Beachy's OH v Egg Card

[beachcomber60]

I am sure someone else will pop up & have a go

 

That letter doesn't make any sense does it

 

Beachy

[DonkeyB]

Shows how truly amateurish and shambolic they are.

[lickthewallfatboy]

Freddy's don't like CPR 31's one little bit

[DonkeyB]

Just looked back over the thread - another filleting dished out to Carter by the truly great Cerbs!

[beachcomber60]

Just looked back over the thread - another filleting dished out to Carter by the truly great Cerbs!

 

Yes, as he said they'd drop it like a hot potato

[beachcomber60]

Spot on Lexis

 

Nice letter from Mr Franklin informing OH that he's the case manager & he's starting litigation in 10 days time if OH doesn't contact Apex.

 

Have ignored all their letters up to now, maybe just maybe this one will get a reply.

 

Beachy

[seriously fed up]

I got that one too the other day. I dont know if you spotted that Mr F's sig was electronic (ie its a bog standard letter), so it might just be another part of the process. Thing is that they have ramped it up so much now that its hard to see where else they can go other than act on their threat (in which case with me they are taking an application form with no sign of T&Cs to court), do something really drastic (send the boys with the violin cases round) or go away.

Let's know what happens next with you, and I will do the same, if I hear back earlier (letter to Mr F repeating all my earlier points - void under s59, irredeemably unenforceable under s61, no executed agreement sent to me - see s62 - and no DN issued - just going off today). Unlike you, I have responded - like to have the last word - and to my horror discovered I have wasted twelve postage stamps on these muppets in the last 12 months - varies in that some months there are none, but in one month it was as many as three. So I have disputed his assertion that I have chosen not to deal with this and instead pointed out that they have never engaged with the points I was making (they havent - not even to say that they dont agree), and pointing out that i will raise this matter in court when the matter of costs is to be considered.

My suspicion is that its another threatogram from their automated system, but a bit too dodgy to be ignored.

Edited June 26, 2010 by seriously fed up

[beachcomber60]

OH DEAR ! !

 

I think I've upset Apex

 

"Please be advised that an account is not deemed to be dispute just because a consumer is not satified with a response. The lender (or third Party) has a duty to investigate the complaint and be satisfied that they have addressed the concerns raised".

 

Letter unsigned

 

This was in reply to me telling them that the account is still disputed and that they/Egg have not 'settled' my complaint.

 

Beachy

[beachcomber60]

PS

 

Sorry clicked submit in error.

 

Last bit of their letter was :-

 

" It is not your prerogative to decide whether an account is/isn't in dispute".

 

Beachy

[lexis200]

Well who the hell is supposed to decide that then??? You can't have a dispute if it's only one person who makes a judgement now can you:rolleyes;

 

Dear Apex twits

 

Thank you for your letter. I can confirm it is not your prerogative to send out letters threatening court when you have no intention of taking that action. It is also not your prerogative to clog up my letterbox with your incessant drivel regarding this account.

 

I look forward to your next missive. As you have recently threatened me with court this means you should be about back to the beginning with your template letters and will be back to being concerned that I have not contacted you, despite the fact you have many letters from me in your files.

 

Now sod off, you overpaid, jelly-brained bunch of bottom-dwellers.

 

Love and hugs

 

Beachy.

 

Oh I tried so hard to be sensible, but it just takes too much effort:D

[lexis200]

ps - had another 'please contact us. please. oh go on, we really will be nice' letter a few days ago.

 

Having checked through my correspondence from creditors at the weekend, it really does seem like I have had a letter on average about every 2 weeks from them since about Feb!!

[beachcomber60]

Well who the hell is supposed to decide that then??? You can't have a dispute if it's only one person who makes a judgement now can you:rolleyes;

 

Dear Apex twits

 

Thank you for your letter. I can confirm it is not your prerogative to send out letters threatening court when you have no intention of taking that action. It is also not your prerogative to clog up my letterbox with your incessant drivel regarding this account.

 

I look forward to your next missive. As you have recently threatened me with court this means you should be about back to the beginning with your template letters and will be back to being concerned that I have not contacted you, despite the fact you have many letters from me in your files.

 

Now sod off, you overpaid, jelly-brained bunch of bottom-dwellers.

 

Love and hugs

 

Beachy.

 

Oh I tried so hard to be sensible, but it just takes too much effort:D

 

Luv It

 

Worthy of the cost of a Special Delivery

 

Haven't had the Doorstep letter yet

 

Beachy

[seriously fed up]

I got that one the other day. The only thing is that it came after the "we are assessing whether to take you to court" one. I would have thought it would be the other way round? Perhaps they are sending letters out at random?

[lexis200]

I think they simply have a set of letters that go out, and even if the response is not what they want, once they get to the court one they just go right back to the beginning, regardless of the fact that it makes no sense to the debtor and loses all face for Apex who immediately show themselves to be toothless numpties:)

[seriously fed up]

Yes, but do we think its random? Or is there some kind of intelligence involved in this?

[beachcomber60]

Spot on again Lexis

 

2nd letter this week (and its only Wednesday).

 

Due not contacting them (cant they freckin' read !!) now being 'assessed' for a doorstep visit.

 

BC

[seriously fed up]

what are they assessing here Beachy? You or your doorstep?

[lexis200]

Make sure if you send them the doorstep caller letter that you are very clear on the fact that if they ignore your explicit instructions you will charge them for the use of your private footpath (by either them or any person employed by them), and will invoice them accordingly.

 

I started adding that to mine a good while ago, and whilst no-one has ever turned up I'm hoping one day they will as I could do with a bit of extra cash;)

[beachcomber60]

Make sure if you send them the doorstep caller letter that you are very clear on the fact that if they ignore your explicit instructions you will charge them for the use of your private footpath (by either them or any person employed by them), and will invoice them accordingly.

 

I started adding that to mine a good while ago, and whilst no-one has ever turned up I'm hoping one day they will as I could do with a bit of extra cash;)

 

 

I think £20 to use our footpath is a fair rate.

 

A local department store closed the other day so I thought I'd grab a bargain and have a spare set of steps just in case a doorstep collector does turn up.

 

[lexis200]

Well that's dead handy isn't it? I hope you got the bannisters thrown in too:D

 

ps - had another couple of 'you've not responded, we're looking into legal action' letters since their last one at the beginning of June. I have the best part of a rainforest in my files thanks to them:rolleyes:

[beachcomber60]

Well that's dead handy isn't it? I hope you got the bannisters thrown in too:D

 

Because it was more than one step, under Health & Safety I had to have the bannisters

 

Their latest 'missive' in response to the revoking their 'right' to visit :-

 

'We would like to make you aware that any doorstep visits will be made via an appointment (they have been told in plain english that there is no wish to 'make' an appointment) and will comply with the regulations under the office of fair trading rules.

 

Please contact the office within 7 days to arrange a mutually agreed payment plan'.

 

Not even worthy of a reply me thinks Although I think its time to start charging an Admin Fee for every letter

[Undercover-Elsa]

Definitely.Lowells had to pay up on that score

[lexis200]

Definitely.Lowells had to pay up on that score

 

tell us more Elsa.....I'm intrigued:)

[Undercover-Elsa]

Ooooh..I'll try and dig the thread up...brb...

[Undercover-Elsa]

Hmmm can't find the one I was thinking of..sure it was Lowell, but there's a few threads knocking about, like this one, which was Mercers:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/267256-how-can-i-use.html