2016 so a lot has gone on since then so it would be interesting to find out more.

Also another letter headed account in serious dispute to welcome and questioned where the FSCS money has gone? And basically saying what the FSCS said about purchasing the debt back. And request they do that and null everything

Waiting game for all that

ah yes sorry excel was panicking then as they are bailiffs but now I remember powerless DCA.

there nothing that really stops anyone doing anything even under dispute,

as for the CCA request

it is 12+2 working days

now not having that would hurt them for now.

Am I better off holding on to the letter you've just done until that times up and see what comes first? And I don't speak to them on the phone do I?

IMHO no

dx

No phone? And no letter?

send the letter

certainly never talk on the phone no!!

Haha ok. It's in the envelope ready.

Just a thought. What legal standing do alpha have with a debt that was supposedly taken out in 2008 for 300 months. Last payment got made in May 2015

They have the charge in their name and you've had the notice of assignment too

I haven't had any notice of assignment from alpha. First I knew about it being sold was from welcome in the final response. The only reason I got the deed of variation is because I had it direct from land registry

CCA request time is up and not received anything. First day without a phonecall today too. Letter you done is about to go in post!

Just chased welcome re account is serious dispute letter below that was sent early march. As I have not even received an acknowledgement.

They have advised that all the points are still being investigated and I will be issued with a response no later than April 4th

I'm unable to upload what I sent it's saying font colours red please do not?!! No font is red.

Enclosed is my original complaint/dispute with you raised in sept 2016. Further to this I have gone to the FSCS as advised in my final response.

Irresponsible lending complaint first raised with you on 20/09/16 also taken to the FOS 19/11/16 and the FCA 03/02/17. Case referred to an Ombudsman 09/02/2017.

FSCS have awarded me refund for PPI letter enclosed they have not included all other insurances at the moment and are looking into this.

Compensation figure awarded £7,888.39. Who will this go to? Welcome or Alpha credit? Would i receive confirmation when paid and proof of any balance has been reduced by this? As I have not had any correspondence from you.

Any outstanding balance that could be owed to you is made up of penalty charges and irresponsible lending from the first rewrite not to mention the further loans that followed. As you kept increasing credit without doing the required credit checks especially when you knew the account was already in numerous arrears.

The charge on the property was applied on ‪19/010/06‬‬‬‬‬ refers to loan ‪2320257‬‬‬‬‬ dated 17/10/06 which was for £6000 with £1485 PPI , £180 life care, £125 home care which totals £7,790.75. 120 months at £170.28.‬‬‬‬‬‬‬‬‬‬

The FSCS have advised that if you have sold the debt to Alpha credit you would need to purchase the account back from them to offset any balance owing.

I am politely requesting you do the above then null any outstanding balance and remove the charge on my property which has originated from irresponsible lending on your part from 2001 onwards.

I am willing to compromise if you remove the charge and resultant balance.

I thank you for your time and look forward to hearing from you within 14 days.

Just had this from prime to my address.. 2 separate letters but the same letter only difference between the 2 are one is only in my name and the other both mine and ex names on there.

CCA I asked for and now they want me to pay an extra £9 for the SAR and want the both our signatures? Only I requested the CCA

Do I go for SAR on my own? Don't really want to get her involved.

Prime Cca Now SAR.pdf

Are they confusing your CCA request with an sar?

Did we send them an sar?

No I sent them a CCA and enclosed £1 postal order. They are now in default of the CCA time was up on the 25/03

this is what I sent

Dear Sir or Madam,

You have recently tried to contact me regarding the account with the above reference number which you claim is owed by myself. Using Excel Collection and Enquiry Services LTD at an old address of which I have not lived at since Jan 2014. Further to this you have also written to me at which I have not lived at since May 2016.

I have no knowledge of any such debt being owed to Alpha Credit Solutions 4 S.A.R.L

I have familiarised myself with the Financial Conduct Authority (FCA) consumer credit sourcebook which states the following rules.

"A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid." 7.5.3

"A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds." 7.14.1

"Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner." 7.14.3

In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I would ask that no further contact be made concerning the above accounts unless you can provide evidence as to my liability for the debt in question.

This letter is also a formal request pursuant to s.77 of the consumer credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request; the provisions of s.77(4) will apply.

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

Your attention is drawn to ss.5 (2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

I politely request you update your records with my new address at the top of this letter with immediate effect.

I look forward to hearing from you.

Yours faithfully

send them a std CCA request

do NOT SIGN IT.

you shouldn't of tacked the CCA on the end of that letter.

dx

Is there any point now as I've sent post 333 off yesterday? I headed the letter CCA Request - Consumer Credit Act 1974. Surely the title gave it away? And now they are in default.

did you inc the £1

Yes uncrossed postal order. But that's why they must be only asking for an extra £9 for a SAR. Do you find this strange? I copied the letter from the link. I just added the first couple of paragraphs to it myself.

Then Yesterday I sent prime the letter you done giving all the welcome history.

Do I resend the Cca as soon they will have the details of the whole welcome saga! Lol

Or do I send a covering letter saying they misunderstood my request nor do they require a signature for the CCA