Another debt collection agency has written, giving me until 2morrow.

In answer to a previous question (Sorry, I've read the post properely)

Arreas on DN £1200. Balance was £13,000. Unlawful charges and interest since account went into dispute is about £300.

Was going to sit tight but may write to this one saying I have accepted the unlawful termination less claim for unlawful termination and charges. Does anyone know a good letter?

Over a year later, I am still being chased by another debt collection agent. One thing I did not put on this forum was the fact that they messed up the default notice as well.

I had a termination letter, followed by a default notice (Giving only 14 days, not 14 clear days) follwoed by another termination letter 7 days after the the default notice.

I had written accepting the unlawful termination of the account and I should only be liable for £102 (Not £1902) which was the amount of arrears at the time, less unlawful charges and claim for unlawfull termination.

Now another dca westons is righting and threatening doorstep visits. In order to try and sort this, I have pulled together the letters and paperwork regarding this. I have noticed an earlier default notice and termination letter for April 2009, with only 14 days to rectify this, not 14 days service. Termination again happened on day 14. I also found a letter with it accepting the unlawful termiantion of account that I wrote. It would appear that the second default notice was sent in August, with higher amount to pay by, and again terminated within 14 days and not given the full 14 days service. Does this mean that the first default is the valid one and that is the amount that I am only liable for?

Hi its been a while since you posted have you heard any more from the co-op?

I had twp accounts with Co-Op. When I suffered a lose of income, both defaulted. They issued non compliant default notices only giving 14 days. Both arrived 3 days after the date on the letter.

I wrote to them, the usual credit agreement request but only got back application forms. Not all the t and c's therefore request still outstanding.

Copy of one:

http://i663.photobucket.com/albums/uu351/roygoodbeat/COPNORTHERNROCK.jpg

To cut a long story short, Lowells have purchased the debt. Having already won against another debt, I suddenly started receiving calls and texts from them today. This is a new number and I changed my number 3 months ago. Was suffering from depression and could not take any more threatening texts and calls.

I have never given out this number except to a few friends and it appears on my CV. How the hell did they get this and what gives them the authority to use it?

Is this a mobile telephone they are contacting you on ? If so, did you register it with the provider ? If so, that is where your number has been obtained from !

I did not register it with Lowells, nor did I state that my number can be passed on to third parties by 02. Lowells do not have the authority to call me.

I did not register it with Lowells, nor did I state that my number can be passed on to third parties by 02. Lowells do not have the authority to call me.

Roy, the question I asked was "Did you register the phone with the PROVIDER" - the company that you purchased the phone from ?

Did you actually state to 02 that your telephone number could not be shared ?

This was also only a suggestion that they might have done this.

There are many ways of obtaining a telephone number nowadays. It might be worth thinking to whom you have provided this new number.

No individual or company needs 'authority' to phone you virtually all mobile numbers are in various directories and the service provider will make listings available.

Now 2015 and recently began with threatening letters from Lowells. Gone to their pre litigation department. Have to keep an eye on this, howver, its almost 6 years since I last aknowledged any debt or made payment. If they took me to court before and the hearing was after 6 years, is that important?

Occasionally I have had the odd chase letter and they traced me to my new address. Now I beleave this is statue barred as I have not made a payment/ acknowledged this for over 6 years. Is it worth at this point to write to them asking them to stop writing? Will they and can they continue?

its well statute barred

don't reply or send anything

in England and wales they can still ask for payment

you can equally ask them to go away

but id ignore

until/unless they issue court papers

and the sb defence will counter that easily

its well statute barred

 

 

don't reply or send anything

 

 

in England and wales they can still ask for payment

you can equally ask them to go away

 

 

but id ignore

 

 

until/unless they issue court papers

and the sb defence will counter that easily

Is it worth sending a statue barred letter and tell them where to go?

what part of ignore do you not understand...

keep the sb arrow for court.

dx

7 threads merged for history