Colemans cct -PRE - ACTION PROTOCOL letter received.

[Killie0909]

Hey there

 

I'm new to all this, so I hope this is in the right forum.

 

My wife received a letter today from Colemans ctts regarding an unpaid credit card she had from Vanquis.

 

It States that it is a LETTER BEFORE CLAIM, PRE - ACTION PROTOCOL, CIVIL PROCEDURES RULES - PRACTICE DIRECTION.

 

It also references in the letter IN ACCORDANCE WITH THE PRACTICE DIRECTION - PRE-ACTION CONDUCT.

 

Does this mean she is being taken to court?

 

Also she tells me she applied for the card, was refused and then was sent it through the post.

 

Could this be possible?

 

If so she wont have signed a contract,

 

Is this debt enforcable?

 

Any help would be great

[Jam_Buttie]

They like to use lots of scarey words to frighten you into paying..

[Bazooka Boo]

Is it full of 'MAY' 'IF' 'COULD'?

 

Check her credit file asap.

 

When did she apply for this and how?

 

Can you scan and post up the missive from Colemans, but PLEASE ensure you remove all Identifiers, address, bar code, funny squiggles and boxes.

 

What is the amount?

[Killie0909]

She applied sept 2009 over the phone,

was rejected then received it through the post.

 

The limit was originally £100 but now she owes 434.85.

 

There is no MAY, IF, COULD in the letter.

 

Wont be able to scan the letter till sat, as have no scaaner and would have to use the librarys.

 

I also found an old letter she hid fom 1st credit which offered a discount of 50%.

 

I never knew about all this and it just seems odd!

Edited September 6, 2012 by Killie0909
ommision of infomation

[dx100uk]

DCA's dont issue discounts and then goto court.

 

prob mstly chargs

PPI

or

no paperwork.

 

and the letter does not say WILL.

read it properly,

 

use a mobile phone/digital camera if no scanner

 

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

or

convert existing PC files to PDF [office has an installable print to PDF option]

.

'

BUT......

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

dx

[Killie0909]

Tried again

Full page photo print.pdf

[BRIGADIER2JCS]

I take the ''rejection'' was verbal and there is no evidence of this?

From what I can see the letter is their normal stance no messing straight to an LBA.

[dx100uk]

it says instructed

 

std threat-o-gram word. = if, might, could, etc etc.

 

has she got lots of £12 PENALTY charges

or

PPI

 

to reclaim

 

there a reason for the discount

 

find it.

 

time to SAR them if you've not go all the statements.

 

dx

[Killie0909]

Thanks for info, Going to SAR them me thinks. Yes the rejection was verbal and then out the blue the card was received. I never knew about this and have no issue in paying back what was owed but 434 pounds is a bit excessive

[BRIGADIER2JCS]

Agreed the SAR is best address it to the Data Controller at Vanquis to keep it out of the customer (dis) service department.

[dx100uk]

and just remember never ever talk on the phone to them!!

 

they nor no dca have ANY legal powers they are NOT bailiffs.

 

dx

[zydeco]

I've got one of those. Identical. There is nothing in it that says what they are going to do. They avoid all the may, might could, etc but don't say anything.

 

next letter is "IMPORTANT NOTICE" in which they do start with the may, might etc.

 

Next after that is "URGENT, FINAL DEMAND" in which they say, "we are disappointed to note that you have ignored our previous requests for payment" and " our client will consider commencing legal action within 7 days of the date of this letter" (their bold)

got the last one 2 months ago, still waiting...

In my case I put the alleged debt in dispute months ago and it just keeps going around.

[Jam_Buttie]

I had an IMPORTANT NOTICE from some two bit DCA a while ago, so my return letter was headed MORE IMPORTANT THAN YOUR NOTICE

 

I've yet to hear back from them..

[dx100uk]

should that not be>....

MORE IMPORTANT THAN YOUR NOTICE - NOTICE

[Bazooka Boo]

Oh and a copy of that puerile pathetic missive needs to be sent to the OFT&TS, using legal mumbo jumbo in order to intimidate and con am alleged debtor is a no no.

 

Perfect letter that should be ignored, especially as they have already offered a 50% discount! If you really did owe this money, then the OC would fight tooth and nail for the full amount, besides the DCA can't take you to court..

[Jam_Buttie]

Are Colemans CTTS a DCA or a propper Solicitor?

[dx100uk]

dca fake

 

dx