Son sacked and now has RLP

[WhiteTigger]

7 months on from my last post ..................

 

After hearing nothing from RLP since I last posted. Today my son has received a letter dated 14th March 2012 from JB Debt Recovery in Glasgow.

 

So again I am asking for some more advice on what we should do ...

 

The letter states .....

 

Our clients have instructed us to collect payment for the above outstanding claim as you have ignored all previous corresponsdence.

 

Sould we not hear from you within 7 days of receipt of this lette, then our client will have no alternative than to consider legal action.

 

A successful legal action could result in court fees and legal costs being added to the amount due plus interest. Such action could also affect your ability to obtain credit.

 

We there require the immediate settlement of this claim. All payments must be sent ot JB Debt Reovery at the above address. Contact us immediately on the telephone number 0871 ........ etc

 

This is the 1st letter he has received from JB Debt Recovery, so we haven't ignored all previous correspondence from them or in fact RLP, so that is untrue.

 

I've told my son not to do anything until I had asked you what you all think .... as you gave us such good advice last time.

 

Should I send the same letter to JD Debt Recovery as I did to RLP or not?

 

This is what I sent on 28/07/11 to RLP.

 

I deny any liability to yourselves or any company that you represent.

 

Please provide a full Breakdown and justification of the amount that you are claiming.

In the event that you do choose to litigate, please be advised that I will be requesting disclosure under the Civil Procedure Rules.

 

Do you think this is sufficent to start with?

 

Thanks in advance for all your replies and advice

[honeybee13]

Hello again.

 

I would be very surprised if this was a problem. Have you noticed the comment about considering legal action, and a couple of coulds about credit ratings?

 

My best, HB

[honeybee13]

Sidewinder just posted this on another thread on the forum, I think you might find it useful.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?342803-RLP-now-sending-Debt-collectors

 

HB

[MARTIN3030]

This is interesting.

In the early days of our reporting on here,there was an instance in which it was passed onto JB,only to be passed back soon after.

[dx100uk]

but its not a bebt

 

its a speculative invoice

 

dream on JD!!

 

ignore

 

expect the fake solicitors call too

 

dx

[MARTIN3030]

In view of the upsurge in the demands being made by JB,I have started a new thread in this forum.

[Sidewinder]

JB can threaten, demand and require whatever they like, and in the same way you can demand and require proof that such a debt exists. They could consider issuing proceedings, this could result in blah blah blah - equally I could consider taking a trip to the moon.

 

No point in sending them a letterthreatening disclosure under CPR - they can do absolutely nothing but return it to their client, so threatening disclosure under CPR will mean absolutely nothing. By all means write stating that they need to prove what they are asking for and tell them that a total is no good whatsoever - you need to see a precise breakdown of the amount and why they feel that you are liable for that.

 

Read Martin's post here http://www.consumeractiongroup.co.uk/forum/showthread.php?342967-Rlp-and-jb-debt-recovery(2-Viewing)-nbsp

[2Grumpy]

This letter says that you have 7 days & then they will recommend to their client that they should commence legal action, so you wouldn't expect any more letters from them, just a return to clients for them to start ...

 

No doubt they will write again instead. I would try the "I deny any liability to you or your clients" 2nd class but get a certificate of posting after you do receive their next letter - or just ignore if they don't have your phone number.

[WhiteTigger]

Thank you honeybee13, dx100uk, MARTIN3030, Sidewinder & 2Grumpy for your quick responses and all your advice

 

We have drafted a response just denying any liabitity to them or their clients and requesting a full and precise breakdown and justification of the amount. We are going to send it recorded delivery tomorrow.

 

As requested in MARTIN3030's other thread I will keep you updated if we recieve a response.

[WhiteTigger]

Today

- I recieved a call asking for my son, and when I said he wasn't here they asked for his mobile number.

 

I then became suspicious and when I asked who was calling they said it was a company called JBDR and they were ringing about his account.

 

The caller became very shirty with me when I asked who JBDR was and he said I was asking him to break the data protection law.

I told him if he wasn't prepared to give me the name of the company, I was not prepared to give him my son's mobile number.

 

He then asked me to get my son to ring him back and I said I would pass his number on.

He said my son had to phone him back before 5:30pm today

and when I said that would not be possible, he accused me of lying to him and shouting at him.

 

He was really aggressive to me and it was then it clicked with me that it was the debt recovery firm that my son been contacted by last month.

He then told me he would be escalating the account and put the phone down on me.

 

What do you think he meant by 'escalating the account' ? And is there anyway I can stop them ringing my house.

[andydd]

Things are certainly afoot with RLP (have a look at some other threads) and there is a court case on Thursday that may make or break RLP so maybe its related to that ?

 

Andy

[MARTIN3030]

Since you have responded to them in writing,and have not actually ignored them,you have every right to demand that all communication is carried out in writing,and that you do not wish to deal by phone.

As holders of a Consumer Credit licence,they are obliged and expected to be seen to be upholding codes of practice and guidelines.

If you have any provision to record them if they do call again,I suggest that you do so.

Keep a log of any calls,and also the numbers.

I suggest that you write to them demanding a copy of their complaints procedure,advising them that no communication will be entertained by phone,and that you will pursue this via trading standards if the calls continue.

You MUST do this ASAP.

[MARTIN3030]

Their website states this;

 

Code of Practice

 

The senior management of the company have been actively involved and contributed to the maintenance and development of A Code of Practice and maintain the company’s actions in line with the Credit Services Association

 

The CSA codes say this;

 

Members should:

 

Conduct business lawfully

Conduct dealings with debtors in a fair and reasonable manner

Maintain a high standard of business practice

Compete in a fair and reasonable manner

Ensure all staff are provided with adequate training

Not discriminate

Protect the reputation of clients

Remit monies collected regularly to clients

Not knowingly misrepresent qualifications, experience and abilities

Handle debt cases in a fair and reasonable manner

[MARTIN3030]

http://news.bbc.co.uk/1/hi/programmes/moneybox/5330712.stm

[MARTIN3030]

Ann Neville

JB Ventures Limited

176, Bath Street, Glasgow, G2 4HG

[dx100uk]

nothing

 

just another scary letter or spoofing phonecall.

 

typical MO for this lot

 

they used to do loads of RLP stuff but dropped it

when the media started questioning their unlawful tactics and threats.

 

you could fire off the phone harrassment letter

 

but thats like a chocolate teapot to them as they dont ever comply

with regs anyhow.

 

or see if your provider has number barring.

 

dx

[MARTIN3030]

they used to do loads of RLP stuff but dropped it

when the media started questioning their unlawful tactics and threats.

 

Erm ..it was The CAG If I remember rightly.....just ask Scarlett.

[WhiteTigger]

Thanks for your replies andydd, dx100uk, Martin3030.

 

Unfortunately my telephone provider doesn't offer number barring, they can only offer to change my number (which I don't really want to do if I can help it).

 

They are now ringing everyday (unfortunately I don't have caller ID so I can just ignore the calls) and it is now getting beyond a joke.

 

Is it worth sending off a phone harrassment letter or will they just ignore it and continue to harrass me to give them my son's mobile number or get my son to call them?

 

Or should I just change my number and be done with it?

[andydd]

Even if your letter doesnt achieve anything it may be worth sending as it could later be used as evidence. It certainly is strange behaviour, Id expect 'maybe' to be contacted by a claimant in a case perhaps if the timeline is urgent or they are offering to settle at the last minute, otyerwise correspondence shoukld just be in writing.

 

Andy

[MARTIN3030]

If they are calling every day then you need to get some evidence.

Maybe something to record the calls.

Keep a log of the times and dates.

You should seriously think about a complaint to the regulators.

[WhiteTigger]

Foolishly I didn't recommend to my son to write a harrassment letter to JBDR as the calls stopped for a while but they started up again a few days ago. I have now have Caller ID so we don't answer them but let them go to answerphone.

 

Tomorrow we are going to send a telephone harrassment letter by recorded delivery to them and then hopefully the calls will stop.

[dx100uk]

pers id answer the phone now and wind them up

 

have you read this:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?349332-RLP-and-the-Retailer-which-dares-not-speak-its-name-loses-their-case-in-Oxford-County-Court

 

which means most rlp cases are dead now for all intent an purpose

 

dx

[WhiteTigger]

pers id answer the phone now and wind them up

 

have you read this:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?349332-RLP-and-the-Retailer-which-dares-not-speak-its-name-loses-their-case-in-Oxford-County-Court

 

which means most rlp cases are dead now for all intent an purpose

 

dx

 

Thanks for the link dx100uk, I have read it all though I don't understand it all, it does sound like good news!

 

I wonder how it will affect the cases they have passed on to JBDR.

 

We have no sent the telephone harrassment letter to JBDR by recorded delivery so I am hoping the phone calls will stop very soon.

[WhiteTigger]

Well the phone calls have stopped

 

But we have now received another letter from JBDR today, this time though it only says

 

The balance outstanding to our client is show above

 

To contact us please telephone xxx xxx xxxx

 

Obviously due to advise we have previously received from people on here we will not be contacting them by phone, but should we contact them by letter or just ignore?

[honeybee13]

Hello there.

 

Is there anything else in the letter please, or is that it?

 

My best, HB