Oakfieldboy Diary

[nightwatch]

Halifax - Moorcroft


Letter from Moorcroft dated 07/08/2018 IMPORTANT INFORMATION-POSSIBLE FURTHER ACTION

To prevent possible further debt recovery action, please send your payment proposal before 14/08/18 or Telephone 01614752808 within the next seven days.

If you do not contact us following receipt of this letter we may have no alternative other than to recommend to our clients that they consider possible further debt recovery action against you.

Why do the put it in such big letters, it's not as if you can read it any louder.
Do they say what further action MAY be taken? no, just file and wait for the next instalment
NW

[oakfieldboy]

Halifax - Moorcroft


Letter from Moorcroft dated 07/08/2018 IMPORTANT INFORMATION-POSSIBLE FURTHER ACTION

To prevent possible further debt recovery action, please send your payment proposal before 14/08/18 or Telephone 01614752808 within the next seven days.

If you do not contact us following receipt of this letter we may have no alternative other than to recommend to our clients that they consider possible further debt recovery action against you.

[nightwatch]

Lloyds Bank Credit Card

- now Lowell

Letter from Robinson way dated 01/08/2018 Please contact us to make payment. We may be able to offer a reduction to the balance you owe to settle this account. To help you further you may even be able to pay the reduced balance by instalments you can afford.

They May offer a reduction, they may not, they may let you pay balance at a reduced rate by instalments, But is that the reduced (remaining) balance after you have paid the reduced sum in one go???
My letter from them in September 2017 offers me a reduction to pay only 33% of the amount owing but then says 'To make it even easier you can pay off the REMAINING balance in instalments'
so you have to be careful when you get these" we want to help "letters
As Warwick says just a letter to get you to engage with them, I would ignore for now,

NW

[Warwick65]

This is, I my opinion just a oy to try and get you to engage.
My thought is, at some point you will need to tell them the accou t is in dispute since Lloyd's failed to comply with your cca request - maybe not strictly true but Niddy says its unenforceable but there is no need to tell them that or what the mistakes are.

Diana Mayhew any other thoughts?

[oakfieldboy]

Lloyds Bank Credit Card

- now Lowell

Letter from Robinson way dated 01/08/2018 Please contact us to make payment. We may be able to offer a reduction to the balance you owe to settle this account. To help you further you may even be able to pay the reduced balance by instalments you can afford.

[nightwatch]

I would wait and see what they send next. They don't state what action they intend to take next ( if any)

[oakfieldboy]

Capital One - Lowell

Letter from Lowell dated 30/07/2018 We have not heard from you. What happens next? we want to help you clear your balance but if you do not contact us to arrange repayment we will take further action to recover this debt.

[oakfieldboy]

Hi Di

I have look though the SAR paperwork for the Capital one and Lloyds credit cards, there is no copy of a Default Notice or any mention of one being issued.

[Joanna Connolly Solicitors]

Is this your Capital One?

As Di said, there can be many reasons, Jo beat Lowell for me because there was no default notice. All it took was a good defence and WS , a fantastic barrister and me saying in court , and sticking to it, there was no DN. In my case I was alble to say, I had comprehensive records from that time, had reviewed them and there was definitely no Default Notice

This is true

Even if the debt purchaser produces a perfectly compliant credit agreement, they can still find themselves unable to enforce the debt in court if they haven't complied with all their other statutory obligations.

Di

[oakfieldboy]

Yes Niddy said

this was UE because it was delivered by a courier,

these couriers were not authorised to canvas off site nor were they authorised or regulated to answer any queries i may have had.

[Warwick65]

Hi
Yes I read back.

Am I right in thinking this was UE because it was delivered by a courier

If that is the case and they start giving you aggro then just a simple SWID and see what happens next.

[oakfieldboy]

Hi Warwick65 no it is my Halifax Loan from Post 15 it is not Statute Barred but I have stop paying.

[oakfieldboy]

Lloyds Bank Credit Card


Letter from Lloyds Bank dated 26/07/2018 Account has now been assigned to Lowell Portfolio 1 Ltd. from the 29/06/2018

Letter from Lowell dated 26/07/2018 this letter is intended to give you formal notice that your outstanding account with Lloyds Bank Plc was sold assigned Lowell Portfolio 1 Ltd. On the 29/06/2018 Lowell Portfolio 1 Ltd has instructed Lowell Financial Ltd to manage your account.

As you may be aware, Lloyds Bank Plc previously placed your account with Robinson Way. for your convenience, your account will remain with Robinson Way and any payment will be forwarded to Lowell and credited to your account.

[Warwick65]

Are you still paying this off or did you stop?

[oakfieldboy]

Halifax Loan

Letter from Moorcroft dated 27/07/2018

We have been instructed by Bank of Scotland to collect your overdue account.

The purpose of this letter is to ask you to contact us so that we can discuss the payment of this account. We offer a number of repayment methods which are listed on the back of this letter. We will always seek to agree with you a repayment plan that you can afford when payment in full is not possible.

To prevent us recommending to our client that further debt recovery action to be taken, it is essential that you contact us to discuss this account without delay. Payment should be submitted in full within 7 days.

We would draw your attention that our client has registered a default against your credit file in relation to this account. The default may effect your ability to obtain credit in the future.