Lewis/UK Default Recovery / Advantis chasing old Open+Direct Loan [ex citibank loan]

[anney63]

Has anybody heard of this company ???

[gemspan]

Nope. Never heard of them. What do they do?

 

Gemspan

[anney63]

Looks Like a debt recovery letter. Large RED letters DO NOT IGNORE THIS LETTER Would scare anyone who was not aware of the way these people work

[anney63]

Well wrote to this company 31/3 enclosed the £1. Today received this response.

"I refer to your letter dated 31st March asking for detailed breakdown of the ABOVE ACCOUNT.

This is an account we purchased from ******** unfortunately we are unable to obtain ant details from them.

 

Please can you contact myself on the above telephone number to discuss the matter further."

 

Do I just ignore this now as they cannot furnish me with anything at all ?????????

They have also cashed the cheque

[anney63]

bump!!!!!!!!!!! anybody please

[Curlyben]

DON'T call them at all.

Keep everything in writing and tell them that is what you want.

 

You need to make it clear that by non-compliance of a correct CCA request they cannot try and enforce this debt.

This doesn't mean the debt is wipped, just they can't try and collect on it.

 

They are over the first hurdle of 12+2 working days, just need to get to an extra month and they commit and offence with a maximum fine of £2500 and/or 3 months in prison.

 

Send them a CCA non com letter:

I refer to my letters dated XXXXXXXX which was delivered via recorded delivery to your offices on XXXXXXXX, and my follow up letter dated XXXXXXXX.

 

In my letter xxxxxxI made a formal request for a copy of the signed, executed credit agreement for the above numbered XXXXXXXX account under section 77(1) and section 78(1) of the Consumer Credit Act. In addition a statement of my account should have been sent along with any other document mentioned in the credit agreement.

 

The Consumer Credit Act allows 12 working days for this request to be carried out before your company enter into a default situation. If the request is not satisfied after a further 30 calendar days, Your company commit an offence. These time limits expired on XXXXXXXX and XXXXXXXX respectively.

 

As you are no doubt aware subsection (6) states:

 

If the creditor under an agreement fails to comply with subsection (1)—

 

(a) He is not entitled, while the default continues, to enforce the agreement; and

(b) If the default continues for one month he commits an offence.

 

Therefore as at XXXXXXXX this account became unenforceable at law and it is now my intention to refer this matter to the enforcement authorities.

 

Any default notices or adverse comments your company have recorded on my credit reference file should be immediately removed.

 

Failure to respond favourably to this letter within seven (7) days of receipt will result in immediate litigation being commenced against your company without further notice.

 

I would appreciate your due diligence in this matter.

[vandermerwe]

Good advice Curlyben. Has Anney63 heard anything else? Please keep us informed as there are many of us 'out there' wanting to put these type of companies in their place. Plus, of course, acting with the law of the land. Van dermerve

[anney63]

Hi Vandermere

Just another of their letterse asking to ring immediately and that I had 48hours it was my last chance just ignored it . That was dated 27th April They actually wrote and said that they obtained account from another company and had no details couldn't even say what it was for even give me a breakdown of what they were asking for let alone a signed agreement. These letters could be frightening to some people the way they are worded.

[Curlyben]

Ignore it.

Let them continue to harress you with nasty-grams.

I hope you have logged all activity with these "peeple" as you will need it when you report them to trading Standards.

 

I have found TS a joy to work with, extremely helpful and non-judgemental.

[anney63]

Sorry haven't had time to follow through my husband's cancer returned and unfortunately was terminal, so haven't felt like carrying on. What with plannin a funeral and my sons wedding my emotions have been stretched so this has been the last thing on my mind.They have not sent any further correspondance.

[Curlyben]

{{{{{{{{{{Anney63}}}}}}}}}}

Very sorry to hear that.

family comes first ALWAYS !!

[vandermerwe]

Thanks for taking time to post anney63. It's good you can stand up to them - in my view they haven't a hope in hell's chance of getting anything from you and owe you a pound. My very deepest sympathy to you in your present situation - try and enjoy the wedding as best as you can, and remember you have a lot of people out here wanting to help you. Keep trucking! Vandermerwe.

[anney63]

Thanks for good wishes not really bothered with them sending anymore letters. I'm over 65 still working full time so got my wits about me just feel for those that don't understand these bully tactics.

[anney63]

Hello All

I had a letter from this company in March this year.

 

 

Sent the CCA request .

Letter cam back 16/04/07 cheque had been cashed.

 

 

They stated that this had been bought from Open and Direct Group and they had no details.

 

 

they asked that I contact them . No Way..

 

 

Well would you belive it I have today received a letter fronm Advantis Client name the lewis group. ????

 

 

Really nasty letter Showing balance then interest court fees and solicitors costs.

Threatening to Issue Court Action .

 

 

If a judgement or Decree remains Unsatisfied Bailiff will be instructed.

 

 

to recover Assetts or apply fotr an attachment of ewarnings and advising me to phone.

 

 

Do I now go through the whole process again of requesting CCA which their other company couldn;t supply HELP

[anney63]

Hello everyone

Well the wedding was a dream couple honymooning in ancun just missed all the hassle. Just got a letter from another compabner with more threats started anothere thread as forgot about this one so myuch been goiung on. Just beginning to get on my feet. Company named Asdventis really nasty letter think I may have to start the whole procedur again. Do You Think ??

[pmhcfc]

A polite but firm (recorded delivery ) letter should do the trick. Just remind them that this account remains in default, you're yet to receive your requested OA - any court action would be vigorously defended - You're going to report this lot for trying to collect on an alleged debt that is in default - um---oh remind them that a criminal offence has been commited (by them) - and you will not corresspond any further until your March request has been legally satisfied.

[vandermerwe]

Gld the wedding went well Anney.

 

What's you other thread - I'll take a look.

 

Best wishes.

 

Van

[anney63]

Hello Again

I have posted under debt collectors Same heading thanks for support

Anne

[vandermerwe]

Support always available Anney - not only from me but from dozens of others I could mention.

 

Even though you don't need it because you've got them sussed.

 

I'll just take a look around to see if I can seeanything that might prove helpful and get back to you.

 

Van

[vandermerwe]

Hi Anney.

 

Good old Google!

 

I Googled UK Default Recovery and up came "Grumbletext" which, scrolled through, came up with the well known Lewis Group!

 

I reckon Cattles plc (FTSE 250 remember and every so clean) has got more schlenter companies lurking in its midst than the average time seller or dodgy share pusher. Google Lewis Group for more info.

 

Address for UKDR? Batley by any chance?

 

No luck with asdventis though - tried with adventis but nothing suspicious.

 

If you'd like me to continue sniffing (my miniature dachshund always wanted to be a sniffer dog!) give my scales a click (that's the grey blob at the bottom between the green circle and the red triangle) and, if you can, post the letters you received with your personal details removed.

 

I quite enjoy a challenge!

 

Best regards as ever.

 

Van

[anney63]

Hello again

Well this has now reared its ugly head again . I have received a letter from a company called Adventis Credit Ltd really nastu Stating this must be paid in full otherwise immediate action will be taken they have added interest court fees and solicitors costs.. This was follwed pretty quick by A letter from the Crown Litigation Services. Can anyone help me with aletter to respond. They are saying the client is The Lewis Group. My belief is that UK Default are part of this group. This being the case they banked my £1 cheque and sent me a letter stating they couldn't give me a breakdown and saying they purchased the debt from Open and Direct. With no paperwork. It looks as though Uk Default have now sold it on or Aventis and Uk Default are all part of the Lewis Group. All very Confusing. Can anyone help with a letter as they have not been able to send me a copy of the CCA and which I requested in April and are way out of time and even sent me a letter stating they have no breakdown and then passed it on to another company . HELP !!!!!!!!!!

[gemspan]

HI there

 

Right, can you tell us who the original debt was with. How much it was for and when it was sold on? Have you ever received a copy of the CCA and do you still have the letter saying they coudnt supply it?

 

Is the letter from CRown Litigation Services actually from a court or are they just trying to make it look that way? Can you post what it actually says? Is it a court summons? Was it served on you or did it come thorugh the post? Is there anywhere on it that say Aventis?

 

Have a good look and get back to me.

 

Thanks

Gemspan

[anney63]

Hello thanks for prompt response. Orginal letter came from UK Default Recovery . 9th March 2007 Large letters DN NOT IGNORE THIS LETTER

Then CL Finance v Mr Y Case No and value of debt and it is in your interest to contact this number and an 0870 number in big print . Sorry to say husband had cancer and I ignored not a priority was helping my son. Then further letter from UK Default This is your last chance etc and 48 hours to contact. I responded to both letters 31/03/07 requested details of debt and copy of CCA enlosing £1 cheque. Response 16th April. Referingn to my letter dated 31/03/07 and stating couldn't give me a breakdown as they had purchased the account from Open And Direct Group who could not give them any details. Asked me to contact them to discuss the matter Cheque cleard my account 10/04/07

Unfortunately my husband was only given a short time to live and I didn't go any further . Out of the blue a letter 17th August 2007 from Advantis Credit i'm afraid to say I just ignored it. My husband lost his battle and then my son got married's so a few mixed emotions and trying to come to terms with everything. Just now getting on my feet . The last letter dated 1st October is from Crown Litigation Services. PO BOX 389 Crewe CW2 5WJ looking at small print at the bottom it says litigation arm of Adventis Credit. it states Client The Lewis Group

Advantis Reference Legal 298632

We have now been instructed by Advantis Credit to issue proceedings without further recourse to yourself,unless they recive payment of the outstanding balance within ten days of this letter. The lists balance interest Court Fees and solicitors costs. Follows on with

Should the issue of proceedings prove necessary we would draw your attention to the additional charges above that will be added to your existing debt.

If you dispute liability for this debt please state your reasons in writing and supply documents in support of your defence to any claim. If you fail to notify us of any potential dispute prior to the issue of proceedings and you subsequently file a defence we reserve the right to show this letter to the Court.

To Prevent further action being taken, telephone Advantis Credit on 0845 40224 30 within the next ten days with your payment proposals.

Signed Crown litigation Service.

 

 

 

Surely UK Default should not have passed this on

[anney63]

Can anyone help please !!!

[Dagsy]

These people SELL on individual cases for a fee.

 

You may already have done, but I SERIOUSLY suggest you contact your local Citizens advice.

 

My story's a bit different, but here goes.

 

In November 2006, I went to open a new bank account with my wife. We were very shocked when a problem came up with the credit check. We looked into it and it appeared that an online shopping account had been taken out in my name at our previous address, dating back to 2004, when we had moved. It had nothing to do with me and I knew nothing about it. Plus, the way I buy things, I would not have opened an online account with Next (part of the Lewis group). I just have never done things like that. I pay for things by cash, rather than credit.

We contacted Next and asked for them to send us further details as it appeared to be a case of Identity theft. I emailed them and we also spoke to them on the phone. We received NOTHING from them.

Heard nothing more about it until about 2 weeks ago, when out of the blue, a letter came from UK DEFAULT RECOVERY, pretty much the same as you have described. I called them immediately, as I was very annoyed. The guy at their end was, and I'll put this lightly on here, a 'fool'. He was snotty and it was quite apparent he didn't believe me. I explained that it was nothing to do with me but he just didn't want to know. I then put in writing everything I had said, and emailed it to them. I also contacted NEXT directly, who proceeded to tell me that they held no further details, as it was dating back over 2 years. Plus, they had passed the details on to a recovery company. They gave me the contact details and I called the number. They then informed me, that they had passed it on to UK DEFAULT RECOVERY. My god! What a farce.

Then, about a week ago, I got a very snotty phone call off UK Default Recovery, and 4.30 in the afternoon, hassling me about it. I repeated everything again and the woman said that I either paid the debt or gave them a crime reference number. So I contacted my local Police, and after a bit of a palarver, I spoke to a very helpful WPC at length for about 40 minutes. I explained everything and also received from them a template for a letter which goes at some length to explain their legal implications, and reiterates the fact that if they continue to pursue this case against me, when in fact it is nothing to do with me and thus they cannot PROVE it, then in fact they will be causing me HARRASSNENT and I may possibly be able to take legal action against them.

 

The WPC spoke very lowly of these type of companies. She warned it may be a long, drawn out process, and that I should stick to my guns. On explaining my case, I very much feel the Police are on my side.

 

Through speaking to people I gather that these companies cannot legally pursue a debt that is over TWO years old. Plus, the address it was registered at was my FIANCEE'S house. I just stayed there a few days a week. I was never registered there. (I had bank statements sent there and some other mail. Obviously, after we left, some still got sent there)

 

I expect one of three things to happen next:

 

A- They continue to call/send me letters, hassling me.

 

B- They accept my letter, derived from the Police template, and close the claim.

 

C- A debt collector calls at my home. If this happens, I will be FUMING. They cannot enter your property, without a Police warrant. I get the feeling though that this firm may be the type that employs unscrupulous types-the 'foot in the door' merchants. All I will say is if that happens, they will find themselves punched down the driveway, as I actually am an Heavyweight boxer, and if they try such a thing, I have a toddler in the house who I am protecting.

 

I'm not a violent type, I'm a quiet, family, bloke. But If I feel my son is in danger.......