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Moon phases


Hello from newcastle upon tyne

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Hello from newcastle upon tyne Empty Hello from newcastle upon tyne

Post by Luxisbac on Thu Sep 05, 2019 2:17 pm

Thankyou for allowing me to join the forum

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Hello from newcastle upon tyne Empty Re: Hello from newcastle upon tyne

Post by LionsShare on Thu Sep 05, 2019 2:18 pm

welcome
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Hello from newcastle upon tyne Empty Re: Hello from newcastle upon tyne

Post by Mrblue on Thu Sep 05, 2019 4:04 pm

You’re very welcome Luxisbac
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Hello from newcastle upon tyne Empty Re: Hello from newcastle upon tyne

Post by Mrblue on Thu Sep 05, 2019 4:24 pm

There’s plenty of help on hand here. A good and friendly bunch to be found, so you won’t feel alone. But to be safe, and at least until you become comfortable with the approach etc., I recommend that you only take advice from people with at least 2 or 3 stars against their profile as it’s not been unknown for the odd troll (Debt Purchaser / Debt Collection Agency / solicitor even) to pop up masquerading as a legitimate person in need of help but giving out misleading advice... Having said that, the fantastic admins / moderators (thank you friends) on here do a stirling job kicking the trolls out :-)

ALSO: 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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Hello from newcastle upon tyne Empty Re: Hello from newcastle upon tyne

Post by daveiron on Thu Sep 05, 2019 4:26 pm

Welcome.
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Hello from newcastle upon tyne Empty Re: Hello from newcastle upon tyne

Post by Mrblue on Thu Sep 05, 2019 4:37 pm

Also, some terminology to note as there can sometimes be a little confusion:

Debt Purchaser: purchases debts from an original creditor (OC) or another debt purchaser (yep, these debts often get sold over and over...).

Debt Collection Agencies (DCA): simply collects a debt on behalf of a Debt Purchaser.

Note: Some people refer to Debt Purchasers as ‘purchasing DCAs’. Fine of course, but it’s important you at least know what a ‘Debt Purchaser’ and ‘DCA’ are when picking the correct templates / dealing with these scumbags...

So if you’re dealing a Debt Purchaser, templates which can be found here:

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

If you’re dealing with a DCA, templates can be found here:

http://goodf.forumotion.com/t1163-new-alternative-letters-for-dca-s-acting-as-agents

Remember to send the template letters 10 days apart and by Royal Mail signed for delivery. And make sure you download a PDF of the signature once each letter has been delivered / signed.

With the first letter you send, also send a Removal of Implied Rights of Access which can be found here:

http://goodf.forumotion.com/t264-removal-of-implied-right-of-access

Whatever they send in reply (unless it’s from a solicitor on their behalf - VERY unlikely at this stage, if ever - then don’t worry and keep to the letter system / timescales. The fear (an IMAGINARY obstacle, nothing more in this context) does go, trust me. As one previous moderator once said: “it’s just people in an office...”.

You will also learn to see how incompetent so many of them are and I have come across plenty of examples from debt purchasers and debt collection agencies.

You’ll also start to sense the frustration in their letters - which should tell you all need to know... ;-) They’ll bandy about phrases like “we are aware you are using template letters” (and they aren’t?) And “we may litigate” etc (if I had a £ for every time they said “may”...) And so on.

Again, there will only ever be anything of any potential concern if they ever say something along the lines of “we will be litigating / you will hear from a solicitor” etc. Note “will”. Those responses are important to deal with and should not be ignored. They also often try to mince with your (and their) words as well as twist your words. Who cares; there’s no room for lack of interpretation in OUR letters. You get the idea...

So; as long as you’re organised (get a folder - my one is pretty thick now!) / keep copies of your letters (and theirs i.e. those of the original creditors, debt purchasers / collection agents) - and your recorded delivery receipts / signatures - you’ll be in good shape and find that the three letter template approach works.

I’ve been using the system with success for years as have others and one debt Purchaser has already admitted the account they have for me is not enforceable in a court (ie implied admission they do what was asked of them in the letters i.e. they cannot EVIDENCE any alleged debt...) ;-)

Perhaps, as I do, keep your folder out of site and forget about it and the low lives and get on with your life without fear in between receiving and sending letters.

All the best
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Hello from newcastle upon tyne Empty Re: Hello from newcastle upon tyne

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