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Moon phases
3 letter process
+4
LynnB
daveiron
Mrblue2015
projectzoo
8 posters
Page 1 of 4
Page 1 of 4 • 1, 2, 3, 4
3 letter process
Hi
I came on this site a few months ago looking for info on debt.
and started the 3 letters process to my bank and 2 x CC. I've sent letters 1and 2 to all 3 and just waiting to send the 3rd letters.
( all to the original creditors ) i've since been told from another site that these letter don't work on the original creditors, only when you debt is sold??
I've had no correspondence from any with regards to the letters ive sent
can anyone put me right on this
Many Thanks
The zoo
I came on this site a few months ago looking for info on debt.
and started the 3 letters process to my bank and 2 x CC. I've sent letters 1and 2 to all 3 and just waiting to send the 3rd letters.
( all to the original creditors ) i've since been told from another site that these letter don't work on the original creditors, only when you debt is sold??
I've had no correspondence from any with regards to the letters ive sent
can anyone put me right on this
Many Thanks
The zoo
projectzoo- Not so newb
- Posts : 44
Join date : 2018-12-04
Re: 3 letter process
Did you use the following letters:
New Alternative Letters for Original lenders (Bank / Credit Cards
https://goodf.forumotion.com/t1153-new-alternative-letters-for-original-lenders-bank-credit-cards
?
New Alternative Letters for Original lenders (Bank / Credit Cards
https://goodf.forumotion.com/t1153-new-alternative-letters-for-original-lenders-bank-credit-cards
?
Mrblue2015- Moderator
- Posts : 2468
Join date : 2017-06-11
Re: 3 letter process
Also, what was the name of the other site you used?
Mrblue2015- Moderator
- Posts : 2468
Join date : 2017-06-11
Re: 3 letter process
Hi Mr Blue
yip the same ones ones on your link ( i got them from this site about 10week ago.
and the site is CA3 Debt Free Me ( Debt & Bailiff Solutions ) find them on facebook
yip the same ones ones on your link ( i got them from this site about 10week ago.
and the site is CA3 Debt Free Me ( Debt & Bailiff Solutions ) find them on facebook
projectzoo- Not so newb
- Posts : 44
Join date : 2018-12-04
Re: 3 letter process
If they are claiming you owe a debt to them continue with those letters . The letters are asking
them to substantiate their claim with documentation.
Just keep copies of what you have sent along with recorded delivery receipts.
them to substantiate their claim with documentation.
Just keep copies of what you have sent along with recorded delivery receipts.
daveiron- Admin
- Posts : 4897
Join date : 2017-01-17
Re: 3 letter process
Exactly. And they’re the templates for banks / CCs.
Done waste your time with the other sites...
The original GOODF site and this one have been going for donkeys years and have saved a lot of people from handing over money over to Banks, CCs, DCAs etc who are not even able to substantiate (prove with evidence) their claims.
Stick with it and have faith... It’s worked for me and for many others for years and our approach is perfectly legal and right.
Done waste your time with the other sites...
The original GOODF site and this one have been going for donkeys years and have saved a lot of people from handing over money over to Banks, CCs, DCAs etc who are not even able to substantiate (prove with evidence) their claims.
Stick with it and have faith... It’s worked for me and for many others for years and our approach is perfectly legal and right.
Mrblue2015- Moderator
- Posts : 2468
Join date : 2017-06-11
Re: 3 letter process
Thanks guys will let know the outcome of this.
Regards
The Zoo
Regards
The Zoo
projectzoo- Not so newb
- Posts : 44
Join date : 2018-12-04
Re: 3 letter process
following this as I am desperate and will be hoping for advice on my thread that I stand a chance with the 3 letters, wishing you luck.
LynnB- Not so newb
- Posts : 11
Join date : 2019-02-04
Re: 3 letter process
Hi Guys.
Got my first correspondence with one of the CC company's, acknowledging my complaint & wish to speak to me via the phone ( after letter #2 sent ) i take it that's a no no & just wait the time and send the last letter.
Got my first correspondence with one of the CC company's, acknowledging my complaint & wish to speak to me via the phone ( after letter #2 sent ) i take it that's a no no & just wait the time and send the last letter.
projectzoo- Not so newb
- Posts : 44
Join date : 2018-12-04
Re: 3 letter process
Hi
received a letter from one of the CC company's after the 3 letter was sent to them and just total told me to get lost with quotes...like Debt validation (and verification ) is a concept originating in the USA under the US Federal Fair debt collection practices Act. This legislation does not apply in the UK and therefore we will not be providing you with a sworn affidavit as requested.
And am concerned you are obtaining incorrect advice as to your legal right from a third party or internet web site you have received misleading advice in relation to the bill of exchange act 1882...and they are going to sent me copys of what they hold under the consumer credit act 1974....and stuff on the financial ombudsman and how to complain. whats going on with this anyone have a clue
Many thanks
The Zoo
received a letter from one of the CC company's after the 3 letter was sent to them and just total told me to get lost with quotes...like Debt validation (and verification ) is a concept originating in the USA under the US Federal Fair debt collection practices Act. This legislation does not apply in the UK and therefore we will not be providing you with a sworn affidavit as requested.
And am concerned you are obtaining incorrect advice as to your legal right from a third party or internet web site you have received misleading advice in relation to the bill of exchange act 1882...and they are going to sent me copys of what they hold under the consumer credit act 1974....and stuff on the financial ombudsman and how to complain. whats going on with this anyone have a clue
Many thanks
The Zoo
projectzoo- Not so newb
- Posts : 44
Join date : 2018-12-04
Re: 3 letter process
Standard response. Just carry on.
daveiron- Admin
- Posts : 4897
Join date : 2017-01-17
Re: 3 letter process
To be clear projectzoo: was that letter from CC company AFTER you sent template letter 3 (and it’s in response to letter 3)?
Mrblue2015- Moderator
- Posts : 2468
Join date : 2017-06-11
Re: 3 letter process
just checked the dates and it was dated on the 4/02 my 3rd letter went on the 5/02
so after letter 2 and not letter 3 hope that helps
the zoo
so after letter 2 and not letter 3 hope that helps
the zoo
projectzoo- Not so newb
- Posts : 44
Join date : 2018-12-04
Re: 3 letter process
Yep thought us much mate :-)
So yes as Dave says, ignore the usual nonsense they wrote (as they have to all of us...) and keep calm / carry on...
(Oh and for future, best not mention any dates, references, personal data and not even the actual (alleged) sums owed - just round up to the nearest £1K if you need to)
;-)
So yes as Dave says, ignore the usual nonsense they wrote (as they have to all of us...) and keep calm / carry on...
(Oh and for future, best not mention any dates, references, personal data and not even the actual (alleged) sums owed - just round up to the nearest £1K if you need to)
;-)
Mrblue2015- Moderator
- Posts : 2468
Join date : 2017-06-11
Re: 3 letter process
ok will do mrblue cheers
The zoo
The zoo
projectzoo- Not so newb
- Posts : 44
Join date : 2018-12-04
Re: 3 letter process
Hi guys/girls
Got some paper stuff from the CC company today, photo copy of my signature on my Credit Card agreement,copy of the Credit card terms & conditions,and statement of account. No original sent,is it just a waiting game now ?
Thanks
The Zoo
Got some paper stuff from the CC company today, photo copy of my signature on my Credit Card agreement,copy of the Credit card terms & conditions,and statement of account. No original sent,is it just a waiting game now ?
Thanks
The Zoo
projectzoo- Not so newb
- Posts : 44
Join date : 2018-12-04
Re: 3 letter process
Just a bit of clarification ,what date were the accounts opened ?
( you will never get originals as they no longer have them)
Yes just wait .You will notice they have not sent most of the stuff you requested.
( you will never get originals as they no longer have them)
Yes just wait .You will notice they have not sent most of the stuff you requested.
daveiron- Admin
- Posts : 4897
Join date : 2017-01-17
Re: 3 letter process
Sorry to jump in guys :-)
I’ve noticed a few times people are asked what date accounts are opened. May I ask the significance of this?
Thank you
Rgds
MrBlue
I’ve noticed a few times people are asked what date accounts are opened. May I ask the significance of this?
Thank you
Rgds
MrBlue
Mrblue2015- Moderator
- Posts : 2468
Join date : 2017-06-11
Re: 3 letter process
Regulations changed in 2006, With agreements up to that time they need to supply a true copy ,After that time
they can supply a reconstituted one. (make up what they think you may have signed)
they can supply a reconstituted one. (make up what they think you may have signed)
daveiron- Admin
- Posts : 4897
Join date : 2017-01-17
Re: 3 letter process
Ah, I see. Thanks Dave! And in this context, when you say “they” do you mean the debt purchasers or OCs (or both)??
Mrblue2015- Moderator
- Posts : 2468
Join date : 2017-06-11
Re: 3 letter process
And if the regulations allow for a reconstituted version, then why are we asking for a true copy in our template letters? They (the claimants) will know they don’t need to supply a true copy??
Mrblue2015- Moderator
- Posts : 2468
Join date : 2017-06-11
Page 1 of 4 • 1, 2, 3, 4
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