Equidebt Question

[Delta-Charlie-76]

My partner is being chassed for an alleged debt of £230 by Equidebt. Bit of history: Not to sure what this debt is about so on 15/3/09 we send them a CCA, then on the 18/4/09 we then send them the account is dispute letter, we get a letter from them dated 22/4/09 confirming they had recieved our letter & that all collection activity had been suspended on the account for 28 days, then on Friday she recieves a letter dated 19th May 09 which as follows:

 

Dear Miss ****

 

Our Reference:

Creditor: Ikano Financial Services

Complaint Ref: ******

 

Further to our previous letter dated 22nd April 2009, we have still to complete our investigation as we are waiting for further information from our client/vendor.

 

We will confirm that we will be writing to you by 22nd June 2009 with the outcome of our investigations.

 

In the meantime if you need to contact us about any aspect of this matter, please call the following free phone number 0800 587 5576.

 

Your Sincerely,

 

 

We are not going to call them, more chance of hell freezing over. What response if any would you suggest, if any. Many thanks.

[foolishgirl]

Hi Delta-Charlie

 

No action required - wait for 22 June & see what (if anything) you receive.

[Delta-Charlie-76]

Many thanks.

[ska1664]

I have had exactly the same type of letter from Equidebt, even though they have already written to me confirming that they do not have a CA, hence the account is unenforcable.

 

Just wait and see as foolishgirl says.

 

ska

[Delta-Charlie-76]

Nice little update for you:

 

I think someone has been very naughty:

 

My better half recieved a letter from Advantis Credit Ltd for this alledged debt to Ikano, to recap on 15/3/09 we send Equidebt a CCA request, on 18/4/09 we send EquiDebt Account in disput letter to which we recieved letter on 22/4/09 (see post above), then another letter 19/5/09 which said they were still looking for the CCA & still making their investigations & waiting on instructions from client/vendor, now today we recieve this letter from Advantis Credit Ltd which I will re-type as we have no scanner

 

Dear Miss ******

 

We are acting on behalf of above named client who have passed your debt to us for collection.

 

This debt must now been paid to us in full immediatley.

 

Call us now on the Advantis Priority Telephone Line 0845 402 2686 where our advisors are waiting to take your payment. Alternatively, you may pay using one of the methods detailed on the reverse of this letter.

 

Please quote your Advantis Reference in all communication.

 

If we do not hear from you within 14 days from the date of this letter we may commence legal action to recover this debt.

 

Yours Sincerely

 

*****************************************************

 

Do you think a little bemused letter to these parasites would be the answer?

 

And what nice letter could I write to Equidebt or Ikano?

 

One last thing, the missus took a call on the landline from these people, didn't last long, 3 words from her two of which are unrepeatable on here.

[Delta-Charlie-76]

UPDATE:

 

Sent the bemused letter to Advantis on 6th June, got a reply from this company today in response:

 

*****************************************************

Dear miss ****

 

We write in reference to your letter dated 6th June 2009, regarding an outstanding balance due to our client, Ikano.

 

I acknowledge from your letter that this balance is in dispute, however until we recieve your letter, we were unaware of this. Unfortunately, as we act on behalf of our client and under their instruction, we are unable to refer this account back to the previous collections agency.

 

Please forward any details of this disput and I will endeavour to investigate this further on your behalf. I will place this account on hold to suspend any further action for 28 days to allow sufficient time for us to recieve this information.

 

Finally, I recognise your request to deal with this in letter only therefor I have removed your details from our standard contact campaign.

 

Yours Sincerely

 

Claire Bithell

Complaints Administrator

Advantis Credit Ltd

 

*******************************************************

 

How do I respond to this? Any help will be appreciated. DC

[mr.ton]

Tell them to get stuffed & report them to the OFT/trading standards.

[Delta-Charlie-76]

Bump!

[hammyhound]

Yes I have been down the same route. Sent the bemused letter to Advantis - they then sent the "we dont know what your talking about letter", sent them a copy of original in dispute letter, a few days later I got "we are closing our file" letter.

 

BTW Ikano is either Principles or Ikea unless someone else knows more companies involved.

 

HH

[Delta-Charlie-76]

Would something along the lines of:

 

Dear Sirs

 

Thank you for you letter dated xx/xx/2009

 

Please find enclosed:

 

Copy of original CCA request sent to Equidebt

 

Copy of Account in dispute letter to Equidebt

 

I trust this makes things clearer.

 

Yours Sincerley

 

********************************************************

 

Would that do, any suggestions?

[hammyhound]

DC

 

Don't bother, let them do the running. You have sent in the bemused letter so you have done your part.

 

Its in their court now what to do.

 

HH

[Delta-Charlie-76]

UPDATE***

 

If this couldn't get anymore confusing, OH had a letter from Equidebt in the post today saying '.....they don't have her CCA & are returning her debt to OC & will not recieve anymore corresponsence from Equidebt....'!

 

What now?

[jon888999]

UPDATE***

 

If this couldn't get anymore confusing, OH had a letter from Equidebt in the post today saying '.....they don't have her CCA & are returning her debt to OC & will not recieve anymore corresponsence from Equidebt....'!

 

What now?

Wait for the next bunch of Muppets to appear.

You could try a very strongly worded complaint to the CHIef Executive of the Original Creditor Threatening all sorts if they pass the DISPUTED account on again. Copy the letter to the OFT. Even better email it and CC it to the OFT.

[Delta-Charlie-76]

UDATE:

 

OH had a letter from Advantis this morning, bear in mind we sent them the bemused letter a few weeks ago, this is what is in todays letter:

 

******************************************************

Dated: 23rd July 2009

 

Dear Miss ****

 

REMINDER

 

We appreciate that you may be experiencing financial difficulties at this time however it is important that you contact us to help resolve this matter. If you are unable to repay the balance in full immediately we strongly advise that you call us now on 0845 ******* where one of our specialist account managers will be able to discuss your repayment options with you.

 

Failure to contact us within 10 days from the date of this letter will result in further debt recovery action being undertaken. This may increase the outstanding debt and may affect your ability to obtain credit in the future. This action may include:

 

> Your account being passed to our legal partners to commence legal action to recover this debt.

 

> An agent being instructed to visit your premises to collect the debt personally.

 

If you believe that you may not be liable for this outstanding amount it is important that you contact us immediately.

 

Yours Sincerely

 

*******************************************************

 

Not very bright are these muppets? Considering this alleged debt is in serious dispute with equidebt.

 

Question: What would be the best letter to send these cretins now?

Have already sent the bemuses letter as stated earlier, any help appreciated.

[ashmk]

May this, may that..... I would not waste ink or a stamp. You have made your position clear.

[Delta-Charlie-76]

I know, I've seen many DCA letters with lots of mays/coulds/mights etc, I am a little concerned about this one as this account is in dispute with EquiDebt & has been for a while now, I'm just surprised, that after the bemused letter they are still stupid enough to try & collect, first of all I/We don't want any of their threat mo.......sorry field agents calling at our premises (unlikely I know), secondly would a little word if OFTs ear do any good & also a good stiff letter telling them in no uncertain terms of whats what, at the moment I think the effort in writing to them may be worth it if it gets them to go & crawl back under their stone.

[Delta-Charlie-76]

UPDATE:

 

We sent a letter to Advantis on Monday basically refering them to the Bemused Letter we sent them dated June 6th, we enclosed a copy for their reference, had a letter back this morning, this is what is in it:

 

**********************************************************

 

Date: 29th Jluy 2009

 

Dear Miss ****

 

THank you for your letter sent recorded delivery, recieved on the 29th July.

 

We understand that you are currently in dispute with Equidebt Ltd, however we write to inform you that this account has now been passed to ourselves at Advantis Credit Ltd.

 

We are able to request a copy of the agreement from IKANO on your behalf, however we must inform you that there may be upto a £10 charge for this document.

 

If you do require this further documentation please send make a cheque for this amount, made payable to ourselves at Advantis Credit, and we will be happy to request this document.

 

If you have any further queries please do not hesitate to contact us on 0845 ** ** ***

 

Yours Sincerely

 

**********************************************************

 

Firstly what are they thinking off? Are they really that stupid?

Secondly £10 for a CCA request? Think not, haven't even asked them for SAR request yet.

Thirdly, who the hell are they trying to kid, write them a cheque for £10.:evil:. I bet the cheque for £10 would be put against this so-called debt. If they think they are getting a cheque for £10 out of my Missus they can take a hike......! Rant over.

 

Any help would very appreciated. DC:-?

[Huff&Puff]

Personally, having sent them the bemused letter, I wouldn't communicate directly with them any more. Instead I think you should complain to Trading Standards and the OFT.

 

Maybe these idiot DCAs are in some kind of competition with each other to see just how many rules and regulations they can break

[Delta-Charlie-76]

Am now in the process of copying all letters from Equidebt & Advantis recieved & all letter written to them being printed off & will now be sent to the OFT tomorrow.

[harrassed senior]

subbing with interest Just at the 'we are requesting the document from Oc' stage with Equidebt.

[Delta-Charlie-76]

Good luck HS with Equidebt Ltd. I doubt you will get anything back except 'we are still waiting for documents...etc' and ' .....passing account back....etc'

 

At the moment we are banging our heads against the wall with this saga with Equidebt & advantis, all correspondence is being sent off to the Office of Fair Trading in the morning as I have another complaint which OFT contacted me over regarding HFO, so I asked if I could make a compalint about these idiots too, my contact told me that would not be a problem.

[Delta-Charlie-76]

Another UPDATE!!!

 

Had yet another letter from Advantis on Thursday identical to the one in Post 14. I have sent all correspondence except this letter to OFT/TS. I'm sure these idiots are on a suicide mission. Do I still ignore them?

[Huff&Puff]

Yes indeed. They just churn out computer generated threatograms according to their own schedule, so don't worry about it.

[Delta-Charlie-76]

If there was an award for Stupidest DCA, Advantis would strongly be in the running for 1st position.

[Delta-Charlie-76]

ANOTHER UPDATE:

 

OH had yet another letter from these idiots at Advantis, the letter contained the following:

 

**********************************************************

Dear Miss ******

LETTER BEFORE ACTION

 

Unless payment is made within ten days of the date of this letter an agent may be instructed to collect the debt personally or legal proceedings for the recovery thereof may be commenced without further notice.

 

This may result in the issue of a County Court Claim or if resident in Scotland a Sheriff's Court Writ against you. Should this prove necessary we will seek all fixed costs and fees together with statutory interest on the outstanding balances.

 

In the event that a County Court Judgement (CCJ) is obtained it will be recorded on the Register of Judgements, Orders and Fines, or if a Sheriff's Decress is obtained details of the decree will be passed by the Courts to The Registry Trust. The obtaining of a CCJ or a decree may seriously affect your ability to secure credit in the future.

 

If a judgement or decree remains unsatisfied a Bailiff or Sheriff Officer may be instructed to recover assets from you to discharge the 'New Balance' of your debt or we may apply to your employer for an Attachment of Earnings or we may apply for a Charging Order against your property, if owned by you.

 

If you dispute liability for this debt please state your reasons in writing and supply documents in support of your defence to any claim. If you fail to notify us of any potential dispute prior to the issue of preedings and you subsequently file a defence we reserve the right to show this letter to the Court.

 

To prevent further action being taken call Advantis now on 0845 *** ****.

 

Your Sincerely

 

Advantis Credit.

 

********************************************************

 

I count 6 mays in this letter...........who the devil do these Boneheaded Numpties think thy are........well I had a rather interesting chat with Consumer Direct about these Wallys today. Any comments?