Originally posted by neveragain
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IQ Consultants, Felicitas Solutions, ECS Trustees - loan repayment demands
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Originally posted by neveragain View PostGot the letter for payment demand again. Letter had to be signed for this time.
Pay within 14 days from 25th March.
Don't know if it's worth emailing them asking why they hadn't responded to my email after the first letter?
Just send them another dispute letter. Did you get an receipt from them regarding your email? If so then send that to them too.
Technically they are breaking all FCA rules by ignoring dispute letters.
Remember what we are doing here is merely disputing a debt you don't think you have, whatever else goes down and whatever else is in the background of these HMRC loans don't get confused with the two. At the moment we are dealing with a straight forward debt dispute procedure. Long way to go yet, this first step is for them to prove the debt, they also have to prove the rights to collect, but most importantly they have to proved the debt.
IF you send a second letter signed for it will not be signed for in this current climate so we need to be mindful there.
Also join up with WTT or ETC Tax to create a group response is my recommendation.
For now treat this as 100% a simple debt dispute.
Stay safe and strongComment
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Originally posted by pnr8uk View PostIF you send a second letter signed for it will not be signed for in this current climate so we need to be mindful there.Scoots still says that Apr 2020 didn't mark the start of a new stock bull market.Comment
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Originally posted by Paralytic View PostIf someone posted what the envelope looks like here, would it give others the opportunity to intercept it and refuse to sign for it?
envelope windows only shows your address
return address:PO Box 106 RedRuth TR15 9BN
check the address via: Who Wrote MeComment
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Originally posted by pnr8uk View PostJust send them another dispute letter. Did you get an receipt from them regarding your email? If so then send that to them too.
Technically they are breaking all FCA rules by ignoring dispute letters.
Remember what we are doing here is merely disputing a debt you don't think you have, whatever else goes down and whatever else is in the background of these HMRC loans don't get confused with the two. At the moment we are dealing with a straight forward debt dispute procedure. Long way to go yet, this first step is for them to prove the debt, they also have to prove the rights to collect, but most importantly they have to proved the debt.
IF you send a second letter signed for it will not be signed for in this current climate so we need to be mindful there.
Also join up with WTT or ETC Tax to create a group response is my recommendation.
For now treat this as 100% a simple debt dispute.
Stay safe and strong
Yes i did get an email receipt say that it was received etc..
Think I might mail them again with their receipt
FYI, i've not sent a paper letter, just email.Comment
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Originally posted by neveragain View Postplain white envelope. usual royal mail signed for sticker.
envelope windows only shows your address
return address:PO Box 106 RedRuth TR15 9BN
check the address via: Who Wrote Me
It will be recorded as signed for and delivered.Comment
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Originally posted by neveragain View PostYes i did get an email receipt say that it was received etc..
Think I might mail them again with their receipt
FYI, i've not sent a paper letter, just email.Comment
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Originally posted by pnr8uk View PostJust send them another dispute letter. Did you get an receipt from them regarding your email? If so then send that to them too.
Technically they are breaking all FCA rules by ignoring dispute letters.
Remember what we are doing here is merely disputing a debt you don't think you have, whatever else goes down and whatever else is in the background of these HMRC loans don't get confused with the two. At the moment we are dealing with a straight forward debt dispute procedure. Long way to go yet, this first step is for them to prove the debt, they also have to prove the rights to collect, but most importantly they have to proved the debt.
IF you send a second letter signed for it will not be signed for in this current climate so we need to be mindful there.
Also join up with WTT or ETC Tax to create a group response is my recommendation.
For now treat this as 100% a simple debt dispute.
Stay safe and strongComment
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anyone have any thoughts on the below:
FCA Consumer Credit sourcebook:
"A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid." 7.5.3
"A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds." 7.14.1
"Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner." 7.14.3Comment
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Originally posted by pnr8uk View PostIt's a good idea to get the receipt again for sure, I am going paper this time, recorded (signed for) - even though the post won't wait for a signature the tracking will say delivered etc.,Comment
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