Rockwell harrassment letters/calls - old £1500 BH loan from 2005

[dx100uk]

also check your cra file

see below

 

scan up that agreement please

 

set your default scan page size to A4 less than 300DPI [150 will do]

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!!

'

BUT......

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

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

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

..

 

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

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

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

[Scarlett136]

OK make sure you check the delivery date, please let us know the result.

 

Thank u will do

[Scarlett136]

Sorry i dont know how to scan docs. Thanks for your detailed message but im afraid i havent got a clue where to start gggrrr, wish i did, been trying but no luck!

[BRIGADIER2JCS]

Sorry i dont know how to scan docs. Thanks for your detailed message but im afraid i havent got a clue where to start gggrrr, wish i did, been trying but no luck!

 

Ok don't worry about that!!

 

My opinion is that Rockwell have attempted to produce a ''recon'' agreement but have failed dismally:lol:

[Scarlett136]

Ok don't worry about that!!

 

My opinion is that Rockwell have attempted to produce a ''recon'' agreement but have failed dismally:lol:

 

Thank u for your help much appreciated

[Scarlett136]

BRIGADIER2JCS I sent Rockwell the letter you drafted for me and you asked me to report back with their response..

 

.. This is their response letter received yesterday 4th May 2013:

 

"Thank you for your letter 27 April 2013 concerning above mentioned account (Lloyds Black Horse).

 

I note your comments advising we should provide you with the original agreement should we wish to escalate this matter to litigation.

 

However, I must advise this is not the case and a copy of the original would suffice for this purpose.

 

Further to this, we have not at this stage decided this is the action we wish to take as we would prefer to reach an amicable solution rather than take legal action.

 

Please contact us either by telephone or written correspondence within the next 30 days to clarify these points to allow us to resolve this issue for you.

 

Thank you for having brought this matter to our early attention to enable it to be rectified.

 

We trust we have been able to clarify matters for you, however should you remain dissatisfied please contact the Financial Ombudsman service on 03001239123

or alternatively see below for details of the credit services association, yours sincerely....."

 

Please can you advise me on the next course of action I should take.... many thanks

Edited May 5, 2013 by Scarlett136
incorrect date used

[Scarlett136]

In addition... if you recall all Rockwell had sent to me was a copy of the front page ONLY of the agreement with no T&Cs attached...

[renegadeimp]

Typical rockwell response. Thinking regulation and law dont apply to them.

[BRIGADIER2JCS]

Morning Scarlett,

What a bunch of maroons they are.

 

Address and ref: as before:

 

Sir/ Madam,

 

I refer to a letter from Rockwell regarding the alleged debt for £xxx .xxx originally relating to an account with xxxxxxx. I find this reply to my letter dated xx xx xxxx rather strange as I am fully aware that a copy of the original agreement will suffice, but I must remind you that the document supplied to me recently is NOT in compliance with sections 77/78 of CCA 1974 in that it is incomplete and does not contain the required terms and conditions relating to the original agreement, therefore it is rejected and I decline any liability to Rockwell or an company it may claim to represent.

 

This account is now place formally in dispute and will remain so until a compliant agreement is available, also I am fully aware of what a ''reconstituted'' agreement MUST contain should Rockwell attempt to produce one, lastly I hope do not have to remind Rockwell of its required actions now this matter is in dispute formally.

[Scarlett136]

hi Brigadier2JCS.... sorry been away just read your post in response to mine... thanks again for your advice and help and I'll be sending Rockwell this letter tomorrow!

cheers, Scarlett

[BRIGADIER2JCS]

Happy to help Scarlett, please let us know what happens.

[Scarlett136]

Happy to help Scarlett, please let us know what happens.

Will do sending recorded delivery today thanks again

[Scarlett136]

Hi Brigadier2JCS... well heard nothing from Rockwell since my last post on 15th May 2013. Then their letter dated 18/6/13 arrived on Friday 22/6/13. It reads as follows:-

 

Dear xxx

 

We write in response to your letter dated 13th May.

As requested, please find enclosed copy of the original Terms and Conditions for the above account,

together with a further copy of your original agreement.

 

These have been supplied by out clients and we trust they satisfy your query.

 

We shall be grateful therefore, if you will provide us with repayment of the outstanding sum £1,376.36 within the next 30 days.

 

If you are unable to afford full repayment at this time please complete and return the enclosed financial statement within the above mentioned 30-day period.

 

yours sincerely blah blah blah!

 

As they state

it is a photocopy of T&Cs and is most probably something generic that is easy to get hold of...

(Sorry but if I could scan document and post on here I would!!) T

 

he T&Cs outline points 1-7 eg... our loan to you, what you must pay, interest, charges if you break this agreement, if you break this agreement, early settlement, general info...

 

. with a panel to the right hand side of the doc stating points under the heading "use of your information credit ref agencies".

 

To the bottom of this panel there is a blank space!!!!

Not sure if a signature should be here or not..

. or whether that's how the original T&Cs should look?

There is nothing on the reverse side of the T&Cs either.

 

Also the "copy" agreement they've sent again has TESSERA hand-written across the top with couple of hand-written numbers alongside it.

 

Wondered if you could advise me of my next move.

.. or do the documents they've sent out suffice and will I need to pay them.

.. seen lots on this site about Rockwell, a real eye opener!

 

Thanks again for any help or advice you can give,

 

much appreciate.... Scarlett136

[BRIGADIER2JCS]

Hi Scarlett,

The agreement form you have received, is just one page is this the front or back do you think.

 

The terms and conditions MUST contain the following data:

1. Your name and address as at the inception of the agreement.

2. As above for the creditor.

3. All the Ts &Cs at inception.

4. All the Ts& Cs at closure

5. All amendments made during the life of the agreement.

6. Any documents mentioned in those Ts & Cs.

 

What you have received I do think complies with the section 77/78 request.

[dx100uk]

are missing something here.........

 

you say in post 1 it was 2003

 

the agreement you have is from 2005?

 

if you've made NO payment on this since 2007 the debt is STATUTE BARRED

 

dx

[Scarlett136]

hi Brigadier2JCS

 

Thanks for your reply..

. finally fathomed out how to scan and attach docs.

Well thought I had, but trying to attach the 2 pages of the T&Cs Rockwell sent me.

.. one looks like its attached ok, but having problems attaching other page!!!

 

They were sent to me as separate sheets.

 

I've blanked out personal details and yes my name and address where top left and its my signature part way down, that's been blanked out.

 

However you will see the start date has been handwritten by them or original creditor 01/12/05 (not sure if this is the norm or should this date be typed in).

 

If you could advise pls that would be great.

 

Hi, dx100UK thanks for your reply too,

the agreement is from 2005 and I did make standing order payments up to 2011 so its not statute barred.

 

However, I did think payments were finished as no other s/o requests were taken from my bank account..

. until I received letters a couple months ago.

 

Any help or advice on my next step would be most appreciated.

 

thank you

Scarlett

[Scarlett136]

hi again... uploaded pages again hope this works now! Sorry not good with technology! Thanks again... 2 attachments showing agreement sent from Rockwell

 

scarlett136

[dx100uk]

that's the T&C page twice

 

can you upload the page with YOUR SIG ON IT [

but blanked out ofcourse!

 

dx

[Scarlett136]

hi dx

sorry for delay we've had signal failure, back on now so Ive attached the front page of agreement - hope its attached and you can read ok.

 

thanks again

scarlett

[dx100uk]

ok so unless someone spots anything I cant see an issue with agreement myself.

 

now you sent off an SAR did you not to black horse?

 

did you get all the statements back?

 

there is a reason BH sold this

[ah hang on...is this on your CRA file? ...did you check?]

 

no way would BH sell a £2k debt

unless there is something WRONG WITH IT.

 

they are quite capable of going to court themselves.

 

dx

[Scarlett136]

Hello...

Ok so u think agreement is ok...

 

I seem to recall reading something on here about agreements drawn up pre 2007 and some changes that had been made,

could u explain if these changes would refer to this agreement that started 2005.

 

I never received statements back just a list of payments from rockwell.

 

Just checked CRA file but nothing showing (mind u this was my cred file with noddle so unsure how accurate this would be,

but nothing on there relating to black horse or Rockwell).

 

Like i say i did make s/o payments to rockwell up until 2011

then they stopped taking money from my account for no reason...

And i have the same account.

 

Then out of the blue i was sent letters for payments...

 

Just find it all a bit odd.

 

So would yr advice be to start up payment arrangement cos i cant afford the payment in full?

 

Thanks again

Scarlett

[dx100uk]

did you send that sar to BH?

 

 

and nowhere I have I said restart or even consider paying!

 

dx

[Scarlett136]

It was sent to rockwell not bh..

 

.but think by what your saying i'll send to bh see what they send back...

 

not saying u advised me to start paying,

 

just asking whether u think ive got leg to stand on with the agreement looking all in order.

 

Sorry for confusion

Thanks

Scarlett

[dx100uk]

the BH SAR will be the key eitherway

 

don't know where we said to SAR a DCA

 

that's worthless waste of £10

 

dx

[dx100uk]

sri scarlett

 

its not clear as I can see that you should of sent it to the OC.

 

our bad

 

dx