Hi again folks, Looks like something else has popped up now. Right, my girlfriend has recently informed me that has been unable to pay her Sky bill for a number of months, in fact 6 months multiroom service. I didn`t realise as I never watch TV, I`m always on the PC and only watch the odd DVD rental, as it`s cheaper than the Box Office. She said she had planned to pay it off after Christmas, via installments as she is registered disabled with Arthritus, but it seems Sky have got Wescot onto her case. Today she received the following letter, on red headed paper fading to white at the bottom. It reads - Date Of Issue: 07/01/2008 Wescot Ref: Yeah Client Ref: Yeah FINAL NOTICE Despite previous correspondence a balance still remains outstanding on the above debt. Unless you make payment of £436.16 within the next 14 days a Claim Form/Summons may be lodged with Hull County Court or at the local Sheriff Court for residents in Scotland and subsequently issued to you for payment of the outstanding balance plus all statutory legal expenses, as follows:- Amount Claimed* £436.16 Legal Expenses £95.00 Total Amount £531.16 Payment Due Before - 21st January 2008 Below this rubbish is a Girobank TransCash payment slip. Now, as I say she genuinely was going to start payment on this after Christmas but they seem to have beaten her to the starting post with this. She rang Sky before Christmas and explained she would pay it off in installments and they were fine about this, and also said once the balance is cleared the service would be turned back on. The thing is, I can`t understand how it has gone unpaid for so long without any phone calls or letters from Sky, then suddenly she gets this red letter crap from Wescot. I`ve told her to ring Sky in the morning and offer a token payment and tell them we will catch up soon, but we will not deal with these bullies in any way and will deal only with Sky. I also think she should ask Sky for a copy of their complaints procedure and let them know she is not happy the way this account has been allowed to get out of control then sent to morons for collection. I understand a CCA can`t be used as a defense to this, but I would appreciate any help anyone can offer. I look forward to hearing from you guys and gals. Regards N.P.

Hi Paul, Thanks for that. I know all about they are making it harder. I actually mucked up the Theory Test when I went to the wrong building the first time around then managed to find the right building 45 mins late, so I missed my window. When I came to do it about 6 weeks later, the questions had gone from 35 to 50. I ended up getting 49 right. The price had gone up too. Still, if it wasn`t for them nice incompetant people at Argos messing their paperwork and the persistance of the idiots they send to chase me, I don`t think I could have afforded to learn. I want to learn to fly a Chopper next, LOL. Catch you all again soon, no doubt. N.P

Hi people, Just a little update, sort of. Those of you who have been following my thread will know that Argos`s lack of a CCA is costing them dearly each month, and that I`ve been putting the money to good use on driving lessons. Well, yesterday I passed my test with only 3 minors. Not bad for a first attempt eh? Think I`ll approach Argos for a loan for a car now. In the mean time, I`m still waiting for my damn CCA, not Regards N.P

Hi OD, One more thing, send it Recorded Delivery and NEVER SPEAK TO THESE MUPPETS ON THE PHONE, they are full of ****. EVERYTHING IN WRITING! Keep copies of all letters sent and received. Regards N.P

Hi OD, Don`t be alarmed by empty threats from these empty heads. It is upto these fools to prove you owe the money, not upto you that you don`t. If, as you say you paid up then there really isn`t any need to send a CCA. Why waste £1? Send the morons at Fredrickson this letter - adjust to taste - Reference: Dear broken brains, You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that I have no knowledge of any such debt being owed to Egg. I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it is 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 Office of Fair Trading 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, for example, the last bill you have at our address. 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 Office of Fair Trading of your phishing actions. I look forward to your reply. Yours faithfully PRINT NAME - NOT SIGN. Just send that if you want and see what they come back with. Regards N.P

Hi SG, Yeah, it almost brought tears to my eyes thinking they may actually care, sniff. Regards N.P

Hi odds, I think it was just your average bog standard stupid cow, I could smell the bull**** coming out the phone. Although she could have had CJD, it sounded like she was dragging her ass behind her. It might have been blue cows mate from Cbeebies N.P He who laughs in the face of defeat

Hi card mug. Yeah, I would start a seperate thread for each creditor / DCA, that way everyone will be able to track and help you easier. If you don`t want to give these morons personal information and to be honest, who would? Then don`t Pay slips are Private and Confidential and Banks and DCA`s are morons that break the DPA. Maybe you should start the CCA process with them all and see who turns up with what, then go on from there. It`s upto you what you do at the end of the day. Regards N.P

Hi again, Nice one Alphageek, I forgot to mention about printing the name instead of signing, and to use Postal Orders. Thanks. Regards N.P

Hi odds, I too had a letter from Lloyds TSB today. It wasn`t the Credit Card CCA I`ve been waiting for but a letter regarding my Current Account from some ball bag called Richard Cranium, Heh heh. It just waffled on with some dribble as they`ve noticed I haven`t paid anything in for a couple of months and I`m over my overdraft. Well, Derrrrrrr, that`s because I HAVEN`T put anything in because if I did they would steal it for the Credit Card which I`m not paying. If they took the charges off I wouldn`t be over the damn overdraft. What a bunch of bum wipes! These people are as much use as our toilet paper which I poked my finger through earlier Regards N.P P.S. Thanks for the scales click earlier

Hi CCM, Have you had any letters from any of the creditors or Debt Collectors? Do you know if any of the Accounts have Charges applied? If so, you should maybe SAR them, but I would send a CCA off first. Then if they come back with anything enforceable then go for the Charges. Unless of course the Debt being chased is made up of Charges. Regards N.P

Hi there, Your name describes everyone on here, Credit Card mugs. So, welcome to the family. Could you possibly list each Debt, Amount of Debt and also when the Accounts were opened? This information will help others to help you. Here`s one I`ve used a few times, although you`ll need to edit to taste. To whichever empty head it may concern: Your Reference: xxxx I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY With reference to the above account, I request that you send me a true copy of this credit agreement before I will correspond further on this matter. This is my right under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974, and I am entitled to receive a copy of my credit agreement on request. Your obligation also extends to providing me with a statement of account. I enclose a £1 postal order, which represents payment of the statutory fee payable under the Consumer Credit Act. I understand that a copy of my credit agreement should be supplied within 12 working days from the date of this letter. I understand that under the Consumer Credit Act, creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. Also, since you are a Debt Collection Agency, I would also ask that you supply a signed true copy of the executed deed of assignment for the above referenced agreement. This is an obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974. Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities. In summary, I DO NOT ACKNOWLEDGE THIS DEBT AND THEREFORE REQUIRE YOU TO SUBSTANTIATE THIS BY PROVIDING THE FOLLOWING DOCUMENTATION BEFORE I CORRESPOND FURTHER : 1.True copy of original credit agreement 2.Statement of account 3.Copy of the executed deed of assignment from (Name of OC) and (Name of DCA) 4.Fair Processing Notice. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued. Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. Further to the above, please ensure that any contact by yourselves is made in writing only to the above address. Telephone calls and personal visits will not be accepted and viewed as harassment. As this account is now in dispute, I would also draw your attention to The Banking Code section 13.6:- We may give information to the Credit Reference Agencies about personal debts you owe us if: ·The Amount Owed is Not in Dispute. ·The Office of Fair Trading provided a Code of Guidance that is in relation to Debt Collection: OFT 664 Response to consultation paper and final guidance on unfair business practices dated July 2003 Deceptive and/or Unfair Methods- 2.8 Examples of unfair practices are as follows:- k. Not ceasing collection activity whilst investigating a reasonably queried or disputed debt. If you continue in your pursuance of this account I will have no other alternative than to report you to both, The Information Commissioner and The Office of Fair Trading. Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department. I look forward to hearing from you within the statutory time limit. Yours faithfully Mr F Bloggs Husband of murdered wife. Father of murdered son. Victim of extortionate Bank Charges. And I WILL have my vengance! Send it Recorded Delivery or Special Delivery if you can afford. From now on STAY OFF THE PHONES! Some people use other letters but I like this as it is more detailed, so it`s your choice. Regards N.P

Hi people, Well, just a little update, if you want to call it that. Today I received a letter from some bot splat at Lloyds TSB. It reads - Dear Mr N.P, Your Account Details: Whatever We see that you haven`t paid anything into your account since 31st October 2007 and that you are using the Planned Overdraft. So we just wanted to check if there`s a problem. We know there could be all sorts of reasons why you haven`t paid any money in recently - for example some salaries are not as regular as others. So if you don`t think you will be able to pay anything into your account in the next seven days, or you are having trouble keeping your account in credit, please let one of my team know. They will do everything they can to help. If you have any questions or you would like to any of this through, please do give us a call. Yours sincerley. Richard Cranium Senior moron. Looks to me like this halfwit in a cheap suite and beatles hair do and has put his Elton John glasses on and noticed something perculiar about my account, like it`s over the overdraft and I haven`t put anything in. Well, that`s because I`m using a another account with another Bank. And if I did put money in, they`d only steal it for the Credit Card anyway. The know they one I`m still waiting for a CCA for? I like the line please call our team and we`ll do everything they can to help. How about this? They refund all the charges on the account which will bring the account inside the overdraft, instead of overdrawing on it? Regards N.P

Hi Steve, Everyone has heard of Thames Credit, they are responsible for harrassing people to the point of suicide, allegedly of course. Is that all the fools sent you? I wouldn`t bother replying to this, as it`s neither nowt not summit. Wait to see if they send you anything else, at least something with an account number on, so you know what the hell they want in the first place. Also, DO NOT TALK TO THESE NUMPTIES ON THE PHONE. Regards N.P

Hi lawbunny, Thanks for helping in on this. Do you think she should still send the letter to the DCA I added? At least it would give the morons something to look into and chase up instead of sending their automatic threatograms. Regards N.P

Hi pecky, How you doing? Haven`t heard from you in a while, looks like these plonkers don`t give in eh? I`m still waiting for my CCA after it went from Morecrap then to Fredrickson Internation. These buffoons have gone back to Argos for it but haven`t shown up with anything yet. It`s been quiet for a good few weeks or so now. Watching with interest. Regards N.P

Hi Pink, First things first, Happy Birthday Welcome to CAG, the place where EVERYONE has problems with DCA`s and other numpties. I`m not expert by any means when it comes to problems with the telecom industry, but I do know there are a lot of people on here with problems regarding 3. Perhaps you could ring 3 and ask there to send you written confirmation of the account status which you could then send to DLC. I know these letters from Debt Collectors are scary but you sharp realise it`s all a game and once you start playing, you realise they just try to bully, scare and intimdate you. Just another though, next time to ring 3, couldn`t you record the call somehow? Call from a PC and record it that way. One thing for sure, is DLC can`t Default you as they appear to be acting on behalf of 3 and have not actually bought this alleged debt. If you want you could possibly throw this letter at DLC and see what they come back with - I used it for my girlfriend after a letter turned up out of the blue from Mackenzie Hall chasing a debt which we didn`t have a clue about. Edit to taste - Reference: M3645910 12TH November 2007 Dear Sir/Madam You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that I have no knowledge of any such debt being owed to, or have even heard of BoxClever. I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it is 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 Office of Fair Trading 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, for example, the last bill you have at our address. 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 Office of Fair Trading of your phishing actions. I look forward to your reply. Yours faithfully Hope this helps. Regards N.P

Hi boa, Just wait until the 12 working days are up and if they still haven`t shown up with anything it`s then upto you if you want to stop payments. In the mean time, just let them get on with whatever these fools do. It`s upto them to comply with your request now. Don`t think your obliged to send them a reminder, because your not. Just let them fester, like the parrassites they are. Parrassites are not that bad really, they live of others to survive, but these scrotums just terrorise people for fun. As the account is only a year old they may well have a CCA, but you never know. Anyway, catch you later. Regards N.P

Hi scooters, You say she is being hassled on her mobile by these empty headed burger boys? Can I just ask what make and model of mobile she has? The reason I ask is because, I have a Sony Ericsson K800i and they have a couple of cools features on. 1. When you are on a call you can record the call and and it saves directly to the phones memory or memory card. This can be played back later. Using this feature activates a small beep which can also be turned off so the numpty dumpty at the other end doesn`t know he/she or it are being recorded. First answer the call, disable tone then record. 2. They also have a feature of only accepting calls from numbers stored in the phonebook. So, say you have 36 names and numbers stored in the mobile. You tick each one you want to accept calls from and the phone will ring if the caller is on your list. Any other broken brained baboon`s backsides and it goes straight to VoiceMail. However, should this happen you could disable your VoiceMail. Hope this helps. Regards N.P

Hi again, One more thing. When was the Credit Card opened? N.P

Hi there Boa, Welcome to CAG. Are you paying anything towards this debt? If you are then wait 12 working days from the day they received your request and stop paying them. Clearly they are simply acting on behalf of Aqua Mastercard and at present, don`t have a CCA themselves, although one could still turn up. At the moment you do nothing, just wait to see waht turns up next, you are not obliged to talk to them on the phone either, everything in writing. The £10 charge would be for a copy of the statements for the account in question. If you sent Aqua a SAR, you could get upto 6 years of statements from them then check to see if any charges have been applied to the account, which would bring down the alleged debt. So, for the time being, sit tight. Regards N.P

Hi Paul, What I meant, is that even if you bring your account upto date, don`t they still apply markers to your CR with each missed or late payment? Don`t quite a number of these also add up to dodgy credit as if having a few Default? Thanks N.P

Hi Paul, Yeah, I know that is just a Notice and not an actual Default. Eggs notice gave me 28 days to bring the account up to date. I don`t have a Default with Egg, although I have with O2 who have never issued me anything. I just noticed I had a Default on my CR when I checked it once. Is what they done wrong and do you think I should challenge it someday? Thanks again. Regards N.P

Hi there, I wouldn`t be surprised if they don`t start legal action against you, as you seem to have sold something that isn`t legally yours if you haven`t paid for it in full. Regards N.P

Hi depressed, I beleive these Agreement Checkers are not as accurate as people would like them to be. Also, I`m no expert by any accounts on Agreements, but from what I`ve read on CAG, this may indeed be enforceable as it has the nescessary terms on. When was the Agreement taken out? Bumping this up will keep it visible until some with experience on Agreements checks it out. Regards N.P