Jump to content

  • Tweets

  • Posts

  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Letter referring to a statutory demand from Hamptons/Lowell - confused


Please note that this topic has not had any new posts for the last 3048 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Sorry, my above post was wrong. The debtor has 18 days to apply to set aside the SD and 21 days to pay it.

After 21 days, not 18, the creditor can issue a Petition.

 

Dx100uk and I have fallen out before, in the nicest possible way :-) , about his advice. He's not wrong to say he has never heard of the 21 day rule but that is the rule.

Link to post
Share on other sites
  • Replies 83
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

I drafted a letter in post # 14 which you can flesh out.

 

IF a statutory demand had been served on you, you would have 18 days from service in order to have it set aside (or action by payment). The 21 days is for if it had been mailed by "recorded" delivery the extra 3 days being for "service".

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

My concern is that if I say I have not been sent an SD who would the Courts believe?

 

 

 

They would believe you.

 

A SD has to be served personally by hand. Or by Recorded delivery.

 

They obviously have not sent it by recorded delivery else they would have had a signed receipt.

 

They have obviously not served it personally - if they say they have then they will need to provide a statement from the person who claim to have done this.

 

IMHO, you need to get a letter in the post to them tomorrow, advising that you have NEVER received a Stat Demand from them. If they continue to say they have, then they must provide proof of this and also a copy of the demand.

 

You should send it by Special Delivery and keep the receipt.

 

You should then send a complaint to the OFT with a copy of the letter from Hamptons. They are obviously using the threat of a Stat Demand/Bankruptcy as a debt collecting tool.

 

They are preying on the naivetee of the recipient to not know what to do, or how a stat demand should be served.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites
Sorry, my above post was wrong. The debtor has 18 days to apply to set aside the SD and 21 days to pay it.

After 21 days, not 18, the creditor can issue a Petition.

 

Dx100uk and I have fallen out before, in the nicest possible way :-) , about his advice. He's not wrong to say he has never heard of the 21 day rule but that is the rule.

 

:thumb::thumb::lol:

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

Hi CitizenB

 

Many thanks for your responses to my thread and your advice. This whole thing just seems so irregular I have been very confused by it, but your points are helpful and clear.

 

My concerns have been:

  • I have no SD
  • Who the courts would believe if Hamptons now petition for bankruptcy
  • What proof a company needs to evidence to show an SD has been served (if any)
  • What responses I should send to Hamptons/Lowell
  • Whether I needed to contact a court (not sure which one) to say I have had no SD in case Hamptons now petition for bankruptcy

Thanks once again

Link to post
Share on other sites
Hi CitizenB

 

Many thanks for your responses to my thread and your advice. This whole thing just seems so irregular I have been very confused by it, but your points are helpful and clear.

 

My concerns have been:

  • I have no SD
     
    If you have not been served personally or signed for a Stat demand then it is the company who will have to do the proving.. NOT you.
     
  • Who the courts would believe if Hamptons now petition for bankruptcy
     
    As already advised, they would believe you - it is for Hamptons/Lowell to prove otherwise.
     
     
  • What proof a company needs to evidence to show an SD has been served (if any)
     
    Again, as already advised in previous posts - they would have to show a signed delivery slip (a Stat demand has to be mailed by Recorded delivery) or they would require a statement from the "server" if the claim it was delivered by hand.
     
  • What responses I should send to Hamptons/Lowell
     
    I have already drafted you a letter in post # 14. Again as advised, get it in the post tomorrow. Send it special delivery ( an expense you could do without.. but necessary IMHO)
     
  • Whether I needed to contact a court (not sure which one) to say I have had no SD in case Hamptons now petition for bankruptcy

Thanks once again

 

You would need to locate the court nearest to you who deals with Bankruptcies. Not all of them do. You should ask if a stat demand has been filed with them. If so, you would like copies of it.

 

If this HAS happened, which I seriously doubt, then please let us know and we can take you through the next steps.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Post # 14 brought forward.

 

 

IMHO, this is a ruse to obtain a knee jerk reaction from you.. that you will telephone them in a panic.

 

IMHO, I would simply write a letter advising along the following lines.

 

 

Dear Sir or Madam

 

Their account references

 

I ACKNOWLEDGE NO DEBT TO YOUR COMPANY OR ANY COMPANY YOU CLAIM TO REPRESENT

 

I am in receipt of your rather strange letter dated (DATE) and received by me on (DATE).

 

I believe you have been misled, at no time have I received a Statutory Demand from you or your client.

 

I therefore request that you send me a copy in order that I may apply to have it set asidelink3.gif.

 

Please be aware, that I have also copied this letter to the Office of Fair Trading.

 

Yours faithfully

 

print your namelink3.gif OR SIGN DIGITALLY -

 

 

Do not hand write your signature.

 

 

I think you also need to send this by recorded or special delivery in order to obtain a signature of it's delivery.

 

HTH

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

As has been said above, they have to make a concerted effort to serve the stat demand by hand, any threat of a stat demand from Lowells should not be taken lightly, they do progress to petition stage......in any event they would have to show via affadavit or witness statement how they had attempted to serve by hand a stat demand, and how the personal service had failed....to which point they could send it to you by registered post / recorded delivery / granted substituted service...Do you live in a place where there is a 'shared' door, gated house ? are any of the properties next door to you empty ? have you had any problems with the post recently or in the past 6 months ?

 

In any event I think a CCA request should be sent immediately to Lowells despite not knowing who the alleged debt is for.....a SAR may also be a wise move. You are slightly fortunate in the fact that at least the petition hans't arrived, but you should take some preventative action right now if at all possible.....make sure you send the CCA request recorded delivery (to show any potential dispute - you need to accompany this with a £1 postal order) a SAR will cost £10 (again send this recorded with a postal order) I would normally say send this to the original creditor, but as you don't know who or what this is for then obviously this is a cul-de-sac.

 

If you have not received any cards through the post box with somebody attempting to make an appointment with you then you should be able to take apart their witness statement which shows how they had attempted service....the only thing is that if you are setting aside the petition then you need to set aside the demand too at the same time.....please keep us posted.

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

Link to post
Share on other sites

Hi 42man

 

I have just read your post and thank you for your views and comments regarding the problem. I would like to discuss something that I do not want to put on this forum as I am aware that other parties read these threads - may I PM you please?

 

Many thanks

Link to post
Share on other sites

Yes feel free to PM me..

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

Link to post
Share on other sites

The stat demand only goes to you at the start of the process, only and ONLY if they go to petition stage will they state that they had attempted to serve the demand and it will have a witness statement from the process server stating how he had made more than a reasonable attempt at serving it. showing days and times he/she had attempted service. A CCA request to Lowells first is a good idea....make sure you send it recorded delivery and enclose a £1 postal order - keep copies of all your correspondence...when was the last time you had a 'credit' product ? don't be too specific in your answer though...

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

Link to post
Share on other sites

Yes, :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Don't give exact figures etc, as debt companies do read posts on CAG.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Hi 42man

 

I have not had any new loans for years. My credit file is clear with nothing adverse showing on it. I was offered a credit card some time ago by my bank which I have used a little.

 

Is that what you need to know - why is this relevant please?

 

Thanks

Link to post
Share on other sites

The only reason I ask is are they trying to claim for a debt that may be statute barred ? possible cancelled mobile phone contract ?

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

Link to post
Share on other sites

I have had one of these before because of an old catalogue account,

don't worry about it, just scare tactics.

 

 

If I had a pound every time they threatened n me with 'legal action' etc I would be rich !

 

 

These companies like to think they have all these powers and they don't which is why the throw big words in to letters in an attempt to frighten people.

 

 

Send it back to them with a typed up letter stating that you do not owe such debt and if they continue to harrass you you will start legal proceedings. That is what I would do personally :)

Link to post
Share on other sites

Hotlips85 - You will see on these forums that Lowells do take statutory demands to petition stage.....Capquest are a little different...

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

Link to post
Share on other sites
I have had one of these before because of an old catalogue account, don't worry about it, just scare tactics.

 

Would you be prepared to bet all of your assets that this is just an empty threat? That is what you are asking the OP to do.

Link to post
Share on other sites

Hi

 

Thanks to everyone for all the advice so far.

 

Just to confirm that the CCA letter is done as per 42man's advice.

 

However should Hamptons/Lowells also be told in a letter similar to that posted by CitizenB in post #14 (copied below) that I have never been served with an SD. If I don't tell them and just CCA them isn't there a risk they will progress to petitioning for bankruptcy?

 

Dear Sir or Madam

 

Their account references

 

I ACKNOWLEDGE NO DEBT TO YOUR COMPANY OR ANY COMPANY YOU CLAIM TO REPRESENT

 

I am in receipt of your rather strange letter dated (DATE) and received by me on (DATE).

 

I believe you have been misled, at no time have I received a Statutory Demand from you or your client.

 

I therefore request that you send me a copy in order that I may apply to have it set asidelink3.gif.

 

Please be aware, that I have also copied this letter to the Office of Fair Trading.

 

Yours faithfully

 

print your namelink3.gif OR SIGN DIGITALLY -

 

 

Many thanks

Link to post
Share on other sites

Yes you should advise Hamptons that no SD has ever been served.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites
Yes you should advise Hamptons that no SD has ever been served.

 

Definitely let them know that you havent received one :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...