Credit Ancillary Services/Equidebt Ltd

[Yog sothoth]

Having been pursued by Wescot Credit, Regal Credit Consultants and latterly Apex Credit Management, for an alleged debt of £3k (OC was RBS/Mint), I have now been approached by Credit Ancillary Services, who are a new one on me.

 

They have sent me 2 letters:

 

"Equidebt Ltd have instructed us to collect the above debt which has been outstanding for some considerable time and must be paid.

We are now the authorised debt collection copany dealing with this account and, therefore, any correspondence and future payments should now be sent directly to us.

Failure to respond will only result in our continued efforts to contact you.

Yours sincerely..."

 

followed just recently by...

 

"DOORSTEP COLLECTION NOTICE

Our records indicate that we have been unable to come to an arrangement to clear the outstanding balance on this account.

This is your last chance to voluntarily offer us payment on this account before we arrange for a Debt Collector to visit you at your home. You have until 12th January to respond.

Etc Etc."

 

Having successfully fended off for good the pompous asses of 1st Credit, Cabot and Capquest, I am not in the least intimidated by these people. Former CCA request to Mint resulted in a poor photocopy of an application form, not signed by their representative, with no T&C. Additionally, they had not sent me a Default Notice, nor a Notice of Assignment before selling it to Wescot Credit in the first instance. I guess they knew this, which is why they haven't pursued this.

 

I will send CAS a letter spelling out the shortcomings of their predecessors and suggesting they pull their fingers out and do what that series of losers couldn't if they wish to get anywhere with this. Oh, and don't send anyone doorstepping.

 

Only in more formal terms than the above, obviously.

 

Anyone know anything about Credit Ancillary Services Ltd? Or indeed Equidebt Ltd, who they are allegedly acting for?

[ODC]

Cabot use them for some of their more dodgy debts. They must have no-one who can read because their responses to my letters have just been more empty threats.

[Yog sothoth]

So does this mean my old mates Cabot may have a hand in this?

[ODC]

So does this mean my old mates Cabot may have a hand in this?

 

More than likely. There are a couple of other probs with CAS but I will keep them quiet for now. Guests watching

[Yog sothoth]

OK, I understand. Nod's as good as a wink and all that (touches nose).

[ScarletPimpernel]

Credit Ancillary Services, who also trade as ECI, are part of Equidebt. They seem to be Equidebt's first line of attack, so to speak, and will usually be repulsed by a CCA.

[ODC]

Credit Ancillary Services, who also trade as ECI, are part of Equidebt. They seem to be Equidebt's first line of attack, so to speak, and will usually be repulsed by a CCA.

 

In my case they were employed by the wonderful cretins at Cabot Towers. I would like to think that this was because Cabot knew they were on a hiding to nothing because of previous dealings with me or it could be because of a fundemental error in their correspondence which shows their CRASS STUPIDITY

[Yog sothoth]

Well, I did serve a CCA on Mint, who responded with something woefully inadequate, and eventually sold it on, knowing they were on a loser. I'll CCA CAS I guess, and see what they respond with, or should I remind them that the OC were unable to meet their statutory obligations in this respect?

[ODC]

Well, I did serve a CCA on Mint, who responded with something woefully inadequate, and eventually sold it on, knowing they were on a loser. I'll CCA CAS I guess, and see what they respond with, or should I remind them that the OC were unable to meet their statutory obligations in this respect?

 

You only need to CCA once. You have CCAed Mint. They are in default so should not have passed it on to another set of MUPPETS. Send this to CAS

 

ACCOUNT IN DISPUTE

Dear Cretins

 

Account number: XXXX XXXX XXXX XXXX

 

Frankly I am surprised that I need to remind a firm of Debt Collectors about the Consumer Credit Act 1974.

 

I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the **original creditor/DCA** and has been since DATE 2007.

Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

My last letter from **original creditor/DCA** was DATE and intimated that my complaint would be resolved on **DATE**, this obviously hasn’t happened.

As **original creditor/DCA** are now in default of my Consumer Credit Act request, Subject Access request and have also breached s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE.

 

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

 

Now I would respectfully suggest that this account is returned to the **original creditor/DCA** for resolution of these defaults and breaches, as **New DCA** cannot lawfully pursue any enforcement activities.

 

If **New DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

 

Should you have any difficulty with the contents of this letter I suggest you seek advice from

 

1. Your local Citizens Advice Bureau

2. A REPUTABLE firm of Solicitors

 

 

 

Yours etc

[Yog sothoth]

excellent. Cheers ODC! Are the OC obliged to take it back? I would imagine they regard their crappy unsigned application form to discharge their obligations.

[ODC]

If CAS were foolish enough to purchase an UNENFORCEABLE debt thats their problem not yours. They are supposed to be the professionals . Let them take it up with Mint.

[mothsinmywallet]

I have broke the cardinal sin and phoned CAS as their letter this morning got me going!!

 

I had a debt with Equidebt for over a year, CCA'd them back in June last year and ever since they have been searching for a copy of the CCA. The account was on hold until out of blue on Saturday they started chasing debt again. Again (naughty naughty) I phoned and the girl apologised and said they had switched computer systems and letter went out in error. Ok, fair due, mistakes can occur. But today a letter from CAS - we have been instructed by Equidebt as you failed to respond. Same location address wise as Equidebt. Phoned and spoke to girl who admitted CAS are on the same floor as Equidebt and Equidebt are transferring a lot of accounts to CAS and surprise surprise the new computer software switchover has caused problems - again my account put on hold and referred back to their compliance dept.

[Yog sothoth]

"same floor as Equidebt..." "computer problems..."

 

Dear oh dear, what a shower.

 

Don't ring them again, send them a letter requesting that all communications be in writing.

[ODC]

Bit like Lowells, Red Debt and Hamptons then. Same $hit different notepaper

[Dorabell]

Bit like Lowells, Red Debt and Hamptons then. Same $hit different notepaper

 

You do make me laugh ODC:lol:

[ODC]

You do make me laugh ODC:lol:

 

Bit like a Lowells letter then

[Dorabell]

Yes:lol: i have just started battle with them cap one have sold my account to them sent them the bemused letter just waiting for ther reply:lol:

[mothsinmywallet]

The best thing about CAS letters is that on the back it gives you payment options- I quote (this is what it says) - "You can make payment at any branch of Woolworths" :lol:

[Yog sothoth]

Guffaw!

[Yog sothoth]

Sending them this:

 

ACCOUNT IN DISPUTE

 

 

Date:

 

Dear Sir/Madam

 

Your Reference:

I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with Regal Credit Consultants and has been since 30/10/07.

Not only is this a breach of OFT Collection Guidelines, but is also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998.

Frankly I am surprised that I need to remind a firm of Debt Collectors about the Consumer Credit Act 1974.

 

Regal Credit Consultants and the original creditor were unable to provide documents relating to the account, which meet the strict requirements of the relevant sections of the Consumer Credit Act 1974, and relevant regulations made under that Act.

 

As Regal Credit Consultants are in default and have also committed a criminal act, by failing to provide an adequate response to my Consumer Credit Act request, and have also, by passing personal data connected with the account to a third party (ie yourselves), breached s10 Data Protection Act, I consider this account to be in SERIOUS DISPUTE.

 

As you are hopefully aware, whilst the matter remains in default, for the reasons outlined, enforcement action is NOT permitted, and under s127 this constitutes a complete defence at law.

 

I would respectfully suggest that this account is returned to the original creditor for resolution of these defaults and breaches, as Credit Ancillary Services (CAS) cannot lawfully pursue any enforcement activities in relation to the matter.

 

If CAS choose to ignore my dispute and do attempt enforcement, then I will respond with appropriate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards Authority, Office of Fair Trading, Information Commissioners Office and Financial Ombudsman Service.

 

I hope that this will not be necessary.

 

I would appreciate your due diligence in this matter.

I look forward to hearing from you in due course. Please ensure that all correspondence is in writing, dated and signed by a responsible person.

 

Yours sincerely

 

[mothsinmywallet]

CAS/Equidebt has finally caved in:D.

 

After sending me letters from CAS I got a bit uptight with them and said that CCA req was with Equidebt (their own company) and that had been o/s from June 2008. Slightly a bit over the 12+2 timeframe!!

 

Letter back from Kevin Kennedy from the Compliance Dept apologising for letters going out as computer error and that as CCA req o/s for so long and cant obtain a copy they are closing the account.

[Yog sothoth]

Excellent! Well done!

 

Be aware though that Capquest did that with me back in 2007 (ie closed the account) and I thought that was the end of it, but in 2008 Capital 1 (OC) sold it on to Lowell Portfolio, despite them admitting they don't have the CA! So I'm dancing the two-step with Lowlife, sorry...Lowell now, until they realise they've lost before they've begun. Sigh...

[Yog sothoth]

All was quiet after my 'bemused letter' (see earlier post) but now, as if nothing has happened, up pop CAS again, acting stroppy with me. Sending them a repeat copy of the bemused letter and a demand to know whether they 'own' the debt (in which case I've had no Notice of Assignment) or whether they and Equidebt are acting for the OC (RBS/Mint).

[ncf355]

I had my first letter from lovely cuddly equidebt today

 

I like CRA's, they make me smile

 

[delta1956]

Thank you will reply to their letter using above template .Thanks a million for speedy response. Kind regards delta1956