Experto credite

[janb]

Hi all

 

Just after a bit of advice regarding this harassing company....the phone starts ringing as early as 8am and up to 3?4 calls a day.....have now received 2 letters today and one states an i quote

We have been monitoring your fanancial records through a credit reference agency and can see an improvement in your financial circumstances

Is this legal?

Do they know something i dont know cause i am sure i have not won the lottery

 

Thx Janb

[dx100uk]

doesn't matter

 

whats it all about please

 

dx

[janb]

hi

 

all about an old mbna account......i just dont think they should be able to harass like they do and put that in a letter!

 

Jb

[Crocdoc]

It just another one of their pathetic ploys to spark a response. IGNORE

[PGH7447]

I would be tempted to write back and ask them what financail improvement they have seen because you sure has hell havent seen any, and while your at it ask for the CRA they are supposedly monitoring so you can raise hell with them aswell

[OnMyWayOut]

Ask them if their monitoring also shows the increase in the costs of petrol, food, gas and electricity.

[Crocdoc]

Or how about

 

I am pleased to say that your observations regarding my financial status are absolutely correct, this remarkable improvement was achieved by completely ignoring people like yourself and of course my multi million pound lottery win has also made life much easier. I hasten to add that it is absolutely delightful to be able to employ a telephonist at £1000.00 per week, to ignore you on my behalf.

[Bazooka Boo]

Definitely raise a complaint with the credit agency, demand to know why these clown outfits can gain access to your credit files, when you are not attempting to obtain any credit from them?

 

Also email your local MP have them raise the issue in the commons.

[janb]

thanks 4 all the replies.........i know its wrong x

jan

[janb]

Hi all

 

Back to this fantastic site for some much needed help if poss pretty plz

 

To cut a long story short i sent a 'prove it letter' to experto regarding an old MBNA account and have received the following response but am now unsure how to respond to this and would greatly appreciate any help on further action i should take...the letter reads as follows:

 

We are happy to deal with this matter in writing, however we will retain your telephone number on our records as a legitimate form of contact should our letters remain unaswered. We note you request that you do not wish to have any home visit and have updated our records accordingly.

If you require one, we will gladly supply you with a copy of your agreement upon payment of the statutory fee of £1.00, payable under section 78 of the Consumer Credit Act 1974, as amended in 2006.

With regard to your request for the sight of 'Deed of Assignment' between MBNA and Varde Investments (Ireland) Ltd, please note there is no requirement or obligation to provide you with a copy of the Agreement that provides for the assignment of your debts.

The Agreement is a Commercial Document entered into by the above parties and relates not only to your account but also to those of multitudinous alternative.

We look forward to hearing from you.

Really dont know how to respond to this ...have they got me by the short and curlies???

Thanks in advance

Jan

[BRIGADIER2JCS]

OK get

 

Ok Get the CCA request done asap.

Restate that you will only deal with

this in writing and contact by ANY

other means will be considered harassment

and if they continue to attempt contact by

phone you will complain to the OFT regarding

their failure to comply with your wishes as to

methods of contact.

As to the deed they are correct it is a sensitive

commercial document, a court may require it

to be produced, but that does not mean you

will be told the content.

[janb]

Thanks very much Brigadier....dont know how people cope without the likes of you and this site

Jan

[BRIGADIER2JCS]

Thanks very much Brigadier....dont know how people cope without the likes of you and this site

Jan

Ta:madgrin:

[dx100uk]

two threads merged

please keep to ONE thread per debt

 

does this debt show on your CRA file?

 

dx

[BRIGADIER2JCS]

My fault DX didn't notice.

[Sidewinder]

Just to add to the advice already given - you MUST get the CCA request in otherwise I guarantee that it will quickly get sent to IND who will be very swift in issuing papers. The lack of a CCA will be the only thing that stops that. I got on the wrong end of a case identical to this and there have been a number of similar ones lately with Varde Investments buying a lot of MBNA debts, employing Experto to chase then IND to go for a CCJ and immediately bang in an AoE.

[dx100uk]

yes i think its about time our mate at IND got some attention like he got before i seem to remember?

 

your needto check oyur cra file too when your can to confirm those dates

 

dx

[Bazooka Boo]

But keep in the back of your mind, WHY has it taken them 6 months in which to reply to you, and why is it taking so long for them to take any legal action whatsoever??

[acrasherkid]

EXACTLY!! DO NOT REPLY - ALSO WHEN CALLING ALL YOU HAVE TO SAY IS SORRY I DO NOT KNOW WHO THIS IS PLEASE REMOVE MY NUMBER FROMY OUR DATABASE, THEY HAVE TO IF THEY DON'T THEY ARE BREAKING THE LAW WE WERE TOLD THIS SPECIFICALLY. THEY ALSO USE UNDERHAND TACTICS LIKE CALLING YOUR NEIGHBOURS TO SEE IF YOU ARE STILL AT THE PROPERTY......THE TRACE MANAGER WAS CALLED IAN

 

I used to work for these cowboys when I needed a job and lost my previous one. They s*it themselves if you know your in the right. Sarah is the collections manager demand ot speak to her, also if they phone the same number more than three times in a day it is classed as harassment, also they MUST accept any payment, Finally as they bulk buy debt they have a certain timeframe to collect payments before the "account" is passed back.

 

I rememeber I was useless........don't worry £1 a month will be fine

[Bazooka Boo]

Appreciate you are giving informed advice acrasherkid, but the FIRST golden rule when dealing with third party clown outfits is to NEVER ever SPEAK TO THEM OVER THE PHONE, they purely and simply use the exact same tactics that they received from their school bully and somehow believe it works on adults??

[acrasherkid]

Thats true........there system is set so that all notes are recorded, i.e. who answers, if not answered etc. I do remember them being very clear however in stating if someone states they do not who the receipient is and that they have recently gained the number then we are to delete it, which everyone did do (mainly me)

[acrasherkid]

still there a bunch of cowboys, there based in Reading and 95% would sell there grandmum for a fiver. Its all based on commission so I guess each caller will differ

[pam56]

What does IND stand for please?

[dx100uk]

its a DCA!!

 

dx