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discod

Hmmm got WF CCA back

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Heya on Monday I sent the CCA letter to Welcome,today I received my pound postal order and a letter which has on it my name address etc

and looks like this

Dear......

 

Account Number-********

Current Arrears-********

Account Balance-********

 

THATS IT not even a yours sincerley,so what next for them please :rolleyes:

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Nothing...The clock is ticking, you have made the request and they have 12+2 days to respond.


The Grand essentials of happiness are: something to do, something to love, and something to hope for.

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Nothing enforceable about this, I wish my creditors would send me such rubbish.

 

wait until the deadline of 12+2 days has passed and then complain


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Nothing. They have 12 + 2 working days to produce a copy of the agreement and if they don't, they can whistle for any payment. Returning the £1 doesn't absolve them from their legal responsibilities to fulfil your request.

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you could try writing to them asking for clarification; i.e. something along the lines of "can i take it that this is confirmation that you do not have an agreement?"

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Nothing. They have 12 + 2 working days to produce a copy of the agreement and if they don't, they can whistle for any payment. Returning the £1 doesn't absolve them from their legal responsibilities to fulfil your request.

 

 

Working days or days in general,if its working days they have until the August 5th?? OK thanks guys il get back to you if i get anything xxx

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Working days :)


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Thank you xx

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Where do I go now please :)

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Cheers matey :D

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Just to let you know, do not pay them another penny as your account is officially in dispute.

 

Do not phone them, just wait and see what they come back with.

 

Probably nothing though if it was anyhthing like mine ;)


Andy...

 

 

 

 

 

 

 

 

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Ok great thanks for advise ;)

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Can anyone just clarify exactly what the 12+2 thing is?

I thought it was just 12 working days..?

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12 working days + 2 days for posting and delivery.

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Heya sent off CCA to Welcome and within the 12+2 days got this answer

scan0002.gif picture by discodolly_2008 - Photobucket

 

Obviously not the correct item I asked for so waited until the full 12+2 days were up and sent second letter and got this reply

scan0001.gif picture by discodolly_2008 - Photobucket

 

What now please :D

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You need to remove the bar code and the square box, as it identifies you, to them, not us:D

 

And the account number on the first scan.


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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Ok, firstly your account number is showing on one of the scans - you need to remove this.

 

The second letter is, I believe just something they have to send by law now, every so often so is probably not the reply you are waiting for.


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

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The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Send the imbeciles the account in dispute letter or:

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/582-possible-letter-when-a-questionable-agreementapplication-is-sent

 

If these are what you have sent them, then don't send them anything!

If they persist in attempting to collect on a disputed debt, then you need to report them to the OFT, TS, FOS, and get a copy of their own complaints procedure and wring it dry..:D

 

 

Boo;)


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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Ok ta ive removed the whole document,um so ive sent the second letter what will happen??

They have had the chance to produce CCA and times up and like ive said ive sent second letter so what next please

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Send the imbeciles the account in dispute letter or:

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/582-possible-letter-when-a-questionable-agreementapplication-is-sent

 

If these are what you have sent them, then don't send them anything!

If they persist in attempting to collect on a disputed debt, then you need to report them to the OFT, TS, FOS, and get a copy of their own complaints procedure and wring it dry..:D

 

 

Boo;)

 

 

Yup thats the one ive sent so now just sit back and wait???

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Yes, they have failed to reply with a legally enforceable document, and as such, your just reminding them of this fact.

Whilst the account is in dispute, they should not continue with any collection activity against you, this includes sending you any letters stating that you have a moral obligation to pay, or even selling it on to another DCA.

 

In either case, you must report them to the OFT, and TS, if you need the contact numbers/addresses just ask.

 

Have you been using recorded delivery?

Just make sure you keep a copy of all letters you send to them, and any that they send to you, also, keeping the envelopes they come in is also advisable, as certain letters should be sent recorded and not their default 2nd class or 'walk sort'.

 

Just sit back and wait for a reply, in the meantime have a browse through the site for other people in the same situation.

 

 

Boo;)


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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Yes have been keeping copies and sending recorded,thanks people :0)

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No worries, as long as they are in breach, then they can't continue with any legal collection activity.

 

Which begs the question can they use illegal collection activity?:rolleyes:

 

Only joking, Boo;)


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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Thats great, thanks! Lowells have until next friday to provide all the detail ive requested, after that im sending the letter that tell them to sod off!

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