Get Out Of Debt
  • Write off unaffordable debts
  • Lower your monthly payments
  • Stop creditors from contacting you
  • Check My Debt Options

How Can I Get Out of Debt?

With a simple legislated debt solution you can consolidate all your debts into one lower, affordable monthly repayment. Make one set payment per month for a set period, and after the period expires any remaining debts left are legally written off. This can be up to 90% depending on your circumstances.

Clarity Credit Management Solutions Limited

Jasper2013 asked:

Hi GOODF Members.

Previously I was dealing with an account that had been passed from Santander to Moorcrap so I started the letter 3 process and about to send estoppel to them although that they had passed the account back to Santander I intended to follow through with the letter 3 process so that these parasites could not come back to me. THE DEBT HAS NOT BEEN SOLD Clarity are only managing the debt for Santander

All had gone quiet for a while because the account had been returned back to Santander until yesterday I received a letter direct from Santander advising me that the account will now be administered by a company called Clarity Credit Management Solutions Limited based in Northampton, 👿 👿 👿 👿

Clarity Credit Management Solutions Limited
Swan Court
Lamport
Northampton
NN6 2EZ

Tel – 0844 5611715 , Text 07797800850, website: www.payclarity.com, email: [email protected]

Whilst I have received a letter from Santander advising me this its states in the letter I quote “If you wish to contact them their details are”

Well I do not wish to and I will not be making contact with anyone or company until I have received a letter on letter head paper so that I can then proceed with letter 3 process. I was wondering if anyone has heard of these additions of parasites to the already mounting pile. 😆 😆 😆

Olav replied:

not heard of them but have just looked at their website and they seem like the typical run-of-the-mill scum debt collector. 😆

Nothing to worry about 😀

mareo replied:

Now they have been introduced, expect letters from them, the process starts again, unless you stop them with your letter,

Baltic replied:

Their just another up and coming set of parasites content in the knowledge their attempting to screw the masses!

cliffbows replied:

I had a letter from them about this time last year They buy old debts I am led to believe then send them out around xmas hopeing that the vunerable will pay for their xmas I sent them a reply with a quote I found on this site “Dear sir I am sat on the loo I have your letter before me, soon it will be behind me and then below me”…..Send the parasitical chancers the letters , they will back down I am sure MERRY XMAS cliff :mrgreen: : 👿

Jasper2013 replied:

Hi OlavGustafsson,

Sorry not responded before now not ignoring you just had a lot to deal with with a major creditor and seems to be taking most of my time up at the moment however I did manage to get them to back down and write off nearly £18,000 from the current outstanding balance. Parasites which I am now waiting for payment of £10,000 billed and reminder sent yesterday.

Any way getting back to Clarity letters have been sent however they have not bought the debt they are managing it for Satan 😈 I already scared off Moorcrap and they sent account back to Satan 😈 for them to deal with because they could not be arsed. sit back and enjoy the fun I will.

I have started letter 1 Mareo here we go again 😆 😆

I agree Baltic more and more I deal with these parasites 😈 more and more I become stronger 😆

I have started cliffbows I think I shall include your quote in my next letter 😆 😆 😆 😆

Thanks and Regards everyone for your continued support

Jasper2013 replied:

Morning All GOODF members,

I received a letter today from CLARITY

Thank you for your letter dated the 3rd January 2014 received 7th January and passed to me for action.

Please be advised that we have now contacted our client to request further details relating to this account and we will contact you again once this information has been received,

Yours sincerely

Well just sitting back and waiting letter 2 is due very soon 😆 😆 😆 😆

Thanks and Regards

Getoutofdebt1000 replied:

I got a reply to that letter today, which was a response to my 3rd letter.

It makes no sense! After thanking me for my third letter below is word for word, see if you can work out what it means, obviously Bill in post tomorrow.

“I can confirm that we have undertaken an investigation into the issues raised in your letter. Clarity has not purchased the above debt and is therefore under no obligation to issue any documentation outlining our legal capacity in this matter.

We refer you to the terms and conditions relevant to this account within which it will outline the means by which our client can seek to recover outstanding debts. This can include the matter being outsourced to am external agency for debt recovery purposes. Confirmation of our capacity in this matter can be obtained from our client directly.

Please do not hesitate to contact us should you require any further assistance.”

They say they haven’t been sold the debt.

So why chase me for the non existent debt, what’s in it for them, are they a company who do work for the illegally acting banks for free? Lol!

Do they think I was born yesterday?

I think this is their way of saying we are no longer dealing with this account, just said in a very odd way.

Bill is still going in the post tomorrow though.

Jasper2013 replied:

Hi getoutdebt1000

I hear what you are saying I received a letter yesterday with a PHOTOCOPY of the agreement with the bank which relates to a bank account not credit card or loans however believe that it does relate to an overdraft from some years ago. They also sent me a statement of account which proves nothing to me. They say like you that they have not bought the debt and that they are dealing with it on behalf of SATAN 😈 however I don’t care if they want to deal with it I am not paying anything to them. Moorcrap already sent the account back to SATAN 😈 after they could not be arsed to deal with it.

I only sent letter 2 a couple days ago because I had been dealing with other matters and this I am afraid was set aside however I am back onto clarity now and will follow the process. I don’t even think that these companies read the letters that we send and I don’t think that they clearly understand the terminology outlined in the letters so therefore they need to go away and educate their small minded scamming parasite brains.

Keep battling you will get there and the support on here is fantastic. I have not won any as yet however keep playing the game and have fun.

Thanks and Regards

williams2583 replied:

They are easy to defeat just carry on.

Jasper2013 replied:

Hi william2583

Many thanks for your support I shall keep going to the bitter end.

Thanks and Regards

Jasper2013 replied:

Good Afternoon GOODF Members.

Update with regards to Clarity.

Last week a letter was received enclosing a photocopy of a credit agreement and a statement I assume that SATAN has provided.

Today I have received another letter in response to letter 2.

I can confirm we have undertaken an investigation into the issues raised in the above referenced correspondence and have concluded that your complaint has been declined. The reasons are detailed below.

I understand that the letter template you have chosen to use has recently gained popularity on certain forums but unfortunately due to the fact that our client has supplied the documentation requested I do not see the relevance the letter has in this matter.

Clarity acts in good faith on the information and instructions issued to us by our clients. We are passed this information on the basis that the information provided is true and correct at the time of issue. In this instance , we were passed an account in your name with instructions to pursue for the full balance accordingly.

We are Data Processors acting on behalf of our client the Data Controller. We have not purchased the debt and are therefore under no obligation to issue any documentation outlining our legal capacity in this matter. We refer you to the terms and conditions relevant to this account within which it will outline the means by which our client can seek to recover outstanding debts. This can include the matter being outsourced to an external agency for the debt recovery purposes. Conformation of our capacity in this matter can be obtained from our client directly.

We are under no obligation to provide the name of any individual requested in your correspondence and there is not a specific individual who has been authorised as a representative in this matter.

I trust this clarifies the situation for you.

Thoughts and Comments would be appreciated please

williams2583 replied:

They have not provided what you have requested and are only agents ie have no standing.Thus ignore their stupid comments and complete the process .I have done this many times after receiving the documentation you describe,wait for pass the parcel time.

assassin replied:

CLARITY CREDIT MANAGEMENT SOLUTIONS LIMITED
Address
UNIT 2
SWAN COURT
LAMPORT
NORTHAMPTONSHIRE
NN6 9EZ
Financial intermediation not elsewhere classified
Activities of collection agencies

Legal Information
Company Registration No.: 05307808
Incorporation Date: 8 Dec 2004
9 Years old

Directors and Secretaries

Stephen Butterworth 20 Aug 2007 ⇒ Present (6 Years) Director
Vincent Fandozzi 11 Mar 2011 ⇒ Present (2 Years) Director
Laurence Rix 1 Sep 2009 ⇒ Present (4 Years) Company Secretary
Garry Stran 1 Feb 2005 ⇒ Present (9 Years) Director

STEPHEN BUTTERWORTH
GOOLE DEVELOPMENT TRUST
SOLID GLASS LTD
THE TRADING STANDARDS INSTITUTE
CLARITY CREDIT MANAGEMENT SOLUTIONS LIMITED
EBA INSURANCE SERVICES LIMITED
FIELDCALL LTD

CC FILMS LIMITED
1ST CLASS ENTERPRISES LIMITED

STEVEN BUTTERWORTH
BIGHAND HOLDINGS LIMITED
NATHANIEL LICHFIELD & PARTNERS LIMITED
BIGHAND LIMITED
DIAMOND RING JEWELLERY LIMITED

MR STEPHEN BUTTERWORTH
CLARITY CREDIT MANAGEMENT SOLUTIONS LIMITED
BANKSIDE CONVERTERS LIMITED
FIELDCALL LTD

CC FILMS LIMITED
1ST CLASS ENTERPRISES LIMITED

STEPHEN JAMES BUTTERWORTH
T.COOPER & CO.(MACCLESFIELD)LIMITED

STEPHEN KEITH BUTTERWORTH
FIELDCALL LTD

STEPHEN MONTGOMERY BUTTERWORTH
STEVE BUTTERWORTH LIMITED

STEVEN EDWARD BUTTERWORTH
BIGHAND LIMITED

MR STEPHEN RICHARD BUTTERWORTH
BUTTERWORTH INTERIM MANAGEMENT LIMITED

VINCENT FANDOZZI
CITIGROUP CAPITAL UK LIMITED
CITIGROUP CAPITAL HOLD CO UK LIMITED
PALL MALL DIRECTORIES LIMITED
PALL MALL BERMUDA LIMITED
SEVEN MILE CAPITAL VENTURES UK LIMITED
CITIGROUP CAPITAL INVESTMENTS UK LIMITED

POWELL DUFFRYN LIMITED
HAMWORTHY ENGINEERING LIMITED
POWELL DUFFRYN (INTERNATIONAL) LIMITED
POWELL DUFFRYN PURFLEET LIMITED
POWELL DUFFRYN GROUP SERVICES LIMITED
PRESTIGE ACQUISITIONS LIMITED
POWELL DUFFRYN INVESTMENTS LIMITED
AUS HOLDINGS (2007) LIMITED
REGENERATION CAPITAL LIMITED
SEVEN MILE CAPITAL PROPERTY UK LIMITED

AUSINV 2007 LIMITED
PALL MALL GERMANY LIMITED
PEABODY ENGINEERING (NO. 2) LIMITED

MR VINCENT FANDOZZI
BRITISH CREDIT TRUST LIMITED
CONSUMER FINANCE ACQUISITIONS CO. LIMITED
BRITISH CREDIT TRUST HOLDINGS LIMITED

MR VINCENT PASQUALE FANDOZZI
CLARITY CREDIT MANAGEMENT SOLUTIONS LIMITED
POWELL DUFFRYN PURFLEET LIMITED
POWELL DUFFRYN GROUP SERVICES LIMITED
POWELL DUFFRYN (INTERNATIONAL) LIMITED
POWELL DUFFRYN INVESTMENTS LIMITED
HAMWORTHY ENGINEERING LIMITED
POWELL DUFFRYN LIMITED
REGENERATION CAPITAL LIMITED
PEABODY ENGINEERING (NO. 2) LIMITED

LAURENCE RIX
THE PROPERTY SERVICE PARTNERSHIP LIMITED
FIELDCALL LTD
CLARITY CREDIT MANAGEMENT SOLUTIONS LIMITED

MR LAURENCE RIX
CLARITY CREDIT MANAGEMENT SOLUTIONS LIMITED
FIELDCALL LTD

GARRY GEORGE STRAN
CLARITY CREDIT MANAGEMENT SOLUTIONS LIMITED
FIELDCALL LTD

MR GARRY GEORGE STRAN
THE PROPERTY SERVICE PARTNERSHIP LIMITED

Jasper2013 replied:

Thanks assassin very informative and much appreciated.

Game still going will plod on with the ones that I have not sure if the 4 that I am dealing with are proving hard to defeat or I am doing something wrong.

Thanks and Regards

Jasper2013 replied:

Good Morning GOODF Members.

Battle still on-going with Clarity. Letter received at the weekend as below.

I write further to your recent letter dated the 13th February. The contents of which have been noted.

As per our letter dated the 6th February 2014. We are data processors acting on behalf of our client the Data Controller. We have not purchased the debt and therefore under no obligation to issue documentation outlining our legal capacity in this matter. (Think they need to do some reading under the legislation contained within s.78 (1) Consumer Credit Act 1974 before they start saying this)

We refer you to the terms and conditions relevant to this account, within which it will outline the means by which our client can seek to an external agency to recover outstanding debts. This can include the matter being outsourced to an external agency for debt recovery purposes. Confirmation of our capacity in this matter can be obtained from our client directly.

Furthermore we advise that we are under no obligation to provide the name of any individual requested in your correspondence and there is not a specific individual who has been authorised as a representative in this matter.

Please note that there is not and will not be any agreement as alleged or at all in the aforementioned letter with Clarity Credit Management Ltd or the original creditor that will result in monetary remuneration under the terms outlined in your letter. Any such agreement alleged or otherwise is herby rejected and not recognised by Clarity Credit Management Ltd or the original creditor.

I trust this clarifies the situation for you.

If you remain dissatisfied you may bring a complaint to the attention of the Financial Ombudsman Service within six months of this letter, who may investigate this. Please find their details in the enclosed leaflet.

Yours sincerely

Thoughts and Comments appreciated.

Thanks and Regards

Faljay replied:

Hi Olav,

Where have you been lately? Missed your usual round of posts in Latest News Headlines.

Take Care. 😀

Sorry to but into this post. 😕

Faljay replied:

Have you sent them a section 10 data notice yet. If not do so, give them 28 days to reply, a further 21 days, then report them to the Information Commissioner’s Office.

Take Care. 😀

Jasper2013 replied:

Hi Faljay

So are you saying allow 49 days in total before reporting? or am I misunderstanding ? 😳

Thanks and Regards

Faljay replied:

I’m afraid so as it’s the ICO’s rules, not ours.

😀

williams2583 replied:

They are basically saying we dont have any details of the claim other than a reference and amount supplied from the OC ,we are only agents and dont know what is going on and if you have any issues please contact the OC and by the way can you give us the money we (sorry original creditor ) says you owe,then we can take our 50% and pass the remainder back to the OC who paid 5p in the £ for it,so everyone is happy except you.Seen it all before ,you should find they disappear very soon as they dont like and cant cope with protracted legal arguments about something they have no knowledge about.

Jasper2013 replied:

Hi Faljay,

That’s cool as long as I know. Thanks again

Jasper2013 replied:

Good Morning GOODF Members

Update on Clarity, letter this morning advised me that the alleged debt has been returned to SANTANDER and that I will not hear anything else from CLARITY CREDIT MANAGMENT SOLUTIONS LIMITED.

Estoppel already issued on 27th February 2014. Bring it on…… 😆 😆 😆 😆 😆

Thoughts and Comments appreciated.

Thanks and Regards

letissier14 replied:

Well done 😀

Now just wait for the next move 😆

Jasper2013 replied:

Thanks letissier14, I will keep battling on until these parasites are off my back.

Thanks for your input and thanks to many GOODF Members too I could not have done this without you all on here the support is fantastic. Thank You.

Thanks and Regards

Getoutofdebt1000 replied:

Glad to hear you got that letter, I billed them back in January for copyright etc, got a letter from them saying the don’t think the invoice is appropriate and will not be making payment against it. Sent the 30 day follow up Bill with late payment charges and got a similar letter back reiterating that the don’t feel the invoice is appropriate for a second time.

Not had anything since, I was expecting the usual letter you have, seeing as this is the 5th DCA chasing me and that is the usual last letter, but still nothing.

Which seems odd when they have sent you that before you got to Bill them.

Anyone any ideas?

astracan replied:

I had a letter recently from Clarity saying they are now the reps for Cabot, but the owners of the alleged debt.
I informed them that I had a case against Cabot and had informed Cabot that should they wish to go forward with the issue the should do it in court. Also that if they wish to take this further they should inform me as to whether they are in possession of all of the papers.

The reply was two lines saying, thank you for your letter please phone us… go figure… the answer… NO I won’t.

Faljay replied:

Looks like they might be seeking mediation, rather than court. 😆

Tell them to mediate with the judge. 😆 😆

And well done on getting the parasites to back off.

😀

williams2583 replied:

As i said before they will go quietly, if thou does protest.Well done.

Jasper2013 replied:

Good Morning GOODF Members,

This one seems to have reared it’s ugly head again now Robinson Way are dealing with it. I received a call on my mobile yesterday and it was an automated message saying “This is Robinson Way please press 1 to speak with an agent” immediately terminated the call and added to my blocked call list also on my land line.

Written up letter 1 today and sending section 10 and No Trespass. This is the third agent now this has been to and becoming annoying, these parasites just will not get the message.

Comments appreciated, I have read a few threads and see that these idiots seem to think they can do what they want.

Thanks

Faljay replied:

Don’t bother doing the letters yet again, simply send a copy of the dated estoppel first sent out to the original DCA, with a brief letter stating they are one of numerous DCA’s who have tried and failed to enforce this alleged debt as they are now, and forever, barred from taking any action whatsoever and it would be in their best interests and economically sound for them to return the account to the OC.

😀

Jasper2013 replied:

Hey Faljay,

Many thanks for that much appreciated. sent today as the second letter was due anyway.

Thanks again…… 😀 😀 😀

Jasper2013 replied:

Good Morning

Received letter today from Robinson Way, looks like their standard template letter same as all dealing with these parasites.

Thank you for your correspondence addressed to our executive.

Your internet based template has no foundation or relevance to the dent you owe.

Please respond with either a valid dispute or proposal for payment within the next fourteen days.

Yours Sincerely

Scott Pedder 😆 😆 😆 😆 😆 😆 😆

Jasper2013 replied:

Hi All.

Just done some checking on the address on the back of the envelope from Robinson Way and noticed it is PO Box 123, Burton on Trent, DE14 2XE.

So effectively this letter has not even come from Salford but a fictitious address unless the address is a central hub where all there template letters are sent from. I have done a check on the postcode with Royal Mail and only address comes up with that post code is :

Peerless Handling & Distribution
PO Box 123
BURTON-ON-TRENT
DE14 2XE

Thanks

Faljay replied:

Send the next letter when due and address it to the registered offices, or wherever you sent letter 1. It will get passed to whichever moron is dealing with your account.

You can always state the next letter is a letter of complaint, then they have to put the account on hold to investigate and have 8 weeks to respond. If no response after that time, then report them to the FOS, and if nothing comes of it, you can at least have the satisfaction of knowing the FOS will have charged them approx. £500 just for your registering a complaint.

😀

Jasper2013 replied:

Robinson Way response

With reference to your recent contact, as previously advised your letter has no relevance to the debt that you owe and no valid dispute has been submitted. any further internet based templates received from you will not be acknowledged unless a valid query or dispute has been raised. We will now resume collection activity on your account and require your pro proposal for payment within 14 days.

yours fait fully

collections manager

so what is this but a template, input appreciated

Thanks

royboyone replied:

Been answered in another post. 🙂

Faljay replied:

The validation of any debt is not an invalid dispute. They must provide you with proof you are the person in question and that they have the right to pursue you.

Are Robber Son and Waylay agents, or do they allegedly own the alleged debt?

😀

Morbid replied:

also got a letter from the same de14 2xe post code. not bothered with them as not living in the address they are trying to find me in.. if they dont buy the debt then whats the point sending them three letters confirming im living there huh? ANR-RTS.

jcoles replied:

Jasper123
Can I ask what happened with this dispute? Wondering because I am in the same position you were with Robinson Way

williams2583 replied:

This claim is GOING ON 3 YEARS OLD,DONT YOU GET IT THEY DONT HAVE ANY EVIDENCE,ITS A DEAD PARROT (CLAIM)