Thanks Kitpower!!!!

Thanks for the advice letshelp. Unfortunately it appears tomtubby doesn not accept PM's..........tried sending one but no luck!!

This was the first lettter he received, can you tell by this whether they are proper bailiffs or just debt collectors!! ECE LTD.pdf

He's had two visits in as many days from the bailiffs whilst he's been out (they left their calling card) Have told him never to let them in or open the door fully following advice from here. Should I justr ignore or send a some of the letters I have seen in the forums? Thanks Ann-imal

Who are they? My brother has recently had correspondance from them for an unpaid parking ticket he knows nothing about!!! They are threatenign baillifs Are they just a typical debt collecting company who buy the debt off a company and use scaremongering bully boy tactics to threaten??? Any advice greatly received PS, have also posted in Bailiffs section of forum too!!!

Congrats Sherry1980 - a viictory for the people!! How long did it take to win your case!! Was it the first letter that did it or was it a long haul!!

HI moose, thanks for this!! Just read your reply to me in a previous post As you can see...........I WAS DESPERTAE!!! Thanks again

That is fantatsic, thanks so much moose73 :grin::grin::grin::grin::grin::grin:

Dont know if I am being a little bit blonde but I cant find any

Does anyone have a template I can use as a basis for my first PPI letter please Thanks in advance!!

Thanks Moose Been looking for at emplate I could use to start the conversations off. Not quite sure how to word it? Any advice? Thanks Ann-imal

Also, is there any letter templates which should be used in correspondance!!

Hi there Brief update of mine (partners) current position. Partner took out a loan back in 2001 before we met which he defualted on and subsequently it was transferred to the their collection department known as MCS Limited. I've tried, on his behalf, tackling whether the Credit Agreement is enforceable (with the very kind help of the members on here) and after a few weeks on ping pong mail between us and them, its come to light that everything looks to be in order. However, a member on here advised about being mis sold PPI and advised me to search the area. Please see link below http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/245768-mcs-limited.html I have spoken to my partner and he has advised me that he was told he had to take out the insurance as a pre requisite of having the loan!! Can anyone advise what my next steps should be!! Thanks in advance

Hi there Are there any templatyes which can be used for being misold PPI? Its an absolute mindfield out there and I want to make sure I am following the correct path!!! Thanks in advance!!

Thats not a problem Banish (although in an ideal world it would be nice) Is there a template that should be used when writing a letter regarding being missold PPI Thanks in advance Ann-imal

Hi there Can you claim PPI misold if you're account has been reffered to a debt collector!!! Thanks Anne

Thanks Ziggy - thought we had been careful but obviously not. Fortunately he hasnt lived there for a long while now! Uploaded again with all sensitive information removed :-| MCS Limited.pdf

Hi there Current update!! MCS finally released the documents (without the required signature ) and this is what they have sent. Is this agreement enforceable???

Have said as much in the letter I sent off yesterday!! Thanks for all the advice - will keep you updated!!

Thanks huff and puff - i must be blind as I trawled through the templates and totally missed this :eek:

My partner doesnt so I dont want to risk sending a signature!!! Hopefully a well worded 'In Dispute' letter will be enough to put this matter to bed. Or is that wishful thinking!!

Thanks for the clarification

Sorry to butt in on this thread but i'm a little confused. If no CCA is produced, then do you still need to offer a full and final offer to clear the debt? :confused:

The 12 days have passed.......its now day 21!! He's already stopped payment (which he indicated he would on his last correspondance) but not sure what to say within the "In Dispute" letter!!

Yeah was thinking of that however as i've said in the previous letter to them that I dont have to provide a signature, I dont want to give in now. So if they cant release the documents without a signature and I dont need to provide a signature in order to request them, is this a case of stalemate How would you progress it?