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Moon phases


New three letters response

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New three letters response

Post by Lawful rebel on Wed Jan 17, 2018 2:45 pm

Hi have started the new three letters for a neighbour after a week they sent a reply to letter 1

response as follows;

We acknowledge receipt of your template letter and have noted your comments.

(1) The above account is not subject to the Bills of exchange act (1882)

(2) The account is not subject to a deed of assignment as the account has not been sold to this company but was assigned to us by our client to monitor and maintain in accordance with there terms and conditions.

(3) we have not entered into any agreement with yourself for payment of your time and therefore any request for payment is declined.

(4) our client will be pleased to provide you with a copy of your credit agreement upon receipt of your written request accompanied by payment statutory fee of £1.00 payable to Lloyds banking group.

please provide us with full details of any outstanding dispute.Alternatively,complete and return the income and expenditure form forwarded to to you under separate cover in order for an affordable repayment plan to be agreed.

We look forward to hearing from you.

Sincerely A Weber

credit security ltd.

This letter came back with a wet sig and in blue ink no less!

Any comments appreciated...


This is for a debt a tad over 10k from a loan. a ppi for illness was taken out and she became ill and went on dialysis then on to a transplant, they did pay for two years then sent a letter saying the claim was invalid as she was not in full term employment at the time of signing.
Some of the ppi payments where offset from the original bill however no compensation for the ppi mis selling was included.

Thanks in advance.


Last edited by Lawful rebel on Wed Jan 17, 2018 2:53 pm; edited 1 time in total (Reason for editing : typo)
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Re: New three letters response

Post by daveiron on Wed Jan 17, 2018 3:38 pm

Which new 3 letters did you send ,as that reply bears very little relation to the new letters available here.?

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Re: New three letters response

Post by Lawful rebel on Wed Jan 17, 2018 3:49 pm

it was to the dca's acting as agents
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Re: New three letters response

Post by Lawful rebel on Wed Jan 17, 2018 3:53 pm

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Re: New three letters response

Post by daveiron on Wed Jan 17, 2018 4:15 pm

OK ,
Send letter / Notice 2.

I have just noticed letter 1 did not state a fee for their letters ( i will amend now)

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Re: New three letters response

Post by Lawful rebel on Wed Jan 17, 2018 4:19 pm

Thanks bud
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Re: New three letters response

Post by daveiron on Wed Jan 17, 2018 4:25 pm

Just a quick one, Are you sure you sent the one for debt collectors & not the one for debt purchasers ,as the ones for collectors makes no mention of deed or notice of assignment ?

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Re: New three letters response

Post by Lawful rebel on Wed Jan 17, 2018 5:05 pm

deffo the dca one I copied all three to ms word to edit and save and letter 1 is the same as you put up for dca's
do you think i should add anything to letter 2 high lighting there error or just print and send off

thanks in advance
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Re: New three letters response

Post by daveiron on Wed Jan 17, 2018 6:18 pm

Just shows how many rebuttals they receive ,they do not even bother to read them properly .

Just send no 2 .Although you have no obligation to interact with them ,it will show your continued attempts to settle any obligation you may have.

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Re: New three letters response

Post by Tiggy on Wed Jan 17, 2018 6:25 pm

You can also send them a request under Section 77.1 of the Consumer Credit Act, if they can't supply a copy of the agreement then under Section 77.4 the debt is unenforceable against your neighbour. You have to address it to whoever claims they own the debt and pay £1 fee.

Request under s.77.1 Consumer Credit Act 1974

Dear Sirs
Re: Account / Reference Number: xxxxx / xxxxx

With reference to the above agreement, I require that you provide me a true copy of the credit agreement.

I am aware that section 77(1) of the Consumer Credit Act 1974 sets out clearly what is required to comply with my request and quote “shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it”. For clarification I require a copy of the agreement, any terms and conditions from the time when the agreement was executed, the current terms in force or in the alternative the notices of variation of each term as approved in Carey v HSBC Bank Plc and a copy of the cancellation notice if the agreement refers to “Your Right to Cancel” within it. I also require a statement as laid out also within section 77(1)(a-c). If there weren’t any terms and conditions then please confirm this in your response.

I am entitled to receive the information on request. I enclose a payment of £1.00 per account, which represents the fees payable under the Consumer Credit Act 1974. This request is a statutory request and should not be construed as any acknowledgment or payment towards any account.

I understand that Consumer Credit (Prescribed periods for Giving Information) Regulations 1983 (SI 1983/1569) at Regulation 2 sets out the required time frame for compliance with this request as being 12 working days from receipt.

In the event that you do not consider yourselves the “creditor” I direct you to s189 Consumer Credit Act and the leading case of Jones v Link Financial Ltd [2012] EWHC 2402 (QB) (22 August 2012) which confirms that assignees of an account are the creditor and must comply with statutory duties.

In accordance with the new FCA guidance, if the copy of the executed agreement is reconstituted, then I expect you to confirm this is the case and to confirm what steps were taken to provide this reconstitution as set out in the FCA handbook CONC 13.1.4 (2).

I look forward to hearing from you
Yours faithfully

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Re: New three letters response

Post by Lawful rebel on Wed Jan 17, 2018 9:11 pm

@daveiron wrote:Just shows how many rebuttals they receive ,they do not even bother to read them properly .

Just send no 2 .Although you have no obligation to interact with them ,it will show your continued attempts to settle any obligation you may have.

same thought occurred to me davieron looks like they are getting a bit of incoming ...

Will do letter 2 and shall keep you all up to date as it comes in...

Tiggy thanks for that i do like a two pronged attack to keep them on the back foot...

Thanks again everyone
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