Rockwell threatogram ouch!

[mr.ton]

Oh deary me...its amazing how they make the above letter sound so official & full of authority, when in fact it has none whatsoever

[beetzart]

So according to that above letter a true copy doesn't have to contain your name address and signature?

[The GodMother]

so hang on how if it does not have to contain your name address and signature then how can they say it is yours?

 

For all you know is it could be the bloke 3 towns away.

[Patma]

so hang on how if it does not have to contain your name address and signature then how can they say it is yours?

 

For all you know is it could be the bloke 3 towns away.

That's what's worrying me too. I'm hoping someone with a good understanding of the all this can clarify it, because I found the OFT letter very confusing.

The other thing that worried me is that they still seem to think it's an offence after 30 days, not to come up with a CCA.If the OFT doesn't know the law, where does that leave us.

On the bright side, they are at least showing a spark of interest in Tessera (and it's various pseudonyms acitivities).

[rory32]

They are quite right in stating that the copy doesn't have to contain your name, address or signature. What they are also quite right in stating however is that the agreement can not be enforced without these elements as they could not demonstrate that what they have supplied is indeed a true copy of the agreement.

The other thing that worried me is that they still seem to think it's an offence after 30 days, not to come up with a CCA.If the OFT doesn't know the law, where does that leave us.

What you've received from the OFT is a standard template letter which they obviously haven't updated yet.

[Patma]

Thanks Rory for that explanation. I think I'm having a senior moment tonight, though because I'm still confused a bit about what use a copy agreement could be without the name address or signature on it.I don't understand how it can be acceptable to provide a copy without those details, yet it be unenforceable. Sorry to be a bit thick. Probably time to put the kettle on.

[ScarletPimpernel]

a standard template letter which they obviously haven't updated yet.

 

Doesn't this speak to the OFT's commitment to protecting consumers and regulating holders of consumer credit licences?

[Patma]

What you've received from the OFT is a standard template letter which they obviously haven't updated yet.

 

Doesn't this speak to the OFT's commitment to protecting consumers and regulating holders of consumer credit licences?

 

It certainly doesn't inspire confidence, I agree.

[rory32]

Thanks Rory for that explanation. I think I'm having a senior moment tonight, though because I'm still confused a bit about what use a copy agreement could be without the name address or signature on it.

It's of absolutely no use.

 

Don't confuse complying with your CCA request and providing an enforceable agreement - the two are not the same at all.

Doesn't this speak to the OFT's commitment to protecting consumers and regulating holders of consumer credit licences?

Hopefully they will actually do something with the CPUT Regs. Next to TS the OFT positively shine.

[Fuzzgin]

my reading certainly made me think they were saying "valid even if not signed by you." The OFT should be more precise when advising consumers.

[Patma]

Ah! The penny drops, thanks Rory. DURRR!

 

Hopefully they will actually do something with the CPUT Regs. Next to TS the OFT positively shine.

Yep, I was pretty surised that they actually took any notice of my complaint, but the template letter must have done some good.

[Patma]

Happy New Year to one and all!

Another year, another DCA

Ont the 29th December I received the following threatogram. Notice it is dated the 23rd and it gives me 5 days to respond. It was sent by second class post.

 

I was under the impression also that they weren't supposed to invite you to pay a debt with a credit card.

 

Does anyone know please whether this means the debt has been sold to this crew or whether they're just collecting it.

 

I guess I'll send them the usual letter about being surprised the debt has been passed to them when it's in dispute with the original creditor. Any other suggestions and comments would be much appreciated. Thanks, Patma

 

Edited January 2, 2009 by Patma
left personal details

[mr.ton]

I love it when another DCA bites the bullet like that

 

(Edit...Oooops sorry, that was in response to a post on here from 16th July last year - my apologies)

[SkemDosser]

Patma:

 

Happy New Year to one and all!

Another year, another DCA

Ont the 29th December I received the following threatogram. Notice it is dated the 23rd and it gives me 5 days to respond. It was sent by second class post.

 

SD:

 

Hi Patma I'm going through the same thing with Rockwell over 2 M&S accounts myself. No CCA's provided, accounts in dispute and Rockwell/Fenton Cooper/M&S effectively told to bog off.

 

So I can probably look forward to a similar letter from these jokers myself in the next couple of days. Because it's been passed on so quickly to another DCA they clearly DO NOT have anything close to an enforceable credit agreement. So I'd be inclined to either ignore this rubbish or just send them a three line letter telling them to go play with the traffic, and use any subsequent correspondence from them to make nice chinese lanterns out of lol

[sillygirl1]

Id write back stating

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

This debt has been in dispute4 since XXX date. No clear legible LEGAL copy of an agreement has been supplied.

 

A copy of your letter is going to the relevant authorities as I have no liability for this unenforceable debt.

 

Remember not to sign the letter, and send it second class, as you might have their fax no fax it to them and also see if there is an email addy and email it to them as well.

[Patma]

Thanks for your input SkemDosser and Sillygirl. I agree with you both and will send the appropriate letter. I'm still wondering if it's worth reporting them to the OFT or TS for their letter which doesn't seem to me to be within the OFT guidelines. I know it's probably a waste of time, but eventually someone has to take notice and do something about flagrant breaches surely. Or am I just in cloud cuckoo land?

[cashins]

Thanks for your input SkemDosser and Sillygirl. I agree with you both and will send the appropriate letter. I'm still wondering if it's worth reporting them to the OFT or TS for their letter which doesn't seem to me to be within the OFT guidelines. I know it's probably a waste of time, but eventually someone has to take notice and do something about flagrant breaches surely. Or am I just in cloud cuckoo land?

 

Bit of a mute point:

 

If you do complain, it may not get anywhere.

 

If you don't complain it certainly won't get anywhere.

 

David

[Patma]

Well before I'd even got around to sending my reply to the first letter from Collect Direct along comes another.

I 'm now supposed to be quaking I guess.

 

Edited January 12, 2009 by Patma
Removed personal info

[fiftypence]

Oh dear your five days are up today - what are you going to do? Proceed straight to jail you naughty rogue debtor!

 

'may be passed to a PRIVATE INVESTIGATOR', 'examined under oath', 'may make a Land Reg search', 'above action may be taken against you' blimey I bet the M, A and Y keys of their keyboards are knackered!

 

Singed by R King - that's a typo, his first name is Wan.

[cashins]

'may be passed to a PRIVATE INVESTIGATOR', 'examined under oath', 'may make a Land Reg search', 'above action may be taken against you' blimey I bet the M, A and Y keys of their keyboards are knackered!

 

Curiously enough their website actually has a picture of what appears to be a worn out keyboard, an option to pay 'if you have received correspondence from us' and that's about it.

 

Don't think you have to much to worry about.

 

David

[davey77]

Patma, your personal details are still showing on post 43. Might want to remove that.

[Patma]

Thanks for spotting that, Davey. I think I must have been half asleep when I posted it.

We're in exactly the same part of the world btw. Glad to see someone is awake round here.

[davey77]

No worries, made the same mistake more than once on here myself. You'll know it's raining cats and dogs then being down here so no good me asking if it's sunny there at the mo

 

Roll on summer!

[Patma]

Yep it's raining for all it's worth, and foogy here too, but it's certainly warmer. Hope this summer is better than last year.

[The GodMother]

Singed by R King - that's a typo, his first name is Wan.

 

 

love it.