Studio Card have pee'd me off.

[alfwithhair]

not heard of them but would not know.

 

 

Incasso LLP is the specialist Debt Recovery division of Cobbetts LLP Solicitors

[The GodMother]

oh those ppl. Thanks alf.

 

U will find a lot about cobberts on this site.

[ThewarstartsNOW]

Hi, I am sorry for posting on someone elses thread, but I am reading conflicting info and getting worried, pls see my thread

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/182987-i-need-help-3.html

[BBguns]

hi all.

my wife had a visit today from the debt collectors, working on behalf of studio cards, he demanded to know when she gets payed her benifits , and offered NO id or his name , and he didnt say what firm he worked for , like many of you , she had not signed a CCA , so can anyone tell me where she stands on this , and where we go from here , any advice would be greatfuly recieved, many thanks in advance.

[Dorabell]

hi BBguns you need to start your own thread were some one will come along to give you some good advice:) then it will be all in the same place and it wont get lost good luck:)

[The GodMother]

BBguns if u link the thread to here then i will help u.

[The GodMother]

Blimey ive just realised its a year since anyone contacted me in regards to this debt. Its also not been piad since either Sept or Oct 2007 so about 2 years and 9 months.

[alfwithhair]

Blimey ive just realised its a year since anyone contacted me in regards to this debt. Its also not been piad since either Sept or Oct 2007 so about 2 years and 9 months.

 

Well there's still plenty of time yet Chrissy for some low life outfit to come on the scene before it's statue barred.

 

I too have heard nothing since them couple of letters from SJD end of last year. They have seen no money from me for about the same period as yours.

[The GodMother]

well iam sticking to my guns and they wont recieve anything. I will send them a full and final offering what they have been paid for goods l have recieved minus the charges and them putting settled in full or removed from my credit record.

[alfwithhair]

well iam sticking to my guns and they wont recieve anything. I will send them a full and final offering what they have been paid for goods l have recieved minus the charges and them putting settled in full or removed from my credit record.

 

After they admited they had no signed agreement, I sent Stupido a F&F of 20% of the balance after they removed all the fees and charges last year on the condition the didn't chase/sell the remaining balance on at a leter date and they removed the default.

 

They said they would settle for 75%, but no mention about removing the default or not pursueing the remaining balance, so told them to wistle.

 

Not bothering again, they had their chance, they will never ever get anything back on this account

[The GodMother]

Well they shot themselve in the foot then they will be told to bog off buy me.

[The GodMother]

Well back again. Heard nothing from anyone but just wanted to check rules around deafults. I received a letter in Aug 09 but its registered as Nov with CRAS. Is there anything l can do about this.

[The GodMother]

Hi All

Need something clarifing in relation to a old thread but due to its age l have posted on it and no one helped.

It entitled Studio cards Peed me off.

 

l made last payment on the account in sept/oct 2007.

 

I got peeed off with them for a few reasons but 2 were items l had ordered and sent back had not been credited to the account

in a reasonable time as in 21 days.

 

items l had ordered had turned up broken or not at all especially when it came via Rm or was personalised it would always be in a bad way.

 

one box looked as if it had been thrown in the front garden stamped on then to make sure it was damaged ripped open

and had water poured all over it.

 

Without me even knowing it had been delivered and as middle of winter grass had grown quiet a bit and we did not notice it.

 

We hardly used the front door of the house as the back door was more convient due to easier access to shops and school run.

 

In January 2008 after sending a formal complaint letter to lot of departments

l eventually got a refund of over $ 200 worth of stuff after a formal complaint to the CEOs office.

 

They placed a $50 guesture of goodwill, whilest not admitting fault lilability or any wrong doing, on the account.

 

I did not no this had happened untill after they had done it and bothered to write to me in the middle of february but recieved the begining of march.

 

in regards to this l am guessing the payment rests the SB clock by 3/4 months.

 

Default notice was dated April 2008 received the August and registered with the CRAs the November.

 

I am sure that this is not a reasonable time.

the envelope this came in is postmarked about a week before it was received and was sent 2nd class.

 

Anyone advise on if they have acted inappropretly.

[BRIGADIER2JCS]

Hi All

Need something clarifing in relation to a old thread but due to its age l have posted on it and no one helped.

It entitled Studio cards Peed me off.

 

l made last payment on the account in sept/oct 2007.

 

I got peeed off with them for a few reasons but 2 were items l had ordered and sent back had not been credited to the account

in a reasonable time as in 21 days.

 

items l had ordered had turned up broken or not at all especially when it came via Rm or was personalised it would always be in a bad way.

 

one box looked as if it had been thrown in the front garden stamped on then to make sure it was damaged ripped open

and had water poured all over it.

 

Without me even knowing it had been delivered and as middle of winter grass had grown quiet a bit and we did not notice it.

 

We hardly used the front door of the house as the back door was more convient due to easier access to shops and school run.

 

In January 2008 after sending a formal complaint letter to lot of departments

l eventually got a refund of over $ 200 worth of stuff after a formal complaint to the CEOs office.

 

They placed a $50 guesture of goodwill, whilest not admitting fault lilability or any wrong doing, on the account.

 

I did not no this had happened untill after they had done it and bothered to write to me in the middle of february but recieved the begining of march.

 

in regards to this l am guessing the payment rests the SB clock by 3/4 months.

 

Default notice was dated April 2008 received the August and registered with the CRAs the November.

 

I am sure that this is not a reasonable time.

the envelope this came in is postmarked about a week before it was received and was sent 2nd class.

 

Anyone advise on if they have acted inappropretly.

 

 

A payment made by Studio by way of compensation cannot reset the statute barred clock.

 

 

The date on a DN in no way affects the actual default date.

 

 

DN received in August and default registered in August is well with in the " normal " 6 month period for placing a default.

 

 

The seems to be nothing " inappropriate" in their actions.

[The GodMother]

It was not registered with the CRAs until November. That is out of the 6months from the date. I dont see how this can be classed as Normal and appropriate.

 

Unless they are classing the deafult as starting from August even tho the letter and dates clearly state April.

[BRIGADIER2JCS]

It was not registered with the CRAs until November. That is out of the 6months from the date. I dont see how this can be classed as Normal and appropriate.

 

Unless they are classing the deafult as starting from August even tho the letter and dates clearly state April.

Date if the default notice is nothing to do with the default date, you say DN recd August so

that's what been used it seems.

The ICOs guidance only said a default Should be placed within 6 months Not Must!

[The GodMother]

Date if the default notice is nothing to do with the default date, you say DN recd August so

that's what been used it seems.

The ICOs guidance only said a default Should be placed within 6 months Not Must!

 

So in theroy they could have kept hold of the DN for years then send it and restarted the clock.

[BRIGADIER2JCS]

So in theroy they could have kept hold of the DN for years then send it and restarted the clock.

DNs are a generic notice giving a debtor 14 days to remedy the status of delinquent account, if a " negotiation" is entered into or a payment is made the creditor may not ( in fact does not have to place the default) if such a plan of payment is entered into and fails the creditor can send another default notice.

[The GodMother]

I never paid it. I disputed a few things and then they stopped communicating with me then heard nothing. I just wondered about it when going threw my paperwork earlier this year.

they issued a DN after they refunded me and before they stopped communicating with me

This is the only DN issued and hence why l queried what the rules are around this.

[The GodMother]

well a notification today to say this is off my credit file so l am happy