Bankruptcy for £45

[ODC]

I know that DCA pet solicitors are not the sharpest tools in the box but the letter I have received from GM LAw Solicitors really shows how pathetic they really are.

Unless they receive payment in full of £45 they will consult their clients for instructions to proceed under the Insolvency Act 1986.

I am advised to telephone their threat monkeys immediately.


There are several problems here

1. The Insolvency Act 1986 does not apply outside of England and Wales

2. Threatening legal action which they cannot carry out is a breach of the CPUTR and the OFT Guidelines on Debt Collection

3. They are £701 short of the threshold for bankruptcy.

As this company claim to be members of the Solicitors Regulatory Authority Im sure they would be interested in this letter.

GM Law is a Trading Style of Merchant Legal LLP and the members of the SRA are AT O'Doherty and S Soni

[debtisbad]

Re: Bankruptcy for £45

please goahead report them. The only reason that time and time again on here, both solicitors and DCASAsis that very few people report.

I reported all 3 of my DCAs to the FOS, ICO, TS, local MPs, etc.

[Curlyben]

Re: Bankruptcy for £45

ROFTMAO.

That's a classic.
I guess the desk monkey had difficulty selecting the appropriate templated response that morning.

[TUTTSI]

Re: Bankruptcy for £45

Which goes to show that they ask say a junior or even a work trainee, well on this day it could have been the cleaner to print out these letters and just sign them and out they go. They are not obviously trained in insolvency law. Complaints all round it seems would be in order.

[Angry Cat]

Re: Bankruptcy for £45

Kidology!

[ODC]

Re: Bankruptcy for £45

An ordinary person who received this letter would probably believe the dung they have written. Fortunately I have been threatened by many DCAs and realise that most of their threats aren't worth the very poor paper they are churned out on.

[ScabHunter]

Re: Bankruptcy for £45

That is one of the most blatant and ridiculous violations of the OFT Guidance I have yet seen.

The problem is, though, as you say, there are plenty of people out there who would believe it and feel threatened by it.

To ODC, though, it will be water off a duck's back. For anyone here who is not familiar with ODC, he has been a great contributor on another consumer forum for many years and has helped many people. He will be a great asset to this site.

SH

[Curlyben]

Re: Bankruptcy for £45

Hey SH, we know
Were do you think most of us started..

[ODC]

Re: Bankruptcy for £45

A letter to the Solicitors Regulatory Authority plus a formal complaint to the OFT. As the illegitimate spawn of Global Debt Recovery a complaint to the DCA trade old boys club the joke that is the CSA will cost them more than £45 in time spent answering me.

[Curlyben]

Re: Bankruptcy for £45

TBH the SRA wont do toffee as they will claim that GM aren't liable for the uses their clients put their Templated Threat-O-Grams too.
The SRA sees this as acceptable business practice, even though we knows it's utter Ball Hooks.

I had the same with HL Legal and the SRA.

[Angry Cat]

Re: Bankruptcy for £45

http://www.sra.org.uk/consumers/consumers.page
------------------------------- merged -------------------------------

TBH the SRA wont do toffee as they will claim that GM aren't liable for the uses their clients put their Templated Threat-O-Grams too.
The SRA sees this as acceptable business practice, even though we knows it's utter Ball Hooks.

I had the same with HL Legal and the SRA.

Companies House, may take a different view, depending on the format of the letter...

Also, the datamatrix/barcode can be read by others, which could potentially be a DPA breach?

Technical matters, but relevant.

We all know, that these firms circumnavigate the rules and it is time that their negligence is stamped out!

[ODC]

Re: Bankruptcy for £45

TBH the SRA wont do toffee as they will claim that GM aren't liable for the uses their clients put their Templated Threat-O-Grams too.
The SRA sees this as acceptable business practice, even though we knows it's utter Ball Hooks.

I had the same with HL Legal and the SRA.

I realise that the SRA are as much use as a chocolate fireguard but all it costs me is a stamp and a wee bit of time to wind them up. They have to pay people to respond to me and my continuous questions. They will discover that I am like a dog with a bone and I will keep going until I win or they give up.

Solicitors are supposed to check things before they are sent out. It doesnt take a genius to write a bit of code for the threatomatic to say that if the alleged debt is under £750 then they cannot use the Insolvency system. So they are going to have to retrain their button pushers and who knows get some geek in to reprogram the threatomatic.

I expect the SRA to say this is human error. However they can only use this ploy for so long

[debtisbad]

Re: Bankruptcy for £45

A nice letter of complaint to the local MP is also another option. You can Google search the MP and complain easily by email. It results in a letter from the MP to the MD/CEO. Again I did this for Lowells and CapQuest and it ruffled a few feathers if nothing else. Also TS.

[ODC]

Re: Bankruptcy for £45

A nice letter of complaint to the local MP is also another option. You can Google search the MP and complain easily by email. It results in a letter from the MP to the MD/CEO. Again I did this for Lowells and CapQuest and it ruffled a few feathers if nothing else. Also TS.

My MP is well known to me. He is a qualified barrister and Im sure he would have a right laugh at these muppets

[mr.ton]

Re: Bankruptcy for £45

I recognize loads of the names on here now that have "seen the light" & seemingly left that other forum - which has fallen from grace so much now