still around FB , winding them up , they now hang up when they realise who i am , so im gonna start using a different route to get on their nerves .

I had 2 well dressed women knock on my door the other day and ask me what bread i ate , i replied White thick cut bread why ? They then spent the next 20 mins telling me of the goodness that was brown bread and how my life would change for the better if i changed to brown bread . BLOODY HOVIS WITNESSES Im here all week

My letter back to them WARNING STOP THE IDLE THREATS OR ELSE DRASTIC ACTION WILL BE TAKEN . Moorcroft ref 9846+51+84984+4+8498464 Client ref 654654654654 Dear Mr A J MARTIN Thanks for your very interesting letter dated 28/3/08 the contents of which are noted for future reference like your letter of 3/3/08 which thanks me for my payment . Whoever does your records needs to goto a qualified optician as the have a problem with their eyes as payments have been made on this account (see the letter you sent me dated 3/3. As for passing it onto a local representative then do as you want couldnt care one jot as they will be told exactly the same as you have been , you are going to get the payments when we can afford them and at the rate we can afford to pay , you want to be thankful you are receiving any payments at all ask Robinson Way Cabot or Red etc . We will not be ringing you up to discuss a repayment agreement , we will continue making the £1 payment when we can afford them , all your letters and idle threats are doing is winding me up , il tell you what how about i stop all payments altogether , Would you like that ?No didnt think so . If as threatened you are going to instruct your solicitors to commence legal proceedings against me then bring it on .Im sure any judge would love you wasting the courts time on something as trivial as this Mrs brummie What do we think ? Sort of to the point dont you think.? regards Brummie

Todays letter Dear MISS Brummie Re BTplc Balance 4 quid less than it was when they first contacted us Our records show that despite our previous letters you have failed to make any payment to us and therefore your account has now been passed to our home collections division for action . This may involve our local representative calling at your address within the next few days to establish how you propose to settle the outstanding balance . If however you would prefer to agree a repayment arrangement direct with this office you must telephone us no later than 07/04/08 . We would emphasise that if no satisfactory agreement is made with us or our local representative you may leave us with no alternative but to instruct our solicitors to commence legal proceedings against you without further notice . yours bla bla bla -------------------------------------------------------------------------- What a crock of crap , firstly we have been sending them payments of £1 every week or so when we have the spare cash , so that puts there point about no payments being made up the crapper . They can pass it on to whoever they want it wont get them anymore money so mr doorstep agent / local representative you can come and knock me door but do be careful of the 2 rotties that i will unfortunateley let out just as you start your speil . We are not going to ring you up as we are paying you what we can afford and you are lucky to be getting that ASK RW (lol) Couldnt care less if you dont think this is a satisfactory agreement as this is all you will ever be getting . . Could someone more versed than me put this into a letter for me to send to the 7toed inbreds . regards LB .

Latest threatogram Dear miss brummie In previous correspondance we made it clear unless you contacted us and agree repayment oy your debt we would have to look at other methods of recovery. We now intend to advise our client to issue a claim in the county court to recover the debt . This may also involve taking steps ultimateley file a petition for your bankrupcy at court if your outstanding balance exceeds the insolvency threshold.If the court was then to grant a final bankruptcy order this would have serious implications for you , possibly in relation to any assets or property you own being taken away and sold . This matter will not go away simply because you chose to ignore it . In fact if our client acts upon our advice your current outstanding debt will increase considerably should costs and interest be added within any court order . You have a final oppurtunity to avoid this action by calling us now on08448444722 to agree payment terms . J PADGETT RECOVERIES DPT What letter should i send this idiot now ? Is it time to get the TS and OFT involved , if so can someone point me in the right direction , they are over the 12+1 calender month and no CCA has come forward .

look forward to it FB , reason theres been no phonecalls is that there has been no calls from the dca's think they are sh**in it lol/

got a reply from them nothing to say they had received my cca request but the money owing had gone down by a pound , how do i go about reclaiming this money .

do as required and report them to the authorities DONT ring them as they are a pian in the arse , but do report and do stop payments remember no cca = no enforceable debt , they know the rules its not your fault they dont abide by them .

cheers people MRS LB rang them and got the usual crap from them , we want our money and because we can we will threats , dont wash with us , especially as we have already set up a payment with the tv company concerned , they wanted to know how much we were paying and how often , mrs LBs response was wtf has this got to do with you , well we will kepp on sending letters was there reply and then she got hold of a blank piece of paper and ripped it up and told them that this is what will happen to any further letters from them . Phone went dead .

Anyone have any ideas about these , never had them before , got a usual pay up now or a debt recovery agent will call and you will be charged £40 for the privilage Sending them a Doorstep call letter asap . There address is po box 315 Bedford MK 9TN phone number 08709071046

mods theres 2 threads on this could i have them merged please ? regards Brummie

received this Dated 20 march Dear mrs brummie Your request under the CCA 1974 We recently wrote to you informing you that the Original lender is experiencing a delay in obtaining information from their archives . Although 24 days have passed since your request , we hope to be able to send the information to you shortly . We shall remind the original lender that your information remains outstanding and should be processed as a matter of urgency . We apologise for any inconvenience you may have experienced as a result of this delay . THE STATUS OF YOUR ACCOUNT Your account will remain on hold until further notice . Contacting Cabot BLAH BLAH BLAH E ROBERTSON CRM. Usual load of (EDIT) or do i send them anything back ?

cheers for that paul

Just rang up to speak to mrs , reckon they are getting bored of my answers now lol BC Can i speak to Mrs Brummie please LB No shes out whose calling BC ****** from Barclaycard , could you just tell her ive called whenevr you next see her whenever that may be . LB Yes il tell her you called , thanks for your call and happy easter .

Im gonna continue sending them the nominal £1-00 as this seems to be peeing them off , wont be sending no expenditure form as like evryone says its got f all to do with them .Tries sending them 50p this week but the minimum is £1-00 so might wait 2 weeks now to send them the next payment . At this rate it will take over 6 months to pay off 35 quid lol

mrs brummie has had virtually the same letter and no cca has turned up so just hang fire matey .

Heres there reply Further to your correspondence , I write to confirm we require a full listing of your clients monthly expenditure and proof of income , to enable us to assist you further. I also confirm we require a monthly repayment proposal your client can afford and maintain , to enable us to assist you further. Please do not hesitate to contact us at the above address if you require further information . yours faithfully (scribble) Accounts Dept.

Havent heard a thing from BLS , reckon i should just leave it until get another threatogram ? regards Brummie

NOTICE OF DEBT COLLECTION MISS BRUMMIE OUR ADDRESS Wescot Credit servixces are a specialist DEBT COLLECTION organisation .We have been instructed by our client to collect the outstanding balance on their behalf. You should read this Notice carefully, follow the instructions and IMMEDIATELY. If YOUR details are incorrect or you have anu queries, contact our Central Recovery Office on the above number. Should you FAIL to reply to this notice by the date specified the action detailed below may be taken . 1. WESCOT CREDIT SERVICES MAY INSTRUCT THEIR SOLICITORS TO COMMENCE LEGAL ACTION IN THE COUNTY COURT.THIS MAY RESULT IN A JUDGEMENT BEING RECORDED AGAINST YOU . 2. A DEBT COLLETOR MAY BE INSTRUCTED TO VISIT YOUR HOME AND COLLECT THE DEBT PERSONALLY. NO SIGNATURE OR NOWT CCA request and a DOORSTEP COLLECTION letter on there way . LETS HAVE IT.

dont let them in they are full of BS

Have a look on my robinson way yet again thread theres plenty of ways to wind the fookers up on there.

Whats that coming over the hill is it the cagbot is it the cagbot

Sent Lowell DCA a request for mrs brummies C1 card , they sent an application form back (as they do) they passed the 12+2 and 30 days last week , so is now a good time to go for the charges card limit 200 they say we owe 431.So im guessing theres a few bob in charges added. regards LB

One fuming Brummie here , just checked my bank account and my jsa should of gone in today but alas no money , so ring up JC where i signed on who told me to ring the processing dept to see what the problem is . Speak to a bloke who tells me that my jobcentre didnt put the details of me signing on , on the system and that i would have to get back in touch with the jobcentre to rectify this . Ring up the jobcentre who put this on the system (5 days late). Ring the processing dept up who tell me that the details are on the system now , BUT the finance dept is on 3 days industrial action , therefore no payment can be made until wednesday (7 days after signing on) I told the woman that this wasnt good enough as we had no food in to feed the kids (little white lie ), she was as much use as a chocolate teapot .Basically tough sheet that someone had made a mistake by not putting my signing on , on the system and that wednesday i "should " be paid . So i ring up the Jobcentre again and ask to speak to the manager , she comes on and tells me it isnt the jobcentres fault and that i would have to complain to Processing (BIT POINTLESS IF THEY ARE ON STRIKE ) Rant over What id like if anybody has it is the name of a manger of the processing dept , and any other people i should be complaining to . Cheers LB

after they have recieved the cca request they have 12 working days +2 before the cca request is in default , after a further 30 days if they have not produced the cca then they commit an offence and you should contact the authorities.