Jump to content


Meritforce - the story so far


angelfire
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5162 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi everyone, i've been reading the posts on here for a couple of days and am hoping that you may be able to give me a little advice. I have a few things debt-related to sort out and will begin with Meritforce.

 

This company are chasing me for around 9k, on behalf of HSBC bank. Now I can only assume it's actually a loan i had with HSBC about 8 years ago. The loan, however was only 5k and i'd paid some off before I defaulted so i don't know where 9k has come from..

 

anyway, I've sent Mertforce a letter, with a cheque for £1, asking for a letter of assignment and a copy of the original credit agreement signed by myself. I sent the letter (recorded delivery) on 18th july and gave them until today, Aug 2nd to reply.

 

Am I correct in thinking that I need to send them a follow-up letter now telling them they can't chase me for the money?

 

In addition to this, at the time i was living with someone (my ex), who (I'm sure) signed to say they would pay the loan off if I didn't. Part of the reason i think this is because when meritforce first contacted me, i wrote to them telling them it was statute barred, but they wrote back saying they had evidence of correspondence from me and quoted my ex's address.

 

tis all a bit complicated I know, but at this point I really need to know what to do next..?

 

Thanks in advance guys :-)

Link to post
Share on other sites

No follow up letter is neccesary at this stage .

 

Just do not pay until the deliver to you a properly executed Consumer Credit Agreement.

 

If they try it on with your ex tell them to CCA them as well.

 

After a further 30 days and if they persist report them to TS, if they do not contact you after 3 months report them to TS.

 

Cheers

 

Cas

Link to post
Share on other sites

Once they're in default, may be worth a SAR to see just what their 'evidence of correspondence' is.....

 

;)

Barclays (2 accounts) WON

Lloyds TSB (Daughter's) WON

 

Cohen's: WON (discontinued)

DLC: Given up, gone away.

Eversheds: Trying!

Equidebt: In default

Intrum J: Return to OC

iQor: Stopped paying.

Link: In default.

ScotCall: Return to OC

Thames: Stopped paying.

 

 

I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.

Link to post
Share on other sites

When did they receive your request? The 12 days are working days from receipt of your request e.g if they received it on the 20th the first full working day would be the 23rd. The default occurs on the 13th working day.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Okay so default day would be the 7th August (which is when you can start withholding payments).

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Assuming the letter arrived on July 19 the 12-working day limit is up[ tomorrow. You should allow at least two days for postal delays but the letter, if there is one, should be postmarked August 3 at the latest.

 

The calendar month starts tomorrow. If the default runs beyond September 1 Meritfarce should be reported to Trading Standards at your local council and OFT. Don't be fobbed off, both agencies are under an obligation to investigate your complaint.

 

Another way of reporting them would be to ask for details of the Meritfarce complaints procedure. As Consumer Credit licence holders they are oblged to have one. Follow the steps as outlined, if they send it to you, and if there is no resolution report them to the Financial Services Ombudsman. If they don't send you the complaints procedure at all within a reasonable time (say 14 days) report them directly to the FOS.

Link to post
Share on other sites

Assuming the letter arrived on July 19 the 12-working day limit is up[ tomorrow

They are full working days so 20th is the first working day (the day of receipt is not a full working day). They have 12 working days to reply so the 12th day would be the 6th. Therefore default day is the 7th (they do not default until the 13th working day).

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Hello Angelfire and welcome to CAG.

You need to find out if your ex did sign anything, I think, because that would then implicate him in the debt.

 

But the CCA route is the best one you can take at this point.

 

Used to know someone called Angelfire......;)

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...