New Member looking for advice from this BRILLIANT website!! PLEASE!!

[babybear39]

Always CCA the current company trying to collect, ie. company "X". If they fail to supply and pass to another company, you advise the new company of the dispute. You only need to CCA one company.

Edited July 12, 2008 by babybear39
forgot a bit

[questioning]

You could send CCA request to X in the first instance

 

Oh BB39 you beat me to it!

[A+]

Thanks to both of you. will do as you state.

Looking at today's letters, i have one here from the prestigious Lowell Portfolio 1 Ltd (weird name?!) and they quote a debt apparently owed by me to a company called HBOS PLC. I have never ever heard of this company. Has anybody else?

[A+]

and i am losing the will to live with notifications. I have had one once, so my email is correct, but i do not get any now. Have many times clicked on my subscribed threads and clicked on instant email notification, but they never send them to me. Any ideas anyone?

[A+]

I have just noticed... i have a stack of letters here. One from Lowell Portfolio 1 Ltd, and another one from Red Debt Collection Services. I looked at the small print at bottom of both and both are registered to same address (Enterprise House, 1 Apex View, Leeds, LS11 9BH) though both letters quote (at top) TWO DIFFERENT PO BOX addresses for replies. Strange?

[stikky62]

Try going into your user CP and for the ones that say instant e-mail notification....tick them again and go to the "selected threads

",,,,"move to folder" drop down box and click on the "instant e-mail notification" in the update subscription type.....and click GO. If that doesn't work you may have to PM a site admin to sort it out for you.

Only thing i can think of.

[A+]

Thanks Stikky, i have done exactly that several times. The strange thing is i did an hour ago and i got a notification shortly after. But then all since are not notifying. Any idea who is a mod?

Thanks

[stikky62]

You know on the main "The Consumer Forums" page,,,if you scroll down to the bottom where it shows you the currently active users ~ they're the ones in Orange.

[A+]

i have a question....again!!

 

My wife is in EXACTLY the same position as me, i am managing it all.

 

When we first took out these cards we were not married. Her letters all come through in her maiden name. We have always paid payments or replied using her maiden name as, despite telling them all numerous times that her name has changed, they ignore it every time, so we decided to follow it their way and always correspond with maiden name in reply to their letters to that same name.

With these CCAs and future correspondence, should we head the letter and sign (electronic,not by hand) with maiden name or married name?

[babybear39]

HBOS plc is Halifax, Bank of Scotland.

[questioning]

I would use her new married name, You say that you have previously told them all of the change of name. I wouldn't want it to look like I was trying to pass myself off as someone else. I know you are not doing that but I wouldn't want any DCA's to ever have the chance to imply that.

[A+]

I see your point. Thanks

I will add into the CCA letter that we have informed all creditors before of the change of name, so please reply using correct name in future.

[A+]

Or maybe i should not admit to having corresponded with the OC at all?

Maybe better to just write a line to say that this is married name, and former name was xxxx (where x = the name they use)??

[questioning]

Yes I Would do as you say in post 38.

The other letters are in the past.

this name change is how you are going to proceed from now on.

[A+]

THANKS SO MUCH. Can't tell you how great it feels to finally have people i can TALK TO about this stuff, without getting frowns and disapproving looks. i am not proud of it, far from it, but don't think i should be any more ashamed than the credit companies themselves should be for behaving they have for so long. And its coming back to bite them now, karma and all that!

[A+]

i have added the following sentence:

 

"My maiden name was xxxxx, i am now married and go by my married name which is shown above. I will of course correspond to all postal mail sent to either name if i feel it is directed towards myself. "

 

This sound ok?

[questioning]

quote aaaaaaaaaaaaa

i have added the following sentence:

 

"My maiden name was xxxxx, i am now married and go by my married name which is shown above. I will of course correspond to all postal mail sent to either name if i feel it is directed towards myself. "

 

This sound ok?

 

HI, aaaaaaaa,

I would insist they only correspond using my married name, But its only my opinion, its up to you.

Cheers Q

Edited July 29, 2008 by questioning

[A+]

thanks Q, i will amend it to ask that they do so, whether they listen or even read it is unknown

[questioning]

thanks Q, i will amend it to ask that they do so, whether they listen or even read it is unknown

 

Quite, Doesn't matter if they don't. you will have proof that you told them, thats the main thing. Keep the proof of posting and delivery with a copy of the letter. That will be perfect.

[helpmeee]

Hey aaaaa , im keeping ur post on bookmark! keep us updated! Am going through the exact same process. Sending my first CCA letter on monday!

[A+]

Great! Keep me posted on how you get on too!

[A+]

Right... first reply.

 

I have a letter back from one of the DCAs who i CCA'd.

 

It says:

 

-------------------

I would advise that we do not hold copy Credit Agreements at this office, as we are not the creditor. Under the circumstances your postal order for £1.00 is returned herewith.

 

However i would advise you that i have placed this account on hold and have asked our client to forward the documents to you directly.

 

The address for any future Subject Access Request to be made to our clients in future should be obtained from documentation you have already received from our clients as the contact details held at this office are not for use by the general public.

------------------------------------------

 

Any thoughts from anyone?

 

Thanks

[babybear39]

Standard delaying tactics...Which DCA sent it?

[A+]

This was from Buchanan Clark and Wells (BCW Group PLC)

Should i respond?

[babybear39]

Nope...Let them default