Own goal by DCA (a win I think)

[count orlok]

I had an account with marshall ward that i had been running for quite a few years, had been paying no problem. then i had to retire because of poor health and had to claim benefits. I wrote to all my creditors asking them to suspend charges and offered them, and started paying, an interim payment of £1 per month. MW accepted the payment but would not stop the interest at 39%. by now NDR where in on the act. when i changed my phone number i forgot to tell my creditors;-) but this did not stop the threatograms and charges.

 

this got my back up, so i CCAed them, complained about the charges, and cancelled the standing order. they wrote back saying they where investigating my complaints.

 

then the other day i got a letter confirming that they could not find the original signed agreement and therefore they would be abiding by the law and not chasing the outstanding balance (my words not theirs). whey can't all creditors be like this? the letter was from MW not NDR, so i'll be prepared for possible action from the bottom crawlers.

 

Had they been amicable and stopped the charges i may have carried on paying even without the CCA. bullying and rip off charges do not work!

 

One down twenty odd to go

[Nottsdave]

good for you C.O. and good luck with the others

 

Notts

[version302003]

Mward part of sdfs say they cannot locate a copy and will not pursue, but they do.

[twofoot]

Good luck with the other twenty odd.

[Having_A_Knightmare]

Mward part of sdfs say they cannot locate a copy and will not pursue, but they do.

 

Keep hold of the letter for future battles:D

[emmaf01]

I would keep that letter handy and be prepared to attach photocopies of it when you are in contact with any DCAs that Marshal Ward pass the account to.

 

I have a letter saying the only agreement they have is a blank one- hasn't stopped them trying to pass it to any passing DCA. Be prepared!

[dpick]

Hi as the above posters say they have no agreement but will still try to pursue the debt they will by error pass the debt on to another DCA (NDR are in house) just keep a copy of the we are unable to produce an agreement and when the next DCA surfaces send them a bog off letter with a copy of the cannot produce letter.

 

dpick

[count orlok]

yep, ready for stuff crawling out of the woodwork, altghough NDR are on the act the letter about lack of aggreement came from SDFS, so I wouldn't put it past NDR trying to pass it on, but you never know, someone in this industry must be true to their work.

[count orlok]

while i have a thread going may i take the liberty of asking advice on the other 20?

 

I still have a few CCAs to send off, and of all the others i have recieved a couple saying they are looking, the one mentioned and one i am not sure about.

 

Just say for example that you had a basic credit card from a company which was allways well serviced and you later phoned said company to upgrade to a better card, they said yes and sent you a letter to sign, would this letter count as a valid aggreement once signed and returned?

[berrylover]

I had much the same from NDR last year and have heard nothing from anyone since then.

[babybear39]

Subscribing...

[count orlok]

Just had a default notice from MW, now surely if they do not have a signed agreement thay also are not entitled to trash my credit record (not that another default would make much difference)?

[babybear39]

Report them to OFT and the ICO for breaches of OFT guidlines and the DPA.

[zazen.warrior]

What they mean is they can't and won't take you to court; but they will keep harassing you in the hope that you will bow to pressure.

 

Don't.

 

Eventually... after quite some time... they will give up, probably when they finally realise they’re wasting money chasing an alleged debt which they have absolutely no hope of recovering.

 

*Waves at the persistent but ultimately unsuccessful little tics from Simply Be*

[emmaf01]

And I thought they were MY persistent little ticks from Simply Be???

[count orlok]

NDR are back, this time in relation to a Littlewoods account. They have no signed agreement but have let me know "that is would have looked something like this" if we could produce it. They want well over 3 grand for a TV i did not order. had i wanted the TV in question i would have got it from Play.com for £899. They told us we could not have the one we ordered as we did not have enough credit.

 

Suppose I'll have to resend the letter I sent them before re MW suitably undated.

[count orlok]

Just a query about interest rates, and buy now pay later deals. Had this been the TV we ordred it was on a buy now pay april next year deal. On checking things out since the deal, the TV was priced at well over what it could be purchaed for at other retailers (we ordered the top of the line version, they delivered the budget one and told us we could not return it as we had opened the box and it was not faulty.), the figure that was added to our balance and what is being claimed for by NDR includes defered interest for a year and interest for the next 3 or 4 years, as well as charges, in other words well over double even their inflated price, or nearly 4 times what it would cost from play.com. Even if we had signed an agreement I would have thought it was wrong to demand interest for year into the futire?

[andydd]

I had an account with marshall ward that i had been running for quite a few years, had been paying no problem. then i had to retire because of poor health and had to claim benefits. I wrote to all my creditors asking them to suspend charges and offered them, and started paying, an interim payment of £1 per month. MW accepted the payment but would not stop the interest at 39%. by now NDR where in on the act. when i changed my phone number i forgot to tell my creditors;-) but this did not stop the threatograms and charges.

 

this got my back up, so i CCAed them, complained about the charges, and cancelled the standing order. they wrote back saying they where investigating my complaints.

 

then the other day i got a letter confirming that they could not find the original signed agreement and therefore they would be abiding by the law and not chasing the outstanding balance (my words not theirs). whey can't all creditors be like this? the letter was from MW not NDR, so i'll be prepared for possible action from the bottom crawlers.

 

Had they been amicable and stopped the charges i may have carried on paying even without the CCA. bullying and rip off charges do not work!

 

One down twenty odd to go

 

Me too..It was Egg's continual rising of my APR that got my investigating Paypal (im now paying all my card £1 a month) and also got the whole CCA ball rolling.

 

Andy