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Threatening letters

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  • Threatening letters

    Hi all,
    Not been on here for a while but have a query as follows:

    I've previously posted on here re my debts, which total around £45k. Since then all of my creditors have frozen interest and have been accepting nominal payments of between £5 and £15 monthly depending on the amount owed. As an aside a couple of recently have sent me reduced settlements offers of 66% and 50% - anyone know why they'd do so - not that I can meet the offers.
    However, my query is this: Regal Credit on behalf of RBS/NatWest recently wrote to me saying I'd missed a payment to them and therefore demanding payment in full of almost 10k. They're well aware I can't do that from my previous correspondence with them and their agreement to accept nominal payments. I wrote back saying there was no missed payment - there wasn't according to my bank - and asking them to confirm whether they agreed that bank holiday weekend may have caused a payment delay. Instead they have replied saying I must pay in full as I have made no attempt to contact them - obviously untrue - and that they are sending an agent round to discuss it. Meanwhile their own second letter confirms payment was received by them as the debt figure from their initial letter is reduced in the second letter by the monthly amount I pay them. Any advice - is this a load of hot air? Thanks.
    Tags: None

  • #2
    Re: Threatening letters

    :bump2:

    Comment


    • #3
      Re: Threatening letters

      Make a formal complaint that you have kept to the agreed payments and have communicated with them promptly, and can prove that. That their claims and letters saying otherwise are inaccurate and distressing, and their threat of a home visit is unwarranted and represents undue pressure.

      State that if they do not respond to your complaint and put things right then you will be taking the matter to the FOS.

      Comment


      • #4
        Re: Threatening letters

        This is an old ploy that some creditors use.
        The home visit thing is a load of crap.
        But if you are worried about it, just send them a letter telling them that you will only deal with the debt by way of letter.
        I have drafted one for you to copy...

        Dear Sir,
        Please Note:
        I wish to deal with this matter in writing and I do not give your organization permission to contact me by any other means. Should you do so, I must warn you that this could constitute ‘harassment' and I may take action under Section 1 of the Protection from Harassment Act 1997 and the Administration of Justice Act 1970 S.40, which makes it a Criminal Offence for a creditor or a creditor's agent to make demands (for money), which are aimed at causing 'alarm, distress or humiliation', because of their frequency or manner..

        I have sent this to creditors in the past, and have not had any problems.
        Good luck mate
        “The only man who sticks closer to you in adversity more than a friend, is a creditor.”

        Comment


        • #5
          Re: Threatening letters

          If they turn up a you do answer the door tell them you are not the person they are looking for nothing they can do except leave after wasting their time I always do.

          Comment


          • #6
            Re: Threatening letters

            Originally posted by SteveEX9 View Post
            I've previously posted on here re my debts, which total around £45k. Since then all of my creditors have frozen interest and have been accepting nominal payments of between £5 and £15 monthly depending on the amount owed. As an aside a couple of recently have sent me reduced settlements offers of 66% and 50% - anyone know why they'd do so - not that I can meet the offers.
            However, my query is this: Regal Credit on behalf of RBS/NatWest recently wrote to me saying I'd missed a payment to them and therefore demanding payment in full of almost 10k. They're well aware I can't do that from my previous correspondence with them and their agreement to accept nominal payments. I wrote back saying there was no missed payment - there wasn't according to my bank - and asking them to confirm whether they agreed that bank holiday weekend may have caused a payment delay. Instead they have replied saying I must pay in full as I have made no attempt to contact them - obviously untrue - and that they are sending an agent round to discuss it. Meanwhile their own second letter confirms payment was received by them as the debt figure from their initial letter is reduced in the second letter by the monthly amount I pay them. Any advice - is this a load of hot air? Thanks.
            I wouldn't worry about 'Regal', their communications are a load of something nastier than hot air!

            I received a number of letters from those clowns a few years ago, threatening all sorts of things including a doorstep collector, over an old RBS card. I replied only once telling them to go away as I'd been disputing the CCA with RBS for a couple of years, they replied back a couple of days later enclosing a copy of my letter saying they were no longer dealing with the account. I'm not making any payments and that was the last I ever heard both from the Regal collectors :drama: and that account, back in Jan 2012! :grin: :grin: :grin:

            Comment


            • #7
              Re: Threatening letters

              Thanks everyone for your info - very much appreciated.

              Comment

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