B, O & S, Identical letters, for different types account at different banks?

[count orlok]

definatly déjà vu. just goes to show how meaningless and stupid these people are. I sometimes use templates, but I allways change them and do not use the same one more than once to the same company. If we sent the same letter on numerous accasions they would not take us seriously, how to they expect us take them seriously when they do it. They should know better, we at least can claim to be lay persons, they are claiming to be profesionals. Don't make me laugh, every day that goes by just goes to show what these people are like. i don't suffer fools gladly and this is just getting me wound up.

 

sorry to vent, but i just can't beleive these people.

 

I geuss I'll have to stop taking them seriously and realise they are only doing it for my amusment nice people that they are, they're only trying to cheer me up in my times of strife.

[Fred Bassett]

definatly déjà vu. just goes to show how meaningless and stupid these people are. I sometimes use templates, but I allways change them and do not use the same one more than once to the same company. If we sent the same letter on numerous accasions they would not take us seriously, how to they expect us take them seriously when they do it. They should know better, we at least can claim to be lay persons, they are claiming to be profesionals. Don't make me laugh, every day that goes by just goes to show what these people are like. i don't suffer fools gladly and this is just getting me wound up.

 

sorry to vent, but i just can't beleive these people.

 

I geuss I'll have to stop taking them seriously and realise they are only doing it for my amusment nice people that they are, they're only trying to cheer me up in my times of strife.

 

I got so fed up with Blair Oliver and Scott over 2 different accounts that I decided to knock up my own template letter:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/86614-fred-bassett-halifax.html#post1577312

 

Regards.

 

Fred

[babybear39]

They have to stick to the same templates as the person who wrote them (the one with the brain cell, alegedly) no longer works there

[cerberusalert]

[count orlok]

read your thread fred (good rhyme there ), many freinds there, recognise the letter aswell, just shows what a silly lot they are.

[count orlok]

another template threatogram arived today:

 

they say they have been unable to contact me, and their "clients" want all the money. I must phone them (they cbviously do not regard a letter as contact, perhaps because they can't read) or they'll take me to court/take my house/send round the boys.

 

I wrote to them a couple of weeks ago about bank charges taken from my DLA & ICB, but aperently that is allowed, but I understand i may be able to query the charges. Had agreed OD, but stopped servicing the account when income was halved due to OH having to stop working. Since then OD has doubled dues to charges and interest.

 

What is the position with bank charges now? can i ask for them back to half the debt?

[babybear39]

another template threatogram arived today:

 

they say they have been unable to contact me, and their "clients" want all the money. I must phone them (they cbviously do not regard a letter as contact, perhaps because they can't read) or they'll take me to court/take my house/send round the boys.

 

I wrote to them a couple of weeks ago about bank charges taken from my DLA & ICB, but aperently that is allowed, but I understand i may be able to query the charges. Had agreed OD, but stopped servicing the account when income was halved due to OH having to stop working. Since then OD has doubled dues to charges and interest.

 

What is the position with bank charges now? can i ask for them back to half the debt?

 

You might as well SAR the OC to see what the charges are, then start a charges reclaim. Before you fill in the court forms it's worth writing and asking for settlemant due to hardship

[count orlok]

Thanks for your answer BB. Can't realy afford the fee for SA, but i have kept all letters and statemtns so know what the charges are for. They are mostly due to charges for stopped DDs and the subsequent charges for going over limit which they caused.

[babybear39]

Might be a good idea to start a thread in the bank charges section and they can help you with those

[count orlok]

Should i reply to their letter using their template but with the details changed to like:

 

Dear Dawn

 

THIS LETTER REQUIRES YOUR ACTION

 

 

Despite several attempts to contact you, you have failed to aknowledge my payments to you, or replied to any of my letters.

 

Your client is actually you, and i am unable to repay the full balance.

 

I will not be contacting you by phone and understand the possibility of further action. My reaction to such may include:

Your doorstep collector being sent away.

Court action being taken and the courts ordering me to pay what I am allready am, and you being accused of wasting the courts time, as i have no property which i had already told you.

 

It is in your best interests to read my letters to you. Alternativily you can phone me on my helpline where one of my operators will help you.

 

 

Helpline Number: 8457 22 44 99

 

Yours faithfully

 

Robbing Hood

[babybear39]

YAY!!! Great letter Have a rep on me

[count orlok]

I won't be sending them that letter, but anyone who wants to use it may do so. I will be sending them a strongly worded letter basicaly letting them know their actions and letters are like some desease ridden insect to be swotted aside and swished. And that their actions have only weakened their position and increased my resolve to fight. How are we expected to take anyone seriously who thinks so little of themselves that they have to make out they are some kind of important debt collecting solicitors. I mean they have the same address as BOS, they could have been a bit cleverer that calling them selves B,O&S.

[babybear39]

I won't be sending them that letter, but anyone who wants to use it may do so. I will be sending them a strongly worded letter basicaly letting them know their actions and letters are like some desease ridden insect to be swotted aside and swished. And that their actions have only weakened their position and increased my resolve to fight. How are we expected to take anyone seriously who thinks so little of themselves that they have to make out they are some kind of important debt collecting solicitors. I mean they have the same address as BOS, they could have been a bit cleverer that calling them selves B,O&S.

 

Clever and HBOS don't go in the same sentence

[Undercover-Elsa]

The Job advert must have been a gem:

Wanted, 3 solicitors. Qualifications immaterial, but names must begin with B, O or S.Qualifications immaterial. Ability to print off template letters preferable. Applicants with morals or intelligence need not apply.

 

[babybear39]

The Job advert must have been a gem:

Wanted, 3 solicitors. Qualifications immaterial, but names must begin with B, O or S.Qualifications immaterial. Ability to print off template letters preferable. Applicants with morals or intelligence need not apply.

 

 

ROFLMFAO have a rep on me

[Undercover-Elsa]

awww thanks for that BB

[count orlok]

just one word: Dispatches