Regal Credit Soulutions

[42man]

Dear sir / madam...

[Rocketronnie]

Dear sir / madam...

 

Thanks again for your help i'll get that letter sent off pronto in the morning... I will update when i hear something back.

 

If they do happen to get a Warrant of Execution as they threaten in there letter, i guess i would get a letter from the court prio to anything happening so i can make my next move?

 

Edit-: Also they is two addresses on the letter

 

P.O Box 587

BAGSHOT

GU195YU

 

At the top and

 

Registered Office:

Regal House,

High Street

Bagshot,Surrey

GU19 5AA

 

at the bottom.

 

Will it matter on which address i send this to?

Edited December 5, 2012 by Rocketronnie
Adding on.

[Rocketronnie]

Ok looking through my previous correspondence again with Northumbrian Water when they first contacted me (15th August 2011) about the bill it says in bold....

 

We must advise you that we take this matter seriously and have selected your account to receive further recovery action.

 

This could involve your account being passed to a debt recovery specialist or issuing a County Court Claim with a minimum of £155.00 legal fees being added to your account. If a County Court Judgement is subsequently obtained, then this will seriously affect your ability to obtain credit in the future.

 

This letter was directly from NW i contacted them afterwards showing that i had left that address at the end of 2004 and left it at that after they agreed to it and lowered the amount owed and ofc the debt is 7 years old me known that it is statued barred left them to stew at it, but now Regal are trying to say that they already obtained a CCJ against me, is it normal for a Debt Recovery to spout lies like this?

 

Also to add the letter i was advised to send is in an envelope ready to be posted once the post office opens.

[42man]

Please make sure you report this to the OFT too...

[Rocketronnie]

Please make sure you report this to the OFT too...

 

How do i go about that?

[42man]

enquiries@oft.gsi.gov.uk

 

You will get a standard response, but if Regal attempt to do this with others then they will follow it up...

[Rocketronnie]

enquiries@oft.gsi.gov.uk

 

You will get a standard response, but if Regal attempt to do this with others then they will follow it up...

 

I sent the letter off this morning and i am hoping i hear no more from Regal about this matter.

 

What shall i put in the email? Just basically what has gone on? And forward the response letter to them?

 

Again thank's for all your help.

[Rocketronnie]

Also the letter i sent i added only the reference number amended the dates etc and where you put don't sign i typed my name.... Hope that was correct not very computer literate .

[42man]

Yes explain where you are with them, the wording of the correspondence you have received and a little history of the debt.

[Rocketronnie]

Yes explain where you are with them, the wording of the correspondence you have received and a little history of the debt.

 

Ok will get on with that tonight cheers for the help i'll update when/if i hear anything back normally seems to be around the 2 week mark with them.

[Rocketronnie]

Well my letter is still showing up as being in the system.

 

Not sure if anyone knows but I sent it to the PO Box address i was just wondering does recorded delivery work for PO Box Addresses?

[BRIGADIER2JCS]

Well my letter is still showing up as being in the system.

 

Not sure if anyone knows but I sent it to the PO Box address i was just wondering does recorded delivery work for PO Box Addresses?

Should be okbut will be part of a bulk deliver, best to use theHO address not PO.

[Rocketronnie]

Ok letter was received on there part on the 12/12/12, received a letter this morning dated 13/12/12 saying the following-:

 

Dear Sir,

 

We are in receipt of your recent complaint, either directly or otherwise, and we are sorry that you have felt in necessary to take this course of action.

 

It may be that the cause of your complaint is beyond our control, however in the event of there being an issue with our processes or training we will identify and address this matter.

 

We define a complaint as 'any expression of dissatisfaction involving an allegation of (a) actual or possible loss, (b) material distress or © material inconvenience, resulting from actions we have taken on behalf of our client and from, or on behalf of, and eligible complaint'.

 

Upon receipt of a complaint the details will be recorded on our database that is monitored for trends. If necessary we shall inform our client of the details of your complaint and the outcome.

 

If we can respond to your compliant immediately we shall do so. It may be that we need to carry out an investigation or obtain information from our client and we will write to you once this has been completed. We shall update you with our progress every 2 weeks.

 

We shall provide a Final Response within 8 weeks and will provide details of the escalation process if applicable. Once we have issued a Final Response we will not engage in ongoing communication regarding the same issues.

 

Yours faithfully,

 

Regal Credit Consultants Limited

 

Collections Department.

 

---------------------------------------------

 

I have noticed the letter head ink has changed and has been sent back to the start as each letter has changed at the bottom from collections to pre legal to legal then back to collections, also there is a new number next to my ref no beginning with a c (guessing this is a complaint number)

 

Anything in this letter that says they ain't got a clue?

 

Also i did ask them not to correspond any more with me in the previous letter.

 

Cheers x

[BRIGADIER2JCS]

Just have to wait and see I think.

[Rocketronnie]

So my guessing is they are now going to contact the company and find out when is the debt from? And if they have a CCJ outstanding (Which i know they have not).

 

I can't really make heads or tails about the complaint as i am refusing to pay it as it is statued barred.

[BRIGADIER2JCS]

Yes you are right, let's see if they hang themselves in the detail.

[42man]

If it was me in your situation I would send an email to several of the board of Directors at Northumbrian Water, they have a duty as to how their suppliers act. Send an email to [email protected] also include [email protected] and [email protected] . I have guessed at these email addresses but you will know if they are correct as they will bounce immediately back at you if they are wrong.

 

Dear Sir / Madam

 

I would like to make a formal complaint against your company with regards to the behaviour of one of your suppliers of 'services'. I understand that not only do you have to comply with certain guidelines but you will seemingly take joint responsibility for the conduct of one of your suppliers of services who have to abide by not only The Consumer Protection From Unfair Practices 2008 in line with the Office Of Fair Tradings Debt Collection guidelines, but also with their own code of conduct.

 

The company in question are Regal etc etc. who are attempting to frighten me into paying against a what they say is a county court claim that has already been made against me for an alleged debt that I am supposed to owe you from (year).

 

Firstly I have checked both my current address and my old address with the Trust Registry and have discovered that no such county court claim has been made. In any event it would seem that the alleged debt is likely to be statute barred.

 

I will continue to investigate, but if I discover that this company are attempting to state falsely that I already have a county court claim made against me when I do not, then I will take the matter further.

 

I trust this makes my position completely clear.

 

Yours faithfully

[Rocketronnie]

Just a small update recived a letter this morning date 28th December 2012-:

 

Dear Sir,

 

As you will already be aware following our initial response, we are in reciept of your letter of complaint.

 

We write to advise that the details of your complaint are currently being investigated, and we will provide our final repsonse as soon as we can.

 

Yours Faithfully,

 

REGAL CREDIT CONSULTANTS LIMITED

 

Collections Department

 

-----------------------------------------------

[42man]

Did you email the contacts at NWL ?

[Rocketronnie]

Did you email the contacts at NWL ?

 

I have not yet i will do it however after i have updated this post.

 

---------------------------------------------------------------------------------------

 

Recived a letter this morninf dated 3/1/13 saying.

 

Dear Mr, *****

 

We are in receipt of your recent complaint, the basis of which is that it is your opinion that "...the alleged debt if it were existent would be statue barred..."

 

We write to advise you as per our client's instruction, we have closed and handed your file back to them. Should they wish to continue to discuss this matter with you, you will hear from them shortly. However, any further correspondence with regards to this issue should be directed at them.

 

This is our Final Response. In event that the contents of this letter do not satisfy the issues you have raised, there is an escalation process available through the Financial Ombudsman within 6 months of receipt of this letter.

 

Yours sincerely,

for Regal Credit Consultants Limited

 

Victoria ******

 

(Hand Printed Signature)

 

Collections Researcher.

 

We would be grateful for your feedback as to how we have dealt with your complaint; this can be provided to us via the following web page:

 

http://www.regal-credit.co.uk/survey/

 

-----------------------------------------------------

 

Guessing they had no leg to stand on? And either NWL or Regal were telling a bunch of lies about a CCJ.

 

So what do you think will happen now?

[rughead121]

So I guess they are going to crawl back under their rock.

 

Congrats on winning this round

 

Brad

 

Easy as 3.14159265358979323846

[BRIGADIER2JCS]

Good result!!!!

[Rocketronnie]

Oh well hopefully i hear nothing else now

 

Thanks for all your help been really really great x