Lovemoney UE Diary

[CleverClogs (RIP)]

Re: Need Advice

4/4/12 received letter from CapQuest saying unable to comment on the dispute and at them time the a/c was passed to them were unaware of any existing query. Therefore we are "CLOSING THE ACCOUNT ON OUR SYSTEM". Thank you for taking the time in trying to resolve this matter

I wonder to whom they'll sell the account.

I hope it won't be MacKenzie Hall.

[Lovemoney]

Re: Need Advice

CAPITAL ONE (CREDIT CARD)

START DATE: 7/4/2005
DEFAULT BALANCE: £1821
DEFAULT ON: 27/4/2009

HISTORY

3/11/06
£1 token payment due to review on 1/12/06

4/7/08
received details to set up standing order for £1 payment

23/7/09
sent cca request

3/8/09
request £1 for a section 78 (i didn't reply)

6/9/09
£1 reduced payment plan ended and continue payment until new payment arrangement, request benefit & employed docs.

4/10/09
reduced payment ended request budget sheet.

26/3/10
payment plan reminder request budget sheet with benefit & employed docs

2/4/10
send in proposal, hardship difficulties & budget sheet.

23/4/10
confirmed above docs received review 6 months.

27/4/2010
letter received saying my signature doesn't match resend with correct signature.

8/10/10
payment plan reminder request budget sheet with benefit & employed docs.

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

22/10/10
confirmed above docs received review 6 months.

24/4/10
payment plan reminder request budget sheet with benefit & employed docs.

5/5/10
send in proposal, hardship difficulties & budget sheet.

18/5/10
confirmed above docs received review 6 months.

8/11/11
reduced payment ended request budget sheet.

14/11/11
sent budget sheet, creditors list, husband's illness proof request writting off debt.

23/11/11
request a copy dr's letter/hospital consultant letter/current sick note.

12/12/11
send in a copy psychiatrist letter.

21/12/11
replied have reviewed my a/c and can confirm that we will suspend interest and default sums. will contact again in 3 months to review a/c and ask to complete a review of financial circmstances. Continue to pay what can afford each month. Things need me to do: CANCEL any previous d/d has been set up. Any cotinuous payment agreements eg. monthly or yearly subscription, ensure they cancelled directly with the co. concerned.

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.

Hi Niddy should I ignore or response to the query...thanks

[Deepie]

Re: Need Advice

Hi Niddy should I ignore or response to the query...thanks

Just ignore that for now........

[Lovemoney]

Re: Need Advice

CO-OP BANK

Date commenced: 23/12/1997
DEFAULT BALANCE: £835
DEFAULT ON: 20/12/2006
ACCOUNT SOLD TO DCA: (ROBINSON, WAY & CO)
PAYMENT STATUS: AGREED £1 TOKEN PAYMENT SET UP STANDING ORDER 28/7/08 EACH MONTH

HISTORY

9/7/09
cca request sent

26/7/09
letter received saying that they ask original lender for a copy of te agreement my a/c has been placed on a temporary delay pending receipt of this documentation and will contact me again in due course.

23/9/09
replied with blur vision agreement (certain details hardly to read) from???

1/10/09
replied saying that i agreed to the term & condition of my loan when I signed the application form. This is all they are required to provide

16/11/09
received statement 19/12/08-14/9/09. Failing to make minimum payment can mean broken the term of this credit agreement could result taking legal action.


1/10/11
received a copy original agreement from eqidebt ltd(solicitor/dca???). apologise for the delay in providing this and ask to make a reasonable repayment without further delay???

21/11/11
following national debt helpline give them a call told them original arrangment was set up with robinson & way, and gave fos made complaint about the delayed.

24/11/11
apologise for the unforeseen delay due to high volumes of documentation requests and continued commitment to repaying the outstanding balance.

21/3/12
Niddy says

26/3/12
Missing Prescribed Term sent.

5/4/12
received response from Robinson Way saying satissfied the documentation provided is sufficient to demonstrate liability and will not enter into repetitive correspondence. Data will continue to be procedssed in lin with the principles of Data Protection Act 1998 and will continue to be reported to credit reference agencies, where appropriate. If neglect to make payment further action may be taken against, require payment proposals within 14 days.

Please advise what response should I use....thanks

[CleverClogs (RIP)]

Re: Lovemoney UE Diary

Arkell v Pressdram

[Deepie]

Re: Need Advice

Please advise what response should I use....thanks

I'd just wait and see what comes next...

[CleverClogs (RIP)]

Re: Need Advice

Just ignore that as well

Exactly - it's an automated snottygram.

[Lovemoney]

Re: Lovemoney UE Diary

LLOYDS TSB (CREDIT CARD)

25/1/2008 Balance £2392.20
received reminder repayment in arrears and payment £1 is required.

21/2/2008 Balance £2392.20
refer letter dated 1/2/08 unable to consider writing off the debts. advised token payment of £1 p/m review 6 months.

12/6/2008
reduced payment £1 for a period of 12 months then will require an up to date financial statement for review.

22/10/2008 Balance £2389.20
reminder in arrears £1 payment required agreed under the instalment plan.

11/8/2009
Full & final settlement offer(without prejudice) £2379.20 making payment next 10days £612.81 on receipt of cleared fund advise CRA to amend yr records to show partially settled.

9/7/2009
cca request sent.

Note: some paperwork missing.

26/3/2012
cca request sent.

4/4/2012
received printed CCA (same CCA which I received under my name previously, Niddy says unenforceable)

Please advise should I treat this the same like my a/c as UE and sent off Missing Prescribed Term......thanks

[CleverClogs (RIP)]

Re: Lovemoney UE Diary

Yep.

[Lovemoney]

Re: Lovemoney UE Diary

Thanks CleverClogs, in 2 deep & IF swift replies...Happy Easter to everyone here

[Lovemoney]

Re: Lovemoney UE Diary

LLOYDS TSB (CREDIT CARD)

17/12/2007 BALANCE: £427.77
reminder in arrears £1 payment required agreed under the instalment plan.

22/1/2008
received threat letter from Credit Security Ltd(debt enforcement office) demand full payment immediately failure will result dc calling or ccj.

5/2/2008
received threat letter from Credit Security Ltd documents for legal action now being prepared blah blah...

30/8/2009
received letter from Robinson Way & Co for formal demand payment more threat.

9/9/2009
cca request sent.

16/9/2009
replied saying request for a copy of cca be directed to them (lloyds tsb) a/c has been placed on a temporary delay until receive cca by lloyds tsb.

25/11/2009
received letter saying in view of my recent query & comment, we have today removed your a/c from our files, & returned my case to lloyds tsb who will deal directly with me in the future. lloyds tsb has been made aware of the reason why a/c is being closed & returned.


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.

please advise!

[MrsD]

Re: Lovemoney UE Diary

If it was me, I'd just keep a hold of that letter and wait and see what happens next, methinks they have nothing!

[Lovemoney]

Re: Lovemoney UE Diary

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

14/12/07 Balance: £1082.39
received arrears reminder saying being assessed by support solicitors. Enforcement proceedings will commence once the evaluation is complete and consider accepting a voluntary arrangement.

14/1/08 Balance: £1082.39
received a threat letter from Debt Managers Ltd.



9/9/09
sent cca request

16/7/09 Balance: £1058.39
received financial review reminder letter and commence increased payment.

20/7/09 Balance: £1058.39
received letter from Debt Managers Ltd saying bank a/c no agreements as not governed by cca, require further copies of statement will need to request from branch and pay £10 fee.




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.


20/4/12
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

Just updated...20/4/12. Should I stop making £1 payment?

[Deepie]

Re: Lovemoney UE Diary

Just updated...20/4/12. Should I stop making £1 payment?

I Would and keep that letter safe......

[Paul.]

Re: Lovemoney UE Diary

Just updated...20/4/12. Should I stop making £1 payment?

is this for the account that has the CCJ? if so then they dont need the agreement as they have a judgment which means they can enforce