Advice sought ~ Thames Credit / YES car credit

[reduk054]

Always the optimist

 

Kinda look forward to the post arriving these days

 

Have a great weekend Red

 

Mike

 

Hey Mike you mean you kinda look forward to the post NOT arriving!

Have a great weekend too (no post on Sundays though;) )

Red

[mikepj]

not heard anything on this matter for a few weeks & thought you'd like an update

 

Thames are now well into in default so I've cancelled my DD.

 

Shortly after, muppet from Thames phones demanding I talk to them about a serious matter on the account, I inform them that they are not to call again as they are harrassing me by phone & to put anything they want to say in writing. I hang up & then e-mail this off:

 

ACCOUNT NUMBER: $$$$$$$

 

THIS COMMUNICATION IS NOT AN ACKNOWLEDGEMENT OF ANY DEBT

 

Dear Sirs

 

I am writing in relation to the telephone call that I have received from your company, which I deem to be personally harassing.

 

We have verbally requested that these cease DURING your call this morning.

 

I now require all further correspondence, if any from your company to be made in writing only.

I am of the view that your harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Be advised that any further telephone calls from your company will be recorded and will result in immediate complaints to OFFCOM, the TSO & the OFT.

 

I also refer you to my recorded letter dated 3rd July 2007 signed for by K.Good at 08:30 on 5th July which you have obviously chosen to ignore.

 

As you have defaulted on my request under Section 77(1) and Section 78(1) of the Consumer Credit Act 1974, this account became unenforceable at law on July 9th 2007 and it is now my intention to refer this matter to the enforcement authorities.

 

Yours faithfully,

Me

 

 

I've now received a letter dated the day before the call saying that they are "very concerned that we've cancelled the DD" & that "it is imperitive to contact them without delay to discuss this cancellation as our agreement has been breached".

 

They go on to say that if they do not hear from me as a matter of urgency then they will return the account to their collections division.

 

I guess that means threats, threats & more threats...

 

when will these people learn

 

 

 

 

 

[rory32]

They go on to say that if they do not hear from me as a matter of urgency then they will return the account to their collections division.

 

 

Ooh scary - not.

 

This is just demonstrating that they are becoming frustrated because in reality they know they can't enforce the debt as things stand.

[John Atkinson]

Hello

 

Try these guys on Yes Car Credit Car Credit Complaints - One Commuinty - Unrivalled Support (Powered by Invision Power Board)

 

I'm sure thay will be able to offer a bit of advice!

 

Regards

 

John A.