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Misterzeus

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  1. Sorry 42man my earlier post must have crossed with your other post! Thanks for the letter template. Regarding the signature, I'm a bit worried about making fraud allegations, although it does look suspect in my opinion. Perhaps I could say it in a roundabout way! I shall have to think about that! Thanks very much again Regards, Mrs Z
  2. Hi all, Mrs Z here, it must be our week for getting bugged by DCA’s. So, yet another new thread – this time it’s Metropolitan Collection Services in-house DCA for First Direct/HBOS. This debt is really small fry (in comparison to the rest anyway!) at £460. Just over 3 months ago they agreed to a payment plan and on the letter at the bottom there is a Standing Order Mandate that shows the commencing date and the end date in the year 2046. Mr Z pays them online through our bank account. Today, Mr Z has received a letter from these morons stating that they have noted that he has been maintaining payments as agreed under the “arrangement”. They go on to say that however, this arrangement was temporary and has now expired. They give an option to either: Ring their free phone number to discuss the next course of action Or Complete the tear off slip on the letter and return within 48 hours (letter dated 25th September). On this tear off slip it asks for a payment offer and it states in order for the offer to be “considered” the appropriate boxes must be ticked: Whether home owner or tenant Employed/Unemployed In addition they ask for telephone number – home, work and mobile number and Email address. Needless to say they will not be receiving any telephone numbers or email addy! Any suggestions on how to reply to this, given that they have reneged on the deal made a few months ago?? Also, our concern is they will want to see wage slips, mortgage statements etc, can Mr Z refuse to provide that paperwork? Any advice/opinions gratefully received, thanks Mrs Z
  3. Thanks so much once again 42man, very helpful Just one thing though, their signature on the CCA looks rather strange, looks like it may have been super imposed on?? Maybe it's my over active imagination! But it just doesn't look right. Thanks again Mrs Z
  4. Thanks Andy, but unfortunately I'm an impetuous fool. I was away at the post office posting said letter when you posted!! I can't really see it doing any harm, just as you say - I've wasted time and money, but it was a "letter before action" and I panicked - that is my defence m'lud Regards, Mrs Z Babydoll, no doubt Mr Z will get further grief from yet another set of cretins!! We shall have to wait and see
  5. Hi, Mrs Z here. We sent Mr Z's CCA request to: Capital One Bank (Europe) Ltd PO Box 5282 Nottingham NG2 3HX We recieved a CCA yesterday, whether it's enforcable or not is another matter
  6. Ok babybear will do, thank you Absolutely citizenB, consider it done (with pleasure ) thanks My resolve to fight is coming back!! Hey babybear, yes, they've wound me up so it's only fair I reciprocate
  7. Thanks citizenB, will do palomino, thanks I know and posting on here and the replies recieved have given me the courage to keep on fighting :grin:
  8. We're fine (although stressed by all the DCA action of late!) thanks babybear, hope you don't get too stressed out by Uni! CitizenB, thank you so much for that template - absolute class! I will get them typed (will send to B, O & S too) and posted by recorded delivery. Should I send a copy of Moorcroft's threats to FOS? Thanks again
  9. Thanks babybear, will do. Hope you're well. Mrs Z
  10. Hi all, Mrs Z again! B,O & S have sent a "Notice of Intended Court Action" letter this morning, despite them having recieved account in dispute letter and a letter telling them that the CCA they supplied was merely an application form. Help! I'm losing the will here, what should we do next?? Any help much appreciated A very stressed Mrs Z
  11. Hi all, Mrs Z here, it seems the DCA's are working overtime of late!! This post is regarding Amex (this complaint was sent towards the end of July to the FOS and is awaiting an adjudicator). This morning a letter has arrived from Moorcroft Debt Recovery Limited - Pre-Court Division concerning Mr Z's Amex account. http://i305.photobucket.com/albums/nn216/Misterzeus/Moorcroft1done.jpg Any advice on how to respond please? Thanks, Mrs Z
  12. Good morning, Mrs Z here. I would appreciate anyone’s opinion on whether this Cap One CCA is enforceable or not? I have put links to all the paperwork received from them yesterday. http://i305.photobucket.com/albums/nn216/Misterzeus/CapOneCCA.jpg http://i305.photobucket.com/albums/nn216/Misterzeus/caponelett.jpg http://i305.photobucket.com/albums/nn216/Misterzeus/CapOneLetter2.jpg http://i305.photobucket.com/albums/nn216/Misterzeus/CapOneletter3.jpg http://i305.photobucket.com/albums/nn216/Misterzeus/TCfront.jpg http://i305.photobucket.com/albums/nn216/Misterzeus/TcBack-1.jpg Much appreciated, thank you
  13. Excellent letter FunkyFox, letter printed and ready to be posted off to our MP. Mrs Z
  14. Good afternoon, Mrs Z here I have signed the petition, I will get Mr Z to do so later. I can't believe that there is only a small number of signatories on there, given that this forum is frequented by so many! Come on Caggers, as FunkyFox says, it only takes 2 minutes!!
  15. Good morning all, Mrs Z here We have this morning received a response back from the OFT re the CRA mass complaint, so will be signing the "Permission to Disclose Complaint" and getting it off in the post asap. The more people that complain and sign the petition, hopefully the OFT will be forced into taking action.
  16. Good job I abide by Mr Z's rule and have no coffee in the office!! Absolutely fantastic fuzzybobble!! Hope you do some more!! Thanks for making my day Mrs Z
  17. Interesting point there Paul, but I don't suppose we'll know if that will be the case until it is in force? I agree with your post entirely Maz, it makes me wonder if it's worth fighting to keep our house if it is allowed to happen
  18. I've just read the article in the link that Guido kindly posted - thanks It doesn't make for very happy reading does it?? You're right Monx, we will no doubt see many more aggressive methods used by the DCA cretins and probably some of the Creditors (who can be as bad as the DCA's).
  19. Agreed, we should do something. After all, this Government is in enough turmoil, perhaps if we do shout loud enough, maybe, just maybe they will listen! We own our own house (should I say it's mortgaged) - albeit in negative equity, but even so. It will make the decision to keep our house very hard if this is carried through. I've no doubt that there will be many other house owners that will feel the same way!
  20. There was talk of this earlier in the year, I personally think it's disgusting but what can we do? I can't see the Government reversing it - if it has already been passed into Law Mrs Z
  21. Thanks again zazen.warrior, will get it prepared ready to send. Regards Mrs Z
  22. Thanks eastendboy - that's good news Thanks zazen.warrior Do you think that Mr Z should CCA them then? Should this be in place of replying to their letters? With other creditors, we have waited until they pass us over to a DCA before requesting a CCA (this is only done when the debt is disputed due to excess charges and suchlike). However, Capital One are guilty of that too, so have no qualms about going down the CCA route if necessary. Thanks again, Mrs Z
  23. Good morning all, Mrs Z here. I have started a fresh thread as I think Capital One is getting ready for its next victim. Yesterday Mr Z received two letters from Capital One, one states that the repayment plan is due to end * Feb 08, their letter was dated *Sept 08 – what a joke, they’re only out of date by 7 months! The other letter dated the same day is asking for another I&E. They want copies of bank statements, wages slips etc. I’m sure that I have read that only a court can demand to see this kind of proof. For obvious reasons, Mr Z does not want them getting hold of his work details, or for them to know we have a mortgage, I’ve read that it’s best to list the mortgage as “housing costs” to prevent them using this against him – negative equity anyway, in fact, probably more so now, due to the credit crunch. Any ideas what we can say to them? All advice/opinions very welcome, thank you Regards Mrs Z
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