Zinc chasing old C L Finance CCJ's

[cerberusalert]

Upload it to a hosting site such as tinypic & then copy and paste the URL back here or put it into a pdf or zip file, go to 'go advanced' in the reply box and then to 'manage attachments'.

[rkitect]

Zinc Letterhead.pdf Ok, after a little messing, here it is!

[DonkeyB]

That’s the company number of Complete Credit Consultancy Ltd.

 

But they have failed to put their consumer credit licence number on there. The OFT won’t like that. As it’s a trading name, it should also have the other company’s name on there. Misleading.

 

I note they are threatening legal action. On whose behalf? Do they say they are acting for someone else? If not, have you had any Notices of Assignment?

[DonkeyB]

Because Zinc can’t take any legal action unless they own it.

[DonkeyB]

Oh dear Zinc. What a bunch of plonkers you are.

[BRIGADIER2JCS]

I can find no evidence that they are involved in debt purchase!

[DonkeyB]

If so, that letter is well out of order.

[cerberusalert]

Have you noticed that one of the directors is also a director of Apex?

[BRIGADIER2JCS]

Yes there is a smell about this company I do not like!!

[rkitect]

No, no letters of assignment for Zinc whatsoever. After sifting back through old paperwork for this debt I found a letter from CL Finance notifying my wife that they had sold the debt to Lowell Portfolio I Ltd. Funnily this was dated 09/10/2011, some 3 years 9 months after the CCJ!

[rkitect]

So what do you think I should do guys?

[dx100uk]

yes Zinc came up before recently too.

 

dx

[rkitect]

Oh, I checked her credit file by the way, the original default is due to fall of her report this month though obviously the CCJ will stay around! Just wondering whether Zinc are so keen to get something out of her all of a sudden?!

 

On a side note, I checked my file too..........I have two satisfied defaults from years ago sitting there murdering my credit score!! Grrrrrrr!!!

[dx100uk]

So what do you think I should do guys?

 

two choices

 

totally ignore all the dca's, they'll never do anything as they dont know about the CCJ's

even if they did, they are not owners of debt nor the CCJ.

 

if you need them off your cra file then get them set aside as paperwork was purposely sent to a wrong address.

 

but then you'll have the org debt to deal with.

 

dx

[DonkeyB]

As Lowell are ignorant of this, stick to the CCA route and have a giraffe at their stupidity.

[rkitect]

dx100uk,

 

But as the original debt is soon to become 'statute barred' if the CCJ's were set-aside, would this mean the DCA's would be in no position to chase here anyways?

[rkitect]

DonkeyB,

 

Thanks! So what next in the CCA route? Hahahaha

[DonkeyB]

Setting aside would not make them SB. A claim was entered.

[DonkeyB]

DonkeyB,

 

Thanks! So what next in the CCA route? Hahahaha

 

Put it into dispute!

[rkitect]

Done that already, months ago! Is it time to complain to the OFT?

[BRIGADIER2JCS]

I think a letter to their compliance manager at the Stratford office.

 

 

Dear Sir or Madam,

 

Ref: xxxxxxxxx

 

I refer to your recent correspondence regarding a debt you allege is owed by me to HSBC,

please take not I do not acknowledge any debt to you or any company you may claim to

represent.

 

I do not know of any reason why Zinc is in contact with me concerning thsi, I have no

knowledge of your company or your claimed authority to pursue the alleged debt.

 

I require you now to provide the following information within 7 days from the date on this letter.

 

1. What is the roll of Zinc in regard to this alleged debt

2. Is Zinc is assigned to collect / manage the alleged debt.

3. If this is the case who is the assignor/owner of the alleged debt.

4. Having researched the Zinc Group via the website I find that there

is no mention of a Consumer Credit Licence number as required.

5. IIf ZInc is not the owner of the alleged debt Zinc cannot pursue

the matter via the court system.

As there is grave doubt regarding the authority of for Zinc to pursue the

alleged debt and a number of breaches of the OFT Guidance on Debt Colletion

2003/2011 I will not enter in to any further correspondence until my questions

are answered.

 

Send it recorded delivery.

[dx100uk]

Oh, I checked her credit file by the way, the original default is due to fall of her report this month though obviously the CCJ will stay around! Just wondering whether Zinc are so keen to get something out of her all of a sudden?!

 

On a side note, I checked my file too..........I have two satisfied defaults from years ago sitting there murdering my credit score!! Grrrrrrr!!!

 

i would suspect as the defaults are about to drop off they want one last try.

 

defaults paid or unpaid drop off on their 6th birthday

plus the whole account they relate too

 

dx

[DonkeyB]

Lovely Brig.

[rkitect]

Cheers Brigadier, I'll try it and give you an update in due course!

[BRIGADIER2JCS]

One more thing do not get involved with them by phone, do not answer

any ''security''questions just hang up.