Hi Stubie/CMK,

In the event of CCC's being advised not to call and communicating only in writing, what legal section of what act should I quote to them. So far, I've just said that I sent a letter, asking that further communication be made in writing only, then hung up. However, having received a couple of calls in one day, they are ticking me off, so I want to be ready the next time they call.

Thanks Nixxy

Hi All,

Just to have my ten cents worth!

Thanks for all the kind words, it is rewarding just to see people have some hope and a feeling that they are not alone. The debt sharks prey on the vulnerable, the more they feel that an individual is alone, the greater the sense of perceived weakness. Then they smell blood and go in for the kill. Forums like this help people shed the feeling of isolation and everyone can contribute there.

CmK is right, we should use a thread to deal with the problem posted by the originator - blimey, you stay up late mate - 12:20 post! :-). So a new problem means a new post. I am concious that some threads see heavy traffic whilst others fade away or go un-noticed (hand up as guilty on this too) so it is inviting to try to hijack a busy thread. On other forums it seems to be practice to list a new thread and then post a link in a busy thread to direct the group to the new problem - I can't see the moderators objecting to this. I'm not omnicogniscent, a little pointer will help me to use my (also) limited time most effectively.

That said, a little trawling through recent threads will give enough info to start this process and many of the more common problems have also been covered elswhere. The objective of this forum, as I see it, is to help people to help themselves with a side order of mutual morale therapy.

When you really don't know which way to turn, post a thread and we will try to help.

S (still not small :-))

Hi All,

I have to say that seeing the posts here gave me the courage to began challenging my CC, and asking them to produce my contract. I read a lot of the advice CMK gave several people, and felt I would be able to give it a go with the template letters posted. So believe me, you have helped more people than you know.

I tried to ask questions on other threads about my situation, but they just got thrown off by the moderators. I thought if my question related to the issue being discussed, that it was okay.

I was so relieved when Stubie came on board to help me out, I am so very grateful for your advice. It has given me a huge amount of encouragement. We need more people like you on here, as I understand like CMK said, its time consuming for one person to offer individual assistance to everyone. I feel like I have an angel on my side. I understand that I have to do a lot of reading and researching myself, and I have tried to get more clued up on the whoe legislation regarding CCA's, enforcement, unenforceable contracts etc.

I agree with Stubie, that sucess stories would give people some hope though. I think the individuals with the sucess should be the ones to post the news, as you guys are doing quite enough with the ongoing advice and support.

Nixxy

Hi Conmankiller,

I joined the site today so I could say – Thank you for all of your help, I have found your posts very informative and straight forward to follow. I still have a few issues with my credit card company whereby they think they are above the laws of the land.

They do not seem to know what a Statue is or what Common Law means, it goes without saying that they are using that argument to their benefit.

Once again thank you for all of your help.

Hi Gavftm,

It maybe a case where not everyone's sitaution is the same, if a person is getting hassle from a bank or credit card company and that person ask's for help from a forum such as this. Then why not help that person with there issue, and in doing so maybe that help will help other people in the same boat. I think it is a good thing in deed.

Going by what you have posted you pay when you owe, which is good and fair play to you. However, not everyone has the same standpoint because we all lead very different lives to each other. And you may find that the 99% that you posted is a tad wrong because if that was the case.

The Office of Fair Trading (O.F.T.) would not have made a number of rulings pertaining to customer's being treated fairly by the credit card companies and banks.

I hope you do not try a cheap shot relating to my spelling as I know it is bad and this site does not suppport - F7

You're right, of course.

most of the people I have encountered on this site seem keen to do the homework, in fairness, although a lot are daunted by the scale of the task.

Stubie is what my nephew called me when he was young, unfortunately it stuck. That was nearly 20 years ago now so I've got used to it. It could have been worse :-/

S

Hi Stubie 1 - It was the use of the word stubie that implied you may be short, however I'm relieved to hear that the Doctor states you are perfect in every other way...................... LOL : -- )

The whole point in helping people is the fact they also have to find or make some time available to search and read through threads, otherwise the object is somewhat defeated in that no lessons have been learned.

People have to be encouraged to self-help also to search & find out the position to some degree for themselves as well as the outside help that is contributed. Otherwise certain individuals would never take the time to do it for themselves...instead preferring to sit back & leave it to someone else to do it all on their behalf. !

Yeah Right, no, my doctor say I am perfect in every way, mind you, he hasn't upset me yet!!! :-)

Good work on the thread, excellent result.

We should post a new thread with all the successes in, it would give heart to anyone thinking of embarking along this road and not having the time to read through them all.

Keep in touch

S

Hi Stubie 1 (are you small? : -- ) - This thread from stevemetal had a great result for him....one month in total for a statute barred debt to be written off. In that particular thread at the bottom I used my own edited version of the generally available harassment letter to apply to his particular circumstances.....it worked a treat that is the main thing, he was happy, I was happy and the debt collectors well ....that's just TUFF. !

http://www.moneysupermarket.com/community/forums/t/old-credit-card-debt-help-33143.aspx

I notice the good work you do it's reassuring to know I am not alone, as I don't have enough spare time probably in the same respects as Tartan Army, to always be available to offer advice... which can be extremely time consuming, therefore keep up the great job you're doing. !

Many hands make light work & all that. ?

Hi Conmankiller & TartanArmy,

Glad to make you acquaintance, lot of respect for the work you are doing here and only too glad to support in any way I can.

Of course credit should be given to the person who originated a document and I will always try to give the proper credit where it is due. Feel free to plagiarise any document I post here or anywhere else. As CK rightly states, we are here to defeat a common enemy - and doing a bl***y good job of it, if I might say so.

The more like minded souls we have here adding to the cause, the stronger we become, collectively.

I'm new to this site, as you probably noticed, still finding my way around but its good to run across you guys and look forward to doing so as often as we can help eachother in the future.

Respect

S

Although it's that irrelevant it's hardly worth a mention, the letter came from the moneysavingexpert site, however there are that many different versions kicking around it's extremely difficult to say with certainty where the originals were compiled.

I sometimes form a letter of my own completely from scratch, or on the other hand pirate an existing letter I come across then simply edit or manipulate the wording to suit the intended application it's being used for....

As long as the main goal is the same, that is to defeat crooked and oppressive debt collectors who use intimidation and bullying tactics, then I personally don't give Two monkeys where they originate from ...as we all fight the same fight. !

I have to voice my opinion of the OFT and other statutory bodies here, if they used their powers granted to the fullest preventative extent to stop these crooked DCA's and financial organisations in the first place dead in their tracks, then the amount of misery caused to innocent joe public would be vastly reduced. Strangely though they only seem to take on cases mainly when they appear to be pressurised into being seen to be doing something...why is that I wonder. ?

Stubie-One

A minor correction......

The harrassment letter originates from CAG and cmk has it in his weapon store for this site. Whilst it is never easy to know the origins of such letters the correct credit should be applied!!!

Hi,

Thanks for the phone harassment letter, I'll use if if and when it comes to that. I know it'll be a long road because even the claims I have in with a legal company have been going on since last summer. I'm quite good at ignoring phonecalls and hanging up on them. If it gets too much I'll block thier numbers or even set the phone not to accept calls from withheld numbers. Than'll stump them eh.

Thanks for your support

Hi All,

This is from conmankiller relating to phone calls, on another thread it seems to be getting a good review so might be worth trying on those who call you.

Your name address & Date

Dear Sirs

Account Number: XXXXXXX

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete this line if necessary)

I now require all further correspondence from your company to be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded. ( Delete this -- **Even if you don‘t yet have recording equipment!!**)

Yours faithfully,

[PRINT NAME HERE]

Good letter - nice one conmankiller

S