Mikey Vs Fredrickson/Littlewods

[MIKEY DABODEE]

wonder if anyone can help

 

is there a letter I can send Legal Direct

they have put a default back on my file but

I havent had any letters off them and I dont even know who they are

 

I have heard nothing since from Littlewoods or Fredrickson

 

but now this. I badly need to get it removed and get rid of them at the same time

 

Does anyone have their address as well or any details or links to threads so I know whom I am dealing with ??

[MIKEY DABODEE]

SORRY TO BUMP THIS

firm are Legal Direct Recovaries

cheers

[MIKEY DABODEE]

does any one know an address for Legal Direct Recovaries

Please

[westendwendy]

There are a few addresses listed but it is probably the Liverpool one as it's a Littlewoods account,I found this one:

 

AINTREE INNOVATION CENTRE, PARK LANE,NETHERTON, BOOTLE L30 1SL

 

Another one is in Tyne & Wear:

Sun Alliance Ho

35 Mosley St

Newcastle upon Tyne, TYNE AND WEAR ENGLAND NE1 1

 

 

Hope this helps

[MIKEY DABODEE]

thanks wendy

does anyone have a link to the letter to send when an account is in dispute and shouldnt have been passed on to another DC

[westendwendy]

Here's a copy of a standard Account in dispute letter:

 

Account In Dispute

 

Ref:

 

Dear Sir/Madam

 

Thank you for your letter of xx/xx/xx, the contents of which have been noted.

 

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference.

You have failed to comply with my request, and as such the account entered default on **DATE**.

 

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document.In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore

 

 

You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation.

 

This limit has expired.

 

As you are no doubt aware section 77(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

Therefore this account has become unenforceable at law.

 

As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

 

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you not respond within 14 days I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

 

Looking through your thread I see you mention Sheriff,are you in Scotland?

 

If so please check with someone more experienced as I know the law in Scotland does vary and I wouldn't like to give you the wrong information.

[MIKEY DABODEE]

am not in Scotland

thanks for the reply have drafted letter to them I need a letter to send to Direct Recovaries to say they have no rights at all to this account as its still in dispute with Littlewoods any idea

I have seen this here but cant find it

[westendwendy]

OK, I'll have another search around

[MIKEY DABODEE]

have found the letter and it will be on its way

tomorrow

I want to settle this debt properly but want the default removing when done any ideas which is the best way

[KER]

have found the letter and it will be on its way

tomorrow

I want to settle this debt properly but want the default removing when done any ideas which is the best way

 

 

Best bet is to have a good read around the forum That's what us mere mortals have to do I'm afraid

[westendwendy]

Here are a few threads on default removal that may help you.

http://www.consumeractiongroup.co.uk/forum/search.php?searchid=1984577

[MIKEY DABODEE]

Just wonder if anyone can give some new advice.

I would love to get this default removed please

What would be the best way forward, ask for a settlement figure so this debt and default can be removed.

 

The default lette was never sent, should they provide me with a copy. I need to get this default off the file.