Bump!

From my dealings with them, I CCA-d EquiDebt in March 09, they investigate (EquiDebt), Advantis start threatening then EquiDebt close their file & return to OC, then Advantis just carry on where EquiDebt left off. Whether the two are linked in some way etc....nothing would surprise me with these two. I will bump up my EquiDebt threat for you. DC

I don't believe the two are related, both companies are a pain in the tail end. I haven't had any letters/phone calls from these since the summer.....since I made a complaint to Consumer Direct etc. If you're waiting for a CCA........good luck, lol!!!

We would like to wish everyone here on CAG a Merry Christmas & a Happy & Peaceful 2010. To all DCA's: ........rrrrrrazzzzzzzzzppppppppp......!!!!

Any updates?

Oh how I love Advantis Credit.......not, they are a pain in the backside. If you have sent the 'prove it letter', then it is down to them to prove it basically, whatever you do is DO NOT under any circumstances phone them, if they phone put the phone down on them or state that you will 'only correspond in writing, goodbye' and put the phone down. In my dealings with Advantis they probably won't have any paperwork regarding this alleged debt and will probably keep chasing, it maybe worth making a complaint to the OFT via Consumer Direct. Whatever you do keep a copy of all correspondence you have with them.

Did you send Cap 1 a CCA request, if so when did you send it? I assume this is for a credit card account?

If this account is in dispute, send Capquest the 'bemused letter', and if this idiot phones again don't enter into any conversation with 'em, tell them to 'bog off' or 'all correspodence in writing, goodbye'.

subbing.

You're welcome. Don't ever be intimidated by these organisations, they threaten alsorts, a year ago I was terrified...now I just laugh at them. If you click on DCA in blue with what looks like a link next to it on the left this will take you through to the Debt Collection Library then look up letter 19 Debt Letter - When a company refuse CCA due to no signature. ***************************************************** Dear Sirs RE: Account NO: XXXXX Thank you for your letter dated xx/xx2009 in which you say that you will not comply with my request dated xxx under Section 78(1) of the Consumer Credit Act 1974 unless I provide you with a signature. There is no requirement within the act that requires a s.78(1) request to be accompanied by a signature. Further, I note that you have sent statements and correspondence containing sensitive private information to me at same address as that detailed in my s.78(1) request. If you are concerned that you are corresponding with the correct person I wonder why you have not verified the information before. As you are aware, disclosing data without adequate checks of identity is contary to 7th principle of data protection, listed in schedule 1 of the Data Protection Act 1998. The time to confirm my identity was before you sent your first threat letter. My request for a true copy of my credit agreement under section 78(1) was made on xxxx and the 12 working days for your compliance expire on xxxx. I note that there is no provision that removes the requirements of the act to provide this information on time, even if you are unsure of my indentity. Please now comply with your legal obligation without further delay. PRINT NAME DO NOT SIGN ******************************************************** Send this recorded delivery. Their 12+2 working days runout I estimate around the 8th or 9th of December, I'm sure someone will correct me if thats wrong.

Don't send them a thing, they're not entitled to it, only the court can order this not some low-life DCA. Your CCA request has your name & address on it, thats enough, they've been corresponding with you at your address. Also whatever you do don't phone them, they will lie to you & try to bully you into paying, if they phone refuse to go through security and insist 'everything in writing' and put the phone down. Someone with more experience will be along later to offer more advise. Hope this helps.

Hi bugsy123 if they haven't responded to your CCA request within the 12 + 2 working days, you are under no obligation to pay them, send them the account in dispute letter, also complain to the OFT. Do you get lots of telephone calls off them? If so send the telephone harrassment letter, if they phone just insist on 'everything in writing' or just put the phone down...never speak to these cretins over the phone, they are very aggressive & rude...some of their operatives I struggled to understand them because of their questionable English & their foriegn accents, like I said never speak to them on the phone. They are very persistant, even after you have sent them the account in dispute letter & telephone harrassment letter, you will also start getting letters & phone calls from their solicitors Turnbull Rutherford...again complain to the OFT. This is a really unpleasant company to deal with...one of the worst I have had to deal with. There are other threads on this forum that will give you a very clear indication of what this company is like.

Thanks Cahsins, cross posts! Lol!

Thanks to this site, I'm more aware of our rights & what DCA's can/can't do etc. To the best of my knowledge no account was acknowledged, they just kept threatening my OH & she just said she would pay them £1 a week, I know she should ignore these idiots but is there a letter I can send to effectively rub salt in their wounds or to refute their claim that she acknowledged the account with payments etc?

Hi folks first a bit of background: We CCA'd AK a while back they very kindly supplied what looked like an application form without any of the prescribed terms, wrote back saying the agreement is unenforcable & its an application form etc, the debt is for a M & S Credit card. We had a letter from AK on Saturday: _______________________________________________________________ Dear....... I refer to your recent correspondence dated .......October 2009. The enforceability of the above account would be determined within the legal process if proceedings were issued. We do not anticipate issuing preceedings at this time as we believe negotiated settlements of debt are always preferable to legal proceedings. You have acknowledged the account with payments totalling £xx.xx recieved from October 2008 to September 2009. We look forward to hearing from you. Yours Sincerely ______________________________________________________________ My missus was happily paying them £1 a week, then over a period of several months they kept sending her letters about a reduced offer..if you know what I mean, in the end she came to me with it...so I CCA'd them waited 3 weeks then told her to stop any payments to AK, which she did. The question I have what exactly does this letter mean? I seems to me they are knackered..is that the case? Advise please!

You MUST complain to the OFT about HFO's behaviour.

Have you complained to OFT yet? If not do please do so, contact them direct on 0207 211 8430, the more people who complain the more chance of something being done about this awful company!

Sorry CAAD its been a long day. Letter 18 the General Debt letter is the one. The onus is now on them to prove that you owe them money. Like I said before, don't speak to them over the phone, if they phone just put the phone down & if they keep on phoning or they threaten a doorstep visit, there are letters to deal with those in the same place as you found the General Debt Letter (Letter 18). Should one come to the door just tell them to go away in words of your choice! If you get anything back, past it up here and someone with more experience than me will give you more qualified advice & what to do next. DC

Can anyone do a link to Letter 18 (General Debt Letter) in the Debt Collections Section?

Crossed posts...lol! A prove it letter is a bit different to a CCA letter, I'll have a fish about for you, bear with me.

Big time! If they phone, you either put the phone down or if you are brave enough just keep saying to them 'In writing only!', everytime they ask you a question, don't get drawn into any conversation with them. At the moment they are up for an award by me for the Biggest Bunch of Muppets 2009 Award!

Having re-read your original post, I don't think a Consumer Credit Agreement covers utility bills, I'm sure someone with far more knowledge than me will be along shortly.

I'm going through the mill with these idiots at the moment. DO NOT give them any information they ask for, they have no right to it. I have been having problems with them because they have ignored the fact that the account is in serious dispute with another DCA, so I have had to report them to OFT via Consumer Direct. Contact Consumer Direct and report them, by the way how long ago did you send the 'prove it letter'?

Not quite.

ANOTHER UPDATE: OH had yet another letter from these idiots at Advantis, the letter contained the following: ********************************************************** Dear Miss ****** LETTER BEFORE ACTION Unless payment is made within ten days of the date of this letter an agent may be instructed to collect the debt personally or legal proceedings for the recovery thereof may be commenced without further notice. This may result in the issue of a County Court Claim or if resident in Scotland a Sheriff's Court Writ against you. Should this prove necessary we will seek all fixed costs and fees together with statutory interest on the outstanding balances. In the event that a County Court Judgement (CCJ) is obtained it will be recorded on the Register of Judgements, Orders and Fines, or if a Sheriff's Decress is obtained details of the decree will be passed by the Courts to The Registry Trust. The obtaining of a CCJ or a decree may seriously affect your ability to secure credit in the future. If a judgement or decree remains unsatisfied a Bailiff or Sheriff Officer may be instructed to recover assets from you to discharge the 'New Balance' of your debt or we may apply to your employer for an Attachment of Earnings or we may apply for a Charging Order against your property, if owned by you. If you dispute liability for this debt please state your reasons in writing and supply documents in support of your defence to any claim. If you fail to notify us of any potential dispute prior to the issue of preedings and you subsequently file a defence we reserve the right to show this letter to the Court. To prevent further action being taken call Advantis now on 0845 *** ****. Your Sincerely Advantis Credit. ******************************************************** I count 6 mays in this letter...........who the devil do these Boneheaded Numpties think thy are........well I had a rather interesting chat with Consumer Direct about these Wallys today. Any comments?