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Re: debt agencies collectors
still waiting on vanquis to answer my letter
heres the upday on jd williams here is there letter they have had the same as vanquis hardship letters, expenditure n incomes, many times as well as write off the debt n 2nd letter to re think
Morning all
Well heres the replies I have got from JD Williams
Dear xxxxxxxxxxxxxxxxx
Thankyou for your letter we recived on the 25th July 2008 the contents of which we note.
In relation to your request for a copy of the excuted agreement under section 78 of the CCA 1974 under regulation 3 (2)(b) of the CA (Cancelation Notices and Copies of Documents) Reg 1983 there is no requirement to provide a photo copy of the agreement bearing your signature it is sufficent that we supply you with a “true copy” need not bear the debtor’s signature or, in our case the date of the agreement. We are there enclosing a ‘true copy’ of the credit agreement when you opened the account in feb 2006.
The currant balance on your Account 381.61 with arears of £24.00. In jamiary 2008, as a result of financial difficulties your payment rate was reduced to £4 each month with all credit charges suspended.
13 payments have been made made to the account to date are £234.44.
Based on the balance and repayment rate and if no futher transactions take place againt the account a total of 90 instalments are expected to pay, the balance in full consisting of 1 payment of £28 pounds then 88 payments each month thereafter 0f £4 and 1 final payment of £1.61.
Please ffind a enclosed detail of the breakdown of the account dating back to feb 2006, which includes all transactions against the account for your information.
The absence of an excuted agreement will affect our ability to pursue this matter through the courts but not in our right to seek payment through our normal collections methods short of court proceedings.
If however it is your decision not to make any futher payments to the account on the basis that the signed credit agreement has not been provided collections activity will cease though we would like to make it absolutely clear to you that should you take the decision not to make any futher payments to the account you no-payment will be reported to the relevant credit reference agencies which will remain for a period of 6 years.
We await hearing from you
************************* ************************* *****************
MY COMMENTS
The credit agreement they have enclosed is a photo copy but where its asks for customer details they have wrote in blue ink my name and address so therefore it isnt a photo copy as yes the agreement it self is but was blank then they wrote details in blue ink if this was a photo copy then it would have printed it in black using black ink even the colour ink wouldn’t show up like this one.
The above account was opened over the internet under card craft or something like that so I applied online but when I got them I didn’t know untill parcel had arrived that it is the same company this is how I managed to get 2 accounts had I have known I would have taken it so therfore my next letter the blance and dates are different as the one im going to put now is the orginal one I opened………
Same letter as above but different figures and dates
But please bear in mind that most of these are credit charges and admin charges which continued and has gone up up up
When citizens advice beauro took up my case they said they have more money going out than coming in and even they wrote as well as I to write of the debt my then 2nd letter was to re write to them asking again to rigt of this debt but no they insisted me paying jd williams sent a letter to them asking for me to pay £4 a month I said where am I going to get 4 pounds a month from when we havent got it gggggggrrrrr
I said in my letter I would pay them £1 a month but I never got a reply.
So now here are the different amounts etc again most of these are admin charges and credit charges as follows
The current outstanding balance £2207.64 in november2004
65 payments have been made to the account to date totaling £2255.78
the amounts to pay each is the same as above first letter
thankyou for reading and any help on what I do next
yes ive resent a letter from your fourm think it was letter N
asking them to reconder the decision to write of the debt.
Or accept £1 per month guess what yes u guessed
NO REPLY and they have refered me to reliable collections
so here is what i got yesterday (saturday)
------------------------------- merged -------------------------------
still waiting on vanquis to answer my letter
heres the upday on jd williams here is there letter they have had the same as vanquis hardship letters, expenditure n incomes, many times as well as write off the debt n 2nd letter to re thMorning all
Well heres the replies I have got from JD Williams
Dear xxxxxxxxxxxxxxxxx
Thankyou for your letter we recived on the 25th July 2008 the contents of which we note.
In relation to your request for a copy of the excuted agreement under section 78 of the CCA 1974 under regulation 3 (2)(b) of the CA (Cancelation Notices and Copies of Documents) Reg 1983 there is no requirement to provide a photo copy of the agreement bearing your signature it is sufficent that we supply you with a “true copy” need not bear the debtor’s signature or, in our case the date of the agreement. We are there enclosing a ‘true copy’ of the credit agreement when you opened the account in feb 2006.
The currant balance on your Account 381.61 with arears of £24.00. In jamiary 2008, as a result of financial difficulties your payment rate was reduced to £4 each month with all credit charges suspended.
13 payments have been made made to the account to date are £234.44.
Based on the balance and repayment rate and if no futher transactions take place againt the account a total of 90 instalments are expected to pay, the balance in full consisting of 1 payment of £28 pounds then 88 payments each month thereafter 0f £4 and 1 final payment of £1.61.
Please ffind a enclosed detail of the breakdown of the account dating back to feb 2006, which includes all transactions against the account for your information.
The absence of an excuted agreement will affect our ability to pursue this matter through the courts but not in our right to seek payment through our normal collections methods short of court proceedings.
If however it is your decision not to make any futher payments to the account on the basis that the signed credit agreement has not been provided collections activity will cease though we would like to make it absolutely clear to you that should you take the decision not to make any futher payments to the account you no-payment will be reported to the relevant credit reference agencies which will remain for a period of 6 years.
We await hearing from you
************************* ************************* *****************
MY COMMENTS
The credit agreement they have enclosed is a photo copy but where its asks for customer details they have wrote in blue ink my name and address so therefore it isnt a photo copy as yes the agreement it self is but was blank then they wrote details in blue ink if this was a photo copy then it would have printed it in black using black ink even the colour ink wouldn’t show up like this one.
The above account was opened over the internet under card craft or something like that so I applied online but when I got them I didn’t know untill parcel had arrived that it is the same company this is how I managed to get 2 accounts had I have known I would have taken it so therfore my next letter the blance and dates are different as the one im going to put now is the orginal one I opened………
Same letter as above but different figures and dates
But please bear in mind that most of these are credit charges and admin charges which continued and has gone up up up
When citizens advice beauro took up my case they said they have more money going out than coming in and even they wrote as well as I to write of the debt my then 2nd letter was to re write to them asking again to rigt of this debt but no they insisted me paying jd williams sent a letter to them asking for me to pay £4 a month I said where am I going to get 4 pounds a month from when we havent got it gggggggrrrrr
I said in my letter I would pay them £1 a month but I never got a reply.
So now here are the different amounts etc again most of these are admin charges and credit charges as follows
The current outstanding balance £2207.64 in november2004
65 payments have been made to the account to date totaling £2255.78
the amounts to pay each is the samr as above first letter
thankyou for reading and any help on what I do next
yes ive resent a letter from your fourm think it was letter N
asking them to reconder the decision to write of the debt.
Or accept £1 per month guess what yes u guessed
NO REPLY and they have refered me to reliable collections
any offer of what i should do next please tyvvvvvm
they know i cannot afford this that is why i offered £1 a month
they never reply to this
take care
travel girl.
still waiting on vanquis to answer my letter
heres the upday on jd williams here is there letter they have had the same as vanquis hardship letters, expenditure n incomes, many times as well as write off the debt n 2nd letter to re think
Morning all
Well heres the replies I have got from JD Williams
Dear xxxxxxxxxxxxxxxxx
Thankyou for your letter we recived on the 25th July 2008 the contents of which we note.
In relation to your request for a copy of the excuted agreement under section 78 of the CCA 1974 under regulation 3 (2)(b) of the CA (Cancelation Notices and Copies of Documents) Reg 1983 there is no requirement to provide a photo copy of the agreement bearing your signature it is sufficent that we supply you with a “true copy” need not bear the debtor’s signature or, in our case the date of the agreement. We are there enclosing a ‘true copy’ of the credit agreement when you opened the account in feb 2006.
The currant balance on your Account 381.61 with arears of £24.00. In jamiary 2008, as a result of financial difficulties your payment rate was reduced to £4 each month with all credit charges suspended.
13 payments have been made made to the account to date are £234.44.
Based on the balance and repayment rate and if no futher transactions take place againt the account a total of 90 instalments are expected to pay, the balance in full consisting of 1 payment of £28 pounds then 88 payments each month thereafter 0f £4 and 1 final payment of £1.61.
Please ffind a enclosed detail of the breakdown of the account dating back to feb 2006, which includes all transactions against the account for your information.
The absence of an excuted agreement will affect our ability to pursue this matter through the courts but not in our right to seek payment through our normal collections methods short of court proceedings.
If however it is your decision not to make any futher payments to the account on the basis that the signed credit agreement has not been provided collections activity will cease though we would like to make it absolutely clear to you that should you take the decision not to make any futher payments to the account you no-payment will be reported to the relevant credit reference agencies which will remain for a period of 6 years.
We await hearing from you
************************* ************************* *****************
MY COMMENTS
The credit agreement they have enclosed is a photo copy but where its asks for customer details they have wrote in blue ink my name and address so therefore it isnt a photo copy as yes the agreement it self is but was blank then they wrote details in blue ink if this was a photo copy then it would have printed it in black using black ink even the colour ink wouldn’t show up like this one.
The above account was opened over the internet under card craft or something like that so I applied online but when I got them I didn’t know untill parcel had arrived that it is the same company this is how I managed to get 2 accounts had I have known I would have taken it so therfore my next letter the blance and dates are different as the one im going to put now is the orginal one I opened………
Same letter as above but different figures and dates
But please bear in mind that most of these are credit charges and admin charges which continued and has gone up up up
When citizens advice beauro took up my case they said they have more money going out than coming in and even they wrote as well as I to write of the debt my then 2nd letter was to re write to them asking again to rigt of this debt but no they insisted me paying jd williams sent a letter to them asking for me to pay £4 a month I said where am I going to get 4 pounds a month from when we havent got it gggggggrrrrr
I said in my letter I would pay them £1 a month but I never got a reply.
So now here are the different amounts etc again most of these are admin charges and credit charges as follows
The current outstanding balance £2207.64 in november2004
65 payments have been made to the account to date totaling £2255.78
the amounts to pay each is the same as above first letter
thankyou for reading and any help on what I do next
yes ive resent a letter from your fourm think it was letter N
asking them to reconder the decision to write of the debt.
Or accept £1 per month guess what yes u guessed
NO REPLY and they have refered me to reliable collections
so here is what i got yesterday (saturday)
------------------------------- merged -------------------------------
still waiting on vanquis to answer my letter
heres the upday on jd williams here is there letter they have had the same as vanquis hardship letters, expenditure n incomes, many times as well as write off the debt n 2nd letter to re thMorning all
Well heres the replies I have got from JD Williams
Dear xxxxxxxxxxxxxxxxx
Thankyou for your letter we recived on the 25th July 2008 the contents of which we note.
In relation to your request for a copy of the excuted agreement under section 78 of the CCA 1974 under regulation 3 (2)(b) of the CA (Cancelation Notices and Copies of Documents) Reg 1983 there is no requirement to provide a photo copy of the agreement bearing your signature it is sufficent that we supply you with a “true copy” need not bear the debtor’s signature or, in our case the date of the agreement. We are there enclosing a ‘true copy’ of the credit agreement when you opened the account in feb 2006.
The currant balance on your Account 381.61 with arears of £24.00. In jamiary 2008, as a result of financial difficulties your payment rate was reduced to £4 each month with all credit charges suspended.
13 payments have been made made to the account to date are £234.44.
Based on the balance and repayment rate and if no futher transactions take place againt the account a total of 90 instalments are expected to pay, the balance in full consisting of 1 payment of £28 pounds then 88 payments each month thereafter 0f £4 and 1 final payment of £1.61.
Please ffind a enclosed detail of the breakdown of the account dating back to feb 2006, which includes all transactions against the account for your information.
The absence of an excuted agreement will affect our ability to pursue this matter through the courts but not in our right to seek payment through our normal collections methods short of court proceedings.
If however it is your decision not to make any futher payments to the account on the basis that the signed credit agreement has not been provided collections activity will cease though we would like to make it absolutely clear to you that should you take the decision not to make any futher payments to the account you no-payment will be reported to the relevant credit reference agencies which will remain for a period of 6 years.
We await hearing from you
************************* ************************* *****************
MY COMMENTS
The credit agreement they have enclosed is a photo copy but where its asks for customer details they have wrote in blue ink my name and address so therefore it isnt a photo copy as yes the agreement it self is but was blank then they wrote details in blue ink if this was a photo copy then it would have printed it in black using black ink even the colour ink wouldn’t show up like this one.
The above account was opened over the internet under card craft or something like that so I applied online but when I got them I didn’t know untill parcel had arrived that it is the same company this is how I managed to get 2 accounts had I have known I would have taken it so therfore my next letter the blance and dates are different as the one im going to put now is the orginal one I opened………
Same letter as above but different figures and dates
But please bear in mind that most of these are credit charges and admin charges which continued and has gone up up up
When citizens advice beauro took up my case they said they have more money going out than coming in and even they wrote as well as I to write of the debt my then 2nd letter was to re write to them asking again to rigt of this debt but no they insisted me paying jd williams sent a letter to them asking for me to pay £4 a month I said where am I going to get 4 pounds a month from when we havent got it gggggggrrrrr
I said in my letter I would pay them £1 a month but I never got a reply.
So now here are the different amounts etc again most of these are admin charges and credit charges as follows
The current outstanding balance £2207.64 in november2004
65 payments have been made to the account to date totaling £2255.78
the amounts to pay each is the samr as above first letter
thankyou for reading and any help on what I do next
yes ive resent a letter from your fourm think it was letter N
asking them to reconder the decision to write of the debt.
Or accept £1 per month guess what yes u guessed
NO REPLY and they have refered me to reliable collections
any offer of what i should do next please tyvvvvvm
they know i cannot afford this that is why i offered £1 a month
they never reply to this
take care
travel girl.
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