Have been refused a cca by the alleged creditor

[Chinadoll]

Hi All can anyone advise please?

On the 1st of august 2010 I requested a copy of a true signed copy etc, etc, however, today, I got a reply, they say that they "are not legally obligated to comply with my request"
nor have they returned the £1 postal order, they have however, added "penalties of nearly £60 to my alleged account,

At the same time, I have recieved a letter from their own debt collectors asking that I place in their hands an agreement that they can "negotiate" with any other creditors that I may have.

I know for a fact that this alleged debt is unenforceable, because, I was not sent a "credit agreement" to sign,
I am however, worried because they are adding fees and fines in a willy nilly fashion and to date, this has doubled what I "allegedly" owe,

Any ideas?
I am not in a position to clear this debt in full (£60) and I am angered that these people continue, despite my protest and request to add to my "alleged" account
It's like £5 a day for being overdue, £6 for each letter sent,
they are now saying, I owe £119.60
Please help, I am lost in a sea of bumpf.

[Amethyst]

Re: Have been refused a cca by the alleged creditor

Hiya xx Who is the creditor and what type of account is this ? Then we should be able to help you out a bit Also not sure i understand what the DCA letter said ?

Ame xx

[Curlyben]

Re: Have been refused a cca by the alleged creditor

I smell a DCA tactic here.
Which one is it and why did you send them a CCA anyway. A simple prove It goes a long way

Ps they cannot simply added charges as they feel like UNLESS there is a clear contractual provission for them to do so, and normally there isn't.

I'm betting on Moorcroft..

[Guest]

Re: Have been refused a cca by the alleged creditor

Hi
Is this by any chance a doorstep lender? was this a small loan under 50 and exempt?

maybee Provident?

[Chinadoll]

Re: Have been refused a cca by the alleged creditor

Hi all, thanks for coming back to me,

It is Marisota mail order, a catalogue, from which I opened an account just last year,
because of their terms, I placed only two orders, but since November last year, I have been charged twice as much and I am never getting out of the bit with them.

They did not send me a credit agreement to sign, therefore, there isn't one.

Their own DCA, is called "Reliance collections" and their sum total is different from Marisota's,

I am also receiving phone calls day and night and threatening letters,

I would like to clear this debt and close the account but the way things are going with all the added charges, I don't believe, I will be able to do this, at least not as fast as I would like.

What should I do, I am determined not to bow to threats, nor pay all the extra charges,

[Guest]

Re: Have been refused a cca by the alleged creditor

HI
Have you tried your local Trading Standards or CAB.

Do they give you a statement of account, itemising your transactions charges etc, if not you need to formally request one in writing stating that the account is in dispute untill you get one.

Do they charge interest on the purchases?

Peter

[Chinadoll]

Re: Have been refused a cca by the alleged creditor

Hi Peter,

Yes they give a statement of account, the extra fees are for those together with administration charges and alledgedly late payments,
Yes they are charging interest on all items,
Haven't yet gone to trading standards, but will consider it, thought I'd get your/ the members general thoughts first.

Cheers!
C.

HI
Have you tried your local Trading Standards or CAB.

Do they give you a statement of account, itemising your transactions charges etc, if not you need to formally request one in writing stating that the account is in dispute untill you get one.

Do they charge interest on the purchases?

Peter

Hi all, thanks for coming back to me,

It is Marisota mail order, a catalogue, from which I opened an account just last year,
because of their terms, I placed only two orders, but since November last year, I have been charged twice as much and I am never getting out of the bit with them.

They did not send me a credit agreement to sign, therefore, there isn't one.

Their own DCA, is called "Reliance collections" and their sum total is different from Marisota's,

I am also receiving phone calls day and night and threatening letters,

I would like to clear this debt and close the account but the way things are going with all the added charges, I don't believe, I will be able to do this, at least not as fast as I would like.

Wha

[Guest]

Re: Have been refused a cca by the alleged creditor

Hi they should not be providong credit unles they have a licence.

Do you have a company addres is it the one in Manchester lever Street.

Petr

[Amethyst]

Re: Have been refused a cca by the alleged creditor

Marisota is a trading style of Candid Collections Limited, a sister company to J D Williams & Company Limited,

Griffin House, 40 Lever Street, Manchester, M60 6ES.

[Guest]

Re: Have been refused a cca by the alleged creditor

HI Ame

Yes thats the one i got cant see reliance collections though

Thinking maybe a catolgue company, exempt of course unless they start charging interest on purchases in which case they should have got an agreement.

Peter
------------------------------- merged -------------------------------
Hi
It would be ideal if we could see the statement they sent . Please remove an y personal details like name addres or just cover them and post them on here.

We really need to see what charges they have added to your account and how they are calculated.

Peter
------------------------------- merged -------------------------------
Hi

See paul is watching

feel free to help paul your the catalogue expert

Peter

[Amethyst]

Re: Have been refused a cca by the alleged creditor

Think it's Reliable, not Reliance

RELIABLE COLLECTIONS LIMITED
36 HOULDSWORTH STREET
MANCHESTER
LANCASHIRE
M1 1AG
Company No. 00707759

RELIABLE COLLECTIONS LTD
53 DALE STREET
MANCHESTER
M99 1DE

JD Williams in house bods

[Amethyst]

Re: Have been refused a cca by the alleged creditor

This thread might be useful to the OP

Tools vs Simply Be / Shoe Tailor / JD Williams / Candid Collections - Legal Beagles Consumer Forum

Copy of a letter from Reliable for Peterb - Legal Beagles Consumer Forum

[BillandBen]

Re: Have been refused a cca by the alleged creditor

Think it's Reliable, not Reliance

Yes it is Reliable and not reliance. Marisotta are part of the JD Williams group as are

Simply Be
Fashion World
Viva La Diva
Premier Man

Amongst Many others........

They make many threats, but never known them to be anything other than threats.

[LuggerBugs]

Re: Have been refused a cca by the alleged creditor

If you're not worried about upsetting your credit record, I'd be tempted to tell them to shove it.

Since you'll have been paying a horrendous amount of interest on already overpriced goods, despite never having agreed to that rate, I'd say that, if you have already paid off the amount the goods originally cost, you don't owe them a penny more. Legally AND morally.

[Guest]

Re: Have been refused a cca by the alleged creditor

Hi thanks Ami excelent thread.

Leters need updating in line with recent events any way.

Chinadoll

You say you have been paying off this account

Forget about charges or interest on your statement how much have you paid and what was the cash value of the goods when you bought them the difference between the two figures is all you owe this shower if you have paid more you require a refund.

Meanwhile i will have a look around for or right a letter to get the debt collecters off your back and make them aware you know that they havent got a hope in hell of getting any more cash of you.

Peter