Lovemoney UE Diary

[Pixie]

Re: Lovemoney UE Diary



Great news LoveMoney

[Lovemoney]

Re: Lovemoney UE Diary

Great news LoveMoney

Thanks Pixie...

All down to Niddy helping and look after me
AND all the fantastic supportive friends here .

[Lovemoney]

Re: Lovemoney UE Diary

CITI FINANCIAL (CREDIT CARD)

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.

QUICK UPDATE

[Lovemoney]

Re: Lovemoney UE Diary

MBNA (CREDIT CARD)

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 (with normal post).

16/5/12
received REMINDER NOTICE-YOUR PAYMENT IS OVERDUE.
the payment £1 was due on 25/4/12 & 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 £1565.50 will be due. should contact an Account Officer to make this payment by Debit or Credit Card today.
TOTAL NOW PAYABLE £1.00

Please advise what should I do next.

[CleverClogs (RIP)]

Re: Lovemoney UE Diary

16/5/12
received REMINDER NOTICE-YOUR PAYMENT IS OVERDUE.
the payment £1 was due on 25/4/12 & 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 £1565.50 will be due. should contact an Account Officer to make this payment by Debit or Credit Card today.
TOTAL NOW PAYABLE £1.00

Please advise what should I do next.

Send them another copy of the MPT letter but printed in bigger type.

Explain any difficult words.

[Deepie]

Re: Lovemoney UE Diary

^^^ I Would just wait and see what they send next.....

[Lovemoney]

Re: Lovemoney UE Diary

Send them another copy of the MPT letter but printed in bigger type.

Explain any difficult words.

^^^ I Would just ignore.....

Thanks CC & I2D for the swift reply....
what is best move (I send MPT without register post).

[Deepie]

Re: Lovemoney UE Diary

Thanks CC & I2D for the swift reply....
what is best move (I send MPT without register post).

Just ignore for now next time send with proof of posting......
---------> http://www.royalmail.com/delivery/bu...-signed/prices

[Lovemoney]

Re: Lovemoney UE Diary

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

16/11/2007 BALANCE: £17101.52
We write with reference to the Notice of Assignment previously sent to you in respect of your liability for HSBC a/cXXX and note that you have failed to respond.
Any previously 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 against your interest in XXXX. We are sending a copy of this letter to the Court together with a copy of your form Admission.

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.

FURTHER ADVICE NEEDED PLEASE.

[Deepie]

Re: Lovemoney UE Diary

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 since 21/11/08). You should contact Largo Collections Ltd to organise payment of this a/c as a matter of urgency.

FURTHER ADVICE NEEDED PLEASE.

I'd just wait untill Arrow get in contact............ then let us know what they say..........

[Paul.]

Re: Lovemoney UE Diary

If there is a CCJ in place then the CCA request was worthless and has nowt to bite on.

This was confirmed by the High Court in Rankine v American Express.

So they have a CCJ and ignoring can lead to serious enforcement action such as Charging order, order for sale, orders to attend court for questioning and of course bankruptcy

I do not think there is mileage here if the case summary in the above post is correct

[Lovemoney]

Re: Lovemoney UE Diary

I'd just wait untill Arrow get in contact............ then let us know what they say..........

I2D thanks for the swift reply...I haven't got the letter can I ring the Court to find out how much is the Judgement.

[Paul.]

Re: Lovemoney UE Diary

allaboutFORUMS

Heres a link to Rankine v Amex

[Lovemoney]

Re: Lovemoney UE Diary

16/5/12
received REMINDER NOTICE-YOUR PAYMENT IS OVERDUE.
the payment £1 was due on 25/4/12 & 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 £1565.50 will be due. should contact an Account Officer to make this payment by Debit or Credit Card today.
TOTAL NOW PAYABLE £1.00

I check my phone and found out Link Financial been rang me up twice, I presume probably is regard this a/c.

[Lovemoney]

Re: Lovemoney UE Diary

If there is a CCJ in place then the CCA request was worthless and has nowt to bite on.

This was confirmed by the High Court in Rankine v American Express.

So they have a CCJ and ignoring can lead to serious enforcement action such as Charging order, order for sale, orders to attend court for questioning and of course bankruptcy

I do not think there is mileage here if the case summary in the above post is correct

Paul thanks for reply.
Can you give further suggestion please