Park Direct Credit Ltd & Lewis Debt Services

[popman]

Hello, Good evening and Welcome to the world of Popman......

 

Long story short, my partner had a cash loan from Park Direct Credit Ltd back in 21/06/2005, TAP of £795. The collection agent was very random in her calls to collect the payments. But in the last 12 months we have not seen her at all.

 

Today, i arrived home from work to find a strange man in my house claiming to be from Lewis Debt Services. He claims that Park went bust and that they are now collecting the money, although they did not want too. I smelt a rat here. So i gets on the interweb, goes to Parks website to find that they sold the Park Direct Credit part of their group to CL Finnce.

 

We have NEVER had any letters from either Park or CL notifing of the sale of the bussines/debt or and notice of assignment of the debt.

 

This is my plan of action.

 

1, Write to LDS asking for CCA/Assignment/Deed of debt.

 

Am i going about this the right way ?

[dx100uk]

cheeky beggers.

yep great idea

bet that will be the last you hear from them.

have a look in the debt collection forum

lots of good info there too

 

dx100uk

[popman]

Here is the letter i will be sending.

 

1 High Street,

Newtown,

Kent

R21 4RH

June 28, 2006

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

Dear Sir/Madam

 

Re:− Account/Reference Number 4563210025897412

 

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

 

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

 

We understand a copy of our credit agreement should be supplied within 12 working days.

 

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

You are further notified that you are obliged to supply these documents, whether you are the original creditor or not under section 189 of the Consumer Credit Act 1974.

Please be advised that I am only prepared to communicate with you in writing and therefore, if it remains your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

There is only an implied license under Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

 

Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property, and if you do so, then you will be liable to damages for a tort of trespass. You would also be conspiring in a trespass if you sent someone to visit me nevertheless. Should it be necessary, I will obtain an injunction.

 

We look forward to hearing from you.

 

Yours faithfully

Mr A N Other

[dx100uk]

i would also add a top line stating you deny any debt to the Co. etc

 

dx100uk