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BillyBob1

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About BillyBob1

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  1. Hi all, I'm back looking for some advice again . For a bit of background, I was using the creditor to supply me with materials. Upon receiving statements that contained material I had not been supplied with, I queried the creditor. After failing to adjust the statement figure for three months, I refused payment for the balance of my account until the matter was sorted out. I have proof, in the form of delivery tickets with amounts of material showing a delivery quantity of zero but statements showing the material as having been delivered. To add to this, I have proof of ot
  2. I figure it's just more ammunition for me in court - if they can't even respond to a letter properly and at least attempt to address some of the points raised in it, how are they fit to run a debt collection business? I couldn't decide if they'd replied to the wrong person when I first read it - I almost want to write them a letter thanking them for dealing with my complaint quickly and effectively!
  3. Ok thankyou. I'll post up the letter of complaint I sent to Power 2 Contact firstly, informing them I intend to take them to court. It's a bit heavy reading im sorry but I spent a while trying to ensure it was clear and concise. http://img4.imageshack.us/img4/4774/p2c.jpg http://img29.imageshack.us/img29/8108/p2ca.jpg http://img5.imageshack.us/img5/7940/p2cb.jpg And below is Power2Contact's rather amusing and utter nonsense reply: http://img692.imageshack.us/img692/2796/p2cc.jpg I think the part I find hilarious is where they have the cheek to refer to the OFT - Gu
  4. Thanks for the replies everyone, much appreciated. I was under the impression complaints to the FOS and ICO were next to pointless - thankyou for pointing out a court would be looking for this. I'll get on with making the relevant complaints, if anyone is interested in the progress I can upload a scan of the relevant correspondance thus far? Thanks, Billy.
  5. I think I have a good case against a debt collector who has breached the OFT - Guidance on Debt Collection and the DPA and would really appreciate someone casting their legal eye over it. I'm debating instructing a solicitor to act for me, but would like an unbiased opinion as to whether court action is feasible. Cutting a very long story short, I alledge that a DC used an outdated telephone directory to gain a telephone number for my address and proceeded to phone this number without taking any reasonable precautions to ensure it belonged to me. It did in fact belong to the person w
  6. Hi Melbel, I'm following your thread with interest as I will also be filing a complaint with the relevant authorities about Moorcroft - an absolute bunch of cretins. I wish you the best of luck!
  7. Thank you all for your replies - they are very much appreciated. I have drafted a letter ready to send to Moorcroft, please find it below. I apolgise for the heavy reading, I have commented out the standard 'account in dispute' part so anyone following this thread can skip through it more easily. Ok, here goes: Mr B Bob 23rd October 2009 Moorcroft Debt Recovery Limited PO Box 17 2 Spring Gardens Stockport SK1 4AJ Dear Sir or Madam, Account Ref: ******************** Your C
  8. And finally a reply from Moorcroft. http://img200.imageshack.us/img200/6334/moorcroftdr.jpg I'm absolutely furious that these people have completely ignored the content of my previous letter to them (above). I'm sure they are breaching the OFT Guidelines on debt collection by using statements that are untrue on their correspondance with me, I'm going to get stuck into some serious reading shortly. Is the conent of this letter correct - is it my responsiblity to contact the original creditor for the CCA request? I'm also wording a reply, any further input will be greatly ap
  9. Thanks for the prompt reply diskmandave. To be honest, my original letters contained just about that paragraph as recommended also by my IP, the rest is simply fluff to keep them busy for a couple of weeks. The trouble I found is the creditors are not legally obliged to communicate direct with my IP until the IVA is in place (afaik - please correct me), and all but one so far have ignored my requests to direct their correspondance to my IP. It really annoys me how, even after being advised that we're (my IP and myself) are trying to sort out a proposal for the creditors, I have
  10. And my reply: Dear Sir or Madam, Account Ref: **** **** **** **** Your Client: Royal Bank of Scotland PLC Further to your letter dated 25th September 2009, please be advised that you will not call to my home to collect any debt. Any communication regarding this debt should be sent directly to the insolvency practitioner working to assist me with my financial affairs. A proposal to repay any debt that you claim is owed will be made as soon as it is reasonably practical to do so. Your
  11. To cut a long story short, I'm in the later stages of applying for an IVA and still receiving numerous letter per day from my creditors. I was hoping I could post the latest here along with my reply for some critique? Hopefully my IVA proposal will be accepted as and when, in the meantime I'm just fending off the creditors daily 'Notice of Intended Litigation' letters and I hope me posting some examples here might help someone else doing the same. Please see the following for the latest letter from Moorcroft Debt Recovery: http://img23.imageshack.us/img23/4749/moorcroft.jpg
  12. Just a quick question if you don't mind me asking - who was the solicitor that acted for you on a no win no fee basis and how did you approach them? I have no intention of making a complaint to the useless FOS and like the idea of the County Court route, I would just like some more information before I start proceedings. Thanks in advance and congratulations btw, billy.
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