Babydoll/ debitas

[babydoll0141917]

hi all

 

got a default on crap1..limit was 1000 now 1.600 with added late payment fees etc..been paying token payment of 1.00 since september..they now passed to debitas,sent them all expentiture details has crap 1 was ignoring the fact that i sent thm my expenditure details etc about 4 times ..kepted getting letter saying they wanted this that etc..

 

i sent debitas all the details on the 25 feb ..no reply i didnt send recored so im hoping they have got them ..since then they are phoning bout 7 times a day,my nxt port of call will be a harrassment letter and a letter asking if they received the expenditure /proof of benefits etc ..is this the best thing to do ??

 

cheers guys

[tiglet]

Hi there

 

You can CCA debitas to see if they have a legal right to collect the debt and slap the telephone harassment letter in for good measure.

 

You can also send crap1 a SAR and start reclaiming unlawful charges, therefore reducing the debt further.

[babydoll0141917]

hi tig

 

yep i got me CCA al ready to post..with a telephone harrassment letter included..i had a letter of debitas yesday..saying thanks for expenditure form etc but we really need you to phone us (yeh right) LOL..ive also added a letter stating i do not telephone any one reguarding ppl like you ..letters only ..will keep u informed tiglet ..and my next letter will be to crap1 S.A.R

[steven4064]

Babydoll - have read of this thread. It's a good laugh and you may get somew ideas

[babydoll0141917]

PMSLLLLLL that was ace...never laughted so much at 8am in the morning ...

[babydoll0141917]

well debitas have sent yet another random letter ..none of my questions have been answered ..no mention of my CCA request..the 2+10 days are up on 21 march..they still phone me even after i sent a telephone harrasment letter..they keep asking me to call them( which im not going to do) ive asked for all corrispondance to be by letter ...r these ppl twats or what LOL:mad:

[steven4064]

Hi babydoll

 

HAve a look at this thread - it explains why the DCAs behave like this

[babydoll0141917]

thanks steven

 

ive sat and read that thread..very good!! im hoping he comes back and edits more ..

[babydoll0141917]

UPDATE..since i sent a CCA to debitas ive had 2 letter the last one is that i havent phoned them..and if i dont they will consider legal action ..the 2 plus 10 days is up fri 21st ...they havent even acknowledged my letters the 1 bout telephone harrassment/and i only want communication by letter hasnt been acknowledged either ..these ppl are a nitemare..do i answer these letters or just leave till i get the CCA ?? well thats if i get the CCA LOL:) ..or shall i write to them saying when they respond to my letters and requests..ill respond to theres??..they have all the information they need reguarding benefits /expenditure etc ..i know this is just another random letter but i do hate ignorance

 

thanks guys

[steven4064]

I would just answer the letter and say that you will only deal with them in writing and therefore have no intention of phoning them. Anyth ing they want to say to you can go in a letter.

[babydoll0141917]

cheers steven xx:D

[babydoll0141917]

hi

 

CCA debitas on the 5th march

received 7th march ,,

10 + 2 days was up yesday

..received a letter of crap1 today saying

they need a signature that matches their records before they will send the CCA.

.what shall i do?

all my sigs on letters are printed as ive read from this great site that it has been known for them to copy sigs..help pls !!!

[Curlyben]

Oh dear seems they are badly informed as a signature is NOT required for a CCA.

 

Throw this at them

Dear Sir/Madam,

 

RE Account NO XXXXXXXX

 

Thank you for your letter dated xx/xx/2007 the contents of which are noted

 

In your letter you make reference to requiring my signed authorisation before you comply. I draw your attention to the fact that the Consumer Credit Act 1974 does not require that I supply you a copy of my signature before you comply with my S78 request.

 

If it is for Data Protection purposes then I can happily supply you with documentation to substantiate my identity to you.

 

However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.I have to ask if you are concerned that you are corresponding with the correct person why has it taken so long to raise this matter.

 

As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of data protection, listed in schedule 1 of the Data protection Act 1998:

 

7. Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data.

 

My request for a true copy of my credit agreement under section 78 was made on xx/xx/2007 and the 12 working days for your compliance expire on xx/xx/2007. I note that there is no provision that removes the requirements of the act to provide this information on time, even if you are unsure of my identity.

 

I look forward to receiving the documentation requested.

 

I would appreciate your due diligence in this matter.

 

I await your rapid response.

 

Yours Faithfully,

[babydoll0141917]

thanks curly ...your an angel..will get that printed and sent today

[IIIUMINATI]

Friend of mine developed severe arthritis unable to provide signatures apart from a cross which I witness as and when required.

Makes him cross too.

[excel1]

could that possibly be for dodgy faking reasons surely not!!

[ODC]

DCAs are 'professionals' who would never dream of using cut and paste to insert a signature where required.

 

 

 

Oh look there's another flying pig

[forumreg1]

Isn't requiring a signature also a breach of the OFT guidelines?

[babydoll0141917]

UPDATE!!

well i sent the letter thanks to curly

...to crap1 about not needing a signature for them to send my CCA.

.today i get another letter saying they still wont send untill they get a sig blah blah blah...what do i do now ??

 

i really dont want to send a sig and let them get their own way.

.they are in default.

. and would of committed a criminal offence on 28 april

[Santos L Helper]

Hi

 

Do absolutely nothing.

 

You have sent a legal request with the required payment for such a request. They are trying to confuse you by asking for a proof of your signature.

 

The letter Curly Ben advised you send, informed them that you know your rights concerning signatures, which you do.

 

Ignore them, they have had the request, they know the time scales they have, to provide the information you requested.

 

You are in the right, they are in the wrong, simple as,

 

I think they may not have an enforceble agreement

 

 

Happy Days

 

Santos

[ODC]

Being CAPONE its highly unlikely that they will have a valid CCA agreement

[Sunshine Girl]

Hi,

I've just requested a CCA and I signed the letter!! Will this matter???

[ODC]

It doesnt matter whether you sign it or not. Certain allegations have been made about unscupulous persons cutting and pasting signatures

[babydoll0141917]

well im still awaiting for my CCA of CRAP1 ..

.next wk they have committed a criminal offence as the 12+2 and 30 days will be up

..but this morning i have received a letter saying i can pay 1.00 pound a mth for a yr then my situation will be assessed.

..mmmm r they saying they havent got a CCA as they keep asking for my signature aswell???

[2Grumpy]

How about using one of the curly fonts in your word processor that look a bit like handwriting? My DCAs & bank seem happy with that.

 

Grumpy