Re: 3 letter process

by **daveiron** Wed Feb 13, 2019 6:48 pm

Oc's ,purchasers can only supply what they are given.

by LynnB Wed Feb 13, 2019 7:16 pm

Also is the date when the regulations change, the date important for you is it when you first took out the credit card, the date when you went into default with them etc that is important as regards the true copy etc.

by **daveiron** Wed Feb 13, 2019 7:40 pm

Hi lynn,

The date of the agreement pre or post the regulation change defines what they are obliged to supply.
The date on the default notice is what it is regardless.

by LynnB Wed Feb 13, 2019 7:58 pm

thanks so it is good to know when you first took out the credit card etc, as that date defines it, will need to do some thinking.

by projectzoo Wed Feb 13, 2019 9:24 pm

Hi
it was 2014 & 2017, & good Q Mrblue why do we ask for a original copy ?

by projectzoo Sun Mar 17, 2019 9:51 am

Hi
Some update on my 3 letter progress, now sent 3x3 letters got one sent back to me with wrong address on it, letter 2? address was the same as 1 & 3 so don't know what that was about.
The bank/credit card co, seem to just ignored them and sent letters asking for the payments, and a text a day to call them to talk about this.
Last letter sent about 3 weeks ago.
any ideas on whats going to happen next? or whats the next step in this progress
any help much appreciated on this

regards

thezoo

by **Mrblue2015** Sun Mar 17, 2019 4:47 pm

Ok so wait another week (3 weeks ago plus 1 week will be approx one month) then send the Estoppel, which is a recognized legal action.

by **Mrblue2015** Sun Mar 17, 2019 6:43 pm

projectzoo wrote:Hi
it was 2014 & 2017, & good Q Mrblue why do we ask for a original copy ?

Apologies projectzoo, forgot to respond. Unless I’m mistaken, we ask for a true copy to give them a fair opportunity to produce it. Now, regardless as to what they send, it is important to send a Data Subject Access Request (DSAR or some people simply say SAR) as soon as you can to the OC. That way, if / when a debt purchaser or DCA sends you any paper work, you can compare to the SAR findings and then you’ll see if (when...) they (DP / DCAs) have simply cobbled something together that they’re trying to pass off as an original / legitimate. See...? Wink

by projectzoo Tue Mar 19, 2019 5:10 pm

ok so where do I get a DSAR or how do you go about this ? or is it just a hand written letter asking them to send this to me …

Regards

The Zoo

by **LionsShare** Tue Mar 19, 2019 6:11 pm

Mrblue2017 wrote:you can compare to the SAR findings and then you’ll see if (when...) they (DP / DCAs) have simply cobbled something together that they’re trying to pass off as an original / legitimate. See...?

It may be called UTTERING,

https://legal-dictionary.thefreedictionary.com/utter

TO UTTER, crim. law. To offer, to publish.
2. To utter and publish a counterfeit note is to assert and declare, directly or indirectly, by words or actions, that the note offered is good. It is not necessary that it should be passed in order to complete the offence of uttering.

by **Mrblue2015** Tue Mar 19, 2019 7:09 pm

projectzoo wrote:ok so where do I get a DSAR or how do you go about this ? or is it just a hand written letter asking them to send this to me …

Check out this thread:

https://goodf.forumotion.com/t370-subject-acess-request

by **Mrblue2015** Tue Mar 19, 2019 7:11 pm

LionsShare wrote:
Mrblue2017 wrote:you can compare to the SAR findings and then you’ll see if (when...) they (DP / DCAs) have simply cobbled something together that they’re trying to pass off as an original / legitimate. See...?

It may be called UTTERING,

https://legal-dictionary.thefreedictionary.com/utter

TO UTTER, crim. law. To offer, to publish.
2. To utter and publish a counterfeit note is to assert and declare, directly or indirectly, by words or actions, that the note offered is good. It is not necessary that it should be passed in order to complete the offence of uttering.

Of that I have no doubt (from experience) - thanks LionShare Smile

by projectzoo Wed Mar 20, 2019 6:58 am

Hi
Thanks for that, so ive printed them off the (SARs).
I just send them to the address that I sent the 3 letter to include a £10 fee in each ?

by **daveiron** Wed Mar 20, 2019 8:19 am

S A R to original creditor . No fee payable.

https://ico.org.uk/for-organisations/guide-to-data-protection/guide-to-the-general-data-protection-regulation-gdpr/individual-rights/right-of-access/

by **Mrblue2015** Wed Mar 20, 2019 9:38 am

DaveIron is correct :-)

by projectzoo Wed Mar 20, 2019 5:27 pm

Hi
Great stuff sending them in the morn, I take it back to the CEO and same address? ..as I said in this topic I received letter #2 back from one of the cc company's returned to sender but not letter 1 or 3 very strange.

once again many thanks for the info
will let you know how I get on.

regards
the zoo

by **Mrblue2015** Fri Mar 22, 2019 6:27 am

Any time buddy. These things take time but they work IF you follow the process properly and stay properly organised and keep a track of paper work dates etc.

As one great previous moderator used to say on the original GOODF site: “The template letters are usually only the overture to a long and laborious symphony.” In other words, they (depth purchasers and debt collection agencies) will still try their luck even after you’ve sent them three letters. But they’ll give up eventually... (Always have done in my experience). They can only flog a dead horse for so long!

by projectzoo Wed Mar 27, 2019 11:19 am

Hi Mrblue
lol,just got my 2nd letter back this time the address number was wrong I wrote 36 on the letter sent back saying it is 38.

Anyway got a very large box back from the DSAR that I sent.
8.6kg lol .

Whats your take on the 2 letter that have been returned to me?

once again many thanks on this.

the zoo

by **Mrblue2015** Wed Mar 27, 2019 11:48 am

I would re-send letter 2 as it seems the recipient didn’t get it.

Good (DSAR). Check the most important items which would be agreements, Ts & Cs (for agreements), defaults, assignments (notices / deeds) and you may as well check for PPI while you’re there...

by **Mrblue2015** Wed Mar 27, 2019 11:52 am

(Sorry I’m at work at the same time as trying to help haha) Also check you have all the statements up to and inc the date that any alleged date was sold.)

by projectzoo Thu May 09, 2019 12:22 pm

Up date on my situation and some more advice please.

Having send out 3 letter to 3 debt, all OC and all of them not really taken any notice of the 3 letter that I send, how will this play out? if the debt is sold on do I 3 letter the DCA that have bought the debt, or just ignore them??...Any advice please
many thanks
The Zoo

The zoo

by **daveiron** Thu May 09, 2019 3:43 pm

Hi, Mostly they are sold on. If / when its sold a dca will contact you at some point,do not ignore them ,just send the letters for debt purchasers.
When that happens you will need to look at the results of the sar, so dont throw it away.

by projectzoo Thu May 09, 2019 4:36 pm

ok cheers.Thks for this ,don't want to sound daft, is this the same 3 letters that I sent to the OC. or is it other letter ( template) on this site that goes to the debt purchasers.

cheers The zoo

by **daveiron** Thu May 09, 2019 6:17 pm

These are the ones.

https://goodf.forumotion.com/t1131-new-3-letters-for-debt-purchasers

by volgabulghar Sat Jun 01, 2019 7:28 am

Hi! Quick question.... if the loan is after 2006 do they have to show a original copy of the agreement. I heard/saw somewhere it could be a photocopy? Gracias

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