M&S CCA request? need signature, Confused with SAR?

[exchange]

Hi Elgrand

 

Been reading your thread and I am a bit ahead of you with M&S. On the SAR issue they managed to send me someone elses info!

 

Received letters today from Collect Direct but don't expect them to be a problem to see off.

[Elgrand]

Hi Exchange

 

Got a letter today from Collect Direct as well.

 

Been reading your thread and I am a bit ahead of you with M&S. On the SAR issue they managed to send me someone elses info!

Unbelievable arn't they!

 

A SAR will be my next move.

 

Elg

[Elgrand]

Latest response from Collect Direct.

 

Received today

 

[ajs444]

Collect Direct are a bunch of T**sers, latest letter I have received from them says that I accepted transfer to from Store Card to Credit Card verbally.

Must be some new kind of agreement!!!!

Edited October 28, 2009 by ajs444

[exchange]

Hi Elgrand, I suppose I'll be getting the same letter soon. M&S may well be allowed to send the info on to a third party but shouldn't there be a notice of assignment. How do any of us know that Collect Direct have not illegally obtained our details and it is a [problem]? I have written back to them telling them I don't pay money to companies I have no contract with.

Also, I am not in the UK, yet they send everything to me by UK second class, idiots!

Edited October 28, 2009 by exchange
Correction

[Deb T]

They can pass it on to a third party (if it states as much in the T&C's )and there doesn't have to be a notice of assignment for them to do so. Doesn't mean you have to talk to the third party mind.

 

Assignment is usually only when the original creditor has sold the debt on to a third party at which point a valid assignment notice should be sent to you etc.

 

 

Hi Elgrand, I suppose I'll be getting the same letter soon. M&S may well be allowed to send the info on to a third party but shouldn't there be a notice of assignment. How do any of us know that Collect Direct have not illegally obtained our details and it is a [problem]? I have written back to them telling them I don't pay money to companies I have no contract with.

Also, I am not in the UK, yet they send everything to me by UK second class, idiots!

[Elgrand]

Thank you all for the recent posts.

 

Exchange, I will interested to know if you receive the same letter, especially the erroneous protracted bit.

 

 

Elg.

[exchange]

I notice that your letter is dated 22/10/2009 and you are expected to respond within 5 days of that date! Having received it on the 28th, not helped by the postal situation I suppose, they are asking for a miracle. Has anyone told them there are postal problems?

[Elgrand]

Hi Exchange,

 

Yes i did notice that and the envelope has a postal stamp for the 26th, second class.

 

How long does it take their letters to arrive to you, second class and abroad?

[exchange]

The last one only took 4 days! Don't tell them that though;).

[Elgrand]

Just got another letter today from Collect...

 

[angel_1]

hiya Elgrand

 

long time i hope you are okay,,

 

well that last letter makes me laugh, they are going to put a charging order,,,,,

im guessing you really aint that worried are you,,,,

 

keep positive laters angel x

[WelshMam2009]

Just got another letter today from Collect...

 

 

Elg...just write back and say...

 

Before you are able to obtain a Charging Order you will need to successfully obtain a COUNTY COURT JUDGEMENT which means you will be orally examined under oath.

 

In order to get a COUNTY COURT JUDGEMENT you will need to produce an ENFORCEABLE CREDIT CARD AGREEMENT which, thus far you have failed to produce.

 

[Elgrand]

Hiya Angel,

 

Yes it's been a long time and i'm fine thank you, hope all is well for you too.

 

You are right, i'm really not that worried about their threats but they do sound like a bunch of bullies though.

 

Keeping positive Elg x.

[Elgrand]

Hiya WelshMam,

 

Great snippet of advice, short and to the point.

Not sure if i'm just going to ignore Collect now, it seems to be a waste of time writing to them. I will just wait and see how far they go with this and if it goes down the road to the courts then so be it.

 

Elg.

[WelshMam2009]

Hiya WelshMam,

 

Great snippet of advice, short and to the point.

Not sure if i'm just going to ignore Collect now, it seems to be a waste of time writing to them. I will just wait and see how far they go with this and if it goes down the road to the courts then so be it.

 

Elg.

 

To be honest Elg, I wrote to Collect a while back and told them to bog off and haven't heard from them since.

 

I think ignoring them for now is not such a bad idea. I was just making the point that, if and when you do write to them, then perhaps you should emphasise a few words of your own choosing also!!

[EOS-5D]

Ive followed this thread for a while and just starting my journey with the CCA on M&S.

 

Do you have any updates for us?

 

 

Cheers

 

EOS5D

[Elgrand]

Hi, EOS-5D

 

Last letter from Collect Direct was on the 21st Dec 2009, headed

Notice Of Legal Proceedings

That's five letters from them in total and I have decided to ignore them for now.

 

Elg.

[Elgrand]

Hi,

 

Latest letter received today from HL Legal.

 

[socleirigh]

Hi,

 

Subbing with interest as I have just recently received a letter requesting signature for CCA request to M&S

[EOS-5D]

Ive had my 3rd letter from M&S stating that they need a signature from before they furnish me with my agreement.

Ive pointed out that nowhere in the CCA does it say that they have to have a signature beforehand, so therefore as they are over their alotted timescale, the account is in dispute.

 

HappyDays

 

EOS-5D

[socleirigh]

Hi

 

I have sent the letter quoted in post 6. Will be interesting to see if I get the exact same response to it.

[angel_1]

hiya elgrand

 

just popped to have a look at your update well it seems you are doing fine

 

will be updating my hsbc ms thread once i get through to the court tried a few times and constantly engaged

 

anyway keep positive have a fun day angel x

[Elgrand]

Hi

 

I have sent the letter quoted in post 6. Will be interesting to see if I get the exact same response to it.

Good luck with that socleirigh.

 

Ive had my 3rd letter from M&S stating that they need a signature from before they furnish me with my agreement.

Ive pointed out that nowhere in the CCA does it say that they have to have a signature beforehand, so therefore as they are over their alotted timescale, the account is in dispute.

Hi EOS-5D. Then all of a sudden they find it and they send it without needing a signature after all!

 

Hi Angel,

 

Good to hear from you and sounds like you are keeping positive. I will have a look at your thread and see how it's going.

 

Elg.

[nohappybunny]

hi Elgrand...

 

How did you go with your case? I am in a similar postal ping pong with a creditor at the moment..... and curious to know how you got on....