Credit Resource Solutions - Advise please

[nervous_wreak]

Hi all,

 

This is a strange one, I had given an SAR to Credit Resource Solution on last week and on Monday at my parents house they had recieved a letter which is shown below on this thread. My parents are now getting voice text messages and in approx 48 hours they will recieve a visit. However they did have the right address, and I put the right address on the letter I had sent them. I'm going to send them the do not visit template, but is there anything else I could add to it. I can't see why they sent a letter to my parent house, I used to live there, but it has been over 3 years now since moving to the new place

 

Here is the letter they sent:

 

Please could someone offer any advice

[themagician]

Hi all,

 

This is a strange one, I had given an SAR to Credit Resource Solution on last week and on Monday at my parents house they had recieved a letter which is shown below on this thread. My parents are now getting voice text messages and in approx 48 hours they will recieve a visit. However they did have the right address, and I put the right address on the letter I had sent them. I'm going to send them the do not visit template, but is there anything else I could add to it. I can't see why they sent a letter to my parent house, I used to live there, but it has been over 3 years now since moving to the new place

 

Here is the letter they sent:

 

Please could someone offer any advice

your sar should have gone to the original creditor not the dca collecting it!

cannot read your letter its too small,

i would think the only person calling at your door will be the old git in a red coat bearing gifts on dec 25th,

there is a door step template in the caggers library send them that,recorded delivery do not sign it print your name only.

chin up its nearly xmas, keep posting on here when you receive any other contact ,cheers.

have you already posted this on another thread?? if not any more info available please .

[nervous_wreak]

Hi there,

 

Sorry I meant I sent them a CCA request not an SAR request, sorry about that. Yup that is what I was going to send them. The only strange thing I thought, is that they sent the letter to an old address when the CCA request had my new address

[dx100uk]

looks like a phishing letter to me.

 

how old is this debt?

 

i'd be inclined to not send anything, but obv you need to get them off your parents case.

 

give us some history please

 

dx

[themagician]

Hi there,

 

Sorry I meant I sent them a CCA request not an SAR request, sorry about that. Yup that is what I was going to send them. The only strange thing I thought, is that they sent the letter to an old address when the CCA request had my new address

is the 12+ 2 days up yet for a reply,if so you must then send them the acc in despute template from caggers library,also i would attach a letter stating that you no longer live with your parents a you have provided the new address to them and if any more correspondance is sent to that address it will be deemed as harassmemt,also if any legal action taken is listed or any reference is made to your parents address via a credit reference agency legal action will be taken against both dca and oc.

[themagician]

looks like a phishing letter to me.

 

how old is this debt?

 

i'd be inclined to not send anything, but obv you need to get them off your parents case.

 

give us some history please

 

dx

shes already sent them a cca request!

[nervous_wreak]

Hi there

 

Thanks for the information, it is a debt, I used to pay the main bank, but fell on hard times, and it been I think 2 years or going to be 2 years since I haven't paided them, as they passed it to debt collectors, who I did CCA request, but none have come back. This is the only strange one now.

 

The time period for the CCA request is not expired, should i wait until then, or just send the doorstep template recorded delivery, just so they can stop phoning via voicetext (which is annoying) to my parent house

[palomino]

Were you living with your parents when the [purported] agreement was taken out?

Is the address to which they sent the agreement the address on the agreement?

[nervous_wreak]

Hi there

 

Were you living with your parents when the [purported] agreement was taken out?

Is the address to which they sent the agreement the address on the agreement?

 

Ahhh yes of course, this will be the case. I haven't recieved the agreement by these people but yes this is the case. That will make sense

 

Actually one other strange thing on the letter is that they didn't put down the house number, it was just addressed to the street, its lucky the post man knows my parent so it gave it to us

[nervous_wreak]

Hi there,

 

Well 12+2 days have just passed today, but I recieved an letter yesterday, please could someone see the following letter and advise. I always thoughts that they needed to send you the agreement at a specific time, but can they send a letter then send the agreement within a timeframe of there choosing.

 

The letter is here:

[nervous_wreak]

Hi

 

Sorry to bump this thread, but please could I have any advise from any kind folks over there. I know due to Christmas I can't do anything, like send out another letter, but any advise would greatly be appreciated

 

If bumping a thread is not allowed in this forum, then I do apologise, sorry for that

 

Kind Regards

[Seminole]

After the 12+ 2 days you can place the account in dispute (use the template letter in this site's Library). You can so stop any payments if you so wish.

 

They can't change the statutory requirement but the debt is effectively unenforceable until they produce a copy.

 

The letter says that you didn't send the £1 fee, Did you?

[nervous_wreak]

Hi there,

 

Yes I did sent the £1 fee via postal order, and it was recorded delivery which they recieved, it didn't drop out, so not sure why they mentioned that

 

Many thanks

[citizenB]

You can telephone the post office on the following number :

01246 542091. They will advise if the postal order has been cashed or not. If it has, then ask them to confirm in writing for you. They are very helpful and will do this immediately. You will need the receipt the Post office gave you in respect of the purchase of the postal order with the id number on it.

 

As the DCA have said they will put the account on hold until such times as the CCA is produced, then I dont think you need to do anything at this stage. Responding to every letter that is sent to you, is counterproductive.

[nervous_wreak]

Hi there

 

Well I recieve a letter from them today, they didn't come back from 12+2 but looks like within the 30 days after that. The letter had a photocopy of the agreement from the bank. It looks like the bank had faxed it over to them, 6 pages showing my signature. But I'm a disappointed that they now continuing to call my mum house again saying we are going to come to the door, even through I had sent a letter before saying no doorstep.

 

I am working out this weekend, how much I can give to them to pay off this debt, is there a template for this? I tried looking into the template library but couldn't find any, and i think i need to send out the doorstop letter again

 

If anyone has any advise it would be most grateful

 

Kind Regards

[Huff&Puff]

Post what they sent you here, with your details removed. Many of the so-called "agreements" are totally unenforceable.

[dx100uk]

you keep dangling a carrot by writing letters, they will keep pulling your string.

 

they will not visit and even if they do they can do NOTHING

 

they are a DCA

 

they have NO LEGAL POWERS

 

they have as much right to collects debts as the postman.

 

they are NOT bailiffs it has not been to court.

 

doesn't live here

goodbye put the phonedown.

 

dx

[nervous_wreak]

Hi there

 

I hve managed to scan the images and upload them, here they are

 

 

Please could someone check them and check the agreement please, I have removed any personal details

 

Many thanks for your help

[nervous_wreak]

Hi there, Apologises for bumping this thread, but could someone please check the scans. This company is still leaving voicetext on my parent house which I am going to send the doorstep letter, as that is what the voicetext is saying

[citizenB]

Hi,

 

I know little about fixed sum loans.. so cannot comment on the agreement. When was it taken out ?

 

As for posting stuff to your parents home and also phoning and leaving messages on their voice mail.. you need to send two letters as follows.

 

 

First one from you.

 

 

Dear Creditor

 

Account Number

 

I notice you are still mailing post to my parent's home, an address I have not lived at since DATE YOU MOVED OUT.

 

You are also causing great stress by continually leaving voice mail messages on their private phone. This is against OFT Guidlelines and in breach of the Data Protection Act 1998.

 

You were informed of my change of address on WHENEVER YOU LET THEM KNOW. Therefore if you are continuing to report or trade my previoius address details with third parties you are again in breach of the Data Protection Act.

 

I must insist you now stop using the telephone number you hold on your records and amend my address details as previously advised.

 

Yours etc,

 

 

Then I would suggest you have your parents write to them

 

Dear Sirs,

 

YOUR NAME

 

You have been leaving voice mail messages on our private line in respect of our son/daughters business / financial relationship with yourselves.

 

We have been assured that you have been advised that our son/daughter no longer lives at this address.

 

As we are NOT a messaging service, then you should refrain from leaving messages on our voice mail/answering machine.

 

If you continue to leave messages with threats of collectors visiting our home then we will be forced to contact the regulatory authorities.

 

Yours etc,

 

YOUR PARENTS SHOULD NOT SIGN

HTH

[nrasool]

Hi there

 

Please post when you got more information on when they called through

[citizenB]

July 2007 comes under the new regulations so you are going to have to look at other ways of sorting this out.

 

Is there any Payment Protection Insurance on the loan ?

 

Are there any charges in respect of late payment ?

[nervous_wreak]

Hi there

 

Thankyou for that information, I will try to setup a repayment plan with them, just need to get a template for it, I had a look around the library, but there does not seem to be any. There does not seem to be any late payment charges

[nervous_wreak]

Hi CitzenB

 

Please could you provide more details on

 

July 2007 comes under the new regulations so you are going to have to look at other ways of sorting this out.

Do you have a suggestion on what to do? I still working how much I could afford to pay out as a repayment for this loan, the loan is above 8 grand, so I cannot pay this off all in 1 go

[citizenB]

 

http://www.nationaldebtline.co.uk/en...ingout_pbs.pdf

 

If you scroll down to page 4 it give ideas of what reasonable spends are.

 

There is a budget planner in the link above, it will help you work out how much monies you have to be able to pay creditors.

 

Here is a suggested letter if it is your intention to ask for a reduced payment plan.

 

Dear Sirs,

 

ACCOUNT NO:

 

I find myself in a situation where I unable to fulfill my obligation to you.

 

I am requesting that you accept a token payment of £ XX.XX for a period of 12 months in order for me to resolve my financial situation.

 

I am including a copy of my Income and Expenditure for your attention.

 

I would also request that you freeze interest payments for that period of time. I see no reason to even offer a token sum in order for the balance outstanding to increase by way of interest and default charges.

 

I have contacted all my other creditors and advised them of the situtation.

 

To show my commitment to a repayment plan, I enclose a cheque/postal order in the sum of £XX . I would request you send me a paying in book or details of an account into which I can pay by standing order for future payments.

 

Yours sincerely.

 

National Debtline may have something that is more suitable if you want to check their site out.

 

 

 

As your agreement was taken out after July 2007, it is kind of assumed that it is correct in every way.

 

Unless you can find something that could be considered and "unfair term" then unless someone suggests otherwise I would imagine that it conforms to the regulations.