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bronwyn99

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About bronwyn99

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  1. I can't help but think this person has a serious problem they're trying to 'cure' by buying a lot of useless junk from Amazon, seeking some kind of fulfilment therapy. I hate Amazon but can see how they'd get fed up with dealing with endless returns on low-cost crap. Seems they've been ordering a multitude of cheap gadgets from dodgy sellers, in case they do get the rare bargain (read: something that actually works as described). They then determine they have the right to return the many things they buy that are complete rubbish - based on Amazon's return policy they have every reason to believe they're OK to do so. But it's sad. Maybe getting kicked off Amazon will be a good thing and they can get the help they need.
  2. Thank you - he accidentally picked up the phone because he was expecting a call from someone else I think there is a form letter he can send them telling them they are out of order and what they are asking for essentially changes the T & Cs that SLC had in place - anyone have the template to share? They know they are in the wrong, just like we do, but that doesn't stop the stress. We are trying to keep this creepy DCA from putting black marks on his credit rating.
  3. Hi everyone - I hope someone can help. My partner is being harassed by Erudio, despite giving them everything they have asked for more than once (and being subjected to a harrowing interrogation on the phone from a completely idiotic know-nothing for about half an hour!)! Are they allowed to demand (this time by post) a stamped SA302 form from HMRC to prove his self-assessed income? If HMRC electronically generates a completed form for you, why isn't that good enough? Are they allowed to change the T & C's from what he had in place with SLC since the late 90s re: deferment? He has never been in arrears and has deferred successfully through SLC for years. Thanks
  4. Hope someone can help me, my partner is being harassed by Erudio, despite giving them everything they have asked for more than once (and being subjected to a harrowing interrogation on the phone from a completely idiotic know-nothing for about half an hour!)! Are they allowed to demand (this time by post) a stamped SA302 form from HMRC to prove his self-assessed income? If HMRC electronically generates a completed form for you, why isn't that good enough? Are they allowed to change the T & C's from what he had in place with SLC since the late 90s re: deferment? Is there a form letter he can send them to tell them to knock it off? Thanks !
  5. Hi, thanks for asking. I wrote and told them how not on it was, and that I was reporting them to the OFT (which I did, forms and all), and never heard from them again. Yet the OFT said they couldn't do anything for me since I was filing as an individual, but that they had no existing record of this firm acting inappropriately/illegally... but that doesn't mean they haven't been flagged up either. Apex appear to have sold it on to someone else (Lewis something, I think?) whom seem to be trying to do things by the letter - I did the CCA request, etc., to which they replied my account is "on hold" for 28 days until they can deal with it. I'll check who it was and post to see what other people's experiences have been with this new firm. They are, for a DCA, seemingly rather civilised at this point!
  6. this really made me LOL! yeah, there are an awful lot of BIG WORDS in there.
  7. update 1: of course the cheeky beggars sent another one off the next day which arrived today... once explaining how out of order they are to my landlady she totally understood & just laughed about it. both my letter to them, and my complaint form to the OFT, went out today
  8. This forum is ace. Here's my letter to them so far: Dear Sir/Madam Reference no: XXXXXX You have contacted the owner of the property where I am residing, referring to them as “occupier”, regarding the above reference number. I would point out that I have no knowledge of any ‘personal matters’ with, or debt being owed to, Apex Discovery Solutions. I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Contacting anyone other than myself at this address is tantamount to physical / psychological harassment and will be treated as such. I am reporting your conduct to the OFT as a result of your actions in this instance. I would ask that no further contact be made concerning this matter unless you can provide evidence as to my liability for any debt or involvement in any ‘personal matters’ with yourselves in question. I await your written confirmation that this matter will be handled with respect for the guidelines set out by the OFT going forward. I look forward to your reply. Yours faithfully ( NO SIGNATURES! ) Mrs XXXXX CC: OFT, London EC4BXXX ...any other suggestions?
  9. Apex Discovery Solutions - Sending a letter addressed to 'occupier' which just says 'We are attempting to contact the above named person regarding a personal matter and we have been provided your address as being the possible residential details for our subject"... demanding that the "occupier" call them "immediately" (which is bold and underlined) regarding me, why can't they just send me a letter? It's a major psychological scare tactic, and it has upset my landlady. Will be complaining to trading standards and the OFT immediately.
  10. yes babybear39, I was just thinking the same thing as you can see from my last post... I think I am going to get cracking on those complaints letters immediately, this has really upset my landlady and I had to do a real raindance to calm her down yesterday
  11. Thanks harassed senior, I think that will be very useful! They haven't even said they are trying to collect on a debt yet, they are trying to confirm whether I even live here or not... it is addressed to 'occupier' and just says 'We are attempting to contact the above named person regarding a personal matter and we have been provided your address as being the possible residential details for our subject" "our subject"? is this a letter from Her Majesty The Queen? But seriously, how legal is this, that they demand "occupier" call them "immediately" (which is bold and underlined) regarding a third party? It's a major psychological scare tactic, and I doubt its legality the more I think about it. Why aren't they just sending a letter TO ME at this address???? Something is very rotten here.
  12. Hi, I hope someone can help me. Apex have sent a letter to 'occupier' at the address of a room I am renting, to see if they know of my whereabouts or whether I live here. Due to a disastrous financial failure (job loss, flat loss, partner loss etc) I have stopped paying a Halifax card about a year ago. But, there is not any evidence in the letter if this is regarding that specifically, and they can't even confirm I am here or not. I have no money and am now a student (not even working yet)... I want to come clean with them finally and offer what I can (which is nearly nil, but even if a judge decides on £10 a month I'll do what I can). My question is, do I send them a CCA request even though I don't know precisely what / who they are collecting for, nor have they confirmed my identity at this address? > My landlady is about 70, and opened the letter saying to call an 0844 number *immediately* if they have any information about me... naturally she thinks the CIA or something is after me so I don't want them to start harassing her or me by sending more scary letters like this that she will open. Should I send them a CCA request, fessing up they found me, but not referring to any specific debt/card, leaving it to THEM to identify whom they represent? Thanks for your help! (It's probably about £1500 that I owe)
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