Had a very strange letter today from a debt collection agency for NCCS .

I had CCA'd Nationwide and had no response

- I sent non compliance letter ( cannnot demand payment , pass on to DCA etc).

What I don't understand is that the DCA have written (without prejudice) offering me a disounted settlement with no detriment on my credit file

- limited offer for seven days only)

I am puzzled - any ideas??? thanks Cleo

Now why would they do that if they have an enforceable agreement? Oh, could be thay haven't

Now why would they do that if they have an enforceable agreement? Oh, could be thay haven't

Am unsure what to do next - may write and ask exactly what they are offering?

Am unsure what to do next - may write and ask exactly what they are offering?

Don't take the bait. I'd send them this Dear John letter

Ref No: xxxx

 

 

Dear Sir,

 

Thank you for your letter dated xx/xx/xx, the contents of which have been noted.

 

However your client, Nationwide have singularly failed to respond to my letters dated xx/xx/xx and xx/xx/xx whiich required them to supply a true copy of a properly executed Consumer Credit agreement.

 

I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. 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 account unless you can provide evidence as to my liability for the debt in question.

 

I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

Yours sincerely

Think Nationwide ad, think juicy worm, think reeling you in!!

Don't take the bait. I'd send them this Dear John letter

That is a very good letter - thank you. Do they ever settle ?

That is a very good letter - thank you. Do they ever settle ?

well on further investigation K P R debt collector is actually Nationwide. To look at the letter you would never believe it. At very bottom in tiny print "K P R is business name of Nationwide Building Society"????? It is quite deceiving.

Think Nationwide ad, think juicy worm, think reeling you in!!

Don't take the bait. I'd send them this Dear John letter

Sent said letter Ie no CCA etc - but KPR have now sent final demand!! The account is still indispute so is there a further letter to send please?

I am unsure of next step?? Can anyone help please??

I am unsure of next step?? Can anyone help please??

I would just write back thanking them for their harassment letter which you will retain within your harassment file.

Place account in dispute in big bold letters at the start of the letter.

Refer them to your previous letter and remind them of their obligations under the oft debt collection guidance and enclose a copy of your previous letter for their reference.

Report them to the enforcement authorites;)

I would just write back thanking them for their harassment letter which you will retain within your harassment file.

 

Place account in dispute in big bold letters at the start of the letter.

 

Refer them to your previous letter and remind them of their obligations under the oft debt collection guidance and enclose a copy of your previous letter for their reference.

 

Report them to the enforcement authorites;)

strangely enough I sent that letter today after having a good trawl on this site!!

i have received a demand from wescot for an NCCS credit card that has already been to several DCA's. Have been through all of the procedures - collected a supposed "Agreement" from the branch. This consists of a copy of a "Priority Application" with absolutely NO prescribed terms whatsoever. NCCS and all the previous DCA's KNOW this. Wescot insist I have to pay in full. All the form consists of is:

name and address, password, PIN issue,

Job title,

Card Protection plan and my signature, no payment terms , credit limit no APR or interest rates. Help!!!

was the account in dispute letter send to the previous dca before westcrap came on the scene

Remind them that they are breaching OFT guidelines and request they return it to previous DCA.

Next time they threaten demand a copy of their complaints procedure, telling them why you are making a formal complaint.

This action can have them running.

Remind them that they are breaching OFT guidelines and request they return it to previous DCA.

Next time they threaten demand a copy of their complaints procedure, telling them why you are making a formal complaint.

This action can have them running.

thanks - I have been through all of the ususal stuff - however I have now referred them to the latest judgment Southern Pacific Securities v Walker and referred to the paragraph - missing prescribed terms = wholly unenforceable. Lets what happens now.

many thanks

Cleo

well - it's been ages since I posted on this thread

- been having letters for ages from MKDP

">>>>we are trying to find a copy of your agreement....."

(I picked a copy up from the Nationwide branch years ago and it was application form no prescribed terms.

Now I have received a letter from them today"..

.we are concerned that correspondence addressed to you has been returned from your address.

In response to the returned mail received,

we have undertaken further investigation using Credit Reference Agencies in addition to other reliable databases

and this information has led us to understand you still reside at the same address

... please contact us to discuss further..."

NOW I AM NOT PLEASED!!!!!

I have not sent any mail back and I think the letter implies I am being deceitful/underhand.

I believe this debt is not just unenforceable but also SB now.

Anyone else had such a communication????

have had response from MKDP to my letter .

I explained had sent no mail back and also that this was now SB under Limitation Act.

MKDP have "noted my dispute.......and are contacting Nationwide...... all collection activity now on hold......."

Had a letter today from MKDP - for ages and ages they have sent me letters "still trying to deal with your complaint...."

after they received my Statute Barred letter

miraculously they have found a copy of the "agreement"

which is copy of application form same as I collected from the branch years ago (see posts on this thres)

they also enclose a copy of a letter I sent to Raven Revoceries in June 2012 -

this letter explains I only ever received app form copy/quotes cases/ unenforceable etc (think its a template letter).

They say this letter counts as acknowledging the account.

Anyone help please?

have had response from MKDP to my letter . I explained had sent no mail back and also that this was now SB under Limitation Act. MKDP have "noted my dispute.......and are contacting Nationwide...... all collection activity now on hold......."

why did you start up letter tennis again after 4yrs...

thats exactly what they want you to do .

what does your credit file say?

oh and ignore them

the RR letter [which is them] does not ack the debt

dx

I need to go through the paperwork again

- I think I had nothing from anyone for ages which may explain the gap.

I thought if it went to court it was perceived as not good practice to not reply.

I didn't realise they were the same organisation either.

They say this their final decision and I am liable for the debt.

I know that I haven't paid for over six years .......thanks for your input

why did you start up letter tennis again after 4yrs...

 

 

thats exactly what they want you to do .

 

 

what does your credit file say?

 

 

oh and ignore them

 

 

the RR letter [which is them] does not ack the debt

 

 

 

dx

once a CCA request fails

its always best to stop all letter tennis.

dx

I see thank you. I will not do anything and see what happens

once a CCA request fails

 

 

its always best to stop all letter tennis.

 

 

dx

Letter from MKDP (I sent them the Statute barred letter a while ago) apologising..

. "I can verigy this account is now closed and you will be no longer pursued for the debt..."

Apologise for distress and inconvenience and enclose a cheque for £50!!!.

I understand MKDP are now "Hoist"?

Anyway it was nice to get the cheque

however my name is incorrect on the cheque so they are sending a replacement ...

they shld now also ensure, under the rules, that any future potential buyer knows beforehand that it is barred.

well : I tried to claim PPI for this in 2016 but was deemed not mis -sold. I had forgotten I claimed to be honest and recently went through some paperwork and sent them another claim. Received letter saying had previously tried with copy of rejection letter. Further letter saying undisclosed commission : greater than the 50% threshold and a cheque on the way For £700.00 + !!

another plevin win then...

well done

don't forget to donate if you can to keep us here.

dx