Arrow/? claimform - M&S Chargecard changed to Credit card

[Abby25]

Not reqd in this instance - we have all the info that can be provided - which is insufficient to support any judicial proceedings.

[maureen1]

Hi sorry ive not been back sooner my internet connection went down!

Thank you to all who have answered i have taken everything on board and have discussed with my Aunt - that she will ignore and see what happens later on down the line,the letter i have just typed up was dated 10th Sept and here's the second letter she received today -and what a lovely polite letter it is

 

We're here to help you

We write with regard to the above numbered account,as we are concerned that you have not responded to our recent attempts to contact you.

 

Being in debt or behind with your payments can be frightening and contacting your creditors can be a daunting experience.At Collect Direct we understand people's circumstances can change and finances become difficult to deal with.Therefore we always consider people's personal situation's when dealing with outstanding accounts.

 

Many of our defaulted account holders have found our empathetic approach to debt collecting a refreshing change to other more aggressive debt collecting methods.Therefore they are keen to reach an agreement to enable them to clear their outstanding debt with us.

 

We invite you to contact us,to discuss the above debt,to attempt to move forward and reach an amicable agreement which is manageable by you and acceptable to our client.

 

Although we cannot promise to accept your offer of payment,we do promise we will listen and consider your proposals,before reaching our decision.

 

 

Once again thank you to all who have assisted Maureen

[Bazooka Boo]

What a load of old cobblers....I've never read such drivel.

 

And right at the very end of their empathetic willingness to help missive, they show their true colours with the default setting "we cannot promise to accept your offer" meaning we will refuse all offers you make, and we will tell you what we demand you to pay us.

 

Another one for the ignore pile.

[maureen1]

hi all.back with another letter any advice please.?

 

URGENT NOTICE COLLECT DIRECT (UK)

 

We are advised that you are currently resident at the above address

 

A course of action open to our client would be to issue court proceedings for recovery of this debt, which could result in further costs be adding to the balance. If a judgment or decree, is awarded against you, this will be registered as public information for a period of 6 years and may affect your ability to obtain a future credit.

 

FAILURE TO MAKE A PAYMENT BY RETURN COULD RESULT IN :

COLLECT DIRECT RECOMMENDING LEGAL ACTION IN THE COURT

A COURT OFFICIAL VISITING 7YOUR HOME ( following a successful application being granted by the court)

an attachment of earnings/ earnings arrestment order ( following a successful application being granted by the court your employer would be giving details by the court and ordered to deduct to payment from your salary)

 

IMPORTANT WHAT TO DO TO AVOID FURTHER ACTION WITHIN 7 DAYS OF THE DATE OF THIS NOTICE YOU SHOULD make a immediate payment to collect co.uk,

 

this letter was typed in red ink,

 

any help thanks.

[Bazooka Boo]

Are they unaware it is very rude to write in red ink??

 

That letter is hilarious, that's the second one I've seen today where they spout untruths and idle threats of what they would like to do, but have absolutely no legal powers or knowledge to do any such thing!

 

A "Court official" eh! I wonder if they actually know what they are talking about claiming you might be visited by one? Perhaps it's for Jury service??

 

Send a copy of that letter to the OFT&TS via http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

[maureen1]

Thank you Bb that's why i never copied it in red (not really didn't know i could change font colour ) So is this just another letter to ignore then?

Are they unaware it is very rude to write in red ink??

 

That letter is hilarious, that's the second one I've seen today where they spout untruths and idle threats of what they would like to do, but have absolutely no legal powers or knowledge to do any such thing!

 

A "Court official" eh! I wonder if they actually know what they are talking about claiming you might be visited by one? Perhaps it's for Jury service??

 

Send a copy of that letter to the OFT&TS via http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

[Bazooka Boo]

Seems they are a trading name of "Improved financial solution Ltd"??? Do they ring any bells??

Their website leaves alot to be desired!

http://www.collectd.co.uk/

 

Yes ignore, just forward a copy of that joke to the OFT.

[Happyhippy1959]

ha ha ha ha ,,,, those plonkers, write back with a Big HA HA HA it's not April fools day yet.

 

Seriously though, I would write back and say,,, see you in court then buddy hope your ready to meet my costs.. God what's this public domain rubbish,, my credit file is in the public domain,,, makes Greece look like a viable option Jokers Boo Jokers...

 

I think DCA's have now started a competition as to who can word the scariest letter without breaking the rules...

 

Here's what I would recommend to a ethical DCA

 

Dear Maureen

 

I am disappointed to see you have failed to pay any of your hard earned money on this hopeless case before me. Please note, I am a graduate financial student with the IQ of a rubber duck and my Merc is nearly 12 months old and I need another for my status as my girlfriend search has still not produced a suitable partner for me...

 

As you know,,, We cannot take you to court, only recommend to our client !!!!!! also as you know we would need an origianl CCA if this was 2007 or prior.... Also you will know I have to make these threats or my line manager will replace me with a chimpanzee from the local zoo who actually will get paid better than me with a crate of Bananas.

 

Also, please note, we don't like taking people to court because those nasty judges make them pay only what they can afford. And of course, if you are given a CCJ and keep up the payments there is nothing we can do,, Can't even send in the Bailiffs etc...

 

So please Maureen give us you money and by the way how about a drink on Friday !!!!!

 

phah,,,, idiots Boo idiots.

[maureen1]

Ha ha Thank you Hh made me chuckle you're letter did it does some it up what they should of wrote

[Happyhippy1959]

Glad to have chirped you up Maureen.. Just keep that in mind when dealing with these low life's. As I said, have been dealing with 17 off them for three years now,, I get rather disappointed now as they are just big pussy cats who roll over and let there tummies be tickled once they know you are on here.

 

No phone calls ( I tell a lie had one from Marlins the other day, my lovely ex must have given them the number as the phone is in my friends name it's his contract. As the debt was joint it must of been her. So hence the telephone call,,, Hello can I speak to Mr Hippy, as my mate is a Philippine nurse I decided to put on the accent and struggle with me English... ca,, whoes is da that no goodey the English,,, oh is that Mr Hippy,,, excuseeeee I know a no Mr tippy !!!! oh this is the number we have,,, nah a noo tippy here this is da Mr ???? youll a chekie me O2 I know a nothing and da not ring again mee at a workie....

 

That put paid to those bad boys. I use to have so much fun when I had me old phone haaaa,, they would ring and I would answer with different people,,, hello this is Abraham here,, I am a bit busy at the moment as the Lord God as commanded me to circumcise my first born and as you know he is a very very vengeful God,,, ugh from the other end,,,, then I would lay into them with the do you believe in God and why not... phone straight down... Pick a different character each time,,, its great,,, The devil is me favourite can work that bad boy really well... and as you know Bazooka Boo does great letters really I get hardly any mail now.... and as for there reviews its just a three lined INCOME, OUTGOINGS AND THEN TOTAL then what I am going to pay them and at the end a little legal thing saying this is a true statement of my household accounts. Detailed accounts on file for court purposes... No bother at all now.

 

So Maureen,,, go and have some fun with those muppets as Boo would say,,, use the purile missives for scrap paper once you have scanned them... ( simples ) OMG I wish I was a woman,,, I could have so much fun on the phone with those bad-boys heeeee

 

Maureen, on a serious note,,,, ( no not a Friday drink ) heee,,, My Marks and Sparks card is still being administered by them,, No DCA which is strange after three years. I would just tell all DCA's No deal I owe you not a jot,,, then let it go back to M&S and they will jump at your token payments if you want to offer that. And a full and final. I have had offers from MS for full and finals 60% off, but unfortunately I have not had the money now that tells its own story does it not.

Edited September 29, 2011 by Happyhippy1959

[maureen1]

hi all back for a bit more advice for my aunt.

 

Have heard nothing at all since i last wrote on here until today my aunt has received a letter from Red castle recoveries basically saying your over due account has been referred to us by M&S Money .Your account remains unpaid.FULL payment is required IMMEDIATELY.

*ACT NOW TO AVOID THE NEED FOR COURT ACTION*

*IF NO PAYMENT IS RECEIVED*

an application may be made to the court for a county court judgment.

Enforcement by way of an attachment of earnings(if a judgment is obtained)

Please call GOTHIA'S payment department on 08442480256 to pay by debit /credit card

 

Any help please oh and they are back to telephoning my aunt on house phone 5 times today

 

Thank you in advance Maureen

[BRIGADIER2JCS]

Hi Maureen has there been any notice of assignment to inform

your Aunt that Redcastle are now dealing with the account.?

[maureen1]

Hi Brigadier2jcs i have just telephoned and asked my aunt and she said no this is the first letter off them and the letter say's "your overdue account has been referred to us by M& S Money"

 

Thankyou Maureen

[Bazooka Boo]

Complaints are a definite, OFT&TS via http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948 Misleading and attempting to exploit the debtors lack of knowledge by using TWO debt collection names 'Red Castle' and 'Gothia', both the same I know, both equally as inept and puerile as their ridiculous circus names.

 

Actually red castle is the collecting arm of gothsRus...

Fire off the telephone harassment letter to them, keep a diary of events regarding their misuse of the communications network to commit the criminal offence of harassment, Ofcom might like to hear of your complaint also.

[maureen1]

Thank you BB for your input i'll sort out a letter and report them also

 

 

Maureen

[Bazooka Boo]

I did ring them up, and I think I got through to India?? Either way, they answer in the name of Red Castle, I said I wanted to speak to Gothia, she said they are the same, I replied that it was extremely misleading and very childish.....she laughed...I hung up..

[maureen1]

I did ring them up, and I think I got through to India?? Either way, they answer in the name of Red Castle, I said I wanted to speak to Gothia, she said they are the same, I replied that it was extremely misleading and very childish.....she laughed...I hung up..

 

Ha ha!!! made my stressful morning a lot happier when i read that BB

[Abby25]

Just a heads up on my own Maureen ... today recd a letter saying that my account had been sold to a DCA. Although they are that incompetent, its my account no with someone else's name .. couldn't make it up could you !!!!

[Abby25]

Also sorry I haven't caught up with the thread for a while. Ignore all the threats of court, etc, etc, etc - we know the CCA is duff on a number of issues. I doubt by now, it will ever get before a court - and even if it did, you would have it struck out for the reasons we have already discussed (inc a duff DN). So fret not ... the fact they have now sold mine on should tell you all you need to know !! Abs xxx

[maureen1]

Hi Abby thank you for your reply . My Aunt has received this letter this morning off Gothia (i had wrote to them saying this account was in serious default and should be passed back to M&S Money)

 

Dear........,

I can confirm we have undertaken an investigation into the issues raised in the above referenced correspondence and have concluded that your complaint has been refuted.The reasons for this are detailed below.

 

Gothia Ltd acts in good faith on the information and instructions issued to us by our clients.We are passed this information on the basis that the information provided is true and correct at the time of issue.We were,at no time,advised by our client of any ongoing disputes or unresolved complaint issues...In this instance,we were passed an account in your name with instructions to pursue for the full balance accordingly.

 

I have asked that our client furnishes you with any available documentation.A cessation of collection activity shall remain until we have received confirmation that this has been issued.

 

I have enclosed herewith a copy of our internal complaints procedure,together with a leaflet from the Financial Ombudsman Service,should you wish to take this matter further.

 

 

I'm guessing i should just wait and see what happens next,?

 

Thank you Maureen

[Abby25]

Hi, Well they will refute your claims, as it means from their point of view its out of dispute and they can argue that they are able to leally pursue the debt - which of course they can't as the dispute has not been settled, as M&S have not provided a legally enforceable CCA. And it will neve be out of dispute until they do ... end of ... Abs

[maureen1]

hi all just to keep everyone up to date here's a letter received Friday...

 

dear........

Despite our clients efforts to resolve this matter with you it still remains outstanding.

 

I have now been authorised by red castle recoveries to undertake a review of your case with the view of passing it to our solicitors for immediate action.My recommendation to them would be a County court judgement.

 

Alternatively an agent will contact you to arrange a convenient date and time to visit you at your home to discuss a suitable repayment arrangement.

 

May i remind you that if legal action is commenced it could incur further costs to your account and may well have an adverse affect on your credit rating and future applications for credit.

 

in a final attempt to prevent further action you must call this number immediately on 08445764540.

 

THIS LETTER WAS FROM RESOLUTION LEGAL SERVICES

 

Any advice what to write back to these people please

 

thank you Maureen

[intend]

Serious letter of complaint required - addressed to the Compliance Manager. The account remains in dispute so tell them in plain simple but strong terms.

 

Also tell them they have no rights to visit you and that yoy refuse them permission to enter your property. Plenty of post on here about doorsteppers - lowest of low on commission only. Easliy dispatched but may be an issue for your Aunt.

 

Intend

[Abby25]

Hi M,

 

Still having a go are they ...

 

I have pulled up an old letter of mine, have removed all personal info, there are xxxx for you to put in what you want, and also just personalise or amend to your hearts content.

 

Remember this is all bluff - they have nothing for court and would have got there by now if they thought they did.

 

Hope this helps

 

Abs x

M&S draft letter pdf.pdf

Edited March 11, 2012 by Abby25

[maureen1]

Thanks for the reply's ive typed the letter up and popped it in the post so fingers crossed