Lovemoney UE Diary

[Deepie]

Re: Lovemoney UE Diary

I2D
Thanks for swift reply....It is very much appreciated.
Will get the letters off in post today. Just like to check use same template letter for my husband a/c.

I Would...........

[Lovemoney]

Re: Lovemoney UE Diary

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.

which I assume is ignored

UPDATE...
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.

Should I resend.. Our Templates | Unenforceability Templates | CCA Request as they said in the letter, please advise.

[Deepie]

Re: Lovemoney UE Diary

UPDATE...
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.

Should I resend.. Our Templates | Unenforceability Templates | CCA Request as they said in the letter, please advise.

I would see what they do next if it were me............

[Lovemoney]

Re: Lovemoney UE Diary

At last I've found this my Equifax (NOT IN EXPERIAN) printed credit report...
BARCLAYCARD (CREDIT CARD)
HISTORY
STARTED: 3/8/2004
CURRENT BALANCE: £1909
DEFAULT BALANCE: £1960.00 (16/06/2006)
DATE UPDATED: 04/03/2012
PAYMEMT HISTORY: 05/2006=1, 06/2006=D
But can't remember when I make the last payment.

Accidently answer once saying she not available & put the phone down. 21/8/12 they call again. I think bad time I send them Our Templates | Harassment & Intimidation Templates | Harassment by Telephone
22/8/2012
Our Templates | Harassment & Intimidation Templates | Harassment by Telephone sent to ALLIED INTERNATIONAL CREDIT.

UPDATE...
21/8/2012 BALANCE £1908.56
Lettter from AIC received today(1/9/12), we have been unable to come to an acceptable arrangement with you regarding that our Client initiate further action. This is your last chance to work together with us. It is in your best interest to come to a mutually acceptable agreement. Therefore pls telephone our office to discuss the matter further. Alternatively you can complete the enclosed financial statement and return within 7 days(letter dated 21/8 received today 1/9) of receipt of this letter together with an offer of payment. Suitable payment methods are available on the reverse of this letter.

Any advice on how to respond to above please....

[Deepie]

Re: Lovemoney UE Diary

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UPDATE...
21/8/2012 BALANCE £1908.56
Lettter from AIC received today(1/9/12), we have been unable to come to an acceptable arrangement with you regarding that our Client initiate further action. This is your last chance to work together with us. It is in your best interest to come to a mutually acceptable agreement. Therefore pls telephone our office to discuss the matter further. Alternatively you can complete the enclosed financial statement and return within 7 days(letter dated 21/8 received today 1/9) of receipt of this letter together with an offer of payment. Suitable payment methods are available on the reverse of this letter.

Any advice on how to respond to above please....

I would see what they send next if it were me............

[Lovemoney]

Re: Lovemoney UE Diary

I2D

Thanks for your reply
Will take your advice for both .

[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.
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 £1565.50
received letter from LINK (#406) 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.

UPDATE...

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.

Do you think I should reply and tell them this is only an application or just wait to see what happens.

[Lovemoney]

Re: Lovemoney UE Diary

MBNA (CREDIT CARD)
HUSBANDS
ACCOUNT SOLD TO DCA (LINK)
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.

UPDATE...

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.

[Deepie]

Re: Lovemoney UE Diary

UPDATE...

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.

Do you think I should reply and tell them this is only an application or just wait to see what happens.

UPDATE...

I would send this if it were me-----> CCA Query - Application Form Received

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.

Just so were not sending the same template I would send this-----> CCA Query - Missing Prescribed Terms

Sorry missed these post.......... only just seen them

[Lovemoney]

Re: Lovemoney UE Diary

Just so were not sending the same template I would send this-----> CCA Query - Missing Prescribed Terms
Sorry missed these post.......... only just seen them

I2D

I am aware you been busy. It is very much appreciated.
Thanks for the advice.
Will get the letter off in post (by recorded delivery) first thing in the morning.

[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).
24/7/12
(#357 Paul special) letter with copies of Missing Prescribed Term sent.
25/7/12 Balance £1452.33
received letter from BLS Repayment Plan Arrears: £2.00
We contacting you about the above a/c as the repayment plan you agreed is still overdue. We have previously reminded you about the money you owe & you must pay the amount outstanding straight away. You can do this by calling the no above. If you don't pay the outstanding amount to bring yr a/c back on track within 10 days from the date of this letter yr a/c will fall further into arrears could result in yr repayment plan being cancelled & the full balance of £1452.33 will be due. If you are experiencing financial difficultie we would suggest you contact a Debt Management Co such as....free organisations who will assist you by offering independent advice on yr situation. If you have made a payment in the last 7 working days, please ignore this letter.
11/8/2012
received letter from Lloyds...(refer #378)
13/8/2012
Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status sent.
13/8/2012
received letter from BLS...It is essential that you telephone BLS Collections on XXXXXXXXXXXX TODAY. *see what they send next #389*
15/8/2012
received letter (refer #394) from Lloyds refer to yr previous correspondence & confirm that this represents the Bank's final response. We note yr comments regarding the agreement being unenforceable as the documents you requested were not issued within 12 days. Please be aware that the agreement is only unenforceable for the period that has lapesed between the 12 days & the date that yr request was fulfilled. Turning to yr allegations of harassment, it is the bank's obligation as a responsible lender to advise customers as soon as reasonable that they're in arrears. The bank will give no undertaking not to contact you to ask for payment, particularly as yr alleged "dispute" is unfounded. We will not enter into any further correspondence regarding this matter & as we've been unable to reach a mutual agreement. *WAIT FOR THEIR NEXT MOVE*
24/8/2012
received letter from BLS...Repayment Plan Arrears: £3.00. We've tried several times to contact you regarding the arrears on yr a/c. Unless the outstanding arrears amount reaches us within 10 days from 20/8/12 yr repayment plan will be cancelled & the balance of £1452.33 will be due. You can make a payment today by calling us XXXXXX. Failure to contact us may result inc:- 1. Yr a/c being passed to our legal department & court proceedings raised against you. 2. Yr a/c being passed to one of our local door-to-door collections agents who may call at yr address to discuss the outstanding debt. If you are experiencing financial difficultie we would suggest you contact a Debt Management Co such as....free organisations who will assist you by offering independent advice on yr situation. If you have made a payment in the last 7 working days, please ignore this letter.

UPDATE...

7/9/2012
Letter from BLS...It is essential that you telephone BLS on XXXXXXXXX TODAY.
(underneath the letter) PLEASE ENSURE REGULAR PAYMENTS ARE MAINTAINED TO AVOID FURTHER ACTION BEING TAKEN).

Should I ignored & see what they send next

[Deepie]

Re: Need Advice

UPDATE...

7/9/2012
Letter from BLS...It is essential that you telephone BLS on XXXXXXXXX TODAY.
(underneath the letter) PLEASE ENSURE REGULAR PAYMENTS ARE MAINTAINED TO AVOID FURTHER ACTION BEING TAKEN).

Should I ignored & see what they send next

I would if it were me...........

[Lovemoney]

Re: Need Advice

LLOYDS TSB (CREDIT CARD) CCJ/CO

STARTED: 22/12/2003
CURRENT BALANCE: £10232 (5/6/2011)
DEFAULT BALANCE: £10256 (17/10/2006)
ACCOUNT OWNER: ALLIED INTERNATIONAL CREDIT (2008); ROBINSION, WAY & CO (2009); DLC (2011)
HISTORY
17/5/12
sent cca request.
28/5/12
received acknowledge letter from DLC confirm receipt of payment £1 in connection with data request under the Consumer Credit Act 1974, still awaiting copy documentation from client (Lloyds). When this becomes available it will be forwarded. If unable to forward a copy of the original agreement, will be able to supply a true copy of the document which will comply with section 77-79 of the CCA 1974, and will update you on developments in 21 days if there are no developments beforehand.
18/6/12
received letter following up request for copy documentation with our client (Lloyds). When this becomes available will forward it to you. A/c is on hold and all further action has been suspended in anticipation of receiving the documents required, and will update you on developments in 21 days if there are no developments beforehand.
9/7/12
received letter following up request for copy documentation with our client (Lloyds). When this becomes available will forward it to you. A/c is on hold and all further action has been suspended in anticipation of receiving the documents required, and will update you on developments in 21 days if there are no developments beforehand.
30/7/12
received letter following up request for copy documentation with our client (Lloyds). When this becomes available will forward it to you. A/c is on hold and all further action has been suspended in anticipation of receiving the documents required, and will update you on developments in 21 days if there are no developments beforehand.
20/8/12
received letter following up request for copy documentation with our client (Lloyds). When this becomes available will forward it to you. A/c is on hold and all further action has been suspended in anticipation of receiving the documents required, and will update you on developments in 21 days if there are no developments beforehand.

JUST A QUICKIE UPDATE...

20/8/12
received letter following up request for copy documentation with our client (Lloyds). When this becomes available will forward it to you. A/c is on hold and all further action has been suspended in anticipation of receiving the documents required, and will update you on developments in 21 days if there are no developments beforehand.

[Lovemoney]

Re: Need Advice

Goes to show how they just churn out generic templates that don't even relate to the particular situation, in this case they've already got a CCJ and CO - there isn't that much more action they can suspend, is there?

FP
Not at all...they just bunch of , fed up with the way they can get away with it even though they know they're walking a fine line, they can stick in their heals and once the court gets involved the OFT run away leaving you alone to fight them and their games. They have more money and experiance to get their way than me, and with their profesional appearance hiding their true sleazy selves I'm sick of it.

[Lovemoney]

Re: Need Advice

I would if it were me...........

Thanks I2D .