Connaught - Petition for bankrupt

[ODC]

Toffee unless you took out the Citicard within the last few years the chances of Worst Credit or CONnaught turning up a properly executed and enforceable CCA is ZILCH

[ODC]

They seem to have sent a lot of these scary letters out. They of course will have to provide PROOF that you have been properly served with a Statutory Demand.

 

Along with your CCA request send them this

 

Dear Cretins

 

In your letter dated XXXX you state that you are now in a position to petition for my Bankruptcy.

 

As far as I am aware I should have been served with a Statutory Demand before you can proceed with this step. I therefore put you to strict proof that I have been properly served with a Statutory Demand.

 

Failure to do so will leave me no alternative to institute proceedings against you and report you to the OFT and TS for you flagrant breaches of the law

 

yours etc

[ODC]

You have come to the right place to get ALL the help you will need to deal with these parasites. If they cannot produce a valid CCA then they are stuffed. Even if they do produce one which is legal you can still dispute the charges with the original creditor.

 

The letter they sent you is deliberately worded to scare you into ringing their threat monkeys so as they can bully/intimidate you into paying something which you cannot afford and that they may not even be legally entitled to chase.

 

There are plenty on here who have wiped the floor with CONnaught and their pimps Worst Credit.

 

Its easy for us to say dont worry but belive me we have all been down the same road and will help you defeat the apololgies for human beings.

[ODC]

Thanks for the advice.

 

So I send this letter:

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

And await the reply -

I have also read about a £1 postal order and 14 days or 12+2 days - what is that ?

 

That letter is a SAR and should go to the Credit Card Comapany along with a tenner. The CCA request is a quid and should be sent to CONartists