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Right im with you now , Thanks for that, as i mentioned she was just taking a two month unnaproved break , they havent got snotty about it as yet , and was wondering about the reprecussions if they did.

Not sure i quite understand that, surely in order to bankrupt someone a credit agreement would need to be produced ? Maybe im missing something here ?

I dont think Jason will be getting any bells from me , he keeps dropping clangers

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I usually pretty much ignore debt collectors except capquest see my thread , most of them are full of the brown stuff and all give up eventually, however i have read this thread with interest and am now contemplating getting into a bit of a tussle with them to keep me amused through the long winter nights. The debt belongs to the other half , they dont have any phone numbers for her so its just the usual guff they sent out , i have started to keep them and am filing them under F for funny I for illegal and BS well you can guess that one , actually i should name the folder BS and file everything else in sub catagories . Anyway the debt is a next store card pre 2006 and i imagine if she cca s them the only thing if anything she will get is an application form which i doubt will be enforceable , the OH is a bit dubious about rocking the boat , but these clowns have annoyed so many people . The most recent letter isfrom their Debt Hardship service where their trained staff will work to try to help her , negoiate an affordable repayment scheme .The service is entirely funded by Ruthbridge and is provided absolutely free of charge . All you have to do is phone the number below ( cool ) . Now the funny bit , Should you ignore our FINAL offer of assistance we will have no alternative to refer your account to our Debt Recovery division . Signed Jason Evans Debt Recovery Division , Now call me an old sceptic , but i am starting to doubt that Jason is being straight with me here , im beginning to think that the file hasnt actually been sent to the Debt Hardship Service, where their trained advisors are working tirelessly to help negoiate an affordable repayment scheme at all . No i believe Jason is trying to pull the wool over my eyes on this one , and what his letter should of said was . Dear Mucker , listen to i tell you this , christmas is coming up soon and everyone in Ruthbridge need the cash for skiing holidays etc, we have tried numerous ways to dupe you into giving us a bell , but all to no avail , we have tried the dear occupier letter , which usually makes people curious enough to call us , but that didnt work , then we had a go at the old bankruptcy one, people usually panic when they get that and are on the phone immediatley to us , but that effort was wasted on you , we tried the 72 hour one and waited patiently by the phone only to be dissappointed by your failure to take the bait. Look mate we are running out of ideas here please give us a ring , our dedicated staff are anxious to try and get some christmas money out of you , and some of the money we get from you will go towards sending out letters offering our Free debt hardship service to other people . We cant really get our message across to you on paper because we cant really put any of our bully boy threats on it , in case you show it to someone. So please please i beseech you give us a bell . Your Mate Jason

I have this posted on another part of the site , but so far have had no response , Just one on behalf of the OH who has a payplan agreement which has been in operation for close on three years she took a year out of it with their permission when everything else went pearshaped., She is now requesting a further 2 month break to enable her to get over christmas , something which Payplan are not going to agree with . I have told her to tell PP that she is not requesting a break merely taking one . Now judging the amount of non enforceable agreements floating around im wondering should she cca all her creditors just to see who can come up with the goods , i think the bulk of the agreements will be pre 2006 , Barclaycard , Halifax loan and credit card , cap one and Cahoot, that i know of. From memory the Cahoot agreement was in order , but i think the likelyhood of the rest being good is slim . Is it worth the punt ? What position would she be in with PP ? They insist that failure to keep up repayments may result in bankruptcy proceedings, Bankruptcy proceedings i imagine would require agreements . Any one have any ideas of what could or might happen if even half of the creditors cant produce the goods? Could she reduce what she is paying PP on the grounds that half dont have enforceable agreements? A lot of question marks here i know , but any thoughts or experiences would be a help.

I was thinking that myself , a cca should still be required regardless of any pyments made, If this were to be true the only times you could win a case are if you never paid as much as the first payment of a debt or it was statute barred

Try Payplan no fees

My OH has one with Payplan , and she says they just send out a form for you to fill in , nothing more than that

Hope all is well with everyone , Just one on behalf of the OH who has a payplan agreement which has been in operation for close on three years she took a year out of it with their permission when everything else went pearshaped., She is now requesting a further 2 month break to enable her to get over christmas , something which Payplan are not going to agree with . I have told her to tell PP that she is not requesting a break merely taking one . Now judging the amount of non enforceable agreements floating around im wondering should she cca all her creditors just to see who can come up with the goods , i think the bulk of the agreements will be pre 2006 , Barclaycard , Halifax loan and credit card , Cap one and Cahoot, that i know of. From memory the Cahoot agreement was in order , but i think the likelyhood of the rest being good is slim . Is it worth the punt ? What position would she be in with PP ? They insist that failure to keep up repayments may result in bankruptcy proceedings, Bankruptcy proceedings i imagine would require agreements . Any one have any ideas of what could or might happen if even half of the creditors cant produce the goods? Could she reduce what she is paying PP on the grounds that half dont have enforceable agreements? A lot of question marks here i know , but any thoughts or experiences would be a help.

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He has the agreements in his house somewhere , so will get a look at them , see if there is any ammunition to be found . If there is i will CCA them anyway, just helps to stall them a bit. I think if they ever went to court they would only get the nominal amount , so perhaps an opportunity to have some fun. Hell i can have a laugh for the price of a few stamps , great value entertainment.

Fired a letter off to the courts , stating that he would be applying for a setaside at a later date , and understood that the court still had to make a judgement . Seeing as he was financially incapable of making payments they should go ahead with the charging order hearing if the charging order was granted we wish to advise that it would be subject to an appeal at a later date , this gives oodles of time to get some money together for a brief.

Here we go with another scrap for my son , this time with provident . He and his wife both have accounts , and owe them so much between them its scary. 2,900 . Silly i know but kids have a lot to learn . Both of them had being making regular payments and ran into diffs some time ago , the collection agent was aware of this and said he wouldnt call for a while , that was around 6 months ago , he never returned. Today they both recieved letters from C K EDRUPT advising them they had been instructed to collect the balance and had untill the 30th of Jan to make payment or to send an offer. This is the first correspondence , should there not of been a Default notice , an letter of assignment sent first ? He has the agreements so will get a look at them soon , am i right in assuming that EDRUPT are inhouse collections? and have they already made a boob by not sending the DN?

Trying to delay things as long as possible to give my son enough time to get the money together to get a brief etc. Just been on the phone to welcome regarding their failure to send me any paperwork , i have been asured it will be in the post today , i made a big issue of wanting the credit agreement with the signature in the proper box , to which i was told i would get. wouldnt that be a nice turn up for the books if a properly signed one materialises.

Dear Mr Robins Following our recent and short telephone conversation, in which you stated , that postcards addressed to the occupier of an address was quite legal and common business practice i would like to advise you of the OFT guidelines on unfair practices. Those contacting debtors not making clear who they are, who they work for, what their role is, what the purpose of the contact is. Acting in a way likely to be publicly embarrassing to the debtor either deliberately or through lack of care, for example, by not putting correspondence in a sealed envelope and putting it through a letterbox,thereby running the risk that it could be read by third parties. I trust that this will make the matter clear to you and your company . I have forwarded my complaint to the Office of fair trading regarding your behaviour. I have deliberatley ommited any contact details for myself , in order that your company might think twice when considering sending out phishing mail in the future.

Have just posted a copy of his postcard along with some of the OFT guidelines for his purusal . It may be common business practice but its not legal Mr Robins.

A quick phonecall confirms his name as Alex Robins , and he states it is not illegal to send out postcards and it is common buisness practice , i refused to give him any reference number so he bid me farewell.

Its only a first name ALEX

Thought that ODC and tea and toast i didnt think it was fair to put the muppets name up , after all he is only trying to make a living. lol

Interesting never knew that Seminole , might just sit tight a while see what else they come up with . Are these fishing trips not illegal?

lol getting tempted ODC

Might wait for the threatomatic , might be for someone else in the house. wouldnt mind a bit of sport though . Decisions decisions . Are they bottom feeders?

Hi all , got a postcard this morning addressed to the occupier . The card comes from Hull and asks to call John Doe on 01482380680 ref ********** . Anyone know who the culprit is?