Jump to content

jmotice

Registered Users

Change your profile picture
  • Content Count

    11
  • Joined

  • Last visited

Community Reputation

1 Neutral

About jmotice

  • Rank
    Basic Account Holder
  1. Hey dx100uk yes re read twice since posting and your right the only kind of will is at the beginning ie A County Court Claim has now been prepared, the rest is ifs and but Ignore it?
  2. Another letter today from ARCEurope I ignored letter 3 from them as above posts after my two attempts to shake them off, still, no proof of debt as requested. I have no loans never have and have no knowledge of this debt Letter says in short exact wording copied, can scan the letter if better Not paid etc "A county court claim has now been prepared against you and could be issued to Northampton County Court" I live hundreds of miles away from that Court What will happen next If this matter is passed to our Solicitors for issue, our client will claim the following Debt Balance 400 Court Fees 35 Solicitors fees 50 Annual interest (to be adjusted pro rata) 32 total 517 As you can see the issue of court proceedings will mean the amount claimed by our client could increase by as much as 117 then normal pay how to pay stuff or telephone etc etc What do you think?
  3. Hi dx100uk, hope you're well tried noodle couple times askes loads personal information is it safe? Also I do not have credit card or debit card just an ATM card, that's it I am a cash only man, so I can not get past that section
  4. Hi, really? Blimey thank you so much I will run through these and post up finding Thank you!
  5. Hi, thanks for the reply not sure re-credit file, need to find out how to check Ill sit tight for the 14 days see their next move I have not replied as advised here. yes you right ignored and pointless writing to ARC I did not know any better at the time If i get any more Ill write to QQ and state facts and go from there. I will posts all letter up for everyone Thanks again everyone, thank you
  6. Hi dx100uk, ok so what do you think I should write, bar the obvious ie the history and situation etc Anything I need to do, write or say? Thanks so much for everyone advice and help means a lot, thank you again. Of cause I will keep posting step by step so everyone can see and maybe can help them also, all this is really not nice
  7. Ok many thanks everyone for the information, some you will some you lose and some you just dont know about, wish I had Ignored totally they will be anything they send, so much for being nice and honest and of cause costs me time and money I will only worry if I get a letter from QQ saying actions to be taken right? And at which point I go for a SAR etc ? Many thanks again, feel loads better. Thank you
  8. hi dx100uk thanks for your reply No been here donkeys years, never had any problems before
  9. Hi Bazooka Boo, thank you for your reply I get what your saying re contact I have been extremely careful what I have said I hope your be pleased, ie not my debt and for them to prove it's my debt, as I understand anyone can request this and they can not take further action until that request is complied with which of cause has not. They can not and do not have proof as I have never had any debts or loans in my life I have also added the warnings in the letters - I will sort the EXACT text of the letters for you. I made them from reading on the internet before I joined here as now I am fed up but will never give in an pay, they are just trying to scare me I think which also will just not work I will sort and post ASAP in the morning, many thanks again and hope you like my work and can advise me better Never taken out loans or filled signed anything Letter one: from me 15 October 2017 ARCEUROPE Limited Kent House Churchfield Road Walton-on-Thames Surrey KT12 2TU Dear Sir/Madam Account No: abc Our Ref: xyz You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that I have no knowledge of any such debt being owed to CREDITOR. I am familiar with the Consumer Credit sourcebook of the Financial Conduct Authority (FCA) which states the following rules. "A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid." 7.5.3 A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds." 7.14.1 "Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner." 7.14.3 "Where there is a dispute as to the identity of the borrower or hirer or as to the amount of the debt, it is for the firm (and not the customer) to establish, as the case may be, that the customer is the correct person in relation to the debt or that the amount is the correct amount owed under the agreement." 7.14.4 "A firm must provide a customer with information on the outcome of its investigations into a debt which the customer disputed on valid grounds." 7.14.5 "Where a customer disputes a debt and the firm seeking to recover the debt is not the lender or the owner, the firm must: (1) pass the information provided by the customer to the lender or the owner; or (2) if the firm has authority from the lender or owner to investigate a dispute, it must notify the lender or owner of the outcome of the investigation." 7.14.6 In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I would ask that no further contact be made concerning the above accounts unless you can provide evidence as to my liability for the debt in question. I remind you my request is all communication is made in written form and I request is made in writing. In addition, if any default, adverse information, or account details have been reported to the Credit Reference Agencies regarding this account, I require you to remove any such information forthwith. Recording false and inaccurate information on Credit Reference Files is a breach of the Data Protection Act 1998, and may also constitute an act of defamation on your part. I await your written confirmation that this matter is now closed. Otherwise, I will have no option but to make a complaint to the Trading Standards Department and consider informing the FCA of your actions. If appropriate I will also take this matter forward as a complaint to the Financial Ombudsman Service and Information Commissioner's Office. Yours faithfully Letter two from me 11 November 2017 ARCEUROPE Limited Kent House Churchfield Road Walton-on-Thames Surrey KT12 2TU Dear Sir/Madam Account No: 123456 You have contacted me about the account with the above reference number, which you claim I owe. I have no knowledge of any such debt being owed to..... I am familiar with the Financial Conduct Authority's (FCA) Consumer Credit sourcebook which states the following. "A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid." 7.5.3 "A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds." 7.14.1 "Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner." 7.14.3 If you do not stop collection activity whilst investigating my dispute, you are breaking FCA rules and guidance. Also, ignoring claims that debts have been settled or are disputed and continuing to make unjustified demands for payment is harassment. Please do not make any further contact about the above accounts unless you can provide evidence of my liability for the debt. I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to my local trading standards service and consider informing the FCA of your actions. I look forward to hearing from you. Yours faithfully As I say not sure if this is correct, friend helped me and this is what we pieced together from the internet clearly ARC are not reading, care or bothered I guess its a case for knowing what to do and when or what not to do etc I can scan the letters from ARC if that helps Many thanks again
  10. quick quid says I owe £400 news to me never had any loads or debts, letters from Arc Europe, today 3rd letter bit confusing its bog run of the mill printer letter a) we could now take steps to prepare a County Court Claim b) latter in letters says payment or a court claim can be prepared 14 days after the date of this letter Dated 28 Dec received 2 Jan c) further down says, if unpaid our client (QQ) could apply for a formal court judgement and recorded on credit reference etc letter one I sent a reply saying no go, not known debt an quite some legal quotes and prove the debt is mine - they ignored that and sent letter two Letter two pressure to pay - I replied and said same and harassment etc ombudsman etc letter three as above Confusing - how should I react now is what I need to know Copies/text of letter I can post is needs be Many thanks in advance
×
×
  • Create New...