Gothia/Red Castle/Moorcock & M&S charge card turned into a credit card xmas Turkey

[UnmoderatetheNet]

After 12 months Moorcock final gave up on the M&S Charge card aka as it's known on here the 'charge card converted into Credit Card done without authority of user and accidentally shredded several thousand CCA agreements back in 2003 Card.'

 

Anyway, the old M&S credit card (I've yet to see am enforceable one) as been passed to the champions Gothia riding over the hill with there usual brand of threats and claims.

 

How many DCA do M&S farm these unenforceable turkeys out to?

[retap-falco]

Hmm. My OH has a M&S card of the type you describe, and we are still in the early stages of letters from M&S telling her that it's all above board and she was written to to tell her about the change, with the option to write back and decline the offer of a shiny new card. Not got to DCA stage yet as we nipped the problem in the bud early on with the O/C. I wait for the charge over the hill from the first DCA with baited breath and keyboard fingers poised!

[UnmoderatetheNet]

Can anyone confirm that Collect Direct AKA Improved Financial solutions are under investigation from the OFT for harrassment and for using unfair tactics?

 

What was the outcome is it still ongoing?

[cerberusalert]

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/134414-cduk-who-they.html

[UnmoderatetheNet]

Thanks but there is nothing in the Link thats proves CD losers are under investigation.

 

Interesting note I've seen three letters in the past week all were photocopies, are they cutting back on printing letters.?????

 

Its a bad sign isn't it.

[cashins]

Its a bad sign isn't it.

 

Hopefully, a good sign:grin:

 

David

[lickthewallfatboy]

just got a letter in "demanding payment" for a citi unlawfully rescinded account

 

it's going straight back to them

 

I love this game!!

[UnmoderatetheNet]

Anyone had any experience with Collect direct?

 

Think my sister has just had a letter before action.

 

She's just had a major breakdown and I'm really worried she won't be able cope.

 

She had this a letter not the usual threat monkey talk of 'maybe' or 'might' but the letter states that 'we have been advised to proceed with COURT ACTION'.

 

Thing is collect direct are tinpot DCA's in relation to the biz and she lives in scotland are the really gonna have the stomach for court action in scotland?

 

It's a long walk from LEEDS to SCOTLAND.

 

The debt is less than £1500.

 

Any thoughts?

[debt4get]

what is the debt actually for?? most dca's send these threatograms out..as you said yourself it is a small debt...have you cca'd them?

[cashins]

Anyone had any experience with Collect direct?

 

Think my sister has just had a letter before action.

 

She's just had a major breakdown and I'm really worried she won't be able cope.

 

She had this a letter not the usual threat monkey talk of 'maybe' or 'might' but the letter states that 'we have been advised to proceed with COURT ACTION'.

 

Being advised to proceed doesn't mean the will. In fact, unless they've bought the debt, they can't proceed with anything, it would have to be the original lender.Thing is collect direct are tinpot DCA's in relation to the biz and she lives in scotland are the really gonna have the stomach for court action in scotland?

 

It's a long walk from LEEDS to SCOTLAND.

 

The debt is less than £1500.

 

Any thoughts?

 

Improved Financial Solutions Ltd T/A Collect Direct:

 

IMFS - Passionate about debt recovery...

 

What is the debt?

 

David

[UnmoderatetheNet]

Debt is an Unenforceable CC.

 

If I have it in black and white that they indend to take court action and they are not OC then this is a breach is it not?

 

I think I remember this lot gettting there hands slapped by the OFT once before for intimidation.

[dx100uk]

how old is the debt and what is it?

 

dx

[UnmoderatetheNet]

About 8 years but she only stopped paying after CCA 3 years ago.

 

Its CC and if they cannot take court action because they are not the OC that makes defense quite easy.

[Hardupnotfedup]

Debt is an Unenforceable CC.

 

If I have it in black and white that they indend to take court action and they are not OC then this is a breach is it not?

 

I dont think it is a breach but they would be silly to initiate court action with unenforceable agreement, can you post up the agreement, have you explored all avenues with the debt unfair charges, PPi were the DN's OK.

[UnmoderatetheNet]

Thanks.

 

I don't need to post agreement I know its Unenforceabale, what amazes me is do Collect Direct really litigate in SCOTLAND being ENGLAND/LEEDS based?

 

I would be very surprised, sounds to me like they are using standard scary letter assuming debtor is living in England.

 

Will reply to 'bring it on' and see what happens.

[WelshMam2009]

Ok, tell your sister not to worry, especially if the agreement is unenforceable.

 

Collect Direct have an M&S account of mine and I actually have a letter from M&S stating that my agreement is uneforceable in court. Nonethless, the account was sold to Collect Direct and in June last year I received a letter headed:

 

NOTICE OF LEGAL PROCEEDINGS

 

which I suspect is the same one as your sister has received.

 

I just sent them the standard "account in dispute" letter and told them I considered their letter to breach OFT guidance by falsely implying legal action can or will be taken when legally it cannot.

 

My response crossed in the post with their next letter headed:

 

PERSONAL REPRESENTATIVE

 

advising me that someone was going to call at my home...yeah right!!

 

I heard no more but they have passed the debt onto Philips and I have also told them to bog off.

 

Just remember that these letters are designed to frighten you into paying up.

 

Best of luck with this!!

[dx100uk]

or totally ignore it

phishing trip?

 

dx

[WelshMam2009]

or totally ignore it

phishing trip?

 

dx

 

I tend to ignore DCA's for as long as I possibly can DX. However, I think there reaches a point when you have to respond so that they know any action brought will be robustly defended and will not be ignored. Thus eliminating any notion that they will succeed by default....as I'm sure frequently happens with non-Caggers!!

[UnmoderatetheNet]

Thanks people

 

The first Letter did indeed header

 

NOTICE OF LEGAL PROCEEDINGS

 

I don't think its been sold because they keep refering to client.

 

The next letter she got was heading

 

ATTENTION

 

and the body saying proceed with court action.

 

Does anyone have experience dealing with Collect direct in court I thought they were just threat monkeys and didn't do court????

[cashins]

This is them:

 

IMFS - Passionate about debt recovery...

 

Collections Direct, CDUK etc are trading stles.

 

It says nothing regarding debt purchase.

 

David

[exiled]

I have passed my case to OFT against CD UK, as they have breached Data Protection Act as they were contacting a person who was not authorized to act on my behalf. I have complained to Egg first and they said Collect Direct is independent and they cant help...

 

They called me on one day saying I am 400 behind payments, and asked to talk to my partner, calling him husband, but I am not married:)

I have discovered he agreed with them to pay 435 a month on my behalf when I am on maternity leave having about 700 a month in total.

 

I have outstanding 1400 from 4100 I had in July 2009 and I pay each month. But they are bullying me with calls like "we will make you bankrupt", "we will apply to set a charge on your property", "you did not pay 400 so you have to pay 800 or we will take you to court"!

Edited March 8, 2010 by exiled