Carter Forbes threatening legal action help

[b8th]

Hi Guys

 

Just back for some further advice. I am currently in DMP with payplan. I have a number of payday loans they are trying to make repayment offers on, one of which is liquid advance. they are making my monthly payments on my behalf and have sent my financial statements and offers of repayments to all lenders.

 

Liquid advance appear to passed my debt to a compnay called carter forbes. i keep getting the same email from them and on their website they claim to take to court after 21 days. Please see an example of the email they sent me. i have sent to payplan and responded to this company stating we have sent offer of repayment and are making the regular monthly repayments wiating for their response. I cant see alot about this company on the forums but there were some threads stating they may actually be linked to the lenders liquid advance and cash genie. Has anyone had any dealings with these guys and if so can you advise the best way to respond?

 

your help as always is really appreciated.

 

Dear XXX

 

You have an outstanding payday loan account with Liquid Advance, ref: XXXXX

 

As of yet, no repayment arrangement has been agreed.

It is imperative that you contact us by 7pm today 31/08/2011 to make payment before your account is vetted for legal proceedings from tomorrow.

Call 0845 026 8042 to make payment via debit card or alternatively, reply to this email with the following details to make payment and we will reply with your receipt of payment:

· Long Debit Card Number

· Expiry Date

· Payment amount

· Date of next payment

Please contact by 7pm, if paid today, discounts of up to 50% may be offered.

We look forward to hearing your reply

 

 

Regards

Carter Forbes Collections

Switchboard: 0845 026 8038

Fax: 0845 026 8037

Email: [email protected]

Website: www.carterforbes.co.uk

Please be advised that any payment plan that is agreed regardless of any other communication will only be accepted upon first payment being made on the said date. Enforcement action will continue up until the first payment is made and in the event that a scheduled payment is missed, enforcement action will recommence immediately.

 

Carter Forbes Collections is a member of the Credit Services Association. The Credit Services Association (CSA) is the only National Association in the UK for companies active in relation to unpaid credit accounts, debt recovery agencies, tracing and allied professional services and has a history dating back to 1902.

 

 

The information contained in this message is for the intended addressee only and may contain confidential and/or privileged information. If you are not the intended addressee, please delete this message and notify the sender; do not copy or distribute this message or disclose its contents to anyone. Any views or opinions expressed in this message are those of the author and do not necessarily represent those of Carter Forbes Collections. No reliance may be placed on this message without written confirmation from an authorised representative of the company.

Carter Forbes Collections is a trading name of Twyford Developments Limited, Peter House, Oxford St, Manchester, M1 5AN

Registered in England. Company Registration Number: 06318376

Consumer Credit Licence Number: 0612733

[citizenB]

Have you spoken to Payplan? If so, what is their advice.

 

I think CF is probably breaching OFT guidelines in that you have a 3rd party acting on your behalf and yet they are ignoring PP.

 

IMHO, CF are just rattling their cage, if PP have sent off your I&E and a letter, then they are well aware of the situation and chances are a Judge wouldnt be very pleased at them attempting to prioritise their debt over your other creditors.

 

Speak to PP and let us know what they say before you make any hasty moves.

[Crocdoc]

This is one of the problems with DMP'S which in reality are nothing more than voluntary arrangements. For example, the creditor is under no obligation to agree or stop payment demands or indeed freeze interest. No disrespect whatsoever to Payplan, but I would be tempted to request precise information about the agreements that they have made with each creditor.

 

Once this information is provided, you can then decide if such an arrangement will solve your current financial situation.

[b8th]

Hi, htanks for your replies,

 

I do have copies of financials statements/offers made to some of the creditiors but as per your advice I have requested copies of the remainder. It is only a couple of the payday companies that have been unreasonable the other creditors have so far accepted agreements and payments are successfully being made.

 

I am just anxious about this company as I havent come accross them before

[sillygirl1]

You need to complain about the companies being unreasonable and clocking up charges to

 

http://www.tradingstandards.gov.uk

http://www.consumerdirect.gov.uk (for the Office of Fair Trading)

 

For the payday loans you only owe the original loan amount and one months interest, no matter what they might like to tell you.

[jenny24]

Do not contact carter forbes direct, get your payplan to do it. Carter forbes dont have a leg to stand on seen as your debt is not actually with them, if there is no signed contract between you and carter forbes then dont worry about it .