Alf -v- Studio Cards

[IdaInFife]

If you fill the mandate in with mickey mouses details and made up bank account details do you think they would still try to set it up?

 

 

Ida x

[alfwithhair]

If you fill the mandate in with mickey mouses details and made up bank account details do you think they would still try to set it up?

 

 

Ida x

 

I wouldn't put it past them, but am not wasting the cost of a stamp on them.

 

If they want to go to court, then lets go then. I have letter from studio 14 November 07 admitting their is no signed agreement, so would take great pleasure in looking at their betrodened faces when the judge boots it out.

[The GodMother]

Dear Rotten Eggs.

 

*&^% off. If you dont i will set the MAFIA on to you.

 

Yours

Alf with hair.

 

The mafia will be the TS/OFT/ courts.

 

Blunt and straight to the point i think.

[godpikachu]

I wouldn't put it past them, but am not wasting the cost of a stamp on them.

 

If they want to go to court, then lets go then. I have letter from studio 14 November 07 admitting their is no signed agreement, so would take great pleasure in looking at their betrodened faces when the judge boots it out.

 

if they do take it to court, even AFTER they themselves have admitted they dont have any kind of credit agreement, they must enjoy paying other peoples costs because they should know that they havent got a leg to stand on.

 

more than likely they will just keep badgering you with letters and such, hoping that youll finally crack and pay up.

[alfwithhair]

Reply from Consumer Direct this morning about the Kilmarnock Cowboys.

 

"Thank you very much for taking the time to inform us of this issue. I have referred the case details to the relevant Trading Standards department for their information, to ensure that they are aware of this trader and their business practices.

Our experience shows that the best way to deal with this is by recorded delivery letter, as this will make the whole process appear more formal and help you prove you have been reasonable. I would suggest you address the letter to the manager or managing director of the debt recovery agency and Express Gifts Ltd and keep a copy. Briefly outline the complaint and request that the “account is put on hold while in dispute” this means that no additional costs should be added and the debt recovery agency should stop contacting you. A letter also lessens the chances of any existing relationship between you and the trader collapsing and enables you to prove, to a court if necessary, that you have been reasonable in trying to sort this out."

Don't know what they think I have been doing the last 20 months, 'send it by recorded' I have done about 5 times, still don't listen. But at least they bothered to get back to me, more than can be said of some companies. Will have to wait and see what TS have to say on the subject, if anything.

[IdaInFife]

Hey at least they didn't reply with this is not in our jurisdiction (sp?)

 

 

Ida x

[The GodMother]

OMG they must thing your stupid or summing

 

Write back buy recorded delivery advising that you have being doing that for 20 mths and your still getting no where

[alfwithhair]

Recieved OFT's reply to my complaint regarding Mucky's and Studio's failure to supply any agreement. Not telling me anything I didn't already know, but at least its on file now along with the thousands of others I am sure they receive every day.

 

"We have noted the details of your complaint, and we will consider this alongside any other complaints we have received with a view to any licensing action we may decide to take. Unfortunately, we cannot disclose any details about any action we may take, due to restrictions on the OFT relating to disclosure of information (Part 9 of the Enterprise Act 2002).

 

Providing copies of agreements regulated by the Act

 

As you may know, s63 of the Act covers how and when lenders must provide consumers with a first (and where appropriate second) copy of a regulated agreement. It is clearly in the lender’s best interests to retain details of the original agreement and any subsequent variations or changes made to it, particularly as consumers can request a subsequent ‘true’ copy of most types of agreement under ss77 and 78 of the CCA (and on payment of the appropriate fee). There are rules about what is likely to constitute a ‘true copy’ under these sections of the Act. Further, if a consumer does make a valid request for a copy of their agreements under these provisions and the lender does not comply with the request, the agreement may not be enforceable in the Courts, subject to any other mitigating factors.

 

Should you require specialist advice or assistance on the circumstances of your complaint (including in relation to the above provisions about copy requirements), you may wish to contact your local Citizens’ Advice Bureau or seek advice direct from a legal advisor.

 

The Financial Ombudsman Service (FOS) can help with most complaints about consumer-credit products and services if the consumer has failed to satisfactorily resolve the matter directly with the financial institution itself. FOS can be contacted at: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR; telephone number, 0845 080 1800, or www.financial-ombudsman.org.uk.

 

Thank you again for writing to us and bringing this matter to our attention.

 

Yours sincerely"

[The GodMother]

oh how helpful of them

[alfwithhair]

oh how helpful of them

 

I know Chrissy. They excel themselves everytime. Lol.

[The GodMother]

deffo.

 

it just proves a point i read earlier. if we complain about there antics then how long does it take till there fitness to hold a licence is called into question.

[alfwithhair]

Well, well, well.

Been nearly 12 months since heard anything about this one, Muckys were the last on the block.

Now letter this morning from this lot

P&A Receivables Services plc.

Anybody heard of this lot? Can't say I have.

Are the associatied with any other cretins?

[The GodMother]

Well hi alf Long time no speak.

 

Again our common interest has brought us to the same thread.

 

I have not heard of them but will google them to see what i can find.

[Curlyben]

*roflmao*

[The GodMother]

OMG i must be seeing thing 2 in one day. LOL

 

Hi again ben Nice to see u still about.

 

The website is spouting the normal rubbish.

 

Quoted directly from there website.

At P&A Receivables Services we have developed and sustained an enviable reputation for listening to clients' needs and delivering exceptional service.

We are one of the UK & Europe’s most progressive credit management and debt collection service providers. Our clients range from small regional businesses to global corporations, and vary across a multitude of industry sectors. Over 1000 businesses use and benefiting from our assistance

Our range of integrated services includes:

• commercial debt recovery across the UK,

  
  Europe, the Middle East and Africa

  
  

• receivables outsourcing

  
  

• receivables consulting

  
  

• a highly respected training programme

  
  

• asset recovery

  
  

• investigations

  
  

• on site litigation support

  
  

• commercial finance broking and ABL support

  
  

[The GodMother]

They are based in Sheffield and have capable, well trained, multi lingual staff whose capablilitys include

 

Customer care, credit collections management, query resolution and mediation and litigation

 

Well we both could use there skills.

 

* gets off floor after laughing*

 

Yep usual rubbish just write to them advising No cca no pay and your reporting them to TS oft and the BBC.

[alfwithhair]

Well I think they will be getting the same letter Muckys' got, BOG OFF, no agreement Studio said, so action is futile. LOL

[The GodMother]

U could always use the customer care or mediation service.

 

The mediation would be good.

 

ALf.... Studio stop harrassing me for a unenforcable debt and remove all from my credit record and i dont report studio for data protection and failing to have all the proper paperwork under the money laudering regs.

 

Mediatior ...Oh S*&%

[alfwithhair]

After reading this letter from P&A a bit closer I notice it says

"payments must be made to Revenue Collection Services?

Well I had a sniff about and what comes up for these people is

 

Belmont Finance (UK) Limited

3003852

 

Trading Name(s) (Current):

 

Belmont Leisure Solutions

Lifeforce Promotional Services

Revenue Collection Services

Total Optimum Project Services (

 

Who show different registered offices on credit licence to that on companies house

 

So am trying to find the conection between them and this P&A, but have drawn a blank. Seems a bit odd the are supposed to be collection agents for their client named as express gift, but the want me to pay some one else, who as far as I can find have no connection to either of them?

 

I like to be nosey, gives me a buzz LOL;)

[Conniff]

Revenue Collection Services

 

Services: Consumer Debt Collection, International Collections, Debt Purchase, Tracing

Contact: Mr S Robinson

Email: stuart.robinson@rcs.uk.net

Website: www.rcs.uk.net

Telephone: 01932 753219

Address: Windmill House, 91-93 Windmill Road, Sunbury on Thames, TW16 7WJ

 

Belmont Finance (UK) Ltd Sunbury on Thames Middlesex UK

Web: www.belmont-finance.co.uk

Belmont Finance (UK) Ltd provides through its three trading Companies Belmont Leisure Solutions, Lifeforce Marketing Services and Revenue Collections Services the one stop shop for leisure providers; a full membership collection service, custom made membership promotional campaigns and debt collection. Personal solutions are possible with one phone call to 01932 753200.

Belmont Finance (UK) Ltd

Belmont Finance (UK) Ltd provides through its three trading Companies Belmont Leisure Solutions, Lifeforce Marketing Services and Revenue Collections Services the one stop shop for leisure providers; a full membership collection service, custom made membership promotional campaigns and debt collection. Personal solutions are possible with one phone call to 01932 753200.

Address

1st Floor, Windmill House, 91/93 Windmill Road, Sunbury on Thames, Middlesex TW16 7ER

 

Telephone

+44 (0)870 458 6962

(Please mention sport-kit.net)

Edited November 22, 2009 by Conniff

[alfwithhair]

Revenue Collection Services

 

Services: Consumer Debt Collection, International Collections, Debt Purchase, Tracing

Contact: Mr S Robinson

Email: stuart.robinson@rcs.uk.net

Website: www.rcs.uk.net

Telephone: 01932 753219

Address: Windmill House, 91-93 Windmill Road, Sunbury on Thames, TW16 7WJ

 

Belmont Finance (UK) Ltd Sunbury on Thames Middlesex UK

Web: www.belmont-finance.co.uk

Belmont Finance (UK) Ltd provides through its three trading Companies Belmont Leisure Solutions, Lifeforce Marketing Services and Revenue Collections Services the one stop shop for leisure providers; a full membership collection service, custom made membership promotional campaigns and debt collection. Personal solutions are possible with one phone call to 01932 753200.

 

I see.

P&A Receivables Services plc address is also Sunbury on Thames so would presume they are another shoot from the same bulb. All these intertwined companies, worse than Ragwort, take over if you don't eradicate them

 

No matter, they are still getting nothing until I see a signed agreement, which won't be happening as Studio has already said they ain't got one.

[The GodMother]

thats the way to treat them alf.

[alfwithhair]

Just bin having a dig through all the paperwork for this one and came across the Default Notice.

 

At the time of its issue didn't know much about invalid aspect of defective ones, but after looking at it again now, I think it is defective.

 

It is dated 20th Sept 07 which was a Saturday, so not sure what would be the first day it is deemed to be served, would it be the Monday 22nd or Tuesday 23rd.

 

It gives a remedy date of 3rd November 07, which is also a Saturday. Either way it is still only 14 days from the date of the letter, not service.

 

There is also no amount stated to pay to remedy the breach, ie arrears.

Quoting in breach of payment terms of your agreement, of which there isn't a signed one,

 

CRA is showing date of Default 27th January 2008

 

Can anyone confirm that this is indeed an defective default noice?

Thanks

Alf

[The GodMother]

apart form the obvious differences, name addy etc, this is identical to mine and even sent by the same company.

 

It does not give days for delivery which it needs to. It does not give 14 clear days after delivery which it needs to. Also you have said it was dated a saturday well then the earliest you could have got it would be the tuesday as u dont get post on a sunday. to be a effective defult notice the remidy date would have needed to be the 6th November 2007.

 

About as useful as the sample credit agreements.

[alfwithhair]

apart form the obvious differences, name addy etc, this is identical to mine and even sent by the same company.

 

It does not give days for delivery which it needs to. It does not give 14 clear days after delivery which it needs to. Also you have said it was dated a saturday well then the earliest you could have got it would be the tuesday as u dont get post on a sunday. to be a effective defult notice the remidy date would have needed to be the 6th November 2007.

 

About as useful as the sample credit agreements.

 

Thanks Chrissy, thought as much. So have you had any luck getting the default removed from your CRA file?

What stage are you at now with Studio?