Search
 
 

Display results as :
 


Rechercher Advanced Search

Latest topics
» Lowell Court Claim - Former Tesco CC
by waylander62 Today at 10:11 am

» Hit Our Target
by assassin Today at 2:35 am

» Latest from CrimeBodge
by assassin Today at 1:40 am

» Voters registration
by assassin Today at 1:34 am

» Reality chat , every wednesday at 8pm (ish)
by Society of the Spectacle Yesterday at 7:39 pm

» Debt Collectors
by Tvarred Yesterday at 4:08 pm

» NEW MEMBER
by Mrblue Yesterday at 8:37 am

» Greetings community and admin
by Mrblue Yesterday at 8:36 am

» Aquiess rainmaking using Electromagnetic Frequencies
by Sharpysparky Tue Nov 19, 2019 10:08 pm

» Yet Another Great Example How To Pay
by LionsShare Tue Nov 19, 2019 8:24 pm

» Another For Awoken 2
by Awoken2 Tue Nov 19, 2019 1:15 pm

» Prince Andrew, Epstein, Clinton, Savile And McCann: Sonia Poulton | True Crime Podcast 59
by treeze Tue Nov 19, 2019 12:11 pm

» TESCO CREDIT CARD & LOWELLS
by Ithesoul Tue Nov 19, 2019 9:35 am

» sol excalibre with cookiemonster
by Society of the Spectacle Mon Nov 18, 2019 7:07 pm

» Can they take my car?
by allrightsreserved Mon Nov 18, 2019 2:59 pm

» filling in 3 letters help
by daveiron Mon Nov 18, 2019 12:21 pm

» PRA Group
by daveiron Mon Nov 18, 2019 8:19 am

» webster report
by LionsShare Sun Nov 17, 2019 6:31 pm

» Melanie Shaw: Child Rape Whistleblower In Her Own Words
by LionsShare Sun Nov 17, 2019 3:35 pm

» Am I missing something ?
by LionsShare Sun Nov 17, 2019 2:54 pm

» Threat to pay, possible statute barred
by allrightsreserved Sun Nov 17, 2019 12:18 pm

» Cabots -16 weeks?
by angelao1 Sat Nov 16, 2019 7:11 pm

» Trust Law Issue
by toolapcblack Sat Nov 16, 2019 11:43 am

» I dont think PRA like me anymore
by allrightsreserved Sat Nov 16, 2019 10:55 am

» How Do I Reclaim my Strawman?
by Tom Bombadil Fri Nov 15, 2019 9:39 pm

» Do you want to be just left in peace /
by Mrblue Fri Nov 15, 2019 12:19 pm

» Visualizing the November Energy Update Themes (Animation)
by treeze Thu Nov 14, 2019 7:49 pm

» 3 letter process download
by Mrblue Thu Nov 14, 2019 4:22 pm

» Latest Rich Planet vids Richard Hall
by daveiron Thu Nov 14, 2019 12:49 pm

» address
by mongoose Thu Nov 14, 2019 3:59 am

» Water Water Everywhere and Droughts In Summer
by assassin Thu Nov 14, 2019 2:27 am

» Flush out the sodium fluoride
by sirus0 Thu Nov 14, 2019 12:33 am

» NEW MEMBER
by AlkoTea Wed Nov 13, 2019 8:23 pm

» Court date
by Cookiemonster2 Tue Nov 12, 2019 6:23 pm

» Help required with research.
by Stevro Tue Nov 12, 2019 1:30 pm

» judges and original contracts to court
by Stevro Tue Nov 12, 2019 1:42 am

» Defult notice
by Cookiemonster2 Mon Nov 11, 2019 11:16 pm

» Cabot reply after 3 letters
by Mrblue Mon Nov 11, 2019 1:24 pm

» A4V
by LionsShare Mon Nov 11, 2019 12:15 pm

» Utility Template SAR
by LionsShare Mon Nov 11, 2019 9:36 am

» Bank Insurance Claims for debts
by LionsShare Mon Nov 11, 2019 9:19 am

» Strange sky
by flyingfish Mon Nov 11, 2019 9:02 am

» Robinson way sent me the application form I've filled in
by sirus0 Sun Nov 10, 2019 11:23 pm

» My credit card come back alive
by sirus0 Sun Nov 10, 2019 11:07 pm

» Help required with my recent CCJ
by Stevro Sat Nov 09, 2019 4:03 pm

» Do creditors need to produce your original signed agreement?
by Stevro Sat Nov 09, 2019 4:00 pm

» Cabot Financial - My Next Step
by Stevro Sat Nov 09, 2019 3:58 pm

» Hydraponics
by daveiron Sat Nov 09, 2019 11:42 am

» Brexit & Common Law
by flyingfish Sat Nov 09, 2019 10:31 am

» 24 Storey Tower on Fire in Kensington - dies
by Awoken2 Fri Nov 08, 2019 9:06 pm

» lawful rebellion ?
by mitch Fri Nov 08, 2019 6:08 pm

» Better Comprehension
by LionsShare Thu Nov 07, 2019 7:16 pm

» Off-Grid Basics Land and Planning
by Kestrel Thu Nov 07, 2019 6:10 pm

» Power of lemons
by chong Thu Nov 07, 2019 5:35 am

» Renewable Energy is a Scam?
by jrb Wed Nov 06, 2019 10:12 pm

Moon phases


I got a reply from my 3 letter process ... what now?

Page 1 of 2 1, 2  Next

Go down

I got a reply from my 3 letter process ... what now? Empty I got a reply from my 3 letter process ... what now?

Post by volgabulghar on Thu Jun 06, 2019 8:39 pm

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.

volgabulghar
Not so newb
Not so newb

Posts : 78
Join date : 2019-05-26

Back to top Go down

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by daveiron on Thu Jun 06, 2019 9:16 pm

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.
daveiron
daveiron
Admin
Admin

Posts : 2205
Join date : 2017-01-17

Back to top Go down

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by assassin on Fri Jun 07, 2019 4:03 am

Only use letters and not telephone, E-mail, ot other mediums.
assassin
assassin
Admin
Admin

Posts : 2132
Join date : 2017-01-28
Location : Wherever I Lay My Head

Back to top Go down

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by Mrblue on Fri Jun 07, 2019 8:56 am

@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"... ;-)
Mrblue
Mrblue
Moderator
Moderator

Posts : 698
Join date : 2017-06-11
Location : On the side of justice and beside those in need

Back to top Go down

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by Mrblue on Fri Jun 07, 2019 8:57 am

@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).

Mrblue
Mrblue
Moderator
Moderator

Posts : 698
Join date : 2017-06-11
Location : On the side of justice and beside those in need

Back to top Go down

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by Mrblue on Fri Jun 07, 2019 10:37 am

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.
Mrblue
Mrblue
Moderator
Moderator

Posts : 698
Join date : 2017-06-11
Location : On the side of justice and beside those in need

Back to top Go down

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by volgabulghar on Sat Jun 08, 2019 5:14 pm

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 got a reply from my 3 letter process ... what now? 111

volgabulghar
Not so newb
Not so newb

Posts : 78
Join date : 2019-05-26

Back to top Go down

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by Mrblue on Sat Jun 08, 2019 10:07 pm

You’re welcome. Keep calm and carry on as they say...
Mrblue
Mrblue
Moderator
Moderator

Posts : 698
Join date : 2017-06-11
Location : On the side of justice and beside those in need

Back to top Go down

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by volgabulghar on Sun Jun 09, 2019 4:49 pm

2nd letter?

volgabulghar
Not so newb
Not so newb

Posts : 78
Join date : 2019-05-26

Back to top Go down

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by Mrblue on Sun Jun 09, 2019 6:50 pm

Yes
Mrblue
Mrblue
Moderator
Moderator

Posts : 698
Join date : 2017-06-11
Location : On the side of justice and beside those in need

Back to top Go down

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by volgabulghar on Thu Jun 20, 2019 5:40 pm

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

volgabulghar
Not so newb
Not so newb

Posts : 78
Join date : 2019-05-26

Back to top Go down

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by daveiron on Thu Jun 20, 2019 5:50 pm

Sorry its not going to be that simple. just stick to the letters 10 days apart & see what occurs & take it from there.
daveiron
daveiron
Admin
Admin

Posts : 2205
Join date : 2017-01-17

Back to top Go down

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by volgabulghar on Thu Jun 20, 2019 6:00 pm

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


Last edited by volgabulghar on Thu Jun 20, 2019 6:06 pm; edited 1 time in total

volgabulghar
Not so newb
Not so newb

Posts : 78
Join date : 2019-05-26

Back to top Go down

The author of this message was banned from the forum - See the message

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by volgabulghar on Thu Jun 20, 2019 6:09 pm

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
Not so newb

Posts : 78
Join date : 2019-05-26

Back to top Go down

The author of this message was banned from the forum - See the message

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by Mrblue on Thu Jun 20, 2019 10:21 pm

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
Mrblue
Mrblue
Moderator
Moderator

Posts : 698
Join date : 2017-06-11
Location : On the side of justice and beside those in need

Back to top Go down

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by Mrblue on Thu Jun 20, 2019 10:33 pm

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...)
Mrblue
Mrblue
Moderator
Moderator

Posts : 698
Join date : 2017-06-11
Location : On the side of justice and beside those in need

Back to top Go down

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by volgabulghar on Mon Jun 24, 2019 8:17 pm

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 Very Happy


volgabulghar
Not so newb
Not so newb

Posts : 78
Join date : 2019-05-26

Back to top Go down

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by Mrblue on Tue Jun 25, 2019 11:42 am

Carry on with letter 3 buddy. Why not set the fee higher..? They are wasting YOUR time remember...
Mrblue
Mrblue
Moderator
Moderator

Posts : 698
Join date : 2017-06-11
Location : On the side of justice and beside those in need

Back to top Go down

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by volgabulghar on Tue Jun 25, 2019 12:46 pm

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!

volgabulghar
Not so newb
Not so newb

Posts : 78
Join date : 2019-05-26

Back to top Go down

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by LionsShare on Tue Jun 25, 2019 1:34 pm

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.
LionsShare
LionsShare
Moderator
Moderator

Posts : 975
Join date : 2017-04-26
Location : Literally Where Ever I Am

Back to top Go down

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by daveiron on Tue Jun 25, 2019 1:52 pm

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
daveiron
daveiron
Admin
Admin

Posts : 2205
Join date : 2017-01-17

Back to top Go down

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by volgabulghar on Tue Jun 25, 2019 4:34 pm

Nice one
Thanks.

3rd letters are off. Let's see what happens by the 25th jun

volgabulghar
Not so newb
Not so newb

Posts : 78
Join date : 2019-05-26

Back to top Go down

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by Mrblue on Wed Jun 26, 2019 9:26 am

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).
Mrblue
Mrblue
Moderator
Moderator

Posts : 698
Join date : 2017-06-11
Location : On the side of justice and beside those in need

Back to top Go down

I got a reply from my 3 letter process ... what now? Empty Re: I got a reply from my 3 letter process ... what now?

Post by Sponsored content


Sponsored content


Back to top Go down

Page 1 of 2 1, 2  Next

Back to top


 
Permissions in this forum:
You cannot reply to topics in this forum