Lovemoney UE Diary

[Paul.]

Re: Lovemoney UE Diary

evenlessdopey thanks for the prompt reply....yes this is the first I heard from Bryan Carter. I would send this Account Sold whilst in Dispute tomorrow (9/7/12)

Bryan Carters are acting under instructions from Fredrickson International it seems. Im not sure the acc has been sold at this stage.

Their letter appears a poor attempt at a letter of claim, so maybe a retort is needed to tell them to go away and read the CPR on letters of claim.
If i had time to draft something up i would but im snowed under as it is

[Lovemoney]

Re: Lovemoney UE Diary

Their letter appears a poor attempt at a letter of claim, so maybe a retort is needed to tell them to go away and read the CPR on letters of claim.
If i had time to draft something up i would but im snowed under as it is

Hi Paul

thanks....
If you could will be great .

[Lovemoney]

Re: Need Advice

LLOYDS TSB BANK - (CREDIT CARD)

START DATE: 14/4/2005
DEFAULT BALANCE: £1536
DEFAULT ON: 7/8/2006
ACCOUNT SOLD TO DCA (BLS) - AGREED £1 TOKEN PAYMENT SET UP STANDING ORDER EACH MONTH

HISTORY
24/3/12
Niddy says

26/3/12
Missing Prescribed Term sent.

6/7/12
received letter from BLS saying have not received the Repayment Plan Arrears: £2.00. To avoid further action must pay £2.00 within 7 days. If want to make a payment today please contact. If you're experiencing financial difficulties we would suggest contact Debt Management Co such as XXXXX. I you've made a payment i the last 7 days, please ignore.

Update....
should i ignore for now see what they send next.

[Lovemoney]

Re: Lovemoney UE Diary



I received above letter from Barclaycard. And I've checked through all my creditors. The account reference doesn't exist.

Please kindly give some further advice how to deal with this method.

Thanks as always.

[Pixie]

Re: Lovemoney UE Diary

If it were me I would ignore both of them.

Account numbers/reference numbers are often changed when accounts are passed to dcas. I'd wait and see what AIC send.

[Lovemoney]

Re: Lovemoney UE Diary

If it were me I would ignore both of them.

Account numbers/reference numbers are often changed when accounts are passed to dcas. I'd wait and see what AIC send.

Hi Pixie

How are you?

Thanks for your swift reply and adivce....
Will take you advice IGNORE

[Pixie]

Re: Lovemoney UE Diary

Hi LoveMoney, I'm good.

I take you had a Barclaycard at some time?

[Paul.]

Re: Lovemoney UE Diary

[ATTACH]5112[/ATTACH]

I received above letter from Barclaycard. And I've checked through all my creditors. The account reference doesn't exist.

Please kindly give some further advice how to deal with this method.

Thanks as always.

you could ask the creditor to clarify why the account numbers do not align with your records, it wouldnt need a template for that, but it would provide a paper trail of evidence etc

just a thought

[Lovemoney]

Re: Lovemoney UE Diary

Hi LoveMoney, I'm good.

I take you had a Barclaycard at some time?

I been through my list of creditors details unfortunately can't find that amount with barclaycard.

[pooky2483]

Re: Lovemoney UE Diary

Hi LM,
I have had a good read through your thread and see that you are having quite a bit of good luck fighting the DCA's
I have an idea that could throw a little bit more money your way, I see that you are paying quite a bit in water rates, have you thought of getting a water meter fitted?

I know you might thing it wont save you much but it will, we used to be paying £46 a month at a previous property and had one fitted and it cut it down to around £21 a month. We have since moved and have got one fitted where we are now and are only paying £17.23 after it was again £46.

Check out http://forums.all-about-debt.co.uk/s...ead.php?t=5199

Another idea could have been, use PDSA but you're not in receipt of Housing Benefit or Council Tax are you?

[Pixie]

Re: Lovemoney UE Diary

Hi LoveMoney

I would send Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation to Bryan Carter

[Lovemoney]

Re: Lovemoney UE Diary

Hi LoveMoney

Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation to Bryan Carter

Hi Pixie thanks for the template link...
13/7/2012 sent.

[SXGuy]

Re: Need Advice

CAPITAL ONE (CREDIT CARD)

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

HISTORY

22/6/12
received letter from FREDRICKSON INTERNATIONAL LTD further to the previous correspondence documentation. We have taken our client's instructions and have been advised that they complied with your request on the 12/4/2012. Therefore, please forward your proposals for payment to discharge the above outstanding balance.


3/7/12
received letter from Bryan Cartar Solicitors LLP with regard to the outstanding debt. Payment must be made in full within the next fourteen days failing which we will recommend to our client that proceedings be issued without further notice. And additional charges will be added to the exisiting balance. If you dispute liability for this debt please state your reasons in writing & supply us with documents in support of your defence to any claim. Before the a/c is referred to us to litigate you still have an opportunity to contact FREDRICKSON INTERNATIONAL LTD with your payment proposals. (refer: #304)

13/7/12
Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation sent.

Just received the same letter myself from Bryan Carter, funny enough, the fredrickson letter previous to that, is exactly the same as mine, even down to the date they mention you received the CCA, is this the actual date it was sent? sounds like a generic letter.

I didnt think anything of it until i noticed your diary.

[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

9/7/09
cca request sent

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.

11/7/12
received NOTICE OF HOME VISIT, unpaid a/c has been sent to be dealt with by this office. In 10 days time I may ask one of our collectors to visit you at your home to agree an affordable payment plan. You can avoid our collector calling by: Making payment to this office within 10 days. You can make an appointment for our collector to call by our staff are waiting for your call.

Update...please advise

[The Tech Clerk]

Re: Need Advice

Update...please advise

Usual mays this & that., what a pathetic area these DCAs etc work in, = Cloud Cookoo Land.


put them all out sweeping the roads, probably not do a good job there either.