Bryan Carter and Argos Debt

[lucylockett]

Hi just wondering if someone can give me some advice please. I sent a CCA request to Argos over a year ago now and they sent me a copy of the application form that I filled in. After seeking advice on here I was told that it was unenforcable. Several months later it as been sent to Moorcroft then Fredricksons both of who I sent a bemused letter to and said that the account is in dispute with Argos. The last I heard off Fredricksons was that they had put the account on hold until they had got in touch with Argos. Today I have received a letter from Bryan Carter saying that if payment is not made in full within the next 14 days they will issue legal proceeedings against me. Can anyone tell me what is the best thing to do now as I have read that these people will take you to court. Thankyou for your help.

[Ell-enn]

You need to send the affixed letter to BC and enclose a photocopy of the letter you got from Fredericksons. Make sure you send by recorded delivery so he can't say he didn't receive it.

 

Keep a copy for yourself also and check on the royalmail website a few days after posting to print off the signature receipt - keep it safe with your copy letter as you may need to prove he got it if he issues a court claim.

 

Start a file for this Argos case and keep every bit of correspondence relating to it in the file. You need to keep a sharp eye on Carter as he is a slippery sod. However, there are plenty of us on CAG who can deal with him

Letter to Carter.doc

[lucylockett]

Thanks for your quick reply and advice I will get that done today. Makes me feel better about things having this site to turn to .

[Ell-enn]

Thanks for your quick reply and advice I will get that done today. Makes me feel better about things having this site to turn to .

 

you'll certainly get plenty of support here, especially where BC is concerned.

[lucylockett]

Hi I posted the letter you suggested and Bryan Carter signed for it, havent had a reply from him. Today I received a letter from Fredricksons again saying thankyou for your recent communication however we need to discuss this matter further with you. Goes on to say call our office and the account is on hold for 10 days if I do not contact them further action may be taken. I havent sent any letter recently to Fredricksons just the one to Bryan Carter just wondered if you might be able to advise me what I should do. Thanks again for your help.

[lucylockett]

Hi can anyone help me with the above post. Thanks.

[Ell-enn]

Hi, photocopy the following:

Letter you sent to Carter (including the fredericksons copy you sent with it)

Signature receipt from royal mail to prove Carter got it.

Copy of letter you just received from Fredericksons

attach all to the following letter:

 

Dear Sirs,

 

I am in receipt of your letter dated (date) and would refer you to the enclosed correspondence. I now require you to acknowledge receipt of this in writing and that no further action will be taken until my CCA request has been actioned.

Further requests for payment will be treated as harrassment and reported to the relevant authorities.

 

My costs for dealing with this matter to date are £25.00 (time, stationery, postage etc), and I would be grateful if you could let me have payment by return.

Regards

 

XXXX

 

Encs.

 

 

Send by recorded delivery and keep a copy of it all as usual.

 

Ell

[lucylockett]

Hi I have only just got your reply as I havent been able to get on here for a couple of weeks as there as been a problem with my laptop. Since I asked for the advice I have received another letter from Fredricksons saying the following.....Despite a recent letter from Bryan Carter Solicitors you have failed to discharge your debt with our client Argos Card Services. We are prepared to offer you one final opportunity to pay before recommending to our client that they instruct solicitors to issue a claim at ( our address). At this late stage and as a gesture of goodwill we are prepared to accept a full and final settlement on this account provided that you contact us on 0845 3136614 within 48 hours of receipt of this letter. Payment can be made by debit or credit card. It was posted on the 17th August and as of today I havent heard anything more. I feel like I am going round in circles with these people so any advice would be greatly appreciated. Can I thank you for your advice above and any other advice that you can give me.

[jellybabe]

subbing with interest.

Am on the same route with Argos/Bryan carter......we have today received a FINAL NOTICE of Bryan Carter

[Ell-enn]

Send the letter I drafted in post 7 and refer to the letter you have just had from them. Send by special or recorded delivery - make sure you keep a copy of the letter - also important to print off the signed for receipt from royalmail website and staple to the letter in case you need to prove they got it.

[englishminx]

I have received a court proceeding today from BC and Argos, having heard nothing from Argos in I believe about 2 years, bit shocked a week before xmas to receive this, and although the debt isnt large, and my family have offered to help me out, its almost double with the court fee, solicitors cost and interest for 1 year they are claiming.

 

Question: Do I have to pay all the additional charges as well?

Question: If I do pay, is this the end of it, and do I avoid having a CCJ

 

Because its small I am happy to just get rid of it, but am worried as I have a much larger debt with another company, that have suddenly been writing to me the last 3 weeks (about 9 letters), and phoning both my mobile and landline, twice a day for the past 2 weeks, and I am worried that if I settle this they will think they may as well come after me as well.