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

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Oh my!!!

 

Even too lazy to physically sign their lame response!

 

How utterly puerile and patronising of them, fools.


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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I am getting just a touch fed up with the DCAs saying they "Subscribe to the CSA's code of Practice". It is the regulations laid down by parliament and the FCA they should be subscribing to !!


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Too true! IMO this is just them continuing to exploit the debtors lack of knowledge by stating meaningless acronyms

in an attempt to give the unarmed debtor some sense that they (the DCA) has some sort of power over them.


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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3ed0752d-8f8b-4632-9f67-55e7357c23c0_zpso1ccq6bj.png

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Success, now just wait for Lowlifes to make their next move


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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Good news!

 

Lowlifes will most likely get cold feet and drop it like a stone..


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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"I am unable to uphold your complaint because we have been acting on the instructions of our client". Their "client" being Lowell Group.

 

Then at the bottom of the letter head.... Frederickson International (part of the Lowell Group).. hmm, have I missed something ?


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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Only that they continue to exploit a debtors lack of knowledge, a worthy cause for the obligatory complaint to the FCA.


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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This is the only outstanding debt issue I have now after moving house last year

and clearing all debt other than this which has become a bit of a favourite.

 

 

The other day I got a call on my mobile from a number I didn't recognise

so did a quick search and it was from Experto Crapit or similar.

I assume it's this old CO OP account.

Will keep you posted.

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Silly billys, keep a diary of events regarding their puerile calls!


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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I've blocked the number. I'm sure this will be statute barred by now anyway so I'll just play along for fun.

 

Letter just arrived with a return address of PO Box 189 Huddersfield HD8 1DY.

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Thought so.

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Text message from Experto asking me to contact them about something they are dealing with "for" me. Very strange way of putting it.

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Text message from Experto asking me to contact them about something they are dealing with "for" me. Very strange way of putting it.

 

Ah ! Bless them lol

Kindergarten must be out!


:mad2::-x:jaw::sad:

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must be 2 debts then as experto are AK = PRA group.

 

 

dx


..

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Maybe.I'll check if SB when I get time.

 

must be 2 debts then as experto are AK = PRA group.

 

 

dx

See page 1 post 4. Cheers.

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Text from LINK saying they've been trying to contact me (they have not) and could I ring them etc.

 

"Hello, its Link.

Despite our efforts to contact you by telephone, text message and letter, we have still not heard from you.

 

It is important that you contact us asap so we can discuss this matter with you.

 

Failure to respond to this message could result in further action being taken.

 

Please call us on 03330145145 to speak to a member of our team quoting reference *********

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well they are nowt to do with this debt


..

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well they are nowt to do with this debt

I have no others.

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2 letters in 2 days now, first one saying I have an account with Link 😂 and I owe them a 3 figure sum. "Original" account holder was Co-Op. Second one which arrived 24 hours later is one of their usual crappy threatening letters.

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blimey lowells sold it on to those lowlifes.

 

dx


..

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.I'll check if SB when I get time.

 

 

.

did you check?


IMO

:-):rant:

 

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so lowells have sold the debts on

 

one to link

one to PRA Group

 

both are statute barred


..

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I did and I would say it is.

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