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After a quiet few months I received the following letter from Rockwell re alleged M&S mastercard debt:
"Dear Sir,
We write in relation to the above account.
We are aware you are disputing the Credit Agreement on this account and therefore, referred the matter to our client for further investigation, We have been informed that you were sent a final response on the matter dated 23 November 2012 and therefore, you were afforded the opportunity to refer the matter to the Financial Ombudsman Service (FOS) if you remained unhappy.
A further letter was sent to you dated 13 August to confirm that your points had been previously addressed and normal collections activity would continue on the account. Please find enclosed copies of these letter together with a copy of the credit agreement [once again this is an application form for their storecard].
To date, we have not received any communication from the FOS. Therefore, as your dispute has been fully addressed, we can confirm that we will not be entering into any further correspondence with you on the matter. We must advice that the balance is correct and remains outstanding.
We shall be grateful, therefore, if you will provide us with repayment of the outstanding sum within the next 30 days. If you are unable to afford full repayment at this time please complete and return the enclosed financial statement within the above mentioned 30-day-period."
They really are muppets. Do they really think that I would suddenly pay up, especially now that M&S has confirmed in writing that no consumer credit agreement exists for the mastercard? They, of course, claim that the application form they have provided me with makes the alleged debt enforceable. If they are so sure, why the heck haven't they sent the court papers?
I sent Rockwell a letter, referring to my previous correspondence, along with the Santander vs. Mayhew judgement, with the relevant bits highlighted. I also returned their income and expenditure form crossed out, making it obvious that I would not be completing it. I also made it clear that unless otherwise decided by the court, I would treat the alleged debt as unenforceable as the application for had been examined by a leading consumer rights lawyer (PT in this case).
Any further advice?
I can't wait to see what the muppets send next!
"Dear Sir,
We write in relation to the above account.
We are aware you are disputing the Credit Agreement on this account and therefore, referred the matter to our client for further investigation, We have been informed that you were sent a final response on the matter dated 23 November 2012 and therefore, you were afforded the opportunity to refer the matter to the Financial Ombudsman Service (FOS) if you remained unhappy.
A further letter was sent to you dated 13 August to confirm that your points had been previously addressed and normal collections activity would continue on the account. Please find enclosed copies of these letter together with a copy of the credit agreement [once again this is an application form for their storecard].
To date, we have not received any communication from the FOS. Therefore, as your dispute has been fully addressed, we can confirm that we will not be entering into any further correspondence with you on the matter. We must advice that the balance is correct and remains outstanding.
We shall be grateful, therefore, if you will provide us with repayment of the outstanding sum within the next 30 days. If you are unable to afford full repayment at this time please complete and return the enclosed financial statement within the above mentioned 30-day-period."
They really are muppets. Do they really think that I would suddenly pay up, especially now that M&S has confirmed in writing that no consumer credit agreement exists for the mastercard? They, of course, claim that the application form they have provided me with makes the alleged debt enforceable. If they are so sure, why the heck haven't they sent the court papers?
I sent Rockwell a letter, referring to my previous correspondence, along with the Santander vs. Mayhew judgement, with the relevant bits highlighted. I also returned their income and expenditure form crossed out, making it obvious that I would not be completing it. I also made it clear that unless otherwise decided by the court, I would treat the alleged debt as unenforceable as the application for had been examined by a leading consumer rights lawyer (PT in this case).
Any further advice?
I can't wait to see what the muppets send next!
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