Premier Man / Reliable collections

[count orlok]

Hi

 

Yes i understood they have 12 days to reply but was not sure about the 30 days part

 

It used to be that if they did not suply the requested one month after the 12 days they comited an offence, that has now changed and it just goes into default after 12 days and stays that way untill/if an agreement is produced, and as we all know and HBOS among others deny, whilst it is in default they are not allowed to enforce the agreement (common sense when you think about it; how can you enforce something that does not exist?).

[Scouserlad]

Hi

 

Can you please also give me an idea on what to do here : http://www.consumeractiongroup.co.uk/forum/lloyds-bank/210240-john-lloyds-tsb.html

 

Thanks

John

[sunflower99]

Thats awful if they trying to imply that you signed something you dident ,Surely any firm doing that would be guilty of a criminal offence and if that is the caes they should be reported,to police and oft:mad:

[bigpaddy1754]

hi cerberus. i am having trouble with 10 debts with reliable collections.

i sent cca,s. they sent 10 shiny new agrrements with my name and address written in ink. they also quote the consumer credit act 1983, 3 (2) (b). i have never seen this credit agreement until yesterday morning.

do i send them the same letteras above. bigpaddy

[cerberusalert]

hi cerberus. i am having trouble with 10 debts with reliable collections.

i sent cca,s. they sent 10 shiny new agrrements with my name and address written in ink. they also quote the consumer credit act 1983, 3 (2) (b). i have never seen this credit agreement until yesterday morning.

do i send them the same letteras above. bigpaddy

 

The one in post #14, yes.

[Scouserlad]

Can i please have some advise on this

 

[Bazooka Boo]

Click the black triangle scouse and as one of the site team to start a new thread for you, as this will go missed here. But having had a quick look over what they have said, yes they are correct, in that post 2007 agreement are normally deemed compliant, and especially if it was taken out online and a tick box was used.

 

But once you have your own thread, then others will be able to see it and give advice, and you will be able to give more info regarding this..

[cerberusalert]

It is Scouserlad's thread.

[Bazooka Boo]

Oh Balls! Not again!

Weekends are....how d'ya say..."boozy!" Sorry Scouse..

[Scouserlad]

Can anybody give me any advise on this ?

[Bazooka Boo]

OK was it taken out online? Was it taken out post 2007?

[Scouserlad]

I belive i took it out online in 2008, when i askef for a credit agreement i got a document i have never seen before

[Bazooka Boo]

Right, Online apps are deemed enforceable regarding the new legislation, so with that in mind, what amount are they demanding, what charges have they added, and are they still adding interest?

 

Have you sent them a proposal or an offer of payment? If so have they accepted/refused or demanded a higher payment?

[Scouserlad]

Hi

 

They have added around £350 of charges, they have passed it to moorecroft debt recovery who are not been very helpful at the moment.

[Bazooka Boo]

Then I would claim the charges back and use that to offset the balance, Moorcr@p aren't in the business of being helpful, all they want is money, they're very shallow like that.

[Scouserlad]

I have had dealing with the snotty fu*ckers at moorecroft in the past they tend to back down if you ask to discuss it face to face at there office