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Mr Worried

Alchemy Ltd, Moorcroft, Capquest, Scottcall.

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Hi To All

 

Just a quickie here...who the hell are the above???

 

Got letter from Moorcroft ( o h debt ) pre- court division..intended litigation???

 

Capquest sent letter in April ( letter before action).then got letter in May from Scottcall (doorstop collection notice), then in June got one from Cap 1 saying that acc is not now being dealt with by any DCA..?

 

(Did not know about this one) My missus got in touch with Alchemy organisation Ltd re ppi on a loan from Lloyds TSB, she has recieved 2 letters from TSB saying they are still dealing with ( her/Alchemy's request) and that they will be in touch soon, and if she is not happy then go to ombudsman?.

 

Oh and I have just found in my old paperwork details of hp I took out with Currys for some electrical goods a few yr ago, can I act on this to see if it was written up correctly?.

 

 

 

Can you give me any advice on the above please.

 

Thank you

 

Mr W


Regards..Mr Worried :)

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the above are all dca's

you know those companies that try and conyou out of money you don't owe them...........

 

trying to understand what it is you wanthelp with.

 

as for the currys loan, is it paid off yet? little point other than charges/ppi if it is?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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the above are all dca's

you know those companies that try and conyou out of money you don't owe them...........

 

trying to understand what it is you wanthelp with.

 

as for the currys loan, is it paid off yet? little point other than charges/ppi if it is?

 

dx

Thanks for the reply dx, the help I am after is do I cca/sar the companies that they are acting for? and when does an account become in dispute? and do I stop paying when it is in dipute?

 

Thanks


Regards..Mr Worried :)

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an a/c becomes in dispute when you query the balance ie for charges or ppi.

an a/c becomes unenforcable if the cca request is not met within 14 working days & remains so until a valid cca appears. at this point, it is when you can stop payments and seek a very low f&f offer.

 

as for the cca request, that is fired off to the dca typically, as for sar it is to the original oc.

 

hth

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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an a/c becomes in dispute when you query the balance ie for charges or ppi.

an a/c becomes unenforcable if the cca request is not met within 14 working days & remains so until a valid cca appears. at this point, it is when you can stop payments and seek a very low f&f offer.

 

as for the cca request, that is fired off to the dca typically, as for sar it is to the original oc.

 

hth

 

dx

Thanks for the reply

 

What is oc..? ( original creditor?)


Regards..Mr Worried :)

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Yep

 

David

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i would hold on the sar for awhile

 

the cca request is fine for now

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i would hold on the sar for awhile

 

the cca request is fine for now

 

Hi

Why hold the sar but not the cca?.

 

Mr w


Regards..Mr Worried :)

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one step at a time?

let get them to prove you cca is enforceable first.

then reclaim the charges.

you could ofcourse just send an sar, and in that state you wish a copy of the agreement too, but thats 40 days, and you want the info to reclaim so will have to wait if they mess you around.

 

the cca has a strict time limit of 12+ 2 [posting] working days.

 

else they default.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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just my opinion you understand

 

but later down the line DN's may (or may not be issued and other events will transpire that you may want to obtain their records to obtain proof etc

 

if you have already used your SAR "ace" you will only get information up to the present date.

 

you are then faced at a later date with having to send another sar to cover the last date their records went up to and the new date

 

messy and for what?

 

any information they now have is not really of much use to you as yet- especially if the cca comes back duff

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also you need to note that an SAR WILL NOT get you the agreement

 

the creditor has to send you the INFORMATION he has on his records NOT the actual RECORDS or DOCUMENTS themselves

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Will try and make light of your situation but i seen a great thread on here a while ago about Scotcall (doorstep collection). It went something like this:

 

Thankyou Scotcall for writing to me for my doorstep collection. My step at the moment is very old and so was just about to paint it to get it up to scratch with the rest of the house. Anyway if you would be so kind as to let me know when you will be collecting my doorstep i will arrange for a new one to be delivered on the same day. This service is much appreciated and i would like to thank you for the wonderful service you are providing me. I am truly grateful. Yours thankfully Mr .....:rolleyes:.


Andy...

 

 

 

 

 

 

 

 

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one step at a time?

let get them to prove you cca is enforceable first.

then reclaim the charges.

you could ofcourse just send an sar, and in that state you wish a copy of the agreement too, but thats 40 days, and you want the info to reclaim so will have to wait if they mess you around.

 

the cca has a strict time limit of 12+ 2 [posting] working days.

 

else they default.

 

dx

What would you do dx in your opinion?......

 

Wow just had a call from Portland House, went through the I D, then they let rip at me, I told them I am to cca and they were not happy..who told you bout cca, who have you been talking too etc, they seemed pretty peeved, I was shocked at their outburst, they said that I will have no luck with section 74 or 78 'cant remember'.

By this time I retaliated and give them my knowledge back, they butted in and said you had the money now stop trying to get out of paying??

 

Bottom line is their owed £750.00 I have been paying £20.00 agreed payment monthly, what do I do now?

Edited by Mr Worried
Spelling Mistakes

Regards..Mr Worried :)

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you don't have to talk tothem you know!

just refuse to do the ID bit...stuffs 'em!

 

so we're getting a bit more info here now.

 

they are chasing for more than the agreed £20?

if so ignore them

thats std practice

 

as for the other debts

 

fire off a cca request

when you get then back [or not!]

start a thread on the relevent forums for each named creditor

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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What would you do dx in your opinion?......

 

Wow just had a call from Portland House, went through the I D, then they let rip at me, I told them I am to cca and they were not happy..who told you bout cca, who have you been talking too etc, they seemed pretty peeved, I was shocked at their outburst, they said that I will have no luck with section 74 or 78 'cant remember'.

By this time I retaliated and give them my knowledge back, they butted in and said you had the money now stop trying to get out of paying??

 

Bottom line is their owed £750.00 I have been paying £20.00 agreed payment monthly, what do I do now?

 

get your arse in gear and act on the information we are giving you

 

dont in future go through the ID proceedure- as soon as you identify who is calling put the receiver down

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you don't have to talk tothem you know!

just refuse to do the ID bit...stuffs 'em!

 

so we're getting a bit more info here now.

 

they are chasing for more than the agreed £20?

if so ignore them

thats std practice

 

as for the other debts

 

fire off a cca request

when you get then back [or not!]

start a thread on the relevent forums for each named creditor

 

dx

 

Cheers dx

 

I spoke with them to let them know my intentions, but I wont do th ID again, they just want the £20.00 p mth, and if we dont speak to them does it not make them arsy and if say we have a creditors meeting re IVA will they not be arsy in rtn thus putting preasure on the 75% I may need to get the IVA ( hypertheticaly speaking).

 

Cheers

 

Mr W


Regards..Mr Worried :)

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get your arse in gear and act on the information we are giving you

 

dont in future go through the ID proceedure- as soon as you identify who is calling put the receiver down

Cheers for that..temp letter printing as we speek.

Mr W


Regards..Mr Worried :)

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Cheers for that..temp letter printing as we speek.

Mr W

 

look forward to seeing the response

 

dont forget

 

dont sign the letter

 

make a statment that the one pound fee is for production of the s78 request and not to be used for any other purpose

 

recorded delivery keep the slip

 

they have 10 WORKING DAYS (mon-fri) to respond after service ( 2 working days after first class posting or 4 days after second class)

 

(go on spoil them - send it first class)

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Hi All,

 

Actualy, Alchemy Organisation Ltd are a regulated CMC (claims management company) not a debt collection company (dcc).

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