Jump to content

coledt

Registered Users

Change your profile picture
  • Content Count

    36
  • Joined

  • Last visited

Community Reputation

1 Neutral

About coledt

  • Rank
    Basic Account Holder
  1. Hi, I owe a catalouge about £600 and after a long drawn out dispute I have started to pay them back £100 per month. The problem is that they want me to make a high minimum payment which I cant do. I now receive 2 letters from the catalouge company a month and 1 letter from Reliable Collections a month each with an administration charge of £12. Does anyone know of any help regarding how to stop them making such a profit off of me?
  2. Thank you for advice. I have done this this afternoon and was informed that it does not appear that they are asking anything of me that is wrong, and that it is the companies decission to ask for appropriate ID deemed fit by the company. They only get involved if they are asking for too much ID. I really dont trust this company and Im worried that they will try to scan my signature.
  3. Thank you for your advise. The problem is that I am in London and they are in Manchester. I was thinking of reminding them of the infomration that I have already been sent and that this should be enough to show who I am.
  4. Hi I sent a Subject Access Request off and said that I do not need to sign it. I received a letter from the company saying that I need to sign this as they need to ensure that I am who I say I am, even though they have sent bills a copy of the "original copy" contract, legal letters from the solicitors from the company and correspondence with them. They said they wait my reply. Doen anyone have any advise on what I can write to them? I really dont want to sign anything because this is what I trying to say to them. They dont have a signed agreement with me in the first place. Any help would be great thenks.
  5. I was going to write back to them: Dear XXXXX, Thank you for your letter dated xxxxx. I have informed you that I am in serious dispute with XXXX since XXXX. Subsequently I do not feel the need to supply you with more information then this. I suggest that the account is sent back to XXXX, as the dispute has still not been settled. I will also be providing the FOS with a copy of all documentation/ correspondence from you. Yours sincerely
  6. I am in dispute with a company and have been for the last year. I received a letter from a debt recovery company that is linked to the original company that I have a dispute with. I sent the standard template letter to the debt recovery company informing them that they should return this to the original company as my dispute has not been settled. They ignored me until I wrote to them saying that I want a copy of their complaince procedure and that I will making a complaint to the FOS. They now have written to me saying that they will investigate my claim with the original company but I should also supply them with the reason of my original dispute and any letters that I have. I did not think that I had to do this as all I had to do was inform them that I was in dispute with the original company in the first place.... Is this right?
  7. Im gonna send them this reply, but any suggestions on making it sound more professional would be great.: Thank you for your letter dated 5th May 2010. I must point out that your information is incorrect. A subject access request (SAR) was sent on the 16th February 2010, The request was sent by recorded delivery and signed for, which I have proof of. The subject access request that I sent by recorded delivery and signed for contained the statutory payment of £10. When this was signed by your colleague/ company representative it constitutes as acceptance of payment. As I requested all information kept regarding me from a company that holds information for both accounts I do not have to pay twice. You have failed to supply me with my Subject Access Request in the allotted time. I will be making an official complaint to the Information Commissioner’s Office
  8. Thats what I thought, but because they said that it is two different named accounts, but I have to send it to the same person Cheers
  9. In the letter it stated that (Joe Bloggs) received the letter. It was a Postal Order and can not be tracked like that , thats why I done it recorded delivery as soon as they accepted it then they accepted the payment.
  10. Hi All, I sent a SAR with a £10 postal order, recorded delivery, to a catalogue that I am in dispute with on 16th Feb 2010. They were way overdue with getting back to me. When I sent them a letter saying that they ignored my SAR and that I will be taking the appropriate action they wrote back to me saying that they received a letter from me on 16th Feb 2010, but it did not mention a SAR. They also stated that they will now class this letter as a SAR, and that I will need to fill in forms which they sent me and that it will cost £10 per account. The forms request a signature and a witness. This is a complete lie that I did not make the request back in Feb…. any ideas?
  11. Thanks Scott I am sure that I am being very thick but I have not been able to find anything can you narrow it down. Cheers
  12. Hi ya, yes you should do it that way so that you can track it on line and know when they have received it to start the clock ticking and is proof that they accepted the postal order.
  13. Hi All, I have sent the SAR and the 40 days are up and nothing. What shall I do next? I was gonna send them a letter but did not know if there was a template that is used in this situation. Thanks
  14. Very true no doubt, but as at least it will all go against them if needed I hope lol
  15. I received a letter from Moorcroft debt recovery. It has stated that I have made no attempt to contact them and that the account must be paid in full and will accept payments of £80, but this must be acted on straight away otherwise they may recommend court proceedings without further notice. I did send them a letter about my account being in serious dispute and that they should pass it back to the original company. They ignored this. I was thinking of sending the following. What do you think? Please feel free to suggest things. Dear Sirs, With regards to your letter dated 19/04/2010. I would like to highlight the fact that you have ignored my letters sent on 29/03/2010 witch highlight the fact that I am in serious dispute with Fashion World since May 2009, As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS As you have decided to clearly ignore my previous letter I will be contacting the appropriate authorities, including, Trading Standards, Office of Fair Trading, Information Commissioners Office and the Financial Ombudsman. As I am of the opinion that any continued pursuit is in violation of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Tradings Collection Guidelines. Please provide me in writing your complaint procedures and a written reason on why my previous contact/letter was ignored.
×
×
  • Create New...