Apex regarding a hugely disputed card debts with TSB

[sosumi]

Okay, I'm having flashing lights before my eyes and need to sleep, but we had a letter from Apex regarding a hugely disputed debt with TSB. Basically TSB admitted in writing that they have no credit agreements for either of our TSB credit cards. Despite being in dispute they sold one (looks like) to Credit Security Limited (dealt with, not heard from again) But this morning, we had a letter from Apex regarding the other.

 

I hate Apex. They were BCW in Stratford before they 'rebranded' and BCW (same address) started our dispute with TSB last year.

I don't even want to reply to them, but what I want to say is this:

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

You have written to me apparently regarding an account which is very much in dispute with Lloyds TSB. You state a figure and a reference number I do not recognise. You state you have received instructions from the 'above named client' to initiate formal debt collection proceedings.

Please inform me, by return of post, how you came by this information.

Please provide proof of your authority to write such a letter.

 

You have, in writing this letter, provided the final piece of evidence I shall be taking to the Office of Fair Trading.

Please consider this reply to you as the first step in a formal complaint about you, above and beyond the complaint I shall be submitting to the OFT about Lloyds TSB's conduct.

I require your complaints procedure by return of post.

I require proof of your authority to write such a letter.

I require a full explanation of your letter, with regard to the OFT's Guidelines for Debt Collection (OFT 664).

Alternatively, I shall wait for a copy of your Complaints Procudure and itemise your several breaches, point by point. I shall enclose the OFT 664 for your reference.

Notwithstanding the complaint which I now have with you, I shall be enclosing your letter for submission to the OFT and various other statutory/regulatory bodies as I see fit. It is in your interest, therefore, to respond to this letter by return of post.

Stick it up your jumper,

Sosumi

[sosumi]

this is the letter:

[sosumi]

Am so cross.

It's the same firm that sent me the 'tippex file' - probably the same people, except they were calling themselves BCW then. Feel very very tempted to go to Stratford and ask a policeman to witness me handing them the letter!

- all of everything I've learnt from here seems to have flown out of the window!! Maybe anger was causing the flashes before my eyes!

Oooh I'll get them. Help! :grin:

[sosumi]

PS I think I'll add:

"Are you on the OFT's List of Thirteen?

Did you get this information from a Credit Reference Agency?";-):grin:

[sosumi]

Or

"Dear Jackanapes,

B@gger off!

Love and kisses,

Sosumi":rolleyes:

[Guest wino]

Good luck and keep smiling:)

[chasin sunsets]

one message would have been ample to put your point accross. when dealing with DCA's, it is bestto remain professional as this will further increase your chances of doing battle with them so to speak.

[Guest wino]

I think that sosumi just needed to let off a bit of steam. I don't think he/she will really put 'stick it up your jumper'

Will you?

[sosumi]

I think that sosumi just needed to let off a bit of steam. I don't think he/she will really put 'stick it up your jumper'

Will you?

No, just steam-letting, as you say!

But the letter I had from that office last year - a sight to behold! Lathered in tippex, manufactured date, my address upside-down and re-sealed (by them) with a bit of sellotape.

But that was for another TSB account. Now they're Apex, much posher letter, same old people I bet, same old $%#!

[ScarletPimpernel]

Jackanapes

 

Splendid!

 

 

 

As far as the letter is concerned, a lawyer friend once told me that however tempting, it is always best not to give anything away to the other side. Apex's letter is full of DCA threatspeak - this may happen, and so on.

 

At this stage, Apex (or any DCA), would respond to a complaint by pleading ignorance; that the OC didn't tell them there was a dispute. If they write to you again, however...

 

I favour, whenever possible, brief letters to DCAs. In this case, along the lines of:

 

Dear Curs

 

I refer to your letter dated xxxx. I do not acknowledge any debt to you, or any company you claim to represent.

 

Since this account is the subject of an unresolved dispute with (OC), I am unable to enter into correspondence with you.

 

If you do not understand this letter, you should refer to the Office of Fair Trading Guidance on Debt Collection, or consult a qualified solicitor.

[sosumi]

Lovely, SP

Sent by Recorded Delivery today. Many thanks.

 

Ooh the temptation though.

[sosumi]

Do you know, when I sent them a CCA request early last year (when they were Buchanan Clark and Wells of Stratford), they went so quiet for so long before the 'tippex file' arrived. I actually worried about them a little... With all the floods last year, I had visions of boxes and boxes of letters from their office bobbing up and down the River Avon...

Not now though

If they write again I'll reply in crayon.

... Never test a menopausal CAG writer!!

[sosumi]

... Gosh those were the days... I even thought the CSA might be a force for good back then! How deluded was I?

[tomterm8]

They are a force for good... good riddance.

[Seahorse]

As always, you have a flair with the written word, Sosumi.

 

Me, I'd have just written, "shove it up yer @rse"

 

Go on TT, get the virtual tipex out. My bad.

[adamski]

Forward it on to the OFT im sure they will be interested as their new investigation into DCAs says they are unhappy about these doorstep threats

[adamski]

Forward it on to the OFT im sure they will be interested as their new investigation into DCAs says they are unhappy about these doorstep threats

 

contacting debtors at unreasonable times and intervals, threatening home visits when debts were disputed

[sosumi]

Just woken up - hadn't realised I was still logged in!

Seahorse - I think that's a great reply

Yesterday I was high on the OFT news. Today, that letter really got to me.

adamski, I think you're right. I have to do this. I dread it though, as the paperwork does my head in, seriously.

We have two real offenders - Citi and TSB. Every other creditor we're both okay with - dodgy CCA or not, they're being fair(ish) and we want to clear the debts. But Citi sent my account - after they'd altered the numbers - to DLC, and TSB = the above.

Frustrates the hell out of me though, I just want to write my book!!

[sosumi]

Thanks for your replies yesterday folks. Had a very rough day, and that letter very nearly tipped me over the edge. Am just so glad CAG's here! x

[loyalbrummie]

somedays we wake up and think of all the debts we allegedly owe and it really gets to you , then we log in to CAG and the worlds a much nicer place .

[Guest wino]

somedays we wake up and think of all the debts we allegedly owe and it really gets to you , then we log in to CAG and the worlds a much nicer place .

 

 

especially in the evenings when the voddy starts flowing in the bear garden (so I'm told)

[loyalbrummie]

never had the privilage so might well give it a go this fine evening .

[ODC]

The idiots formerly known as BCW are in breach of your CCA request. As Apex claim to be the all new professional former BCW they should take responsibility for their former namesakes crass stupidity. If as BCW they were unable to comply with your CCA then its highly unlikely that the same empty headed monkeys will be able to produce a valid CCA now.

 

What you have now is the same sh!t on different notepaper. I notice however that they havent purchased a new threatomatic printer as the typeface looks remarkably similar.

[adamski]

ODC your posts are hilarious, i read them and i weep with laughter

[sosumi]

another letter today