Lovemoney UE Diary

[Lovemoney]

Re: Lovemoney UE Diary

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....

how about other bank detail does it method?

[Never-In-Doubt]

Re: Lovemoney UE Diary

how about other bank detail does it method?

In English?

[Lovemoney]

Re: Lovemoney UE Diary

In English?

what do you expect...foreigner!
I meant other details on the cheque.

[Never-In-Doubt]

Re: Lovemoney UE Diary

what do you expect...foreigner!
I meant other details on the cheque.

I am a foreigner too (well Scottish)

However don't worry about the details, they are not relevant and cannot be used by the bank in the way suggested, just change the signature slightly so it's definitely not how you'd normally sign and enough that you could prove it if it suddently appears on the agreement - even draw a line through it or something....

[Lovemoney]

Re: Need Advice

I do hope you have not sent back the defence or anything as we may be able to assist with Paul (preferred solicitors) - please clarify if you still have the N9 or if you've sent it back and if so, what did you say?

Have you ever had the CCA documents sent through for this?

I send back the defence form in dec(just before xmas). Last week I received a letter from court saying been transfer to my local court. I said in the form explained my hardship difficulties etc only can offer £1 payment. What should I do now! further suggestion needed please

[Mehim]

Re: Lovemoney UE Diary

LOL Scots are gods children with no accent, everyone else is a foreigner with an accent lol

[Lovemoney]

Re: Lovemoney UE Diary

LOL Scots are gods children with no accent, everyone else is a foreigner with an accent lol

like me uk resident with the foreing accent

[Never-In-Doubt]

Re: Lovemoney UE Diary

I'm at a real loss as to how we can help you LoveMoney. I am getting your PM's but you're missing the underlying objective, transparency.

We simply cannot provide any assistance on half-cooked measures of information, for instance I would never forgive myself if what we suggested made you get a CCJ or worse and until you list all the debts then you need to continue dealing with the DMP as matter of course.

The thing is, it is pointless dealing with half or even some debts - get them all listed! You must know roughly what accounts you have/had etc to be able to draw up a list? I don't want all the info as a diary but just a list of the creditors, the approx balances and what the current status is - as a lot of these have a CCJ so you can't now play UE catch-up, sorry that trains departed already.

I really think you ought to consider more formal action to allow a clean brak and if that means selling up then so be it, in any case I think you will be forced to make a decision sooner than later based on the number of CCJ's against you.

Sorry, but that is the cold hard truth. If I was you, or certainly in your position I would strongly suggest more formal help such as an IVA or even BR. I am not saying that's what you ought to do, but it is what I would do if I was in your boat.

Take this message how you want but its meant with the greatest of respect so please consider what it is I am saying to you.

[Lovemoney]

Re: Lovemoney UE Diary

I'm at a real loss as to how we can help you LoveMoney. I am getting your PM's but you're missing the underlying objective, transparency.

We simply cannot provide any assistance on half-cooked measures of information, for instance I would never forgive myself if what we suggested made you get a CCJ or worse and until you list all the debts then you need to continue dealing with the DMP as matter of course.

The thing is, it is pointless dealing with half or even some debts - get them all listed! You must know roughly what accounts you have/had etc to be able to draw up a list? I don't want all the info as a diary but just a list of the creditors, the approx balances and what the current status is - as a lot of these have a CCJ so you can't now play UE catch-up, sorry that trains departed already.

I really think you ought to consider more formal action to allow a clean brak and if that means selling up then so be it, in any case I think you will be forced to make a decision sooner than later based on the number of CCJ's against you.

Sorry, but that is the cold hard truth. If I was you, or certainly in your position I would strongly suggest more formal help such as an IVA or even BR. I am not saying that's what you ought to do, but it is what I would do if I was in your boat.

Take this message how you want but its meant with the greatest of respect so please consider what it is I am saying to you.

Niddy please don't give up yet, if I try to provide more information can you carry on helping me please

[Never-In-Doubt]

Re: Lovemoney UE Diary

I never give up

I'm just asking for a full picture so it'll help try and sort things. We have a solicitor firm that we refer to (a mod here) we also have a licenced dmp specialist here (a mod) and a wealth of real life stories so collectively we can help get you on the right path. Pointless killing half a bird, tell us the lot and we'll try and help you kill all 3 birds (ue debts/legal matters/dmp matters)!

Get it ALL under control and you'll feel a huge weight lifted. Leave bits out and one mistake can ruin all the other hard work and effort.

[Lovemoney]

Re: Lovemoney UE Diary

I never give up

I'm just asking for a full picture so it'll help try and sort things. We have a solicitor firm that we refer to (a mod here) we also have a licenced dmp specialist here (a mod) and a wealth of real life stories so collectively we can help get you on the right path. Pointless killing half a bird, tell us the lot and we'll try and help you kill all 3 birds (ue debts/legal matters/dmp matters)!

Get it ALL under control and you'll feel a huge weight lifted. Leave bits out and one mistake can ruin all the other hard work and effort.

Thank you so much, you are really life safer I really appreciate it.

[Lovemoney]

Re: Lovemoney UE Diary

Hi Niddy please forgive my ignorance here, can you advise me what sort of further information I can provide you to help me please.

[Never-In-Doubt]

Re: Lovemoney UE Diary

I'm waiting for you to get info back off cap next week (remember?)...

[Lovemoney]

Re: Lovemoney UE Diary

I'm waiting for you to get info back off cap next week (remember?)...

Ok sure...thanks

[Lovemoney]

Re: Lovemoney UE Diary

TESCO (CREDIT CARD)
DEFAULTED
HUSBANDS

HISTORY

14/1/2008 BALANCE £3439.73
received letter saying failed to comply with agreement, unless make regular repaments no alternative hands of external dcas without prior warning.

24/6/2009
received monthly statement balance £3416.73.

31/7/2009
repayment arrangement due for review proposals for increasing the mnthly repayments.

30/9/2010
repayment arrangement due for review proposals for increasing the mnthly repayments.

15/10/2010
send in proposal, hardship difficulties & budget sheet

31/1/2011
repayment arrangement due for review proposals for increasing the mnthly repayments.

17/3/2011
request 1 out of 5 documentation listed from letter for full review.

12/5/2011
send in list of creditors & balance outstanding.

27/5/2011
received letter saying prepared to accept £1 p/m for period of 6months full review needed interest will not charged.

28/5/2011
received monthly statement balance £3393.73.

30/11/2011
repayment arrangement due for review proposals for increasing the mnthly repayments.

28/1/2012
received monthly statement balance £3385.73.

28/2/2012
received monthly statement balance £3384.73.


26/3/2012
CCA request sent.

2/5/2012
received response obliged to provide you with a 'true' copy of the CCA & most recent available statement to the a/c with amounts and due dates of future payments that still require to be made. In terms of CCA copy doc regulations, the 'true' copy requirement can be satisfied by providing a copy agreement at the date the card agreeement was made and plus a copy of the current terms of the card agreement. Records show that there is still an outstanding balance on the a/c is currently being managed by Financial Hardships Team, therefore contact them directly to obtain details of the required repayments to settle the a/c. I can confirm that yr a/c has not been sold. Emailed Niddy.


4/5/2012
Niddy says THANKS will be sending MPT letter.
4/5/2012
MPT letter sent.

1/6/2012
received response from Tesco Data Protection Act 1998. We enclose copy information held by Tesco Bank is provided under the term of the above Act and was located using the information contained within your request. Emailed Niddy.

29/1/2013
Letter from Tesco Banks received today (1/2/13). Important-you must take action-call us today on XXXXXXX Despite previous correspondence & our repeated attempts to try & reach an arrangement with you regarding the above debt, it still remains outstanding. We will shortly have no alternative but to seek the assistance of a Debt Collection Agency or, if appropriate, commence legal proceedings against you for recovery of the debt.
What you need to do You have one final opportunity to make an acceptable offer of repayment. You must do this within the next 7 days.
Are you in financial difficulties? Contact us immediately if, due to financial difficulties or a change in circumstances, you can't pay the full debt within the next 7 days. There is no need to panic. Call XXXXXXXXXX to speak to one of our experienced advisors. They will listen sympathetically & help you think about yr options. We have helped losts of people in yr situation in the past.

4/2/2013
Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received) sent by recorded. refer #636

11/2/2013 BALANCE £3381.73
Letter from Allied International Credit (AIC) received today (16/2/13). The a/c noted above has been assigned to us from our Client, TESCO BANK with regards to the non payment of the outstanding balance. We are unaware of any reason for the non payment & we encourage you to contact our office immediately to resolve the outstanding matter in a timely manner. If you have already made payment to this a/c pls contact us with the payment details. Alternatively, if you are experiencing financial difficulaty pls call us as we are happy to discuss yr situation & how we can help resolve. refer # 654 &655

19/2/2013
Templates | Unenforceability Templates | Account Sold whilst in Dispute sent by recorded.

19/8/2013
Letter from Tesco Banks received. We write to advise that due to yr failure to agree or maintain repayments towards yr debt, have decided to pass the management of yr a/c to one of our Debt Collection Agencies called Robinson Way. They will attempt to contact you within next 10 days, to discussing yr individual circumstances. Their aim is to establish an affordable & sustainable repayment arrangement with you.

24/8/2013
Letter from Robinson Way received. This is about yr unpaid a/c. We are authorised to negotiate repayment of the a/c with you. Pay this in full to us, agree an affordable payment plan with us. If you fail to pay, and neglect to deal with this a/c, it may mean; *You ability to obtain credit including mortgages may be affected. *Our local doorstep collection agent is asked to visit you to agree a payment plan. *This a/c may continue to be a worry for you - we can help you deal with it. Immediate payment can be made by card. Our collection agents are waiting for your call, if you prefer. You can deal with this a/c online at XXXXXXXXXX.

6/9/2013
Letter from Robinson Way received today (9/9/13). We understand that in these difficult times it can be a struggle maintaining payments to yr a/c. You may have made a previous repayment offer that was declined, we want to help you by agreeing an affordable arrangement based on yr individual circumstances. We have a range of payment solutions available that we can tailor to yr situation so pls contact us discuss the best way forward or if you prefer not to speak to one of our collection agents you can deal online or email. refer #760...

16/9/2013
Account Sold whilst in Dispute - allaboutDEBT UK sent by recorded.

18/9/2013
Letter from Robinson Way received. We understand in difficult times how worrying it can be to work out how to pay overdue a/c. Our aim is to help you clear up this long outstanding problem a/c, once & for all. We may allow yr a/c to be paid by affordable instalments of just £30 a month. Call us now or.......

23/9/2013
Letter from Robinson Way received today (25/9/13). Thank you for yr recent contact. Pls forward the fee of £1 to enable us to respond to yr request under the CCA. We have held yr a/c for 14 days to enable you to forward this. After this time collection activity will resume on yr a/c. refer #781

4/10/2013
Reply with....With regard to your letter dated 23/9/2013. I would like to point out that I am not requesting a CCA but that you refer this a/c back to your Client.

17/10/2013
Letter from Robinson Way received. We have noted the dispute/query you have raised. We will make the necessary enquiries & let you know the outcome in due course. In the meantime we will stop all collection activity for this a/c.

21/10/2013
Letter from Robinson Way received. Further to your recent contact with our office. Pls see enclosed our client letter dated 26/4/12 with the details yr requested. We therefore now request yr payment proposal within the next fourteen days.

28/10/2013
http://www.all-about-debt.co.uk/old/...e-cca-received sent. (refer #800)

8/11/2013
Letter from Robinson Way received. We refer to yr a/c, which will no longer be managed by this office. All future payments & correspondence should be sent to our client directly. If you were paying us by SO pls cancel that instruction.

23/02/2014
Notice of debt collection from Wescot received (27/2/2014). We have been instructed by our client (TESCO) to collect the outstanding balance £3381.73 on their behalf. Pls contact us asap failure to do so will result in further action by Wescot to recover the outstanding balance.

5/03/2014
REMINDER NOTICE from Wescot received. Our latest enquiries have now confirmed that you are still resident at this address but we have not received a reply to our previous correspondence. Unless you contact us to agree repayment £3XXX.XX within the next 10 days, further debt recovery activity will be taken to recover the full outstanding. Pls do not ignore this letter as this could result in furter action being taken to recover the debt. It is very important that you take urgent action to resolve this issue,. You can do this by contacting us 7 days a wk, writing to us or making a payment via our website.

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

15/03/2014
Reduced settlement offer letter from Wescot received (19/3/2014). As a final attempt to avoid further action.our client as agreed tat we can offer you a discount to settle yr a/c. This offer is only available for a limited period so you should contact us urgently to agree a suitable settlement or the offer will be withdrawn & further action will continue to recover the full outstanding. If you're unable to take advantage of this offer we will still consider a realistic repayment plan. Unless a suitable arrangement plan is reached within 10days of the date of this letter, further recovery action will be taken. Refer #831&#832

19/3/2014
Letter from Wescot received today (21/3/2014). Recent contact with regard that you've raised a dispute on this a/c & would like to confirm to you how this will be investigated. WHAT WILL HAPPEN? We'll not make contact with you regarding collection of the outstanding balance whilst this issue is being investigated. If you're already making repayments towards this balance via payment methods will continue to be paid unless cancel. However, we may need to contact you if we require further details or need to clarify any information as part of this investigation. Be advised that as we'll also need to contact our client, this process may take several wks. Upon concluding our investigation, will contact you again to advise you of the outcome & next steps.

23/3/2014
Letter from Wescot received today (26/3/2014). Where you raised a dispute on the a/c. We can confirm that yr a/c remains on hold whilst we await further information from our client, will be in touch with you in due course.