UPDATE*** If this couldn't get anymore confusing, OH had a letter from Equidebt in the post today saying '.....they don't have her CCA & are returning her debt to OC & will not recieve anymore corresponsence from Equidebt....'! What now?

Would something along the lines of: Dear Sirs Thank you for you letter dated xx/xx/2009 Please find enclosed: Copy of original CCA request sent to Equidebt Copy of Account in dispute letter to Equidebt I trust this makes things clearer. Yours Sincerley ******************************************************** Would that do, any suggestions?

Bump!

UPDATE: Sent the bemused letter to Advantis on 6th June, got a reply from this company today in response: ***************************************************** Dear miss **** We write in reference to your letter dated 6th June 2009, regarding an outstanding balance due to our client, Ikano. I acknowledge from your letter that this balance is in dispute, however until we recieve your letter, we were unaware of this. Unfortunately, as we act on behalf of our client and under their instruction, we are unable to refer this account back to the previous collections agency. Please forward any details of this disput and I will endeavour to investigate this further on your behalf. I will place this account on hold to suspend any further action for 28 days to allow sufficient time for us to recieve this information. Finally, I recognise your request to deal with this in letter only therefor I have removed your details from our standard contact campaign. Yours Sincerely Claire Bithell Complaints Administrator Advantis Credit Ltd ******************************************************* How do I respond to this? Any help will be appreciated. DC

Many thanks pin1onu.

Send them the telephone harassment letter & also that any further correspondence be in writing (could someone do the link as I don't know how to). When they phone, if they ask you security questions, simply refuse to answer them & state '...all correspondence in writing!' then hang up. Don't ever speak with them on the phone as they lie through their teeth to you & bully you into paying more, Get a CCA request off as soon as possible that gives them 12 working days plus 2 for delivery to send you a true signed copy of your Consumer Credit Agreement. Go to Letter Templates Letter N for your CCA request. (Link please). After the 12+2 are up, your account will go into dispute, which means that they will be unable to enforce your account, it will be unenforceable at law. (Before you ask no I'm not a solicitor/expert, just got all this info from this forum). Sorry I can't do the links for you, I just don't know how to, but I hope I've helped you a little. Please don't worry, there are many people on here that will be able to help you. DC

Bit of background first. We changed from E-On to N-Power in February but wasn't happy with the tarrif they put us on & wouldn't change it, we transfered back to E-on in March. In April we get a Gas Bill from Npower for £150 bearing in mind we have the Quantum System Pre-payment meter & have between £30 - 40 on this meter at the time we were with Npower, so I contacted Npower and told them that I have a Quantum System Pre-payment meter & had so much on this meter & couldn't understand how this happened, I need a reading for them, they went off to investigate, I then contacted my supplier to ask what was going on, they asked for a reading, which I gave them & told me not to worry. Today I get in the post from Npower a final bill for wait for it £11.50, its not alot but its the principal of that I DO NOT owe them any money as far as I'm concerned, checked my Gas Meter & theres still plenty on my meter. What letter do I send to Npower & tell them that I don't owe them a penny? Any help would be appreciated. Sorry if this post rambles slightly its been a long day & very tired eyes 7 brain cells.

I think you will find on other pages of this forum that this cretin (Bryan Carter, don't you just love him? Not), has a very nasty habit of splitting his claim.

Nice little update for you: I think someone has been very naughty: My better half recieved a letter from Advantis Credit Ltd for this alledged debt to Ikano, to recap on 15/3/09 we send Equidebt a CCA request, on 18/4/09 we send EquiDebt Account in disput letter to which we recieved letter on 22/4/09 (see post above), then another letter 19/5/09 which said they were still looking for the CCA & still making their investigations & waiting on instructions from client/vendor, now today we recieve this letter from Advantis Credit Ltd which I will re-type as we have no scanner Dear Miss ****** We are acting on behalf of above named client who have passed your debt to us for collection. This debt must now been paid to us in full immediatley. Call us now on the Advantis Priority Telephone Line 0845 402 2686 where our advisors are waiting to take your payment. Alternatively, you may pay using one of the methods detailed on the reverse of this letter. Please quote your Advantis Reference in all communication. If we do not hear from you within 14 days from the date of this letter we may commence legal action to recover this debt. Yours Sincerely ***************************************************** Do you think a little bemused letter to these parasites would be the answer? And what nice letter could I write to Equidebt or Ikano? One last thing, the missus took a call on the landline from these people, didn't last long, 3 words from her two of which are unrepeatable on here.

Many thanks.

My partner is being chassed for an alleged debt of £230 by Equidebt. Bit of history: Not to sure what this debt is about so on 15/3/09 we send them a CCA, then on the 18/4/09 we then send them the account is dispute letter, we get a letter from them dated 22/4/09 confirming they had recieved our letter & that all collection activity had been suspended on the account for 28 days, then on Friday she recieves a letter dated 19th May 09 which as follows: Dear Miss **** Our Reference: Creditor: Ikano Financial Services Complaint Ref: ****** Further to our previous letter dated 22nd April 2009, we have still to complete our investigation as we are waiting for further information from our client/vendor. We will confirm that we will be writing to you by 22nd June 2009 with the outcome of our investigations. In the meantime if you need to contact us about any aspect of this matter, please call the following free phone number 0800 587 5576. Your Sincerely, We are not going to call them, more chance of hell freezing over. What response if any would you suggest, if any. Many thanks.

Thank you to all, I'm gonna wait & see for a week or two before I do anymore, if I was to send them this CPR16? where do I find it? (Sorry for being slow)

***UPDATE*** Got two letters from this firm this week, here they are: 1st: 21th April 2009 Dear DC76 Our Client: HFO Capital Ltd We have completed our investigation into your affairs in anticipation of litigation against you and have applied the relevant costs to your account. Following our review, we have made a County Court Recommendation to our Client and we now await confirmation that we may proceed by issuing a claim against you in the Northampton County Court for the outstanding balance, together with accrued interest, solicitirs fixed costs & court fees. If the Claim Form is served on you by the court, you will also recieve a response pack which will contain instructions on what you should do if you want to admit the debt or file a defence. Note that if you decide to file a defence, you will need to provide evidence in support of your defense and we will be instructed to ask why such evidence has not been supplied earlier, in accordance with Civil Procedure Rules. Contact me on 0208 **** **** should you wish to discuss any aspect of this matter pending confirmation from our Client that we may preceed with litigation Your Sincerely Alexander Josolyne On Monday I sent the letter that was suggested by MaroonDave52?(Sorry if mis-spelt) by recorded delivery, in the package were copies of my CCA request & Account in Dispute letter with copies of proof of posting & delivery, then yesterday I recieved a letter (2nd) from Turnbull: 22nd April 2009 Dear Mr DC76 Our Client: HFO Capital Ltd We acknowledge safe reciept of your letter and noted the contents. We now await our client's comments and further instruction. Your Faithfully (No name this time just a scrawl) TURNBULL ROTHERFORD SOLICIORS What letter/action do I take now?

I've had dealings with this shower in the past, so I have no sympathy for this man!

Thank you to all, the letter that Maroondevo52 suggested has been typed up, I will also be sending copies of 4 letters that I sent HFO in the last 4 months plus copies of Proof of Posting & Delivery.

Ok thanks for that. HFO are by far the worst firm I've had to deal with to date, very agressive, rude, don't acknowledge letters.....the list could go on, which begs the question: Why on earth have they got a Consumer Credit License?

Thank you, will get that sent sometime tormorrow.

I have proof of posting & proof of reciept.

Hi there, I've had 2 letters from Turnbull Rutherford solicitors whilst we was away, who I know are acting upon HFO behalf regarding a loan for £5,000. On 1st December I sent HFO a CCA request, which they ignored, about a month later a default letter & telephone harassment letter, then 14th February another default letter, now I have got these two letters, I don't have a scanner, so I will copy what I have onto here, so here goes: Letter 1 Dated 30th March 2009 'We have been instructed by our client to review your account in order to assess whether legal action against you is a viable option in respect of this debt. There is a legal charge for this review, which has now been added to your debt. Our client is the legal owner of this debt and we have been advised of a "REFUSAL" on your part to deal with this matter. However if there are any admissable reasons why you have failed to address this obligation, then it is our duty to address these prior to litigation. If we resolve the issue within 7 days, we are instructed to remove all legal charges, and further review for County Court litigation will not be necessary. You can reach me during office hours on 0208 *** ****. Please be aware that a refusal to discuss this matter or contact me with a valid reason for non-payment will be noted on your file and may be disclosed to the Court in the event of litigation Yours Sincerely Alexander Josolyne Now for the second letter dated 8th April 2009 (From Turnbull Rotherford) Dear...... Our Client: HFO Capital Services I wrote to you recently in connection with your outstanding debt to our client of £****.**, which is due for immediate repayment. If you fail to contact me to discuss your account, this will result in my client instructing me to qualify your case for litigation. It will be necessary for me to carry out various searches against your name at the Credit Reporting Agencies. THe cost of these disbursements will be added to your debt and the work is due to start of 15 April 2009. Please contact me if you would like to discuss your case before these searches are carried out. Yours Sincerely Alexander Josolyne As said earlier we was away for 2 weeks with relatives, so have been unable to action these any quicker, any help would be appreciated!

UPDATE: CCA request in default as of 5th March 09, so over last weekend typed up a default letter & sent it recorded on Monday. Haven't had any phone calls from these cretins for over a week now.

No probs tendogs, I'm still fairly new to all this. Regarding the phone call that my missus answered from them & what she said & the way she said it whilst left me gobsmacked but also left me laughing, sadly what she said is not repeatable in a public forum.

Thank you for the replys, just to check something: The 30 day rule doesn't apply anymore because of the CPUTR 2008 or whatever its called?

I had a letter (arrived 14/2/09) along with numerous missed calls from the cretins from Wescot for either a Credit Card or Current Acc I had with NATWEST between 2004 - 2005, I'm not sure which account they're dealing with. So on Monday 17th February I sent them a CCA request with a mention of I will only communicate in writing & that I will not accept doorstep visiters etc, they still phone once a day leave a message on the 1571, the missus told them to go forth....., last Saturday when they phoned which left me gobsmacked, then yesterday I recieve a letter stating that unless I pay them the full ammount in 14 days they MAY send summonds or claim to Hull County Court, bearing in mind they are not in default with my CCA request until Thursday 5th March 2009, is this letter one of there threatograms or/and how do I respond to this? Many thanks DC76:confused:

Letters will be sent Monday, Tuesday at the latest. Thank U

Thanks Ida x