Lovemoney UE Diary

[PlanB]

Re: Lovemoney UE Diary

Take your glasses off ...........

Or maybe put it in the washing machine on a hot wash

[Never-In-Doubt]

Re: Lovemoney UE Diary

You know we have our own version as well don't you? I just realised I never added it to any of the templates

I prefer ours as well....

[Bricktop]

Re: Lovemoney UE Diary

Sending that in the first place would send an "I don't trust you" message.

But we don't trust them......

[Spent2much]

Re: Lovemoney UE Diary

But we don't trust them......

I was going to say this too

[Lovemoney]

Re: Lovemoney UE Diary

Have you sent this ?........> Final Response - SAR Request

Thanks to you all for the replies suggestions and advices... (especially Niddys anti-tamper signature image)

I really fed up with going forward and backwards all the times, 3rd time lucky! will take the advice send First Direct the final response-SAR Request and signed on top the anti-tamper image.

[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

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.


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.

18/7/12
received letter from FREDRICKSON INTERNATIONAL LTD thank you for your communication regarding this a/c. We have referred the matter to our client & will revert to you asap we are in receipt of instruction. In the meantime, we confirm that we have placed the a/c on hold.

Just quick UPDATE....

[SXGuy]

Re: Lovemoney UE Diary

nice one.

I just sent BC the same letter friday, so im waiting to see if i get the same response as you.

Interested in following your situation as your about a week a head of me with Capital One lol

[Lovemoney]

Re: Lovemoney UE Diary

nice one.

I just sent BC the same letter friday, so im waiting to see if i get the same response as you.

Interested in following your situation as your about a week a head of me with Capital One lol

SXGuy hope you get the same response so in the future we can exchange opinions fight back the

Nice to see Freddie's giving up!

I'm sure LM is fully convinced by now that our templates work!

Flowerpower

so far so good
Big thank you for everyone here so helpful .

[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. *IGNORE*


18/7/12
received letter from BLS It is essential that you telephone BLS Collections on XXXXXXXXX TODAY.
(underneath the letter) PLEASE ENSURE REGULAR PAYMENTS ARE MAINTAINED TO AVOID FURTHER ACTION BEING TAKEN).

UPDATE... Should I ignore as usual?

[Paul.]

Re: Need Advice

UPDATE... Should I ignore as usual?

or maybe write back, keeping a copy for your file, and point out that you havent had a reply to the points raised in your letter of 26th March 2012???????

If a matter ever gets to court, would you say it is better to have no evidence? or evidence of lots of letters asking for answers, each replying to every letter the creditor sends??

[Lovemoney]

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?

Hi pooky2483 sorry it has taken so long to get back to you.
Thank you for your advice and recommendations. Where I live we've already had water meters fitted. They will be up & running soon .

[SXGuy]

Re: Lovemoney UE Diary

SXGuy hope you get the same response so in the future we can exchange opinions fight back the

Funny you should say that, received the same letter as you on Friday, so there you go

[Lovemoney]

Re: Need Advice

or maybe write back, keeping a copy for your file, and point out that you havent had a reply to the points raised in your letter of 26th March 2012???????

If a matter ever gets to court, would you say it is better to have no evidence? or evidence of lots of letters asking for answers, each replying to every letter the creditor sends??

Thanks Paul

Will get the letter prepared & send it off asap.

[Lovemoney]

Re: Need Advice

or maybe write back, keeping a copy for your file, and point out that you havent had a reply to the points raised in your letter of 26th March 2012???????

Hi please help...is there any particular template I can use.

[Paul.]

Re: Lovemoney UE Diary

No i dont think there is,

You only need something to point out that they havent replied to your letter of .....march

A simple one line letter saying

Dear Sir,

Thank you for your letter dated ............... I note that you have not addressed the issues and concerns raised in my letter dated........ March 2012.

May i please have a reply to that letter. To assist i enclose a copy of my letter from March

Regards