CAS/equidebt/Cabot etc - old RBS credit cars almost SB Scotland too

[davehsug]

Not seen any reference to these. Equidebt phishing trip passed to them, I suspect it's the next desk along as it's the same envelope & address.

Anyhoo "ignoring them is not an option" as if:lol:

[Bazooka Boo]

Scan & post it up, we could do with a giggle!

http://cascollect.co.uk/how_to_make_a_payment.htm

[ScarletPimpernel]

Credit Ancillary Services, aka ECI, is indeed Equidebt.

[davehsug]

Hi. I am receiving a daily message from Equidebt. There is debt they claim I owe & I maintain I do not. I have had several discussions in the past, although I have always refused to answer their security questions. In the end every time I got a call, I just said everything in writing & put the phone down. Of course nothing ever comes.

For the past 3 weeks I have been receiving the same recorded message daily. It's not particularly upsetting, but is becoming very very annoying.

Do I have grounds for a complaint to the OFT on the grounds of harrassment?

[cerberusalert]

Send them this

 

Dear Sir or Madam

 

Harassment by telephone

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only. [if you Want Them to]

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

 

Yours faithfully, **Print name do not sign**

[Bazooka Boo]

And complain to the OFT&TS via http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

 

And make a formal complaint to your local Police station about the criminal offence of harassment.

 

Ofcom also. http://www.ofcom.org.uk/contact-us/

[davehsug]

Thanks for the replies, I'll get on to it.

[davehsug]

Hi all. Equidebt have been sending letters & making calls off & on for a debt.

 

Originally it wasn't that specific, so I ignored & answered all calls with "in writing only".

 

They now claim they have made a financial link & have passed it to Weightmans to further harrass me.

 

Weightmans have now sent the letter threatening court action or bankruptcy, along with a financial declaration form (as if! lol),

as I have ignored them, so I suppose it's time to take action.

 

It's a bit of a pain as if it's the debt I'm thinking of, it becomes SB in March next year anyway

- I actually thought for a while that it already was.

 

I've prepared a CCA request & made sure that I have added the "I acknowledge no debt to you..etc" prominently.

 

Are they likely to be able to provide this as it was an RBS credit card originally issud in the late 90s?

 

Anyway does this seem the right thing to do?

 

Any help appreciated.

[dx100uk]

does this show on your cra file?

 

dx

[davehsug]

Dunno dx. TBH I don't trust them & would be wary of any info I might have to give. As I now know it's not SB i would suspect it is. The last payment was made under a CCCA debt management plan in 2006 & Equidebt have been sniffing for about a year.

[dx100uk]

i suggest you check then

 

dx

[davehsug]

Any particular reason dx? My credit rating doesn't bother me, as I have gradually paid most of my debts & have no intention of going down that road again. This seems to be a debt that nobody picked up or chased & I thought those dark days were all behind me. If there's a good reason to sign up, I'll do it.

[dx100uk]

it might well have fallen off?

 

no debt.......

you can use any card and its free if you cancel within 30days.

 

 

dx

[PriorityOne]

Send the CCA request by rec. delivery to Weightmans immediately, incl. the wording you mentioned "I do not acknowledge.... blah, blah. If not, Weightmans will probably issue court papers to secure a CCJ. In theory, they might do this anyway but if you are seen to know your onions (so to speak), they're unlikely to waste their time.

[davehsug]

Thanks for the replies. Would they still be able to go do a CCJ even with a CCA request outstanding?

[PriorityOne]

Thanks for the replies. Would they still be able to go do a CCJ even with a CCA request outstanding?

 

Yes.... but receiving one by rec. delivery will/should halt proceedings because it's a legal request for info. and you will have proof it was sent/received.

 

[davehsug]

Can anyone confirm who I make the postal order payable to? I'm sending the request to Weightmans, but they are collectiong on behalf of Equidebt. Thanks

[PriorityOne]

Can anyone confirm who I make the postal order payable to? I'm sending the request to Weightmans, but they are collectiong on behalf of Equidebt. Thanks

 

I'd be inclined to send it to Weightmans, with a copy of the same request (no payment encl.) to Equidebt..... both by rec. delivery. Just put on the top FAO Equidebt. That way, Weightmans will have received a direct legal request and will be acting in complete defiance if they go ahead and issue court papers in the face of it.

[davehsug]

I'd be inclined to send it to Weightmans, with a copy of the same request (no payment encl.) to Equidebt..... both by rec. delivery. Just put on the top FAO Equidebt. That way, Weightmans will have received a direct legal request and will be acting in complete defiance if they go ahead and issue court papers in the face of it.

Thanks, will do

And just a final one, I will definitely NOT be restarting the clock on this becoming statute barred?

[PriorityOne]

Thanks, will do

And just a final one, I will definitely NOT be restarting the clock on this becoming statute barred?

 

Just make sure you include "I do not acknowledge any debt to your company" on everything sent anywhere in connection with this.

 

[davehsug]

Thanks again for all the help.

[davehsug]

Hi again. Time is nearly up for the CCA request now & no letter, but I had an answerphone message from Weightmans today asking me to call. I'm minded to ignore them as I fire off the dispute letter next week anyway. Sound right?

[dx100uk]

you could

but it still wont stop them taking you to court if minded to do so.

 

did you get the cra done?

 

dx

[davehsug]

Yes DX, confirms SB in March. What could they want though? I sent the CCA request, they haven't replied. They could reply by letter & I'm not getting involved in calls with them.

[dx100uk]

def not

never ever call a dca etc etc

 

great news there then

they'll never get you in court by the sb date.

how are you determining the sb date?

 

 

dx