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Moon phases


Three letters

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Three letters Empty Three letters

Post by Eldeano on Wed Jan 08, 2020 3:17 pm

Hi all

I’ve had success twice using the 3 letter process and am currently challenging 2 more, however I’ve noticed a difference this time with the lenders ( Barclays and Newday) writing to me to inform me that they’ve sold the (alleged) debt to debt collectors and attached a letter from the DCAs (PRA & Cabot) who are informing me I now owe them money and have updated my credit report reflecting this

Does the process still work?

Any advice would be great

Eldeano
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Three letters Empty Re: Three letters

Post by Mrblue2015 on Wed Jan 08, 2020 4:04 pm

Hi,

Yes the three letter process works but you must ensure you use the correct letters, either for:

Original Creditors (OCs) ie banks, credit card lenders etc

Debt Purchasers (DPs)

Debt Collection Agents (DCAs) - who collect on behalf of a DP but have no legal standing.

NOTE: DPs can choose to collect themselves and not use a DCA.

Hope this helps!
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Three letters Empty Re: Three letters

Post by Eldeano on Wed Jan 08, 2020 4:39 pm

Thanks Mr Blue, yes both debts have been purchased, can you point me in the direction of the DP 3 letter templates?

Eldeano
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Three letters Empty Re: Three letters

Post by daveiron on Wed Jan 08, 2020 4:44 pm

Letters here,

https://goodf.forumotion.com/f37-new-letters-process

It would be a good idea at this point to send a DSAR to the original creditors .
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Three letters Empty Re: Three letters

Post by Mrblue2015 on Wed Jan 08, 2020 7:04 pm

Agreed with DI as the results of a data subject access request (DSAR) can take a LOT longer than the ‘supposedly’ one calendar month requirement...
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