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    • Hey have filed a defence at 4pm today the day before I could request a judgement.  I thought it was last Friday but it was infact tomorrow they would have ran out of time 
    • Hello All,   My query is about the Service charge. I am leaseholder of a 3 bed flat in a purpose build block in London (Westminster) our service charge used to reflect the maintenance of the building and overall look and feel. But now not only service charge goes up every year but quality of service like general maintenance gone down. For example lifts keep breaking down, building needs refurb, walls are dirty, my windows are so old that in winter no matter how much heating you put on room still feel cold.    additionally they keep adding major works charges to service charge with this year being £1917 in addition to £1890 service charge. Don’t mind paying only if I see improvement in the block but we have only seen steady decline over many years now. So today I called them (city of Westminster) saying I don’t want to pay and cannot pay so high charges where there’s no evident results.    I came here to find if anyone has been successful in negotiations on regards to service charges complain or any advice regarding this. Charges are too for what we get    Thanks in advance  
    • this is going to be really simplistic, but have they started by talking to senior management now the bad apple has gone?
    • Hi everyone  . . .  Just an update   The CMD was this morning.  It started with cheap  manoeuvrability  by Intrum’s lawyer, but let me give you quick summery background:   The judge issued an order to us to submit evidence supporting our case such as call for witnesses or ask the court to order the original creditor to some action.  We were giving 21 days for the submission.  In my simple calculation without, allowing time to post, the final date was to be 10 March 2021, with post time 2 days later.   On the 10th March, and to be on the safe side, I send to the court the response version giving to me by DX100UK.   Then on 12th March, I send to the court the version giving to me by Andy, asking the court to replace the first document with the second  one.   On 7th of April I send Intrum lawyer the document 2 as it is our official response.   ON the 12th April I send the court the medical certificate for my niece asking to be viewed exclusively by the court.   At the start of the CMD the Judge ask Intrum lawyer to start.  So he started by claiming the following: 1.    We failed to meet the 21 days deadline set by the court. 2.    He received a response on the 7th April which is only a week ago. 3.    He admitted that he has the two version of our submission. He claimed that they were collected by colleague of his from the court’s Clark while he was in court. 4.    He said that this case has taken too long and the defendant just messing them about and keeping changing their plea.   At that time the judge announced that he does not have the two documents in the case file. He only has the medical certificate.  Then he turned to me to ask me for explanation. a)    I said that we met the deadline set by the court and submitted the required response.  Also I explained the issue with two documents. b)    I confirmed that we have received a confirmation form the court on their receipt of  my submission emails. c)    I stated that Intrum lawyer’s claim is incorrect that we failed to meet the deadline, and pointed out that he has our two documents in his possession which he obtained from the court.   Then the judge started asking Intrum lawyer on the content of the two documents, which is bizarre not to ask the author of the documents.   Intrum Lawyer stated that the two documents almost identical. He then started pointing out the negative sides in the documents such as our change of the 50% settlement.  He continued claiming that we are changing our defence without following the certain set procedure, which it seemed to confuse the judge. The lawyer  continued to ridicule the document in general without being specific.  At the end the judge turned to me  to response.   I said that the court must see the document as it is important to the case.  It is not correct to ask the lawyer to a brief the court on our document as he has been selective in what to read.  The judge came in and said that he asked the lawyer for a general summery of its content.   I continued that the full claim case is fundamentally flawed, and I continued to list why: 1.    The nature of the relation between the original creditor and defendant does not constitute the need for Financial Agreement between the two parties.  The claimant stated in their case that the defendant was in breach of a Financial Agreement. Where is this agreement? 2.    There is no Default Notice that the claimant stated in their submission there was a Default  Notice. 3.    Also has the original creditor served a notice of assignment on the defendant? 4.    The other fundamental issue is the question of the nature of the sum claimed!. .  .  .  . . .   At that time the judge stopped me asked me if I was asking for the other side to present these documents.   I responded:  Intrum are experienced organisation in this type of business.  They know very well the importance of these documents to the case, why they have not been  incorporated them in their case submission , . .  my answer Yes  . . . our missing response document put the claimant to Strict Proof to present these documents to the court.   The lawyer then announced that the Default Note was included in their submission and, he continued to quote a reference number, then he retracted his claim, which is I had a sense that he felt he has gone too far in his BS***t.   However, the judge spend most of session faltering and does not know what to say.  At the end he decided to go for another CMD. But then the funny part he asked the Claimant lawyer to send him the two missing documents.   I feel more positive now on the case but I would appreciate your views and comments.   Thank you
    • Had a reply from the Council today. While they didn't specifically say the car can be parked there, they gave me this bit of info which I am reading as parking being allowed during those hours as long as you don't enter the street:     Hadn't even considered deliveries! I live just outside the catchment area so I've never had problems, but it does make me wonder how Royal Mail, DPD and the rest are handling these kinds of restrictions...
  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 32 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
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Intelligent Finance/Blair, Oliver & Scott


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This is yet another gripe over Intelligent Finance and all associated companies.

 

I took out a loan with Intelligent Finance over two years ago, and made the required repayments through direct debit. Since then, though, I started to face financial difficulty and contacted IF about the possibility of reducing my payments by stopping the monthly insurance premium. They said they couldn't do this but suggested that I reschedule my loan, to which I agreed. After a little bit of thought I decided this wasn't actually the option I needed so phoned them back and came to an agreement that if I paid £250 per month for the next three months they would then get another department to contact me, see how my finances stood and take it from there.

 

Three months came and went and as I'd heard nothing I wrote a letter asking for clarification of where I stood, whetehr it was possible to carry on paying £250 per month and I also asked how much I owed. After hearing nothing for two weeks I sent another letter asking for a response. Still nothing so I managed to track down a number and phoned them. They said they'd be back in touch...but you've guessed it NOTHING.

 

So another letter went off, but this time I sent a cheque for £100 as my financial situation was becoming even harder. I noticed the cheque was cashed but still no return correspondence from them.

 

I've constantly been bombarded by 08708 numbers (presumably from a company relating to IF/HBOS) but refuse to answer them as I've absolutely no way of having proof of what was said in the conversation. I've indicated this in a couple of the letters I've sent, but I also refuse to pay the call charges.

 

Since then I've sent another 15 or so letters asking what I should do next, and still with not one response.

 

Then I got a letter from J & J Collections saying that I'd defaulted. A while later I received a litigation letter from Blair, Oliver & Scott saying unless I made contact with them they'd take me to court. They said I owed just under £12,000.

 

So I sent a letter to them over two weeks ago explaining my position, but also that I'd sent a full set of the one way communication I've had with IF/HBOS to head office and that I was ready to file a complaint against them for the way they've treated me with utter disrespect on this matter.

 

The latest thing I've received from IF/HBOS is that they want more detail of my complaint against them because the only thing they'd received from me was the top letter I'd just sent them (which I hasten to add was sent recorded delivery). I'd love to know how they've managed to lose all 19 pieces of previous correspondence, and now they seem to have lost all the duplicates I've sent this time round...apart from the top letter.

 

Sorry this has become a long winded posting and tends to jump around a bit but I am becoming so infuriated by the whole fiasco and just don't know what to do next.

 

Cheers,

 

Jon

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This is just a very quick query as I've already gathered some excellent responses from one or two other members.

 

My question relates to loans (or the mismanagement of one by Intelligent Finance), and is it possible to reclaim any charges from them as most queries seem to revolve round bank charges?

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I would be surprised if you could find any charges applied to your loan account

apart from interest.

Things like missed payments would have the charges applied to the current

account. Have you got any?

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This is a slightly different scenario to other forum members but it is one that needs sorting.

 

It relates to the mismanagement of a loan agreement by Intelligent Finance.

 

Although I have posted this elsewhere I've included the text below as I'm now in the process of filing a complaint/claim against them, so let's see what response I get from IF/HBOS and Blair, Oliver & Scott.

 

I took out a loan with IF over two years ago, making the required repayments through direct debit. Since then, though, I started to face financial difficulty and contacted IF about the possibility of reducing my payments by stopping the monthly insurance premium.

 

They said they couldn't do that but suggested rescheduling my loan would be a good option, to which I agreed.

 

They then cancelled my original agreement, along with the direct debit (although they later insisted that I was the one who'd cancelled.

 

My bank confirmed that it was actually them who'd cancelled

- IF later admitting they had stopped the direct debits).

 

IF then started the process of setting up the new loan agreement.

 

After a little bit of thought I decided this wasn't actually the option I needed so phoned them back and came to an agreement to pay £250 per month for the next three months, after which time another department would contact me and we'd set up a more permanent repayment scheme.

 

Three months came and went and as I'd heard nothing I wrote a letter asking for clarification of where I stood, whether it was possible to carry on paying £250 per month, how much I owed and could I have a written agreement.

 

I heard nothing for two weeks so I sent another letter asking for a response. Still nothing so I managed to track down a number and phoned them.

 

They said they'd be back in touch...but you've guessed it NOTHING.

 

So another letter went off, but this time I sent a cheque for £100 instead of £250 as my financial situation was becoming even harder.

 

Yet again I explained my situation and asked if this was acceptable. I noticed that a few days later the cheque had been cashed but still no return correspondence from them.

 

Over a period of 3-4 months I've been bombarded with an 0870 number (which after doing a Google search seems to relate to IF/HBOS), a number of which I've answered and they've all been silent.

 

I now refuse to answer them, partially because if I did speak to someone then what proof would I have of what might be said in a conversation.

 

I've indicated this in a couple of the letters I've sent. If you try to ring this number back it gives you absolutely no indication of who has called because it's a pretty basic answering machine message.

 

Then I got a letter from J & J Collections saying that I'd defaulted.

A while later I received another letter

- this time a litigation one from Blair, Oliver & Scott saying unless I made contact with them they'd take me to court.

 

They said I owed just under £12k and that I either need to pay that amount in full or come to an agreement on repayments.

 

This morning I received a letter saying that they'd agreed to my offer of £20 per month repayment, but there's absolutely no mention of an agreement with it.

 

Another member suggested I should get back in touch with BOS and say that because I'm in dispute with IF/HBOS then BOS should themselves get in touch with IF/HBOS and that I shouldn't make any payment as yet because as fair as BOS are concerned the matter has been sorted, and that I should stick to my guns because it wasn't my fault in the first place.

 

I do feel it has largely been one way communication and that despite my best efforts to get things sorted I've been treated me with utter disrespect.

 

Then a few days ago I actually received a letter from IF/HBOS asking me to provide more detail of my complaint as the only thing they'd received from me was a covering letter I'd just sent them (which I hasten to add was sent recorded delivery).

 

That means they've lost duplicates of the 19 previous pieces of correspondence which were included in the envelope, and supposedly they have no record of any of the original correspondence I'd sent.

 

Ten days ago I sent another full set of duplicates by recorded delivery and nothing has arrived according to Royal Mail's Track and Trace.

 

I'm about to send a S.A.R request to Intelligent Finance but just thought do I make the postal order out to them or HBOS?

 

Hope somebody pops in here soon to give me extra advice and guidance, but I'll keep at it anyway!!

 

Sent S.A.R to Intelligent Finance - 07/02.

 

Also sent CCA to Blair, Oliver & Scott - 07/02.

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Not much to say really as your doing exactly what I would do. Keep us informed please :)

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Thanks Tamadus.

 

Do you think that because my original agreement was cancelled then would they (if they send anything) have to send that or what should have been the updated version...even though there isn't one?

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Thanks Tamadus.

 

Do you think that because my original agreement was cancelled then would they (if they send anything) have to send that or what should have been the updated version...even though there isn't one?

 

They need to send something, and be quick about it. How about we give them a few days and see what if anything they come up with. To be honest there isnt much more you can do until they respond to your CCA request and S.A.R - (Subject Access Request).

 

Did you actually sign a second agreement with them ? Hope you sent both those letters by recorded delivery.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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No and this is the key to the problem...after they'd cancelled the first one they were going to send out a second agreement but never did. I've sent numerous letters to them and each one has been ignored.

 

And yes both letters were sent recorded delivery.

 

CCA sent to Blair, Oliver & Scott arrived and signed for this morning, still waiting on the S.A.R request to Intelligent Finance.

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If the original agreement was cancelled and no further agrrement was signed then I fail to see how it can be enforced.(presumably this is a new tac by dcas for unsuspecting clients to re-start the agreement )

There is also the matter of you being encouraged to take out additional loans to address the debt this is an area you should be looking at too.

In the case if unlawful bank penalty charges,loans that were seen to be given to clear these have successfully been claimed back too.

There are guidelines on those holding cca licences on the collection of debt and where financial hardship is evident then dcas are required to operate within the guidelines and laws set down.

I have moved your post from the bank forums as I believe it should be here.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Brilliant, that gives me a bit more to go on.

 

Really appreciate it.

 

Cheers

 

S.A.R request signed for by Intelligent Finance 09/02.

 

Just out of interest, has anyone encountered a similar situation to mine, and if so what was the outcome?

 

Still no record on the Royal Mail track and trace website about the complaint letter I sent to HBOS before I filed my S.A.R request having arrived.

 

Just an update...

 

Since my CCA request arrived at BOS last week I've received calls from two separate 0870 numbers - each about two or three times a day. Both have rung my mobile and the landline, although I refuse to answer any of them.

 

After the first 0870 call I tried ringing it back from work (number witheld, of course!) and the line was unobtainable. I didn't try ringing the second number back until now and surprise, surprise it's Blair, Oliver and Scott...although they only answered the phone by saying "Good afternoon, you're through to Blair (notice he didn't mention Oliver and Scott...have they gone off on holiday together (how cosy!) leaving poor old Blair to do all the dirty work himself!!).

 

I just put the phone down because I had no intention of speaking to them...but I wonder what they want? Any ideas??? Maybe they're going to offer me an all expenses paid trip to the Bahamas as a way of saying sorry for all the stress and anger they've caused...although knowing my luck I'll probably end up on the next seat to Mr Ollie and Mr Scott!!

 

Got the feeling a telephone harassment letter might be winging it's way upto Rosyth this afternoon!

 

Here's another little update...

 

Almost three weeks since posting my complaint to HBOS by recorded delivery it has finally arrived and been signed for.

 

As I sent my S.A.R and CCA requests after sending the complaint does it change my situation in any way?

 

Any more advice would be greatly appreciated.

 

Had a couple of days without any calls (seems a coinicidence it happened after my complaint letter arrived at HBOS HQ), but then got another one from Blair, Oliver and Scott this afternoon.

 

Is it 12 working days plus 2 that covers the first stage of a CCA request? The one I sent to Blair, Oliver and Scott arrived on Thursday, 8th February, so is it on Tuesday, 27th February that that initial period comes to an end, or are Saturday's counted as working days?

 

Needless to say I've still heard nothing.

 

Please guys, there must be someone who can answer my last question. Was the 12 working days after Blair, Oliver and Scott up yesterday, or do I have to wait until Tuesday before they are in default?

 

Well, the 12 days are up for the first stage of requesting a CCA and I've received absolutely nothing.

 

It's around a month since I last posted and by my reckoning the specified time for Intelligent Finance and Blair, Oliver and Scott to reply the CCA and S.A.R requests is now up, so do I just keep waiting?

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  • 1 month later...

Yeah sit and wait to see if you hear anything back. You could always report them to the OFT? The longer they go without supplying the CCA & SAR the worse it is for them.

27th September CCA sent to Sechiari Clarke & Mitchell - Commited Offence by not responding-Update, passed account to AIC. CCA AIC on 29/03/07

27th September CCA sent to Allied Credit International - not received, resent on 23th January 07-(still nothing on 30/03/07)

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Yeah sit and wait to see if you hear anything back. You could always report them to the OFT? The longer they go without supplying the CCA & SAR the worse it is for them.

 

Just wondering where I stand though with any defaults and because I still paid for a while despite not having an updated signed agreement I'm maybe being a bit hopeful but can I claim of of it back?

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  • 3 weeks later...

Almost another month has passed and still absolutely no response from IF/HBOS.

 

I know I've been told to just leave it and let them get in touch but I just find it so frustrating and feel in such a state of limbo.

 

I know I've asked this numerous times before but unfortunately haven't received many responses but can anyone offer any further advice?

 

I'd really like to know whetehr I can get any defaults cleared, can I reclaim any monies I've paid to IF in the past and does the fact they still haven't responded prove they don't have a true copy of my credit agreement?

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Thanks for that, but my main question is that because IF/HBOS still haven't responded where do I actually stand? Can I get in touch with them and say as they haven't proved I have a signed agreement with them I want the matter to be drawn to a close and for them to reimburse any payments? Maybe I'm just plucking at straws but it's getting to that stage.

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Cheers, but the problem here is that there isn't an updated signed agreement so in my mind it's slightly different from the link you posted and on that basis I really don't know where I stand.

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I am only guessing here but I would strongly suspect that they will argue that the agreemnt was never cancelled, and that they accepted lower payments due to your financial difficulties.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Do you think it would be worth doing a specific SAR on the original account as your original SAR did not specify from what I read. You will at least find out if that account has been closed and if it is reading Nil total also whether your additional payments went to pay off this account.

 

You should not be paying anything to them now as they defaulted and have commited an offence.

 

As it is a fair bit of money that is owed it is worth doing nothing at this stage as you may have no account to claim against regarding getting money back that you have paid.

 

Even if they did find an agreement after all this time they would have to go to court to enforce it, and as they have commited a criminal offence this would probably be unlikely as someone could go to the pokey.

 

If the account has been closed then you will have nothing to pay and that should be the end of it

 

If there is a default on your credit rating then it would be worth pursuing whoever has put it there to have it removed as no CCA has been forthcoming.

 

I am not an expert so comments from others would be useful in this case.

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I've just decided to have a look at my credit report through CreditExpert and it shows that in the status history listing for IF/HBOS...

 

The account is defaulted. You have failed to keep to your credit agreement and have not responded satisfactorily to requests to put your account in order. As a result the credit agreement has ended.

 

I'm slightly confused that there is only one mark listed for this account, and in particular it's the last sentence where it says "the credit agreement has been ended". It's strange that the updated date shown on the listing is 01/04/2007, just three days after the time for replying to my CCA request ended. And I haven't heard a thing since so can anybody shed any light on this?

 

bump

 

It's been a while since I last posted but I urgently need some help on this continuing debacle.

 

To start off with I still haven't received a copy of the credit agreement I requested in February, this despite requesting a S.A.R and CCA from the relevant companies.

 

Then in September I received a number of phone calls which I initially ignored. But as they started to become more frequent I did a 1471 and found the number was from a company called iQor.

 

Within days of these calls starting I then received a threatening letter from this company on behalf of Capital Bank demanding payment in full (no knowledge of this matter being passed on to Capital).

 

In reply to this letter I wrote on September 24th asking, again, for a copy of the CCA enclosing a further £1 postal order.

 

I then received a letter from iQor saying they had asked their client to send the requested paperwork to me directly and that the account was on hold awaiting confirmation from their client that this had been actioned.

 

Once again, I've not received anything, except three further threatening letters from iQor and one from a firm of debt recovery solicitors saying that if I don't contact iQor within ten days it is likely that legal action will be started.

 

In the last letter I received from iQor they said they were pleased to be able to offer me a substantial reduction on the outstanding balance, although they never mentioned what the reduction would amount to. This was obviously a way to get me to contact them which would basically mean I was admitting the debt. They also said the offer was only available for 72 hours from receipt of the letter which was dated the 16th October and received on the 22nd. They had no way of knowing when the letter would be delivered as I didn't need to sign for it.

 

Also, today the 42 day period for a CCA request is up and I've still not heard a thing.

 

It's not the most important aspect of this matter but there is also a slight discrepancy in the amount requested in various letters I've received.

 

What I'd like to know is do I stand and should I get in touch with iQor and mentioned they've breached my request?

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  • 6 months later...

Oh dear this account should NOT of been passed to a DCA as it is in dispute.

 

 

Here's a nice letter for Igor.

Edit as needed

ACCOUNT IN DISPUTE

Dear Sir or Madam,

Account number: XXXX XXXX XXXX XXXX

 

I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the **original creditor/DCA** and has been since DATE 2007.

Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

My last letter from **original creditor/DCA** was DATE and intimated that my complaint would be

resolved on **DATE**, this obviously hasn’t happened.

As **original creditor/DCA** are now in default of my Consumer Credit Act request, OFT Collection Guidelines, *Subject Access request and have also breached *s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE.

 

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

 

Now I would respectfully suggest that this account is returned to the **original creditor/DCA** for resolution of these defaults and breaches, as **New DCA** cannot lawfully pursue any enforcement activities.

 

If **New DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

*- Delete as needed

Enjoy

Be VERY careful whose advice you listen too

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