Change in titles between Letters 1-3 and Estoppel

by GRUNDWIGSANDERSHWEITZER Sun Aug 08, 2021 11:19 pm

Hi to all.
just a quick one... as I've sent the letters 1 - 3 to original creditors (not all successfully delivered but that'll be the topic of a separate post) and now I should be sending the estoppel to them but I've noticed a sudden change in the templates in titles from myself (name) of the family (surname)(https://goodf.forumotion.com/t1153-new-alternative-letters-for-original-lenders-bank-credit-cards) addressing them to (https://goodf.forumotion.com/t5034-notice-of-estoppel) :
"

of the family: Authorised Representative for

and all derivatives thereof
c/o
"
could anyone clarify it for me? Should I be going for the new format or stick to the one from previous correspondence?

Thank you all in advance. Smile

by **daveiron** Mon Aug 09, 2021 8:46 am

Hi ,personally i would not use copyright / trade mark part. ( i know a member
who is going along a similar route but its early days yet and is a little more
involved ).
I suggest in the meantime you study and comprehend the NoCA method for
when its sold on.

A Data Subject Access is always a good idea for anyone claiming you owe
them.

by GRUNDWIGSANDERSHWEITZER Mon Aug 09, 2021 9:44 am

Thank you daveiron.

I have another question but I'm not sure if should ask it here or create another post with a different title... goes like that:
I'm trying to wrap my head around the exact order/sequence of the letters for each particular group: original creditors, debt purchasers, debt collection agencies.
So far I figured:

ORIGINAL CREDITORS
Letters 1 - 3 sent 10 days apart (source: https://goodf.forumotion.com/t1153-new-alternative-letters-for-original-lenders-bank-credit-cards)
Estoppel send 30 days after the third letter (source: https://goodf.forumotion.com/t5034-notice-of-estoppel)
Noca (Notice of Conditional acceptance) Send 10 days after the estoppel notice (Source: https://goodf.forumotion.com/t4974-notice-of-conditional-acceptance)

DEBT PURCHASERS
Letters 1-3 sent 10 days apart (source: https://goodf.forumotion.com/t1131-new-3-letters-for-debt-purchasers)
Estoppel send 30 days after the third letter (source: https://goodf.forumotion.com/t5034-notice-of-estoppel) ... Is that the same notice as to Original Creditors?
Noca (Notice of Conditional acceptance) Send 10 days after the estoppel notice (Source: https://goodf.forumotion.com/t4987-notice-of-conditional-acceptance-for-debt-purchasers-only)

DEBT COLLECTION AGENCIES - DCA's
Letters 1-3 sent 10 days apart (source:https://goodf.forumotion.com/t1163-new-alternative-letters-for-dca-s-acting-as-agents)
... and here I'm not sure if I should be sending notice of estoppel and/or notice of conditional acceptance or end on the three letters??

As I'd like to do it right I keep wondering if I got the process right or am I missing something ?

by **daveiron** Mon Aug 09, 2021 10:43 am

No problem, its good to ask questions.
In your case its probably best after the estopple to wait to see what
they do next. Usually its sold off ,which should make things easier for you.

(Let us know if its HSBC as they sometimes litigate instead of selling on.)

I would hold off sending the NoCA ,& use the time to learn the process.
links below are recommended.

https://www.youtube.com/channel/UCaKuosQRAchAOrN0-y4SW1A
https://www.youtube.com/channel/UCqtZOPwCbGxlH7fv5We9PuQ
https://www.youtube.com/channel/UCLabwSzJqW1itsxcFrqu15g
https://goodf.forumotion.com/t5178-using-maxims#34776
https://goodf.forumotion.com/t5129-signatures

by **Mrblue2015** Mon Aug 09, 2021 11:12 am

Agreed with all of the advice DaveIron has provided thus far.

by GRUNDWIGSANDERSHWEITZER Mon Aug 09, 2021 2:50 pm

Thanks. I'm subscribed to those channels now just need to spend more time on watching and learning Smile

Just for clarification:
1. Do I use the same estoppel notice to Debt Purchasers as to Original Creditors ?
2. Do I end communication with DCA's on letter 3 or should I continue through Estoppel to NoCA?

by **daveiron** Mon Aug 09, 2021 3:17 pm

The same estopple will do ,just adapt if necessary.

For any debt that is already with a DEBT PURCHASER. Send them a
Data Subject Access Request. While you are waiting for that learn
the NoCA & Affidavit method. That will be your next move.

DEBT COLLECTORS are just parasitic interlopers & have no standing,just
make life awkward for them ,send them a DSAR as well, it costs them money
for no reward.

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