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Not much to this one really, but thought it would do for amusement, OH had a Natwest credit card, defaulted for about 100 quid a couple of years ago. Was paying 10 quid a month and to be honest I reallt thought it was paid off. Anyway,a couple of months ago RMA pop up and demand 73.13 or else. Sent them the prove it letter and that was the end of them. Next thing I know Regal Credit Services stick their head above the parapet. So I send them the prove it letter. Whih crosses in the post with their next very scary (not) threatogram. Then today we get a letter back from them stating that they have recieved our lettr in which I asked for a copy of my signed CCA (I didn't), and that I must send £1 to blah blah lah to get one. And apparently I also asked for copy statements to prove how the balance had accrued (I didn't) and to get these I need to send £10 to Natwest blah blah blah. Just exactly how stupid are these muppets???
So anyway, here's my reply
I write in reply to your letter of 12th August. I am somewhat surprised at your contention that I requested a signed copy of CCA in my letter of 10th August, asI most certainly did not. Nor did I ask for copy statements to show how the debt had been accrued. What I actually asked for was a breakdown of the debt. For ease of reference, I have attached a copy of my letter of 10th August; perhaps you would like to read it again as you obviously did not read and digest it correctly the first time.
May I respectfully remind you that as the purchasers of the aforementioned debt, it is your responsibility to provide details of the debt, therefore it is quite inappropriate for you to state that in order to get a breakdown of the debt I must write to Natwest for copy statements with a payment of £10. Even if RCM are not the owners of the debt, as the company demanding payment then surely you must already hold proof that this debt does actually exist? If this is the case, then please forward a copy to me. If it is not the case, and you atually have no breakdown of the alleged debt, then may I ask why you are demanding payment be made to yourselves? Or is it your normal practice to send threatening letters without any facts to substantiate your claims?
According to yourselves , the amount outstanding on the account is £xxx, which will remain in dispute until a breakdown of charges has been received from yourselves. If you are unwilling or unable to do this, then I suggest that the case is passed back to its originator.
If full details are not received within 14 days from the date of this letter I will consider that there is no proof that the debt exists and will enter into no further correspondence.
I therefore hope to receive your full co-operation in this matter and would like to request a written response to that effect.
To be honest, if they come up with proof then I'll pay them, not too much to ask that they ask nicely though is it??:beagle:
So anyway, here's my reply
I write in reply to your letter of 12th August. I am somewhat surprised at your contention that I requested a signed copy of CCA in my letter of 10th August, asI most certainly did not. Nor did I ask for copy statements to show how the debt had been accrued. What I actually asked for was a breakdown of the debt. For ease of reference, I have attached a copy of my letter of 10th August; perhaps you would like to read it again as you obviously did not read and digest it correctly the first time.
May I respectfully remind you that as the purchasers of the aforementioned debt, it is your responsibility to provide details of the debt, therefore it is quite inappropriate for you to state that in order to get a breakdown of the debt I must write to Natwest for copy statements with a payment of £10. Even if RCM are not the owners of the debt, as the company demanding payment then surely you must already hold proof that this debt does actually exist? If this is the case, then please forward a copy to me. If it is not the case, and you atually have no breakdown of the alleged debt, then may I ask why you are demanding payment be made to yourselves? Or is it your normal practice to send threatening letters without any facts to substantiate your claims?
According to yourselves , the amount outstanding on the account is £xxx, which will remain in dispute until a breakdown of charges has been received from yourselves. If you are unwilling or unable to do this, then I suggest that the case is passed back to its originator.
If full details are not received within 14 days from the date of this letter I will consider that there is no proof that the debt exists and will enter into no further correspondence.
I therefore hope to receive your full co-operation in this matter and would like to request a written response to that effect.
To be honest, if they come up with proof then I'll pay them, not too much to ask that they ask nicely though is it??:beagle:
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