Argos Card debt - from lowell to scotcall

[Guest]

and their reply to my email is

 

As part of the credit agreement that you signed and entered into, you agreed to repay the full outstanding balance and that where necessary, the creditor could recover the debt by outsourcing the debt to a third party, which included by way of doorstep collection.

Therefore the license you state that has been revoked is irrelevant, which for the avoidance of doubt we do not agree to, is not binding on us as it does not fulfill the relevant principles of contract law.

We are entitled by law and under contract to recover monies outstanding and we are allowed to take reasonable steps in accordance with regulatory guidance to recover such monies.

Please advise how you will proceed with payment

[Guest]

I will send the cca request off and just ignore this email reply?

[padja]

you have removed the right of access they now step foot on your property its trespass, call the police and get them arrested, ignore the reply, I suspect they stuck out a mardy lip and stamped their foot when they read your reply. I had similar reply from scotcall a few years ago when I sent the bog off letter and they did turn up so I rang the police they were escorted off the premises by police, (and told to go away by them too) and the funny thing is the copper asked me for a copy of the letter to read so printed her one off, she said "you never know when you might need one eh?" Scotcall never contacted me again

[Guest]

Thanks for that padja

[BRIGADIER2JCS]

and their reply to my email is

 

As part of the credit agreement that you signed and entered into, you agreed to repay the full outstanding balance and that where necessary, the creditor could recover the debt by outsourcing the debt to a third party, which included by way of doorstep collection.

Therefore the license you state that has been revoked is irrelevant, which for the avoidance of doubt we do not agree to, is not binding on us as it does not fulfill the relevant principles of contract law.

We are entitled by law and under contract to recover monies outstanding and we are allowed to take reasonable steps in accordance with regulatory guidance to recover such monies.

Please advise how you will proceed with payment

 

I wonder who gave snotcall this stupid idea, it is a meritless statement as you are in now way obliged to discuss personal financial matters with an itinerant oik who turn up on the doorstep!

[Bazooka Boo]

Send that foolish email from Snotcrawl to the OFT and TS, these clowns are hilarious, typical incompetent bully boy attitude, always wanting the last word.

 

If it were me on the receiving end of such an immature email, I'd be inclined to respond with,

 

Dear Bill&Ben,

 

Thank you for your email which I received on dd/mm/yyyy the content of which has been noted.

 

For the avoidance of doubt on your part, and to make it crystal clear so you may understand, your email claiming that the 'license' I quoted, is irrelevant, has raised some eyebrows when I produced it to a Police Officer at my local station. They are now aware of your interpretation of Law, and have advised me to ring them should you still feel it necessary to send your employee to my property.

 

The OFT and Trading Standards have also received a copy of your email, and I have no doubt they will be in contact, and will certainly question your fitness to hold a consumer credit licence.

 

If there is anything you fail to understand, please seek immediate legal advice, your permission and rights of access to my property ARE revoked whether you agree or not, any of your employees who stand on my private property, will be removed by the Police.

 

Valid even if not read by you...

[Guest]

well consider it done....I will email that thanks Bazooka Boo lol

[Old Cogger]

Send that foolish email from Snotcrawl to the OFT and TS, these clowns are hilarious, typical incompetent bully boy attitude, always wanting the last word.

 

If it were me on the receiving end of such an immature email, I'd be inclined to respond with,

 

Dear Bill&Ben,

 

Thank you for your email which I received on dd/mm/yyyy the content of which has been noted.

 

For the avoidance of doubt on your part, and to make it crystal clear so you may understand, your email claiming that the 'license' I quoted, is irrelevant, has raised some eyebrows when I produced it to a Police Officer at my local station. They are now aware of your interpretation of Law, and have advised me to ring them should you still feel it necessary to send your employee to my property.

 

The OFT and Trading Standards have also received a copy of your email, and I have no doubt they will be in contact, and will certainly question your fitness to hold a consumer credit licence.

 

If there is anything you fail to understand, please seek immediate legal advice, your permission and rights of access to my property ARE revoked whether you agree or not, any of your employees who stand on my private property, will be removed by the Police.

 

Valid even if not read by you...

 

To the point = good one, another salvo to those goons.

[intend]

nice one BB

[BRIGADIER2JCS]

Send that foolish email from Snotcrawl to the OFT and TS, these clowns are hilarious, typical incompetent bully boy attitude, always wanting the last word.

 

If it were me on the receiving end of such an immature email, I'd be inclined to respond with,

 

Dear Bill&Ben,

 

Thank you for your email which I received on dd/mm/yyyy the content of which has been noted.

 

For the avoidance of doubt on your part, and to make it crystal clear so you may understand, your email claiming that the 'license' I quoted, is irrelevant, has raised some eyebrows when I produced it to a Police Officer at my local station. They are now aware of your interpretation of Law, and have advised me to ring them should you still feel it necessary to send your employee to my property.

 

The OFT and Trading Standards have also received a copy of your email, and I have no doubt they will be in contact, and will certainly question your fitness to hold a consumer credit licence.

 

If there is anything you fail to understand, please seek immediate legal advice, your permission and rights of access to my property ARE revoked whether you agree or not, any of your employees who stand on my private property, will be removed by the Police.

 

Valid even if not read by you...

On form again Boo:madgrin:

[Guest]

I would love to be in their office tomorrow when they read it LOL........

[Bazooka Boo]

Its been a while, I know it's childish, but sometimes you just have to hit back and play them at their own game.

 

Akin to 'anything you can do, I can do much more callow'...

[Bazooka Boo]

I would love to be in their office tomorrow when they read it LOL........

 

Ha ha, fly on the wall!

[Guest]

Well I have always believed in standing up to a bully....just with that lot I didn't know how, I do now LOL thanks again BB.

 

A reply like theirs deserved it. My son has just had a laughing fit I have never seen the like of, and is no longer worried about my being here on my own and unwell. I wont answer the door to anyone now unless I know them/expect them. I suffer with Bipolar Disorder and my anxiety levels can go from 0-100 in seconds, despite meds and therapy. I also have FMS and now just recently a diagnosis of Diabetes, which my GP believes to have been brought on by the shock of my Mothers sudden and unexpected death late last year. My blood pressure is through the roof and my list of meds grows by the week lately. So I didn't really need scotcall knocking on the door.

 

I really appreciate your help and have had to smile at the thought of them reading that in the morning.

[Bazooka Boo]

Your very welcome.

 

What they fail to tell you is that this is simply a petty catalogue debt that has no priority what so ever.

 

They try and make it sound as if it is the most important thing and should be dealt with last week, but in actual fact, the only people it' important too are these lot chasing it, money to them is like oxygen to the rest of us, they think that if they don't get their ill gotten gains they will shrivel up and die, the chance would be a fine thing!

 

Even IF, and by god that is a very BIG IF, it ever got in front of a judge, even they wouldn't force you to pay more than a £1 a month.

 

Snotcrawl like to talk the talk, but can't walk the walk, they simply rely on debtors lack of knowledge and use threatening words in their puerile missives, all in an attempt to intimidate people into paying money they don't owe.

 

Forget them, concentrate on yourself and your health, these clowns come at the very very bottom of your list of things to do, if at all!

[Guest]

Well they haven't replied this morning.....they were very quick yesterday. Glad I sent it. Give them something to think about.

[Bazooka Boo]

[Guest]

well scotcall really don't agree lol I had a letter today, totally ignoring my email, same old threats that if don't pay up in full in 7 days the door step collecter will be calling to discuss this debt....I have now emailed OFT for clarification and sent the email from scotcall telling me their take on the law. I don't think the amount is right which is why I am not paying anything, I cant find any paperwork on it and I doubt they have any either. I guess I should send a cca request, I will do that tomorrow.

[Bazooka Boo]

Silly Snotcrawl....

 

Keep a camera or video camera handy at your front door just in case one of their commission paid powerless trespassers turns up, film his sorry behind and watch him scurry away..

 

Ignore them now, they are clearly ignoring your correspondence so you just need to reciprocate.

[Guest]

yes will do.

[padja]

have you got a doorstep that needs collecting?

[Guest]

[Guest]

This lot really are a peice of work lol....regular weekly emails now ....they're still sending their doorstep collector......he must have got lost on the way lol

[Bazooka Boo]

Just mark their emails as Spam and send it to the junk email box.

[Guest]

Great Idea!!!