I need some help with reliable collections on simplyBe Account please

[chopkins]

This is part of their letter that im most intrigued by.

 

'when responding to a section 78 request, a lender does not have to provide a photocopy or other literal copy of the executed agreement nor provide a copy bearing or some other proof of the customers actual signature'

 

Is this true?

[chopkins]

I have recived a letter from Reliable stating ' we have made an appointment to contact you at your home on Wednesday between 7pm and 9pm.'

 

What the likelyhood they'll turn up? there's no specified date on the letter, and was dated 29th June so one Wednesday has already passed.

 

Many Thanks.

[chopkins]

Hi, sorry to but in, but im having similar problems with Simply Be/Reliable collections. 12 months ago i requested my CCA, to which they returned an unsigned credit agreement stating in a seperate letter that even though my agreement is unsigned by myself its still valid.

Then no further contact from them for 12 months, i sent a further CCA request to start the process off again and have just recieved a letter that basically says they wont provide a further copy because theyve already sent one.

 

I dont know what to do next with this, any help would be much appreciated.

[dx100uk]

you keep pulling their string

they'll keep writing to you

 

tell us the history please

 

dx

[chopkins]

Ok, to cut a very long story short and ignoring my 2 earlier posts. The story is as above, over 12 months ago id requested a copy of my credit agreement which they supplied but it isnt signed by me, had a letter of them stating that even though there is no signature its still enforcable. this was July 2010 and then I heard nothing until july this year when they started chasing the debt, so i sent another CCA request to start the ball rolling again. I recieved a letter yesterday stating that they wouldnt provide another copy of my credit agreement.

Im stuck as to what to do next with them.

 

Mnay thanks

[dx100uk]

time to get reclaiming chrges and PPI?

 

what does your cra file say about this debt?

 

dx

[chopkins]

Never looked into Cra file, should I?

Where do I start with ppi and charges?

 

Thanks

[dx100uk]

yes check you cra file ...creditexpert site

 

as for ppi/charges

 

see my sig

 

dx

 

Want Debt Advice - read the excellent blogs by sequenci here:

http://www.consumeractiongroup.co.uk...ries-Blog-Home

1. Single Premium PPI Q&A

Read Here

 

 

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

 

 

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors? Read Here

6. Staying Calm About Debt Read Here

7. Thinking of a Full & Final Settlement? Read Here

my views are my own...seek legal advice if ness

NEVER EVER - act on a PM to make contact 'off list' or by telephone - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.

DX

Siteteam

[chopkins]

Hi, this debt has now been passed to a debt collection agency called Frederickson Internation, amd ive received a 'letter before action'. What do i do now? Ive read on a similar post about claiming charges back of them, is there a template letter for this?

 

Ive stupid been ignoring this hoping it would go away, so any help would be grately appreciated, im in a bit of a panic now and dont know what to do next.

 

Many thanks.

K

[dx100uk]

dont worry about freds nor unreliable colections or ndr

they are all the same - no teeth.

 

if you've not got all the statements you need to SAR the cat co.

 

see the library top left green tab

 

dx

[chopkins]

Very late reply, will dig out statements.

Thanks