UUN vs Royal Bank of Scotland***WON***

[Curlyben]

If it helps write yourself a short script and keep to it.

Stay calm and let THEM do all the ranting and raving.

Remember to make sure you let them know you are recording the call.

They might say that you can't do that, but we all know different

[unique user name]

hello you, well still no comms.

[unique user name]

Well hello, the fun and games have started again.

Nothing from AIC, and nothing from Red Knight, but a lovely letter from Wescot

Here's how it goes.

Wescot Credit Services are a specialist Debt Collection organisation. We have been instructed by our client to collect the outstanding balance on their behalf

Normal blah blah blah and they have given me until 21st February to respond or they will send someone round or take me to court.

So am I right in thinking that I send the bemused letter about how they have been passed this account even though it is in dispute etc.....

[Curlyben]

Yep that's the one

[unique user name]

yippee i like that one

[unique user name]

congratulations cb, just read about your son

well done

[unique user name]

now have another letterfrom wescott but its red, with final notice on, even though they have had my letter they are continuing, and have given me 7 days, or this will go to court they have already added some court fees any suggestions

[Curlyben]

Ok throw this at them.

Formal Complaint

Letter before Action

 

Dear Sir/Madam,

 

Thank you for your letter of xx/xx/xx, the contents of which have been noted.

 

May I draw you attention to my letter of XX/xx/xx in which I clearly out lined my position concerning this matter. I enclose a copy for your perusal and ease of reference.

 

**CREDITOR** has failed in my lawful request under the Consumer Credit Act 1974 section 78(1) and subsequent Statutory Instruments.

I formally advise you that since **CREDITOR** has failed to comply with the terms of the Consumer Credit Act that as from **DATE** they are in legal default on this alleged agreement. This default means that the alleged agreement from this date is totally unenforceable. **CREDITOR** may not apply any charges, cannot issue defaults, cannot sell or assign the alleged debt or cannot invoke any clause within the alleged agreement.

 

Furthermore you should be aware that a creditor is not permitted to take ANY Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* may not demand any payment on the account, nor am I obliged to offer any payment to you.

* may not add further interest or any charges to the account.

* may not pass the account to a third party.

* may not register any information in respect of the account with any credit reference agency.

* may not issue a default notice related to the account.

 

Therefore this account has become unenforceable at law.

 

As **CREDITOR** have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

 

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

 

The mere fact that they have passed this account to you while it is in dispute and default is also in breach of the Data Protection Act 1998.

 

After taking advice, I am of the opinion that your continued pursuit is in violation of the Administration of Justice Act 1970 section 40, Protection from harassment Act 1997 section 3 as well as breaching a number of the OFT Collection Guidelines.

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets.

 

I would appreciate your due diligence in this matter.

 

I await your rapid response.

 

Yours Faithfully,

[unique user name]

had reply to my letter, apologising as they were not aware of the unfortunate situation, and they now need to inestigate it, and out of courtesy they will stop all charges/interest etc, and will make contact to chase, but may at some point need to communicate with me to finalise the investigation

[Curlyben]

Yeah yeah whatever

[unique user name]

oh i think they were just caring

[unique user name]

Had another letter from wescott just to keep me updated, that my complaint had gone to their legal dep, and they would be in contact shortly!!!!!!!!!!

[Curlyben]

*Yawn*

Is this before or after they put their crayons away and find their dictionary

[unique user name]

had my final letter from wescott, i ill type it all out later, cause its such a nice one but basically they admit thy do not hav any documents and passed back to client, another one bites the dust

[Brassed off]

 

Woo hoo - another one bites the dust hun

 

Well done

 

Gonna give us the scores on the doors then?

[unique user name]

i have lost count, i will have to go thorough my book later, i know its 4 solicitors,

[Brassed off]

You just have to go one better don't you

[unique user name]

i might produce an online dca directory, so i can mark the ones off that i have had, surely there can't be many more, they just keep swopping all the time

[unique user name]

it gives me the impression a bit like speed dating on the telly in the sitcoms (god i must get out more!!!) i suppose we could call it speed debting

[unique user name]

As promised - just want to share wescot apology letter, please do not burst my bubble, as I am in the believe that this is a personal letter directly to me, and not just the normal garbage they send when then have didlyswot!!!!!!!!!

 

I refer to your letter dated 16 February 2008, which was refered to me for my reponse.

Thank you for bringing this matter to our attention. This account was passed onto wescot for collection by our and when we contacted you, we were acting in good faith on the information provided to us. The points you raise relate to our client and to issues which arose before the account was sent to us, and accordingly we do not have the relevant information to be able to resolve this for you.

In the circumstances, I confirm that our records have now been updated and the account has been closed and returned to our client. If you require any further information regarding this matter, you will need to contact our client direct.

May I assure you that Wescot has not registered any debt against your name and address in respect of this matter and your credit status, therefore, remains unchanged by our actions.

I hope this clarifies and concludes Wescot's involvement in this matter to your satisfaction and I apolgise for any inconvenience this may have caused you.

 

"Please add me to your list of defeated DCA's"

[Brassed off]

I won't burst your bubble UUN

 

Regardless of what they say, I'd check your credit file out anyway - just in case

 

"Please add me to your list of defeated DCA's"

 

If only.................

[unique user name]

oh not to forger the company that calls itself

A debt investigation company.

who does that come under

dca

solicitor

intimidation bureau (looked this section up in the yellow pages, it doesn't exist)

[Brassed off]

Try "Google"

[unique user name]

og my god, just tried it lol!

an apart from the FBI coming up, my little black book online directory came up.

(damn some techno freak came up with the idea before me)

[Brassed off]

:lol: