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Moon phases
I got a reply from my 3 letter process ... what now?
+3
assassin
daveiron
volgabulghar
7 posters
Page 1 of 2
Page 1 of 2 • 1, 2
I got a reply from my 3 letter process ... what now?
Hi all, hope you are well,
I wrote letter #1 to the credit card company.
I got a reply saying to
"Dear strawman MR,
I am sorry you've had to contact us about the problem you have had.
We'll contact you as soon as we can to discuss your concerns about this matter. In the meantime, Ive enclosed a leaflet explaining how we deal with complaints.
Yours Sincerely,
No signature, not even a digital signature,
Blair Gibson
Customer Relations
Sainsburys Bank"
Should I go ahead with letter 2?
Muchos Gracias.
I wrote letter #1 to the credit card company.
I got a reply saying to
"Dear strawman MR,
I am sorry you've had to contact us about the problem you have had.
We'll contact you as soon as we can to discuss your concerns about this matter. In the meantime, Ive enclosed a leaflet explaining how we deal with complaints.
Yours Sincerely,
No signature, not even a digital signature,
Blair Gibson
Customer Relations
Sainsburys Bank"
Should I go ahead with letter 2?
Muchos Gracias.
volgabulghar- Not so newb
- Posts : 78
Join date : 2019-05-26
Re: I got a reply from my 3 letter process ... what now?
Yes continue with letter 2 I would enclose a seperate sheet informing them that this and the previous
notice are not complaints ,they are requests for documentation and must be treated as such.
notice are not complaints ,they are requests for documentation and must be treated as such.
daveiron- Admin
- Posts : 4897
Join date : 2017-01-17
Re: I got a reply from my 3 letter process ... what now?
Only use letters and not telephone, E-mail, ot other mediums.
assassin- Admin
- Posts : 3551
Join date : 2017-01-28
Location : Wherever I Lay My Head
Re: I got a reply from my 3 letter process ... what now?
daveiron wrote:Yes continue with letter 2 I would enclose a seperate sheet informing them that this and the previous
notice are not complaints ,they are requests for documentation and must be treated as such.
In fact, even elaborate to say "This is a dispute, not a complaint, and must be treated as such as per the FCA regulations to which you are bound". That's the last time they'll use the word "complaint"... ;-)
Mrblue2015- Moderator
- Posts : 2468
Join date : 2017-06-11
Re: I got a reply from my 3 letter process ... what now?
assassin wrote:Only use letters and not telephone, E-mail, ot other mediums.
Yep, this is an absolute MUST. The written correspondence you will build up in time (....) will form evidence should it even come to that (unlikely).
Mrblue2015- Moderator
- Posts : 2468
Join date : 2017-06-11
Re: I got a reply from my 3 letter process ... what now?
Going forward, just ignore whatever they say because I 100% guarantee they will not provide what we have asked for in our letters.
If they say “we intend to litigate” don’t ignore.
If they say “we may litigate”, these can be ignored.
If they say “we intend to litigate” don’t ignore.
If they say “we may litigate”, these can be ignored.
Mrblue2015- Moderator
- Posts : 2468
Join date : 2017-06-11
Re: I got a reply from my 3 letter process ... what now?
Thank you everyone, i appreciate all your knowledge and expertise, i am so new to the fraud!
I will go ahead with second letter for this one. No phone contact. I will make adjustments as recommended.
_______________****************
I recieved a reply to another letter regarding a loan from the original creditor
They have sent a photocopy of the agreement, at the bottom left is my signature and date (blacked out in the image uploaded), and on the bottom right it says
Signed for and on behalf of the Bank of Ireland (UK) plc
____NO SIGNATURE, NOT EVEN DIGITAL OR PHOTOCOPY_____
Date of agreement:
____NO DATE, NOT A DIGITAL ONE EITHER____
However in the "customer declaration" it says:
I, the customer confirm that this Agreement was fully completed when present to me for signature (save for the signature of Bank of Ireland (UK) plc)
There is also another part of it that says
"Signed for on and behalf of the Bank of Ireland: 08/12/2008" in big black letters
I will go ahead with second letter for this one. No phone contact. I will make adjustments as recommended.
_______________****************
I recieved a reply to another letter regarding a loan from the original creditor
They have sent a photocopy of the agreement, at the bottom left is my signature and date (blacked out in the image uploaded), and on the bottom right it says
Signed for and on behalf of the Bank of Ireland (UK) plc
____NO SIGNATURE, NOT EVEN DIGITAL OR PHOTOCOPY_____
Date of agreement:
____NO DATE, NOT A DIGITAL ONE EITHER____
However in the "customer declaration" it says:
I, the customer confirm that this Agreement was fully completed when present to me for signature (save for the signature of Bank of Ireland (UK) plc)
There is also another part of it that says
"Signed for on and behalf of the Bank of Ireland: 08/12/2008" in big black letters
volgabulghar- Not so newb
- Posts : 78
Join date : 2019-05-26
Re: I got a reply from my 3 letter process ... what now?
You’re welcome. Keep calm and carry on as they say...
Mrblue2015- Moderator
- Posts : 2468
Join date : 2017-06-11
volgabulghar- Not so newb
- Posts : 78
Join date : 2019-05-26
Mrblue2015- Moderator
- Posts : 2468
Join date : 2017-06-11
Re: I got a reply from my 3 letter process ... what now?
Hello all.
So no reply from my 2nd letter from eithe credit card or loan (original creditors).
I am on day 9, so maybe a letter is in the post...
I called the automated service and the balances are still in debit £xxx amount.
Will they send a letter showing the balance as £0?
Do I send letter number 3 after day 10 or should it be done and dusted if I don't hear anything?
Many thanks
So no reply from my 2nd letter from eithe credit card or loan (original creditors).
I am on day 9, so maybe a letter is in the post...
I called the automated service and the balances are still in debit £xxx amount.
Will they send a letter showing the balance as £0?
Do I send letter number 3 after day 10 or should it be done and dusted if I don't hear anything?
Many thanks
volgabulghar- Not so newb
- Posts : 78
Join date : 2019-05-26
Re: I got a reply from my 3 letter process ... what now?
Sorry its not going to be that simple. just stick to the letters 10 days apart & see what occurs & take it from there.
daveiron- Admin
- Posts : 4897
Join date : 2017-01-17
Re: I got a reply from my 3 letter process ... what now?
Ok. So send letter 3 if i hear nothing back anyway...
Should I send a DSAR in case it gets sold to a DCA?
Thanks
Should I send a DSAR in case it gets sold to a DCA?
Thanks
Last edited by volgabulghar on Thu Jun 20, 2019 6:06 pm; edited 1 time in total
volgabulghar- Not so newb
- Posts : 78
Join date : 2019-05-26
Re: I got a reply from my 3 letter process ... what now?
The fraud - Banks using us to great money out of thin air and making us pay for the money we created....
volgabulghar- Not so newb
- Posts : 78
Join date : 2019-05-26
Re: I got a reply from my 3 letter process ... what now?
Legally, Banks do not loan money (nor transfer any money...) and there is no such thing as deposits. They are simply creators of the money supply and purchase securities. Nothing more, nothing less.
Last edited by Mrblue on Thu Jun 20, 2019 10:41 pm; edited 2 times in total
Mrblue2015- Moderator
- Posts : 2468
Join date : 2017-06-11
Re: I got a reply from my 3 letter process ... what now?
Prof. Werner brilliantly explains how the banking system and financial sector really work:
https://youtu.be/EC0G7pY4wRE
Watch from the beginning or jump to 5.07 and listen to the end to find out that the City of London is not part of the UK (yes you read that correctly..!)
The oldest guy on the right (keeping mostly quiet...) is David Buik - a long time City of London figure who currently does the 7:35am LBC radio business slot.
And there’s this story that ‘quietly’ (despite the huge significance) came out a couple of days ago... I suspect it’s simply because they can’t keep this secret much longer...
LONDON WILL GET ITS OWN GDP FIGURES IN ONS OVERHAUL
https://www.pressreader.com/uk/evening-standard-west-end-final/20190618/282033328717087
(I ask suspect this is part of their potential Brexit preparations ie to keep them even more autonomous regardless. I’ve also heard words used such as “Monaco” used in recent days...)
https://youtu.be/EC0G7pY4wRE
Watch from the beginning or jump to 5.07 and listen to the end to find out that the City of London is not part of the UK (yes you read that correctly..!)
The oldest guy on the right (keeping mostly quiet...) is David Buik - a long time City of London figure who currently does the 7:35am LBC radio business slot.
And there’s this story that ‘quietly’ (despite the huge significance) came out a couple of days ago... I suspect it’s simply because they can’t keep this secret much longer...
LONDON WILL GET ITS OWN GDP FIGURES IN ONS OVERHAUL
https://www.pressreader.com/uk/evening-standard-west-end-final/20190618/282033328717087
(I ask suspect this is part of their potential Brexit preparations ie to keep them even more autonomous regardless. I’ve also heard words used such as “Monaco” used in recent days...)
Mrblue2015- Moderator
- Posts : 2468
Join date : 2017-06-11
Re: I got a reply from my 3 letter process ... what now?
Been 12 days and no reply from my 2nd letters - had a look at the notices i sent, noticed a few mistakes/typos... could this be the reason they have not responded, also, in my haste, i forgot to photocopy letter 2 but i have proof of postage. Will this be enough?
Shall i push on with letter 3 regardless or letter 2 again (they definitely received it but it had a few errors)?
The fee schedules seem a bit high in the template letters: is this right?
--- "You will no longer pursue this matter any further; You have not proven any debt, if you sell the alleged liability, and/or appoint an agent to act on its/your behalf on this matter you will have broken our agreement and you agree to pay the following fee schedule £ (3X amount they are asking), for dishonouring our agreement, £1000 per hour or part of it of Authorised Representatives time nunc pro tunc, £1000 per recorded delivery or any other form of response nunc pro tunc also any further contact is now not necessary, if however you deem a need to contact me by letter the fee is £100 per item payable in advance, place the cheque in the envelope, if no payment is made in advance the fee will rise to £1000 per item and you will also be held culpable for any cost incurred while recovering the debt you owe.
Thank you
Shall i push on with letter 3 regardless or letter 2 again (they definitely received it but it had a few errors)?
The fee schedules seem a bit high in the template letters: is this right?
--- "You will no longer pursue this matter any further; You have not proven any debt, if you sell the alleged liability, and/or appoint an agent to act on its/your behalf on this matter you will have broken our agreement and you agree to pay the following fee schedule £ (3X amount they are asking), for dishonouring our agreement, £1000 per hour or part of it of Authorised Representatives time nunc pro tunc, £1000 per recorded delivery or any other form of response nunc pro tunc also any further contact is now not necessary, if however you deem a need to contact me by letter the fee is £100 per item payable in advance, place the cheque in the envelope, if no payment is made in advance the fee will rise to £1000 per item and you will also be held culpable for any cost incurred while recovering the debt you owe.
Thank you
volgabulghar- Not so newb
- Posts : 78
Join date : 2019-05-26
Re: I got a reply from my 3 letter process ... what now?
Carry on with letter 3 buddy. Why not set the fee higher..? They are wasting YOUR time remember...
Mrblue2015- Moderator
- Posts : 2468
Join date : 2017-06-11
Re: I got a reply from my 3 letter process ... what now?
Haha
True... But if the debt is high then the higher the fee schedule is really high! ---
"if you sell the alleged liability, and/or appoint an agent to act on its/your behalf on this matter you will have broken our agreement and you agree to pay the following fee schedule £ (3X amount they are asking), for dishonouring our agreement"
E.g. 12000 debt = 3x the amount asked for is 36000!
True... But if the debt is high then the higher the fee schedule is really high! ---
"if you sell the alleged liability, and/or appoint an agent to act on its/your behalf on this matter you will have broken our agreement and you agree to pay the following fee schedule £ (3X amount they are asking), for dishonouring our agreement"
E.g. 12000 debt = 3x the amount asked for is 36000!
volgabulghar- Not so newb
- Posts : 78
Join date : 2019-05-26
Re: I got a reply from my 3 letter process ... what now?
36k is allot, I don't know what others have done, or if even paid out by these companies, would you bring a claim against them?
I wish you well.
I wish you well.
LionsShare- Moderator
- Posts : 3246
Join date : 2017-04-26
Location : Literally Where Ever I Am
Re: I got a reply from my 3 letter process ... what now?
I have never heard of anyone getting paid, the usual response is " We will not be making a payment on your fee schedule as we have not agreed to any fee schedule and we have no contract or obligation to do so" or words to that effect.
For that reason I added the fee schedule in the 3 letters as a fair remuneration for your time .
My fee schedule is as follows;
1. Letter to inform me of your discontinuance of this claim Free
2. All letters received from you ,(to log,copy & file) £ 35.00 each
3. To respond to any letters ( inc logging,copying & filing £ 45.00 each
4. Any and all unauthorised telephone calls received,
to log,record ,file and store. £ 35.00 each
For that reason I added the fee schedule in the 3 letters as a fair remuneration for your time .
My fee schedule is as follows;
1. Letter to inform me of your discontinuance of this claim Free
2. All letters received from you ,(to log,copy & file) £ 35.00 each
3. To respond to any letters ( inc logging,copying & filing £ 45.00 each
4. Any and all unauthorised telephone calls received,
to log,record ,file and store. £ 35.00 each
daveiron- Admin
- Posts : 4897
Join date : 2017-01-17
Re: I got a reply from my 3 letter process ... what now?
Nice one
Thanks.
3rd letters are off. Let's see what happens by the 25th jun
Thanks.
3rd letters are off. Let's see what happens by the 25th jun
volgabulghar- Not so newb
- Posts : 78
Join date : 2019-05-26
Re: I got a reply from my 3 letter process ... what now?
To set a fair expectation, you need to be prepared for the long haul here...
As one great previous moderator called Faljay 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 will still try their luck even after you’ve sent them three letters and Estoppel. But they’ll give up eventually and sell on and you’ll have to go through all this again and again maybe, which has been the case in my experience and most others. You’re aiming to get to statute barred (6 years after any default date so long as you do not pay a penny back in between).
As one great previous moderator called Faljay 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 will still try their luck even after you’ve sent them three letters and Estoppel. But they’ll give up eventually and sell on and you’ll have to go through all this again and again maybe, which has been the case in my experience and most others. You’re aiming to get to statute barred (6 years after any default date so long as you do not pay a penny back in between).
Mrblue2015- Moderator
- Posts : 2468
Join date : 2017-06-11
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