Eci Cca

[Wikkitt]

Hi

 

Received letter from ECI that states:

 

Please find enclosed a copy of the original credit agreement which on the face of it, is properly executed and signed by you.

 

We apologise for tehe delay in providing this copy agreement.

 

Accordingingly, we await your proposals for repayment of the outstanding balance of XXXXXX

 

We are prepared to accept reasonable and realistic instalment repayment proposals. We are allowing you a period of 14 days from the date of this letter (its dated 18th) before we commence futher collection activity.

 

It is important that you contact us to disuss repayment by calling our FREE PHONE number on XXXXX

 

Yours sincerely

 

Senior advisor

Compliance Department

 

(by the way this is the exact same letter I received from Equidebt and its signed by the same person the only difference is the headed paper)

 

Below is the so called credit agreement.

 

[moggieb]

Wikkit-not a good place to post this. Look at the Debt Forums and post there instead. Sorry don't know how to post a link, perhaps someone else can help.

[Wikkitt]

Hi

 

Thank you, I will try and get someone to move it for me.

 

Wikkitt

[pinkduchess]

or repost...maybe here to start with

 

General Debt Issues

[Bigmac versus]

Moved

[ScarletPimpernel]

a copy of the original credit agreement which on the face of it, is properly executed and signed by you.

 

I note the careful wording - properly executed and signed by you - but not by the creditor.

 

The lack of a creditor's signature means that it is not properly executed; the lack of prescribed terms means that even if it were executed, it would be unenforceable.

 

The application form refers to terms and condition not on the document; if these were not supplied as well, then ECI have not properly complied with your CCA request.

 

Who are ECI acting for? They are often involved in trying to collect on statute-barred debt.

[babybear39]

It's...An application form

 

When did you last make payment/acnowledge in writing?

[Having_A_Knightmare]

What a great application form.

 

Why cant I get them like this !!!!

 

HAK

[Wikkitt]

Hi

 

This was the only page I received from them.

 

I stopped paying when they went into default, after I requested CCA.

 

They are working on behalf of Equidebt.

 

Wikkitt

[rory32]

More importantly it has no prescribed terms so is completely unenforceable. If they are willing to call it a copy of the credit agreement then I would accept it as such.

[Wikkitt]

Thank Rory32

[babybear39]

I'd be inclined, for clarification purposes, to ask if this is the document they would rely on in court for trying to enforce this alledged debt

[rory32]

It really depends whether ECI are the agent of the creditor or have bought the debt. If they have bought the debt then their statement of this is a copy of your credit agreement is legally binding.

[Wikkitt]

Hi

 

ECI state thay are working for their client (Creditor) Equidebt.

 

The letter I received was from the same person I got the letter about the Equidebt CCA, the only difference was the headed paper.

 

My orginal creditor was the Co-op Bank.

 

Wikkitt

[Wikkitt]

Well just an update.

 

The 12+2+30 day were up on 27th March.

 

Today I received the letter below.

 

 

 

It looks like they will try anything to get me to pay them.

 

Wikkitt

[Having_A_Knightmare]

There getting nervous:)

[Wikkitt]

The Funny thing is when I received the the first letter with the so called agreement I't was signed by the Senior Advisor, Compliance department and for me to reply to him at the same address as Equidebt, I sent them the letter telling them about unenforceable.

 

Now it comes back to me with another persons name with this offer. I am getting a bit confused as to who the letters should go to, well hopefuly its just as confusing for them:)

 

 

Wikkitt

[dannyboy660]

ECI and Equidebt are the same thing.

 

ECI used to be known as CAS or Credit Ancillary Services and were a particulary nasty bunch of underhanded tracing specialists. These are the people who would ring your Granny/employer and tell them you'd had a serious car accident but they didn't have your home address to get in touch with anyone, etc etc.

 

They changed their name to European Credit Investigations (or something similar) in an attempt to regain some credibility, but were recently bought by Equidebt (The Ethical Debt Collectors ) to act as their scrapyard dog. ECI: Under Construction

 

They are the same thing in all but name. If you google 'Wes Mulligan' look for the 'Who Calls Me??' entry and you can get the personal contact details of the head honchos if you want some fun.

 

Good luck, and apologies if already knew all that!!

 

PS

 

Equidebt are one of the new breed of Purchaser (or factor if you prefer) who 'buy' a charged off debt outright and then attempt to collect. It's highly likely that the Co-Op, the real creditor, have written it off and sold it to Equidebt for what they can get. You can put up a fight, or get a huge discount if you prefer, but the unsettled amount will remain on your credit file for a minimum of six years.

[Wikkitt]

Update

 

I have received a letter from Highland Associates Debt Collection Specialists (who have the same address as ECI).

 

 

 

I have been looking for the letter regarding passing on an account that is in dispute.

 

Can anyone help me locate it thank you.

 

Wikkitt