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Daniels Silverman 'appointment notice'


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Hi,

I was in dispute with an old insurance company that I used a couple of years ago, they claimed that I owed money to them for not cancelling an agreement in time when actually I put it in writing and cancelled my direct debit, they just said that they didn't get any cancellation notice so I owed them the insurance premiums for that year. I argued with them on the phone that I didn't owe them the money then heard no more about it until.....

About a month ago I got a letter from Daniels Silverman saying that I had to pay just over £200 plus over £100 of fees to them within 7 days. They must have bought the debt. I sent off the 'I dont owe the money, don't chase me because you are third party and the account is in dispute' letter and today I received an 'appointment notice' saying a local investigation agent will visit my property to 'discuss the pending legal case against you by our above named client.' I'd like to point out that they are based in Liverpool and we live a good few hundred miles away!

So what should I do now? I'm thinking a trespass/harassment letter? Any advice or templates would be ace :-)

Thanks so much xxx

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Something like this.. - http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT you might like to mention that you will be taking this dispute/complaint to the FOS as THEY WILL CHARGE the insurance company £450 to investigate your claim.....you can also ask them why £100 has been added to the alleged amount when the OFT clearly state

 

h. ignoring and/or disregarding claims that debts have been settled or are

disputed and continuing to make unjustified demands for payment

a. claiming collection costs from a debtor in the absence of express

contractual or other legal provision

d. applying unreasonable charges, for example, charges not based on actual

and necessary costs

e. applying charges which are disproportionate to the main debt.

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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I really don't know....the other option of course is if you know a friendly copper very well, you could get them to ring Daniels and ask when they will be coming round as the police would like to be in attendance...

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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  • 2 weeks later...

Thanks for update-they are full of hot air.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Usual tactics after ignoring their threatograms is to offer a settlement discount-which isnt really a discount since they have probably already added to the original figure.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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They should also be reported to Trading Standards.

Indicating legal action can be instigated or will be pursued when it cannot is a breach of OFT guidelines.

Here is their CC licence number. 3998129

 

Daniels Silverman Limited

 

Debt collecting Provision of credit information services, excluding credit repair

 

Right To Canvass Off Trade Premises:No

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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