Freemans Debt

[mashmallow]

Hopefully someone could advise me I am having difficulties paying my catalouge at the moment I have missed two payments and now they are asking for 222.00 to bring the account up to date, they have also slapped on 42.76 interest and default fee, can I refute these charges and just pay what I owe being a credit agreement. Also the catalouge is in the name of my partners surname not my orignal name, will this make a difference if I ask for my credit agreement its under Mrs //////// \I am a Ms.

 

Many thanks for your interest

 

 

Mashmallow

 

XXX

[reallymadwoman]

I would suggest a nice letter first saying you're having difficulties and asking them if they could kindly not make it worse by adding interest and charges.

 

If they say no, then ask for the agreement.

[mashmallow]

I wrote to EOS 8th Jan asking for a true original copy of my credit agreement, just a standard letter not quoting any acts, they wrote back and said under the CCA 1974 does not comply with the requirements for such under the act and they are under no obligation to furnish me with the information. Is this correct please? can someone tell me.

 

Very much appreciated.

 

Regards,

 

Mashmallow

[andydd]

I wrote to EOS 8th Jan asking for a true original copy of my credit agreement, just a standard letter not quoting any acts, they wrote back and said under the CCA 1974 does not comply with the requirements for such under the act and they are under no obligation to furnish me with the information. Is this correct please? can someone tell me.

 

Very much appreciated.

 

Regards,

 

Mashmallow

 

Can you post the letter up removing any details, its not clear from your post exactly what their reply was.

 

Andy

[mashmallow]

Thanks Andy I will do shortly, hopefully

 

 

Mash

[mashmallow]

Andydd,

 

I have scanned the reply from EOS for your perusal, please let me know what I do from here. Kindly appreciated.

 

 

Mash

freemans reply letter.pdf

[alfwithhair]

Did you send a proper request enclosing the £1.00 fee?

I take it this a mail order catalouge account?

How old is the account and when did you last acknowlege or make any payment towards it?

[mashmallow]

I offered reduced payments in Dec and paid them £30. I did'nt do an official CCA, just a request for a signed agreement.

 

Do I resend or can I resend using the proper template?

 

Please advise.

 

Thanks for your kind response

 

Mash

[andydd]

I'd resend using the proper template from this site.

[mashmallow]

Thanks for your time, got a letter from them Friday offering a reduced amount owing they have taken £300 off the original amount and offered a payment plan? May be they have no credit agreement I will send a CCA off.

 

Thanks

 

 

Mash

 

XXXX

[Bookworm]

Of course they won't have a proper credit agreement, catalogues just don't work that way. Every time you order new goods on different terms, it's a different agreement and then there's the fact that goods are sent on approval, so effectively, they would have to send the goods, wait for the time for you to return them to pass, then send you a credit agreement for you to return, and do that every time you order new stuff! You can see what a logistical nightmare it would be, so instead they just send the goods on approval and rely on people paying up. ;-)

 

(could be different now with online ordering, I'm not sure, but certainly for goods ordered over the phone etc... No chance. ;-))

[mashmallow]

Bookworm,

 

Thanks for that, shall I still send them a CCA i also have another catalouge that I am in trouble with, I will be out of work soon and will only be able to offer a token payment just a bot worried that they will take me to court?

 

Cheers

 

Mashmallow

 

XX

[Bookworm]

well, speaking for myself, I had a Kays and a Grattan, both of which I got into rows with due to them over-charging me, reneging on agreements, levying charges for no reason etc... Since they wouldn't budge, I thought "what the hell". I CCA'd Kays, who've passed it to NDR. NDR now write to me every month, add £24 of charges to the account and tell me I really should be paying them, oooh scary, lol, Grattan I haven't CCA'd, they have passed the debt to EOS who are now adding £150 of charge every month (!) and are also sending threateningletters warning me that they may take action any time soonish if I don't start behaving. I have a thread somewhere with the content of their letter if you're bothered to look for it, but it's the usual threatogram type of letter.

 

It's really up to you, I suppose for £1, a CCA request is useful to establish to them that you won't be a pushover. Plus it's always gratifying to see them writing back to say that "uh, no, they don't actually have a contract, but this is your balance, so pay up" and hope you fall for it. ;-)

[mashmallow]

Bookworm,

 

Many thanks for your reply and your reassurance. Because it is a mail order what CCA do I use, apparently there is one for loans, credit cards etc. I don't want to look a fool and send the wrong one. Please can you guide me.

 

Many thanks

 

 

Mashmallow

 

XX

[ashmk]

Standard one

[ellioange]

Hi there

 

I have the same problem!! I am new to this site and would really value your help. Whats a CCA and where can I get a copy of the template?

[cerberusalert]

Hi there

 

I have the same problem!! I am new to this site and would really value your help. Whats a CCA and where can I get a copy of the template?

 

A CCA is a request for the consumer credit agreement and can be found here; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter If they cannot provide one or it's unenforceable they cannot take any enforcement action.

[slotdog]

what annoys me with people like eos is that they assume a creditor is correct and eos then ignore letters sent to them from the debtor. I have a counter claim against the creditor ebay. So what I told the eos md ged is that on Monday I will be in court taken action against Lloyds bank so I can file my claim against EOS so for the few pounds the want from me I will make them pay 150%, I cannot loose. Only they loose, EOS, who I consider a pest and a parasite. I also notice that their md could be looking for a job as his cv is on the internet apparently touting for a job offer put ged schiels into a search engine and you will find his cv. why not offer him a pretend job?