Lovemoney UE Diary

[Lovemoney]

Re: Need Advice

UPDATE...
22/2/2016
Letter from Tesco have decided to transfer 'assign' all of our rights in connection with yr a/c to HOIST Portfolio Holding 2 Ltd. HPH2 Ltd has appointed Robinson Way Ltd to manage yr a/c on their behalf.
What this means for you
*Because you don't currently have a repayment arrangement in place & a balance remains on yr a/c, you may be contacted by Robinson Way to discuss yr current circumstances & agree a suitable repayment arrangement.
*Will forward any payments been made after 20/1/16 and Robinson will be deducted from the balance.
*HPH2 Ltd will write to you to provide appropriate contact details should you wish to get in touch.
Pls note, should you have an outstanding query or complaint that is currently being dealt with by Tesco, we'll continue to manage this through to completion. All other queries should now be directed to Robinson.
24/2/2016
Letter from HPH2 Tesco has assigned oall of its respective rights, title & interest in respect of this a/c £3381 to HPH2 effective 20/1/16. Any payments made after will forwarded to HPH2. Under the terms of this assignment, & as defined in the Data Protection Act 98, now we Data Controller of yr Personal Data contained in the records of this a/c & will use yr personal details solely for the purpose of managing yr a/c & collecting the outstanding balance. Robinson has been appointed by HPH2 to mange yr a/c & its essential that all future payments & correspondence be directed to Robinson.
Letter from Robinson attached...a/c details have been passed to us for collection & we want to help you to clear this outstanding balance as with hundreds of thousands of other customer. Our aim to agree an affordable & flexible repayment arrangement with you, by understanding yr individual circumstances.Pls contact us to help you find a suitable solution.

IGNORE FOR NOW & JUST TO SEE WHAT THEY SEND NEXT.

UPDATE...
7/3/2016
Letter from Robinson Range of payment options....Option 1 - Pay £££ per week...Option 4 - Tell us what you can afford (there is no minimum payment). Contact us before 18/3/16 tell us which is the best option for you & first steps to become free of the debt.
17/3/2016
Settlement Offer Letter from Robinson Get in touch with us to tell us about your situation. If don't hear from you, we'll have to make a decision on what happens next to the balance you owe. Options are: *Whether advise our client to instruct Howard Cohen & Co Solicitors to commence legal action against you. *Further collection activity, letters & calls. Would prefer to agree an affordable arrangement & it is not too late. Alternatively our client has confirmed they're willing to accept a single payment £12XX.XX to clear this balance. Pls contact so that we can discuss the best option for you.

[nanna58]

Re: Lovemoney UE Diary

Please let us know when you hear from them next.x

[nightwatch]

Re: Lovemoney UE Diary

Have had the same letter(s), be interesting to see what comes next

[cymruambyth]

Re: Lovemoney UE Diary

I'm waiting for the settlement offers !

[Oct Revolution]

Re: Lovemoney UE Diary

Yeah, me too, rec'd same letters ref my Tesco account - waiting to see what comes next

[Lovemoney]

Re: Lovemoney UE Diary

Please let us know when you hear from them next.x

will do....

[Lovemoney]

Re: Need Advice

UPDATE...
7/3/2016
Letter from Robinson Range of payment options....Option 1 - Pay £££ per week...Option 4 - Tell us what you can afford (there is no minimum payment). Contact us before 18/3/16 tell us which is the best option for you & first steps to become free of the debt.
17/3/2016
Settlement Offer Letter from Robinson Get in touch with us to tell us about your situation. If don't hear from you, we'll have to make a decision on what happens next to the balance you owe. Options are: *Whether advise our client to instruct Howard Cohen & Co Solicitors to commence legal action against you. *Further collection activity, letters & calls. Would prefer to agree an affordable arrangement & it is not too late. Alternatively our client has confirmed they're willing to accept a single payment £12XX.XX to clear this balance. Pls contact so that we can discuss the best option for you.

UPDATE...
23/4/2016
Letter from Robinson..overdue amount remains unpaid despite previous letters & calls. Your a/c now due to be tranferred to Howard Cohen & Co Solicitors in the next 10 days, will consider court action.If court action is taken solicitors will ask the court for an order adding legal costs & interest to the amount you owe will be increased. If you would rather agree an affordable repayment plan directly with us prevent this a/c being passed to Solicitors or you believe have a valid dispute relating to this account pls contact us without delay.

[nightwatch]

Re: Lovemoney UE Diary

did you do a CCA request to Tesco, or who ever had it at the time? if so did you get anything back?
It may be time to send a LBA to Robinson

[Lovemoney]

Re: Lovemoney UE Diary

[/COLOR]
[/COLOR]
#761
UPDATE...
30/7/13
Letter from DLC received. Thank you for yr letter dated 19/7 in relation to the a/c. We can confirm & advise the following:- The balance on yr a/c is a debt which has been properly incurred by you under an agreement signed by you & regulated by the CCA. Hillesden is a trading Co which has been registered with Companies Hs4e since 7/92. It is not registered as dormant as you have stated in yr letter. Our registeration no is XXXXX. I note that on 30/3/12 you made a request for information under the CCA 74. We have made request from LLoyds TSB for this information, due to thre age of the a/c the original executed agreement & statement are currently unavailable; pls find enclosed a copy of transaction to date from our system since our acquisition.
Whilst we may not be able to enforce the agreement, the monies remain outstanding. The agreement or any monies pd has not been made illegal or void because of our current failure to supply a copy of the original agreement. We are prevented from taking steps to enforce the credit agreement but the underlying obligation to repay, remain intact. The ruling in the case of McGuffick V RBS clarified the numerous interpretations of what is considered "enforcement". Should you want to view the Judgment in its entirety, it is easily accessible via the Internet. The demanding of payment is not considered enforcement & purely a step taken prior to the commencement of proceedings, therefore yr a/c will remain with our collections dept. for collection activity to continue. As payment have been made towards the balance outstanding, we are under the assumption that yr liability in this matter is not in question. Trust the above information resolves this matter, however, if you require any further clarification pls do not hesitate to contact our office.
Any advice on what I should do next.

UPDATE...
29/3/16
Letter from DLC received. 1/3/16 ME III Ltd bought yr a/c from Hillesden. ME III & Hillesden (dlc) are both part of the Cabot Credit Management Group. Although ME III are the legal & beneficial owners of yr a/c, you should continue to communicate with and make payments to yr current servicer. Currently paying you don't have to do anything, dealing with a third party debt management continue to deal with them & plan will remain in place. Not currently paying we would like to speak to you to discuss yr a/c, call us so we can agree an affordable solution with you that tailored to yr financial situation & personal circumstances.

[nanna58]

Re: Lovemoney UE Diary

I think that "we cannot enforce and cannot find docs letter" must be kept very safe. They may pass on and on but without the paperwork they are trying it on.I think I wouldn't do anything , deffo not contact them, unless someone says otherwise. xxxxxxx

[Pixie]

Re: Lovemoney UE Diary

UPDATE...
23/4/2016
Letter from Robinson..overdue amount remains unpaid despite previous letters & calls. Your a/c now due to be tranferred to Howard Cohen & Co Solicitors in the next 10 days, will consider court action.If court action is taken solicitors will ask the court for an order adding legal costs & interest to the amount you owe will be increased. If you would rather agree an affordable repayment plan directly with us prevent this a/c being passed to Solicitors or you believe have a valid dispute relating to this account pls contact us without delay.

Have you sent any letters at all to Robinson Way? If not, I'd be sending one now. If it were me I wouldn't be sending the LBA yet as a LBA can only come from a solicitor but I would be sending a SWID asap. If you hear from Howard Cohen in the meantime then send the LBA.

UPDATE...
29/3/16
Letter from DLC received. 1/3/16 ME III Ltd bought yr a/c from Hillesden. ME III & Hillesden (dlc) are both part of the Cabot Credit Management Group. Although ME III are the legal & beneficial owners of yr a/c, you should continue to communicate with and make payments to yr current servicer. Currently paying you don't have to do anything, dealing with a third party debt management continue to deal with them & plan will remain in place. Not currently paying we would like to speak to you to discuss yr a/c, call us so we can agree an affordable solution with you that tailored to yr financial situation & personal circumstances.

I'm assuming that you've kept the "we don't have the agreement" letter very safe. As this account has just been transferred within the group I think you can ignore it. Let us know what you get next,

[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.
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.
16/9/2013
Account Sold whilst in Dispute - allaboutDEBT UK sent by recorded.
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.
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
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.22/2/2016
Letter from Tesco have decided to transfer 'assign' all of our rights in connection with yr a/c to HOIST Portfolio Holding 2 Ltd. HPH2 Ltd has appointed Robinson Way Ltd to manage yr a/c on their behalf.
What this means for you
*Because you don't currently have a repayment arrangement in place & a balance remains on yr a/c, you may be contacted by Robinson Way to discuss yr current circumstances & agree a suitable repayment arrangement.
*Will forward any payments been made after 20/1/16 and Robinson will be deducted from the balance.
*HPH2 Ltd will write to you to provide appropriate contact details should you wish to get in touch.
Pls note, should you have an outstanding query or complaint that is currently being dealt with by Tesco, we'll continue to manage this through to completion. All other queries should now be directed to Robinson.
24/2/2016
Letter from HPH2 Tesco has assigned oall of its respective rights, title & interest in respect of this a/c £3381 to HPH2 effective 20/1/16. Any payments made after will forwarded to HPH2. Under the terms of this assignment, & as defined in the Data Protection Act 98, now we Data Controller of yr Personal Data contained in the records of this a/c & will use yr personal details solely for the purpose of managing yr a/c & collecting the outstanding balance. Robinson has been appointed by HPH2 to mange yr a/c & its essential that all future payments & correspondence be directed to Robinson.
Letter from Robinson attached...a/c details have been passed to us for collection & we want to help you to clear this outstanding balance as with hundreds of thousands of other customer. Our aim to agree an affordable & flexible repayment arrangement with you, by understanding yr individual circumstances.Pls contact us to help you find a suitable solution.

Really appreciate all the advice and suggestions i received.

I've quoted above to shows the SWID which I've sent to all debt collection agencies been passed on. Pixie just like to ask would you recommend me resend SWID to Robinson. If you think so could you send me a linky than i can get it prepare and send it out asap thanks.

[Lovemoney]

Re: Lovemoney UE Diary

[/COLOR]
[/COLOR]UPDATE...
30/7/13
Letter from DLC received. Thank you for yr letter dated 19/7 in relation to the a/c. We can confirm & advise the following:- The balance on yr a/c is a debt which has been properly incurred by you under an agreement signed by you & regulated by the CCA. Hillesden is a trading Co which has been registered with Companies Hs4e since 7/92. It is not registered as dormant as you have stated in yr letter. Our registeration no is XXXXX. I note that on 30/3/12 you made a request for information under the CCA 74. We have made request from LLoyds TSB for this information, due to thre age of the a/c the original executed agreement & statement are currently unavailable; pls find enclosed a copy of transaction to date from our system since our acquisition.
Whilst we may not be able to enforce the agreement, the monies remain outstanding. The agreement or any monies pd has not been made illegal or void because of our current failure to supply a copy of the original agreement. We are prevented from taking steps to enforce the credit agreement but the underlying obligation to repay, remain intact. The ruling in the case of McGuffick V RBS clarified the numerous interpretations of what is considered "enforcement". Should you want to view the Judgment in its entirety, it is easily accessible via the Internet. The demanding of payment is not considered enforcement & purely a step taken prior to the commencement of proceedings, therefore yr a/c will remain with our collections dept. for collection activity to continue. As payment have been made towards the balance outstanding, we are under the assumption that yr liability in this matter is not in question. Trust the above information resolves this matter, however, if you require any further clarification pls do not hesitate to contact our office.

I think that "we cannot enforce and cannot find docs letter" must be kept very safe. They may pass on and on but without the paperwork they are trying it on.I think I wouldn't do anything , deffo not contact them, unless someone says otherwise. xxxxxxx

I'm assuming that you've kept the "we don't have the agreement" letter very safe. As this account has just been transferred within the group I think you can ignore it. Let us know what you get next,

Just Checked I've got above letter, good job I listen to the expert and kept it very safe...

[Never-In-Doubt]

Re: Lovemoney UE Diary

Really appreciate all the advice and suggestions i received.

I've quoted above to shows the SWID which I've sent to all debt collection agencies been passed on. Pixie just like to ask would you recommend me resend SWID to Robinson. If you think so could you send me a linky than i can get it prepare and send it out asap thanks.

Id not respond at this stage. It's UE. Let them bark all they want.


Sit tight

[Never-In-Doubt]

Re: Lovemoney UE Diary

Just Checked I've got above letter, good job I listen to the expert and kept it very safe...

Awesome. Keep it safe and do not respond to anyone regards this account unless a claim is issued as its confirmed as UE so it gives you an awesome defence.

Responding could force them to generate a recon and bring it back into an enforceable state.

Tactics. It's all tactics.

Sit tight