Lovemoney UE Diary

[Lovemoney]

Re: Lovemoney UE Diary

yes you could use the DPA, indeed, my only concern is they can get out of providing it by saying its disproportionate to search archives for example

or they could argue its not held in a relevant filing system

there was a case involving the Welsh Ministers that dealt with the limits of DPA

Hi Paul

I have received SAR from F/D which part should I be looking for...

HI PAUL

I know you've been busy, I just wondered if you could give me a little advice about my SAR please.
Thanks as always.

[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.
3/9/2012
letter from LINK received today(5/9/12). Please find enclosed the documents (copy of application form with separate unsigned credit agreement regulated by the Consumer Credit Act 1974 term and conditions, 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.
10/9/2012
CCA Query - Application Form Received sent.

UPDATE...
15/9/2012
letter from LINK received today


Advice needed please...
Thanks as always

[Lovemoney]

Re: Lovemoney UE Diary

10/9/2012
CCA Query - Application Form Received sent.

Just track above item and found...
Item XXXXXXXXXXXX was posted at XXXXXXXXXXXXX on 10/09/12 and is being progressed through our network for delivery.

[swanfan]

Re: Lovemoney UE Diary

letter from LINK received today

I'd be sending this to Link--> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

[Lovemoney]

Re: Lovemoney UE Diary

I'd be sending this to Link--> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Swanfan
Thanks for the reply much appreciated
will do....

PS: I'm wondering should I resend for Niddy to look at it again.

[Pixie]

Re: Lovemoney UE Diary

Swanfan
Thanks for the reply much appreciated
will do....

PS: I'm wondering should I resend for Niddy to look at it again.

I'd just send the template that Swanny suggested if it was me. The letter from Link has a lot of "may...."

[Lovemoney]

Re: Lovemoney UE Diary

I'd be sending this to Link--> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

I'd just send the template that Swanny suggested if it was me. The letter from Link has a lot of "may...."

Thanks for the suggestions & advice
Will get the letter off in the post asap .

[Lovemoney]

Re: Lovemoney UE Diary

[QUOTE=Lovemoney;159020]MBNA (CREDIT CARD)
ACCOUNT SOLD TO DCA (LINK FINANCIAL)
STARTED: 28/8/2003
CURRENT BALANCE: £1574
DEFAULT BALANCE: £1617 (1/11/2006)
HISTORY
21/12/2006
received letter from LINK FINANCIAL saying is the current owner of the £1617.50 outstanding balance due from me under cca. MBNA has now assigned to LINK the outstanding balance due under the CCA. As a result of this assignment the full amount of the outstanding balance is due to us immediately. Any payment made by me be processed onto my Link Financial account.
7/2/2007
send in proposal, hardship difficulties & budget sheet.
17/4/2009
balance: £1600.50
replied saying best effort to assist me in repaying debt by instalments have shown minimal interest in reducing this balance. Failure to respond leave them with only a handful of options at this stage.
23/4/2009
send in proposal, hardship difficulties & budget sheet.
9/7/2009
sent cca request
16/7/2009
received Statement of account 1/10/08-15/7/09 from LINK FINANCIAL
23/7/2009
received letter from LINK FINANCIAL regards my request cca. They purchased debt from MBNA on 20/12/2006 do not always hold this cca have requested from MBNA advised that can take up to 30 days to provide.
28/8/2009
received letter from LINK FINANCIAL with enclosed signed credit agreement1974(Emailed Niddy).
7/2/2011
received Statement of account 29/7/10-5/2/11 from LINK FINANCIAL
18/2/2011
received letter from LINK FINANCIAL request increase £5 payment below this axcept in extreme financial difficulty, alternatively send proof along rent statement so can continue to accept reduced payment.
6/3/2011
send in proposal, hardship difficulties & budget sheet.
5/8/2010
received Statement of account 17/1/10-28/7/10 from LINK FINANCIAL
8/8/2011
received Statement of account 6/2/11-7/8/11 from LINK FINANCIAL
9/2/2012
received Statement of account 8/2/12-8/2/12 from LINK FINANCIAL

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.
3/9/2012
letter from LINK received today(5/9/12). Please find enclosed the documents (copy of application form with separate unsigned credit agreement regulated by the Consumer Credit Act 1974 term and conditions, 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.
7/9/2012
CCA Query - Application Form Received sent.
15/9/2012
letter from LINK (dated 13/9/12) received. (refer #427)

[ATTACH]5962[/ATTACH]


This A/C was confirmed UE by Niddy. I also stopped paying Link. I'd just like to ask does the above letter effect anything. Should I go ahead & respond with the template letter.

I'd be sending this to Link--> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Thanks in advance.

[Pixie]

Re: Lovemoney UE Diary

I would send the letter Swanny suggested along with Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

[Lovemoney]

Re: Lovemoney UE Diary

I would send the letter Swanny suggested along with Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

will do...thanks for the rely

(CREDIT CARD)
ACCOUNT SOLD TO DCA (LINK FINANCIAL)
STARTED: 28/8/2003
CURRENT BALANCE: £1574
DEFAULT BALANCE: £1617 (1/11/2006)
HISTORY
21/12/2006
received letter from LINK FINANCIAL saying is the current owner of the £1617.50 outstanding balance due from me under cca. MBNA has now assigned to LINK the outstanding balance due under the CCA. As a result of this assignment the full amount of the outstanding balance is due to us immediately. Any payment made by me be processed onto my Link Financial account.

[ATTACH]5962[/ATTACH]

I may have confused things, I went through my LINK files and saw "ASSIGNED/ASSIGNMENT" on the 2006 letter, I was worried what meant and if it changed anything. I am just checking.

[Lovemoney]

Re: Lovemoney UE Diary

MBNA (CREDIT CARD)
HUSBANDS
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(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.
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.

7/9/2012
CCA Query - Application Form Received sent.

same as my husbands LINK account...

[Lovemoney]

Re: Lovemoney UE Diary

CAPITAL ONE (CREDIT CARD)
ACCOUNT SOLD TO DCA: CAPQUEST
HUSBANDS


12/7/2012
received letter from Capquest with regret you have chosen not to deal with this matter despite previous communication. In an attempt to assist you in clearing your indebtedness we would like to offer you the opportunity of making a final payment of £7137.43 within yourinterest to contact this office by 25/7/12, Failure to contact this office by the stipulated date will mean that your a/c will be progressed through our pre-litigation system, then be passed to our solicitors for legal action on or about. Should the litigation process be instigated & a judgment is granted we would seek an Order of the Court successful & it is necessary to enforce such a Warrant of Execution, a Court Enforcement Officer (Bailiff) will be assigned to attend yr address & carry out the Warrant. The Bailiff will take an inventory & may levy goods & you will be asked to sign a Walking Possession Agreement means the goods that have been seized can be removed authorised for sale to pay the debt & cost. All of this action is avoidable, your interest to prevent the course of action by contacting us immediately, failure to respondby the date outlined may result in legal action being instigated.

16/7/2012
Threat by Creditor - Threat-o-Gram Letter Before Action sent(refer #323 & #326).

28/7/2012
received reply from Capquest in response to yr recent letter the contents of which have been noted. Unfortunately unable to comment on the dispute you have raised as this was prior to our involvement & at the time the a/c was passed to us we were unaware of any existing query. Therefore we are closing the a/c on our system.(#369)

9/8/2012
received A letter from FREDRICKSON INTERNATIONAL LTD...have been instructed by Capital One who have passed this a/c to us for collection of the outstanding balance. As we have been appointed as thier agent you should now make sure you contact and not Capital One. We are authorised to contact you to secure repayment of the debt. You have failed to pay the balance of £10052.71 which remains outstanding despite previous repeated requests for payment. Our client now requires payment in full to avoid further action. YOU MUST CONTACT INNEDIATELY to discuss the matter further. For your convenience payment can be accepted by debit card, credit card or cheque.

13/8/2012
Account Sold whilst in Dispute template sent.

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. *IGNORED*

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. (see what they do next #412)

UPDATE

14/9/2012
Letter from FREDRICKSON INTERNATIONAL LTD received today(17/9/12). LETTER BEFORE ACTION...this debt must be paid in full to these offices within the next 7days otherwise we will take immediate actionl. Remains a balance outstanding on this a/c & legal action is now being considered. Should it be necessary to issue proceedings in the County Court (or Sheriff Court as may be appropriate), further additional costs will be added. If a Judgement or Decree is obtained & remains unsatisfied a bailiff or sheriff officer may be instructed to recover assets to discharge the outstanding debt. Judgment debts are registered by the Court, against you would seriously affect yr ability to obtain credit in the future. Payment can be accepted by xxxx or xxxx.

Take it I ignore and see what they do next

[pepe2008]

Re: Lovemoney UE Diary

Another Crap 1/ Fredrickson one !
Exactly the same wording, they have filled their Sect 78 Request..... just with a crap CCA/ T&Cs only/ recon.
Doesnt make it enforceable though. Twats.

[Lovemoney]

Re: Lovemoney UE Diary

HALIFAX (JOINT CURRENT A/C)
STARTED: 18/4/2006
CURRENT BALANCE: £2712 (5/6/11)
SPECIAL INSTRUCTION INDICATOR: Debt Management Programme
SPECIAL INSTRUCTION START DATE: 1/4/2009
SPECIAL INSTRUCTION END DATE: 1/11/2009
30/12/2008
send in complaint unhappy constatly received phone call from them and high level chargers.
26/1/2009
reponsed recent complaint saying phone call with strict Ofcom rulings and also conjunction with Office of Fair Trading guidelines. A/c balance is -£2639.42 and as overdraft limit is £2250 when open a/c were agreed to terms of conditions which explainedthat charges would be applied.
26/1/2009 Balance: £2639.42
received letter from Albion Collections Ltd saying a/c remains unpaid, contact them avoid legal ction and debt collection agents calling to property to collect payment these actions ared expensive and will bear these costs.
15/2/2009
send in proposal, hardship difficulties & budget sheet.
18/9/2009
received letter from Halifax payment arrangement has ended, pay £2733.51 within 28 days if not receive payment will send a 'notice of default' ti explain may take legal action.
5/10/2009 Balance: £2733.51
send in proposal, hardship difficulties & budget sheet.
20/1/2009
reponse to complaint dated 5/10/09 apologies for any distress or inconvenience the matter and for the delay response.
My letter....
* advise since agreeing to pay £1 p/m originally circumstances have not changed. * advise can't afford to pay balance in full. *offered a token payment £1 p/m and requested a suspension all interest and charges. *mentioned recent calls are harassing been requested no future phone call put it in writing instead.
They explained...
phone call with strict Ofcom rulings and also conjunction with Office of Fair Trading guidelines. 12/3/09 agreed to accept £1 p/m toke payment for durationof 6 months, in order to set up another arrangement require up to date income & expenditure. Placed 4 wks call on hold enough time to provide financial statement to reach a suitable repayment arrangment.
31/12/2009 Balance: £2729.51
received letter from Blair, Oliver and Scott Ltd Debt Collectors requires full payment asap take further action doorstep collection or court action.
10/1/2010
send in proposal, hardship difficulties & budget sheet.
11/1/2010
received letter from Blair,Oliver failed to respond full payment within 5 days more threat legal action.
18/1/2010
received more threat letter.
22/1/2010
confirm proposal to pay £1 p/m is acceptable ssubject to periodic review.
4/8/2010 Balance: £2722.51
repayment arrangement due to review request up to date income & expendenture.
10/8/2010
send in proposal, hardship difficulties & budget sheet.

26/8/2010
proposal accepted subject to periodic review.
9/3/2011 Balance: £2715.51
repayment arrangement due to review request up to date income & expendenture
30/3/2011
send in proposal, hardship difficulties & budget sheet
8/4/2010 Balance: £2714.51
proposal accepted subject to periodic review.

8/2011
Received letter from Halifax changed from Blair, Oliver to BLS Collections will not be changed.

* Thank Goodness this is the last one of my account and Niddy sorry for the delay of posting.
26/3/12
Overdraft CCA request sent.

UPDATE...
26/3/12
Letters received today...




Advice needed please...

[Lovemoney]

Re: Lovemoney UE Diary

That's just a NoA (notice of assignment) informing you that Cabot has bought your HBOS debt.

You could sent Cabot the Sold in Dispute letter to let them know you are disputing the account they've just bought ---> Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

Hi FP


Really appreciated for the reply.
Will have them in the post first thing tomorrow.
quick question do I need to send CCA request as well.