Unenforceable credit / Debt Management Plan - help please

[dx100uk]

you are REALLY paying far to much attention to a phishing letter.

 

IGNORE THEM.

 

there in NOTHING they can do to you.

 

they are NOT NOT NOT bailiffs

 

they are a DCA...they have NO LEGALS POWERS..

 

they have failed you CCA request, so have, as all the leechers do, fwded it on to he next low life leecher.

 

please IGNORE THEM.

 

dx

[Garfs]

Ok this is the letter sent from solicitors on behalf of Frederickson

 

Link removed, contained personal details

 

So would you recommend ignoring this? Sending copies of all letters sent previously or sending another type of letter?

 

Also, should i upload a copy of the other letters i previously sent to moorcroft & frederickson?

Edited November 16, 2009 by cerberusalert

[dx100uk]

ah...its the infamous bryan carter.

 

they will threaten the world is coming after you, but disappear in a puff of smoke when you start wanting a CCA out of them.

 

every letter you have got inc this one carries the typical words;:

 

if, might, maybe, could, recommend, etc etc

 

if it helps you, use the search in the blue bar above and type in bryan carter.

 

one of our fav muppets

 

dx

[Guest Old_andrew2018]

So its Bryan Carter IMHO if forum contributers were aware that this company were involved they would have doubled there efforts to reassure you that the threats are BS.

As dx suggests look up the name

[rev.ian]

Frederickson & Bryan Carter work together. If Carter does start court action we will see him off easily, he will discontinue long before you get a court date.

[Garfs]

Thank you so much - this is very re-assuring

 

as yet I have not responded to the solicitor letter

 

should I?

 

If so with what? Correspondance I have already sen to frederickson?

[rev.ian]

I think this is the one

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/575-letter-to-solicitors-threatening-legal-action-in-default-of-agreement-request-

 

Don’t sign it and send it to Carter recorded

[IainHL]

Section 78 requires us to provide you with a copy of your agreement which looks like the one you signed but which has been updated to contain the the terms and conditions which currently apply to your agreement. Importantly, the copy is not required to include your name or signature"

 

Surely this cant be right? Could anyone advise

Garfs, I have arrived here from your more recent thread, and I have to say this nearly made me fall off my chair laughing. I guess from what you say on that other thread you are some way further on with Monument now.

 

Of the various agreements of mine that I made a CCA1974 request for, I always took this long winded waffle response to mean "we haven't got it", after all it must be far easier to send a photocopy that write all that. However specifically what they said there is rubbish. The regulations do allow them to send a reconstruction of the agreement in response to a s.77-79 request, and it can omit the signature and certain other details, however it must be materially the same in all the other details, including the terms and conditions. If the terms and conditions have changed since the date of the agreement they are also required to send you a copy of those currently in force.

[Garfs]

Thank you - posted by recorded delivery today so i shall await the response & will post back here

 

Here is the letter from Carter (re-edited to remove all personal details)

 

http://img691.imageshack.us/img691/9251/solicitoredit.jpg

[rev.ian]

That letter is usual BRYAN FRANK CARTER rubbish, you don’t need to send him any “documents in support of your defence” who the hell does he think he is

[dx100uk]

third thread this week with that letter

 

totally ignore them.

 

dx

[rev.ian]

Carter trying to get some Christmas spending money in.

[Garfs]

Well since sending the reply to Carter I have been bomarded with calls and texts to both landline & mobile asking me to contact FREDERICKSON

 

to be expected?

[rev.ian]

http://www.consumerforums.com/resources/templates-library/52-harassment/135--harassment-by-telephone-response-letter-

 

send this Garfs

[Garfs]

recieved this from frederickson today

 

http://img4.imageshack.us/img4/2043/frededit.jpg

 

ignore???

 

ps telephone harrassment letter has been sent

Edited November 26, 2009 by Garfs

[rev.ian]

Ignore this letter, They may well get Carter to start court action but you will get help here to see him off, remember no cca=no debt.

If Carter starts court action you will be getting money out of him as he will discontinue and you will get costs.

[mikexlr8]

Just a question on this? Is it really game over if a creditor can't provide a CCA... or can DCA's continue to chase the debt? Thanks.

[dx100uk]

you'll get on a phishing list for sure.

 

an unenforceable CCA is just that.. its unenforceable in a court of law, doesnt mean they cant 'request' payment and it isn't some magic bullet that wipes debt out, contrary to what many claim co's say.

 

you best course of action if it IS your debt is to offer a very low F&F to close the matter.

 

garfs: Well since sending the reply to Carter I have been bomarded with calls and texts to both landline & mobile asking me to contact FREDERICKSON

 

to be expected?

 

told you to ignore it

 

now you've got a mug marker on the phishing list

 

dx

[Garfs]

Just a quick update

 

recieved a letter yesterday from frederickson confirming account is in dispute & on hold while investigated (a little late ithink considering all this started in June??)

 

but at least some progress & not had a call or text for a week

 

big thank you to all who have offered advice

 

I'll upload the letter later

[IainHL]

Hello Garfs. I hope for your sake Fredrickson's investigation is more thorough than Gothia's investigation of my dispute with the Co-op. That seemed to consist of asking the Co-op their opinion and believing everything they told them and ignoring my long and detailed letter about what the Co-op had done wrong.

[Garfs]

sorry - meant to post here :-

 

http://www.consumeractiongroup.co.uk/forum/general/232027-please-help-they-threatening-2.html

Edited January 18, 2010 by Garfs

[Garfs]

OK, i've not had any contact from any creditors since well before christmas, so thought it was all done & dusted

 

Lo & behold today i receive a letter from Credit Solutions regarding a Barclays account (which i have had letter from Barclays saying I hold no products) - so once again i am asking advice as what to do next

 

Here is 1st response from Barclays dated 3rd August 09

 

http://img687.imageshack.us/img687/9...rclaysedit.jpg

 

Here is 2nd letter from Barclays stating i hold NO products with them

 

http://img687.imageshack.us/img687/1...lays02edit.jpg

 

And here is todays letter from Credit Solutions

 

http://img697.imageshack.us/img697/2277/creditsolutionsedit.jpg

 

As yet i have not responded in any way to the above - so any advice would be greatly appreciated

[diamondgirl]

Image 3 I would remove it and rescan it after you remove the bar code, reference and amount remember that these lowlife trawl the internet sites and can identify you from the info you have left on.

It has come to light a work recently that Barclays don't seem to have many signed agreements.

Without reading back have you CCA'd them?

DG

[Garfs]

Yes I sent letter requesting signed agreement in may

 

they replied (see above) 1st acknowledging dispute then to say I hold no products with them

 

that was in September and I have had no contact with them since, until this letter today from debt collector

[IainHL]

Garfs, does the client reference in the letter from CSL match the account number that Barclaycard say they have no record of? If so I would sent them packing with a letter saying that Barclaycard have told you that you hold no products with them, enclosing a copy of that second letter from Barclaycard. That should get them handing the case back to Barclaycard sharpish!