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Co-Op Ex Northern Rock- Is this enforcable?

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Another debt collection agency has written, giving me until 2morrow.

 

In answer to a previous question (Sorry, I've read the post properely)

 

Arreas on DN £1200. Balance was £13,000. Unlawful charges and interest since account went into dispute is about £300.

 

Was going to sit tight but may write to this one saying I have accepted the unlawful termination less claim for unlawful termination and charges. Does anyone know a good letter?

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Over a year later, I am still being chased by another debt collection agent. One thing I did not put on this forum was the fact that they messed up the default notice as well.

I had a termination letter, followed by a default notice (Giving only 14 days, not 14 clear days) follwoed by another termination letter 7 days after the the default notice.

 

I had written accepting the unlawful termination of the account and I should only be liable for £102 (Not £1902) which was the amount of arrears at the time, less unlawful charges and claim for unlawfull termination.

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Now another dca westons is righting and threatening doorstep visits. In order to try and sort this, I have pulled together the letters and paperwork regarding this. I have noticed an earlier default notice and termination letter for April 2009, with only 14 days to rectify this, not 14 days service. Termination again happened on day 14. I also found a letter with it accepting the unlawful termiantion of account that I wrote. It would appear that the second default notice was sent in August, with higher amount to pay by, and again terminated within 14 days and not given the full 14 days service. Does this mean that the first default is the valid one and that is the amount that I am only liable for?

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Hi its been a while since you posted have you heard any more from the co-op?

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I had twp accounts with Co-Op. When I suffered a lose of income, both defaulted. They issued non compliant default notices only giving 14 days. Both arrived 3 days after the date on the letter.

 

I wrote to them, the usual credit agreement request but only got back application forms. Not all the t and c's therefore request still outstanding.

 

Copy of one:

 

http://i663.photobucket.com/albums/uu351/roygoodbeat/COPNORTHERNROCK.jpg

 

To cut a long story short, Lowells have purchased the debt. Having already won against another debt, I suddenly started receiving calls and texts from them today. This is a new number and I changed my number 3 months ago. Was suffering from depression and could not take any more threatening texts and calls.

 

I have never given out this number except to a few friends and it appears on my CV. How the hell did they get this and what gives them the authority to use it?

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Is this a mobile telephone they are contacting you on ? If so, did you register it with the provider ? If so, that is where your number has been obtained from !


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I did not register it with Lowells, nor did I state that my number can be passed on to third parties by 02. Lowells do not have the authority to call me.

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I did not register it with Lowells, nor did I state that my number can be passed on to third parties by 02. Lowells do not have the authority to call me.

 

Roy, the question I asked was "Did you register the phone with the PROVIDER" - the company that you purchased the phone from ?

 

Did you actually state to 02 that your telephone number could not be shared ?

 

This was also only a suggestion that they might have done this.

 

There are many ways of obtaining a telephone number nowadays. It might be worth thinking to whom you have provided this new number.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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No individual or company needs 'authority' to phone you virtually all mobile numbers are in various directories and the service provider will make listings available.


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Now 2015 and recently began with threatening letters from Lowells. Gone to their pre litigation department. Have to keep an eye on this, howver, its almost 6 years since I last aknowledged any debt or made payment. If they took me to court before and the hearing was after 6 years, is that important?

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Occasionally I have had the odd chase letter and they traced me to my new address. Now I beleave this is statue barred as I have not made a payment/ acknowledged this for over 6 years. Is it worth at this point to write to them asking them to stop writing? Will they and can they continue?

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its well statute barred

 

 

don't reply or send anything

 

 

in England and wales they can still ask for payment

you can equally ask them to go away

 

 

but id ignore

 

 

until/unless they issue court papers

and the sb defence will counter that easily


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its well statute barred

 

 

don't reply or send anything

 

 

in England and wales they can still ask for payment

you can equally ask them to go away

 

 

but id ignore

 

 

until/unless they issue court papers

and the sb defence will counter that easily

 

Is it worth sending a statue barred letter and tell them where to go?

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what part of ignore do you not understand...

 

 

keep the sb arrow for court.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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7 threads merged for history


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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