Which Way to Go?

[MrsD]

Re: Which Way to Go?

I would be tempted to do a one liner referring them to your CCA request, they are getting a little ahead of themselves here..............

[Still Waving]

Re: Which Way to Go?

I would be tempted to do a one liner referring them to your CCA request, they are getting a little ahead of themselves here..............

Thanks MrsD. That's what I'll do, saving the template letters for later on.

[Still Waving]

Re: Which Way to Go?

Hi. Another update -

Credit card 3 Bank of Scotland. – Taken out early 90's
Balance approx. £13,200
Last full monthly repayment May 2010
DMP payments since then.
Last DMP payment May 2012.
Being administered by Blair Oliver Scott

2/8/12 CCA letter sent.
14/8/12 date of BoS response – Niddy says Unenforceable.
20/8/12 date of letter from Blair Oliver Scott “Contact us within 5 days, or else.”.
28/8/12 Missing Prescribed Terms letter sent to BoS.
29/8/12 Account in Dispute/Harassment & Threat of Doorstep Visit letter sent to Blair O.S.
4/9/12 received letter dated 28/8/12 from Blair O.S. - "Notice of Intended Court Action. Sum claimed due by 4/9/12."


Do I ignore this latest letter for the time being, given that it has probably crossed with my most recent letters to both BoS and Blair?

I have today received a letter from Bank of Scotland (dated 22 May 2012) in response to my Missing Prescribed Terms letter of 28/08/12.

This is looking like something of a result, although the positive bits are hedged about with all sorts of caveats. Is it the done thing to upload the whole letter here (minus the personal details, of course)?

[Deepie]

Re: Which Way to Go?

Hi. Another update -

Credit card 3 Bank of Scotland. – Taken out early 90's
Balance approx. £13,200
Last full monthly repayment May 2010
DMP payments since then.
Last DMP payment May 2012.
Being administered by Blair Oliver Scott




I have today received a letter from Bank of Scotland (dated 22 May 2012) in response to my Missing Prescribed Terms letter of 28/08/12.

This is looking like something of a result, although the positive bits are hedged about with all sorts of caveats. Is it the done thing to upload the whole letter here (minus the personal details, of course)?

Send to Niddy for a look----> agreements@all-about-debt.co.uk

[oscar]

Re: Which Way to Go?

I am confused how you can recieve a letter dated 22/05/12 in response to a letter dated 28/0812.

[The Tech Clerk]

Re: Which Way to Go?

I am confused how you can recieve a letter dated 22/05/12 in response to a letter dated 28/0812.

Not HSBC is it? sounds familiar.

[Still Waving]

Re: Which Way to Go?

I am confused how you can recieve a letter dated 22/05/12 in response to a letter dated 28/0812.

Makes you wonder, doesn't it, me too, and everybody else probably.

[Still Waving]

Re: Which Way to Go?

Send to Niddy for a look----> agreements@all-about-debt.co.uk

Thanks in 2 deep - sending to Niddy now.

[Still Waving]

Re: Which Way to Go?

Hi - an update.

Credit card 3 Bank of Scotland. – Taken out early 90's
Balance approx. £13,200
Last full monthly repayment May 2010
DMP payments since then.
Last DMP payment May 2012.
Being administered by Blair Oliver Scott

2/8/12 CCA letter sent.
14/8/12 date of BoS response – Niddy says Unenforceable.
20/8/12 date of letter from Blair Oliver Scott “Contact us within 5 days, or else.”.
28/8/12 Missing Prescribed Terms letter sent to BoS.
29/8/12 Account in Dispute/Harassment & Threat of Doorstep Visit letter sent to Blair O.S.
4/9/12 received letter dated 28/8/12 from Blair O.S. - "Notice of Intended Court Action. Sum claimed due by 4/9/12."

15/9/12 Letter from Bank of Scotland (dated 22 May 2012) in response to my Missing Prescribed Terms letter of 28/08/12. They said that as they cannot produce the original T&Cs they will not seek to enforce, however even if an agreement is unenforceable it is not void and they will continue with normal collections activities.

Letter dated 19/9/12 from BoS Credit Operations Rosyth (but with a Salford return address) "We have arranged for Robinson Way to collect the outstanding amount."
Letter dated 24/9/12 from Robinson Way, Salford - "Important... do not ignore. If you do not agree a payment plan with us we may advise our client to start court action. .......... This account may continue to be a worry for you ........ Unpaid debts don't just go away."
25/9/12. Voicemail message from Rob-Way - "Contact us."

Any suggestions as to how I should respond to Rob-Way? A Template letter, or ignore for the time being?

Many thanks

[Still Waving]

Re: Which Way to Go?

Hi - Another update.

Bank overdraft account LLoydsTSB – originally TSB Moneyplan a/c opened approx early 80's
Balance approx. £2140
Last full monthly repayment May 2010
DMP payments since then.
Last DMP payment May 2012.
Being administered by SCM Solicitors for bank.

This is not really an overdraft account, it was a TSB Moneyplan (revolving credit) account allowing up to 30 times the monthly transfer from the current account. I have not so far sent a CCA request in respect of this account.

Letters dated 12/9/12 From LloydsTSB and Apex Credit Management in the same envelope. Apex have been instructed to arrange collection of the outstanding amount. I note that the letters are referring to this as a current account, which it is most definitely not.
18/9/12 - voicemail message from Apex - "Contact us."

I'm thinking I should now send the standard CCA request template to Apex, at the same time pointing out that this is not a current account.

Any thoughts on this please? Many thanks.

[SXGuy]

Re: Which Way to Go?

Hi - an update.

15/9/12 Letter from Bank of Scotland (dated 22 May 2012) in response to my Missing Prescribed Terms letter of 28/08/12. They said that as they cannot produce the original T&Cs they will not seek to enforce, however even if an agreement is unenforceable it is not void and they will continue with normal collections activities.

Letter dated 19/9/12 from BoS Credit Operations Rosyth (but with a Salford return address) "We have arranged for Robinson Way to collect the outstanding amount."
Letter dated 24/9/12 from Robinson Way, Salford - "Important... do not ignore. If you do not agree a payment plan with us we may advise our client to start court action. .......... This account may continue to be a worry for you ........ Unpaid debts don't just go away."
25/9/12. Voicemail message from Rob-Way - "Contact us."

Any suggestions as to how I should respond to Rob-Way? A Template letter, or ignore for the time being?

Many thanks

Send rob way account sold whilst in dispute and include a copy of the letter confirming they cant enforce the debt.

[vint1954]

Re: Which Way to Go?

Hi - an update.

15/9/12 Letter from Bank of Scotland (dated 22 May 2012) in response to my Missing Prescribed Terms letter of 28/08/12. They said that as they cannot produce the original T&Cs they will not seek to enforce, however even if an agreement is unenforceable it is not void and they will continue with normal collections activities.

Letter dated 19/9/12 from BoS Credit Operations Rosyth (but with a Salford return address) "We have arranged for Robinson Way to collect the outstanding amount."
Letter dated 24/9/12 from Robinson Way, Salford - "Important... do not ignore. If you do not agree a payment plan with us we may advise our client to start court action. .......... This account may continue to be a worry for you ........ Unpaid debts don't just go away."
25/9/12. Voicemail message from Rob-Way - "Contact us."

Any suggestions as to how I should respond to Rob-Way? A Template letter, or ignore for the time being?

Many thanks

As Robway are collecting on behalf of the OC, just send them a one liner, enclosing a coby of BOS letter stating they wont enforce.

Also, send the telephone harrassment letter.

[vint1954]

Re: Which Way to Go?

Hi - Another update.



This is not really an overdraft account, it was a TSB Moneyplan (revolving credit) account allowing up to 30 times the monthly transfer from the current account. I have not so far sent a CCA request in respect of this account.

Letters dated 12/9/12 From LloydsTSB and Apex Credit Management in the same envelope. Apex have been instructed to arrange collection of the outstanding amount. I note that the letters are referring to this as a current account, which it is most definitely not.
18/9/12 - voicemail message from Apex - "Contact us."

I'm thinking I should now send the standard CCA request template to Apex, at the same time pointing out that this is not a current account.

Any thoughts on this please? Many thanks.

Indeed, if it is revolving credit then send the standard CCA request letter, not the overdraft one.

Also, send the telephone harrassment letter.

[Still Waving]

Re: Which Way to Go?

Thanks for the replies folks.

Regarding Bank of Scotland -

As Robway are collecting on behalf of the OC, just send them a one liner, enclosing a coby of BOS letter stating they wont enforce.

Also, send the telephone harrassment letter.

I will send those tomorrow.


Regarding LloydsTSB -

Indeed, if it is revolving credit then send the standard CCA request letter, not the overdraft one.

Also, send the telephone harrassment letter.

I will send those tomorrow too.

(Recorded delivery of course).

[vint1954]

Re: Which Way to Go?

Thanks for the replies folks.

Regarding Bank of Scotland -



I will send those tomorrow.


Regarding LloydsTSB -



I will send those tomorrow too.

(Recorded delivery of course).

Well done. Keep the receipts.