Which Way to Go?

[Never-In-Doubt]

Re: Which Way to Go?

I'd have kept shtum. They're writing at an old address!!

However, you've now sent a CCA - and an LBA response (quick reply - just put your new address. No need to tell them anything other than the content of the template), haven't you? If so - fine. Wait for the claim.

[Still Waving]

Re: Which Way to Go?

do not let them get default judgment by using old address, pays to inform actual one.

Yes, I am using current address on any letters I am sending. Previous dca's have written to the correct address. Somehow this lot have cocked up all round on these accounts.

[The Tech Clerk]

Re: Which Way to Go?

do not let them get default judgment by using old address, pays to inform actual one.

[Still Waving]

Re: Which Way to Go?

New LBA Response - 2016 new short version to send stick to the routine on here no add ons?

Thanks TTC, though I think I should point out to them that they have been writing to an address which is years out of date.

[The Tech Clerk]

Re: Which Way to Go?

New LBA Response - 2016 new short version to send stick to the routine on here no add ons?

[Still Waving]

Re: Which Way to Go?

I have sent off a CCA74 request to Arrow's complaints dep't, including requiring them to stay further action by Shoosmiths, as it would be inappropriate in the circumstances.

I now want to send a LBA response to S'smiths. The long version doesn't fit the circumstances, so do you think that the version linked to in Niddy's post
http://forums.all-about-debt.co.uk/showthread.php?18936-Cabot&p=541854&viewfull=1#post541854

would be appropriate here?

[MrsD]

Re: Which Way to Go?

go for it!

[Still Waving]

Re: Which Way to Go?

I would get the CCA off quickly followed by the LBA response, I always believe in keeping hem talking...........................

Thanks MrsD.

Arrow's NoA did not contain their address. I see that they have a mailing address in Manchester, and also a complaints department in Farnborough. As their agent has been writing to an old address, there is an element of complaint involved, so I'm thinking the CCA74 request should be sent to that department?

It should get initially looked at quicker that way.

[nanna58]

Re: Which Way to Go?

Definitely x

[MrsD]

Re: Which Way to Go?

I would get the CCA off quickly followed by the LBA response, I always believe in keeping hem talking...........................

[Still Waving]

Re: Which Way to Go?

Hi folks - an update:

Credit card 1 MBNA. – Taken out early 90's
Balance approx. £12,000
Last full monthly repayment May 2010
DMP payments following that.
Last DMP payment May 2012.
Soldby MBNA to Idem Capital securities Ltd beginning 2012.// Sold by Idem to Arrow Global end 2015.


02/08/12 CCA request sent.
01/09/12 Idem sent copy application. Niddy says EN.
However -
12/09/12 Missing Prescribed Terms letter sent.
23/10/12 Idem letter - “We need to speak with you – please contact us ...” No other comments. Ignored.

(Snip) ------------
From Oct 2012 to Dec 2014, extensive correspondence from (variously) Idem/Arden Credit Management/Mackenzie Hall/Robinson Way. Batted them all away using various template letters.
(For full history, see post 378).
-------------------

Update:

After a year's silence -
Jan 2016 - Notice of Assignment received (sent to current address) “Arrow Global purchased your account from Idem securities … please contact Capquest Debt Recovery ...”
Feb & March '16 – Two letters from Capquest (sent to old address). - Ignored.
Aug '16 – Letter from Arrow (sent to old address) - “Change of Agency – Shoosmiths will be managing account on behalf of Arrow ...” - Filed.
Aug '16 – Letter from Shoosmiths (sent to old address) - Their client may be prepared to accept a lump sum payment less than the full amount in the short term. Alternatively, their client is prepared to consider instalments, conditional on completion of an I&E form. - Filed.
Sept '16 – Letter from Shoosmiths (sent to old address) – includes a paragraph essentially saying if I don't contact them they may be instructed to issue court proceedings which will include a claim for costs. If a judgment is obtained, they may be instructed to enforce, possibly with a charging order or a deduction from earnings order(I'm retired and don't own a property). . - Filed.
Sept '16 – Letter from Shoosmiths (sent to old address) – see attached thumbnail.




In view of - “We will not contact you again to warn you that the proceedings will be issued.” - should I take this as a LBA? If so, I think I should send a CCA request to Arrow, and a LBA response to S'smiths, including that it has just come to my attention that they have been writing to an old address? Alternatively, a CCA request to Arrow with a copy to S'smiths?


As the CCA documentation originally supplied in 2012 was not UE, I don't want to have a claim issued through inaction on my part, even though they have not been writing to the correct address.

Any comments please?

[Still Waving]

Re: Which Way to Go?

Hi Folks
Further to my recent posts:

Following the phishing letter from Shoosmiths sent to my old address, They have now sent two identical letters (to my old address) a couple of days apart, quoting the two account details and amounts which Arrow now own.

They say they are solicitors (get away) and have been instructed by Arrow to contact me to agree how the sum outstanding will be paid. They want me to contact them by phone (don't think so).

Their client may be prepared to accept a lump sum payment less than the full amount in the short term. Alternatively, their client is prepared to consider instalments, conditional on completion of an I&E form.

As they are writing to an address which is 4 years old - and there are no threats yet - I shall just file these.

Hi folks
Update:

Further letter from Shoe-sh*t (again sent to old address), regarding the lesser amount. They note they haven't heard from me and again ask me to phone them. Proposals - they may be able to accept less than the balance o/s in settlement, or alternatively to agree regular instalments.

Then a paragraph in boldface - essentially saying if I don't contact them they may be instructed to issue court proceedings which will include a claim for costs. If a judgment is obtained, they may be instructed to enforce, possibly with a charging order or a deduction from earnings order (I'm retired and don't own a property).

They finish by once more asking me to phone them.

Despite these threats, I don't think this is a LBA (unless anyone thinks differently) so I think I can file this one for the time being. No doubt I will receive an identical letter next week regarding the other account.

[Still Waving]

Re: Which Way to Go?

Hi again folks

Well today I received from Arrow - in respect of the other account they bought (£10k +) - a belated notification of Change of Agency, that Shoosmiths are managing the account from the beginning of August (bugger). This was also sent to my old address. I guess this is the one that the solicitors had written about. Chances are that they will also get the smaller account any time now.

Will wait for the solicitors to write to the correct address.

Hi Folks
Further to my recent posts:

Following the phishing letter from Shoosmiths sent to my old address, They have now sent two identical letters (to my old address) a couple of days apart, quoting the two account details and amounts which Arrow now own.

They say they are solicitors (get away) and have been instructed by Arrow to contact me to agree how the sum outstanding will be paid. They want me to contact them by phone (don't think so).

Their client may be prepared to accept a lump sum payment less than the full amount in the short term. Alternatively, their client is prepared to consider instalments, conditional on completion of an I&E form.

As they are writing to an address which is 4 years old - and there are no threats yet - I shall just file these.

[Still Waving]

Re: Which Way to Go?

Hi again folks

Well today I received from Arrow - in respect of the other account they bought (£10k +) - a belated notification of Change of Agency, that Shoosmiths are managing the account from the beginning of August (bugger). This was also sent to my old address. I guess this is the one that the solicitors had written about. Chances are that they will also get the smaller account any time now.

Will wait for the solicitors to write to the correct address.

[The Tech Clerk]

Re: Which Way to Go?

Thanks folks - I'll hold off sending the letter pro tem.

Off to the Loo are we? (Pro-tem)