Lovemoney UE Diary

[Mehim]

Re: Lovemoney UE Diary

Hello Lovemoney,

you are in good hands here. I arrived a month ago and already life is a hell of a lot better.

I stopped worrying the day after I arrived here and I have received loads of help and support.

I`m sure Niddy and his team will help sort out most if not all of your problems.

Chin up and go get them.

Mehim

[Lovemoney]

Re: Lovemoney UE Diary

Hello Lovemoney,

you are in good hands here. I arrived a month ago and already life is a hell of a lot better.

I stopped worrying the day after I arrived here and I have received loads of help and support.

I`m sure Niddy and his team will help sort out most if not all of your problems.

Chin up and go get them.

Mehim

Hi Mehim

Thanks...I certainly sure met loads of good supportive friends here, so far i already feel half of the presure lighter since I sign up here.

Once agains special Thanks to Niddy sort out my UE diary mess and thanks to you all supportive friends as well.

Lovemoney

[Lovemoney]

Re: Lovemoney UE Diary

MBNA (CREDIT CARD)
ACCOUNT SOLD TO DCA (LINK FINANCIAL)
STARTED: 28/8/2003
CURRENT BALANCE: £1574
DEFAULT BALANCE: £1617 (1/11/2006)

HISTORY

21/12/2006
received letter from LINK FINANCIAL saying is the current owner of the £1617.50 outstanding balance due from me under cca. MBNA has now assigned to LINK the outstanding balance due under the CCA. As a result of this assignment the full amount of the outstanding balance is due to us immediately. Any payment made by me be processed onto my Link Financial account.

7/2/2007
send in proposal, hardship difficulties & budget sheet.

17/4/2009
balance: £1600.50
replied saying best effort to assist me in repaying debt by instalments have shown minimal interest in reducing this balance. Failure to respond leave them with only a handful of options at this stage.

23/4/2009
send in proposal, hardship difficulties & budget sheet.

9/7/2009
sent cca request


16/7/2009
received Statement of account 1/10/08-15/7/09 from LINK FINANCIAL


23/7/2009
received letter from LINK FINANCIAL regards my request cca. They purchased debt from MBNA on 20/12/2006 do not always hold this cca have requested from MBNA advised that can take up to 30 days to provide.

28/8/2009
received letter from LINK FINANCIAL with enclosed signed credit agreement1974(Emailed Niddy).


7/2/2011
received Statement of account 29/7/10-5/2/11 from LINK FINANCIAL


18/2/2011
received letter from LINK FINANCIAL request increase £5 payment below this axcept in extreme financial difficulty, alternatively send proof along rent statement so can continue to accept reduced payment.


6/3/2011
send in proposal, hardship difficulties & budget sheet.


5/8/2010
received Statement of account 17/1/10-28/7/10 from LINK FINANCIAL


8/8/2011
received Statement of account 6/2/11-7/8/11 from LINK FINANCIAL


9/2/2012
received Statement of account 8/2/12-8/2/12 from LINK FINANCIAL


21/3/2012
Niddy confirmed

26/3/2012
sent off MPT letter.

16/3/2012
received REMINDER NOTICE-YOUR PAYMENT IS OVERDUE.
the payment £1 was due on 25/4/12 & as such yr repayment plan is in arrears. If the sum shown below is not made immnediately then the plan will be cancelled and the full outstanding balance of £1565.50 will be due. should contact an Account Officer to make this payment by Debit or Credit Card today.
TOTAL NOW PAYABLE £1.00.

8/6/2012
received letters from LINK have recently cancelled the agreement to repay this sum in regular instalments because you failed to make these payments on the agreed schedule, may have occurred through a change in your circumstances or simply an oversight on yr part, however it is important that we get this a/c back on track. Contact and speak to an a/c officer to clear any arrears and reset payment plan or to indicate why you can no longer meet yr plan.


11/6/2012
Harassment by Telephone template send.

18/6/2012
received a reply from LINK thank you for yr letter dated...we confirm that we shall remove yr contact telephone no on the a/c on the proviso you enter into proper dialogue regarding settlement of yr outstanding a/c. The a/c is in arrears as you have made no payments on the a/c since 20/3/12. Please confirm yr payment proposal by return. If have any questions or queries in relation to this letter feel free to contact xxxx.

24/8/2012 BALANCE £1565.50
received letter from LINK (#406) this is final notification that any agreement you had with LINK to repay yr debt has been cancelled for non payment. Without further reference to yoou we will immediately commence recovery of the full sum by one the following options & will be held liable for any & all the our costs associated with collection:1. Yr data will be passed to our internal Asset Investigation Dept. 2. Yr a/c will be approved for recovery by way of a Judgement/Decree secured in yr local Court. 3. This debt will be transferred to a Debt Collection Agent who may call at you home. It is unfortunate that we have not been able to resolve this amicably with you. As always our team of Account Officers are available XXXXXXX should you wish to discuss this matter.

28/8/2012
CCA Query - Creditor Refusal to Accept UE Status sent.

3/9/2012
letter from LINK received today(5/9/12). Please find enclosed the documents (copy of application form with separate unsigned credit agreement regulated by the Consumer Credit Act 1974 term and conditions, they send previously which Niddy confirmed UE) you have requested from LINK outsourcing. If you have any additional queries relating to this documentation pls do not hesitate to contact us. Where this request was made under Section 77or78 of the CCA 2006 this document fulfils our obligations.

7/9/2012
CCA Query - Application Form Received sent.

15/9/2012
letter from LINK (dated 13/9/12) received. (refer #427)

17/9/2012
Threat by Creditor - Threat-o-Gram Letter Before Action sent. (Advised #429)

19/10/2012
letter from LINK (dated 17/10/12). Re: Link -&- Yourself...in acknowledgemenet of yr correspondence 5/9/12 & 16/9/12 respectively. Point out that you already been provided with a copy of the executed CCA & should you dispute that it is in fact an executed CCA or that it is not compliant with the regulations in place at the time it was incepted, you should take independent legal advice.
Yr correspondence of 5/9/12 will be treated as a further S78 CCA 1974 request & we will therefore provide a further S78 CCA 1974 response together with a full response setting out why the Agreement is enforceable.
We would make it clear that we do not intend thereafter to enter into protracted correspondence regarding the enforceability of the Credit Agreement & in the event that you continue to withold repayment of yr indebtedness 14days after receipt of the S78 response, we will refer the matter to the Court, being the appropriate forum to determine enforceability, without further reference to you. Your faithfully, (Defence & Resolutions, Litigation Department Tel 00000000000000)

23/10/2012
one liner referring to my letter on XX/XX/XXXX, with a copy of Threatogram letter...sent by recorded.

29/10/2012
Letter from LINK received today (31/10/12). Please find enclosed the documents (same as previously they send which Niddy redeemed UE) you have requested....If you have any additional queries relating to this documentation pls do not hesitate to contact us. Where this request was made under Section 77 or 78 of the CCA 2006 this document fulfils our obligations.

5/11/2012
Our Templates | Unenforceability Templates | CCA Query - Application Form Received SENT. (Refer #495)

10/12/2013
Statement of A/C received. Period: 10/8/12 to 4/12/13 balance: £1565.50.

13/1/2014
Letter from Link received today (15/1/14). NOTIFICATION OF ACCOUNT TRANSFER TO AGENT you have failed to reach an agreement with us regarding of this current outstanding debt. Unless you contact us within next 7 days, we will instruct InstantSilver to take over the management of this a/c. If you wish to prevent this, pls contact us XXXXXXXX. No doubt this will be given yr urgent attention.

11/2/2014
Letter from InstantSilver received. You currently owe Link £1565.50, we know that being in debt can be very stressful with to many telephone calls, agent visits and collection letters. At InstantSilver will set you up with a repayment schedule that we give you an upfront discount of 25% = £1174.13 , a single mnthly payment £24.46 term 48 & o% interest. Even better you will receive no calls, collections letters and no visits from today. Simply conplete the D/Debit form or Standing order indicating.

25/2/2014
Letter from InstantSilver received today (27/2/14). Act now! Please don't miss out on this offer! A discount of 25% & 48 mnthly payments to get debt free. If you do not maintain these payments then the a/c will be returned to the Link collections team. Yr discount will be removed & the full balance will again be due minus any payments you made.If you have any difficulties in making a payment pls call.

10/03/2014
Templates | Unenforceability Templates | Account Sold whilst in Dispute sent by recorded. *Refer #818

13/6/2014
Letter from Link received. We write further to you to confirm that we've made a commercial decision to cease recovery action on the a/c & the matter is now closed.

[Lovemoney]

Re: Need Advice

Continue paying the £1 token payments for now, does no harm and please request the CCA ---> Our Templates | Unenforceability Templates | CCA Request

9/7/09 I sent letter to robinson,way & co request cca, they send me a copy blur vision signed card application form. At them same time I sent a copy to equidebt as well on 1/10/11 than I got respond with a copy of signed card application form (but funny thing going on here some details been crossed and added). Would you like me to PM you the copy.

[MrsD]

Re: Lovemoney UE Diary

send what you have to Niddy

[Lovemoney]

Re: Need Advice

I presume you are not paying into this? If not, and it's been quiet since 2009 then ignore this for the moment, if they do start to hassle you then send off the CCA Request: ---> Our Templates | Unenforceability Templates | CCA Request

Rest of the letters with free debt advice counseller. And got ccj order to pay £50, £1 token payment accepted.

[Lovemoney]

Re: Lovemoney UE Diary

send what you have to Niddy

opps! am i causing a trouble here...sorry!

[MrsD]

Re: Lovemoney UE Diary

no its fine, but if you have CCA documentation, Niddy needs to see it so we can determine what template you should be sending, and he can usually tell whether its UE or not............

[Lovemoney]

Re: Lovemoney UE Diary

no its fine, but if you have CCA documentation, Niddy needs to see it so we can determine what template you should be sending, and he can usually tell whether its UE or not............

oh! such a relief...yes i have some sort of cca documents( some with my personal details). should i post here or pm niddy what is the best suggestion please.

[Never-In-Doubt]

Re: Lovemoney UE Diary

email me agreements@all-about-debt.co.uk

[MrsD]

Re: Lovemoney UE Diary

there is an email CCA on Niddy's signature, if you send your documents via that/
Don' blank out any personal details as Niddy needs to see the whole document, you can trust him, he's seen everybody else's!

Send each one on a seperate email, make sure your user name is on the title so that he knows where its come from

and hey, we haven't bit anyone in ages, relax, you'll be fine.....and you are in very good hands here

see he's bloody super, got there before me!!

[Never-In-Doubt]

Re: Lovemoney UE Diary

email me agreements@all-about-debt.co.uk

in case you missed it

[Lovemoney]

Re: Lovemoney UE Diary

Hi Niddy when i sent CCA request, is that ok sent with cheque.

[Never-In-Doubt]

Re: Lovemoney UE Diary

Hi Niddy when i sent CCA request, is that ok sent with cheque.

yes but sign the cheque differently - it won't be checked by the bank but make sure you don't sign it in your usual signature....

[Lovemoney]

Re: Lovemoney UE Diary

there is an email CCA on Niddy's signature, if you send your documents via that/
Don' blank out any personal details as Niddy needs to see the whole document, you can trust him, he's seen everybody else's!

Send each one on a seperate email, make sure your user name is on the title so that he knows where its come from

and hey, we haven't bit anyone in ages, relax, you'll be fine.....and you are in very good hands here

see he's bloody super, got there before me!!

Thanks....He is a real genius