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Letter received from Credit Security Limited on 21 May 2014:
Re Marks & Spencer Money
Account no: xxxx
Balance: Ł10k+
Dear Mr $quandaŁot
We write further to your recent communication with this office.
You will be fully aware from our client's letter dated 12th July 2013 that the agreement provided is fully compliant with the Consumer Credit Act and we therefore confirm the above balance remains outstanding.
We will be pleased to agree an affordable repayment plan if you will kindly complete the enclosed Current Information Form and return to this office. Alternatively, please telephone one of our trained advisors on 0844 2439931 who will be pleased to assist you in resolving this matter.
Yours sincerely
A. Weber
Credit Security LTD.
Enc.
Now my reply dated 7 June 2014:
"Dear Sir / Madam
Your reference: xxxx
My reference: Mayhew 3
Thank you for your letter dated 21 May 2014.
I refer you to my previous letter dated 29 March 2014 which clearly states my position. Your client has been notified that – short of a court claim – I now consider this matter closed.
Furthermore, your client has confirmed in writing that no consumer credit agreement exists for the alleged mastercard account. This correspondence will be shown to the judge in case of a court claim.
As the alleged agreement has been fully examined by a leading consumer rights solicitor and deemed unenforceable, I will treat it as such unless otherwise decided by the court.
Any court claim by you, your client or a third party will be vigorously defended.
This is my final response and I can confirm that I will not be entering into further correspondence with you.
Yours faithfully
Mr $quandaŁot"
Big bold red font was necessary at times as DCAs often have difficulty reading English!
Re Marks & Spencer Money
Account no: xxxx
Balance: Ł10k+
Dear Mr $quandaŁot
We write further to your recent communication with this office.
You will be fully aware from our client's letter dated 12th July 2013 that the agreement provided is fully compliant with the Consumer Credit Act and we therefore confirm the above balance remains outstanding.
We will be pleased to agree an affordable repayment plan if you will kindly complete the enclosed Current Information Form and return to this office. Alternatively, please telephone one of our trained advisors on 0844 2439931 who will be pleased to assist you in resolving this matter.
Yours sincerely
A. Weber
Credit Security LTD.
Enc.
Now my reply dated 7 June 2014:
"Dear Sir / Madam
Your reference: xxxx
My reference: Mayhew 3
Thank you for your letter dated 21 May 2014.
I refer you to my previous letter dated 29 March 2014 which clearly states my position. Your client has been notified that – short of a court claim – I now consider this matter closed.
Furthermore, your client has confirmed in writing that no consumer credit agreement exists for the alleged mastercard account. This correspondence will be shown to the judge in case of a court claim.
As the alleged agreement has been fully examined by a leading consumer rights solicitor and deemed unenforceable, I will treat it as such unless otherwise decided by the court.
Any court claim by you, your client or a third party will be vigorously defended.
This is my final response and I can confirm that I will not be entering into further correspondence with you.
Yours faithfully
Mr $quandaŁot"
Big bold red font was necessary at times as DCAs often have difficulty reading English!
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