Letter From iquor's Solicitors

[middenmess]

Briefly...

In dispute with Halifax.
Letter copied below rec'd Sept.09
Account terminated by letter half way through 14 day period to rectify breach.
Accepted repudiation by letter.
Several phone calls & letters but Halifax deny doing anything wrong
A small amount of 'creative' accounting added to the o/s balance.
Defaulted Feb.10
No interest added since Feb.
Chased by various DCA's last one is iqor who got solicitor to write this 'it is likely' letter copied below.

My question is should I ignore or

1]--write to iqor telling them that Halifax have yet to find agreement and cannot enforce
or
2]--write to Halifax and get them to tell iQor?

[Curlyben]

Re: Letter From iquor's Solicitors

Or 3] file under I

[middenmess]

Re: Letter From iquor's Solicitors

Ho Hum

Just answered my own question I think!

Letter from solicitor is not good quality and has no date.
Sols address is Stratford-Upon Avon.
Envelope has return address of Mackenzie Hall's PO Box in Bellshill,Lanarkshire!

I love being treated as an idiot!

[Curlyben]

Re: Letter From iquor's Solicitors

The best bit is

While we try to locate the full original agreement we will NOT be seeking to enforce the agreement

Then whittering on confusing CCA with contract law, oh deary me.
Seems someone else has been reading the Penguin Book of law

[righty]

Re: Letter From iquor's Solicitors

send them a copy of the solicitors letter with the sentence which mentions 'unenforceable' highlighted

[middenmess]

Re: Letter From iquor's Solicitors

Just re-read my opening post and only Halifax's letter is showing!!--the solicitor's letter seems to have gone absent without leave so I'll post it here..

Just rechecked again after posting this and the sols letter is now showing in the first post--gremlins on the internet!!

[Caspar]

Re: Letter From iquor's Solicitors

send them a copy of the solicitors letter with the sentence which mentions 'unenforceable' highlighted

Why waste the money on a stamp when it cold be in your pocket?

[righty]

Re: Letter From iquor's Solicitors

Why waste the money on a stamp when it cold be in your pocket?

Cos if they do issue proceeding the Judge is going to ask why didn't you tell them at the start and whilst he may not enforce the agreement the Judge will almost certainly award them costs to punish you for your bloody mindless AND as the Judge will see wasting the courts time

[middenmess]

Re: Letter From iquor's Solicitors

Cos if they do issue proceeding the Judge is going to ask why didn't you tell them at the start and whilst he may not enforce the agreement the Judge will almost certainly award them costs to punish you for your bloody mindless AND as the Judge will see wasting the courts time

I will write to iQor because the pseudo solicitors letter explicitly tells me that

''we are instructed NOT to enter into correspondence with you'

and as I put in a previous post, the firm of sols are in Stratford and the letter comes from the post office box in Scotland of Mackenzie Hall ''the most successful Debt Recovery Agency in the UK'' probably under a flag of convenience.

This means technically that both iQor and,by despatching the ''solicitors' letter,Mackenzie Hall are both pursuing this debt!

If only all of these most reputable of firms would get the paperwork checked and in order before harassing people --all of these matters would then be so much easier to deal with.

I'd bet a pound to a penny that 'Geoffrey Parker Bourne Ltd' would have no copy of this letter in their filing system unless things moved on somewhat and a 'copy' would be then appear by magic all shipshape and proper-and would even have a date on it which mine has not!

[Angry Cat]

Re: Letter From iquor's Solicitors

You may wish to add the following to your letter:

I am not prepared to enter into any further correspondence with you.
Any further letters will be filed but not responded to.

[Caspar]

Re: Letter From iquor's Solicitors

You may wish to add the following to your letter:

I am not prepared to enter into any further correspondence with you.
Any further letters will be filed but not responded to.

That was my feeling, but see what Righty had to say about it. Would this not still be the case? I'm happy to bow to his better knowledge of these things. Whether or not you write that, will they take any notice? No!

[Angry Cat]

Re: Letter From iquor's Solicitors

I was not suggesting that middenmess should not reply.

In fact, I believe that he/she should respond. Especially, for the sake of any future judge, who will want to see that one had done everything that one could; acted reasonably:
The Courts overriding objective.

However, there does come a point in time when ping-pong letters cease to be of benefit!

[Caspar]

Re: Letter From iquor's Solicitors

I was not suggesting that middenmess should not reply.

In fact, I believe that he/she should respond. Especially, for the sake of any future judge, who will want to see that one had done everything that one could; acted reasonably:
The Courts overriding objective.

However, there does come a point in time when ping-pong letters cease to be of benefit!

Couldn't agree more, but still don't think it would stop the paper flowing from the other side. Guess the question is at what stage can you start ignoring letters and be acting reasonably? Or at what stage can you inform them you're not going to respond anymore and be acting reasonably?:beagle:

[middenmess]

Re: Letter From iquor's Solicitors

Guess the question is at what stage can you start ignoring letters and be acting reasonably? Or at what stage can you inform them you're not going to respond anymore and be acting reasonably?

Read more at: Letter From iquor's Solicitors - Legal Beagles Consumer Forum

The only reason that I have received this letter is because I will not converse with iQor over the phone.

iQor by getting a different firm of DCA's, Mackenzie Hall, to send a photocopied template of a letterhead --with the permission/connivance of the solicitors I assume at a few pence per letterhead,are forcing me to contact them albeit by letter by getting my attention by sending said 'solicitor's letter'

There is no law that says I have to communicate with iQor at all-WTF are they anyway? Halifax have never informed me that they are this quarters choice of DCA and information about my situation with Halifax wouldn't be that hard to
find out--a quick rake through my dustbin etc would give away I expect more than enough info about me apart from possibly obtaining my details from the internet [a la CAG?]

No,mind made up, cluck iQor,I'll write another of my missives off to Halifax as its been a while since I received an irrelevant cut and pasted answer to my concerns!

[Angry Cat]

Re: Letter From iquor's Solicitors

The only reason that I have received this letter is because I will not converse with iQor over the phone.

iQor by getting a different firm of DCA's, Mackenzie Hall, to send a photocopied template of a letterhead --with the permission/connivance of the solicitors I assume at a few pence per letterhead,are forcing me to contact them albeit by letter by getting my attention by sending said 'solicitor's letter'

There is no law that says I have to communicate with iQor at all-WTF are they anyway? Halifax have never informed me that they are this quarters choice of DCA and information about my situation with Halifax wouldn't be that hard to
find out--a quick rake through my dustbin etc would give away I expect more than enough info about me apart from possibly obtaining my details from the internet [a la CAG?]

No,mind made up, cluck iQor,I'll write another of my missives off to Halifax as its been a while since I received an irrelevant cut and pasted answer to my concerns!

A short missive, middenmiss and;
end with my suggestion, as per my post #10

p.s. Also copy the letter to the firm of solicitors; their address as show on the law society website and not the in-house seconded DCA PO Box Number address...