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3 letter process

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3 letter process  - Page 3 Empty Re: 3 letter process

Post by daveiron on Sat Jun 01, 2019 9:06 am

Correct. It does not stop you asking for it though ,Also ask where is it & does it still exist.
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Post by volgabulghar on Thu Jun 20, 2019 5:59 pm

Hello. I've sent 2 x 2 letters of 3 letter process and heard back from 1st letter but nothing from the 2nd ones. Should I be sending DSAR to them?

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Post by Mrblue on Thu Jun 20, 2019 10:50 pm

Carry on with letter 3 then to both of them in due course.

No DSAR goes to the original creditor (OC).
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Post by volgabulghar on Sat Jul 20, 2019 9:53 pm

Hello all.
I am billing my OC. Using the bill provided from goodf ebook.

I was thinking to send it a couple of days (22nd july) before Estoppel (25th july)

Does my bill need a supporting letter or should i send the bill with a "notice of intention of estoppel". I could include at the end, "I enclose a bill in accordance with my unrebbuted fee schedule in previous letter dated xxx" ?

Or should I just wait and send the bill with the estoppel?

I also see that the fee schedule is higher in the Estoppel. Can I change my fee schedule from what I put in letter 3?

Also what does 'nunc pro tunc' mean?

Thank you.

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Post by LionsShare on Sat Jul 20, 2019 10:09 pm

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Post by daveiron on Sat Jul 20, 2019 10:13 pm

If you have had no contact from them for 30 days send the estoppel ,if you have had contact ,send the intention of estoppel.No point in billing as far as I am aware no one has ever been paid ,but its your choice.

nunc pro tunc = now for then
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Post by volgabulghar on Sat Jul 20, 2019 11:29 pm

Thanks. Sorry for my stupidity. But what would 'now for then mean' with regards to what is written in the template estoppel?

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Post by volgabulghar on Tue Jul 23, 2019 4:35 pm

I have had a letter saying to call them because i have fallen behind with payments. No mention of charges, fees or default.
They seem to always send a letter the day before I am due to send out the next letter. Possibly to throw me into anxiety as they know the next notice is due?

Do I ignore, keep calm, send estoppel tomorrow as planned?
Do they usually send letters after letter 3?

Also, I've notice the return address for the past 2 letters that they sent came from the collections team, at a different address - a PO BOX. Should I be writing to the collections team in future or stick with Head office? They have signed for all my previous letters at head office.

I Also noticed that the letters are not signed or named but just say Collections team. Is there a significance in this?
Thank you!

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Post by daveiron on Tue Jul 23, 2019 5:43 pm

They are probably a bit confused . It would have been easier if you had stopped paying before you sent the letters.
Never mind it will get sorted.Just carry on.

Never send to a PO box as you will not get a signature, just carry on with head office.
Do not rush the process,let them do the chasing. This is not going to be sorted with 3 letters and an estoppel.

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Post by volgabulghar on Tue Jul 23, 2019 5:57 pm

Ok thanks for clearing that up Daveiron.
What should I expect after estoppel?

It seems unbelievable that they will go away... they haven't asked for any late payment fees or sent notice of default, they seem to just want me to call them.

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Post by daveiron on Tue Jul 23, 2019 6:50 pm

Probably best to just send a short letter telling them they do not have your permission to contact you other than by Royal Mail.
If you dont do that your phone will ringing several times a day.
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Post by volgabulghar on Tue Jul 23, 2019 7:10 pm

Already done in my letters.
Will they then constantly be sending letters demanding i call them and saying I owe late fees etc?

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Post by daveiron on Tue Jul 23, 2019 7:36 pm

Ok,then tell them you are logging every call & will take action under section 1. of The Protection From Harassment Act
1997. as their calls are causing you distress.
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Post by volgabulghar on Tue Jul 23, 2019 8:05 pm

Thanks Daveiron.

They haven't rang me..They have just write via royal mail asking that I call them. I dont think they will ring me
But should I expect my letter box to be inundated with letters from the loans company telling me about late fees for the next few years or do they slow down after estoppel....

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3 letter process  - Page 3 Empty 3 Letters Process & Cease & Desist Order Sent

Post by Compaq7500 on Fri Aug 02, 2019 4:07 pm

Hiya people have used and sent 3 Letters and after 30 days of sending letter 3 a cease & desist letter to Cabot financial (Europe) limited requesting them to provide the following details regarding a MBNA credit card that was by MBNA and bought by a debt collection agency called DLC , Cabot also stated that DLC are now part of the Cabot group since 2015.

The documents I requested in the 3 letter process were as follows.

1. Certified Copy Deed Of Assignment.
2. Certified Copy Deed Of Novation
3. Certified/Original Copy Of The Credit Agreement.

After requesting the above information Cabot are stating that they can't get hold of the credit agreement as the debt is old, they also state that they are not legally obliged to send me a deed of assignment only a notice of assignment needs to be sent they also said the deed of Novation is not required.

I have sadly been paying a token payment of £1 a month and so because of this Cabot has stated I've acknowledged the debt, to be honest I only did this due to being threatened over and over the phone and with numerous letters being sent and put through my letterbox, Cabot financial (Europe) Ltd haven't as of yet threatened any legal action regarding this matter, cabot have also stated that this credit card debt isn't on my credit file.

Advice would be greatly appreciated.


Last edited by Compaq7500 on Fri Aug 02, 2019 10:16 pm; edited 9 times in total

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Post by Snoop on Fri Aug 02, 2019 4:30 pm

Firstly I’d remove your picture as it shows too much information. See the advice on posting particularly giving away anything that could identify you.

http://goodf.forumotion.com/t3358-please-read-before-posting-important#21620

Second they can’t provide your credit agreement so I would have thought it was unenforceable. However you have made payments so as it’s pointed out you’ve acknowledged the alleged debt. If it was me my argument would be I had been bullied into making payments to wards a debt that was legally unenforceable.
However there are more experienced members who will give better advice.


Last edited by Snoop on Fri Aug 02, 2019 4:36 pm; edited 1 time in total

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Post by Compaq7500 on Fri Aug 02, 2019 4:36 pm

Many thanks snoop originally when dlc bought the debt off MBNA they threatened me both over the phone and by letter, my personal info is a secret as my name and address are witheld

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Post by Snoop on Fri Aug 02, 2019 4:38 pm

However there are lots of reference numbers that could be used to identify you see the link in my edited post above.

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Post by Compaq7500 on Fri Aug 02, 2019 5:17 pm

[


Last edited by Compaq7500 on Fri Aug 02, 2019 6:36 pm; edited 1 time in total

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Post by Compaq7500 on Fri Aug 02, 2019 5:18 pm

[


Last edited by Compaq7500 on Fri Aug 02, 2019 6:36 pm; edited 2 times in total

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Post by Compaq7500 on Fri Aug 02, 2019 5:25 pm

[


Last edited by Compaq7500 on Fri Aug 02, 2019 6:31 pm; edited 1 time in total

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Post by Mrblue on Fri Aug 02, 2019 6:12 pm

Buddy, you’re still giving yourself away... your last attachment has the exact sum listed.

And to be honest, there’s very, very rarely a need to upload any attachments Smile
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Post by Mrblue on Fri Aug 02, 2019 6:15 pm

Before you post anymore, NEVER use personal details inc reference numbers, never alleged debt amounts (just round up to the nearest £1K) and never dates of the letters your receive or send. If you ever intend to upload photos of the letters you send or receive (I recommend you don’t) also be mindful of the above ie mask any such details (and mask any references or barcodes etc that appear on ANY part of their letters...!) Pretty much anything that helps maintain your anonymity (again, those potential trolls...)

See also this link from a moderator:

http://goodf.forumotion.com/t3358-please-read-before-posting-important
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3 letter process  - Page 3 Empty Credit rating

Post by volgabulghar on Tue Aug 06, 2019 10:30 am

Hi all,

I have sent my estoppel and I have not received any letters etc from my loan company since just before I sent it (26th june). However, I have noticed the credit rating (Experian) has gone down a few notches because of defaulted payments in the last month.

It says in the letters that:
3. That any damages I suffer, you will be held culpable;
4. That any negative remarks made to a credit reference agency will be removed;

Now I don't expect the loan company to play ball with this straight away,

but has anyone had experience with the company demanding money off them making negative remarks on their credit rating to later see them be removed?

Or should I expect my credit rating to go down a few more notches from now on and never be recuperated?
Or has anyone sent letters to the company regarding this, or disputed it with the credit rating company?

Best wishes

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Post by Mrblue on Tue Aug 06, 2019 10:41 am

@volgabulghar wrote:

but has anyone had experience with the company demanding money off them making negative remarks on their credit rating to later see them be removed?

Not in my experience (as in they do not remove any entries on your credit file). In effect, this (the reduction in your credit score) is all they have to 'hurt' you. Once Statute Barred, the records will no longer be listed and you will be able to rebuild your credit score.
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