control debt solutions and an IVA - owe more now then when i started.

[Hacked_Off]

Yesterday i recieved this:

 

Dear Sir/Madam

 

1st Credit Ltdisattempting tocontact the above named regarding a personal matter.

 

Your address has been suplied as apossible address for our subject who was previously resident at:- (previous address)

 

Please contact our offices immediatly on our telephone number 0870 164 20 56 and quote the above 1st credit reference number at which time further information can be provided.

 

if you are not the individual we are attempting to contact or have information that may assist please call us at your earliest convienience. on telephone number 0870 164 2056, in order that we may correct our records.

 

If no responce is recieved within ten days of issue we will assume that you are the individual we wish to contact and will of course ensure that all relevent correspondance is sent to you

 

Yours faithfully

 

1st credit ltd

 

so they assume that just because you may not respond that you may be the individual concerned this is taking the p"@##, even by worst credit's stance.

 

So If I write to first credit thus

 

 

Mp Plumbers

1 any street

any town

somewhere in england.

 

 

 

Dear mr worst credit,

 

I have been informed by one of your employee's that you have a problem with a leaking tap in your toilets and this may present a a slip hazard.

 

I will be along to deal with this leak within the next 7 days. If this is not the case please contact me immedietly. should you not respond within the next 7 days then I will assume that you accept my visit and, will attempt tp fix the problem and charge you accordingly for my visit whether the problem has been resolved or not

 

 

 

yoyrs faithfully

 

m.r plumber.

 

 

You might think that this response is a little bizzarre, however its the same tactic that first credit are trying to employ

 

ahahaahahahahaahahah thats well funny

 

to be honest ive just ignored them, got that letter weeks ago nd havntheard a word since

[babybear39]

Just tell uncle bob to foxtrot oscar until such a time as he can come up with a valid CCA

[Hacked_Off]

im sending them the plumbers letter

[babybear39]

lol...

[Hacked_Off]

isnt t wird how halifax have told me im in the wrong and there in the right yet they havnt taken the charge out

[Hacked_Off]

just got this about in control:

 

 

From your email it appears you wish to report the poor service you have recieved from a debt management company, plus determine what your next course of action should be in order to obtain a refund from the trader for the fees you paid them to pay your creditors. You believe that they have mis-sold you the service they could provide and are still advertising services on their website that they do not habe the capacity to provide.

Based on the information you have provided the key legal points in response to your enquiry are as follows:

 

Firstly I would like to confirm that as any misleading advertising or information supplied by a trader to a consumer is potentially a breach of the Consumer Protection from Unfair Trading Regulations 2008, the information you have provided will be passed to Liverpool Trading Standards for further consideration and, if

necessary, further action.

Under the Misrepresentation Act 1967, a representation is 'a statement of fact, made during pre-contractual negotiations; as an inducement to enter the contract'. If you later find out that this statement of fact is false, you may be able to seek damages, rescission (put back into pre-contractual status) or an indemnity for any expenses.

 

The burden of proof will be on the consumer to prove the trader has misled you, and that this was used as an inducement to enter the contract. You will also have to be able to prove what losses you have incurred from this misrepresentation.

 

Therefore in order to obtain the proof you require about the the false statement of facts made by the trader, you would need to acquire all the paperwork realting to your contract with them and your creditors. At this stage you should send the trader a recorded delivery letter, formally making a 'Subject Access Request' under the Data Protection Act. The trader can charge you up to £10 to cover any administration costs and have upto 40 days to provide all information they hold on yourself.

 

Once you have obtained this information, we would then consider referring the case to your local Trading Standards for further advice and, if possible, assistance. To do this we would also need your telephone number, so Trading Standards can make contact with you.

 

[Hacked_Off]

isnt t wird how halifax have told me im in the wrong and there in the right yet they havnt taken the charge out

 

Theyve taken the charge out today. which has left me overdrawn and is going to take half my benefits. they were meant to charge me yesterday and didnt.

[Hacked_Off]

:mad:second letter to halifax sent:D

[Hacked_Off]

got a letter from in cntrol today. confirming the account is closed and telling me to "get in contact if i need there services" yeah right im sure theyd love the "£80 start up fee" again

[Hacked_Off]

send Frederickson a CPR31 request

 

it shuts them up big style

 

i sent them that letter. which has been ignored and they have sent me this:

Edited September 2, 2009 by Hacked_Off
woops left details on

[lickthewallfatboy]

your personal info is still legible

 

CPR 31 Frederickson

 

they don't like those

[Hacked_Off]

already have done and theyve ignored it

[lickthewallfatboy]

I did it and that was the last I heard from them

 

play the same game as I do now----ignore them all.They'll give up eventually

[Hacked_Off]

so they cant actually take me to court or nothing? 1st credit havnt replied yet either

[Hacked_Off]

Edited September 2, 2009 by Hacked_Off

[babybear39]

Call their bluff and issue your own LBA as they're threatening you.

[F_DCAs]

'Judgment'? 'Oustanding Balance?'. Jesus - who do they get to draft up letters like this?

 

And yes, it's a direct threat. It's saying 'we will take immediate action' (I note the bit about bailiffs is 'MAY be instructed'), and contains several other OFT contraventions to boot.

 

The box about additional costs is entirely irrelevant - if it got to court, a judge would decide what costs to impose, not them!

 

BTW - cross the details off that scan a bit more, they can still be read.

[F_DCAs]

And cross out the bar code as well.

[lilly white]

Antiquis temporibus, nati tibi similes in rupibus ventosissimis exponebantur ad necem.

In the good old days, children like you were left to perish on windswept crags.

 

Fred do not be so foolish.

 

The best regards Lilly White

[Hacked_Off]

whats a LBA?

 

Whats annoyed me i sent cap 1 a letter offering to pay a fiver a month which was more than the dmp were paying them. The first one was ignored so i sent it again. Then they sent me the "we need a sig.." which seems odd seeing as i was offering to pay them. So i sent them the you dont need a sig letter and theve gone straight to a DC. It seems they were planning to go to a dca before id written to them and wanted a sig to fake documents maybe ..

[Hacked_Off]

Antiquis temporibus, nati tibi similes in rupibus ventosissimis exponebantur ad necem.

 

In the good old days, children like you were left to perish on windswept crags.

 

 

Fred do not be so foolish.

 

 

 

The best regards Lilly White

 

 

:confused:

[babybear39]

Click on the blue link that says LBA and have a read of that then do a search of the site to find something that suits your needs.

[Hacked_Off]

am i upposed to be lookingat a small claims kit? 0_0

[babybear39]

If you post in the legal issues section you should get all the help you need from there. Ask a moderator to move your thread.

[Hacked_Off]

so you reckon i should take them to court and not bother with a cca o anything like that?