Lovemoney UE Diary

[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
21/3/2012
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.

UPDATE...
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 Instant Silver 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.
Any advice on what I should do next.

[Undercover Elsa]

Re: Lovemoney UE Diary

Instant Silver live in a kennel at the bottom of Link's garden

All the same company, just a ploy to make you go OOOOH sounds serious, better pay up!

If it was me I'd ignore their silly game.

Elsa x

[Lovemoney]

Re: Lovemoney UE Diary

HALIFAX (JOINT CURRENT A/C)
STARTED: 18/4/2006
CURRENT BALANCE: £2712 (5/6/11)
SPECIAL INSTRUCTION INDICATOR: Debt Management Programme
SPECIAL INSTRUCTION START DATE: 1/4/2009
SPECIAL INSTRUCTION END DATE: 1/11/2009
12/4/13
Overdraft - CCA Information part 2 sent by recorded. (*Refer #697 & #699)
22/4/13 BALANCE: £2690.51
Letter from CABOT received (25/4/13). We have had a look at the length of yr currently repayment plan with us & can clearly see that the plan in conjuction with yr age will be paying this a/c back to us for more than 15 yrs. Appreciate this is not an ideal situation. So we would like to help you be free of this a/c within a few mnths proposing to accept a lower amount to clear the amount. If you could find the money to repay £1345.26 then we will accept this as payment to clear the a/c in full yr mnthly payments can then cease. Ideally needs to be pd over the next few wks but if you do feel that you need more time then we can work with you to arrange this. If you would like take advantage of our offer then pls call us within next 14 days.
24/4/13 BALANCE: £2690.51
Letter from CABOT received (4/5/13). Your letter dated 12/4 the contents have been duly noted. We can confirm that we sent statements to you in respect of this a/c on 28/2/13. We would also draw yr attention to our letter, dated 15/10/12, in which we advised you that there is no need for CABOT or Bank of Scotland to provide a copy of yr credit agreement under the CCA is set out in section 74(1)(b). Therefore, we believe yr comments regarding the enforceability of the credit agreement to be irrelevand. We can confirm that ur a/c remains with our Collection Dept. & it is important that you contact them within 30 days from the date of this letter to discuss yr repayment options. If we do not hear from you within this timescale, yr a/c may be escalated within our Collection process. refer #723 ignore it for now, £1 s/o cancelled.
31/5/13 BALANCE: £2689.51
Letter from FIRE [FINANCIAL INVESTIGATIONS & RECOVERIES (EUROPE) LTD] received (7/6/13). Due to yr failure to pay the above debt, FIRE has been instructed by our client, CABOT, to recover the full outstanding balance on yr a/c. -This notice is issued for non-payment of the above debt. -Failure to pay yr debt will result in further recovery action. -PAYMENT IN FULL IS REQUIRED IMMEDIATELY. You must now contact one of our agents in our Recovery Dept.
10/6/13
Account Sold whilst in Dispute sent (FIRE) by recorded. refer #709
21/6/13
Letter from FIRE (24/6/13). Yr letter received in out office 17/6/13. sorry to learn that you have to raise concerns regarding this a/c. Can confirm that we will be conducting a thorough investigation into yr concerns. Once we have completed this will write to you again. Enclosed a copy of internal complaints proceduce for yr information. Pls take tie to read this as it explains how we will deal with yr complaint & when we will ccontact you again.
12/7/13
Letter from FIRE (18/7/13). Further to our letter dated 21/6/13. Regrettably. I have been unable to provide you with my full response as continuing to investigate yr concerns in further details. I apologise for any inconvenience this delay may cause & can assure you will write to you again asap, no later than 8wks from the date we received yr complaint.
9/8/13
Letter from FIRE received. Writing further to our letters dated 21/6 & 12/7. Our understanding of your complaint You are dissatisfied with the contact you have received from Financial Investigations & Recoveries Ltd ("FIRE") in relation to this a/c as you claim this remains in dispute with the original lender due to their failure to comply with yr request under the CCA 74. As a result, you believe that this debt is rendered unenforceable & request we cease contacting you any further in relation to yr outstanding balance. Our investigation to clarify that this a/c relates to a joint current a/c that was opened by both you & Mrs in 4/2006. Pls be advised that under Part V of the CCA, there is no requirement for us to provide a copy of yr credit agreement under the CCA for Current A/C & Overdraft Facilities, as Part V of the CCA does not apply to these types of a/cs. The exclusion of Current A/cs falling into Part V of the CCA us set out in section 74(1)(b) & therefore yr comments relating to this particular section of the CCA & yr belief that this a/c is unenforceable are not applicable in this instance. We have liaised with our client, Cabot who have provided us with a copy of their previous letter sent to Mrs dated 26/9/12, which addresses this matter in further details. Pls find enclosed a copy of this for yr ease of reference. In relation to yr comment that our contact in harassing, I would like to remind you that yr a/c has been legally assigned from Bank of Scotland on 3/8/12 & we have been instructed on behalf of Cabot tyo contact you concerning the repayment of this debt, I have obtained the relevant records from our Dialler Dept. & note that since being instructed on this a/c in 5/13, FIRE have not made any telephone calls to you regarding yr a/c & any correspondence you have received has been in a legitimate attempt to obtain yr co-operation with the repayment of this debt. Therefore, as our contact has been made lawfully, we do not consider this amount to harassment or be in breach of any regulatory guidance or law applicable to our industry. Conclusion It is clear this debt remains enforceable at law & yr financial obligations have not been reli8nquished regarding the repayment of yr outstanding balance. In the circumstances, I would like to clarify that the enforcement has been defined within English Law as obtaining a Judgement at Court, however neither Cabot nor FIRE are seeking to initiate legal proceedings in respect of this debt, we would request you contact us asap to arrange repayment. Under the terms of our Complaints Procedure, this is our final response, if you remain dissatisfied, you may refer yr complaint to the FOS with 6mnths from the date of this letter. Nevertheless I must advise you that should yr complaint be in regards to the enforceability of the credit agreement, we do not consider this to be within the jurisdiction of the FOS & they may be unable to investigate yr concerns.
12/8/13
Letter from FIRE received. Due to yr failure to pay the above debt, FIRE has been instructed by our client, Cabot to recover the full outstanding balance on yr a/c. *This notice is issued for non-payment of the above debt *Failure to pay yr debt will result in further recovery action * PAYMENT IN FULL IS REQUIRED IMMEDIATELY You must now contact one of our agents in our Recovery Dept.

UPDATE...
25/12/13 BALANCE: £2689.51
Letter from CABOT received. Repaying yr a/c We've tried to contact you on several occasions & it's now important that you contact CABOT to discuss yr a/c. We would like to understand yr situation so we can propose a solution that is affordable to you & help you debt free in the future. And we do not hear from you it is extremely difficult to help you. If we do not hear from you then we will continue to contact you & at the same stage review yr a/c for our next stage of collection activity.
2/1/14
Letter from CABOT received. We understand that it can be difficult to clear yr a/c in a short period of time. We understand debt & wanted to share our thoughts with you. Have a flexible approach to considering the amount you actually owe us, will work with you to understand yr financial situation. For you to repay this a/c in the short term then we will help you make that happen and anything you arrange with us is affordable & fair. Just call one of customer consultant on XXXXXXXX.
Think ignore and see what they send next.

[MrsD]

Re: Lovemoney UE Diary

I would, just a mailshot

[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/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 #133 to #142
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.
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.

UPDATE...
21/2/14 BALANCE: £1003.39
Letter from DEBT MANAGERS received (26/2/14). Amount due to Prime Credit 1 S.a.r.l.-Lloyds. Yr a/c is now overdue for an assessment of yr financial situation, pls call XXXXXXXXX, to review yr current financial circumstances. Alternatively fill in the slip below & return with increased payment amount & the date you wish to commence this new plan & it will be automatically adjusted. Pls note we may be able to offer up to 25% discount on this debt.
Amount to be increased to ......
Start date of new payment ....
Will be paid every - Month
- 28 days
- 14 days
- Weekly
Tel No to contact you on if we have a query..............
Any advice on what I should do.

[Lovemoney]

Re: Lovemoney UE Diary

TESCO (CREDIT CARD)
DEFAULTED
HUSBANDS

HISTORY
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.

UPDATE...
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.

I will send WescotTemplates | Unenforceability Templates | Account Sold whilst in Dispute.

[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
21/3/2012
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.

UPDATE...
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.

[Pixie]

Re: Lovemoney UE Diary

I would send LTSB the second overdraft letter (in the overdraft cca thread)

Even though Instant Silver are part of Link, have you ever sent them SWID?

[Lovemoney]

Re: Lovemoney UE Diary

Really appreciate your suggestion....

I would send LTSB the second overdraft letter (in the overdraft cca thread
I would like to ask Part 1 - The CCA Request is that correct?

Even though Instant Silver are part of Link, have you ever sent them SWID?
Not yet, will send a reply SWID.

[Deepie]

Re: Lovemoney UE Diary

I would send LTSB the second overdraft letter (in the overdraft cca thread)

Even though Instant Silver are part of Link, have you ever sent them SWID?

Really appreciate your suggestion....

Pixie has replied ....

[Lovemoney]

Re: Lovemoney UE Diary

Thanks Deepie I knew.


Just like to confirm she meant Part 1 - The CCA Request to LTSB.

[Deepie]

Re: Lovemoney UE Diary

I would send LTSB the second overdraft letter (in the overdraft cca thread)

Even though Instant Silver are part of Link, have you ever sent them SWID?

Thanks Deepie I knew.


Just like to confirm she meant Part 1 - The CCA Request to LTSB.

It's the second letter you need to send.....

[Lovemoney]

Re: Lovemoney UE Diary

Thank you for confirming

[Lovemoney]

Re: Lovemoney UE Diary

HALIFAX (JOINT CURRENT A/C)
STARTED: 18/4/2006
CURRENT BALANCE: £2712 (5/6/11)
SPECIAL INSTRUCTION INDICATOR: Debt Management Programme
SPECIAL INSTRUCTION START DATE: 1/4/2009
SPECIAL INSTRUCTION END DATE: 1/11/2009
26/3/12
Overdraft CCA request sent (Blair, Oliver).
14/9/12
Letter received (19/9/12 #439) BANK OF SCOTLAND writing to notify you that bank of scotland has assigned all of its respective rights, tittle and interest in respect of the above referenced a/c (including the outstanding balance) to Cabot Financial (UK) Ltd effective 3/8/2012.The total balance sold was £2702.51, as at the date of sale 03/08/2012. Any payments made towards yr a/c after 3/8/12 will be forwarded to Cabot Financial, & will be deducted from the balance shown above.
Letter received (19/9/12 #439) CABOT FINANCIAL has recently bought the a/c you held with Bank of Scotland & we're now responsible for answering yr queries & receiving payments. According to our records you currently owe £2696.51.Your agreed monthly repayment plan with Bank of Scotland now needs to be maintained with Cabot. Pls ensure that with immediate effect all future payments are made direct to us. We regularly review the arrangements on our a/cs, including the monthly payment a/c. IMPORTANT: if, for any reason, we don't receive yr payments on time we'll cancel this arrangement. The full outstanding balance will then become due.
19/9/12
Account Sold whilst in Dispute sent. (*Refer #440)
2/10/12
Short note for request bank details from Cabot sent. (#456)
16/10/12
Letter(dated 15/10/12) from Cabot received today......(*Refer #462)
18/10/12
Bank details received. (£1 by standing order since 27/10/12)
22/10/12
Overdraft - CCA Information part 2 sent & set up s/o £1 pm. (*Refer #463 & #479)
30/10/12
Letter from Cabot received...Repaying yr A/C tnx for yr recent payment. However, there is no agreed repayment plan currently in place. The most important thing for you to do now is to get in touch with us & one of our helpful customer adivsors will discuss the options for repaying yr a/c. If you've already agreed a repayment plan, pls ignore this letter. (Refer #502 see what they send next)
13/12/12
Received letter (dated 26/11/12) from Cabot...(#546)
2/1/13 BALANCE £2693.51
Letter from Crapot received today (4/1/13).
Your outstanding debt
According to our records you currently owe £xxxx even though we have made repeated attempts to obtain yr commitment to repay this debt. It's now vital that you contact us urgently to discuss yr a/c.
If we don't hear from you
I you don't contact us to agree a suitable repayment plan we will have to move yr a/c to the next stage of our collections process.
Contactihng Cabot
The most important thing for you to do now is to get in touch with us urgently, to prevent further action being taken. Call XXXXXXXX & one of our helpful customer advisors will discuss the options for repaying yr a/c. Our aim is to help customer get their a/cs cleared-so contact us now.
7/1/13
Dear Sirs,
Ref: xxxxxxxx
I write with reference to your rather confusing and contradictory letter dated xx/xx/xxxx.
You have made the absurd claim that s.74A did not apply to accounts opened before that section passed into law and that the overdraft was not a regulated agreement, then you claim that the bank had complied with s.74B which means the overdraft was a regulated agreement after all.
Would you care to provide the information requested, before I consider referring this to the regulatory bodies for investigation into your conduct and misleading manner.
Yours faithfully, (Refer #569) sent by recorded.
22/1/13
Letter from Crapot received today (24/1/13). I refer to yr letter received in our office on 10/1. I note the comments in yr letter & have reviewed our previous correspondence in this matter. I appreciate there ay have been some confusion caused due to the legalities involved however it is the case that we are not required to comply with a request for information under section 77/78 of the CCA 1974 on a current a/c. As a result yr claims of unenforceability on this basis are incorrect. Nevertheless, pls be assured we are willing to obtain further documentation for you if that is required. Therefore I have referred yr a/c to our Customer Relations Dept. to obtain any availabe information & they will contact you accordingly. In the meantime I would recommend you maintain yr payments of £1 p/m. (refer #621&#623 £1 s/o cancelled [forgot to cancel])
1/2/13 BALANCE: £2693.51
Letter from Crapot LIMITED OFFER Repaying yr a/c-our offer to you If you respond within the next 30 days from the date of this letter, we are able to offer you a discount of up to 30%* to settle yr a/c. If you'd like to take advantage of this offer, pls contact us immendiately. Alternatively, we may be able to offer you an attractive repayment plan which will enable you to repay yr outstanding balance within 5 yrs. The most important thing for you to do now is to get in touch with us immediately.
27/2/13 BALANCE: £2692.51
Letter fromCABOTreceived today (7/3/13).Further to our previous correspondence. We have obtained a copy of the statements of a/c & have enclosed these for yr attention. Once you have reviewed this document we request you contact us within 28 days to discuss yr query further. We look forward to hearing from you. We have placed the a/c on hold for a period of 30 days. However should we fail to hear from you this may result in the a/c being returned to our Collections Department. refer #680 see what they send next.
4/4/13 BALANCE: £2690.51
Letter from Crapot received today (11/4/13). Your outstanding debt According to our records you currently owe £2690.51 even though we have made repeated attempts to obtain yr commitment to repay this debt. It's now vital that you contact us urgently to discuss yr a/c. If we don't hear from you If you don't conatact us to agree a suitable repayment plan we will have to move yr a/c to the next stage of our collections process. Contacting Cabot The most important thing for you to do now is to get in touch with us urgently, to prevent further action being taken. Call XXXXXXXXXXX & one of our helpful customer advisors will discuss the options for repaying yr a/c. Our aim is to help customers get their a/cs cleared-so contact us now.
12/4/13
Overdraft - CCA Information part 2 sent by recorded. (*Refer #697 & #699)
22/4/13 BALANCE: £2690.51
Letter from CABOT received (25/4/13). We have had a look at the length of yr currently repayment plan with us & can clearly see that the plan in conjuction with yr age will be paying this a/c back to us for more than 15 yrs. Appreciate this is not an ideal situation. So we would like to help you be free of this a/c within a few mnths proposing to accept a lower amount to clear the amount. If you could find the money to repay £1345.26 then we will accept this as payment to clear the a/c in full yr mnthly payments can then cease. Ideally needs to be pd over the next few wks but if you do feel that you need more time then we can work with you to arrange this. If you would like take advantage of our offer then pls call us within next 14 days.
24/4/13 BALANCE: £2690.51
Letter from CABOT received (4/5/13). Your letter dated 12/4 the contents have been duly noted. We can confirm that we sent statements to you in respect of this a/c on 28/2/13. We would also draw yr attention to our letter, dated 15/10/12, in which we advised you that there is no need for CABOT or Bank of Scotland to provide a copy of yr credit agreement under the CCA is set out in section 74(1)(b). Therefore, we believe yr comments regarding the enforceability of the credit agreement to be irrelevand. We can confirm that ur a/c remains with our Collection Dept. & it is important that you contact them within 30 days from the date of this letter to discuss yr repayment options. If we do not hear from you within this timescale, yr a/c may be escalated within our Collection process. refer #723 ignore it for now, £1 s/o cancelled.
31/5/13 BALANCE: £2689.51
Letter from FIRE [FINANCIAL INVESTIGATIONS & RECOVERIES (EUROPE) LTD] received (7/6/13). Due to yr failure to pay the above debt, FIRE has been instructed by our client, CABOT, to recover the full outstanding balance on yr a/c. -This notice is issued for non-payment of the above debt. -Failure to pay yr debt will result in further recovery action. -PAYMENT IN FULL IS REQUIRED IMMEDIATELY. You must now contact one of our agents in our Recovery Dept.
10/6/13
Account Sold whilst in Dispute sent (FIRE) by recorded. refer #709
21/6/13
Letter from FIRE (24/6/13). Yr letter received in out office 17/6/13. sorry to learn that you have to raise concerns regarding this a/c. Can confirm that we will be conducting a thorough investigation into yr concerns. Once we have completed this will write to you again. Enclosed a copy of internal complaints proceduce for yr information. Pls take tie to read this as it explains how we will deal with yr complaint & when we will ccontact you again.
12/7/13
Letter from FIRE (18/7/13). Further to our letter dated 21/6/13. Regrettably. I have been unable to provide you with my full response as continuing to investigate yr concerns in further details. I apologise for any inconvenience this delay may cause & can assure you will write to you again asap, no later than 8wks from the date we received yr complaint.
9/8/13
Letter from FIRE received. Writing further to our letters dated 21/6 & 12/7. Our understanding of your complaint You are dissatisfied with the contact you have received from Financial Investigations & Recoveries Ltd ("FIRE") in relation to this a/c as you claim this remains in dispute with the original lender due to their failure to comply with yr request under the CCA 74. As a result, you believe that this debt is rendered unenforceable & request we cease contacting you any further in relation to yr outstanding balance. Our investigation to clarify that this a/c relates to a joint current a/c that was opened by both you & Mrs in 4/2006. Pls be advised that under Part V of the CCA, there is no requirement for us to provide a copy of yr credit agreement under the CCA for Current A/C & Overdraft Facilities, as Part V of the CCA does not apply to these types of a/cs. The exclusion of Current A/cs falling into Part V of the CCA us set out in section 74(1)(b) & therefore yr comments relating to this particular section of the CCA & yr belief that this a/c is unenforceable are not applicable in this instance. We have liaised with our client, Cabot who have provided us with a copy of their previous letter sent to Mrs dated 26/9/12, which addresses this matter in further details. Pls find enclosed a copy of this for yr ease of reference. In relation to yr comment that our contact in harassing, I would like to remind you that yr a/c has been legally assigned from Bank of Scotland on 3/8/12 & we have been instructed on behalf of Cabot tyo contact you concerning the repayment of this debt, I have obtained the relevant records from our Dialler Dept. & note that since being instructed on this a/c in 5/13, FIRE have not made any telephone calls to you regarding yr a/c & any correspondence you have received has been in a legitimate attempt to obtain yr co-operation with the repayment of this debt. Therefore, as our contact has been made lawfully, we do not consider this amount to harassment or be in breach of any regulatory guidance or law applicable to our industry. Conclusion It is clear this debt remains enforceable at law & yr financial obligations have not been reli8nquished regarding the repayment of yr outstanding balance. In the circumstances, I would like to clarify that the enforcement has been defined within English Law as obtaining a Judgement at Court, however neither Cabot nor FIRE are seeking to initiate legal proceedings in respect of this debt, we would request you contact us asap to arrange repayment. Under the terms of our Complaints Procedure, this is our final response, if you remain dissatisfied, you may refer yr complaint to the FOS with 6mnths from the date of this letter. Nevertheless I must advise you that should yr complaint be in regards to the enforceability of the credit agreement, we do not consider this to be within the jurisdiction of the FOS & they may be unable to investigate yr concerns.
12/8/13
Letter from FIRE received. Due to yr failure to pay the above debt, FIRE has been instructed by our client, Cabot to recover the full outstanding balance on yr a/c. *This notice is issued for non-payment of the above debt *Failure to pay yr debt will result in further recovery action * PAYMENT IN FULL IS REQUIRED IMMEDIATELY You must now contact one of our agents in our Recovery Dept.
25/12/13 BALANCE: £2689.51
Letter from CABOT received. Repaying yr a/c We've tried to contact you on several occasions & it's now important that you contact CABOT to discuss yr a/c. We would like to understand yr situation so we can propose a solution that is affordable to you & help you debt free in the future. And we do not hear from you it is extremely difficult to help you. If we do not hear from you then we will continue to contact you & at the same stage review yr a/c for our next stage of collection activity.
2/1/14
Letter from CABOT received. We understand that it can be difficult to clear yr a/c in a short period of time. We understand debt & wanted to share our thoughts with you. Have a flexible approach to considering the amount you actually owe us, will work with you to understand yr financial situation. For you to repay this a/c in the short term then we will help you make that happen and anything you arrange with us is affordable & fair. Just call one of customer consultant on XXXXXXXX.

UPDATE...
8/3/14
Letter from CABOT received (14/3/14). We've made repeated attempts to obtain yr commitment to repay this debt. Important to contact customer consultants, the balance is due & we've many ways to help you clear this a/c. No matter how small it is still important to repay the money owed. We can set up an affordable mnthly plan that suits yr personal situation.
Ignore for now & just to see what they send next

[Deepie]

Re: Lovemoney UE Diary

UPDATE...
8/3/14
Letter from CABOT received (14/3/14). We've made repeated attempts to obtain yr commitment to repay this debt. Important to contact customer consultants, the balance is due & we've many ways to help you clear this a/c. No matter how small it is still important to repay the money owed. We can set up an affordable mnthly plan that suits yr personal situation.
Ignore for now & just to see what they send next

That's what I'd do......doing well with this account...