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phatram

CO-OP OD all charges - and Loan to pay off OD...

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Deluded, utterly utterly deluded!

 

[ATTACH=CONFIG]49979[/ATTACH]

 

Remind them of their previous failed attempt.


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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2 phone calls a day from Freds and when I turned my mobile on this morning they had sent me a text message. How do they get mobile numbers?

 

And now a call to my mobile. Voicemail left which has cost me to listen, idiots

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And now a call to my mobile. Voicemail left which has cost me to listen, idiots

Some mobile phones are able to block calls.

By the way Fred's and Lowells are now part of the same evil empire.

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I think Samsung has call blocking built-in.

 

For other Android phones I recommend BlackList - I've been using it now for about 2 years (on Nexus 4 & 5 and now LG G2), and it works well. There are other apps.

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Any text messages they send you forward them to 7726 (spam on your keypad) and they are then logged as such.

 

Send Freds the harassment letter, log all their calls, attach £18 LiP rates to each one, and inform them the amount they owe you, and the rate at which you are charging them for each call your not going to answer, should they wish to continue pursuing the issue.


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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So they're taking it in turns to send you threat letters, I hope you have made another complaint to the OFT/FCA for their attempt at trying to exploit a debtors lack of knowledge.


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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FROMFREDSLBARELOWELLCOOP16APRIL2014_zpsfb04ce40.jpg

 

Am I going daft? Where is the up to date "Account in dispute" template please ? Many thanks.

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http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?405-Debt-Collection&order=desc

 

All the debt collection letters are in the link above, Phatram..


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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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have they provided your SAR yet, Phatram ?


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Yes, but of course not everything.

 

 

The letter I'm looking for is the updated version of the one in #9 of this thread, is there one?

 

 

Thanks for your help.

 

Yes, but of course not everything.

 

 

The letter I'm looking for is the updated version of the one in #9 of this thread, is there one?

 

 

Thanks for your help.

 

 

bump

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I don't know where the 'dispute' letter has gone either??

 

Had a good look but it doesn't appear to be there?

 

Anyhow, I got an exact copy of the same letter you had (16th April) gotta love Freds, filed under ignore!


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, but of course not everything.

 

 

The letter I'm looking for is the updated version of the one in #9 of this thread, is there one?

 

 

Thanks for your help.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387363-You-know-nothing-of-the-Debt-Prove-It-(Updated-21.04.2014)

 

I think you can slightly amend the one in the link above - I do not recall the letter you have in post #9 ever being one of ours ! All the new references from the Financial Conduct Authority Source book are in the one above. I would think you just really need to head it Disputed Account or Formal Complaint. IMHO, Formal complaint would be more effective, especially as they are then obliged to respond to you within 8 weeks or you can escalate to the Ombudsman.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Yes, I would edit that one too, bookmarked for future ref.. :thumb:


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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The OFT Guidance still stands and is referred to by the FCA unfair/misleading to use more than one company to pursue the same debt at the same time.

 

 

Report it.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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The OFT Guidance still stands and is referred to by the FCA unfair/misleading to use more than one company to pursue the same debt at the same time.

 

 

Report it.

 

 

Via the OFT website or post?

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The Office of Fair Trading no longer exists.. it is either Trading Standards, FOS or FCA.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Found the following on the website

 

 

The OFT is closing

 

OFT closes on 31 March 2014, and its work and responsibilities pass to a number of different bodies.

 

 

 

 

 

So who do I complain to ?

 

The Office of Fair Trading no longer exists.. it is either Trading Standards, FOS or FCA.

 

 

Thank you.

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Complain to FCA in writing,. The OFT Guidance Document 2003/2006 is quotes in the by the FCA and the content is still relevant.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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What an odd letter, if they want to bring this to a conclusion I would want it all in writing.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Definitely! Please ring us so we can attempt to threaten and intimidate you into paying money you don't owe.. Incredible.

 

Dear bill & ben,

 

The matter is now closed, if you cannot communicate with me in writing, then I will no longer correspond with you.


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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Some helpful reading maybe it will help if not sorry


If I have been of any help, please click on my star and leave a note to let me know, thank you.

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I've just realised just how long this has been running for.... FOUR YEARS!!!

 

Perfect evidence why letter tennis gets you nowhere, jeez, if they have failed to take any form of legal action against you

in all of this time, then it is pretty much safe to say, they never will


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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