Newbie needs advice please Cahoot Flexiloan

[Deepie]

Re: Newbie needs advice please Cahoot Flexiloan

Hi In2Deep

Thanks for responding.
With regards to them not reading my previous correspondence

Do you mean my letter 16/05/12 "letter before action response"?
I have not responded to their £1 request of 30/05/12, should I do this first?

Thanks, really appreciated
bos

I Would send them a one liner ....I Have proof CCA request was made on

[bosdog]

Re: Newbie needs advice please Cahoot Flexiloan

15/06/12 after help from In2Deep via pm, have decided to send
Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

[bosdog]

Re: Newbie needs advice please Cahoot Flexiloan

UPDATE 15/06/12

September 2004 loan 10k @ 5.8% variable paid up to
June 2008 hit personal problems, last payment and showing 10k os
Head in sand

Heard nothing till
Jan 2011 Cahoot loan appeared on my Alliance and leicester current account statement ( now a Santander Statement) showing at £15k
Ignored

18/02/11 letter from Santander "we are writing to tell you about an internal admin error.......we may not have written to you with regards to arrears on your account" arrears £371 loan £15k
Ignored

17/03/11 From Santander "notice of missed payment"
Ignored

04/04/11 From Santander "second notice of missed payment"
Ignored

06/07/11 Default notice served areears £1911 to balance £16k

16/07/11 Sent cca to Santander

27/07/11 received cca from Cahoot
Niddy says enforceable

02/08/11 Letter from Debt Management & Recovery Services
"we have been instructed by Santander to recover arrears of £2.3k"
Ignored

09/08/11 SAR sent

08/09/11 received 2004-feb 2010 account sheets printed on un headed paper and 5 screen shots form Santader pc showing 2010-2011 account info
Ignored

08/10/11 intention to issue default letter from Santander call us to discuss payment options

14/10/11 called collections to discuss payment options was told that account should have defaulted earlier, outstanding amount needed to be re-calculated, would talk to line manager, no interest or action would be added/taken till sorted. Told to ring back in a few weeks

9/11/11 Default registered at CRA

12/11/11 letter confirming termination of account arrears 3.9k

05/12/11 letter received "westcot will be our agent and act on our behalf"

13/12/11 Sent Account in dispute due to phone conversation of 14/10 and that unfair interest had been applied to account

20/12/11 Letter from Santander "investigating complaint"

28/12/11 Letter from Nelson Guest, "instructed by Westcot.. offer a discount... call or offer rejected for full amount"
Ignored

18/01/12 Letter from Santander " still looking into.... need 4 more weeks"

18/01/12 Letter from Nelson Guest "7 days or legal action may be taken"

28/01/12 letter from westcot re doorstep collector

03/02/12 sent only communicate in writing letter

14/02/12 letter from santander, still investigating....now been 8 weeks since first contact

20/02/12 letter from Credit Security "instructed by client to recover outstanding debt..."

Ignore or respond?


21/02/12 Letter sent following Niddy's advice " I am in the middle of a dispute...

10/04/12 Received correspondence back from Santander after 4 months from dispute letter.
They have now agreed that they will refund all charges from 2008 (6k off total o/s!!) as they accept that they did not send me any account statements or contact me from 2008 to 2011, They do not accept that they have to credit anything due to the rate jacking over the period of the loan (many others have been re-funded for their rate increases) Therefore my registered default is not showing the right amount with experian. Should they have defaulted some time in 2008 rather than the end of 2011? I Have sent the letter to Niddy by pm and could do with further advice. This could be of interest to all flexiloan victims!

03/05/12 From Santander "I am writing to advise you that we will be referencing your account to our agent Wescot Credit....will be responsible for managing your account....all further communications should be addressed to them in the first instance...."

10/05/12 Received letter from Moorcroft : " We have been instructed by Santander to collect overdue debt... (showing new figure, see previous post )
"it is a legal requirement to send notice of intended litigation before proceedings....."
"to prevent our recommending to our client that solicitors commence legal proceedings..."
"if agreement cannot be reached by 15/05/12, a claim may be issued by solicitors instructed to act on behalf of our client without further notice"
"please call us today and we will be happy to discuss a repayment programme....."

Should I send in dispute letter, is it time to involve FOS or for a DMP? Why from Moorcroft when Santander has said their agent is Westcot?

Niddy, could you advise please?

16/05/12 on Niddy's advice sent this
Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Thanks Niddy and All

23/05/12 Letter from Moorcroft
"Important Information - Possible Litigation - to prevent the above possible action please send payment or call immediately....if you do not contact us following receipt of this letter...may have no alternative but to recommend to our client that solicitors issue legal action..if successful in entering judgment then you debt may increase as follows..........
Neither we nor our client want court proceedings to be issued and it is still possible for you to avoid this by agreeing a repayment plan that you can afford and maintain"

30/05/12 Letter from Moorcrap "thank you for your letter requesting a copy of the credit agreement.....you must provide £1.00 fee for us to process your request...."

Ignore or answer? Thanks everyone

09/06/12 from MC "Monthly Instalment offer............failure to respond may leave us with no option but to recommend to our clients that they consider legal action....."

15/06/12 Followed In2Deep's kind advice and sent
Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

[bosdog]

Re: Newbie needs advice please Cahoot Flexiloan

UPDATE 21/06/12
September 2004 loan 10k @ 5.8% variable paid up to
June 2008 hit personal problems, last payment and showing 10k os
Head in sand

Heard nothing till
Jan 2011 Cahoot loan appeared on my Alliance and leicester current account statement ( now a Santander Statement) showing at £15k
Ignored

18/02/11 letter from Santander "we are writing to tell you about an internal admin error.......we may not have written to you with regards to arrears on your account" arrears £371 loan £15k
Ignored

17/03/11 From Santander "notice of missed payment"
Ignored

04/04/11 From Santander "second notice of missed payment"
Ignored

06/07/11 Default notice served areears £1911 to balance £16k

16/07/11 Sent cca to Santander

27/07/11 received cca from Cahoot
Niddy says enforceable

02/08/11 Letter from Debt Management & Recovery Services
"we have been instructed by Santander to recover arrears of £2.3k"
Ignored

09/08/11 SAR sent

08/09/11 received 2004-feb 2010 account sheets printed on un headed paper and 5 screen shots form Santader pc showing 2010-2011 account info
Ignored

08/10/11 intention to issue default letter from Santander call us to discuss payment options

14/10/11 called collections to discuss payment options was told that account should have defaulted earlier, outstanding amount needed to be re-calculated, would talk to line manager, no interest or action would be added/taken till sorted. Told to ring back in a few weeks

9/11/11 Default registered at CRA

12/11/11 letter confirming termination of account arrears 3.9k

05/12/11 letter received "westcot will be our agent and act on our behalf"

13/12/11 Sent Account in dispute due to phone conversation of 14/10 and that unfair interest had been applied to account

20/12/11 Letter from Santander "investigating complaint"

28/12/11 Letter from Nelson Guest, "instructed by Westcot.. offer a discount... call or offer rejected for full amount"
Ignored

18/01/12 Letter from Santander " still looking into.... need 4 more weeks"

18/01/12 Letter from Nelson Guest "7 days or legal action may be taken"

28/01/12 letter from westcot re doorstep collector

03/02/12 sent only communicate in writing letter

14/02/12 letter from santander, still investigating....now been 8 weeks since first contact

20/02/12 letter from Credit Security "instructed by client to recover outstanding debt..."

Ignore or respond?


21/02/12 Letter sent following Niddy's advice " I am in the middle of a dispute...

10/04/12 Received correspondence back from Santander after 4 months from dispute letter.
They have now agreed that they will refund all charges from 2008 (6k off total o/s!!) as they accept that they did not send me any account statements or contact me from 2008 to 2011, They do not accept that they have to credit anything due to the rate jacking over the period of the loan (many others have been re-funded for their rate increases) Therefore my registered default is not showing the right amount with experian. Should they have defaulted some time in 2008 rather than the end of 2011? I Have sent the letter to Niddy by pm and could do with further advice. This could be of interest to all flexiloan victims!

03/05/12 From Santander "I am writing to advise you that we will be referencing your account to our agent Wescot Credit....will be responsible for managing your account....all further communications should be addressed to them in the first instance...."

10/05/12 Received letter from Moorcroft : " We have been instructed by Santander to collect overdue debt... (showing new figure, see previous post )
"it is a legal requirement to send notice of intended litigation before proceedings....."
"to prevent our recommending to our client that solicitors commence legal proceedings..."
"if agreement cannot be reached by 15/05/12, a claim may be issued by solicitors instructed to act on behalf of our client without further notice"
"please call us today and we will be happy to discuss a repayment programme....."

Should I send in dispute letter, is it time to involve FOS or for a DMP? Why from Moorcroft when Santander has said their agent is Westcot?

Niddy, could you advise please?

16/05/12 on Niddy's advice sent this
Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Thanks Niddy and All

23/05/12 Letter from Moorcroft
"Important Information - Possible Litigation - to prevent the above possible action please send payment or call immediately....if you do not contact us following receipt of this letter...may have no alternative but to recommend to our client that solicitors issue legal action..if successful in entering judgment then you debt may increase as follows..........
Neither we nor our client want court proceedings to be issued and it is still possible for you to avoid this by agreeing a repayment plan that you can afford and maintain"

30/05/12 Letter from Moorcrap "thank you for your letter requesting a copy of the credit agreement.....you must provide £1.00 fee for us to process your request...."

Ignore or answer? Thanks everyone

09/06/12 from MC "Monthly Instalment offer............failure to respond may leave us with no option but to recommend to our clients that they consider legal action....."

15/06/12 Followed In2Deep's kind advice and sent
Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

21/06/12 From MC - Repeat of letter from 30/05/12 "thank you for your letter requesting a copy of the credit agreement.....you must provide £1.00 fee for us to process your request...."

Not sure of next move here

[Deepie]

Re: Newbie needs advice please Cahoot Flexiloan

UPDATE 21/06/12
September 2004 loan 10k @ 5.8% variable paid up to
June 2008 hit personal problems, last payment and showing 10k os
Head in sand

Heard nothing till
Jan 2011 Cahoot loan appeared on my Alliance and leicester current account statement ( now a Santander Statement) showing at £15k
Ignored

18/02/11 letter from Santander "we are writing to tell you about an internal admin error.......we may not have written to you with regards to arrears on your account" arrears £371 loan £15k
Ignored

17/03/11 From Santander "notice of missed payment"
Ignored

04/04/11 From Santander "second notice of missed payment"
Ignored

06/07/11 Default notice served areears £1911 to balance £16k

16/07/11 Sent cca to Santander

27/07/11 received cca from Cahoot
Niddy says enforceable

02/08/11 Letter from Debt Management & Recovery Services
"we have been instructed by Santander to recover arrears of £2.3k"
Ignored

09/08/11 SAR sent

08/09/11 received 2004-feb 2010 account sheets printed on un headed paper and 5 screen shots form Santader pc showing 2010-2011 account info
Ignored

08/10/11 intention to issue default letter from Santander call us to discuss payment options

14/10/11 called collections to discuss payment options was told that account should have defaulted earlier, outstanding amount needed to be re-calculated, would talk to line manager, no interest or action would be added/taken till sorted. Told to ring back in a few weeks

9/11/11 Default registered at CRA

12/11/11 letter confirming termination of account arrears 3.9k

05/12/11 letter received "westcot will be our agent and act on our behalf"

13/12/11 Sent Account in dispute due to phone conversation of 14/10 and that unfair interest had been applied to account

20/12/11 Letter from Santander "investigating complaint"

28/12/11 Letter from Nelson Guest, "instructed by Westcot.. offer a discount... call or offer rejected for full amount"
Ignored

18/01/12 Letter from Santander " still looking into.... need 4 more weeks"

18/01/12 Letter from Nelson Guest "7 days or legal action may be taken"

28/01/12 letter from westcot re doorstep collector

03/02/12 sent only communicate in writing letter

14/02/12 letter from santander, still investigating....now been 8 weeks since first contact

20/02/12 letter from Credit Security "instructed by client to recover outstanding debt..."

Ignore or respond?


21/02/12 Letter sent following Niddy's advice " I am in the middle of a dispute...

10/04/12 Received correspondence back from Santander after 4 months from dispute letter.
They have now agreed that they will refund all charges from 2008 (6k off total o/s!!) as they accept that they did not send me any account statements or contact me from 2008 to 2011, They do not accept that they have to credit anything due to the rate jacking over the period of the loan (many others have been re-funded for their rate increases) Therefore my registered default is not showing the right amount with experian. Should they have defaulted some time in 2008 rather than the end of 2011? I Have sent the letter to Niddy by pm and could do with further advice. This could be of interest to all flexiloan victims!

03/05/12 From Santander "I am writing to advise you that we will be referencing your account to our agent Wescot Credit....will be responsible for managing your account....all further communications should be addressed to them in the first instance...."

10/05/12 Received letter from Moorcroft : " We have been instructed by Santander to collect overdue debt... (showing new figure, see previous post )
"it is a legal requirement to send notice of intended litigation before proceedings....."
"to prevent our recommending to our client that solicitors commence legal proceedings..."
"if agreement cannot be reached by 15/05/12, a claim may be issued by solicitors instructed to act on behalf of our client without further notice"
"please call us today and we will be happy to discuss a repayment programme....."

Should I send in dispute letter, is it time to involve FOS or for a DMP? Why from Moorcroft when Santander has said their agent is Westcot?

Niddy, could you advise please?

16/05/12 on Niddy's advice sent this
Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Thanks Niddy and All

23/05/12 Letter from Moorcroft
"Important Information - Possible Litigation - to prevent the above possible action please send payment or call immediately....if you do not contact us following receipt of this letter...may have no alternative but to recommend to our client that solicitors issue legal action..if successful in entering judgment then you debt may increase as follows..........
Neither we nor our client want court proceedings to be issued and it is still possible for you to avoid this by agreeing a repayment plan that you can afford and maintain"

30/05/12 Letter from Moorcrap "thank you for your letter requesting a copy of the credit agreement.....you must provide £1.00 fee for us to process your request...."

Ignore or answer? Thanks everyone

09/06/12 from MC "Monthly Instalment offer............failure to respond may leave us with no option but to recommend to our clients that they consider legal action....."

15/06/12 Followed In2Deep's kind advice and sent
Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

21/06/12 From MC - Repeat of letter from 30/05/12 "thank you for your letter requesting a copy of the credit agreement.....you must provide £1.00 fee for us to process your request...."

Not sure of next move here

I Would send them a one liner saying I have proof CCA request was made on

[Never-In-Doubt]

Re: Newbie needs advice please Cahoot Flexiloan

Youve had the cca right?

So you send a missing PT's template cos you're blagging this (aren't you?)

[bosdog]

Re: Newbie needs advice please Cahoot Flexiloan

Will do
Thanks to All
Bos

[bosdog]

Re: Newbie needs advice please Cahoot Flexiloan

UPDATE 25/06/12September 2004 loan 10k @ 5.8% variable paid up to
June 2008 hit personal problems, last payment and showing 10k os
Head in sand

Heard nothing till
Jan 2011 Cahoot loan appeared on my Alliance and leicester current account statement ( now a Santander Statement) showing at £15k
Ignored

18/02/11 letter from Santander "we are writing to tell you about an internal admin error.......we may not have written to you with regards to arrears on your account" arrears £371 loan £15k
Ignored

17/03/11 From Santander "notice of missed payment"
Ignored

04/04/11 From Santander "second notice of missed payment"
Ignored

06/07/11 Default notice served areears £1911 to balance £16k

16/07/11 Sent cca to Santander

27/07/11 received cca from Cahoot
Niddy says enforceable

02/08/11 Letter from Debt Management & Recovery Services
"we have been instructed by Santander to recover arrears of £2.3k"
Ignored

09/08/11 SAR sent

08/09/11 received 2004-feb 2010 account sheets printed on un headed paper and 5 screen shots form Santader pc showing 2010-2011 account info
Ignored

08/10/11 intention to issue default letter from Santander call us to discuss payment options

14/10/11 called collections to discuss payment options was told that account should have defaulted earlier, outstanding amount needed to be re-calculated, would talk to line manager, no interest or action would be added/taken till sorted. Told to ring back in a few weeks

9/11/11 Default registered at CRA

12/11/11 letter confirming termination of account arrears 3.9k

05/12/11 letter received "westcot will be our agent and act on our behalf"

13/12/11 Sent Account in dispute due to phone conversation of 14/10 and that unfair interest had been applied to account

20/12/11 Letter from Santander "investigating complaint"

28/12/11 Letter from Nelson Guest, "instructed by Westcot.. offer a discount... call or offer rejected for full amount"
Ignored

18/01/12 Letter from Santander " still looking into.... need 4 more weeks"

18/01/12 Letter from Nelson Guest "7 days or legal action may be taken"

28/01/12 letter from westcot re doorstep collector

03/02/12 sent only communicate in writing letter

14/02/12 letter from santander, still investigating....now been 8 weeks since first contact

20/02/12 letter from Credit Security "instructed by client to recover outstanding debt..."

Ignore or respond?


21/02/12 Letter sent following Niddy's advice " I am in the middle of a dispute...

10/04/12 Received correspondence back from Santander after 4 months from dispute letter.
They have now agreed that they will refund all charges from 2008 (6k off total o/s!!) as they accept that they did not send me any account statements or contact me from 2008 to 2011, They do not accept that they have to credit anything due to the rate jacking over the period of the loan (many others have been re-funded for their rate increases) Therefore my registered default is not showing the right amount with experian. Should they have defaulted some time in 2008 rather than the end of 2011? I Have sent the letter to Niddy by pm and could do with further advice. This could be of interest to all flexiloan victims!

03/05/12 From Santander "I am writing to advise you that we will be referencing your account to our agent Wescot Credit....will be responsible for managing your account....all further communications should be addressed to them in the first instance...."

10/05/12 Received letter from Moorcroft : " We have been instructed by Santander to collect overdue debt... (showing new figure, see previous post )
"it is a legal requirement to send notice of intended litigation before proceedings....."
"to prevent our recommending to our client that solicitors commence legal proceedings..."
"if agreement cannot be reached by 15/05/12, a claim may be issued by solicitors instructed to act on behalf of our client without further notice"
"please call us today and we will be happy to discuss a repayment programme....."

Should I send in dispute letter, is it time to involve FOS or for a DMP? Why from Moorcroft when Santander has said their agent is Westcot?

Niddy, could you advise please?

16/05/12 on Niddy's advice sent this
Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Thanks Niddy and All

23/05/12 Letter from Moorcroft
"Important Information - Possible Litigation - to prevent the above possible action please send payment or call immediately....if you do not contact us following receipt of this letter...may have no alternative but to recommend to our client that solicitors issue legal action..if successful in entering judgment then you debt may increase as follows..........
Neither we nor our client want court proceedings to be issued and it is still possible for you to avoid this by agreeing a repayment plan that you can afford and maintain"

30/05/12 Letter from Moorcrap "thank you for your letter requesting a copy of the credit agreement.....you must provide £1.00 fee for us to process your request...."

Ignore or answer? Thanks everyone

09/06/12 from MC "Monthly Instalment offer............failure to respond may leave us with no option but to recommend to our clients that they consider legal action....."

15/06/12 Followed In2Deep's kind advice and sent
Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

21/06/12 From MC - Repeat of letter from 30/05/12 "thank you for your letter requesting a copy of the credit agreement.....you must provide £1.00 fee for us to process your request...."

25/06/12 was going to send "missing PT letter" today as advised by Niddy, however received this today from Midas Credit Services. LITIGATION WARNING We are part of Moorcroft Group and are aware you have failed to reach a repayment agreement with Moorcroft Debt Recovery....we are reviewing your account and may in due course recommend to our clients that they consider instructing solicitors.. to prevent further action you must contact Moorcroft Debt Recovery....

So, do I send missing pt as advised to Moorcroft still or do I send in dispute letter to Midas or letters to Both!!

[Never-In-Doubt]

Re: Newbie needs advice please Cahoot Flexiloan

Send sold in dispute to Midas with a copy of that plus the threat of litigation template to mc

So print two of each and send a copy of each to each Midas get the sold in dispute with copy of legal threat you're sending MC and MC get legal threat with copy of Midas sold in dispute.

[bosdog]

Re: Newbie needs advice please Cahoot Flexiloan

WOW ty Niddy

[bosdog]

Re: Newbie needs advice please Cahoot Flexiloan

UPDATE 04/07/12

Cahoot Flexiloan (started at 5.6% stopped at nearly 17% APR) had no contact at all for 2.5 years during which time no payments were made. Santander have admitted errors.

2004 loan 10k @ 5.8% variable paid up to
June 2008 hit personal problems, last payment and showing 10k os
Head in sand

Heard nothing till
Jan 2011 Cahoot loan appeared on my Alliance and leicester current account statement ( now a Santander Statement) showing at £15k
Ignored

18/02/11 letter from Santander "we are writing to tell you about an internal admin error.......we may not have written to you with regards to arrears on your account" arrears £371 loan £15k
Ignored

17/03/11 From Santander "notice of missed payment"
Ignored

04/04/11 From Santander "second notice of missed payment" (APR 16.6% at this point)
Ignored

06/07/11 Default notice served areears £1911 to balance £16k

16/07/11 Sent cca to Santander

27/07/11 received cca from Cahoot
Niddy says enforceable

02/08/11 Letter from Debt Management & Recovery Services
"we have been instructed by Santander to recover arrears of £2.3k"
Ignored

09/08/11 SAR sent

08/09/11 received 2004-feb 2010 account sheets printed on un headed paper and 5 screen shots form Santader pc showing 2010-2011 account info
Ignored

08/10/11 intention to issue default letter from Santander call us to discuss payment options

14/10/11 called collections to discuss payment options was told that account should have defaulted earlier, outstanding amount needed to be re-calculated, would talk to line manager, no interest or action would be added/taken till sorted. Told to ring back in a few weeks

9/11/11 Default registered at CRA

12/11/11 letter confirming termination of account arrears 3.9k

05/12/11 letter received "westcot will be our agent and act on our behalf"

13/12/11 Sent Account in dispute due to phone conversation of 14/10 and that unfair interest had been applied to account

20/12/11 Letter from Santander "investigating complaint"

28/12/11 Letter from Nelson Guest, "instructed by Westcot.. offer a discount... call or offer rejected for full amount"
Ignored

18/01/12 Letter from Santander " still looking into.... need 4 more weeks"

18/01/12 Letter from Nelson Guest "7 days or legal action may be taken"

28/01/12 letter from westcot re doorstep collector

03/02/12 sent only communicate in writing letter

14/02/12 letter from santander, still investigating....now been 8 weeks since first contact

20/02/12 letter from Credit Security "instructed by client to recover outstanding debt..."

Ignore or respond?


21/02/12 Letter sent following Niddy's advice " I am in the middle of a dispute...

10/04/12 Received correspondence back from Santander after 4 months from dispute letter.
They have now agreed that they will refund all charges from 2008 (6k off total o/s!!) as they accept that they did not send me any account statements or contact me from 2008 to 2011, They do not accept that they have to credit anything due to the rate jacking over the period of the loan (many others have been re-funded for their rate increases) Therefore my registered default is not showing the right amount with experian. Should they have defaulted some time in 2008 rather than the end of 2011? I Have sent the letter to Niddy by pm and could do with further advice. This could be of interest to all flexiloan victims!

03/05/12 From Santander "I am writing to advise you that we will be referencing your account to our agent Wescot Credit....will be responsible for managing your account....all further communications should be addressed to them in the first instance...."

10/05/12 Received letter from Moorcroft : " We have been instructed by Santander to collect overdue debt... (showing new figure, see previous post )
"it is a legal requirement to send notice of intended litigation before proceedings....."
"to prevent our recommending to our client that solicitors commence legal proceedings..."
"if agreement cannot be reached by 15/05/12, a claim may be issued by solicitors instructed to act on behalf of our client without further notice"
"please call us today and we will be happy to discuss a repayment programme....."

Should I send in dispute letter, is it time to involve FOS or for a DMP? Why from Moorcroft when Santander has said their agent is Westcot?

Niddy, could you advise please?

16/05/12 on Niddy's advice sent this
Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Thanks Niddy and All

23/05/12 Letter from Moorcroft
"Important Information - Possible Litigation - to prevent the above possible action please send payment or call immediately....if you do not contact us following receipt of this letter...may have no alternative but to recommend to our client that solicitors issue legal action..if successful in entering judgment then you debt may increase as follows..........
Neither we nor our client want court proceedings to be issued and it is still possible for you to avoid this by agreeing a repayment plan that you can afford and maintain"

30/05/12 Letter from Moorcrap "thank you for your letter requesting a copy of the credit agreement.....you must provide £1.00 fee for us to process your request...."

Ignore or answer? Thanks everyone

09/06/12 from MC "Monthly Instalment offer............failure to respond may leave us with no option but to recommend to our clients that they consider legal action....."

15/06/12 Followed In2Deep's kind advice and sent
Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

21/06/12 From MC - Repeat of letter from 30/05/12 "thank you for your letter requesting a copy of the credit agreement.....you must provide £1.00 fee for us to process your request...."

25/06/12 was going to send "missing PT letter" today as advised by Niddy, however received this today from Midas Credit Services. LITIGATION WARNING We are part of Moorcroft Group and are aware you have failed to reach a repayment agreement with Moorcroft Debt Recovery....we are reviewing your account and may in due course recommend to our clients that they consider instructing solicitors.. to prevent further action you must contact Moorcroft Debt Recovery...

26/06/12 Sent "sold in in dispute" letter to Midas with a copy of "threat of litigation" that at the same time is sent to MC
Sent "Threat of litigation" letter to MC with a copy of "sold in dispute" letter that is sent to Midas

02/07/12 Receive from MC "we acknowledge correspondence.......your account on hold whilst we investigate the matter with our client......."

[MrsD]

Re: Newbie needs advice please Cahoot Flexiloan

so just hang on and see what they come back with, this is usually how it works...........

[bosdog]

Re: Newbie needs advice please Cahoot Flexiloan

Hi All
Just a quick thought
Santander gave me their final response back on 10/04/12
I am still unhappy with the default date being 2011 not 2008 and also the fact they said I owed 15k + and that amount made it impossible for me to even attempt settling with them. They came back after defaulting me and reduced the amount back to 10k and changed the CRA records to show this. (see earlier post's)
The question is that I believe that I have 6 months from the 10/04/12 to get FOSS involved and am thinking that this may help to stall any action (giving me longer to raise capital) or maybe get Santa to reduce the amount further?

Also, as the account really should have defaulted way back in 2008 should the default have been registered in the name of the O/Creditor? - Not Santander, as this was prior to their takeover

thanks all
Bos

[bosdog]

Re: Newbie needs advice please Cahoot Flexiloan

Any thoughts, comments please
Bos

[MrsD]

Re: Newbie needs advice please Cahoot Flexiloan

they usually update the defaults to however owns at the time but they shouldn't change the date. Personally I would leave it until it's SB then deal with the default.