Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default CAS/equidebt/Cabot etc - old RBS credit cars almost SB Scotland too

    Not seen any reference to these. Equidebt phishing trip passed to them, I suspect it's the next desk along as it's the same envelope & address.
    Anyhoo "ignoring them is not an option" as if


  2. #2

    Default Re: Credit Anciliary Services?

    Scan & post it up, we could do with a giggle!
    http://cascollect.co.uk/how_to_make_a_payment.htm


    Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!
    HOW DO I START A NEW THREAD?



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  3. #3

    Default Re: Credit Anciliary Services?

    Credit Ancillary Services, aka ECI, is indeed Equidebt.


  4. #4
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    Default Equidebt leaving daily messages

    Hi. I am receiving a daily message from Equidebt. There is debt they claim I owe & I maintain I do not. I have had several discussions in the past, although I have always refused to answer their security questions. In the end every time I got a call, I just said everything in writing & put the phone down. Of course nothing ever comes.
    For the past 3 weeks I have been receiving the same recorded message daily. It's not particularly upsetting, but is becoming very very annoying.
    Do I have grounds for a complaint to the OFT on the grounds of harrassment?


  5. #5

    Default Re: Equidebt leaving daily messages

    Send them this

    Dear Sir or Madam

    Harassment by telephone

    I am writing in relation to the quantity and frequency of telephone callsicon that I have received from your company, which I deem to be personally harassing.

    I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)
    I now require all further correspondence from your company to be made in writing only. [If you Want Them to]
    I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.
    If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.
    Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

    Yours faithfully,
    **Print name do not sign**

    Anthrax alert at debt collectors caused by box of doughnuts

    Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

    Vir prudens non contra ventum mingit


    17 Port & Maritime Regiment RCT
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  6. #6

    Default Re: Equidebt leaving daily messages

    And complain to the OFT&TS via http://www.direct.gov.uk/en/Dl1/Dire...acts/DG_195948

    And make a formal complaint to your local Police station about the criminal offence of harassment.

    Ofcom also. http://www.ofcom.org.uk/contact-us/


    Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!
    HOW DO I START A NEW THREAD?



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  7. #7
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    Default Re: Equidebt leaving daily messages

    Thanks for the replies, I'll get on to it.


  8. #8
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    Default Weightmans/Equidebt.

    Hi all. Equidebt have been sending letters & making calls off & on for a debt.

    Originally it wasn't that specific, so I ignored & answered all calls with "in writing only".

    They now claim they have made a financial link & have passed it to Weightmans to further harrass me.

    Weightmans have now sent the letter threatening court action or bankruptcyicon, along with a financial declaration form (as if! lol),
    as I have ignored them, so I suppose it's time to take action.

    It's a bit of a pain as if it's the debt I'm thinking of, it becomes SB in March next year anyway
    - I actually thought for a while that it already was.

    I've prepared a CCA Requesticon & made sure that I have added the "I acknowledge no debt to you..etc" prominently.

    Are they likely to be able to provide this as it was an RBSicon credit card originally issud in the late 90s?

    Anyway does this seem the right thing to do?

    Any help appreciated.


  9. #9

    Default Re: Weightmans/Equidebt.

    does this show on your CRAicon file?

    dx

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    DX
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  10. #10
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    Default Re: Weightmans/Equidebt.

    Dunno dx. TBH I don't trust them & would be wary of any info I might have to give. As I now know it's not SB i would suspect it is. The last payment was made under a CCCA debt management planicon in 2006 & Equidebt have been sniffing for about a year.


  11. #11

    Default Re: Weightmans/Equidebt.

    i suggest you check then

    dx

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  12. #12
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    Default Re: Weightmans/Equidebt.

    Any particular reason dx? My credit rating doesn't bother me, as I have gradually paid most of my debts & have no intention of going down that road again. This seems to be a debt that nobody picked up or chased & I thought those dark days were all behind me. If there's a good reason to sign up, I'll do it.


  13. #13

    Default Re: Weightmans/Equidebt.

    it might well have fallen off?

    no debt.......
    you can use any card and its free if you cancel within 30days.


    dx

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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  14. #14

    Default Re: Weightmans/Equidebt.

    Send the CCA Requesticon by rec. delivery to Weightmans immediately, incl. the wording you mentioned "I do not acknowledge.... blah, blah. If not, Weightmans will probably issue court papers to secure a CCJ. In theory, they might do this anyway but if you are seen to know your onions (so to speak), they're unlikely to waste their time.


  15. #15
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    Default Re: Weightmans/Equidebt.

    Thanks for the replies. Would they still be able to go do a CCJ even with a CCA Requesticon outstanding?


  16. #16

    Default Re: Weightmans/Equidebt.

    Quote Originally Posted by davehsug View Post
    Thanks for the replies. Would they still be able to go do a CCJ even with a CCA Requesticon outstanding?
    Yes.... but receiving one by rec. delivery will/should halt proceedings because it's a legal request for info. and you will have proof it was sent/received.




  17. #17
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    Default Re: Weightmans/Equidebt.

    Can anyone confirm who I make the postal order payable to? I'm sending the request to Weightmans, but they are collectiong on behalf of Equidebt. Thanks


  18. #18

    Default Re: Weightmans/Equidebt.

    Quote Originally Posted by davehsug View Post
    Can anyone confirm who I make the postal order payable to? I'm sending the request to Weightmans, but they are collectiong on behalf of Equidebt. Thanks
    I'd be inclined to send it to Weightmans, with a copy of the same request (no payment encl.) to Equidebt..... both by rec. delivery. Just put on the top FAO Equidebt. That way, Weightmans will have received a direct legal request and will be acting in complete defiance if they go ahead and issue court papers in the face of it.


  19. #19
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    Default Re: Weightmans/Equidebt.

    Quote Originally Posted by PriorityOne View Post
    I'd be inclined to send it to Weightmans, with a copy of the same request (no payment encl.) to Equidebt..... both by rec. delivery. Just put on the top FAO Equidebt. That way, Weightmans will have received a direct legal request and will be acting in complete defiance if they go ahead and issue court papers in the face of it.
    Thanks, will do
    And just a final one, I will definitely NOT be restarting the clock on this becoming statute barredicon?


  20. #20

    Default Re: Weightmans/Equidebt.

    Quote Originally Posted by davehsug View Post
    Thanks, will do
    And just a final one, I will definitely NOT be restarting the clock on this becoming statute barredicon?
    Just make sure you include "I do not acknowledge any debt to your company" on everything sent anywhere in connection with this.




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