Droyds / La Redoute

[Catchleen]

Thanks for the help. When I got home last night, I had in the post another letter from them - I've forgotten to bring it to work - but it is stating that the agreement is unenforceable but I still owe the money as I bought the items. That I am aware of, of course, but at least I can make a token payment and get them off my back. I've got bigger debts than their £500 and they are accepting token payments. I'll post the details tonight or tomorrow as they may be of use to others. Thanks again,I'm starting to get the hang of this - it's quite a sport!!

[Catchleen]

Here is the exact wording in the letter received from FW Oakes:

 

"Dear Mrs X,

On behalf of my client, La Redoute, I am responding to your recent correspondence. My client agrees the debt is unenforceable and further action has been withdrawn. However orders have been placed and payment made and an amount remains outstanding, therefore the debt will remain registered at a Credit Reference Agency.

Yours faithfully,

FW Oakes"

 

I'm going to write to La Redoute and offer a token payment of £1.00.

[elliesnan]

there is a letter on thread dpick oh v reliable collections which you can send to La Redoubte telling them that no CCA means they cannot pass your details to a third party or put adverse comments on your credit file have a read

[harrythehawk]

That is good news, you are now in the driving seat and when things pick up for you then it will be a good position for you to make a full & final settlement, as things stand the debt will sit on a credit file for six years and fall off unless you can clear it, better for them to get some of it back than nothing so start nice and low when the time is right, otherwise pressure is off !! Well done !!

[elliesnan]

Gold Account Customer

 

Join Date: Feb 2007

Location: Teesside

Posts: 613

 

 

dpick oh v reliable collections/jd williams

[Catchleen]

Thanks for the link elliesnon, I'll have a look and harrythehawk, I hadn't thought of offering a full and final settlement, so I may just leave the token payment for a few months and then look at it - if/when I get my charges back from the bank! Thanks for all your help, I really appreciate it. If I can return the support, let me know x

[dolphin939]

i have a debt with empire stores of 283.00 and droyds have taken it over, i have requested cca and they have sent a blank credit agreement what do i do now? thanks lorraine

[rory32]

Lorraine, you need to start your own thread on this (post a link if you want). What they have supplied you with complies with their obligations under the Act but obviously is not an enforceable agreement.