Lovemoney UE Diary

[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.
21/2/14
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..............
6/3/2014
Overdraft - CCA Information part 2 sent. (*Refer #818 & #822)

As per email, as you're paying £1 nominal payments into the OD just carry on with it, you don't want to be a test case on bank account supplying documents - well, not in my opinion anyway

As you know I'm still paying £1 p/m to this a/c. Would like some advice is that good idea for me to cancel the payment in this stage? Thanks in advance.

[SaltnVinegar]

Re: Lovemoney UE Diary

As you know I'm still paying £1 p/m to this a/c. Would like some advice is that good idea for me to cancel the payment in this stage? Thanks in advance.

I think its outrageous that Debt Managers make the assumption that in an assessment the payment is going to be increased!

If Niddy is concerned that you may become a test case on this and you shouldn't stop the £1/month payments I wouldn't ignore that.

However, I would suggest writing back to Debt Managers, thanking them for the opportunity to review the account. Mention that your outgoings have increased, due to food/heating/council tax costs increasing but your income has not. Consequently as per your I/E the maximum you can now afford is £0.37/month, however you would be prepared to endevour to keep making payments of £1/month and hope that it acceptable to them. See whether their assumption of an increase is then reconsidered!

Best
SnV

[Lovemoney]

Re: Lovemoney UE Diary

Hi SV


Thanks for your suggestion it was really much appreciated.


Following Pixie advice (thread #818) I just sent out 2nd part of Overdraft letter, would like to ask should I write back with I/E or wait to see what they reply first.

[Lovemoney]

Re: Need Advice

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
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.
14/6/2013
Letter from Wescot received today (18/6/2013). We refer to yr recent communication where you raised a dispute on this a/c. Thank you for yr patience & we can confirm that we are awaiting further information from our client before this issue can be resolved, we will be in touch with you in due course.
04/10/2013
Letter from Wescot received today (9/10/2013). We acknowledge that you have raised a dispute on this a/c & we would like to confirm to you how this will be investigated. WHAT WILL HAPPEN? We will not make contact with you regarding collection of the outstanding balance on this a/c whilst this issue is being investigated. Pls be advised that as we will also need to contact our client, this process may take several weeks.
08/10/2013
Letter from Wescot received (11/10/2013). Having contacted our client they have advised they have no record of receiving a CCA for this a/c. We believe the dispute has now been resolved & full balance or an agreed monthly instalment is required by return. If in the event you believe you still have a valid dispute, pls contact us within 14 days otherwise yr a/c will be returned to our recovery team for collection.
09/10/2013
Letter from Wescot received (12/10/2013). Refer to yr recent communication where you raised a dispute on this a/c. Thank you for yr patience & we can confirm that yr a/c remains on hold whilst we await further information from our client, we will be in touch with you in due course.

UPDATE...
13/3/2014
Letter from Tesco Bank received. Due to yr failure to agree or maintain repayments towards yr debt, we've decided pass to Fredrickson working on our behalf. They'll attempt to contact you within the next 10 days, to start discussing yr individual circumstances to establish an affordable & sustainable repayment arrangement with you.
Shall wait for them to contact me then send them SWID template.

[Deepie]

Re: Need Advice

UPDATE...
13/3/2014
Letter from Tesco Bank received. Due to yr failure to agree or maintain repayments towards yr debt, we've decided pass to Fredrickson working on our behalf. They'll attempt to contact you within the next 10 days, to start discussing yr individual circumstances to establish an affordable & sustainable repayment arrangement with you.
Shall wait for them to contact me then send them SWID template.

....

[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.
23/02/2014
Notice of debt collection from Wescot received (27/2/2014). We have been instructed by our client (TESCO) to collect the outstanding balance £3381.73 on their behalf. Pls contact us asap failure to do so will result in further action by Wescot to recover the outstanding balance.
5/03/2014
REMINDER NOTICE from Wescot received. Our latest enquiries have now confirmed that you are still resident at this address but we have not received a reply to our previous correspondence. Unless you contact us to agree repayment £3XXX.XX within the next 10 days, further debt recovery activity will be taken to recover the full outstanding. Pls do not ignore this letter as this could result in furter action being taken to recover the debt. It is very important that you take urgent action to resolve this issue,. You can do this by contacting us 7 days a wk, writing to us or making a payment via our website.
10/03/2014
Templates | Unenforceability Templates | Account Sold whilst in Dispute sent by recorded.

UPDATE...
15/03/2014
Reduced settlement offer letter from Wescot received (19/3/2014). As a final attempt to avoid further action.our client as agreed tat we can offer you a discount to settle yr a/c. This offer is only available for a limited period so you should contact us urgently to agree a suitable settlement or the offer will be withdrawn & further action will continue to recover the full outstanding. If you're unable to take advantage of this offer we will still consider a realistic repayment plan. Unless a suitable arrangement plan is reached within 10days of the date of this letter, further recovery action will be taken.
Do you think it's possible that crossed with SWID which I just sent, should I wait to see what they send next.

[Deepie]

Re: Lovemoney UE Diary

UPDATE...
15/03/2014
Reduced settlement offer letter from Wescot received (19/3/2014). As a final attempt to avoid further action.our client as agreed tat we can offer you a discount to settle yr a/c. This offer is only available for a limited period so you should contact us urgently to agree a suitable settlement or the offer will be withdrawn & further action will continue to recover the full outstanding. If you're unable to take advantage of this offer we will still consider a realistic repayment plan. Unless a suitable arrangement plan is reached within 10days of the date of this letter, further recovery action will be taken.
Do you think it's possible that crossed with SWID which I just sent, should I wait to see what they send next.

Yes...See what they do next....

[Lovemoney]

Re: Lovemoney UE Diary

TESCO (CREDIT CARD)
DEFAULTED
HUSBANDS
HISTORY
UPDATE...(#831)
15/03/2014
Reduced settlement offer letter from Wescot received (19/3/2014). As a final attempt to avoid further action.our client as agreed tat we can offer you a discount to settle yr a/c. This offer is only available for a limited period so you should contact us urgently to agree a suitable settlement or the offer will be withdrawn & further action will continue to recover the full outstanding. If you're unable to take advantage of this offer we will still consider a realistic repayment plan. Unless a suitable arrangement plan is reached within 10days of the date of this letter, further recovery action will be taken.
Do you think it's possible that crossed with SWID which I just sent, should I wait to see what they send next. Refer #832

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

[Lovemoney]

Re: Lovemoney UE Diary

TESCO (CREDIT CARD)
DEFAULTED
HUSBANDS
HISTORY
23/02/2014
Notice of debt collection from Wescot received (27/2/2014). We have been instructed by our client (TESCO) to collect the outstanding balance £3381.73 on their behalf. Pls contact us asap failure to do so will result in further action by Wescot to recover the outstanding balance.
5/03/2014
REMINDER NOTICE from Wescot received. Our latest enquiries have now confirmed that you are still resident at this address but we have not received a reply to our previous correspondence. Unless you contact us to agree repayment £3XXX.XX within the next 10 days, further debt recovery activity will be taken to recover the full outstanding. Pls do not ignore this letter as this could result in furter action being taken to recover the debt. It is very important that you take urgent action to resolve this issue,. You can do this by contacting us 7 days a wk, writing to us or making a payment via our website.
10/03/2014
Templates | Unenforceability Templates | Account Sold whilst in Dispute sent by recorded.
15/03/2014
Reduced settlement offer letter from Wescot received (19/3/2014). As a final attempt to avoid further action.our client as agreed tat we can offer you a discount to settle yr a/c. This offer is only available for a limited period so you should contact us urgently to agree a suitable settlement or the offer will be withdrawn & further action will continue to recover the full outstanding. If you're unable to take advantage of this offer we will still consider a realistic repayment plan. Unless a suitable arrangement plan is reached within 10days of the date of this letter, further recovery action will be taken. Refer #831&#832
19/3/2014
Letter from Wescot received today (21/3/2014). Recent contact with regard that you've raised a dispute on this a/c & would like to confirm to you how this will be investigated. WHAT WILL HAPPEN? We'll not make contact with you regarding collection of the outstanding balance whilst this issue is being investigated. If you're already making repayments towards this balance via payment methods will continue to be paid unless cancel. However, we may need to contact you if we require further details or need to clarify any information as part of this investigation. Be advised that as we'll also need to contact our client, this process may take several wks. Upon concluding our investigation, will contact you again to advise you of the outcome & next steps.

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

[Lovemoney]

Re: Need Advice

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

14/6/2013
Letter from Wescot received today (18/6/2013). We refer to yr recent communication where you raised a dispute on this a/c. Thank you for yr patience & we can confirm that we are awaiting further information from our client before this issue can be resolved, we will be in touch with you in due course.
04/10/2013
Letter from Wescot received today (9/10/2013). We acknowledge that you have raised a dispute on this a/c & we would like to confirm to you how this will be investigated. WHAT WILL HAPPEN? We will not make contact with you regarding collection of the outstanding balance on this a/c whilst this issue is being investigated. Pls be advised that as we will also need to contact our client, this process may take several weeks.
08/10/2013
Letter from Wescot received (11/10/2013). Having contacted our client they have advised they have no record of receiving a CCA for this a/c. We believe the dispute has now been resolved & full balance or an agreed monthly instalment is required by return. If in the event you believe you still have a valid dispute, pls contact us within 14 days otherwise yr a/c will be returned to our recovery team for collection.
09/10/2013
Letter from Wescot received (12/10/2013). Refer to yr recent communication where you raised a dispute on this a/c. Thank you for yr patience & we can confirm that yr a/c remains on hold whilst we await further information from our client, we will be in touch with you in due course.
13/3/2014
Letter from Tesco Bank received. Due to yr failure to agree or maintain repayments towards yr debt, we've decided pass to Fredrickson working on our behalf. They'll attempt to contact you within the next 10 days, to start discussing yr individual circumstances to establish an affordable & sustainable repayment arrangement with you. Refer #829&#830

UPDATE...
20/3/2014
Letter from Fredrickson received. We're instructed by Tesco Bank to collect yr a/c debt which is now seriously overdue. You've failed to pay the balance which remains outstanding & our client now requires you must contact us immediately to either pay in full or set up an affordable repayment plan depending on yr circumstances. For yr convenience we offer a variety of payment methods. This is a serious matter & you may wish to seek independent advice. It so pls tel us straight away to let us know if this is yr intention.
SWID letter prepared and ready to post tomorrow, will keep updated.

[Lovemoney]

Re: Need Advice

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
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.
14/6/2013
Letter from Wescot received today (18/6/2013). We refer to yr recent communication where you raised a dispute on this a/c. Thank you for yr patience & we can confirm that we are awaiting further information from our client before this issue can be resolved, we will be in touch with you in due course.
04/10/2013
Letter from Wescot received today (9/10/2013). We acknowledge that you have raised a dispute on this a/c & we would like to confirm to you how this will be investigated. WHAT WILL HAPPEN? We will not make contact with you regarding collection of the outstanding balance on this a/c whilst this issue is being investigated. Pls be advised that as we will also need to contact our client, this process may take several weeks.
08/10/2013
Letter from Wescot received (11/10/2013). Having contacted our client they have advised they have no record of receiving a CCA for this a/c. We believe the dispute has now been resolved & full balance or an agreed monthly instalment is required by return. If in the event you believe you still have a valid dispute, pls contact us within 14 days otherwise yr a/c will be returned to our recovery team for collection.
09/10/2013
Letter from Wescot received (12/10/2013). Refer to yr recent communication where you raised a dispute on this a/c. Thank you for yr patience & we can confirm that yr a/c remains on hold whilst we await further information from our client, we will be in touch with you in due course.
13/3/2014
Letter from Tesco Bank received. Due to yr failure to agree or maintain repayments towards yr debt, we've decided pass to Fredrickson working on our behalf. They'll attempt to contact you within the next 10 days, to start discussing yr individual circumstances to establish an affordable & sustainable repayment arrangement with you. Refer #829&#830
20/3/2014
Letter from Fredrickson received. We're instructed by Tesco Bank to collect yr a/c debt which is now seriously overdue. You've failed to pay the balance which remains outstanding & our client now requires you must contact us immediately to either pay in full or set up an affordable repayment plan depending on yr circumstances. For yr convenience we offer a variety of payment methods. This is a serious matter & you may wish to seek independent advice. It so pls tel us straight away to let us know if this is yr intention.
28/3/2014
Templates | Unenforceability Templates | Account Sold whilst in Dispute sent by recorded. Refer #830 & #835

UPDATE...
27/4/2014
Letter from Fredrickson received. Wrote to you recently about this a/c but have not yet received a satisfactory payment proposal from you. You need to contact us now to resolve this matter by either paying the balance outstanding or making an arrangement with us to repay the debt by instalments if yr circumstances are such that you can't pay in full. We urge you to do so without delay to prevent further debt recovery action being taken against you.For yr convenience we offer a variety of payment methods,this is a serious matter & you may wish to seek independent advice.

[MrsD]

Re: Lovemoney UE Diary

I would just wait and see what they send next, they are obviously unable to read your previous letter....................

[nightwatch]

Re: Lovemoney UE Diary

errm Lovemoney, was the date you put for Freds letter an April fool, or can they see into the future???

[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.
21/2/14
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..............
6/3/2014
Overdraft - CCA Information part 2 sent. (*Refer #818 & #822)

UPDATE...
18/3/14
Letter from DEBT MANAGERS received. Yr dissatisfaction is being dealt with under our complaints process. Can confirm that LLOYDS sold the a/c to Apex now legal owner. Refer previous letter dated 19/4/12, you were informed that a/c relates to LTSB current bank a/c & a signed agreement is not applicable. Can advise that a copy of yr letter has been passed to our Client, along with a request for an annual statement,once in receipt of their further instruction will contact you again. Can confirm that yr repayment arrangement of £1 p/m by s/order remains in place, have recently asked to review yr current financial situation, pls complete I&E return with you offer of repayment to enable us to assess the affordability of yr offer of repayment.

[Lovemoney]

Re: Need Advice

TESCO (CREDIT CARD)
STARTED: 17/6/2005
CREDIT LIMIT: £1750
CURRENT BALANCE: £1703
DEFAULT BALANCE: £1771.00 (10/07/2006)
HISTORY
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
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.
14/6/2013
Letter from Wescot received today (18/6/2013). We refer to yr recent communication where you raised a dispute on this a/c. Thank you for yr patience & we can confirm that we are awaiting further information from our client before this issue can be resolved, we will be in touch with you in due course.
04/10/2013
Letter from Wescot received today (9/10/2013). We acknowledge that you have raised a dispute on this a/c & we would like to confirm to you how this will be investigated. WHAT WILL HAPPEN? We will not make contact with you regarding collection of the outstanding balance on this a/c whilst this issue is being investigated. Pls be advised that as we will also need to contact our client, this process may take several weeks.
08/10/2013
Letter from Wescot received (11/10/2013). Having contacted our client they have advised they have no record of receiving a CCA for this a/c. We believe the dispute has now been resolved & full balance or an agreed monthly instalment is required by return. If in the event you believe you still have a valid dispute, pls contact us within 14 days otherwise yr a/c will be returned to our recovery team for collection.
09/10/2013
Letter from Wescot received (12/10/2013). Refer to yr recent communication where you raised a dispute on this a/c. Thank you for yr patience & we can confirm that yr a/c remains on hold whilst we await further information from our client, we will be in touch with you in due course.
13/3/2014
Letter from Tesco Bank received. Due to yr failure to agree or maintain repayments towards yr debt, we've decided pass to Fredrickson working on our behalf. They'll attempt to contact you within the next 10 days, to start discussing yr individual circumstances to establish an affordable & sustainable repayment arrangement with you. Refer #829&#830
20/3/2014
Letter from Fredrickson received. We're instructed by Tesco Bank to collect yr a/c debt which is now seriously overdue. You've failed to pay the balance which remains outstanding & our client now requires you must contact us immediately to either pay in full or set up an affordable repayment plan depending on yr circumstances. For yr convenience we offer a variety of payment methods. This is a serious matter & you may wish to seek independent advice. It so pls tel us straight away to let us know if this is yr intention.
28/3/2014
Templates | Unenforceability Templates | Account Sold whilst in Dispute sent by recorded. Refer #830 & #835
27/4/2014
Letter from Fredrickson received. Wrote to you recently about this a/c but have not yet received a satisfactory payment proposal from you. You need to contact us now to resolve this matter by either paying the balance outstanding or making an arrangement with us to repay the debt by instalments if yr circumstances are such that you can't pay in full. We urge you to do so without delay to prevent further debt recovery action being taken against you.For yr convenience we offer a variety of payment methods,this is a serious matter & you may wish to seek independent advice.

UPDATE...
27/4/2014
Letter from Fredrickson received. If you require documentation under the CCA 74, you may request this directly from our client with the appropriate fee of £1. In the meantime pls contact us with yr payment proposals.