12 days up for lowell

[The GodMother]

oh a operations manager.

 

i thought u send a letter not awaiting a operation.

[Dorabell]

Hi all update with NCO i have received anorther treat o gram today( YOUR URGENT ATTENTION IS REQUIRED as you have failed to fully resolve this account we are left with no alternative but to pass your file and the full account history to the office(S.C.LEATHAM-LOCK LLB) they will be instructed to either to prepare the necessary papers for the commencement of legal action or to employ the assistance of their field force. after a period of five days from today date MR S.C LEATHAM-LOCKS OFFICE will give permmission to make the decision, without further refrence to yourself. CONTACT Ms black should i wish to avoid this action please quote your refrence number with payment COLLECTIONS MANAGER. it was the only the other day i received a letter from there operations manager they were looking into the complaint obviousley they not taking any notice:-x any advise please would be appriciated thanks

[creditcardmug]

Some of these threatograms are laughable arent they, i like the ones with such rubbish as "valid even if not read by you!"

[Goldlady]

Their scare tactics are laughable, but what concerns me again and again is the people who get these ridiculous letters and are intimidated by them, who haven't made their way onto a site like this and realise that it is all a load of bowlarks.

[Dorabell]

Thanks for both your replys:) what do you think i should do just wait and see what comes next?

[The GodMother]

i would marjie its there own faulty the left hand dont know what the rite is doing

[Dorabell]

Hi all update with NCO i received a letter today i cannot post it up the scanners not working properly:mad: but here goes what you make of this(DEAR MR PEARSON NOT MY NAME:lol: WE ARE IN RECEIPT OF YOUR LETTER DATED 20TH JUNE 2008 THE CONTENT OF WHICH HAVE BEEN DULY NOTED. WE WISH TO INFORM YOU THAT NCO EUROPE LTD IS A GLOBEL SUPPLIER TO THE ACCOUNTS RECEIVABLE INDUSTRY PROVIDING THE VERY HIGHEST LEVELS OF SERVICE AFFORDED TO CLIENTS, CUSTOMERS, AND ALL THIRD PARTIES WITH WHICH WE DEAL WITH. WE THEREFORE OFFER YOU OUR PERSONAL ASSURANCE THAT CORRESPONDENCE SUCH HAS YOURS IS TAKEN SERIOUSLEY. ADDRESSING THE ISSUE RAISED IN YOUR LETTER, I WOULD LIKE TO INFORM YOU THAT WE HAVE FULLY INVESTIGATED AND QUERIED YOUR ACCOUNT WITH OUR CLIENT CAPITAL ONE SERVICES AND WE HAVE FOUND THAT OUR CLIENT SENT YOU THE FOLLOWING DOCUMENTS LATE FEBRUARY STATUS OF ACCOUNT SIGHNED CREDIT AGREEMENT (if you can call it that) TERMS AND CONDITIONS 2008 I AM CONCERNED TO HEAR THAT YOU HAVE NOT RECEIVED THE ABOVE DOCUMENTATION.NCO EUROPE WILL THEREFORE PUT MY ACCOUNT ON HOLD FOR FOURTEEN DAYS (thats nice of them) GIVING ME ENOUGH TIME TO QUERY MY DISPUTE WITH CAPITAL ONE SERVICES( which i have already done:evil:) PLEASE CONTACT CAPITAL ONE DIRECTLY 08809525150 AND THEY WILL BE IN A POSITION TO ASSIST ME FUTHER. WE HAVE TODAY REMOVED YOUR TELEPHONE NUMBER FROM OUR SYSTEM AS PER YOUR REQUEST. SHOULD WE NOT HERE FROM ME AFTER FOURTEEN DAYS WE KINDLEY ASK YOU IF YOU COULD SEND THEM MY INCOM AND EXPENDITURE FORM WITH AN OFFER OF REPAYMENT SO WE CAN COME TO A MUTUAL AGREEMENT ON MY ACCOUNT (as if) WE TRUST THAT ALL OF THE ISSUES RAISED HAVE BEEN ADDRESSED TO MY SATIFACTION .WAIL ZEIN OPERATIONS MANAGER ( guys what do you think, any one have any advice for me on this one please ,or shall i just ignore and wait what comes next thanks

[AndyOrch]

Hi marjie06

 

IMHO I advocate not pursuing any company once the CCA request has been sent, unless you are the subject of legal action, in which case it's important to get the information you need to prepare a defence and c/c as soon as possible

 

To ensure you have the best possible case, should you eventually be issued with a Court claim; you need to keep all correspondence that you are sent, as you can guarantee regardless of sending the CCA request, you will be harassed for pmt. All calls must be logged, answered or not, dates, times, names etc.... This is to build a case of harassment against them. The Consumer Credit Act 1974, states that they are not entitled to enforce the agreement whilst the default continues, so in addition to not be entitled to take legal action, they have no right to collect pmt, so it necessarily follows that they are entitled to harass you either! You cannot harass a person for a debt, when you haven't proved it exists

 

My point is that your interests are not best served by pursuing them. Let them dig a big hole for themselves, so that you can counter-claim for damages for harassment and hopefully if they can't produce an agreement you have Data Protection Act 1998 breaches as well as defamation

 

I would also suggest not going through their security Q's if you are unfortunate enough to answer a call. Do not bring up the CCA request either, so what if they don't produce the agreement after 12mnths? As long as you have a recorded/guaranteed proof of postage delivery slip, you're fine. The longer they leave things, the worse it is for them. Simply tell them to write to you, don't tell them not to ring, as the calls obviously form part of the harassment

Let their stupidity help you build a case....simply sit back and bide your time.

 

If someone has debts, it is important to understand that there are no quick resolutions. Those who seek quick remedies in a bid to put the matter behind them hastily, do themselves no favours at all. Debts can be significantly reduced or disposed of, if the situation is approached tactically from the start.....you just have to be patient!

 

 

Regards

Andy;)

[citizenB]

This seems to be a rehash of the letter they sent you in post 103. Except this time, they are asking for you to allow them 14 days to sort it out instead of 7-10 days. File under Bin or Ignore

[Dorabell]

Thank you all for your advise it is most appriciated

[Dorabell]

Hi all update it looks like freds chasing it now NCO must have got fed up should i send freds the dispute letter

[creditcardmug]

Yes send the acc in dispute letter, be prepared for a succession of templates though before they crawl back under the stone from which they came:D

[The GodMother]

send them the bog off or suffer letter.

[Dorabell]

Thank you both:) i have already sent them packing with kays:lol:

[The GodMother]

gdgd they should be aware of how the process works then.

 

they send you letter. you send back a bog off or suffer letter.

 

They bog off appoligising

[cashins]

I was going to say, when RMA sent me an almost identical letter, P103, it was just before they did a runner, got to the bottom of the thread.....

 

and they already had!

 

Nice result.

 

PS Pretty sure that RMA were one of the 13 up for a b*ll*cking, the threat-o-grams are the same but if someone stands their ground, they're orf.

[Dorabell]

Hi all update with capital one i have receive this letter today i will post up any advice please:)

[The GodMother]

Marjie this does not mean anything.

 

They still have to provide a cca request which is correct to date they still have not.

 

I say to send them a SAR request then depending on everything you offer them a F+F offering as little as possible then go from there.

 

As dom would say i can always increase my offer.

 

If u want i can send u a full SAR request and u would need to send £10 Postal order and send by RD.

 

Chrissi

[Dorabell]

Marjie this does not mean anything.

 

They still have to provide a cca request which is correct to date they still have not.

 

I say to send them a S.A.R - (Subject Access Request) request then depending on everything you offer them a F+F offering as little as possible then go from there.

 

As dom would say i can always increase my offer.

 

If u want i can send u a full SAR request and u would need to send £10 Postal order and send by RD.

 

Chrissi

 

Thanks GM how are you yes please

[alanalana]

Hello Marjie,

 

I have not read your full thread (slaps self on wrist - before receiving punch in the forum).

 

I see the first few posts and you have not been given as all others have said a valid CCA.

 

Please see this for assistance. If you have already seen apologies if not hope it helps.

 

Is My Agreement Enforceable - Useful

 

aa

[Dorabell]

Hi all update with cap1 i received this letter today thanking me for the recent letter:confused: the only letter i have sent them is a request for my S.A.R any advice please

[creditcardmug]

Sounds like their code for were not bothering to read your letter but it gives us another excuse to get you on the phone for an earbashing...no doubt:D

[citizenB]

Sounds like their code for were not bothering to read your letter but it gives us another excuse to get you on the phone for an earbashing...no doubt:D

 

I would agree with CCM, just ignore it.

[Dorabell]

Hi all i have not heard a word from cap 1 for ages, then today i had a nice surprise:D on checking my credit file this account has been deleted:D its nice off them to let me know:lol: just want to thank every one that has helped me a long the way and with out your help i could not have done it:) so thanks all again a very happy person

[cashins]

Hi all i have not heard a word from cap 1 for ages, then today i had a nice surprise:grin:

on checking my credit file this account has been deleted[/quote]:grin:

 

Excellent, thats normally the tricky bit!!

 

David