I'll try and post a scanned image tomorrow/sunday, but currently windows refuses to talk to my scanner...
I received my second letter from Red Debt today. The date is printed as 10th April - I posted my first letter to them and Lowell on the 11th...
It said in a nutshell: as they have not received any response from me with regards to agreeing on a payment plan, that they will give me a 30% discount on my alleged debt OR let me pay 60 Pounds a month until its covered. I have 10 days to call them and agree to these terms or they will pass it directly onto Hamptons Legal (there legal division as they put it). Or if I cannot afford what is being offered (which I can't) to call them and discuss other payment plans.
So as this letter was posted before I posted My first letter, by the time I post my second, Hamptons legal will be on my case and i'll have to start sending them the 3 letters too. Thus I'll be sending all three divisions a letter (Lowell Finacial, Red Debt and Hamptons)
though I'll have to double check later, but i'm sure I came accross information the other night that stated Hamptons legal dissolved, or at least Lowells directors resigned. Will have to double check that!
Anyone have any thoughts or opinions on any of the above? Shame they didin't give me a 90% discount, i might have succumbed just for the saving of postage which is going up this week I hear...
EDIT:: As we can write these people a letter telling them not to phone us. And (I believe) send a letter of denial of entry to our abodes. Can we not send letters to stop their poaching and harassment by postal mail>? - If they cannot provide us with what we have requested in letter one, what right do they have to hound us with accusations and threats?
As they [DCA's] have settled our alleged agreement with the governing body which may have allegedly loaned a sum of monies to us, as I understand it, without signing a contract with the DCA we only have a potential contract with the governing body [bank] which may have granted us the funds [imaginary peter pan monopoly money] in the first place, so the DCA has no legal bond to us. I.E we have no binding contract between ourselves and the DCA, they bought the original alleged debt and at this point [DCA bought debt] my alleged obligation to the bank, should be concluded in full, any credit rating mishap should be labeled as paid in full and any remaining debt to the alleged account should be furnished/voided via the DCA.
Or one too many Jack Daniels? I just believe that without them providing CONCRETE proof in the beginning, that they should not legally be doing what they are doing. They have sent a dozen letters to me since December 16th 2011 - without one response except the first letter a few days ago.
If I had the funds I'd have a great lawyer on there Arse!