connaught collections chasing JDW cat debt

[susanne42]

hi all

 

 

sent a letter to cc on 12 april 2013 asking for my credit agreement with them

 

 

i have got a reply today 7 months later

 

 

they have sent me the so called credit agreement which i have attached on here

 

 

i dont think this is real somehow

 

 

they want a reply from me in 14 days and to start paying them again

 

 

i stopped paying them in april to advice as to what to do now thanks or what letter i can send them thanks

Edited November 20, 2013 by susanne42

[havinastella]

When was the agreement taken out. Have you signed it?

[susanne42]

as you can see on the agreement

 

 

nothing is signed by me

 

 

it just has my name and the address

 

 

i was at the time this is about 7 years ago at least much longer than that i think it was 13000 i owed now down to 290

 

 

what is left so been paying cc for a long time but i stopped all payments this year on the attachment

is the agreement they sent me today

[dx100uk]

as its a cat debt

 

 

prob mostly £12 fees you can reclaim anyhow

 

 

got all the statements?

 

 

dx

[susanne42]

no just got a payment list of what i have paid them so any idea what i do now as i would like to reply within the 14 days and what about the so called agreement they sent me that i meant to of signed but my signiature aint on it just so i know what to do now

[susanne42]

just to add the aggreement they sent me is not at the address i had the catolague with at the time this is at the address where i lived when i started paying the debt of at

[dx100uk]

un-en then

 

 

send the failure to comply letter.

 

 

get an SAR off to JDW

 

 

get all the statements

 

 

dx

[susanne42]

jdw have no information about me now have rang them ages ago they sent it to debt collection agency so i will send a filure to comply letter what about the so called agreement they sent me saying that this is my credit agreeement

[susanne42]

could u send me a link please for the template for failure to comply letter thanks

[dx100uk]

green library tab top left

 

 

dx

[susanne42]

hi again have looked at my records and

 

 

i have all ready sent them a failure to comply letter

 

 

i have kept the receipt for proof thankfully so i know so

 

 

what letter can i send now

 

 

as they have sent me details of my payments to them but not my orginal credit agreement

which of course they wouldnt have since im been paying this since 2006

 

 

so any help on what letter to send now thanks

Edited November 21, 2013 by susanne42

[dx100uk]

can we have the full history of this debt please.

 

 

dx

[susanne42]

can we have the full history of this debt please.

 

 

dx

 

got a jdw cat around 2003

they found me in 2006 i was young and silly and didnt know what to do

 

 

i have been payin it since 2006 until feb 2013

total was 1300

 

 

i have 290 left to pay

 

 

no wasnt until i came on this site and found out alot of things lol

 

 

i sent them 2 letters canny remember what the first one was called

 

 

then i sent them the failure to comply one with my 1 pound to them canny find my first letter though

unless i had to pay a pound for that one to.

 

 

that letter was sent on 12 april 2013 and

 

 

i got my so called credit agreement letter on 20 nov 2013 which u can c above and

 

 

all my payments i have made since 2006 until feb 2013

 

 

thats it if u need to know anything else let me know,

 

 

i know ive payed the debt well off by now compared to what they would of payed for it

but there wanting a reply in 12 days now

and for me to start repaying them

 

 

thanks

 

 

ps the address that was on my credit agreement was not where i was living when i got the cat

and they canny even get my name or postcode right either

they have the address where they found me lol

Edited November 21, 2013 by susanne42

[dx100uk]

yea ok

 

 

so sadly they got you and that's that.

 

 

not worth willy waving about.

 

 

I'd send an sar to JDW

 

 

can see there being many charges to reclaim

 

 

as they'll prob be outside 6yrs now

 

 

but it might show PPI.

 

 

you can get that back.

 

 

its strange JDW sold the debt though

 

 

did you ever get notification of that

 

 

or all the paperwork went to an old address.?

 

 

can you remember how connault spoofed you into paying

phone or threat-o-gram?

 

 

dx

[susanne42]

yea ok

 

 

so sadly they got you and that's that.

 

 

not worth willy waving about.

 

 

I'd send an sar to JDW

 

 

can see there being many charges to reclaim

 

 

as they'll prob be outside 6yrs now

 

 

but it might show PPI.

 

 

you can get that back.

 

 

its strange JDW sold the debt though

 

 

did you ever get notification of that

 

 

or all the paperwork went to an old address.?

 

 

can you remember how connault spoofed you into paying

phone or threat-o-gram?

 

 

dx

 

was paying 1st credit and connaught colll

not sure if there the same company as payments are going to both of them

just remember getting a letter saying there take me to court and all that

 

 

so started paying it then came on here and

 

 

read some things

 

 

i have assumed they got my old debt.

 

 

so do i have to pay them the rest of the amount even though they havent sent me my origanlly credit agreement

ty ps just thought they sold the debt as it went to a collection agency

Edited November 22, 2013 by susanne42

[dx100uk]

looks like they cash cowed you

and passed you around

 

 

here you have some

 

 

this ones blindly paying quite nicely.

 

 

sar to jdw is a must.

 

 

bet none of your payments show on their statements when they comeback.

 

 

as for the cbal outstanding

await the sar.

 

 

and ignore the fleecing dca's

they've lost their cash cow you've found cag

 

 

dx

[susanne42]

talked to jdw today

they said they passed me on to cc on 2005 a

nd they have no more dealing with me its to do with the debt company now.

 

 

i have sent a failure to comply letter again to to cc .

 

 

See the credit agreement should that have the address where i got the cat from not the address where cc found me

and plus its not my writing on the credit agreement and not been signed by myself .

 

 

what will a sar show me by the way as i know jdw aint getting the money from cc lol

 

 

thanks again

Edited November 22, 2013 by susanne42

[dx100uk]

proof the money has gone in CC's pocket

 

 

so's you can demand it back

 

 

and any proof of PPI to reclaim from JDW?

 

 

dx

[susanne42]

ok will do that but how can i still claim that back as i have been paying them for all those years sorry getting confused here so i take it the credit agreement that i have at the top aint legit ty again .

how can i claim back the money if jdw sold cc the debt or they just gave them it as cc own the debt then not jdw

Edited November 22, 2013 by susanne42

[dx100uk]

if its not signed by you no for that era

 

 

and as you say, its not the correct address for the date on it anyway

 

 

so its a fake?

 

 

if so

 

 

quietly catchy monkey.

 

 

they've faked it, if its signed and dated by you

 

 

if not

they've just sent a poor recon that holds no water.

your issue here is WHERE HA YOUR MONEY GONE.

not what you still owe.

 

 

you need to keep your powder dry

and gather evidence from as many sources as you can

then hit them with the demand for you money back if its been pocketed.

 

 

pers I'd not be having anymore comms with any dca

 

 

let them goto court then expose them.

 

 

dx

[susanne42]

im getting there slowly lol

 

 

as i said no not my writing on credit agreement

think i would know how to spell my name and

know my postcode as they got that wrong and address not correct at time i got the cat.

 

 

cc tried to fob me of saying that was a true copy of my credit agreement

and it doesnt have to be signed or dated by myself that is my agreement.

 

 

well will get a sar sent of to them

 

 

should i send them the failure to comply letter to them then

 

 

as there wanting payment again in 12 days time from me.

 

 

they should of been giving jdw the money then

[dx100uk]

as post 20!

 

 

dx

[susanne42]

wrote them both will post today thanks again