Lovemoney UE Diary

[nightwatch]

Re: Lovemoney UE Diary

If you have already sent for a CCA for this account I would hold on and see what RW send next, as nothing is being threatened. NW

[Lovemoney]

Re: Lovemoney UE Diary

FIRST DIRECT (CREDIT CARD & JOINT CURRENT A/C) CCJ
STARTED: 23/6/2003
CREDIT LIMIT: £8190
CURRENT BALANCE: SETTLED (showed in CR)
SETTLED ON: 6/8/2006
27/6/2006 BALANCE: £8334.49
JOINT CHEQUE A/C: £1366.74 (opened on 23/10/1997 & defaulted 10/8/2006)
SOLE VISA(wife): £6967.75
TOTAL: £8334.49
JOINT Personal Loan: £20159.96
21/1/2008
received court claim form £8137.10+court fee£190+Solicitor's costs£100=£8427.10.
13/2/2008
received letter from Lees Lloyd Whitley Solicitors refer to statutory demand and enclosed Financial Questionnair to complete, signature return within 7 days, also confirm in writing within 7 days that agree to give their client a Voluntary Charge over property to secure the debt.
19/2/2008
received Judgement for Claimant(after determination) £8429.09 by instatments of £1p/m first payment 27/3/08 and on or before this date each month until the debt has been paid.
11/4/2008
received letter from Lee Lloyd Whitley contact within 14 days for reduction settlement offer.
26/6/2008 Balance: £1365.74
received Debt Notification from Wescot Credit Services Ltd on behalf of Vertex. If failed to contact by 10/7/08 take legal action.
30/7/2008 Balance: £1365.74
received letter from Nelson Guest & Partners Solicitors instructed by Wescot on behalf Vertex in connection with sum outstanding £1365.74 payment made within 7days, legal proceedings without further notice.

18/8/2008
send in proposal, hardship difficulties & budget sheet.
18/8/2008 Balance: £1365.74
received letter from Wescot confirmation of £1 p/m repayment agreement. First payment due 2/9/08 final repayment 7/2124 and final repayment amount £0.74. *NOT charge interest or other charges.

3/3/2009
received an email from Wescot remind no payment (£3) "serious arrears". husband replied I have just made a deposit of £3 which is my "serious arrears". Three points that I would like to raise:.......

4/3/2009
received an email replied points are taken and send banking details.

9/7/2009
cca request sent

21/8/2009
Mortimer Clarke Solicitors reply have requested a copy cca with statement of a/c upon receipt will forward to me.

1/9/2009
Received letter from LRC (legal Recoveries & Collections Ltd) saying all future correspondence sent directly to the client: Phoenix Recoveries S.a.r.l.

2/9/2009
Received letter from Wescot regard the enquiry (husband) raised will investigated
WHAT WAS THE OUTCOME?
confirm a consequence of the query raised, a/c has been returned to client.
WHAT DOES THIS MEAN?
have closed the debt on computer system and returned to client.
No further action will be taken by Wescot to recover a/c

21/10/2009 Balance: £7464.03
Original a/c: HSBC
Agreement Date: 7/8/06.
received statement 1/10/08-20/10/09 from Phoenix Recoveries.

17/2/2010 Balance: £7456.03
received Notice of change of solicitor from Mortimer Clarke saying a/c been assigned to Phoenix Recoveries all payments made to Mortimer Clarke on behalf of Phoenix Recoveries.

2/7/2010 Balance: £7443.03
received letter saying concessionary arrangement has now expired needs to be review, contact within 7days to discuss financial circumstances.

27/7/2010
Received letter confirm accept £1 p/m as per the CCJ.

21/10/10 Balance: £7434.03 received Statement 21/10/09-20/10/09
11/5/11
received Notice of Assignment saying MCE Portfolio Ltd has had assigned from Phoenix Recoveries.

7/5/2013 Balance: £8361.09
Letter from MORTIMER CLARKE SOLICITORS We are pleased to announce that our client has selected you to receive a £2090.27 discount on the amount they owe. This is a big saving. You could get yr credit file marked as satisfied & start planning a new future. Don't delay will only be valid for next 14 days.

13/8/2013 Balance: £8357.09
Letter from MORTIMER CLARKE SOLICITORS We are pleased to announce that our client has selected you to receive a £2089.27 discount on the amount they owe. This is a big saving. You could get yr credit file marked as satisfied & start planning a new future. Don't delay will only be valid for next 14 days.

5/11/2013 Balance: £8354.09
Letter from MORTIMER CLARKE SOLICITORS We are pleased to announce that our client has selected you to receive a £2088.52 discount on the amount they owe. This is a big saving. You could get yr credit file marked as satisfied & start planning a new future. Don't delay will only be valid for next 14 days.

8/4/2014
Letter from MORTIMER CLARKE SOLICITORS received. The concessionary payment arrangement is due to be reveiwed & request that you contact us within next 7days to discuss yr current financial circumstances with one of our a/c managers. Important that you comply with this request. Alternatively, pls complete & return the enclosed statement of means form & make an offer of repayment within 7days. Our client will consider reasonable offers of payment, based on what you can afford to pay from yr disposable mnthly income & would not require you to pay more than you can afford. Our client may be willing to accept a reduced amount for a lump sum payment to settle the debt. Pls contact us to discuss if you wish to take advantage of this proposal.

23/4/2014
one liner saying that my financial situation remains the same and will continue with the payments already agreed sent by recorded. refer #843

29/4/2014
Letter from MORTIMER CLARKE SOLICITORS received. Refer to yr letter. Pls note that in order for our client to continue with yr current payment schedule, we require you to complete & return I&E form within 7 days. Our client needs to assess that yr payment are still affordable & sustainable. Refer #855 & #857

6/6/2014
Letter from MORTIMER CLARKE SOLICITORS received. Pleased to announce that our client has selected you to receive a £2086.77 discount you owe......

UPDATE...
22/10/2014
Letter from MORTIMER CLARKE SOLICITORS received. The concessionary payment arrangement is due to be reviewed & we therefore request that you contact us within 7 days to discuss yr current financial circumstances. It is important that you comply with this request. Alternatively pls complete & return the enclosed statement of means form & make an offer of repayment. Our client will consider reasonable offers of payment, based on what you can afford to pay from yr disposable mnthly income & would not require you to pay more than you can afford. You should also note that our client may be willing to accept a reduced amount for a lump sum payment to settle the debt.
Just want some advice on what to do...thanks as always.

[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

30/12/2008
send in complaint unhappy constatly received phone call from them and high level chargers.

26/1/2009
reponsed recent complaint saying phone call with strict Ofcom rulings and also conjunction with Office of Fair Trading guidelines. A/c balance is -£2639.42 and as overdraft limit is £2250 when open a/c were agreed to terms of conditions which explainedthat charges would be applied.

26/1/2009 Balance: £2639.42
received letter from Albion Collections Ltd saying a/c remains unpaid, contact them avoid legal ction and debt collection agents calling to property to collect payment these actions ared expensive and will bear these costs.

15/2/2009
send in proposal, hardship difficulties & budget sheet.

18/9/2009
received letter from Halifax payment arrangement has ended, pay £2733.51 within 28 days if not receive payment will send a 'notice of default' ti explain may take legal action.

5/10/2009 Balance: £2733.51
send in proposal, hardship difficulties & budget sheet.

20/1/2009
reponse to complaint dated 5/10/09 apologies for any distress or inconvenience the matter and for the delay response.
My letter....
* advise since agreeing to pay £1 p/m originally circumstances have not changed. * advise can't afford to pay balance in full. *offered a toke payment £1 p/m and requested a suspension all interest and charges. *mentioned recent calls are harassing been requested no future phone call put it in writing instead.
They explained...
phone call with strict Ofcom rulings and also conjunction with Office of Fair Trading guidelines. 12/3/09 agreed to accept £1 p/m toke payment for durationof 6 months, in order to set up another arrangement require up to date income & expenditure. Placed 4 wks call on hold enough time to provide financial statement to reach a suitable repayment arrangment.

31/12/2009 Balance: £2729.51
received letter from Blair, Oliver and Scott Ltd Debt Collectors requires full payment asap take further action doorstep collection or court action.

10/1/2010
send in proposal, hardship difficulties & budget sheet.

11/1/2010
received letter from Blair,Oliver failed to respond full payment within 5 days more threat legal action.

18/1/2010
received more threat letter.

22/1/2010
confirm proposal to pay £1 p/m is acceptable ssubject to periodic review.

4/8/2010 Balance: £2722.51
repayment arrangement due to review request up to date income & expendenture.

10/8/2010
send in proposal, hardship difficulties & budget sheet.

26/8/2010
proposal accepted subject to periodic review.

9/3/2011 Balance: £2715.51
repayment arrangement due to review request up to date income & expendenture

30/3/2011
send in proposal, hardship difficulties & budget sheet.

8/4/2010 Balance: £2714.51 proposal accepted subject to periodic review.
8/2011
Received letter from Halifax changed from Blair, Oliver to BLS Collections will not be changed.

* Thank Goodness this is the last one of my account and Niddy sorry for the delay of posting.


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.

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. Refer #824&#825

22/4/14
Letter from CABOT received. We are sending your account to another debt collection company We have tried to work with you for some time now to help you repay yr a/c. Despite repeated attempts to contact you & asking you to talk us , we have still not heard from you. Now have to start the next stage of recovery action passing yr a/c to Financial Investigations & Recoveries. They'll receive our instructions within the next 7 days. We understand how difficult it can be to have a debt & we can help you if you contact us. It still our aim to work with you & if you do not want us to pass yr a/c to another co. then pls call our team can help you if you are experiencing financial difficulty explain to you the details about yr a/c. If we do not hear from you then Financial Investigations will be in touch shortly to agree a repayment plan.

9/10/14
Letter from CABOT received. We understand that it can be difficult to clear yr a/c in short period of time, especially when there are other priorities to take into consideration.We will work with you to understand yr financial situation, find an opportunity for you to repay this a/c in the short term, help you make that happen. Will ensure that all of yr priority expenditure is up to date & anything you arrange with us is affordable & fair. We prepared to reduce the balance in order to help you become free of this debt sooner, subject to agreeing appropriate terms of repayment.

UPDATE...
6/11/14
Letter from CABOT received. We have tried to contact you on several occasions to discuss yr a/c. As we have not heard from you, we are referring yr a/c to Marlin. The enclosed letter (NOTICFE OF CHANGE Cabot have now instruceted us in the recovery of yr a/cf & you need to call us to discuss yr circumstances & agree how yr a/c will be paid & be able to make payment by instalments of amounts that you can reasonably afford.)provides details of how you can contact Marlin directly. Marlin will want to speak to you within the next 7 days where they will review yr situation & help you to arrange the most suitable solution for you based on yr circumstances.
13/11/14
Letter from Marlin received 20/11/14. IMPORTANT NOTICE The above creditor has confirmed that there is no reasonable repayment plan & the above debt remains outstanding. We are now in the process of advising our client to take Litigation action against you to recover this outstanding debt. Currently it is our intention to instruct a solicitor to issue court proceedings against yo to seek a CCJ. You would be able to submit a defence to any claim made which the Court would consider, but if a CCJ were subsequently awarded by the Court it would be typically be registered on yr credit file for 6 yrs............It is essential that you take this situation seriously & get in touch with us urgently on XXXXXXX to discuss the options available to you. We may be able to help if you are having financial problems, and important that you get in touch. If an agreeable repayment plan is not reached within 7 days of the date of this letter we will advise yr creditor to proceed with the above course of action.

Any advice on what I should do next.

[ScabHunter]

Re: Lovemoney UE Diary

Marlin = Scum

You'll need to send off a Threat of Litigation template immediately, by recorded delivery. I'll have to let someone with a blue user name give you a link.

SH

[Lovemoney]

Re: Lovemoney UE Diary

I've heard of their reputation before, very nasty! It made me very panic right now Yes please...it would be very much appreciated! Thanks

[Still Waving]

Re: Lovemoney UE Diary

The AAD site with the templates is offline for now, so I would suggest contacting one of the site team and asking if they can arrange to make the relevant response to a legal threat template available for you.

[Lovemoney]

Re: Lovemoney UE Diary

6/11/14
Letter from CABOT received. We have tried to contact you on several occasions to discuss yr a/c. As we have not heard from you, we are referring yr a/c to Marlin. The enclosed letter (NOTICFE OF CHANGE Cabot have now instruceted us in the recovery of yr a/cf & you need to call us to discuss yr circumstances & agree how yr a/c will be paid & be able to make payment by instalments of amounts that you can reasonably afford.)provides details of how you can contact Marlin directly. Marlin will want to speak to you within the next 7 days where they will review yr situation & help you to arrange the most suitable solution for you based on yr circumstances.
13/11/14
Letter from Marlin received 20/11/14. IMPORTANT NOTICE The above creditor has confirmed that there is no reasonable repayment plan & the above debt remains outstanding. We are now in the process of advising our client to take Litigation action against you to recover this outstanding debt. Currently it is our intention to instruct a solicitor to issue court proceedings against yo to seek a CCJ. You would be able to submit a defence to any claim made which the Court would consider, but if a CCJ were subsequently awarded by the Court it would be typically be registered on yr credit file for 6 yrs............It is essential that you take this situation seriously & get in touch with us urgently on XXXXXXX to discuss the options available to you. We may be able to help if you are having financial problems, and important that you get in touch. If an agreeable repayment plan is not reached within 7 days of the date of this letter we will advise yr creditor to proceed with the above course of action.

Update...
25/11/14
Threat of Litigation template send by recorded.

[Never-In-Doubt]

Re: Lovemoney UE Diary

When you quote a post for update please only quote the minimal amount, use the example below - your posts were getting that full of code from the copy/paste that it was freezing the page on Chrome (if anyone else noticed this, it should be fixed now thanks to Riz)....

So please only copy a snippet of the original entry - usually the last month / 5 updates - not the whole history example below:

TESCO (CREDIT CARD)
STARTED: 17/6/2005
CREDIT LIMIT: £1750
CURRENT BALANCE: £1703
DEFAULT BALANCE: £1771.00 (10/07/2006)
HISTORY
19/9/2014
Letter from Tesco Bank received. Due to yr failure to agree or maintain repayments towards yr debt, we've decided pass the management of yr a/c to Robinson Way. 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.
24/9/2014
Letter from Robinson Way received. In relation to yr unpaid a/c, we are authorised to negotiate repayment of the balance outstanding with you. Pls contact us to agree an affordable & sustainable repayment plan based upon yr personal circumstances. If you do not pay or contact us, it may mean * Yr ability to obtain any future credit (including mortgages) may be affected * We will continue to contact you by letter or by phone.
1/10/2014
Templates | Unenforceability Templates | Account Sold whilst in Dispute sent by recorded. (refer #865 & #866)
6/10/2014
We understand that in these difficult times it can be struggle maintaining payments to yr a/c. We want to help you by agreeing an affordable arrangement based on yr individual circumstances and tailor to yr situation pls contact us to discuss the best way forward.

[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
6/11/14
Letter from CABOT received. We have tried to contact you on several occasions to discuss yr a/c. As we have not heard from you, we are referring yr a/c to Marlin. The enclosed letter (NOTICFE OF CHANGE Cabot have now instruceted us in the recovery of yr a/cf & you need to call us to discuss yr circumstances & agree how yr a/c will be paid & be able to make payment by instalments of amounts that you can reasonably afford.)provides details of how you can contact Marlin directly. Marlin will want to speak to you within the next 7 days where they will review yr situation & help you to arrange the most suitable solution for you based on yr circumstances.

13/11/14
Letter from Marlin received 20/11/14. IMPORTANT NOTICE The above creditor has confirmed that there is no reasonable repayment plan & the above debt remains outstanding. We are now in the process of advising our client to take Litigation action against you to recover this outstanding debt. Currently it is our intention to instruct a solicitor to issue court proceedings against yo to seek a CCJ. You would be able to submit a defence to any claim made which the Court would consider, but if a CCJ were subsequently awarded by the Court it would be typically be registered on yr credit file for 6 yrs............It is essential that you take this situation seriously & get in touch with us urgently on XXXXXXX to discuss the options available to you. We may be able to help if you are having financial problems, and important that you get in touch. If an agreeable repayment plan is not reached within 7 days of the date of this letter we will advise yr creditor to proceed with the above course of action..

UPDATE...
1/12/14
Letter from SHOOSMITHS LLP SOLICITORS received. We act on behalf of Cabot under instructions from Marlin. Pls treat this letter as notice that, unless an agreement is reached with you within 14days of the date of this letter, instructed by our client to issue a claim in the County Court for recovery of the sums outstanding from you, This means that you may have a CCJ registered against you may affect yr ability to obtain credit in the future. If judgement is obtained then instructed to enforce that judgement which may include an application for a charging order or any other appropriate method of enforcement. Rather than issue court proceedings our client would prefer to find a suitable solution to enable you to repay the sums outstanding to it so pls call us urgently XXXXX. We may be able to agree to accept less than the sum outstanding in settlement of the sums due from you or to agree regular payment instalments based on a review of yr financial circumstances.

5/12/14
Notice of Arrears (letter dated 3/11/14) from Cabot received (5/12/14). We're required to give you this notice in compliance with the CCA 74 because you are behind with yr payments under the terms of the credit agreement. Even if you have agreed a payment arrangement with us. If we have agreed an affordable repayment plan with you, pls be assured that this notice does not relate to yr current plan with us. If we need to talk to you about yr repayment plan, we will contact you separately. If you are not currently paying us you should contact us to discuss the status of yr a/c & will help you to agree a repayment plan that suits you. Missed & partly made payments this notice does not give details of missed or partly made payments previously notified whether or not they remain unpaid. Default Sums & Interest you will not incur any default sums or extra interest in relation to the missed or partly made payments indicated above, does not take a a/c of any payments received after the date of the notice. Financial Conduct Authority Information Sheet enclosed with details...Important Information this is not a final demand for payment but a formal statutory notice to notify you that yr a/c is in arrears. Pls be aware that any arrangement we have made with you is not a variation of the terms of yr agreement-we are entitled to relax the terms of yr agreement to help you continue to repay yr a/c based on yr financial situation.
Statement of yr a/c (letter dated 27/10/14 & received 5/12/14) Minimum payments if you make only the minimum payment each month, it will take you longer & cost you more to clear yr balance. If you do not pay offr the full amount outstanding, the way in which payments are allocated can makie a significant difference to the amount of interest you will pay until the balance is cleared completely. Allocation of payments if you don not pay the minimum repayments or the full amount outstanding, we will allocate yr payments to paying off any interest applicable, then any principal balance in arrears & then finally the current principal balance. You have failed to make a minimum payment can mean that you have broken the terms of this credit agreement & could result in us taking legal action against you. It could lead to yr having to pay additional costs & make it more difficult for you to obtain credit in future. Dispute Resolution if you have a problem with yr agreement, pls try to resolve it with us in the first instance. If you are not happy with the way in which we handled yr complaint or the result, you may be able to complain to the Financial Ombudsman. If you do not take up yr problem with us first you will not be entitled to complain to the Ombudsman. If you have any queries relating to yr statement, pls contact us asap
I need urgent advice please...

[Still Waving]

Re: Lovemoney UE Diary

[/COLOR]
[/COLOR][/COLOR][/COLOR]UPDATE...
1/12/14
Letter from SHOOSMITHS LLP SOLICITORS received. We act on behalf of Cabot under instructions from Marlin. Pls treat this letter as notice that, unless an agreement is reached with you within 14days of the date of this letter, instructed by our client to issue a claim in the County Court for recovery of the sums outstanding from you, This means that you may have a CCJ registered against you may affect yr ability to obtain credit in the future. If judgement is obtained then instructed to enforce that judgement which may include an application for a charging order or any other appropriate method of enforcement. Rather than issue court proceedings our client would prefer to find a suitable solution to enable you to repay the sums outstanding to it so pls call us urgently XXXXX. We may be able to agree to accept less than the sum outstanding in settlement of the sums due from you or to agree regular payment instalments based on a review of yr financial circumstances.

5/12/14
Notice of Arrears (letter dated 3/11/14) from Cabot received (5/12/14). We're required to give you this notice in compliance with the CCA 74 because you are behind with yr payments under the terms of the credit agreement.

I need urgent advice please...[/SIZE][/SIZE][/SIZE][/SIZE][/SIZE]

Hi Lovemoney

First of all, the second letter can be ignored - they say "Important Information this is not a final demand for payment but a formal statutory notice to notify you that yr a/c is in arrears".

I think the first letter needs a response. I see from post #877 that you sent a Threat of Litigation response to Marlin on 25/11? It is likely that it didn't get passed to Shoosmiths before they wrote to you on 1/12 (?). Therefore I would think that the same letter should be sent to them, but see what others think.

[Never-In-Doubt]

Re: Lovemoney UE Diary

I'd send shoosmiths a copy of the letter you sent at the end of November.

This is a bank account so hard to argue UE. Shoosmiths are claim happy and might issue a claim. Are you a homeowner?

[Lovemoney]

Re: Lovemoney UE Diary

Thank you for the swift reply.....

I'd send shoosmiths a copy of the letter you sent at the end of November.

Just like to ask send a photocopy of that letter or new letter address it to Shoosmiths

This is a bank account so hard to argue UE. Shoosmiths are claim happy and might issue a claim. Are you a homeowner?

That's why I am worried....unfortunately we are.

[Never-In-Doubt]

Re: Lovemoney UE Diary

Send a copy with a cover note saying "I'm still awaiting a response regards my complaint, please see attached copy"

[Lovemoney]

Re: Lovemoney UE Diary

Send a copy with a cover note saying "I'm still awaiting a response regards my complaint, please see attached copy"

Thanks for that....

I have followed your advise and have sent the letter with cover note by recorded.

Keep my fingers crossed and will keep you updated.

Another thing I've just noticed under their address was printed DxXXXXXX Northampton XX, is that mean they're issuing Claim?

[Still Waving]

Re: Lovemoney UE Diary

Another thing I've just noticed under their address was printed DxXXXXXX Northampton XX, is that mean they're issuing Claim?

Hi Lovemoney

No - they have an office in Northampton and that is just part of their contact information.