Reliable Collections/naturally close - Credit Agreement advice needed

[kamwendo]

Hi All,

 

I wrote to Reliuable Collections a couple of weeks ago for a copy of my credit agreement, I have just received it today. The agreement in unsigned and my address is wrong only my name is right and it is not in my hand writing. Is this an unforceable debt then and what should I do next?

 

I also received a statement of all the charges and payment since it started in 2005, how do I work out what I should get back?

 

Thanks for anyone that helps just want to get rid of this company as they dont stop badgering.

 

Chris

[dx100uk]

take it this is a cat debt?

 

dx

[kamwendo]

Yeah it is. I have already paid over £1100 for a £600 pound debt. Apparently I still owe £1000 it has never gone down only increased, thats why I asked for a credit agreement and sent the £1.

[dx100uk]

ok moved to the cat forum

 

and the cat company is?

 

have a read of a few threads here too

 

but in general you need to note:

 

most cat cca's were never signed

 

the way they work is your first order from the cat or online IS your confirmation that you agree to be bound by the cca.

 

they send one for you to sign but most do never return it

 

so going down the lne of un-en cca is risky with cat debts.

 

have you all the staetments?

 

if not SAR the company

 

the account will be littered with £12 PENALTY charges for everythng

 

thats why the bal is never going down

 

time to get reclaiming!!

 

dx

[kamwendo]

The company was naturally close. They sent a statement with all the payments and charges on. Do I just add them all together, do I have to put interest on or anything? Is there a calculator to work it out?

 

I know the cat cca wasnt signed, its because it has the wrong address on is why I was wondering about it being unenforceable, I have been advised a lot of catelogues didnt sign people up properly.

 

Thanks for your help

[dx100uk]

CISheet v101.xls

 

have a red of a few threads in this forum

 

you'll soon get the idea.

 

dx

[kamwendo]

Thanks a lot for your help

[kamwendo]

Sorry dx

 

What do you put as the apr? I am new to all this and kind of nervous.

[havinastella]

You use the APR they were charging you.

[kamwendo]

Also wanted to check I asked them to stop putting interest on the debt but they never have can i claim this back too as i was not working for 3 yrs.

[kamwendo]

Dx the interest has changed over the yrs between 26% and 2.8% it never stays the same. Should i just use a number in between these 2?

[kamwendo]

Have been checking the other threads am I right in saying that if I took credit before april 2007 then the cca needs to be signed and have all correct info such as right address?

[havinastella]

Have been checking the other threads am I right in saying that if I took credit before april 2007 then the cca needs to be signed and have all correct info such as right address?

 

Yes, April 07!

 

x x

[havinastella]

As Dx said earlier, best bet is to SAR the company!

 

Costs £10, but will problably be the best £10 ever spent.

 

Let me know if you need a link.

 

Jogs

[dx100uk]

not on a cat account no.

 

APR:

 

take / use the APR they have most recenly quotedon statements.

 

dx

[kamwendo]

Hi all,

they sent a copy of of all the payments and charges etc with the cca

do i still need to sar,

 

also they charged me £60 for an account adjustment,

 

to set up a direct debit

 

can i reclaim that and do i reclaim the interest on the debt as i asked then to stop the interest as I wasn't working at the time

and they didnt and some months they charged £40 - £50 interest?

[dx100uk]

you cannot reclaim the interest no

 

tackle that in a sep letter.

why have they put it back after agreeing not to charge it?

 

as for the £60 DD fee -yes treat as a charge.

 

dx

[kamwendo]

They took it off first time because i couldn't afford the repayments they wanted £30 when i was not working and they wouldn't reduce it, so I missed a couple of payments. I never knew that I could pay only a £1 and that would of been ok.

 

When i asked then to take it off again they said they would have to add another account adjustment of £60. Basically I never knew my rights or the rules when paying cat debt collectors. I get the feeling these companies prey on that!

[dx100uk]

you are learning!

 

dx

[kamwendo]

Hehe yes I definately am, its just a bit scary being so unexperienced. Thats why I love this site

[kamwendo]

Hi

 

Is there a template letter to reclaim charges and interest, can only find bank ones. The charges with interest on top came to over £1100 crazy isn't it.

[dx100uk]

http://www.consumerwiki.co.uk/index.php/FAQ

[kamwendo]

Hi again,

 

Reliable Collections still haven't replied to the letter about the charges. I have received one from naturally close saying notice of transfer, your account is now being transferred to our legal advisors for the recovery of the outstanding balance. You leave us no alternative but to consider pursuing the following actions including:

County court judgment and order full payment,

warrant of baliffs,

application for attachment of earnings.

 

Need to make payment in next 7 days an appointment will be made for our solicitors to call at your home.

 

and then there telephone details.

 

Need some urgent advice

[dx100uk]

why

 

read it properly

 

all double meanings there.

 

call means - telephone

 

means you ignore them..

 

no dca nor their fake/tame soliciitor have any legal powers

 

all just clever words to make you call them

 

don't

 

so how did you get on with the SOC?

 

dx

[kamwendo]

Im still waiting to hear back about getting the charges refunded. Sent it on the 15th may.

 

If i dont hear on monday what should i do next?

 

On the solicitor issue, am i right in saying a company cant transfer the debt anyway because im in dispute with them over the charges and such.

 

Cheers for all your help dx its scary dealing with them when you dont know the ins and outs and it being the first time.