Lovemoney UE Diary

[Lovemoney]

Re: Lovemoney UE Diary

8/6/12
UPDATE...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.
Also got loads of phone call from them.

Harassment by Telephone template send 11/6/12

[Lovemoney]

Re: Lovemoney UE Diary

TESCO (CREDIT CARD)
DEFAULTED
HUSBANDS

HISTORY

26/3/2012
CCA request sent.

2/5/2012
received response obliged to provide you with a 'true' copy of the CCA & most recent available statement to the a/c with amounts and due dates of future payments that still require to be made. In terms of CCA copy doc regulations, the 'true' copy requirement can be satisfied by providing a copy agreement at the date the card agreeement was made and plus a copy of the current terms of the card agreement. Records show that there is still an outstanding balance on the a/c is currently being managed by Financial Hardships Team, therefore contact them directly to obtain details of the required repayments to settle the a/c. I can confirm that yr a/c has not been sold. Emailed Niddy.


4/5/2012
Niddy says THANKS will be sending MPT letter.

1/6/2012
received response from Tesco Data Protection Act 1998. We enclose copy information held by Tesco Bank is provided under the term of the above Act and was located using the information contained within your request. Emailed Niddy.

Tesco - this is

No PT's sent at all, plus the fact you originally applied to RBS for Tesco to then write back saying fill this form in, means you should have been sent new terms with the Tesco application, neither are present.

I would respond with this ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

Niddy I have send MPT previously then this is the reponse which I received. Should I resend another copy of MPT letter?

[PlanB]

Re: Lovemoney UE Diary

Before we go in, CAB told us this DJ quite reasonable and will read all the paperwork.

Lovemoney. Sorry to bother you but did the CAB help you prepare your case on the day of the CO hearing and/or did you have anyone to speak to the DJ on your behalf in court like a duty solicitor?

[Lovemoney]

Re: Lovemoney UE Diary

Lovemoney. Sorry to bother you but did the CAB help you prepare your case on the day of the CO hearing and/or did you have anyone to speak to the DJ on your behalf in court like a duty solicitor?

PlanB. Sorry for the delay...
Don't have to feel sorry that we all here for helping each other.

Objection letter & Witness statement prepared by myself (did copy some & there ) and with husband help (emailed Niddy to check over). On that day we arrived to Court an hour early & found no duty Solicitor available in that Court except CAB. We did speak to her and she looked through some paperwork. Apart form what we already knew there was not much help, what happened in Court was really out of my hands.

[Never-In-Doubt]

Re: Lovemoney UE Diary

Niddy I have send MPT previously then this is the reponse which I received. Should I resend another copy of MPT letter?

Depends when you last sent it - if recently then no don't bother. If 3+ months ago then sure send it again

[Lovemoney]

Re: Lovemoney UE Diary

Depends when you last sent it - if recently then no don't bother. If 3+ months ago then sure send it again

....

Hi Niddy thanks for the reply.

I send MPT letter on 4/5/2012. So ignore for now just wait and see what they send next then.

[Never-In-Doubt]

Re: Lovemoney UE Diary

I send MPT letter on 4/5/2012. So ignore for now just wait and see what they send next then.

I would.....

[Lovemoney]

Re: Need Advice

CO-OP BANK

Date commenced: 23/12/1997
DEFAULT BALANCE: £835
DEFAULT ON: 20/12/2006
ACCOUNT SOLD TO DCA: (ROBINSON, WAY & CO)
PAYMENT STATUS: AGREED £1 TOKEN PAYMENT SET UP STANDING ORDER 28/7/08 EACH MONTH

HISTORY

21/3/12
Niddy says

26/3/12
Missing Prescribed Term sent.

5/4/12
received response from Robinson Way saying satissfied the documentation provided is sufficient to demonstrate liability and will not enter into repetitive correspondence. Data will continue to be procedssed in lin with the principles of Data Protection Act 1998 and will continue to be reported to credit reference agencies, where appropriate. If neglect to make payment further action may be taken against, require payment proposals within 14 days.# IGNORE & NO PAYMENT #

18/5/12
received APPOINTMENT FOR HOME VISIT letter from Robberson saying your debt is still unpaid in spite of previous letters, and calls. We may now arrange for a local collector to call at yr address to agree an affordable payment plan with you.
YOUR A/C MAY BE SENT TO OUR LOCAL COLLECTOR IN THE NEXT 10 DAYS.
Call us if you would prefer to agree an affordable payment plan with this office, or if you want to agree an appointment for our collector to visit. If you prefer not to talk to us at all, you can deal with this online...

21/5/12
Send them this-----> Harassment & Threat of Doorstep-Visit

18/6/12
received APPOINTMENT FOR HOME VISIT letter from Robberson saying your debt is still unpaid in spite of previous letters, and calls. We may now arrange for a local collector to call at yr address to agree an affordable payment plan with you.
YOUR A/C MAY BE SENT TO OUR LOCAL COLLECTOR IN THE NEXT 10 DAYS.
Call us if you would prefer to agree an affordable payment plan with this office, or if you want to agree an appointment for our collector to visit. If you prefer not to talk to us at all, you can deal with this online

UPDATE...received APPOINTMENT FOR HOME VISIT letter from Robinson again.

[Deepie]

Re: Need Advice

UPDATE...received APPOINTMENT FOR HOME VISIT letter from Robinson again.

Did they turn up last time ?..........

[CleverClogs (RIP)]

Re: Lovemoney UE Diary

Alternatively you may want to have some tea and chocolate biscuits ready, but ask me for the recipe first!

Do those biscuits contain laxative or do they contain Rhohypnol so one may film them doing unmentionable things to/with a hamster?

[Lovemoney]

Re: Lovemoney UE Diary

Here it is ---> Our Templates | Unenforceability Templates | Subject Access (SAR) - Advanced Request

You'll need to attach a cheque or P.O. for £10.

HSBC details:

HSBC Bank

FAO Data Protection Controller
8 Canada Square
London,
E14 5HQ

21/5/12
SAR request send.

6/6/12
received letter from HSBC saying they can't provide details of First Direct a/cs as these are held by a seperate legal entity to HSBC Bank. Therefore need to write to the correct data controller address enclosing the £10 statutory fee:-
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 enclosed and supply with an original signature have 40 days from then to process the request.

Further advice needed please....

[Lovemoney]

Re: Lovemoney UE Diary

Did they turn up last time ?..........

NO

Alternatively you may want to have some tea and chocolate biscuits ready, but ask me for the recipe first!

Thanks I2D & Flowerpower for the swift reply

[Lovemoney]

Re: Need Advice

CAPITAL ONE (CREDIT CARD)

START DATE: 7/4/2005
DEFAULT BALANCE: £1821
DEFAULT ON: 27/4/2009

HISTORY

5/3/12
sent cca request.



13/3/12
received reply saying under S78 to provide with a copyof executed agreement. It was confirmed by the Judgement of his Honour Judge Waksman QC in Carey v HSBC[2009]3417(QB) that providing a reconstituted copy of agreement is compliant with S78 no requirement under the CCA to provide with a photocopy of the original signed agreement. Received photocopy Original Agreement & Defaulted Agreement (Emailed Niddy).

Niddy says

19/3/12
A/c due to review required income & expenditure with some proofs.

26/3/12
Missing Prescribed Term letter sent.

2/4/12
required income & expenditure with some proofs have not received, need response within 14 days. If not previously been issued with a default may serve default notice requesting the total arrears to be paid immediately or a/c defaulted may pass tp debt collection agencyto recover the full outstanding balance. # ADVISED IGNORE & NO PAYMENT #

24/5/12
received letter from FREDRICKSON INTERNATIONAL LTD....DO NOT IGNORE IMMEDIATE PAYMENT REQUIRED. Has been instructed by Capital One who have passed this a/c to us for collection of the outstanding balance. Our client now requires payment in full (£1785.43)to avoid further action.


7/6/12
received legal action threat letter from FREDRICKSON INTERNATIONAL LTD....LETTER BEFORE ACTION. This debt must be paid in full to these office within the next 7days otherwise will take immediate action ie..issue proceedings in County Court (or the Sheriff Court aws may be appropriate).


8/6/12
Threat by Creditor - To Commence Litigation template send

UPDATE...

18/6/12
got a reply from FREDRICKSON INTERNATIONAL LTD saying 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. We confirm that we have placed the a/c on hold.

[Lovemoney]

Re: Lovemoney UE Diary

MBNA (CREDIT CARD)
ACCOUNT SOLD TO DCA (LINK FINANCIAL)
STARTED: 28/8/2003
CURRENT BALANCE: £1574
DEFAULT BALANCE: £1617 (1/11/2006)

HISTORY

21/3/2012
Niddy confirmed

26/3/2012
sent off MPT letter.

16/3/2012
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.

8/6/2012
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.

11/6/2012
Harassment by Telephone template send.

MBNA (CREDIT CARD)
HUSBANDS

ACCOUNT SOLD TO DCA (LINK)

21/3/12
Niddy confirmed


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

16/5/12
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.

8/6/2012
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.


11/6/2012
Harassment by Telephone template send.

UPDATE...

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.

Advice needed please...

[Lovemoney]

Re: Lovemoney UE Diary

That's the result you were looking for!


If it was me I would just wait and see what happens next you have been in touch with them and they are not threatening anything, just 'doing their job'.

FP
Thanks for the reply .

Lastly on my thread#286 SAR request form which First Direct send me, would appreciate if you would look it over thank you.

must be sick of me been asking all them questions...sorry