Lovemoney UE Diary

[Lovemoney]

Re: Lovemoney UE Diary

LLOYDS TSB (CREDIT CARD)
HUSBANDS

17/12/2007 BALANCE: £427.77
reminder in arrears £1 payment required agreed under the instalment plan.

22/1/2008
received threat letter from Credit Security Ltd(debt enforcement office) demand full payment immediately failure will result dc calling or ccj.

5/2/2008
received threat letter from Credit Security Ltd documents for legal action now being prepared blah blah...

30/8/2009
received letter from Robinson Way & Co for formal demand payment more threat.

9/9/2009
cca request sent.

16/9/2009
replied saying request for a copy of cca be directed to them (lloyds tsb) a/c has been placed on a temporary delay until receive cca by lloyds tsb.

25/11/2009
received letter saying in view of my recent query & comment, we have today removed your a/c from our files, & returned my case to lloyds tsb who will deal directly with me in the future. lloyds tsb has been made aware of the reason why a/c is being closed & returned.

8/7/2011
received letter from tsb & dlc have assigned all tittle and interest including the outstanding bal to Hillesden Securities Ltd. Under the term assigment, as defined Data Protection Act 1998. DLC has been appointed by Hillesden to manage my a/c and future payments and correspondence.

22/7/2011
received letter from dlc telephone to discuss for payment options(f&f settlement or monthly paments).

27/7/11
send in proposal, hardship difficulties & budget sheet.

8/8/11
received Notice of Debt Recovery from dlc.

6/9/11
received letter from Alplin(Solicitor) instructed by??? to recover the outstanding balance in full or reach agreement within 7days legal proceedings.

8/9/11
received bank details from dlc to set up standing order.

7/11/11 balance: £417.77
received Notice of Sums in Arrears.

6/1/12
received annual statement of a/c £415.77 from dlc.

26/3/12
cca request sent DLC (latest dca).

18/4/12
received reply (but letter dated 2/4/12) saying still awaiting from original lender (Lloyds) when these become available will be forwarded to me. If unable to forward original agreement will be able to supply a true copy which comply with section 77-79 of the Consumer Credit Act 1974 rulling in the case of McGuffick V RBS judgement dated 6/10/09 in relation to "what is considered enforcement", the judgement stated that the bringing of proceedings is not enforcement. It follows that demanding payment is step taken prior to the commencement of proceedings & therefore not considered enforcement. We will continue to report the account status to the CRA as this is also not considered as enforcement. Whilst may not be able to enforce the agreement until the documentation is provided, the monies remain outstanding and ther underlying obligation to repay remains intact. In view the above judgement a/c remain with collection department for collections activity to continue. will update on developments in 21 days if there are no developments beforehand. Refer #138 just keep a hold of that letter & wait & see what happens next

10/1/13
Received annual statement of a/c £403.77 from dlc.

1/2/13
Letter from DLC received today (6/2/13). ARREARS NOTIFICATION...you have not kept to the arrangement that we agreed for repaying yr debt, and are now in arrears of £403.77. Pls settle yr arrears without delay, to avoid possible legal action. If for any reason you are unable to make payment, or would like to re-negotiate the payment plan, pls telephone us to discuss the matter. We want to reassure you that we're fully aware of the financial difficulties that you may be facing during this difficult period. and have embraced a policy of fair & realistic treatment for all for our customer.

27/2/13
Letter from DLC We are following up yr request for a copy of the original documentation (CCA) with the original lender. When this becomes available we will forward a copy to you. Should you require anything further at this point pls contact me. I will update you on developments in 21 days if there are no developments beforehand.

1/2/13
Letter from DLC We have chosen to send you this letter as someone who may be struggling to manage yr credit commitment. One of the impacts of the "credit crunch" has been an individual's ability to obtain credit, particularly mortgages, with lenders scrutinising applicants' credit history & payment records much closer. In the future, credit is only likely to be available to individuals with good credit history or those that can display positive efforts to pay off their defaulted a/c. Therefore we can offer you a choice of two options to improve yr situation: £10 per mnth by d/debit OR If you pay 75% of the balance within 21 days, we will write off the remaining balance or alternatively contact us on XXXXXXXX to discuss other repayment options. Our re-payment plans are subject to regular review. If you would like to discuss what other opportunities are available to you to settle the outstanding balance pls call or email us.

10/4/13
Letter from DLC received (4/5/13). We are following up yr request for a copy of the original documentation (CCA) with the original lender. When this becomes available we will forward a copy to you. Should you require anything further at this point pls contact me. I will update you on developments in 21 days if there are no developments beforehand.

12/4/13
Letter from DLC We have managing yr a/c since xx/x/xx. You have been making regular payments, but yr balance is still outstanding. To assist you in clearing the remaining balance in the shortest possible time, we would ask that you contact one of our telephone negotiators to discuss a revised payment plan. We maybe able to offer a discount for early settlement, allowing an early update of any entries registered by DLC with the CRA, Upon payment of any settlement balance the entries will be updated as 'partially settled' this would have a positive impact on this particular entry registered on yr credit file. Your current repayment plan has reached the end of its term & it is therefore important that you respond to this letter. Failure to do so could result in the withdrawal of instalments rights on this a/c.

1/5/13
Letter from DLC received (4/5/13). We are following up yr request for a copy of the original documentation (CCA) with the original lender. When this becomes available we will forward a copy to you. Should you require anything further at this point pls contact me. I will update you on developments in 21 days if there are no developments beforehand. refer #723 ignore

22/5/13
Letter from DLC received. We are following up yr request for a copy of the original documentation (CCA) with the original lender. When this becomes available we will forward a copy to you. Should you require anything further at this point pls contact me. I will update you on developments in 21 days if there are no developments beforehand.

30/5/13 BALANCE: £403.77
Letter from MDB LTD (MERCANTILE DATA BUREAU) received (4/5/13). I have been instructed by DLC an associated company of MDB Ltd, to contact you about the unpaid debt. Yr a/c has been transferred to me due to yr continued failure to discharge yr current liability. All future contact relating to yr a/c should now be with me. I would like to give you the opportunity to discuss yr a/c with me before we undertake any action with yr a/c. I will take into consideration yr current financial circumstances & outline the many options available to help resolve this matter. I urge you to contact me today to conclude this matter as quickly as possible.

5/6/13
Account Sold whilst in Dispute sent (MBD) by recorded.

11/6/13
Letter from DLC received. We are following up yr request for a copy of the original documentation (CCA) with the original lender. When this becomes available we will forward a copy to you. Should you require anything further at this point pls contact me. I will update you on developments in 21 days if there are no developments beforehand.

18/6/13
Letter from DLC received (21/6/13). Thank you for yr letter dated 5/6 regarding the above a/c, which has been referred to me by our appointed agent MDB. Hillesden as DLC acquired the above a/c from Lloyds on 28/1/11. We recently appointed our agent MDB to collect the a/c balance on behalf. We received yr CCA request in our office on 30/3/12 & a letter was sent to you at that time to acknowledge receipt of yr request. We referred to Lloyds for a copy of the a/c documentation & still await receipt of this. Pls note that the purpose of a CCA request is to provide information about the a/c to the customer & is not to prove a properly executed agreement exist or to be used as tool to withhold payment. Pls find enclosed a copy of the statement of a/c from our systems showing payment we have received on the a/c up to 28/12/12. Due to this, we assume yr liability ion this matter is not in question. we deny that any harassment has taken place within the meaning of section 1 of the Protection from Harassment Act 1997 or under section 40 of the Administration of Justice Act 1970. It is entirely reasonable for us, as the creditor, to communicate directly with the customer in relation to the repayment of an agreement entered into, especially where the customer is not legally represented. Of course, where a customer is legally represented we do communicate with the solicitors directly. Whilst we may not be able to enforce the agreement at this time, 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, remains intact. Pls contact our appointed agent to arrange further payments to the a/c. Should you be experiencing financial hardship at this time, pls provide our agent with details of yr current monthly I&E so an appropriate payment plan can be agreed. We would like to take this opportunity to advise that all our agents are trained to understand & empathise with our customer' financial difficulties & work to a policy of fair & realistic treatment for all. refer #716 ignore for now

19/6/13
Letter from MDB received. Unfortunately I have not had a response to my recent letter. This is disappointing as I wanted to give you the opportunity to resolve this matter without the need for a further third party to become involved. Part of my a/c management process involves profilling a/c to pass to doorstep specialists, who may arrange to visit yr home. However, should my enquiries show that you are a home owner or employed/self employed, a third party may be instructed immediately to begin further collection activity. I assume you would rather this together with the additional costs, and therefore strongly advise to ring me today on XXXXXXXXXX.

2/7/13
template-letters threat-of-doorstep-visit sent.

2/7/13
Letter from DLC received (5/7/13). We are following up yr request for a copy of the original documentation (CCA) with the original lender. When this becomes available we will forward a copy to you. Should you require anything further at this point pls contact me. I will update you on developments in 21 days if there are no developments beforehand.

10/7/13
Letter from DLC received (12/7/13). Yr letter dated 25/6/13 addressed to MDB regarding the above a/c has been referred to our offices for attention. We acknowledged yr request for our company to cease contact via telephone in 9/2011; there is no evidence we have contact you other that by letter since that date. Should you have documentary evidence of recent attempts to contact you, pls provide this so the matter can be investigated. Pls note if you do not keep a regular dialogue with us regarding this a/c & update us accordingly, we may choose to re-instate yr contact tel no. to continue collection activity on the a/c when required. If re-instated, you will have a right to object to this processing only if it causes unwarranted & substantial damage or distress. You must provide yr objections i writing under secction 10 of the DPA 1998. You are not correct in yr assertion that our external agents can only call at you home if you agree to make an appointment. The debt is not reasonably disputed or deadlocked & our agents would give you reasonable notice of the timing of any intended visit which is all that is required. We request you now contact MDB to arrange payment of the a/c balance. As we have received payments to the a/c in the past, we assume yr liability in this matter is not in question.

19/7/13
Miss Muddle's UE Diary - Page 8 - allaboutFORUMS sent by recorded (23/7/13). refer #735

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. refer #762-#767 ignore and see what they do next keep letter very safe

[Lovemoney]

Re: Lovemoney UE Diary

EGG (CREDIT CARD)
ACCOUNT SOLD TO CAPQUEST & AKTIV KAPITAL
BALANCE: £11344.81
HUSBANDS

25/7/2007
received standing order details, £1 on 11/8/07 same day each month until 11/12/16 payment of 0.00 is made.

8/8/2008
received standing order details, £1 on 16/10/08 same day each month until 16/4/50 payment of 0.00 is made.


9/9/09
sent cca request.

22/9/9
received capquest letter saying no longer dealing with the a/c.

29/9/09
received capquest letter saying 20/7/09 were notified to return a/c to egg and confirm all payments forwarded over to egg.

19/10/09
received letter from ARC(credit management) contact within 14days to make f&f, if not threat further legal action.

24/5/10
received letter from Mackenziehall(debt recovery & trace consultants) saying collect money on behalf Aktiv Kapital(new owner dca) and make f&f settlement.

15/7/10
received Reduced Settlement Offer of £8492.86 by 25/7/10 from Mackenziehall.

18/9/10
send in proposal, hardship difficulties & budget sheet.

18/2/11
received letter from AKTIV saying like to help contact for a payment plan or discount offer.

15/3/11
response to proposal, hardship difficulties for review position request forward copy evidence dr letter for example.

15/4/11
received letter from Aktiv saying need to see Medical Evidence of illness, a dr letter is adequate.

12/5/11
send in proposal, hardship difficulties & budget sheet and with dwp medical condition/disabilities letter.

23/5/11
letter saying unable to write off, in effort to help prepared accept nominal payments.


26/3/12
sent cca request.

18/5/12
cca received emailed (on the cover letter saying whilst we wait on your response, please be advised that this a/c remains on hold).

22/5/12
Niddy says based on the fact it's a damn good recon by the looks of it is
however that said it still isn't signed or anything so definitely
worth blagging by sending MPT letter.


22/5/12
MPT letter send. (#208 advice carry on paying £1)


28/5/12 Balance £11322.81
reply saying refer to further information regarding agreement will contact the original creditor to provide the information that you require in an effort to resolve this matter. Due to the fact that we have to try to obtain documents from the OC we may be unable to do so, yr a/c is on hold and has been removed from the collection process whilst we await the requested information.

28/7/12
received letter from Aktiv Kapital refer to previous communications, would like to confirm that we are still waiting for information to be supplied to ourselves in order to resolve yr query. Your a/c continues to remain on hold, whilst we await this information.

20/9/12
Letter from Aktiv Kapital received today (27/9/12) refer to previous communications, would like to confirm that we are still waiting for information to be supplied to ourselves in order to resolve yr query. Your a/c continues to remain on hold, whilst we await this information.

20/10/12
Letter from Aktiv Kapital received today (25/10/12) refer to previous communications, would like to confirm that we are still waiting for information to be supplied to ourselves from the original creditor. This information is required by ourselves in order to resolve yr query. Your a/c continues to remain on hold, whilst we await this information. Just file it. *refer #484

13/12/12
Letter from Aktiv Kapital received today (17/12/12) refer to previous communications, would like to confirm that we are still waiting for information to be supplied to ourselves from the original creditor. This information is required by ourselves in order to resolve yr query. Your a/c continues to remain on hold. Should you require any additional information pls contact our Customer Service Department on XXXXXXXXXXX.

12/1/13
Letter from Aktiv Kapital received (16/1/13) like to confirm to you that we are still waiting for information to be supplied to ourselves from the original creditor. This information is required by ourselves in order to resolve yr query. Yr a/c with us continues to remain on hold, whilst we await this information. Should you require any additional information pls contact our Customer Service Department on XXXXXXXXXXX. (Refer #618 £1 S/O cancelled 17/1/13)

5/2/13
Letter from Aktiv Kapital received today(18/2/13). We write following yr recent communication regarding the above mentioned a/c. In order to resolve this matter, we contacted the original creditor requesting documentation pertaining to the above a/c. In view of the age this a/c however, they are no longer able to supply the documents requested & we therefore request yr proposals by return.

7/4/13
Letter from Aktiv Kapital received (12/4/13) like to confirm to you that we are still waiting for information to be supplied to ourselves from the original creditor. This information is required by ourselves in order to resolve yr query. Yr a/c with us continues to remain on hold, whilst we await this information. Should you require any additional information pls contact our Customer Service Department on XXXXXXXXXXX.

2/6/13
Letter from Aktiv Kapital received (6/6/13) like to confirm to you that we are still waiting for information to be supplied to ourselves from the original creditor. This information is required by ourselves in order to resolve yr query. Yr a/c with us continues to remain on hold, whilst we await this information. Should you require any additional information pls contact our Customer Service Department on XXXXXXXXXXX.

2/7/13
Letter from Aktiv Kapital received (3/7/13) like to confirm to you that we are still waiting for information to be supplied to ourselves from the original creditor. This information is required by ourselves in order to resolve yr query. Yr a/c with us continues to remain on hold, whilst we await this information. Should you require any additional information pls contact our Customer Service Department on XXXXXXXXXXX.

[Lovemoney]

Re: Lovemoney UE Diary

GOLDFISH (CREDIT CARD)
HUSBANDS

OUTSTANDING BALANCE: £12754.65
CREDIT AGREEMENT DATE: 7/11/97
ACCOUNT SOLD TO DCA: THAMES CREDIT LTD

7/11/2007
received letter from Thames credit Ltd saying not committed any payment, list out some options plan, contact within 20days if not threat further legal action.

19/12/2007
our proposal £1 token payment been accepted with bank details to set up standing order.

8/9/2008 Balance £12817.25
received letter saying our co. Aktiv Kapital Group make short and sweet to help valuable customer balance £12817.25 will accept £150 in f&f settlement.

24/3/2009 Balance £13981.17
received letter from Aktive Kapital pleased agreed repayment plan with the standing order details.

9/7/2009
sent cca request.

21/7/2009 Balance £13973.17
replied saying they purchased the right to recover the outstanding balance due under the agreement, and try obtain documents from original creditor.

24/9/2009
delay obtain cca from original creditor (Goldfish)

5/10/2009
sent in a complaint failed to supply me a copy of cca.

6/10/2009 Balance £14552.74
cca recieved will email to Niddy later when I finish posting.

?????
receive annual statement 1/10/08-31/1/10 from Aktiv Kapital. A/c summary opening bal:£12817.25 total payment received £19 interest rate(p/a) 8.00%=£2008.14 closing bal:£14806.39

2/4/2010
send in proposal, hardship difficulties & budget sheet.

23/4/2010
received letter saying we didn't mention a specific amount payment by monthly installments.

10/5/2010
resent a letter for £1 token payment offer.

18/5/2010 Balance:£15164.83
confirm offer been accepted, will review plan regulary.

24/11/2010
repayment plan due to review.

20/2/11
send in proposal, hardship difficulties & budget sheet.

11/3/11
repayment plan due to review request reply with financial statement.

25/5/2011
confirm offer been accepted, will review 6 months.

21/6/2011
complaint to FOS unhappy with the default charges since 2006.

9/7/2011
received letter from barclaycard with the schedule of charges document 8/6/05-8/6/11 total charges £420+statutory interest £176.54 will refund to chosen bank a/c.




21/3/2012
Niddy confirmed

26/3/2012
MPT letter sent.

[Lovemoney]

Re: Lovemoney UE Diary

CAPITAL ONE (CREDIT CARD)
ACCOUNT SOLD TO DCA: CAPQUEST & FREDRICKSON INT.
HUSBANDS

18/1/2008
reduced payment arrangement of £1 ended request income & expenditure and some proof document.

21/11/2008
received notice of sums in arrears. missed £1 payment =£8767.60 became due:17/10/08, £9069.44 became due:16/11/08 (between 1 month sums gone up £300 different??? must added unfair charges).

5/4/2009
reduced payment plan due to end request income & expenditure and some proof document.

24/4/2009
received bank details for set up standing order and informations (rules) on the two payment plan 1. Short term payment plan......... 2. Long term payment plan......

21/5/2009
received notice of sums in arrears. missed £1 payment =£10089.71 became due:16/4/09, £10088.71 became due:17/5/09.

26/5/2009
reduced payment arrangement of £1 ended request an update income&expenditure, prepared set up a payment plan for six months, ongoing payment £1 for next 6mnths. Interest and default sums will no be added.

23/7/2009
cca request sent.

17/8/2009
replied saying under data protection act 1998 request £10 fees for cca documents.

4/11/2009
reduced payment arrangement of £1 ended request income & expenditure and some proof document.

Notes: Sorry got some paperwork missing in between.

21/1/10 (Debts sold to capquest dca)
send in proposal, hardship difficulties & budget sheet.

27/1/2010 Balance:£10079.71
confirm offer been accepted and offer 71.00% settlement amount to pay £7156.59 pay by 2/2/10.

26/3/2012
cca request sent. (Direct from Capital One)

6/4/2012
received a reconstituted copy of original Credit Agreement (cover letter dated 6/4/2012) Emailed Niddy

30/4/2012
Niddy confirmed MPT letter sent. (#151)

15/5/2012
received reply from Capital One saying previously provided with a copy of yr defaulted t&c and a reconstituted copy of orginal agreement, together with a scanned copy of signature page of original agreement with a statement. We have fully complied with the requirements of S78 of the CCA. You have failed to state why you allege that the Agreement is improperly executed pursuant to Section 61(1). The Agreement was properly executed pursuant to Section 61(1):
a) in the prescribed form and contains all the prescribed terms, conforms to the regulations under Section 60(1) of the Act and has been signed in the prescribed manner by the Claimant & Defendant.
b) embodies all the terms of the agreement, other than implied terms; and
c) when presented to the debtor was in such a state that all its terms were readily legible........
Review of the full agreement will no doubt agree contains all the prescribed terms and therefore fully enforceable.

23/5/2012
received HL LEGAL SOLICITORS letter (dated 19/5/12) TAKE NOTICE that if you fail to repay the arrears on the arrangements you have made of £2.00 by 28/5/12 Court proceedings may be issued against you for £10052.71 plus further costs that will be added. Furthermore, if you commence payments and fail in your commitments in future without good cause or reason, further action may commence without further notice.

29/5/2012 Balance £10052.71
received letter from Capquest further to yr recent communication we can confirm acceptance of this as follow: Instalment Amount £1 payment to be received by 27 Jun 12 failure to comply with the above will make the full balance become immediately payable and may then be liable for legal action, which if successful would increase yr liability to £10277.71. Due to low repayment amount able to offer the following settlement figure....settlement offer 71% of the balance outstanding = £7137.42 must be received by 4/6/12.

28/6/2012 Balance £10052.71
received letter from Capquest prior to the start of legal proceedings various checks & validations are undertaken to establish facts around yr current circumstances. There are outstanding CCJ's registered against you are in excess of three yrs old & this is the reason corresponding with you & highlighting this as a matter of urgency indicates to us that you may be attempting to repair yr credit file. If we were to start the legal process & Judgment is awarded it will remain on your credit file for 6 yrs could have a damaging affect on yr ability to obtain credit now & future like simple credit agreement such as mobile phone contract blah blah.... We are not seeking an immediate payment in full; can offer many repayment methods that can be designed around yr current circumstances which may include possible settlements that will save you money, do contact on XXXXXXX before 7/7/12. (Ref #299 & #301).

12/7/2012
received letter from Capquest with regret you have chosen not to deal with this matter despite previous communication. In an attempt to assist you in clearing your indebtedness we would like to offer you the opportunity of making a final payment of £7137.43 within yourinterest to contact this office by 25/7/12, Failure to contact this office by the stipulated date will mean that your a/c will be progressed through our pre-litigation system, then be passed to our solicitors for legal action on or about. Should the litigation process be instigated & a judgment is granted we would seek an Order of the Court successful & it is necessary to enforce such a Warrant of Execution, a Court Enforcement Officer (Bailiff) will be assigned to attend yr address & carry out the Warrant. The Bailiff will take an inventory & may levy goods & you will be asked to sign a Walking Possession Agreement means the goods that have been seized can be removed authorised for sale to pay the debt & cost. All of this action is avoidable, your interest to prevent the course of action by contacting us immediately, failure to respondby the date outlined may result in legal action being instigated.

16/7/2012
Threat by Creditor - Threat-o-Gram Letter Before Action sent(refer #323 & #326).

28/7/2012
received reply from Capquest in response to yr recent letter the contents of which have been noted. Unfortunately unable to comment on the dispute you have raised as this was prior to our involvement & at the time the a/c was passed to us we were unaware of any existing query. Therefore we are closing the a/c on our system.(#369)

9/8/2012
received A letter from FREDRICKSON INTERNATIONAL LTD...have been instructed by Capital One who have passed this a/c to us for collection of the outstanding balance. As we have been appointed as thier agent you should now make sure you contact and not Capital One. We are authorised to contact you to secure repayment of the debt. You have failed to pay the balance of £10052.71 which remains outstanding despite previous repeated requests for payment. Our client now requires payment in full to avoid further action. YOU MUST CONTACT INNEDIATELY to discuss the matter further. For your convenience payment can be accepted by debit card, credit card or cheque.

13/8/2012
Account Sold whilst in Dispute template sent.

23/8/2012
reply received from FREDRICKSON INTERNATIONAL LTD...have referred the matter to our client & will revert to you as soon as we are in receipt of instructions. In the meantime, we confirm that we have placed the account on hold. *IGNORED*

30/8/2012
Letter from FREDRICKSON INTERNATIONAL LTD received today(1/9/12). We have taken our client's instructions relatng to the contents of your letter & they have advised that they responded to yr request for documents under section 77-79 the CCA 1974 on the 5/4/12. Our client has advised that if yr would like to request these documents again then this should be made to our client directly with the statutory fee. In the meantime, we confirm we have placed yr client's a/c on hold for 14 days & look forward to hearing from you with yr payment proposals. (see what they do next #412)

14/9/2012
Letter from FREDRICKSON INTERNATIONAL LTD received today(17/9/12). LETTER BEFORE ACTION...this debt must be paid in full to these offices within the next 7days otherwise we will take immediate actionl. Remains a balance outstanding on this a/c & legal action is now being considered. Should it be necessary to issue proceedings in the County Court (or Sheriff Court as may be appropriate), further additional costs will be added. If a Judgement or Decree is obtained & remains unsatisfied a bailiff or sheriff officer may be instructed to recover assets to discharge the outstanding debt. Judgment debts are registered by the Court, against you would seriously affect yr ability to obtain credit in the future. Payment can be accepted by xxxx or xxxx. *IGNORE & SEE WHAT THEY DO NEXT #437*

20/9/2012
Yellow card from FREDRICKSON INTERNATIONAL LTD received today(24/9/12). CONFIRMED RESIDENT...This a/c is seriously in arrears & you have failed to reply to correspondence or make a payment arrangement despite trace enquiries showing you as living at this address. Contact us now on XXXXXX to arrange a payment or yr a/c will be passed to solicitors with authorisation to proceed with immediate litigation proceedings against you at the above address.

24/9/2012
Threat by Creditor - Threat-o-Gram Letter Before Action (Refer#450)sent.

4/10/12
2 letters in 1 envelope from FREDRICKSON INTERNATIONAL LTD received today(8/10/12).
Letter 1 (dated 4/10/12) Thanks you for yr communication regarding this a/c. We have referred the matter to our client & will revert to you as soon as we are in receipt of instructions.
Letter 2 (dated 5/10/12) Write in response to yr recent letter. We have taken our client's instructions & they have advised us that they wrote to you on 15/5/12 confirming that they have complied with their obligation under s78 to provide you with a copy of the executed agreement & further advised you that no further correspondence in relation to the provision of the copy agreement will be entered into. Hope this clarifies the matter & we look forward to receiving proposals of payment to discharge outstanding balance within the next 7 days failing which further action may commence.

12/10/12
Final Response - Unenforceable (General) sent (by recorded). *Refer #459

27/10/12
Letter received from FREDRICKSON INTERNATIONAL LTD... just contact us about the above a/c (lost the letter accidently bin it).

5/11/12 BALANCE £10052.71
Letter received (6/11/12) from Bryan Carter Solicitors (same address with Fredrickson). We write with regard to this outstanding debt. Payment must be made in full within the next 14 days failing which we will recommend to our client that proceedings be issued without further notice. Should proceedings be issued, additional charges will be added to the existing balance...Outstanding Balance to pay now £10052.71+Interest £804.22+Court fee £190.00+Solicitor Costs £100.00=New Balance IF proceeding are issued £11146.93. If you dispute liability for this debt pls state yr reasons in writing & supply us with documents in support of yr defence to any claim. Before the a/c us referred to us to litigate you still have an opportunity to contact FREDRICKSON with yr payment proposals. In order to avoid further action you should tel them immediately on XXXXXXXXX. This is a serious matter & you may wish to seek independent legal advice. (Advice Refer #507)

12/11/12
Letter sent (allaboutFORUMS - View Single Post - Slickfm UE Diary [uploaded for Niddy to look & approved] by recorded)

16/11/12
Received letter (dated 14/11/12) from Bryan Carter Solicitors. Tnx for yr letter dated the 8/11/12, the content has been noted. We believe that our client has complied with the Pre-Action Protocol so far as it applies to this matter. In relation to yr request for documents, this a/c is regulated by consumer credit legislation. It is our client's policy to provide agreements to its customers at the point of contract & statements throughtout & therefore you have already been provided with validation of the debt. Our client confirms that they have fulfilled their obligations under section 78 of the CCA 1974 & the debt remains enforceable. For the avoidance of doubt however the monies due may be paid to us by direct debit, bank S/O, cash & etc... Pls see our notepaper for details of our address & tel no. You may contact us between XXXXXXX. We confirm that a list of organisations where independent advice could be obtainede was provided on the overleaf of our client's agent's notepaper. We look forward to hearing from you with yr payment proposals within 21 days. Pls note should we not hear from you by 5/12/12 collection activity may resume.

23/11/12
Unenforceability Templates | Repeated Threat by Creditor - Enough is Enough Response sent by recorded (26/11/12). *Refer #514

5/12/12
Received letter (dated 3/12/12) from FREDRICKSON. We thank you for yr communication regarding this a/c. We have referred the matter to our client & will revert to you as soon as we are in receipt of instructions. In the meantime, we confirm that we have placed the a/c on hold. *Refer #539 SEE WHAT THEY DO NEXT

3/1/13
Letter from FREDRICKSON rerceived today (5/1/13). Despite a recent letter from Bryan Carter Solicitors you have failed to discharge yr debt with our client Capital 1. We are prepared to offer you one final opportunity to pay before recommending to our client that they instruct solicitors to issue a claim at XXXXXXX. At this stage4, and as a gesture of goodwill, we are prepared to accept a full & final settlement on this a/c provided that you contact us on XXXXXXX within 48hrs of receipt of this letter. Pls note that on settlement of a debtk whether fully or partially settled, the original payment history will remain on yr credit file. If there is a default registered on yr file & you pay a final settlement, the default will be amended to reflect that it has been partially settled & yr credit file will be improved. This information will remain on yr file for six yrs from the date the default was registered. Payment cam be made by debit or credit card.

8/1/13
Short letter (refer #582) attached with a copy of the "Enough is Enough" response which was sent to Carter, sent by recorded.

11/1/12
Letter received from FREDRICKSON INTERNATIONAL LTD...Thank you for yr recent correspondence the contents of which have been noted.

We confirm that Bryan Carter Solicitors LLP have clarified our position & that of our client in their previous correspondence dated 14/11/2012.

We confirm that the agreement is enforceable & we will not enter into any further discussion in relation to the enforceability of the above stated a/c.

We have placed yr a/c on hold until the 8/2/2013 to allow you time to contact us with yr proposals for payment. Pls note if we do not hear from you until this date, collection activity may resume.

16/2/13
Received letter (dated 7/2/13) from CAPITAL ONE.
PLEASE BE AWARE: Yr a/c has moved I am writing to advise you that yr a/c is no longer being managed by the Debt Collection Agency who were acting on behalf of CAPITAL ONE.
Please work with us to reduce yr debt It is important that you continue to make payments to yr a/c. Payments should be made directly to CAPITAL ONE unless otherwise notified. Pls see attached for payment method.
Already settled? Pls disregard this letter if you have agreed a settlement figure with the Debt Collection Agency & have made that payment.
Have questions or need help? If you have any questions, pls call us on XXXXXXXX. We are here xxx-xxx.
With a third party debt management company? If yr a/c is being managed by an authorised third party (eg, relative, Debt Management Co) pls ensure that you update them with this information & show them this letter asap so that payments are not delayed in reaching yr a/c.

[Lovemoney]

Re: Lovemoney UE Diary

LLOYDS TSB (CREDIT CARD)
HUSBANDS

25/1/2008 Balance £2392.20
received reminder repayment in arrears and payment £1 is required.

21/2/2008 Balance £2392.20
refer letter dated 1/2/08 unable to consider writing off the debts. advised token payment of £1 p/m review 6 months.

12/6/2008
reduced payment £1 for a period of 12 months then will require an up to date financial statement for review.

22/10/2008 Balance £2389.20
reminder in arrears £1 payment required agreed under the instalment plan.

11/8/2009
Full & final settlement offer(without prejudice) £2379.20 making payment next 10days £612.81 on receipt of cleared fund advise CRA to amend yr records to show partially settled.

9/7/2009
cca request sent.

Note: some paperwork missing.

26/3/2012
cca request sent.

4/4/2012
received printed CCA without signature (same CCA which Mrs received under her name previously, Niddy says unenforceable)

10/4/2012
Missing Prescribed Term sent.

7/8/2012
received letter from Lloyds...your repayments are in arrears & a payment of £2 is required. You are reminded that in order to avoid further action, payments must be made on the due date previously agreed under the instalment plan. If you are unable to make these payments, please complete & return the questionnaire overleaf within 10 days to enable us to assess yr situation. If you wish to make a payment today using either yr debit or credit card then please contact us.....

12/8/2012
Would see what they do next (Advice #382).

5/11/2012
Received letter from...
LTSB (9/11/12)...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 Cabot Financial, effective 2/10/12. The total balance sold was £2346.20, any payments made towards yr a/c after 2/10/12 will be forwarded to Cabot Financial & will be deducted from the balance. Under the terms of this assignment, & as defined in the DPA 1998. Cabot Financial (Europe) Ltd has been appointed by Cabot Financial (UK) Ltd, to manage yr a/c in line with the arrangements agreed with BLS Collections. It is essential that all future payments & correspondence regarding this a/c now be directed to Cabot Financial (Europe) Ltd.
CABOT FINANCIAL...The Cabot Credit Management Group has recently bought the a/c you held with TSB & we're now responsible for answering yr queries & receiving payments. According to our records you currently owe £2346.20. If you wish to repay this amount in full now, pls contact usto discuss. Yr agreed monthly repayment plan with TSB 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 amount. 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. The most important thing for you to do now is to get in touch with us & one of our helpful customer advisors will discuss the option for repaying yr a/c. Our aim is to help customers get their a/cs cleared-so do contact us soon!

12/11/2012
Our Templates | Unenforceability Templates | Account Sold whilst in Dispute sent.

21/11/2012
Received letter from Cabot today (22/11/12). Acknowledging your complaint...we refer to yr letter received onb 20/11/12. We regret that you have felt the need to contact Cabot to express yr dissatisfaction regarding our service. We are currently investigating yr concerns & shall aim to provide you with our response within 20 working days from receipt of yr complaint. However, in the event we cannot respond within this time limit, we shall notify you as to when you may reasonably expect a response from us. Pls also find enclosed a leaflet, which sets out the process that we will take in order to deal with yr complaint. If you have any further queries, pls call XXXXXXX.

15/12/2012
Received letter from Cabot today (20/12/12).

#562 *IGNORED & SEE WHAT THEY SEND NEXT*

7/1/2013
Letter from Cabot today (9/1/12). Our response to yr request for information under the Consumer Credit Act 1974. Unfortunately Cabot have not yet obtained the required information from Lloyds to comply with yr request under section 77/78 of the CCA 1974. We will continue to request the information from the original lender to assist you with yr request & shall forward this to you immediately once it is received.
Yr credit agreement is currently unenforceable, which means we are not permitted to obtain a judgment or decree against you in Court. However, we would like to remind you that you remain liable to repay any balance outstanding under yr credit agreement & therefore recommend you contact us at the earliest convenience to discuss the repayment options we are able to offer you.
If you would like to know more about yr consumer rights or experiencing diffuculties in meeting yr repayments, we recommend you contact yr local XXXXXXXXXXXX. Do have any queries that the enclosed document doesn't clarify, pls call one of our Customer Assurance Advisors.

12/4/2013
Letter from Cabot today (19/4/13). Your request for information under the CCA Unfortunately Cabot has not been able to provide you with the requested information within the relevant time period. We shall continue to request the information from the original lender to assist you with yr request. In the meantime, we would like to inform you that yr a/c shall remain on hold with the Customer Assurance Dept. until such time we can comply with yr request. You are still obliged to repay the outstanding balance as confirmed in this letter & therefore we would recommend you contact us asap to set up a repayment arrangement or continue with yr existing payment plan.

[Lovemoney]

Re: Lovemoney UE Diary

LLOYDS TSB (CREDIT CARD) CO(Restrictions)
HUSBANDS

ACCOUNT OWNER: CREDIT SECURITY LTD (2008); ROBINSION, WAY & CO (2009); DLC (2011)

2/1/2008 BALANCE: £3103.38
reminder in arrears £2 payment required agreed under the instalment plan.

21/2/2008 Balance £3103.38
refer letter dated 1/2/08 unable to consider writing off the debts. advised token payment of £1 p/m review 6 months.

19/5/2008
received letter from Credit Security Ltd failed to honour the terms agreed for settlement £3103.38 ensure the arrears are paid within 7 days.

11/12/2008
received letter from Knipe Woodhse-Smith(Solicitors Commissioners for Oaths) threat county court claim prepared for the issue then CCC fee:£20+Solicitors costs:£35 will added the amount owe.

6/1/2009 Balance £3099.38
received letter from tsb saying agents unable to agree a repayment programme to prevent taking legal action by paying full outstanding balance within 10 days.

9/9/2009
cca request sent.

18/9/09
replied saying request for a copy of cca be directed to them (lloyds tsb) a/c has been placed on a temporary delay until receive cca by lloyds tsb.

25/11/09
received letter saying in view of my recent query & comment, we have today removed your a/c from our files, & returned my case to lloyds tsb who will deal directly with me in the future. lloyds tsb has been made aware of the reason why a/c is being closed & returned.

18/7/11 Balance £3099.38
received letter from tsb has assigned all tittle and interest including the outstanding bal to Hillesden Securities Ltd. Under the term assigment, as defined Data Protection Act 1998. DLC has been appointed by Hillesden to manage my a/c and future payments and correspondence.

18/7/11
received confirmed letter from DLC about assignment.

27/7/11
send in proposal, hardship difficulties & budget sheet.

1/8/11
Dlc replied failed to maintain acceptable payment, made equiries with land retistry confirmed hse owner will take legal action ccj then charging order to secure the debts.

3/8/11
Dlc & tsb send letter reissued for completeness

17/8/11
received letter from Alplin(Solicitor) instructed by??? to recover the outstanding balance in full or reach agreement within 7days legal proceedings.

8/9/11
received letter from dlc unable to accept recent payment offer as unrealistic intention cc claim blah blah....

13/9/11
received letter from Hillesden Securities saying following our recent complaint letter have been removed our contact no from their record.

26/9/11
replied don't want to go to court, due to financial hardship can only afford £1 at the present, offer still open to accept.

28/9/11
received letter from Aplins instructed to issue legal proceedings against me unless payment in full immediately. If payment not received 14days a Claim will be issued NCCBC together with claim a interest & legal costs.

12/10/11
received Notice of Default Sums from dlc & court claim form.

2/11/11
received Notice of Default Sums from dlc & court claim form.

Note: Admission form lost in the post.

2/11/11
received Judgement for Claimant(in default) order forthwith amount.

21/11/11
sent in form N245(variations).

16/1/12 Balance £3436.38
received annual statement of a/c from dlc. applied for a Charging Order on property secure payment and enclose copies of the application and the Interim Order.

Note: last minute noticed the hearing date is for final Charging Order instead Interim Order so OP too late to object to the application. I brought all the relevant details to the hearing unfortunately in and out judge's office within 2 mins. Sadly this is typical process for a CO hearing short, blunt and brutal.

1/2/12
advice by national debt helpline make a complain to FOS relates to asking for copy of the agreement not able to comply a/c was then closed and returned to the bank. Did not hear hear anything regarding the debt for 2yrs received a letter from new dca, have sent details financial hardship was refused now going to county court for charging order.

5/3/12
received details of the complaint, should hear from the business next few days and final response in writting within 8 wks.

6/3/12
acknowledge receipt of complaint from dlc saying will respond within 5days and opportunity to fully investigate the points have raised. (enclosed a copy of their Complaints Procedure for my reference)

19/3/12
received reply explained all the steps since dlc started the account & disagree with claims that no contact has been made for 2yrs and closed the a/c and returned it to the "bank". the complaint has not been upheld & remain with Litigation Team please contact them to discuss the next course of action. We trust now resolves the matter confim this by return writing or telephoning await response no later than 5/4/12.

21/3/12
I phoned FOS, been advised give dlc a call to check is that final response with the complaint if not request them put it in writing to confim then sent back to FOS can carry further investigation. Immediately phoned dlc saying Lloyds sold them this debts been told isn't anything wrong with the a/c. And advised need further investigation put it in writing.

31/7/2012 BALANCE £3544.38
received PAYMENT PLAN CONFIRMATION from DLC
To start from: 5/8/2012
Number of instalment: 12
Frequency: 12
Amount: £1.00
Should you not be able to make payments, or yr circumstances change, you should contact us on the above. Failure to keep to this arragement may result in further action. This arrangement will be subject to review at our discretion and may be terminated by us at any time without notice.

12/7/13
Letter from DLC (18/7/13). We have a charging order registered against yr property & you are presently repaying the a/c by instalments. Due to the length of time it will take to repay the debt may we request that you contact us with a view to discussing the amount of yr payments. We are prepared to discuss yr situation over the telephone or alternatively you can complete the slip below & return at yr earliest conveniene.
PROPOSED INSTALMENT DETAILS
Pls increase my future instalments to £___per wk/fortnight/mnth (delete as appropriate)
With effect from:
Signed:
Home tel No:
Work tel No:
*refer #754 ignore

1/8/2013 BALANCE £3532.38
received PAYMENT PLAN CONFIRMATION from DLC
To start from: 3/8/2013
Number of instalment: 12
Frequency: 12
Amount: £1.00
Should you not be able to make payments, or yr circumstances change, you should contact us on the above. Failure to keep to this arragement may result in further action. This payment plan will be reviewed by us in 6 months time.

[Lovemoney]

Re: Lovemoney UE Diary

MBNA (CREDIT CARD)
HUSBANDS

ACCOUNT SOLD TO DCA (LINK)

23/9/08
Assignment Date: 20/7/2007
Link Financial give notice of default acting on behalf MBNA debts, breached clauses 1b & 8 of the arrangement required to make full repayment £16013.00 by 7/10/08. If not legal action will be taken.

9/7/09
sent cca request

27/8/09
received documents(cca?? will email to Niddy later on) required.

8/8/09 Balance: £15986.00
received Statement of the a/c 29/7/10-5/2/11
.

7/2/11 Balance: £15980.00
received Statement of the a/c 6/2/10-7/8/11

9/2/12 Balance: £15974.00
received Statement of the a/c 8/8/11-8/2/12

Notes: Sorry got some paperwork missing in between.

21/3/12
Niddy confirmed


26/3/12
sent MPT letter(without recorded post).

21/5/12
received REMINDER NOTICE-YOUR PAYMENT IS OVERDUE.
the payment £1 was due on 30/4/12 & as such yr repayment plan is in arrears. If the sum shown below is not made immnediately then the plan will be cancelled and the full outstanding balance of £15,972.00 will be due. should contact an Account Officer to make this payment by Debit or Credit Card today.
TOTAL NOW PAYABLE £1.00.


6/6/2012
received letters from LINK have recently cancelled the agreement to repay this sum in regular instalments because you failed to make these payments on the agreed schedule, may have occurred through a change in your circumstances or simply an oversight on yr part, however it is important that we get this a/c back on track. Contact and speak to an a/c officer to clear any arrears and reset payment plan or to indicate why you can no longer meet yr plan.


8/6/2012
Harassment by Telephone template send.

18/6/2012
received a reply from LINK thank you for yr letter dated...we confirm that we shall remove yr contact telephone no on the a/c on the proviso you enter into proper dialogue regarding settlement of yr outstanding a/c. The a/c is in arrears as you have made no payments on the a/c since 20/3/12. Please confirm yr payment proposal by return. If have any questions or queries in relation to this letter feel free to contact xxxx.

24/8/2012 BALANCE £15972.00
received letter from LINK (#407) this is final notification that any agreement you had with LINK to repay yr debt has been cancelled for non payment. Without further reference to yoou we will immediately commence recovery of the full sum by one the following options & will be held liable for any & all the our costs associated with collection:1. Yr data will be passed to our internal Asset Investigation Dept. 2. Yr a/c will be approved for recovery by way of a Judgement/Decree secured in yr local Court. 3. This debt will be transferred to a Debt Collection Agent who may call at you home. It is unfortunate that we have not been able to resolve this amicably with you. As always our team of Account Officers are available XXXXXXX should you wish to discuss this matter.


28/8/2012
CCA Query - Creditor Refusal to Accept UE Status sent.

3/9/2012
letter from LINK received today(5/9/12). Please find enclosed the documents (copy of application form they send previously which Niddy confirmed UE) you have requested from LINK outsourcing. If you have any additional queries relating to this documentation pls do not hesitate to contact us. Where this request was made under Section 77or78 of the CCA 2006 this document fulfils our obligations.

7/9/2012
CCA Query - Application Form Received sent.

17/10/2012
letter from LINK received (19/10/12). Tnx for yr letter 5/9/12. We confirm a copy of the executed agreement was sent to you on 3/9/12. However issue a further reponse to yr Section 78 request, & also offer a full response outlining how & why the debt is enforceable prior to any litigation action. If you should them continue to withold repayment of yr indebtedness after this we wil intend to resort to legal action to protect our position. If you have any questions or queries in relation to this letter pls feel free to contact a member of the team on 000000000000000000. Yours sincerely, Link Outsourcing Ltd

23/10/2012
Threat by Creditor - To Commence Litigation sent by recorded. *refer #467

26/10/2012
letter from LINK received (19/10/12). Find enclosed the documents you have requested from LINK. If you have any additional queries relating to this documentation pls do no t hesitate to contact us. Where this request was made under Section 77 or 78 of the CCA 2006 this document fulfils our obligations.

2/11/2012
Looks .....would look at sending the missing PT’s template as the PT’s are not complete.

7/11/2012
Missing Prescribed Term sent. (Refer #501)

[Lovemoney]

Re: Lovemoney UE Diary

CITI FINANCIAL (CREDIT CARD) ACCOUNT NOW CLOSED
HUSBANDS

ACCOUNT SOLD TO DCA CABOT FINANCIAL

8/1/07 BALANCE: £5083.80
received letter from Cabot Fainancial saying bought outstanding balance from Citi Financial. Contact to discuss to resolve outstanding a/c and offer several payment methods...

19/1/07
received Financial Statement to commence repayment arrangement.

11/2/09 Balance: £5131.67
received letter from Cabot to confirm agreed £1 monthly payment.

9/9/09 Balance: £5124.67
received financial review reminder letter.

28/9/09
sent cca request

Notes: Sorry got some paperwork missing in between.

26/3/12
sent cca request.

12/5/12
replied saying have been informed from OC that unable to provide the required document (CCA). Be advised the failure to provide a copy of agreement in time does not affect the legality of your debt with Cabot but merely renders the CA unenforceable until such time the agreement can be produced. It has been well established in English Law, that "enforcement" constitutes obtaining judgment at Court. The reporting of a default entry to the CRAs or Cabot requesting repayment of yr account does not amount to enforcement. Notwithstanding, can confirm that Cabot have taken the decision to no longer pursue collection of this account, this decision is not to be confused or interpreted as a write-off of the outstanding balance as the debt legally remains and shall continue to report to the CRAs. I trust I have set out our position clearly.

[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

14/12/07 Balance: £1082.39
received arrears reminder from APEX saying being assessed by support solicitors. Enforcement proceedings will commence once the evaluation is complete and consider accepting a voluntary arrangement.

14/1/08 Balance: £1082.39
received a threat letter from Debt Managers Ltd.

27/3/09 Closing Balance: £1062.39
received annual statement 18/12/07-27/3/09.

9/9/09
sent cca request

16/7/09 Balance: £1058.39
received financial review reminder letter and commence increased payment.

20/7/09 Balance: £1058.39
received letter from Debt Managers Ltd saying bank a/c no agreements as not governed by cca, require further copies of statement will need to request from branch and pay £10 fee.

23/7/09
send in proposal, hardship difficulties & budget sheet.

28/7/09
received letter to clarifies current standing order mandate paying £1 p/m.

27/3/10 Closing Balance: £1050.39
received annual statement 27/3/09-29/3/10

13/7/10
received financial review reminder letter and commence increased payment.

20/7/10
send in proposal, hardship difficulties & budget sheet.

29/3/11 Closing Balance: £1038.39
received annual statement 29/3/09-29/3/10

19/8/11 Balance: £1033.39
received financial review reminder letter and commence increased payment.

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)

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: Lovemoney UE Diary

FIRST DIRECT (LOAN) CCJ
ACCOUNT SOLD TO DCA: LARGO LEGAL & RECEIVABLES
HUSBANDS

16/11/2007 BALANCE: £17101.52
repayment agreement due to review. Income & expenditure and documentary evidence requested failure respond legal action taken.

5/2/2008 Balance: £17101.52
received my correspondence of offer. Has turned down my offer & requested £285.00 subject to regular review. Failure to make payment as requested result furthter action.

18/7/2008
Received Court claim form £18162.02+Court fee£310+Solicitors costs£100=£18572.02

22/8/2008 Balance: £18710.77
acknowledge receipt Form of Admission and note yr offer to discharge the debt £10 p/m. This offer is rejected since our instructions are obtain Judgement thereafter apply for Charging Order.

25/8/2008
(cca request sent previously). request Statutory Fee for a section 78 (i didn't reply).

9/7/2009
cca request sent

16/7/2009
received notice of change of Solicitor.

5/10/2009
sent complaint failed to send me a signed true copy of cca.

Note: some paperwork missing.

18/5/2012
received Notice of Assignment (dated 2/5/12 with ordinary post) advise that Phoenix Recoveries has assigned all....to Arrow Global Ltd, effective 13/5/11. All payments made on this a/c after 31/12/10 will passed to Arrow Global and will deducted from the current bal. It is essential that all future payments & correspondence regarding this a/c be directed to Largo Collections (which it is £1 standing order since 21/11/08). You should contact Largo Collections Ltd to organise payment of this a/c as a matter of urgency. (refer #167,#169,#172,#174,#176&#188)

21/5/2012
SAR request sent.

23/5/2012
Check with the Court office and confirmed "NO JUDGEMENT".

6/6/2012
received reply from HSBC saying this office cannot provide details of First Direct accounts aas these are held by a separate legal entity to HSBC, need to write to the correct data controller at
First Direct
40 Wakefield Road
Stourton
Leeds
West Yorkshire
LS98 1FD

6/6/12
SAR request template resend.

13/6/12
received letter from F/D saying request for information under the SAR unable to assist and have returned £10 cheque. In order to proceed with the request need to complete an application form (#286) enclosed and supply with an original signature have 40 days from then to process the request.

25/6/12
Niddy Special letter (#292) with a copy of the original request and the original £10 cheque payment sent.

2/7/12
received reply (#300) with £10 cheque returned.

9/7/12
Creditor Refusal of SAR with the original £10 cheque payment sent.

12/7/12
received letter from F/D thanks for yr letter dated 4/7/12. Sorry you remain dissatisfied with our verification requirements for providing information under the DPA. We are still unable to proceed with yr request & have returned £10 cheque as still not been to verify yr identity. If you still require the Data Subject Access need you to identify yourself: provide me with an original signature that matches our record or by calling us complete our verification process over the telephone we can proceed without you original signature. Once request has been verified and the £10 fee received then able forty days from then to process it. If you do not identify yourself by 9/8/12 presume no longer wish to proceed with the DSA request.

17/7/12
Final Response - SAR Request (signed on top anti tamper image) with original £10 cheque sent.

16/8/12
SAR received.

[Lovemoney]

Re: Lovemoney UE Diary

SAINSBURY'S BANK PLC (LOAN) CCJ
ACCOUNT SOLD TO DCA: MARLIN FINANCIAL SERVUCES
AGREEMENT DATE: 3/3/2003
HUSBANDS

14/1/2008
Phonenix Recoveries S.a.r.l-"Marlin Recoveries" ("Phonenix") is now the creditor. Marlin Financial appointed to manage a/c and request for a copy of personal information held administration fee of £10.

1/2/2008
write off the debt request sent

19/2/2008
received reply unable to write off the debt. This matter is now with solicitors for the commencement of County Court proceedings.

21/2/2008 Balance: £3229.41
Received letter from Mortimer Clarke Solicitors saying full payment must be made within 7 days is not instructed to issue a claim in the County Court.

29/2/2008
Received Court claim form £3666+Court fee£85+Solicitors costs£80=£3831

27/4/2009
Received letter from Mortimer Clarke saying failed to make regular payment breach judgement order. Bring payments up to date or agree a satifactory new payment arrangement contact within 7 days.

5/5/2009
Received letter from Mortimer Clarke refer recent telephone contact, request complete attached income & expenditure form with an appropriate offer of payment.

28/5/2009
Received ACCEPTANCE OF OFFER letter confirm accept payment offer £1 p/m effect from 5/6/09. Review this arrangement in 3 months for a possible increase.

9/7/2009
cca request sent.

5/10/2009
sent complaint failed to send me a signed true copy of cca

21/10/09 Balance: £3876.00
received Statement of the a/c 1/10/08-20/10/09

10/5/2011 Balance: £3857.00
received Notice of Assignment from Marlin confirm MCE Portfolio Ltd now owns the a/c all current arrangements will remain in place do not need to do anything.

12/10/2011 Balance: £3852.00
received ACCOUNT PAYMENT REVIEW letter from Marlin.

27/10/2011
send in proposal, hardship difficulties & budget sheet.

15/11/2011 Balance: £3851.00
Creditor: MCE PORTFOLIO LTD
request confirmation of the benefits or income to update records enabling them continue accepting current payments arrangement.

17/11/2011
enclosed a copy of dwp letter.

6/12/2011 Balance: £3844.00
Received letter confirm accept a concessionary payment of £1 p/m commence from 28/12/11.

[Never-In-Doubt]

Re: Lovemoney UE Diary

You've sent me loads of rtf's to view in word - I cannot check them as they have reformatted so please scan and save as an image or pdf! All I need is a copy of the cover letter and agreement page plus terms if it's only 1-3 pages. Anything more, send the basics and if I need more I'll ask you for them but for now please send images.

Thanks

[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

27/6/2006
received 1. Final Demand £8334.49 2. Final Demand £21526.70(£1366.74+£20159.96) will have further interest added on the same basis as presentl applied the date of full repayment. 7 days to repay in full or proposals for repayment by instalments enclosed Financial Statement. If fail to comply with demand DEBT COLLECTORS or SOLICITORS will be instructed.

26/7/2006
send in proposal, hardship difficulties & budget sheet.

16/5/2007
HSBC(original creditor) Assigness Vertex Data Science Ltd.

11/10/2007
received letter from First Revenue Assurance(assgnd. to Vertex) debt collection saying following a review circumstances able to offer a substantial reduction on outstanding balance(offer is only available for 72hrs).

7/1/2008 Balance: £1365.74
received Statutory Demand from Vertex(document signed by Solicitor's clerk to the petitioner) under section268(1)(a) of the Insolvency 1986. Debt Liquidated Sum Payable immediately. Demand WARNING: refer to the notes entitled "how to comply with statutory demand or have it set aside". If wish set aside within 18 days otherwise deal with this demand as set out in the notes within 21 days after service, could be made bankrupt and yr property and goods taken away from you. read carefully any doubt should seek advice immediately from Solicitor or CAB.

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......

22/10/2014
[FONT=Arial]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.

[Lovemoney]

Re: Lovemoney UE Diary

You've sent me loads of rtf's to view in word - I cannot check them as they have reformatted so please scan and save as an image or pdf! All I need is a copy of the cover letter and agreement page plus terms if it's only 1-3 pages. Anything more, send the basics and if I need more I'll ask you for them but for now please send images.

Thanks Niddy...sure

[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.

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.

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

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.