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Everything posted by Devonguy

  1. Fantastic, thanks ODC. I'll edit this and get a couple of recorded deliveries posted off to these jokers later on today. Much appreciated. DG
  2. Now that is a BRILLIANT idea! I'll have a think on how to word one and try to get it sent off the same time as the one to JB. Many thanks, DG
  3. Wow, impressive, thanks. I'll copy and edit that accordingly. Just checked their site, seems they believe they can collect just about any 'awkward debt' even statute barred ones. Can't honestly understand why anyone would want to work in their industry! Cheers, DG
  4. Hi ODC, Thanks for the reply, should I be worried that this is from a new name (JB Debt Recovery) or have Clownell's branched out on the pseudonym department? Would you recommend the usual ignore the idiots approach? It's probably what I'm going to do as I'd noticed the usual use of 'if, and, but, possibly, maybe' in the letter. Honestly, just when you think the penny has dropped with people like this and they've gone on their merry way, they come crawling out the woodwork causing stress yet again! Cheers, DG
  5. Hello again folks, After a long silence Clownell's have now made a next move. I've received a letter from a new player in the game, a JB Debt Recovery. Which reads like this: URGENT LOWELL FINANCIAL LIMITED V Mr. Devon Guy Debt outstanding £xxxx Reference xxxxxx We are writing to offer you a final opportunity to resolve this debt. In a attempt to avoid additional legal costs out client is prepared to offer a settlement of 80% of the outstanding balance. If you wish to accept this offer it is important you contact ourselves within seven days. Fai
  6. Hey ODC good to hear from you. Many thanks for confirming my suspicions. Time to sit back and wait for thei next little love note. Must say I'm really glad I found this site, not just for the advice but the humor as well. Cheers, DG
  7. Hello again, I've not been on recently as my Lowell chums have been rather quiet, with the exception of a couple of threat-o-matic 'Notice of Intent.... County Court.... blah blah..' letters, which after reading other users threads I've just blanked. Yesterday (14/02/08) I received an invitation to Red Debt's Valentines ball at the Last Ditch Attempt. These lovely people have made me the fantastic offer of halving the alleged debt and giving me the opportunity to pay this off in one fell swoop, but it is only open for a limited time. Now given that I've disputed this since day one,
  8. Right you are, thanks for the reassurance. I will send it, see what they come back with. Cheers, DG
  9. They have an apologist, who they I'll have a look for some of their posts, sure they'll be hilarious. Just thinking about the letter to send, doesn't it kind of admit to a debt? I've never had any dealings with these idiots outside of correspondance so they can't even accuse me of defaulting payments with them, sorry just a bit concerned I may give them ammuntion. Cheers, DG
  10. Hi ODC, Thanks for this, seems a bit scary though. I'll start amending it and get it off to them ASAP. In my previous post I put "Now I'm now expert", it is of course meant to read "Now I'm NO expert" in fact I'm an utter novice!!! Wonder what response this'll get. Cheers, DG
  11. Hi Guys, Some exciting new developments, hope someone can help with this. Hamptons having been blanked have now reverted to being Lowells and have sent me this: NOTICE OF INTENTION TO ISSUE A COUNTY COURT CLAIM TAKE NOTICE that legal proceedings are currently being prepared to be sent to Court for service upon you. Should you want to avoid this happening you should contact us within the next three days to arrange settlement of your current debt of £xxxx.xx (letter is dated 22/11/07 and was received 27/11/07 so I guess I'm buggered as my three days were up before I received this).
  12. Lol, love the new icon/picture by the way, can I join the fan club too? Cheers, DG
  13. Hi Funhat, They supplied me with a bad photocopy of an application form earlier in the year, can't get it scanned but I posted a full description of it and it doesn't seem to be enforceable. Since then they've sent letters of various types all with threats of action but no definitive action has ever been taken, so I'm thinking they know this is unenforceable and are just trying their luck. As I mentioned Curly Ben and ODC have helped me immensely in understanding how these people operate and how to reply to them, so I think I can read between the lines on this one and take it as another e
  14. Hi Guys, Back at last, those friendly folk at Hamptons are back in touch, it's been a while. Here's what they had to say: From: Fly by night wide boy shysters To: Devonguy RE: Load of officious and irrelevant references to account numbers We refer to previous correspondence and note you have failed to respond to us to make realistic arrangements to settle the amount outstanding to our client. Legal proceedings may now be issued upon you without notice through the County Court, which would incur you with payment of the following costs:-
  15. Sorry pushed something there that posted before I'd finished. I was going to say these jokers seem to think its any amount over £750.00. Should I just start ignoring these idiots now? Cheers, DG
  16. Hi Guys, I've given this 'document' a thorough once over again just to make sure wishful thinking isn't at work here, and what I've posted above is all that's contained in it. Nothing else whatsoever. Also could I ask if anyone knows what the minimum figure owed would be for a DCA to start bankruptcy proceedings? These
  17. Hi (again) Guys, Has anyone any suggestions as to a next move with Clownells, or does the wait and see what they do next approach seem to be the best option? Cheers DG
  18. Hi (again) Guys, Has anyone any suggestions as to a next move with Clownells, or does the wait and see what they do next approach seem to be the best option? Cheers DG
  19. Hi again, Having trouble getting this thing scanned, in the meantime, here’s what’s on the document that’s readable: Application Register your Nectar number 1) Name and address Details: and all the relevant info 2) Personal Details: and all the relevant info 3) Home Details: and all the relevant info 4) Employment Details: and all the relevant info 5) Annual Income Details: and all the relevant info 6) Other Card Details: and all the relevant info 7) Bank/Building Society Details: and all the relevant info 8) Additional C
  20. Hi Ben, I always thought an application form didn't constitute a valid CCA (not that I'm an expert) Sorry to be a pain about this one but the reply I got from these pillocks has been quite disheartening. I'll try to get the document scanned, personal info blanked of course. I've only got internet access at work at the moment so it may be tricky as they are quite heavy on 'misuse'. Don't think this is covered by statue barred yet, I seem to remember some contact back in 2003/04 some time. Don't know where to go from here really should I just blank 'em and see what they do ne
  21. Hi guys, Well I received a letter from one 'Chido Asiegbu', dated 22/10/07, which after some preamble goes something like this (I've taken out the dross and posted the most important bit). 'Further to my letter dated 16 October 2007, I have now investigated your complaint fully and would respond as follows: Your comments that you do not acknowledge the above named debt has been noted. As you are aware this account was purchased from our client in 2005 (No I was not aware of this). Using the information provided to us by our clients and the services of a registered credit reference age
  22. Thanks ODC, stragely the first contact I ever had about this before Lowells was from Red Debt who I ignored then about a week later the Lowell letter started to arrive. I'll just blank any of their rubbish as well it will only go against them when it comes out in the wash that they are trying to chase for an unproven debt and investigate a complaint at the same time. Cheers, DG
  23. Thanks for the responses guys, right then back to the waiting game. Doubtless I'll still receive the Hamptons threat-o-matics in the meantime, but I'll just ignore them unless they get too extreme. I may even send a letter to Hamptons asking them to turn around and ask the guy behind them on the Lowells desk if it's true that they are 'investigating' and if he should stop before they provide me with a lot paperwork to present to the appropriate bodies. Cheers, DG.
  24. Well now interesting developments, got a threat-o-matic from Hamptons dated the 9/10/07 worded almost identically to the one previously from Lowells same sh*t as you say. Then received a letter from Lowells dated the 16/10/07 saying they had recieved my letter (thanks CB!) which reads: I can confirm that we will be conducting a thorough investigation into your concerns. Upon completion of this investigation we will write to you again. Please find enclosed a copy of our internal Complaints Procedure for your information. Please take time to read this as it explains how we will deal wi
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