TBI/Clode Debt, CCA received...

[SnoogyWoo]

Hi Guys,

 

This is part of my bigger debt issue here if anyone would like a back story:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387784-Big-Debt-Problem...HELP!

 

I have received my request from TBI for the CCA, does it look enforceable?

 

If it is I was thinking of asking for a F&F of around £100, do you think it is worth sending a letter?

 

Strange thing is TBI are asking for about £390 and on my credit history the amount is £195! You can see that on the first page of the big debt problem post under V12 Finance.

[fkofilee]

To be honest on this one, ask them to settle F+F for £100

See what they say and say if its not settled then you will be making "XYZ" Token / Monthly instalments towards the debt

 

If it went to a Court Of Law, Youd find the judge will more than likely come in your favour as you are trying to do your best to clear it.

Get them to freeze interest... etc and you should be fine.

[SnoogyWoo]

OK thanks, I will send a letter today. Are there any templates for F&F?

[dx100uk]

better to post documents in a PDF attachment.

 

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

.

 

it this debt showing on your CRAfile then?

why do you need to settle it

 

dx

[SnoogyWoo]

To have one less to think about? Is it a bad idea?

 

Just thought it was my smallest debt and they are hounding us more than any of the others so it was a way of trying to get rid of them for £100.

[dx100uk]

its usually those that shout the loudest that are trying to cash cow

you on a debt not actually owed.

 

dx

[dx100uk]

why send you company name chage cert

 

seems like they are tryingto spoof you here.

 

ok the CCA is obv 'ok'

 

whats the debt all about?

 

what did you buy?

 

TBI only ever chase lemon debts

esp HFC ones too.

 

dx

[SnoogyWoo]

Hi DX, it is part of the bigger debt problem that you have helped me with here:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387784-Big-Debt-Problem...HELP!

 

I stopped paying everything.

 

The debt was a V12 finance agreement for a small TV for £400 about 5 years ago.

 

I paid them a reduced amount until the end of last year and then they have been ringing everyday.

 

I sent a CCA request and they sent what I have uploaded.

 

I thought with the agreement being good it might be better to settle.

 

How would you play it now?

[dx100uk]

have you any record of exactly to date how much you have paid?

 

dx

[SnoogyWoo]

Definitely more than the £400 the TV cost.

[dx100uk]

well the agreement tells you in total what you need to repay

 

take you ACTUAL payments from that figure

 

what are you left with

 

THAT is what you owe and to the OC not TBI!!!

 

dx

[SnoogyWoo]

OK, am I able to request that information from them?

[dx100uk]

yes send v12 an sar request

 

dx

[SnoogyWoo]

OK, I send that with a £10 postal order?

[dx100uk]

yep

 

use proof of posting from the counter when you get the order

 

dx