Argos Card & JB Debt Recovery

[fuzzybobble]

I replied to MIL Collections with a fuzzybobble special letter.

It's basically the no cca get stuffed one but I also added......

 

Also failing to provide a CCA or any proof I owe this alledged debt, are Moorcroft, Frederickson International, Bryan Carter Solicitors, Capquest, Asset Collections and Investigations Ltd. JB Debt Recovery.

 

If MIL Collections would like to be added to this list of failed attempts at debt collection, then please let me know as soon as possible. :D:D

 

Yes I did add the smilies to the actual letter.

[N.P]

HI gang,

 

Right, just to let you know I sent off Scarlets `Dear Clowns` letter yesterday.

 

We shall see what happens next.

 

Fuzzy, it would seem we have been hassled by the same DCA`s also, only I haven`t heard from Crapquest yet.

 

 

 

N.P

[N.P]

Evening all,

 

It`s been a while with this one, but it seems someone is trying to spoil my Christmas, although moving house in the next week will take some beating. We need a 3 bedroom for the kids.

 

Anyways, this morning I received the following from some ball-bag at DLC.

 

It goes something like this -

 

 

 

 

 

 

Also included in the envelope was a letter originally what looks like from Argos.

 

 

 

 

 

 

Also included was a cheap looking expenditure sheet, asking if I`m a house owner and am I employed.

 

I can`t say I`ve had any dealings with these before, but I`m kind of wondering why Argos would pass the account on. This account has been through quite a few DCA`s and Solicitors.

 

Any idea`s people?

 

I`d also like to take this opportunity to wish you all a very Merry Christmas and all the best for the New Year, and we`ll all need it, with the way Judges are denying us of our rights under the CCA, to protect the financial wellbeing of our bankrupt and extortionate country.

 

Ciao for now.

 

 

 

N.P

[blind-as-a-bat]

I got the same last week, seems that argos have sold a book of debt to this lot, ignoring it for now, not suggesting you do, i have my reasons why i am;)

 

Will have to see what they do next, im assuming they dont have a valid CCA?

[N.P]

Hi Baab,

 

Sorry, I thought I`d placed a Link to it.

 

The CCA can be found here - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/106494-argos-card-jb-debt-15.html#post1818394

 

Whats you think dude?

[blind-as-a-bat]

Will have to dig mine out tommorow, and do some digging, but something seems odd to me, wont say anymore for now just in case i am wrong:-?

[N.P]

Ok bud,

 

Mine has PPI added, but it`s just a tick in a box, anyone could have ticked that box at any time.

 

Although the CCA has on that PPI is xxp in the pound, it doesn`t state the amount of interest.

 

Also, the statements they sent me had the monthly interest and charges combined, instead of itemising them, so, one can`t really work out what the true costs.

 

Let me know what you find

 

I might just see what comes next, then send them my account in dispute letter, which I`ve sent out a number of times now, to various clowns.

[blind-as-a-bat]

Ok the nearest i could find was signed five months after yours, so it is possible they changed the agreemants in that time scale, but for the worse?????? doubt it:rolleyes:

 

Yours looks enforceable, i can just make out the APR, but i also think its a forgery.

 

Firstly no where on yours is an account number, why, because the staff wrote it in on the left hand side;)

 

 

Also note the dotted line above the DD section, it suddenly stops two thirds the way along on yours, while not conclusive, a tad odd dont you think?

 

Also the DD is missing boxes for originators and referance numbers, how would the bank know who to pay or to what account the payment applied????? so is incomplete

 

The only way to be 100% sure is to find someone with a copy signed exactly when yours was, even better if the print run numbers down the side match, But im as sure as i can be thats not a copy of an argos agreemant

 

 

Sorry if im reapeating something that has aready been said, have not had time to read the other 20 pages

Edited December 24, 2009 by blind-as-a-bat

[N.P]

Hi Baab,

 

Thanks for the post.

 

Mmmm, that is quite interesting. Now, they could say the agreement is also a Direct Debit mandate, BUT, if the whole sheet was sent to the Bank, then Argos would not hold the original agreement.

 

So, if they cut off the bottom bit to give to the Bank, the Bank then does not have any reference / account numbers, as you point out.

 

And yes, now you`ve mentioned it, there is no reference / account numbers on the actual agreement, in which case, as you also point out, how could they prove that the account number on the card was attached to my actual account?

 

I`m also curios as to why Argos would sell this account on, as it has been through no less than 7 DCA`s and Solicitors.

 

Does anyone else have any thoughts on this?

 

Thanks again.

 

 

 

N.P

 

 

P.S. Do you know you agreement has your name on? It`s in the `For Office Use Only` box.

[blind-as-a-bat]

 

 

P.S. Do you know you agreement has your name on? It`s in the `For Office Use Only` box.

 

Not mine, nor the customer, it was the staff members name, removed it anyway:)

 

That is not my agreemant, mine is from 2004, but is identical to that, I searched for one that was taken out as close to yours as i could to see if they had changed, they had not, which is my point, yours has been photoshoped to 'squeeze' in the prescribed terms;)

 

Thats why its been dumped sold to a DCA because the real one you would have signed did not have them there:rolleyes:

Edited December 24, 2009 by blind-as-a-bat

[Help48xxx]

Hi folks!

 

just thought you'd like to know that I got the exact same letters from dlc. Ive told them to get lost as Argos Card Services didn't even manage to provide me with a CCA so they have got no chance!

 

As was said, it seems Argos have sold the alleged debts on to this bunch of no-hopers who have a snowballs chance in hell of recovering jack schidt from their investment...Happy Christmas dlc

 

xx

[N.P]

Hi Help48xxx,

 

Thanks for the input.

 

These DC`s must be really numb in the head. They simply can`t check the status of accounts that they buy. I mean, if an account was legite, why would Argos sell on loads of accounts?

 

The mind boggles. It has been for a while.

 

Merry Christmas to all Caggers.

 

Catch you later.

 

 

 

N.P

[fuzzybobble]

Hi NP

 

Had the same DLC letter myself a couple of days before christmas. Nobody has managed to send an Argos application form for me yet though.

 

I sent DLC a CCA request this morning. Be interesting to see what they come back with. I also noticed when going through my Argos paperwork that they didn't sent a Default Notice before selling the account to DLC. Looks like they have bought a bunch of accounts from Argos that they'll not make a single penny on. lol.

 

You would think by now that the DCA's would be checking that debts are enforceable before buying them.

[Help48xxx]

Am beginning to think that DLC stands for dumba$$ little chancers. :D

 

xx

[fuzzybobble]

I can think of a far ruder and shorter word than "chancers" to sum up DLC. By the way DLC is a trading name of Hillesden Securities. Quite well known here for chasing the unenforceable.

 

Got a feeling I'm going to be having some fun with this lot. Time to get out the recording gear and a kidney donor card.

 

I sent them my CCA request and added the following from my letter a few months back to the last lot of losers chasing this account....

 

It's basically the no cca get stuffed one but I also added......

 

Also failing to provide a CCA or any proof I owe this alledged debt, are Moorcroft, Frederickson International, Bryan Carter Solicitors, Capquest, Asset Collections and Investigations Ltd. JB Debt Recovery, and MIL Collections.

 

If DLC would like to be added to this list of failed attempts at debt collection, then please let me know as soon as possible. :grin::grin::grin:

[N.P]

Evening boys and girls,

 

Right, I got another letter this morning from these cranks.

 

I don`t have amy scanner and printer sorted out yet, as we have just moved house and the place is a tip. We don`t even have a phone line, but are getting one installed next week. At the moment, I am using my mobile as a modem.

 

Anyway, the letter goes something like this -

 

 

 

Dear N.P

 

You have failed to respond to our previous letter and the balance remains unpaid.

 

Please telephone us immediately on 0844 3358498 to discuss your payment options which includes;

 

1. A discounted lump sum in full and final settlement. (We will then sell on the remaining balance to some other gimp who will then hassle you).

2. Monthly payments over an agreed ter,.

 

Failure to respond to this letter may result in Legal action and additional costs may be added to your balance.

 

Yours sincerley.

 

K.N.O.B Jockey.

 

 

 

Has anyone else had one of these yet? I`m thinking of sending them a letter at the weekend, stating they have been mis-sold the account and need to contact Argos for a refund, unless they can supply me with a legite CCA instead of a Photoshop forgery.

 

 

 

N.P

[pecky1]

Hi NP

They dont give up do they mine is still on going with cabot they still write to me i write back with account in dispute now its got to the stage where i just write back take me to court then! All good fun and games hope your move goes okay.

Pecky1

[fuzzybobble]

I got one this morning, and it's exactly the same letter word for word. If they're offering a discount if you pay in full, then it's either to tempt you into calling and agreeing to stuff or they know it's unenforceable and that's why they've paid peanuts for it.

 

I just sent them a CCA request and a cease and desist processing my personal data without permission. On their previous bit of loo paper they sent me they stated that they would be reporting on my credit file within 30 days.

[N.P]

Hi Pecky and fuzzy,

 

Good to hear from you again Pecky I hope your doing well.

 

Fuzzy, do you have your letter handy for your cease and desist processing of your personal data? Could I whip it off ya please?

 

Also, which template are you using for your CCA request? I think I only have old versions hanging around.

 

Yeah, they also they stated they would bombard my credit rating also, not that I`m bothered. I don`t think any more nasties on there will make any difference

 

Ciao for now

 

 

 

N.P

[Help48xxx]

I got one too, so can I join your club?

 

How very dare they say they haven't heard from Moi! They did, and even signed for it so it's there for all to see. They wouldn't be lying by any chance would they? I mean, a DCA that doesn't tell the truth..that's almost unheard of

 

As for me, I'm not bovvered. Not one of the DCA's that Argos set on me have been able to supply a CCA. Why? Because they don't have one. I'm not even going to waste £1 on a CCA request. So I will, (whenever I can be ar$ed), write back and tell them politely to put up, or shut up.

 

xx

[N.P]

Evening all,

 

Right, this morning I had another silly letter from those empty heads at DLC, or whatever they call themselves.

 

We are still very much so, in a mess following our recent move, and my home network, including server, printer, router etc is not yet up and running again. I am simply using a PC connected to my mobile phone, for a modem.

 

Anyways, FUZZYBOBBLE, do you copy? Could you paste up a copy of your recent CCA request and also your `cease and desist processing your private data` letter please? I have all my letters etc on my server which is still offline at the moment. I have a lot of decorating to do before I knock everything back up. Thanks in advance

 

Anyways, my scanner is still boxed up somewhere, so the letter goes something like this -

 

 

 

NOTICE OF DEBT RECOVERY

dlc are specialist DEBT COLLECTIONS organisation. We have been instructed by our client to collect the outstanding balance on their behalf.

You should read this Notice carefully, follow the instructions and reply IMMEDIATELY. If your details are incorrect or you have any queries, contact our Central Recovery Office on the above number.

Should you FAIL to reply to this notice by the date specified, the action detailed below may be taken.

Blah, blah, blah,

Instructions to Solicitors to commence legal action, or a debt collector to visit and collect the debt personally.

Customers can prevent this by contacting the above priority telephone number. WOW, my very own hotline

 

 

 

Anyways, has anyone anything at hand to send them, untill I get fully up and running again.

 

By the way, this letter went to our old house. We popped down today to shovel up some more stuff.

 

Thanks all.

 

Catch you later.

 

 

 

N.P

[fuzzybobble]

I just used the CCA request from the CAG templates library, as it's been updated.

Only changes were a digital signature, just in case they try and pass off a photoshopped job as they genuine article, and I have something to hang them with if they say it is. I also added the following line.

 

"On the letter you sent on 15th December 2009 you stated you will start reporting against my credit file within 30 days of this letter. May I remind you I have never given your company my permission to process my personal information. Any adverse information you add to my credit file will be deemed as defamatory, as well as a breach of the Data Protection Act, and will be dealt with accordingly."

 

I'm hoping they'll come back with a CCA containing my digital signature, and then get to to say in writing that it is a true copy of the agreement. Then I can sit back and laugh at them. I also have an improperly served DN with more things wrong with it than a waiting room full of hypocondriacts.

[N.P]

Hi Fuzzy dude,

 

Ok, I`ll whip that CCA off later and have it sent recorded delivery, with our new address on, so I know they have received it and don`t try anything by sending all stuff to the old house, like a claim form which I wouldn`t know about.

 

I don`t think I actually received a DN from Argos, I can`t remember seeing one.

 

Catch you later.

 

 

 

N.P

[fuzzybobble]

May be worth you trying the digital signature thing. I got a nice one I knocked up in photoshop. Looks like it was done with one of those gel pens in blue, while the letter is printed in black. I'll laugh my socks off if it shows up on an argos application form in a few weeks time.

[pigsic]

Hi N.P

Afer all this time mum had the same letter on the 18 Dec but i have not had time to do anything then a letter on the 5 jan then onther on the 12 january. So argos must off been doing some selling but have not had our permission. will post mum letters up on my thread if any one can help

thanks lisa