Fred Bassett v Halifax

[Fred Bassett]

 

Wescot Credit Services Ltd.

PO Box 137

Hull

HU2 8HF

FAO Miss xxxxxxxxxxxxxxx

 

6th December 2008

 

Dear Miss xxxxxxxxxxxxxxx,

 

Your Reference: xxxxxxxxxxxxxxxxx

 

Thank you for your letter dated 4th December 2008. I note that it may take you up to 30 days to obtain a copy of the “opening agreement”.

 

If it helps, I could send you a copy of one of the ones I already have.

 

Yours sincerely,

 

 

Fred Bassett

[Sabrina470]

So funny Fred....I'm sitting here giggling away. I love the combination of incompetence and liar bit...

[Fred Bassett]

Thanks Sabrina, they're a bunch of clowns aren't they?

 

Regards.

 

Fred

[Fred Bassett]

[Fred Bassett]

Ah - wrong place. This is in relation to my preference account, the one that IQOR gave up on. Now I've got the pleasure of dealing with Wescot on 2 accounts. I'll repost in the appropriate thread.

 

Fred

[Sabrina470]

Twice the fun then....you can give them double grief

[Fred Bassett]

Twice the fun then....you can give them double grief

 

Well I try to please!

 

Regards.

 

Fred

[Fred Bassett]

Wescot Credit Services Ltd.

PO Box 137

Hull

HU2 8HF

FAO xxxxxxxxxxxxxx

Process and Compliance Co-ordinator

 

11th December 2008

 

Dear Ms xxxxxxxxxx,

 

Your Reference: xxxxxxxxxxxxxxx

 

Thank you for your letter dated 8th December 2008 in which you have enclosed yet another copy of an application form, which is now being referred to as my “opening agreement”.

 

I am somewhat taken aback by your request for me to provide full details of my dispute with the Halifax. I don’t consider it to be incumbent on me to do this and would suggest that you refer the matter to the Halifax themselves. You might, however care to look at my email dated 2nd December 2008.

 

I accept that Wescot may have been attempting to contact me in relation to a different account as I have since had a letter confirming this – a matter I was previously unaware of.

 

Yours sincerely,

 

 

Fred Bassett

[nosnibor]

Subbing

[clemma]

subbing

[Fred Bassett]

Wescot. Ever hopeful, always hopeless.

 

Fred

 

[reallymadwoman]

Community charge arrears? Isn't it about time they reprinted their forms?

 

I know you know better than to provide any of this information Fred, but for anyone less wise, the last thing you want to do is give details like name and address of employer ...

[Fred Bassett]

Community charge arrears? Isn't it about time they reprinted their forms?

 

I know you know better than to provide any of this information Fred, but for anyone less wise, the last thing you want to do is give details like name and address of employer ...

 

Don't worry RMW, I won't be filling it it and I won't be paying them a penny until Halifax come up with an enforceable agreement.

 

Regards.

 

Fred

[cashins]

Fred, I'm suprised at you!

 

We're talking Westcot here and you really should be more tolerant with people with 'special needs'

 

David:D

[Fred Bassett]

Fred, I'm suprised at you!

 

We're talking Westcot here and you really should be more tolerant with people with 'special needs'

 

David:D

 

Not to mention the 6 fingers on each hand.

 

Regards.

 

Fred

[Fred Bassett]

Well it looks as if Wescot have given up on me without having the decency to send me a letter telling me so and allowing me to gloat over it. This one is now with my mates IQOR. I've seen them off on my BoS account and they are also dealing with my MBNA account.

 

I don't think they'll last long on this one.

 

 

Regards.

 

Fred

[cashins]

Well it looks as if Wescot have given up on me without having the decency to send me a letter telling me so and allowing me to gloat over it.

 

Shocking isn't it, especially as they have the documents 'to validate the debt'

 

David

[findingthecheese]

Hi Fred!

 

Happy New Year! Good to see that you're hanging tough!

 

Keep up the good work.

 

Westcot have turned their attentions on me - bemused letter will be on its way tomorrow.

 

I love being a member of such an inclusive club...!

 

ftc.

[Fred Bassett]

IQOR

33/34 Winckley Square

Preston

PR1 3EL

 

FAO xxxxxxxxxxxxxxxxxxxx

 

17th January 2009.

 

Dear Sir,

 

Account In Dispute – I Acknowledge No Debt to your Company

 

ACCOUNT NUMBER: xxxxxxxxxxxxxxxxxxxxxx

YOUR Ref.: xxxxxxxxxxxxxxxxxxx

 

I was rather surprised to receive this letter because this account is in dispute with the Halifax/Bank of Scotland and has been since 11th May 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

 

As Halifax are now in default of my Consumer Credit Act request, OFT Collection Guidelines, I consider this account to be in SERIOUS DISPUTE.

 

The document that Halifax are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both Halifax and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, they are also obliged to send me a copy of that document.

 

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.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Now I would respectfully suggest that this account is returned to the Halifax for resolution of these defaults and breaches, as IQOR cannot lawfully pursue any enforcement activities.

 

If IQOR 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.

 

After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines

 

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

 

Whilst writing I note that you have been telephoning me. Kindly remove my telephone numbers from your systems immediately because I will only correspond with you in writing. Please confirm that you have done so by return. I will happily accept correspondence by email.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing or by email.

 

 

Yours faithfully

 

 

Fred Bassett

 

[clemma]

Iqor are going to ensure you receive no more collection calls on the 15/01/2009.......

 

I think someone needs to proof read their letters before they send them out

[Fred Bassett]

Iqor are going to ensure you receive no more collection calls on the 15/01/2009.......

 

I think someone needs to proof read their letters before they send them out

 

It takes a giant leap of imagination to connect the word IQOR with the ability to read, let alone understand the contents. It was a strange one though, almost as if somebody had simultaneously hit "letter 5" and "letter 6" at the same time and the threatogram machine churned out a hybrid of the 2.

 

Happy days.

 

Regards.

 

Fred

[cashins]

It takes a giant leap of imagination to connect the word IQOR with the ability to read, let alone understand the contents.

 

A master of understatement Fred.

 

David

[Fred Bassett]

It's been quiet on the Halifax front for a while but today I received this letter from the lovely Dawn Hood who I thought worked for that 'Professional' Debt Collection Agency Blair Oliver and Scott.

 

What a nice letter, they've offered me a 40% discount on a completely unenforceable debt but they've also warned me that they may sell this on to an external agency. Presumably they think this external agency will succeed where Blair Oliver and Scott, Moorcroft (Pre-Pubescent Division), Wescot and IQOR all failed. Surprisngly, I will not be taking them up on their offer.

 

I wonder who is going to buy this pig in the poke. Any guesses anyone? I do hope it's IQOR because they're the most fun to deal with and I've already run rings around them on this one, MBNA and BoS. I dream about some poor sod in his office in Preston choking on his black pudding sandwich as he sees my name appear at the top of his hit list!

 

Regards to all.

 

Fred

 

[bazaar]

Fred you forgot the Cheesey Peas side dish

[Fred Bassett]

Fred you forgot the Cheesey Peas side dish

 

Ah well that's because I didn't know it was a Lancastrian delicacy. It's years since I've been to that neck of the woods.

 

Fred