Search
 
 

Display results as :
 


Rechercher Advanced Search

Latest topics
» Lowell threatening me Again !!
by waylander62 Today at 9:15 pm

» stupid thing
by projectzoo Today at 7:41 pm

» Litter fines set to QUADRUPLE: Rubbish louts now face £150 on the spot penalty https://www.youtube.com/watch?v=olkdZeBWOhc
by Society of the Spectacle Today at 7:17 pm

» Latest from CrimeBodge
by daveiron Today at 5:19 pm

» Real Begging
by LionsShare Today at 5:05 pm

» List of the lord lieutenants of the United Kingdom
by El E Mentary Today at 4:24 pm

» Cookies Show and Related Topics.
by Society of the Spectacle Today at 2:44 pm

» More Recycling
by assassin Today at 3:39 am

» Stop The Debt Threat Letters
by Mrblue2017 Yesterday at 11:44 pm

» Brown all CAPS window letter with "Defendant" visible!
by waylander62 Yesterday at 10:21 pm

» Intrum Finance letter advice please.
by Ithesoul Yesterday at 9:32 pm

» sol excalibre with cookiemonster
by Society of the Spectacle Yesterday at 8:02 pm

» Robinson Way
by Killuminati Yesterday at 1:10 pm

» Dam funny
by assassin Yesterday at 2:17 am

» Funny Old World
by Phillpots Sat Dec 08, 2018 5:03 pm

» List of shrievalties
by Phillpots Sat Dec 08, 2018 5:01 pm

» Transcash - the death of
by LionsShare Sat Dec 08, 2018 3:45 pm

» 3 letter process
by Mrblue2017 Thu Dec 06, 2018 4:43 pm

» Warning To Site Members On Benefits
by assassin Thu Dec 06, 2018 2:13 am

» R.N.
by eargoggles Wed Dec 05, 2018 11:48 pm

» ceo of banks
by Mrblue2017 Wed Dec 05, 2018 8:25 pm

» Hiv talk ( lots of immune supporting info in this ) slides and 200 references, with quoted research and links
by Theatchet Wed Dec 05, 2018 7:25 pm

» Bladder cancer talk, slides with references, with quoted research and links
by Theatchet Wed Dec 05, 2018 7:23 pm

» Lung cancer talk, slides and references, with quoted research and links
by Theatchet Wed Dec 05, 2018 7:21 pm

» Reality chat , every wednesday at 8pm (ish)
by Society of the Spectacle Wed Dec 05, 2018 7:18 pm

» Prostate/ Prostate cancer talk, slides and references ( must watch ) with quoted research and links
by Theatchet Wed Dec 05, 2018 7:16 pm

» Breast cancer talk, slides and references for the talk, with quoted research and links
by Theatchet Wed Dec 05, 2018 7:13 pm

» Alzheimers and Dementia Talk, with all the slides and references, with quoted research and links
by Theatchet Wed Dec 05, 2018 7:10 pm

» Durham Police Get Back What They Dish Out
by assassin Wed Dec 05, 2018 7:10 pm

» France Yellow Vests Gilet Juanes,
by Society of the Spectacle Wed Dec 05, 2018 3:59 pm

» Difficulty paying default loan
by Mrblue2017 Wed Dec 05, 2018 9:45 am

» An appeal from 'The armchair detective'
by assassin Wed Dec 05, 2018 1:51 am

» HMRC INCOME TAX
by LionsShare Tue Dec 04, 2018 8:24 pm

» remedy for P.C.N/COUNCIL TAX
by Keithatlm Tue Dec 04, 2018 6:03 pm

» Wildfires
by mitch Tue Dec 04, 2018 12:15 pm

» Dire Consequences Of Debt
by Ausk Tue Dec 04, 2018 8:47 am

» A New Turn
by assassin Mon Dec 03, 2018 1:25 am

» Drydens Fairfax
by Keithatlm Sun Dec 02, 2018 7:46 pm

» WARNING Don't Get Gas Lit By The Democracy's Of The World
by Lopsum Sun Dec 02, 2018 6:11 pm

» One less piece of detritus
by daveiron Sat Dec 01, 2018 9:50 pm

» Universal Maxims of Law
by Society of the Spectacle Sat Dec 01, 2018 9:31 pm

» E on Lowells advice
by ohthejoys Sat Dec 01, 2018 8:49 pm

» The full judgement of Lord Denning et al
by Kestrel Sat Dec 01, 2018 7:42 pm

» Getting copies of default notices
by Mrblue2017 Sat Dec 01, 2018 1:12 pm

» Justinian Deception Channel ( Romley Stewart)
by Ausk Sat Dec 01, 2018 7:29 am

» buying gold
by Ausk Sat Dec 01, 2018 7:14 am

» Debt collector immediately ceases collection attempts after one call
by barnwebb Fri Nov 30, 2018 10:32 pm

Moon phases


3 LETTER COCK UP

Go down

3 LETTER COCK UP

Post by hoopoe22 on Thu Nov 16, 2017 9:25 am

I recently received a letter from a DC alleging I owed them money relating to a mobile phone account. As the old forum wasn't operating any more I found some template letters posted there by Falijay and sent off the first one. They replied saying that it wasn't a debt under the Bills of Exchange act, they also said they were not acting as agents and that they would attempt to acquire the original phone contract info. So now I started thinking that maybe I'd sent the wrong letter. Anyway This is a month ago and I haven't heard from them again yet. Also I haven't sent the second letter because I can't find their second letter to me and I don't remember the date of it. I felt sure I had put it with all the other correspondence. Any advice?

hoopoe22
Not so newb
Not so newb

Posts : 11
Join date : 2017-11-15

Back to top Go down

Re: 3 LETTER COCK UP

Post by petesomething on Thu Nov 16, 2017 5:46 pm

HI hoopoe22

its true a mobile account is not a loan and does not come under bills of Exchange act, all they need to show in a court would be a Statment that can show you had a mobile contract,
however the DCA will need to show they legally own the debt , have a mobile contract or statments , to show you broke the agreement, in this case its good the DCA brought this debt , and not just acting as a agent.

i would wait and see ,
avatar
petesomething
Admin
Admin

Posts : 394
Join date : 2017-02-24
Location : NORTHAMPTON

Back to top Go down

Re: 3 LETTER COCK UP

Post by hoopoe22 on Fri Nov 17, 2017 8:45 am

that's great thanks.

hoopoe22
Not so newb
Not so newb

Posts : 11
Join date : 2017-11-15

Back to top Go down

Re: 3 LETTER COCK UP

Post by hoopoe22 on Fri Dec 08, 2017 10:34 am

I have received a letter from DC saying they have enclosed the documentation from my original creditor. However, it is just a list of dates and figures the final balance of which is zero. They explain this by saying that is when they bought the debt from the creditor. There is a FAQ on the back of the letter and one of the FAQ's is "Where are these statements from?" And their answer is, "The enclosed statements are from the original creditor from whom we bought the debt".
The so called statement has nothing on it identifying myself or the creditor.
Should I just carry on with the 3 letters do you think?

hoopoe22
Not so newb
Not so newb

Posts : 11
Join date : 2017-11-15

Back to top Go down

Re: 3 LETTER COCK UP

Post by LionsShare on Fri Dec 08, 2017 3:10 pm

Afternoon,

hope this is of interest:

http://www.legislation.gov.uk/ukpga/Vict/45-46/61/section/59

in your own words "from the original creditor from whom we bought the debt"

subsections 1, 3 are what you possibly need.

59 Payment in due course.

(1)A bill is discharged by payment in due course by or on behalf of the drawee or acceptor.

“Payment in due course” means payment made at or after the maturity of the bill to the holder thereof in good faith and without notice that his title to the bill is defective.

(2)Subject to the provisions herein-after contained, when a bill is paid by the drawer or an indorser it is not discharged; but

(a)Where a bill payable to, or to the order of, a third party is paid by the drawer, the drawer may enforce payment thereof against the acceptor, but may not re-issue the bill.

(b)Where a bill is paid by an indorser, or where a bill payable to drawer’s order is paid by the drawer, the party paying it is remitted to his former rights as regards the acceptor or antecedent parties, and he may, if he thinks fit, strike out his own subsequent indorsements, and again negotiate the bill.

(3)Where an accommodation bill is paid in due course by the party accommodated the bill is discharged.

any doubts you may have then read this thread - start to finish:

http://goodf.forumotion.com/t1513-assignment
avatar
LionsShare
Very helpful
Very helpful

Posts : 483
Join date : 2017-04-26
Location : Literally Where Ever I Am

Back to top Go down

Re: 3 LETTER COCK UP

Post by petesomething on Fri Dec 08, 2017 6:35 pm

Just send the next letter , then see what they do or send next , you just want them to give up .
avatar
petesomething
Admin
Admin

Posts : 394
Join date : 2017-02-24
Location : NORTHAMPTON

Back to top Go down

Re: 3 LETTER COCK UP

Post by hoopoe22 on Sat Dec 09, 2017 12:06 pm

Thanks Lionshare. I'm sure that's useful if you understand the language, which I don't unfortunately. Although I read the thread and understand from that what it all means. However I wouldn't have the confidence to try and create my own letter of response around that.
I will send letter two and see what happens then. Thanks to you both for responding to my post.

hoopoe22
Not so newb
Not so newb

Posts : 11
Join date : 2017-11-15

Back to top Go down

Re: 3 LETTER COCK UP

Post by hoopoe22 on Tue Jan 02, 2018 2:22 pm

I sent the 2nd letter and got the expected reply. Saying that they had sent the requested information, that the alleged debt doesn't come under the bills of exchange act and that they would not be responding to any further letters. I thought I might send the 3rd letter with the relevant bits highlighted i.e the bits that say they are a 3rd party interloper and they should prove I owe their company anything. I thought I might include copies of the first two letters with those bits highlighted too just so they get the message.

hoopoe22
Not so newb
Not so newb

Posts : 11
Join date : 2017-11-15

Back to top Go down

Re: 3 LETTER COCK UP

Post by Sponsored content


Sponsored content


Back to top Go down

Back to top


 
Permissions in this forum:
You cannot reply to topics in this forum