Announcement

**Lovemoney** · 12 May 2013, 16:04

Re: Lovemoney UE Diary

Originally posted by Lovemoney View Post

FIRST DIRECT (CREDIT CARD & JOINT CURRENT A/C) CCJ
STARTED: 23/6/2003
CREDIT LIMIT: £8190
CURRENT BALANCE: SETTLED (showed in CR)
SETTLED ON: 6/8/2006
27/6/2006 BALANCE: £8334.49
JOINT CHEQUE A/C: £1366.74 (opened on 23/10/1997 & defaulted 10/8/2006)
SOLE VISA(wife): £6967.75
TOTAL: £8334.49
27/6/2006
received 1. Final Demand £8334.49 2. Final Demand £21526.70(£1366.74+£20159.96) will have further interest added on the same basis as presentl applied the date of full repayment. 7 days to repay in full or proposals for repayment by instalments enclosed Financial Statement. If fail to comply with demand DEBT COLLECTORS or SOLICITORS will be instructed.
26/7/2006
send in proposal, hardship difficulties & budget sheet.
16/5/2007
HSBC(original creditor) Assigness Vertex Data Science Ltd.
11/10/2007
received letter from First Revenue Assurance(assgnd. to Vertex) debt collection saying following a review circumstances able to offer a substantial reduction on outstanding balance(offer is only available for 72hrs).
7/1/2008 Balance: £1365.74
received Statutory Demand from Vertex(document signed by Solicitor's clerk to the petitioner) under section268(1)(a) of the Insolvency 1986. Debt Liquidated Sum Payable immediately. Demand WARNING: refer to the notes entitled "how to comply with statutory demand or have it set aside". If wish set aside within 18 days otherwise deal with this demand as set out in the notes within 21 days after service, could be made bankrupt and yr property and goods taken away from you. read carefully any doubt should seek advice immediately from Solicitor or CAB.
21/1/2008
received court claim form £8137.10+court fee£190+Solicitor's costs£100=£8427.10.
13/2/2008
received letter from Lees Lloyd Whitley Solicitors refer to statutory demand and enclosed Financial Questionnair to complete, signature return within 7 days, also confirm in writing within 7 days that agree to give their client a Voluntary Charge over property to secure the debt.
19/2/2008
received Judgement for Claimant(after determination) £8429.09 by instatments of £1p/m first payment 27/3/08 and on or before this date each month until the debt has been paid.
11/4/2008
received letter from Lee Lloyd Whitley contact within 14 days for reduction settlement offer.
26/6/2008 Balance: £1365.74
received Debt Notification from Wescot Credit Services Ltd on behalf of Vertex. If failed to contact by 10/7/08 take legal action.
30/7/2008 Balance: £1365.74
received letter from Nelson Guest & Partners Solicitors instructed by Wescot on behalf Vertex in connection with sum outstanding £1365.74 payment made within 7days, legal proceedings without further notice.
18/8/2008
send in proposal, hardship difficulties & budget sheet.

18/8/2008 Balance: £1365.74
received letter from Wescot confirmation of £1 p/m repayment agreement. First payment due 2/9/08 final repayment 7/2124 and final repayment amount £0.74. *NOT charge interest or other charges.
3/3/2009

9/7/2009
cca request sent
21/8/2009
Mortimer Clarke Solicitors reply have requested a copy cca with statement of a/c upon receipt will forward to me.
1/9/2009
Received letter from LRC (legal Recoveries & Collections Ltd) saying all future correspondence sent directly to the client: Phoenix Recoveries S.a.r.l.
2/9/2009
Received letter from Wescot regard the enquiry (husband) raised will investigated
WHAT WAS THE OUTCOME?
confirm a consequence of the query raised, a/c has been returned to client.
WHAT DOES THIS MEAN?
have closed the debt on computer system and returned to client.
No further action will be taken by Wescot to recover a/c
21/10/2009 Balance: £7464.03
Original a/c: HSBC
Agreement Date: 7/8/06.
received statement 1/10/08-20/10/09 from Phoenix Recoveries.
17/2/2010 Balance: £7456.03
received Notice of change of solicitor from Mortimer Clarke saying a/c been assigned to Phoenix Recoveries all payments made to Mortimer Clarke on behalf of Phoenix Recoveries.
2/7/2010 Balance: £7443.03

UPDATE...
7/5/2013 Balance: £8361.09
Letter from MORTIMER CLARKE SOLICITORS We are pleased to announce that our client has selected you to receive a £20XX.XX discount on the amount they owe. This is a big saving. You could get yr credit file marked as satisfied & start planning a new future. Don't delay will only be valid for next 14 days.

The balance on 21/10/10 showed £7434.03 and now it's 7/5/2013 £8361.09 I was wondering if anybody had any ideas with this would be.

**Lovemoney** · 13 May 2013, 18:09

Re: Need Advice

Originally posted by Lovemoney View Post

TESCO (CREDIT CARD)
STARTED: 17/6/2005
CREDIT LIMIT: £1750
CURRENT BALANCE: £1703
DEFAULT BALANCE: £1771.00 (10/07/2006)
HISTORY

20/2/2012
cca request sent
26/3/2012
received cca request returned because the letter unsigned and require signature then can proceed(letter stamp received 7/3/12). Payment arrangement plan for review request proposals for increasing the mnthly repayments. CCA request resent.
4/5/2012
CCA received emailed to Niddy. Niddy says

THANKS

will be sending MPT letter.
4/5/2012
MPT letter sent.
30/1/2013 BALANCE: £1700.16
Letter from Tesco Bank received today (1/2/13). You must pay yr credit card balance now. You have been issued with a Termination Notice on yr Tesco Bank credit card & yr a/c has been passed to our Recoveries team. To avoid any further action, pls make a payment now.
How to pay
Debit Card - call us on XXXXXXXXXXX
Cheque - send the cheque to Credit Card Recoveries.....
Need help?
If you cannot make this payment right away, you must call us immediately on XXXXXXX.
4/2/2013
Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received) sent by recorded.
18/2/2013
Letter from Tesco Bank received today (21/2/13). You still haven't paid yr credit card balance, But it's not too late. We recently wrote to you, remninding you to repay the amount due on yr a/c. However, you still haven't made a payment or agreed a repayment plan. What hapens now? As you have not made any payments, we will consinder taking further action. This could mean passing yr a/c to an external Debt Collection Agency, who will contact you & may visit yr home to collect the debt in person. Depending onb the amnount you owe, it could also include legal action against you to get the money back. However, we would much rather agree a more satisfactory arrangement with you. Pls call us. What you need to do It's vital that you take immediated action to pay the amount owed to avoid further action. You can make yr payment by: XXXXXXXXXXXXXXXX. We prefer not to take this action, but if we do not hear from you we have no alternative. Pls contact us immediately on xxxxxxx to discuss repayment of yr debt. (refer #664 see what they do next)
28/2/2013
Letter from Tesco Bank received today (4/3/13). We are considering legal action to recover your debt Despite writing to you several times, you have still not paid off yr credit card balance or made a repayment arrangement with us. We are now considering commencing court proceedings against you to recover this debt. What this could mean A County Court Judgment could be granted against you. This is likely to affect your ability to obtain credit in the future. You may also be liable for court costs. If we obtain a judgement & you still don't pay we may ask the court to enforce the debt against you. This could mean: *A legal document being served on yr employer which forces them to regularly take an amount of money from yr wage to pay yr outstanding debt to us (this depends on the number of hrs you work) *If you are a homeowner, we may ask the court for a charging order over yr home. If we have a charging order & yr home is sold (through repossession or for any other reason), we may look to any available sale proceeds to help pay the sums you owe to us. We would prefer come to an arrangement with you to settle this debt. Pls call ua immediately on XXXXXXXXX to discuss a repayment plan. Line are open XXXXXXXXX. refer #676
6/3/2013
Resend a photocopy Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received) with a cover note saying I am concerned that you are threatening legal action when you have failed to reply re problems with the agreement you supplied, outlined in my letter of 4/2/2013, a copy of which is enclosed. By recorded.
19/3/2013
Letter from Tesco Bank received today (22/3/13) Further action to recover yr debt Due to the absence of an acceptable repayment arrangement & despite several attempts to contact you to discuss this matter, we will shortly commence further action against you to recover the debt. This is likely to mean passing yr a/c to an external Debt Collection Agency, who will contact you & may visit yr home to collect the debt in person. Depending on the amount you owe, it could also include legal action against you to get the money back. However, we would much rather agree a more satisfactory arrangement with you. Pls call us urgently. Act immediately & stop further action - make a payment now You have 1 final opportunity to make a payment. Pls act now. You can pay by: XXXXXXXXXX. What happens if you don't pay If you don't make a payment or agree to a repayment plan within 7 days, we will commence further action against you. Need help? If you need to discuss yr situation, pls call us XXXXXXXXXXX. refer #686
8/4/2013
Letter from Tesco Bank received today (10/4/13) Important-you must take action-call us today on XXXXXXXXXXXXX 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. Call us on XXXXXXXXXXX to pay. Lines are open XXXXXXXX. Are you in financial difficulties? Contact us immediately if, due to financial difficulties or a change in circumstances, you cannot pay the full debt within the next 7 days. There is no need to panic. Call XXXXXXXto speak to one of our experienced advisors. They will listen sympathetically & help you think about yr options. We have helped lots of people in yr situation in the past. refer #697
26/4/2013
Letter from Wescot received (29/4/13) We have been instructed by our client (Tesco Bank) to collect the outstanding balance £xxxx.xx on their behalf. Pls contact us asap as failure to do so will result in further recovery action.
30/4/2013
Templates | Unenforceability Templates | Account Sold whilst in Dispute sent by recorded. refer #720

UPDATE...

8/5/2013
Letter from Wescot received today (13/5/2013). We acknowledge that you have raised a query on this a/c & we would like to confirm to you how this will be investigated. WHAT WILL HAPPEN? We will suspend all collections activity on the above a/c whilst the matter is under investigation. This means that we will not write to you, or telephone ou in pursuit of the a/c whilst it is being investigated. However, we may need to contact you if we require further details or wish to clarify any information that you have provided to us. As our investigation of yr query will require us to contact our client, this process may be take several wks. We would appreciate yr patient during this time. Upon concluding our investigation, we will contact you again. WHAT CAN YOU DO? If further information to help us investigate or resolve the query can be provided, we would be grateful. If you wish to contact us to discuss the matter.

Filed...

**Lovemoney** · 18 May 2013, 16:41

Re: Lovemoney UE Diary

Originally posted by Lovemoney View Post

LLOYDS TSB (OVERDRAFT)
JOINT CURRENT ACCOUNT
STARTED: 1/6/2006
DEFAULT BALANCE: £1092.00 (14/12/06)
CURRENT BALANCE: £1067.00 (7/12/08)
ACCOUNT SOLD TO DCA APPEX CREDIT MANAGEMENT/DEBT MANAGERS
26/3/12
Overdraft CCA request sent. Received annual statement 29/3/11-29/3/12.
29/3/12
received letter from Debt Managers saying 11/1/08 the a/c was passed to them for collection have not purchased the a/c, DML work in good faith under the instruction of Lloyds. Have referred to Lloyds for the information requested once is to hand will contact me again, in the meantime the a/c has been placed on hold.
19/4/12
Further to previous response, LTSB have advised that unable to provide a copy of agreement. An annual statement was sent to you on 28/3/12 direct from our client also once an a/c enters recoveries all interest & charges are stopped. Confirm repayment arrangement of £1 pm remains in place. The enclosed FOS leaflet provides details how to complain within the next 6 mnths, if you feel we have not assisted you in resolving this matter. Emailed to Niddy *refer #148
9/7/12
Letter received from Russel + Aitken...as you have failed to comply with the repayment made between you & Debt Managers, despite yr acknowledgement of liability for the a/c. We write to advise that we have received instructions to consider immediate Court Action. We are sure that you will wish to avoid this action bearing in mind the Solicitors fees & costs & the fact that yr credit rating may be seriously affected. You have a final opportunity to contact Debt Managers to avoid the action referred to. You may telephone....
17/10/12
We both received letter from...
LTSB (24/10/12)...Writing to notify you that LTSB has assigned all of its respective rights, title & interest in respect of the a/c(including the outstanding balance) to Prime Credit 1 s.a.r.l, effective 3/8/12. The total balance sold was £1026.39, any payments made towards yr a/c after 3/8/12 will be forwarded to Apex Credit Management & will be deducted from the balance. Under the terms of this assignment, & as defined in the DPA 1998. Debt Managers will continue to manage yr a/c & it is essential that all future payments & correspondence regarding this a/c continue to be directed to Debt Managers.
APEX...Write to inform you that LTSB has now assigned to Prime Credit 1 s.a.r.l. Your personal data will be processed for the purposes of the proper execution, follow up & enforcement of the agreement related to yr a/c. Pls note Prime Credit may, in line with standard industru practice, communicate yr data to third parties for the same purposes, including (but not limited to) Credit Reference Bureaux. Though the Bank has transferred the outstanding balance on yr a/c to Prime, you can still contact the Bank in relation to any complaints you have about the time when they held yr a/c. Apex has been appointed by Prime to manage yr a/c. However we wish to confirm that the repayment arrangement you have with Debt Managers will continue & you should continue to make payments in line with yr existing arrangement. You have the right to access &, where it is inaccfurate of incomplete, to update, yr personal data, pls write to the Data Protection Officer at Apex. Wait & see what they send .*refer #483
12/4/2013
Letter from APEX today (19/4/13). We are acting as a collection agent on behalf of LTSB & will now be dealing wih yr a/c. We offer a flexible approach to repaying yr a/c & have different options that may suit yr individual needs. You may have been unable to find a suitable repayment plan on this a/c previously & we believe we can help you repay the a/c, contact us as we would prefer not to escalate this through our collections process.

UPDATE...
16/5/2013
Letter from DEBT MANAGERS (husband name). We are aware that you are currently paying yr a/c owed to our client APEX & appreciate yr cooperation so far yr payments have reduced outstanding balance to £1013.39. Our client appreciates that the ideal solution would be to have this a/c cleared with no outstanding amount, on reviewing yr current repayment plan, we have noted that you will be paying back to our client for more than 15yrs. We appreciate this is not an ideal situation & that yr financial situation may change over time. Therefore our client would like to help you to be free of this debt within a few mnths like to purpose to accept the lower amount of £658.70 to clear yr a/c in full, pls contact us within the next 14days to discuss further. This offer ideally needs to be paid over the next few wks but if you do feel that you need more time then we can work with you to arrange this. Our client feels that this option is in yr best interest due to the length of time it will take you to repay yr a/c on the current arrangement & we hope you see the proposal as a solution to clear this a/c. However, should this not be feasible at this stage, we will be happy to continue to work with you & accept the repayments as per yr current repayment plan.
Will continue paying as set up previously...

**Lovemoney** · 2 June 2013, 09:29

Re: Need Advice

Originally posted by Lovemoney View Post

CAPITAL ONE (CREDIT CARD)
START DATE: 7/4/2005
DEFAULT BALANCE: £1821
DEFAULT ON: 27/4/2009
HISTORY
5/3/12
sent cca request.
13/3/12
received reply saying under S78 to provide with a copyof executed agreement. It was confirmed by the Judgement of his Honour Judge Waksman QC in Carey v HSBC[2009]3417(QB) that providing a reconstituted copy of agreement is compliant with S78 no requirement under the CCA to provide with a photocopy of the original signed agreement. Received photocopy Original Agreement & Defaulted Agreement (Emailed Niddy).

Niddy says

19/3/12
A/c due to review required income & expenditure with some proofs.
26/3/12
Missing Prescribed Term letter sent.
2/4/12
required income & expenditure with some proofs have not received, need response within 14 days. If not previously been issued with a default may serve default notice requesting the total arrears to be paid immediately or a/c defaulted may pass tp debt collection agencyto recover the full outstanding balance. # ADVISED IGNORE & NO PAYMENT #
24/5/12
received letter from FREDRICKSON INTERNATIONAL LTD....DO NOT IGNORE IMMEDIATE PAYMENT REQUIRED. Has been instructed by Capital One who have passed this a/c to us for collection of the outstanding balance. Our client now requires payment in full (£1785.43)to avoid further action.
7/6/12
received legal action threat letter from FREDRICKSON INTERNATIONAL LTD....LETTER BEFORE ACTION. This debt must be paid in full to these office within the next 7days otherwise will take immediate action ie..issue proceedings in County Court (or the Sheriff Court aws may be appropriate).
8/6/12
Threat by Creditor - To Commence Litigation template send
18/6/12
got a reply from FREDRICKSON INTERNATIONAL LTD saying thank you for yr communication regarding this a/c. We have referred the matter to our client & will revert to you as soon as we are in receipt of instructions. We confirm that we have placed the a/c on hold.
22/6/12
received letter from FREDRICKSON INTERNATIONAL LTD further to the previous correspondence documentation. We have taken our client's instructions and have been advised that they complied with your request on the 12/4/2012. Therefore, please forward your proposals for payment to discharge the above outstanding balance.
3/7/12
received letter from Bryan Cartar Solicitors LLP with regard to the outstanding debt. Payment must be made in full within the next fourteen days failing which we will recommend to our client that proceedings be issued without further notice. And additional charges will be added to the exisiting balance. If you dispute liability for this debt please state your reasons in writing & supply us with documents in support of your defence to any claim. Before the a/c is referred to us to litigate you still have an opportunity to contact FREDRICKSON INTERNATIONAL LTD with your payment proposals. (refer: #304)
9/7/12
Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation 13/7/12 sent by recorded.
18/7/12
received letter from FREDRICKSON INTERNATIONAL LTD thank you for your communication regarding this a/c. We have referred the matter to our client & will revert to you asap we are in receipt of instruction. In the meantime, we confirm that we have placed the a/c on hold.
13/8/12
received letter from CAPITAL ONE...(refer #387) *see what they send next #389*
24/10/12
Letter from FREDRICKSON INTERNATIONAL LTD today (25/10/12). We confirm we have referred this matter to our client & they have advised that yr complaint has now been resolved & the agreement is enforceable. As we are instructed in relation to the a/c, we would be grateful if you could contact us to set up a payment arrangement.
29/10/12
Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status sent. *Refer #481
6/11/12 BALANCE £1785.45
Letter from FREDRICKSON INTERNATIONAL LTD received today (07/11/12). We thank you for yr letter 29/10/12, if you require documentation pursuant to section 77-79 of CCA 1974 you must request this edirect from our client with the statuory fee £1.00. We have placed yr a/c on hold for a period of 14 days to allow you time to make yr request after this time debt collection activity on this a/c may resume.
12/11/12
A one liner................5/3/12 sent cca request. (sent by recorded Refer #505)
21/11/12
Letter from FREDRICKSON INTERNATIONAL LTD received today (23/11/12). Despit a recent letter from Bryan Carter Solicitors you have failed to discharge yr debt with our client CAPITAL ONE. We are prepared to offer you one final opportunity to pay before recommending to our client that they instruct solicitors to issue a claim at: (my address). At this late stage, & as a gesture of goodwill, we are prepared to accept a full & final settlement on this a/c provided that you contact us within 48 hrs of receipt of this letter (

). Pls note that on settlement of a debtk whether fully or partially settled, the original payment history will remain on yr credit file. If there is a default registered on yr file & you pay a final settlement, the default will be amended to reflect that it has been partially settled & yr credit file will be improved. This information will remain on yr file for six yrs from the date the default was registered. Payment can be made by debit or credit card.
26/11/12
Letter sent by recorded. *Refer #525
5/12/12
Received letter (dated 3/12/12) from FREDRICKSON. We have recently been in contact with you regarding an outstanding debt due to our client. You informed us that you believe that the information in respect of this debt is incorrect. We have provided details of yr dispute to our client & have now received a response from them which indicates that the debt details are correct. We would very much like to discuss this matter with you further. Pls can you telephone us, within the next 7 days, on XXXXXXXXXXXX.
16/2/13
Received letter (dated 7/2/13) from CAPITAL ONE.
PLEASE BE AWARE: Yr a/c has moved I am writing to advise you that yr a/c is no longer being managed by the Debt Collection Agency who were acting on behalf of CAPITAL ONE.
Please work with us to reduce yr debt It is important that you continue to make payments to yr a/c. Payments should be made directly to CAPITAL ONE unless otherwise notified. Pls see attached for payment method.
Already settled? Pls disregard this letter if you have agreed a settlement figure with the Debt Collection Agency & have made that payment.
Have questions or need help? If you have any questions, pls call us on XXXXXXXX. We are here xxx-xxx.
With a third party debt management company? If yr a/c is being managed by an authorised third party (eg, relative, Debt Management Co) pls ensure that you update them with this information & show them this letter asap so that payments are not delayed in reaching yr a/c. refer #656&#657 ignore for now & just to see what they send next.
16/4/13
Letter from CAPITAL ONE received today (19/4/13). Sold yr a/c to LOWELL PORTFOLIO on xx/x/xx, All contact about yr a/c should now be with LOWELL PORTFOLIO will write to you to provide details of how they can be contacted & how payment can be made. LOWELL PORTFOLIO will start reporting against your credit file within 30 days of you receiving this letter. If yr a/c is being managed by an authorised third party for example a relative or a Debt Management Co. pls ensure that you update them with this information & show them this letter. The outstanding balance on yr a/c as at xx/x/xx was £1785.43 & this balance will be passed along with any payments or spend to LOWELL PORTFOLIO.
2/5/13
Email from LOWELL PORTFOLIO received. We wrote to you recently regarding yr debt that has been sold to LOWELL PORTFOLIO by Capital One. Has asked us to collect the debt on their behalf. Make us an offer! We want to help, willing to listen to any arrangement offer you can realistically afford to help repay the outstanding balance. The repayment can be weekly or monthly, whichever suits you best. When yr balance is cleared, will update the credit reference agencies to reflect this on yr credit file. When you enter into a repayment arrangement with us, it should give you some comfort knowing you are getting yr finances back on track. As long as you make yr agreed repayments on time, you will not receive further phone calls & letters from us or any third party debt collectors appointed by us & we will not take further action against you to recover the debt. Pls call XXXX today to discuss an affordable repayment plan. If you would prefer to pay online you call set up a D/D in the comfort of yr own home without the need to speak to anyone, remenber we will accept yr offer of monthly payment. (don't know how they got my email address from)
1/5/13
Letter from LOWELL PORTFOLIO received (4/5/13). We're here to help you get yr a/c up to date wrote recently to let you know they have bought the outstanding balance you had with CAPITAL ONE. You have not yet cleared the outstanding balance or entered into a repayment plan, so they have asked us to get in touch. We can help you clear this outstanding balance & repaying yr debt may help to improve yr credit rating. What you need to do now It's very important that you do 1. Pay us in full... 2. Contact us to talk about a convenient way for you to pay. Based on yr current financial circumstances, we will be able to offer a repayment plan that works for you. refer #724&#725
13/5/13
Account sold while in dispute (dated 7/5/2013) sent by recorded.

16/5/13
Letter from LOWELL PORTFOLIO. We still haven't agreed a repayment plan for the outstanding balance you have with us. The longer you leave getting in touch or paying off the balancem the more you risk further action being taken against you including legal action. We may also ask one of our agents to arrange a time to visit you at home to discuss yr a/c & repayment of yr debt if we don't hear from you. So pls phone us.

UPDATE...
24/5/13
Letter from LOWELL PORTFOLIO received (31/5/13). I confirm that yr complaint has now been to the Customer Relations Dept. who will carry out a thorough investigation. We will investigate this as quickly as we can but we may need to contact you for further information or to provide you with an update. If we can contact you by telephone, we will able to discuss yr concerns directly with you & hopefully agree a resolution with you verbally. This is the quickest & easiest way for us to resolve this for you. I would like to assure you that the a/c will be placed on hold, & we will stop all collections activity whilst dealing with yr complaint.

**Pixie** · 2 June 2013, 09:51

Re: Lovemoney UE Diary

I would either ignore this or send a one-liner saying that you will only communicate in writing.

**ScabHunter** · 2 June 2013, 10:14

Re: Lovemoney UE Diary

What are these morons alleging to be a “complaint” - the SWID letter or something else?

As you haven't submitted any complaints, that latest letter is too stupid to dignify with a response. Wait until they give you their “final response”, and then politely point out to them that you didn't actually raise any complaints in the first place.

SH

**Lovemoney** · 4 June 2013, 20:45

Re: Lovemoney UE Diary

Originally posted by Lovemoney View Post

LLOYDS TSB (CREDIT CARD)
HUSBANDS
8/7/2011
received letter from tsb & dlc have assigned all tittle and interest including the outstanding bal to Hillesden Securities Ltd. Under the term assigment, as defined Data Protection Act 1998. DLC has been appointed by Hillesden to manage my a/c and future payments and correspondence.
22/7/2011
received letter from dlc telephone to discuss for payment options(f&f settlement or monthly paments).
27/7/11
send in proposal, hardship difficulties & budget sheet.
8/8/11
received Notice of Debt Recovery from dlc.
6/9/11
received letter from Alplin(Solicitor) instructed by??? to recover the outstanding balance in full or reach agreement within 7days legal proceedings.
8/9/11
received bank details from dlc to set up standing order.
7/11/11 balance: £417.77
received Notice of Sums in Arrears.
6/1/12
received annual statement of a/c £415.77 from dlc.
26/3/12
cca request sent DLC (latest dca).
18/4/12
received reply (but letter dated 2/4/12) saying still awaiting from original lender (Lloyds) when these become available will be forwarded to me. If unable to forward original agreement will be able to supply a true copy which comply with section 77-79 of the Consumer Credit Act 1974 rulling in the case of McGuffick V RBS judgement dated 6/10/09 in relation to "what is considered enforcement", the judgement stated that the bringing of proceedings is not enforcement. It follows that demanding payment is step taken prior to the commencement of proceedings & therefore not considered enforcement. We will continue to report the account status to the CRA as this is also not considered as enforcement. Whilst may not be able to enforce the agreement until the documentation is provided, the monies remain outstanding and ther underlying obligation to repay remains intact. In view the above judgement a/c remain with collection department for collections activity to continue. will update on developments in 21 days if there are no developments beforehand. Refer #138 just keep a hold of that letter & wait & see what happens next
10/1/13
Received annual statement of a/c £403.77 from dlc.
1/2/13
Letter from DLC received today (6/2/13). ARREARS NOTIFICATION...you have not kept to the arrangement that we agreed for repaying yr debt, and are now in arrears of £403.77. Pls settle yr arrears without delay, to avoid possible legal action. If for any reason you are unable to make payment, or would like to re-negotiate the payment plan, pls telephone us to discuss the matter. We want to reassure you that we're fully aware of the financial difficulties that you may be facing during this difficult period. and have embraced a policy of fair & realistic treatment for all for our customer.
27/2/13
Letter from DLC We are following up yr request for a copy of the original documentation (CCA) with the original lender. When this becomes available we will forward a copy to you. Should you require anything further at this point pls contact me. I will update you on developments in 21 days if there are no developments beforehand.
1/2/13
Letter from DLC We have chosen to send you this letter as someone who may be struggling to manage yr credit commitment. One of the impacts of the "credit crunch" has been an individual's ability to obtain credit, particularly mortgages, with lenders scrutinising applicants' credit history & payment records much closer. In the future, credit is only likely to be available to individuals with good credit history or those that can display positive efforts to pay off their defaulted a/c. Therefore we can offer you a choice of two options to improve yr situation: £10 per mnth by d/debit OR If you pay 75% of the balance within 21 days, we will write off the remaining balance or alternatively contact us on XXXXXXXX to discuss other repayment options. Our re-payment plans are subject to regular review. If you would like to discuss what other opportunities are available to you to settle the outstanding balance pls call or email us.
12/4/13
Letter from DLC We have managing yr a/c since xx/x/xx. You have been making regular payments, but yr balance is still outstanding. To assist you in clearing the remaining balance in the shortest possible time, we would ask that you contact one of our telephone negotiators to discuss a revised payment plan. We maybe able to offer a discount for early settlement, allowing an early update of any entries registered by DLC with the CRA, Upon payment of any settlement balance the entries will be updated as 'partially settled' this would have a positive impact on this particular entry registered on yr credit file. Your current repayment plan has reached the end of its term & it is therefore important that you respond to this letter. Failure to do so could result in the withdrawal of instalments rights on this a/c.
1/5/13
Letter from DLC received (4/5/13). We are following up yr request for a copy of the original documentation (CCA) with the original lender. When this becomes available we will forward a copy to you. Should you require anything further at this point pls contact me. I will update you on developments in 21 days if there are no developments beforehand. refer #723 ignore.

UPDATE...

30/5/13 BALANCE: £403.77
Letter from MDB LTD (MERCANTILE DATA BUREAU) received (4/5/13). I have been instructed by DLC an associated company of MDB Ltd, to contact you about the unpaid debt. Yr a/c has been transferred to me due to yr continued failure to discharge yr current liability. All future contact relating to yr a/c should now be with me. I would like to give you the opportunity to discuss yr a/c with me before we undertake any action with yr a/c. I will take into consideration yr current financial circumstances & outline the many options available to help resolve this matter. I urge you to contact me today to conclude this matter as quickly as possible.
Any advice would be very grateful please

**ScabHunter** · 4 June 2013, 20:58

Re: Lovemoney UE Diary

Can't work out what is going on here. The amount of the alleged debt is getting smaller, suggesting that you are paying these idiots and continually restarting the limitation clock, yet according to the time line there has been no response whatsoever to your CCA request.

Can you enlighten us?

SH

**ken100464** · 4 June 2013, 21:55

Re: Lovemoney UE Diary

Post 691 anyone? Cant see any replies.

Lovemoney seems to have had a debt increase on a CCJ.

First thoughts its post judgment interest being added by the big fish and friends. So not good.

Now after reading the post I have got somewhat confused and think its the CCJ with a few payments knocked off.

But cant understand how it got amalgamated then split for Westcott to chase again then amalgamated when finally sold.

Is this normal? (well as normal as debt collection can be) Is this how others read it or does she actually need to do something because it is interest being added?

Confused dot com.

**Lovemoney** · 5 June 2013, 21:16

Re: Lovemoney UE Diary

Originally posted by ScabHunter View Post

Can't work out what is going on here. The amount of the alleged debt is getting smaller, suggesting that you are paying these idiots and continually restarting the limitation clock, yet according to the time line there has been no response whatsoever to your CCA request.
Can you enlighten us?
SH

Hi SH

I stopped paying them on 10/1/13 (refer #557-#560). Now they pass over to another company which is part of their group.

Any suggestions on how I should proceed.

**ScabHunter** · 5 June 2013, 21:23

Re: Lovemoney UE Diary

It's very hard to see exactly what the situation is, because every entry on that diary is an incoming letter, apart from the CCA request. Haven't you sent any outgoing letters?

Anyway, if they're playing silly beggars passing it around different desks in the same office, I'd play silly beggars back and send them a SWID letter.

Account Sold whilst in Dispute - allaboutDEBT UK

SH

**Lovemoney** · 5 June 2013, 21:31

Re: Lovemoney UE Diary

SH

Thanks...that exactly what I thinking I should do (for a change

).

**Lovemoney** · 5 June 2013, 21:43

Re: Lovemoney UE Diary

Originally posted by ken100464 View Post

Post 691 anyone? Cant see any replies.

Lovemoney seems to have had a debt increase on a CCJ.

First thoughts its post judgment interest being added by the big fish and friends. So not good.

Now after reading the post I have got somewhat confused and think its the CCJ with a few payments knocked off.

But cant understand how it got amalgamated then split for Westcott to chase again then amalgamated when finally sold.

Is this normal? (well as normal as debt collection can be) Is this how others read it or does she actually need to do something because it is interest being added?

Confused dot com.

Hi Ken

Thank you for bumping up Post 691 for me. I've been waiting since 12/5 for some help. Looking forward to some suggestions on what is best to do, if anything

**Riz** · 6 June 2013, 11:12

Re: Lovemoney UE Diary

Originally posted by ken100464 View Post

Post 691 anyone? Cant see any replies.

Lovemoney seems to have had a debt increase on a CCJ.

When was the County Court Judgement obtained?

Or does CCJ refer to something else in this context? It is not clear as far as I can see?

**Riz** · 6 June 2013, 11:15

Re: Lovemoney UE Diary

Ah! I see. Looking at the wrong post.

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Lovemoney UE Diary

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