HELP! disabled with so much debt

[joshing]

Re: HELP! disabled with so much debt

Type of account (credit card/loan) CAPITAL ONE CARD
Date commenced (ideally before Apr 2007) 08/01/04

Approx balance £2144

Date last paid (approximate date you last made a FULL payment ) 27/03/13

Are you on arrangement or not paying NOT PAYING

Status (default/in arrears/up-to-date) DEFAULT

Account owner (who is writing to you, a DCA or the lender) FREDRICKSON INTERNATIONAL




Finally able to start these diaries, going to take me a while but doing it in order of what I think are the biggest threat. Niddy said this one was enforcible so need to know what to do next on this one.

1/5/13 Notice of sum arrears
5/5/13 statement of default
14/5/13 letter from cougar
21/5/13 cca requested
22/5/13 cougar letter time to pay?
29/5/13 power to contact letter home visit
5/6/13 doorstep letter sent
12/6/13 credit solutions? reply to doorstep letter account held 21 days
1/7/13 cougar final warning letter
22/8/13 cca received
22/8/13 sent to niddy ...ENFORCIBLE
3/9/13 letter from cap one passing to fredrickson
10/9/13 letter from fredrickson pay now
4/9/13 missing prescribed terms letter sent to fredricksons
25/09/13 letter received from fredrickson ..letter before action (is being considered) as an after thought on the letter.






Hope iv done this right, can I just ask what else I can do if the missing prescribed terms letter dont hold them off?

[joshing]

Re: HELP! disabled with so much debt

Type of account (credit card/loan) VANQUIS CARD
Date commenced (ideally before Apr 2007) ?? SOMETIME IN 2005

Approx balance £2800

Date last paid (approximate date you last made a FULL payment ) 03/13

Are you on arrangement or not paying NOT PAYING

Status (default/in arrears/up-to-date) DEFAULT

Account owner (who is writing to you, a DCA or the lender LEWIS GROUP





17/05 & 19/06/13 IMPACT LETTER BROKEN PAYMENT ARRANGEMENT
21/05/13 CCA REQUESTED
4/7/13 VANQUISH NOTICE OF DEFAULT
30/8/13 LEWIS GROUP INSTRUCTION TO COLLECT
9/9/13 LEWIS GROUP THREAT TO FURTHER COLLECTION ATIVITY

20/09/13 SOLD IN DISPUTE LETTER SENT

[Pixie]

Re: HELP! disabled with so much debt

Hope iv done this right, can I just ask what else I can do if the missing prescribed terms letter dont hold them off?

If it doesn't hold them off then you make a F&F offer or come to an arrangement to pay but let's just cross that bridge when we come to it. Let us know what you get back from Fredrickson's (remember - they'll insist it's enforceable, you'll insist it isn't )

[joshing]

Re: HELP! disabled with so much debt

HELP this keeps logging me out and i have to keep redoing... its taking ages to log everything and then wont post keep loosing all notes...what am i doing wrong

[joshing]

Re: HELP! disabled with so much debt

lloyds card Date commenced - ??2005
Approx balance - £2500
Date last full payment - NOT SURE SOMETIME EARLY 2012
Are you on arrangement or not paying - NOT PAYING BUT WAS TILL MARCH ON PAYMENT ARRANGEMENT
Status - DEFAULT
Account owner WESTCOT

21/05/13 CCA REQUESTED
30/05/13 LLOYDS SENT CCA
SENT TO NIDDY ADVISED TO SENT MISSING P&T
03/07/13 LETTER FROM LLOYDS RE SAR REQUEST? NOT ASKED FOR
ONE LINER SENT NO SAR REQUESTED JUST CCA.
22/07/13 FROM HALIFAX???? REQUEST FOR DETAILS ADDRESS ACCOUNT NUMBER NAME AND DATE OF BIRTH.. IN ORDER TO ACTION REQUEST.
25/08/13 FINAL NOTICE FROM WESTCOT
04/09/13 LETTER FROM WESTCOT HOLDING ACTION
11/09/13 LETTER FROM WESTCOT SAYING LLOYDS HAVE NO RECORD OF REQUEST NEED ORIGINAL LETTER.
WTF WAS ALL THE SHITE PAPERS I GOT THEN?????
WHAT DO I DO NOW???

[Deepie]

Re: HELP! disabled with so much debt

HELP this keeps logging me out and i have to keep redoing... its taking ages to log everything and then wont post keep loosing all notes...what am i doing wrong

Try clicking the little box to the right of your user name and password, when you log on....

[joshing]

Re: HELP! disabled with so much debt

MARKS AND SPENCERS CHARGECARD/ STORECARD
Date commenced -1987
Approx balance - 2500
Date last full payment - 04/04/13
Are you on arrangement or not paying - NOT PAYING
Status - ? THEY ARE ADDING INTEREST
Account owner PLR THINK ITS JUST MARKS LEGAL TEAM

FROM 05/06/13 15/06 LETTERS REQUESTING PAYMENT
CCA REQUESTED
26/06/13 CCA RECEIVED
SENT TO NIDDY ADVISED TO SEND MISSING P& T LETTER
29/06/13 DEFAULT SUMS LETTER RECEIVED
01/07/13 LETTERDEMANDING I CONTACT THEM
02/08/13 DEFAULT NOTICE SERVED CHARGED £12
23/08/13FINAL DEMAND RECEIVED
26/08/13 OBLIGED BY LAW LETTER STATUTORY ARREARS NOTICE
10/07/13 LETTER RECIVED IF YOU ALLEDGE THAT THE AGREEMENT YOU SIGNED DID NOT COMPLY WITH REQUIREMENTS OF ACT 1974 THE WE ASK YOU PROVIDE FULL AND SUFFICIENT DETAILS TO SUPPORT THE ALLEGATION
iIIGNORED THIS PERHAPS I SHOULD HAVE ASKED NIDDY FOR A REPLY
31/08/13 STATUTORY DEFAULT ANOTHER £12
02/09/13 LETTER TO SAY PLR WILL BE IN TOUCH.
03/09/13 LETTER FROM PLR DEMANDING PAYMENT
17/09/13 LETTER FROM PLR THREAT OF LEGAL ACTION ..CHARGING ORDER, ATTACHMENT OF EARNINGS A WARRANT OF EXECUTION.
NEED A ANSWER FOR THIS LETTER PLEASE SOUNDS SERIOUS.!!!!!!!

[Pixie]

Re: HELP! disabled with so much debt

11/09/13 LETTER FROM WESTCOT SAYING LLOYDS HAVE NO RECORD OF REQUEST NEED ORIGINAL LETTER.
WTF WAS ALL THE SHITE PAPERS I GOT THEN?????
WHAT DO I DO NOW???

Are Westcot saying they need the original letter you sent to Lloyds (obviously you haven't got it because you sent it) or the letter you received from Lloyds?

MARKS AND SPENCERS CHARGECARD/ STORECARD
Date commenced -1987
Approx balance - 2500
Date last full payment - 04/04/13
Are you on arrangement or not paying - NOT PAYING
Status - ? THEY ARE ADDING INTEREST
Account owner PLR THINK ITS JUST MARKS LEGAL TEAM

FROM 05/06/13 15/06 LETTERS REQUESTING PAYMENT
CCA REQUESTED
26/06/13 CCA RECEIVED
SENT TO NIDDY ADVISED TO SEND MISSING P& T LETTER
29/06/13 DEFAULT SUMS LETTER RECEIVED
01/07/13 LETTERDEMANDING I CONTACT THEM
02/08/13 DEFAULT NOTICE SERVED CHARGED £12
23/08/13FINAL DEMAND RECEIVED
26/08/13 OBLIGED BY LAW LETTER STATUTORY ARREARS NOTICE
10/07/13 LETTER RECIVED IF YOU ALLEDGE THAT THE AGREEMENT YOU SIGNED DID NOT COMPLY WITH REQUIREMENTS OF ACT 1974 THE WE ASK YOU PROVIDE FULL AND SUFFICIENT DETAILS TO SUPPORT THE ALLEGATION
iIIGNORED THIS PERHAPS I SHOULD HAVE ASKED NIDDY FOR A REPLY
31/08/13 STATUTORY DEFAULT ANOTHER £12
02/09/13 LETTER TO SAY PLR WILL BE IN TOUCH.
03/09/13 LETTER FROM PLR DEMANDING PAYMENT
17/09/13 LETTER FROM PLR THREAT OF LEGAL ACTION ..CHARGING ORDER, ATTACHMENT OF EARNINGS A WARRANT OF EXECUTION.
NEED A ANSWER FOR THIS LETTER PLEASE SOUNDS SERIOUS.!!!!!!!

What exactly does the letter say? Does it say they may take legal action or that they will? In my opinion it's just scare tactics. I've had loads of letters listing all those possibilities BUT they can only carry out any of them IF they get a ccj against you first and IF you then default on the ccj and IF a court orders it.

[joshing]

Re: HELP! disabled with so much debt

Are Westcot saying they need the original letter you sent to Lloyds (obviously you haven't got it because you sent it) or the letter you received from Lloyds?

A copy of the original letter... but we have received a form of cca so how can they say they have not received a request............................


What exactly does the letter say? Does it say they may take legal action or that they will? In my opinion it's just scare tactics. I've had loads of letters listing all those possibilities BUT they can only carry out any of them IF they get a ccj against you first and IF you then default on the ccj and IF a court orders it.

Another letter received today letter before action. legal action is now being considered.

[Pixie]

Re: HELP! disabled with so much debt

Another letter received today letter before action. legal action is now being considered.

Is this for the LloydsTSB account? If so, I would send http://www.all-about-debt.co.uk/old/...-before-action

Saying they haven't had the original cca request seems to be LTSB's latest thing as I've received a similar letter today about my LTSB account.

[joshing]

Re: HELP! disabled with so much debt

Is this for the LloydsTSB account? If so, I would send http://www.all-about-debt.co.uk/old/...-before-action

Saying they haven't had the original cca request seems to be LTSB's latest thing as I've received a similar letter today about my LTSB account.

Yes its the lloyds I will take your advice of course and send the letter. Makes me laugh how they can deny receiving it as I have their reply sitting in front of me. It was sent ages ago to Niddy to look at.

[joshing]

Re: HELP! disabled with so much debt

MARKS AND SPENCERS CHARGECARD/ STORECARD
Date commenced -1987
Approx balance - 2500
Date last full payment - 04/04/13
Are you on arrangement or not paying - NOT PAYING
Status - ? THEY ARE ADDING INTEREST
Account owner PLR THINK ITS JUST MARKS LEGAL TEAM

FROM 05/06/13 15/06 LETTERS REQUESTING PAYMENT
CCA REQUESTED
26/06/13 CCA RECEIVED
SENT TO NIDDY ADVISED TO SEND MISSING P& T LETTER
29/06/13 DEFAULT SUMS LETTER RECEIVED
01/07/13 LETTERDEMANDING I CONTACT THEM
02/08/13 DEFAULT NOTICE SERVED CHARGED £12
23/08/13FINAL DEMAND RECEIVED
26/08/13 OBLIGED BY LAW LETTER STATUTORY ARREARS NOTICE
10/07/13 LETTER RECIVED IF YOU ALLEDGE THAT THE AGREEMENT YOU SIGNED DID NOT COMPLY WITH REQUIREMENTS OF ACT 1974 THE WE ASK YOU PROVIDE FULL AND SUFFICIENT DETAILS TO SUPPORT THE ALLEGATION
iIIGNORED THIS PERHAPS I SHOULD HAVE ASKED NIDDY FOR A REPLY
31/08/13 STATUTORY DEFAULT ANOTHER £12
02/09/13 LETTER TO SAY PLR WILL BE IN TOUCH.
03/09/13 LETTER FROM PLR DEMANDING PAYMENT
17/09/13 LETTER FROM PLR THREAT OF LEGAL ACTION ..CHARGING ORDER, ATTACHMENT OF EARNINGS A WARRANT OF EXECUTION.
NEED A ANSWER FOR THIS LETTER PLEASE SOUNDS SERIOUS.!!!!!!!



These keep ringing and ringing I actually just held the phone silently and they kept saying its no good ignoring us Ms .......... this really wont help. Anything I can send these please... Im packing to move so must try and do it before I sidetracked.

[Pixie]

Re: HELP! disabled with so much debt

MARKS AND SPENCERS CHARGECARD/ STORECARD
Date commenced -1987
Approx balance - 2500
Date last full payment - 04/04/13
Are you on arrangement or not paying - NOT PAYING
Status - ? THEY ARE ADDING INTEREST
Account owner PLR THINK ITS JUST MARKS LEGAL TEAM

FROM 05/06/13 15/06 LETTERS REQUESTING PAYMENT
CCA REQUESTED
26/06/13 CCA RECEIVED
SENT TO NIDDY ADVISED TO SEND MISSING P& T LETTER
29/06/13 DEFAULT SUMS LETTER RECEIVED
01/07/13 LETTERDEMANDING I CONTACT THEM
02/08/13 DEFAULT NOTICE SERVED CHARGED £12
23/08/13FINAL DEMAND RECEIVED
26/08/13 OBLIGED BY LAW LETTER STATUTORY ARREARS NOTICE
10/07/13 LETTER RECIVED IF YOU ALLEDGE THAT THE AGREEMENT YOU SIGNED DID NOT COMPLY WITH REQUIREMENTS OF ACT 1974 THE WE ASK YOU PROVIDE FULL AND SUFFICIENT DETAILS TO SUPPORT THE ALLEGATION
iIIGNORED THIS PERHAPS I SHOULD HAVE ASKED NIDDY FOR A REPLY
31/08/13 STATUTORY DEFAULT ANOTHER £12
02/09/13 LETTER TO SAY PLR WILL BE IN TOUCH.
03/09/13 LETTER FROM PLR DEMANDING PAYMENT
17/09/13 LETTER FROM PLR THREAT OF LEGAL ACTION ..CHARGING ORDER, ATTACHMENT OF EARNINGS A WARRANT OF EXECUTION.
NEED A ANSWER FOR THIS LETTER PLEASE SOUNDS SERIOUS.!!!!!!!



These keep ringing and ringing I actually just held the phone silently and they kept saying its no good ignoring us Ms .......... this really wont help. Anything I can send these please... Im packing to move so must try and do it before I sidetracked.

Is the letter headed "Letter Before Action?"

Like I said before, I've received letters with all manner of threats similar to these. They're usually just an attempt to scare you.

Yes its the lloyds I will take your advice of course and send the letter. Makes me laugh how they can deny receiving it as I have their reply sitting in front of me. It was sent ages ago to Niddy to look at.

Exactly! I've just written a very sarcastic letter to the dca.

[joshing]

Re: HELP! disabled with so much debt

Originally Posted by jillyiant
Type of account (credit card/loan) CAPITAL ONE CARD
Date commenced (ideally before Apr 2007) 08/01/04

Approx balance £2144

Date last paid (approximate date you last made a FULL payment ) 27/03/13

Are you on arrangement or not paying NOT PAYING

Status (default/in arrears/up-to-date) DEFAULT

Account owner (who is writing to you, a DCA or the lender) FREDRICKSON INTERNATIONAL




Finally able to start these diaries, going to take me a while but doing it in order of what I think are the biggest threat. Niddy said this one was enforcible so need to know what to do next on this one.





1/5/13 Notice of sum arrears
5/5/13 statement of default
14/5/13 letter from cougar
21/5/13 cca requested
22/5/13 cougar letter time to pay?
29/5/13 power to contact letter home visit
5/6/13 doorstep letter sent
12/6/13 credit solutions? reply to doorstep letter account held 21 days
1/7/13 cougar final warning letter
22/8/13 cca received
22/8/13 sent to niddy ...ENFORCIBLE
3/9/13 letter from cap one passing to fredrickson
10/9/13 letter from fredrickson pay now
4/9/13 missing prescribed terms letter sent to fredricksons
25/09/13 letter received from fredrickson ..letter before action (is being considered) as an after thought on the letter.

Received this letter from freds today.

Any advice on my next move please
This is the letter received from Bryan Carter ???? Do I make an offer

[Pixie]

Re: HELP! disabled with so much debt

"Collection activity" doesn't mean that they're going to commence legal action. I would be sending http://www.all-about-debt.co.uk/old/...cept-ue-status