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debt collectors from studio cards

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hi all.

my wife had a visit today from the debt collectors, working on behalf of studio cards, he demanded to know when she gets payed her benifits , and offered NO id or his name , and he didnt say what firm he worked for , like many of you , she had not signed a CCA , so can anyone tell me where she stands on this , and where we go from here , any advice would be greatfuly recieved, many thanks in advance.

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I hope they were not told anything other than to go away.

Next time 1 of these clowns turns up, ring the police straight away to report that you are being threatened.

Report them to the OFT/trading standards as well.

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In a nuthell tell him to get lost.

 

This peoples are only trying it on to scare you into payment, been there myself, with studio.

Remain calm and ask him/her politely to leave without any details.

 

If they don't take the hint, you could also involve the police.

 

 

(Memo for myself: need to type faster...ha ha)

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My 2 not very friendly rottweilers deal with all Debt collector enquiries;)

regards


Please remember our troops, fighting and dying in our name. God protect them.

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As above, I mean would you seriously give out info and money to any dickhead who knocks on your door and does not provide evidence of who they are or who they claim to work for.

 

these cretins get worse


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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thanks for all your reply's

 

he also wanted to know how much benifits she gets paid (cheeky git) for want of a nicer word , and said he would come back next week, if he calls again im gonna ask how much he and his wife gets paid and when , if he say's thats none of your buisness , then im gonna say TOUCHAY...and see what he says.

 

my wife has today sent a letter to studio , asking for a copy of her signed credit agreement , and see what happens , i will of course keep you all informed of the outcome.

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send this at the same time

 

Dear xxxx

Account Ref xxxx

Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me by telephone over the past few weeks/months and these have been duly logged by time and date.

Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

Yours faithfully,


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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I would also advise that if the company refuse to accept the letter saying no callers, i call it a trespassers will be shot letter, at the front door then u can always hand it to the caller then ask them to leave.

 

Failing that u can always if you have the facilitys ask for there id and take a copy of it then ask the caller to sign to say its a copy of there id and accept they are tresspassing. Then send the company a bill say £250. then outta the check of it offer the company some of that money they may pay you back in full and final settlement of the account.


OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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thank you both for the letter info , i shall be using them to send to studio , the advice i have been give is fantastic , im so glad i stumbled onto this site., i shall keep you informed of the outcome

 

regards

 

BBguns xxx

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Hi BBG glad you found your way:) you will get all the help and advice you need good luck:)

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BB i am in the middle of a dispute with STUDIO. They have admitted they hold no CCA basically by saying the application form they have sent, which could have been wrote up on the day they typed the letter as far as i am concerned, is enough evidence to prove a debt also the fact that i have ordered goods and madepayments on the account.

 

Basically the nutshell of my complaint is that

 

a) I ordered goods they never arrived. Sent them via royal mail u see.

b) they mucked me about for MONTHS regarding getting the items credited to the account, still over 18 months nearly 2 years for some of the goods i have not had my account credited, denying i have complained and refusing to deal with letters and email complaints untill i give them 7 days b4 i take action.

 

c) they expect me to pay on a disputed debt which is in dispute without the cca problems then they can go jump off a cliff somewhere.


OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Poor studio and MH didn't stand a chance with me as they came in the second round of sewer dwellers :D TS got involved and they wrote alleged account off :D


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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hi babybear39 , did studio have a signed cca from you ? and could you tell me who MH is please , as im not familiar with that one lol , thanks for your reply.

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Studio didn't have a signed CCA from anyone and I challenged the alleged account via Trading Standards as a case os misused identity.

 

MH is Mackenzie Hall, another DCA.


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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BBguns

 

The day studio come up with a CCA for any of the caggers on here then it will be a day we all drop down dead.

 

I have heard rumors that studio are doing a next that is sending out letters to customers asking they sign and return the cca thats enclosed.


OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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thank you godmother and babybear , for all the info , it seems to me that studio run a very disorganised ship , and i will take them all the way , and there so called dca's , if i was to go into a bank for a loan , they wouldnt give me any money without me signing a cca , so why does studio ? very stupid in my opinion.

 

i cant wait for the DCA to call at my door next week , cos im armed with all the advice from you all , god help him lol he will wish he hadnt called .

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according to info i was given they are registered and company that does not sell or extend credit only collects money.


OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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As has been advised previously my immediate concern would be for the security of my property, regardless of what random person decided to knock on my door claiming to be from a company My first port of call would be to take their photograph and then to call the Police...

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/208746-help-identity-mysterious-doorstep.html


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi there,

same story for me.Had loads of hassle with Studio and their entourage.

Here is my thread:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/183728-jellybabe-debt-collection-security.html

Still waiting to see what happens next.

Good luck with yours,

jellybabe

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im still waiting for a reply from studio regarding them sending me a true copy of the signed CCA , havent had any collectors at the door yet , but its still early days , so im keeping my rotty close to hand if they come and try to be awkward..lol cant wait to see his face when he see's the size of her.

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now now remember thats threatening behavoiur.

 

Also remember to have the camera and the letter. Some ppl have said a taser gun also works.


OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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the letter that we sent asking for a true copy of the signed CCA was delivered on 11/07/09 , so we are waiting for the reply now , will keep you all informed of the outcome.

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u will get a sample copy. i guarentee it.


OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Yep I got the sample copy too.. they have argued that its good enough so I am ignoring them now.

 

I'm quite lucky in that I moved house last November and no creditors have my phone number.


If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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I have in writing been told that they will only look for the real copy of my CCA in archives if the courts order them to and it is feeasable. I also have in writing that if it subsequently turns out i never signed a cca they will know it was not enforcable.

 

They dont care that i have told them i never signed a cca i know they dont have my signature on a cca but hey they have sent my debt to moorcroft who drop it as so as i mentioned court dispute and including them in the action

wescot now have it who have not been so easy to shift


OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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