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Re: Lovemoney UE Diary
UPDATE...
23/12/14
Letter from SHOOSMITHS LLP SOLICITORS received (30/12/14). Referred the contents of yr letter to our client & are awaiting further instructions towards the same. Once we have received a response we will refer back to you.
Originally posted by Lovemoney
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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
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.
25/11/14
Threat of Litigation template send by recorded. refer #874
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. 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) 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.
10/12/14
Threat of Litigation template (25/11/04 to Marlin) with cover note sent by recorded. refer #881 & #883
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
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.
25/11/14
Threat of Litigation template send by recorded. refer #874
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. 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) 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.
10/12/14
Threat of Litigation template (25/11/04 to Marlin) with cover note sent by recorded. refer #881 & #883
UPDATE...
23/12/14
Letter from SHOOSMITHS LLP SOLICITORS received (30/12/14). Referred the contents of yr letter to our client & are awaiting further instructions towards the same. Once we have received a response we will refer back to you.
Users\Guest1\AppData\Local\Temp\msohtmlclip1\01\cl ip_image001.gif[/img]they keep sending me Application Form (Priority Request Form) with separate copy of term & conditions of use (without signature)[img]file:///C
.....would look at sending the missing PT’s template as the PT’s are not complete.
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