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  • Re: Need Advice

    Originally posted by Lovemoney View Post
    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.
    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) *IGNORED & SEE WHAT THEY SEND NEXT
    UPDATE...

    17/9/2012
    Letter from BLS received today (20/9/12)...due to yr lack of contact, that you have no intention of paying this debt on a voluntary basis. If you do not contact us within 14 days, will force us to commence legal action against you. You should be aware this course of action will result in you incurring additional fees & cost estimated minimum of £145. If a county court judgement likely to ask the court to enforce the judgement in one of following way:-
    A) A Warrant of Execution:
    B) An Attachment of Earnings:
    C) A Charging Order:
    We are determined that this debt will be repaid, preferably by mutual agreement. If this is not the case, by the action described. Please contact if you wish to avoid this action or are in financial difficulty on XXXXXX. We may still, even at this late stage, be able to assist.

    Can someone please advise what to do next.

    Comment


    • Re: Need Advice

      Originally posted by Lovemoney View Post
      UPDATE...

      17/9/2012
      Letter from BLS received today (20/9/12)...due to yr lack of contact, that you have no intention of paying this debt on a voluntary basis. If you do not contact us within 14 days, will force us to commence legal action against you. You should be aware this course of action will result in you incurring additional fees & cost estimated minimum of £145. If a county court judgement likely to ask the court to enforce the judgement in one of following way:-
      A) A Warrant of Execution:
      B) An Attachment of Earnings:
      C) A Charging Order:
      We are determined that this debt will be repaid, preferably by mutual agreement. If this is not the case, by the action described. Please contact if you wish to avoid this action or are in financial difficulty on XXXXXX. We may still, even at this late stage, be able to assist.

      Can someone please advise what to do next.
      I Would send this if it were me ------>Threat by Creditor - Threat-o-Gram Letter Before Action
      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

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      Comment


      • Re: Need Advice

        Originally posted by in 2 deep View Post
        I Would send this if it were me ------>Threat by Creditor - Threat-o-Gram Letter Before Action
        Hi I2D

        Cheers.. will do.

        Comment


        • Re: Lovemoney UE Diary

          Originally posted by Lovemoney View Post
          MBNA (CREDIT CARD)
          ACCOUNT SOLD TO DCA (LINK FINANCIAL)
          STARTED: 28/8/2003
          CURRENT BALANCE: £1574
          DEFAULT BALANCE: £1617 (1/11/2006)
          HISTORY
          7/9/2012
          CCA Query - Application Form Received sent.
          Originally posted by Lovemoney View Post
          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.
          Just been RM website to track above item, it still shows..."is being progressed through our network for delivery."
          Since 10/9/12 take such a long time presumably it has lost in the post.

          Shall I resend this letter or just ignore for now.

          Comment


          • Re: Lovemoney UE Diary

            Originally posted by Lovemoney View Post
            Just been RM website to track above item, it still shows..."is being progressed through our network for delivery."
            Since 10/9/12 take such a long time presumably it has lost in the post.

            Shall I resend this letter or just ignore for now.
            I wouldn't, you have proof of posting. Just wait and see if you get a reply. I've had several letters like you describe at royal mail and got replies off the dca/creditor.

            Comment


            • Re: Lovemoney UE Diary

              Originally posted by swanfan View Post
              I wouldn't, you have proof of posting. Just wait and see if you get a reply. I've had several letters like you describe at royal mail and got replies off the dca/creditor.
              Hi swanfan
              Thanks for the info...It is very much appreciated
              I'll do as you suggest and wait... .

              Comment


              • Re: Lovemoney UE Diary

                Originally posted by Lovemoney View Post
                CAPITAL ONE (CREDIT CARD)
                ACCOUNT SOLD TO DCA: CAPQUEST
                HUSBANDS
                30/4/2012
                Niddy confirmed MPT letter sent. (#151)
                15/5/2012
                received reply from Capital One saying previously provided with a copy of yr defaulted t&c and a reconstituted copy of orginal agreement, together with a scanned copy of signature page of original agreement with a statement. We have fully complied with the requirements of S78 of the CCA. You have failed to state why you allege that the Agreement is improperly executed pursuant to Section 61(1). The Agreement was properly executed pursuant to Section 61(1):
                a) in the prescribed form and contains all the prescribed terms, conforms to the regulations under Section 60(1) of the Act and has been signed in the prescribed manner by the Claimant & Defendant.
                b) embodies all the terms of the agreement, other than implied terms; and
                c) when presented to the debtor was in such a state that all its terms were readily legible........
                Review of the full agreement will no doubt agree contains all the prescribed terms and therefore fully enforceable.
                23/5/2012
                received HL LEGAL SOLICITORS letter (dated 19/5/12) TAKE NOTICE that if you fail to repay the arrears on the arrangements you have made of £2.00 by 28/5/12 Court proceedings may be issued against you for £10052.71 plus further costs that will be added. Furthermore, if you commence payments and fail in your commitments in future without good cause or reason, further action may commence without further notice.

                29/5/2012 Balance £10052.71
                received letter from Capquest further to yr recent communication we can confirm acceptance of this as follow: Instalment Amount £1 payment to be received by 27 Jun 12 failure to comply with the above will make the full balance become immediately payable and may then be liable for legal action, which if successful would increase yr liability to £10277.71. Due to low repayment amount able to offer the following settlement figure....settlement offer 71% of the balance outstanding = £7137.42 must be received by 4/6/12.
                28/6/2012 Balance £10052.71
                received letter from Capquest prior to the start of legal proceedings various checks & validations are undertaken to establish facts around yr current circumstances. There are outstanding CCJ's registered against you are in excess of three yrs old & this is the reason corresponding with you & highlighting this as a matter of urgency indicates to us that you may be attempting to repair yr credit file. If we were to start the legal process & Judgment is awarded it will remain on your credit file for 6 yrs could have a damaging affect on yr ability to obtain credit now & future like simple credit agreement such as mobile phone contract blah blah.... We are not seeking an immediate payment in full; can offer many repayment methods that can be designed around yr current circumstances which may include possible settlements that will save you money, do contact on XXXXXXX before 7/7/12. (Ref #299 & #301).
                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)
                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. *IGNORE & SEE WHAT THEY DO NEXT #437*

                UPDATE...
                20/9/2012
                Yellow card from FREDRICKSON received today(24/9/12). CONFIRMED RESIDENT...This a/c is seriously in arrears & you have failed to reply to correspondence or make a payment arrangement despite trace enquiries showing you as living at this address. Contact us now on XXXXXX to arrange a payment or yr a/c will be passed to solicitors with authorisation to proceed with immediate litigation proceedings against you at the above address.

                Can someone please advise what to do next....

                Comment


                • Re: Lovemoney UE Diary

                  Originally posted by Lovemoney View Post
                  UPDATE...
                  20/9/2012
                  Yellow card from FREDRICKSON received today(24/9/12). CONFIRMED RESIDENT...This a/c is seriously in arrears & you have failed to reply to correspondence or make a payment arrangement despite trace enquiries showing you as living at this address. Contact us now on XXXXXX to arrange a payment or yr a/c will be passed to solicitors with authorisation to proceed with immediate litigation proceedings against you at the above address.

                  Can someone please advise what to do next....
                  Send this asap ---> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action
                  I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                  If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                  Comment


                  • Re: Lovemoney UE Diary

                    Niddy

                    Thanks for the swift reply...much appreciated. Will get the letter off in the post first thing in the morning.
                    Last edited by Lovemoney; 24 September 2012, 19:34.

                    Comment


                    • Re: Lovemoney UE Diary

                      Originally posted by Lovemoney View Post
                      Niddy

                      Thanks for the swift reply...much appreciated. Will get the letter off in the post first thing in the morning.


                      Nice one, keep us updated
                      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                      If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                      Comment


                      • Re: Lovemoney UE Diary

                        Thanks Niddy for both the above replys, will keep you updated

                        Comment


                        • Re: Lovemoney UE Diary

                          Originally posted by Lovemoney View Post
                          EGG (CREDIT CARD)
                          ACCOUNT SOLD TO CAPQUEST & AKTIV KAPITAL
                          BALANCE: £11344.81
                          HUSBANDS
                          22/5/12
                          Niddy says based on the fact it's a damn good recon by the looks of it is
                          however that said it still isn't signed or anything so definitely
                          worth blagging by sending MPT letter.
                          22/5/12
                          MPT letter send. (#208 advice carry on paying £1)
                          28/5/12 Balance £11322.81
                          reply saying refer to further information regarding agreement will contact the original creditor to provide the information that you require in an effort to resolve this matter. Due to the fact that we have to try to obtain documents from the OC we may be unable to do so, yr a/c is on hold and has been removed from the collection process whilst we await the requested information.
                          28/7/12
                          received letter from Aktiv Kapital refer to previous communications, would like to confirm that we are still waiting for information to be supplied to ourselves in order to resolve yr query. Your a/c continues to remain on hold, whilst we await this information.



                          UPDATE

                          20/9/12
                          Letter from Aktiv Kapital received today (27/9/12) refer to previous communications, would like to confirm that we are still waiting for information to be supplied to ourselves in order to resolve yr query. Your a/c continues to remain on hold, whilst we await this information.

                          Filed for now...

                          Comment


                          • Re: Lovemoney UE Diary

                            Originally posted by Lovemoney View Post
                            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 toke 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.
                            26/3/12
                            Overdraft CCA request sent (Blair, Oliver).
                            14/9/12
                            Letter received (19/9/12 #439) BANK OF SCOTLAND writing to notify you that bank of scotland has assigned all of its respective rights, tittle and interest in respect of the above referenced a/c (including the outstanding balance) to Cabot Financial (UK) Ltd effective 3/8/2012.The total balance sold was £2702.51, as at the date of sale 03/08/2012. Any payments made towards yr a/c after 3/8/12 will be forwarded to Cabot Financial, & will be deducted from the balance shown above.
                            Letter received (19/9/12 #439) CABOT FINANCIAL has recently bought the a/c you held with Bank of Scotland & we're now responsible for answering yr queries & receiving payments. According to our records you currently owe £2696.51.Your agreed monthly repayment plan with Bank of Scotland now needs to be maintained with Cabot. Pls ensure that with immediate effect all future payments are made direct to us. We regularly review the arrangements on our a/cs, including the monthly payment a/c. IMPORTANT: if, for any reason, we don't receive yr payments on time we'll cancel this arrangement. The full outstanding balance will then become due.
                            19/9/12
                            Account Sold whilst in Dispute sent. (*Refer #440)
                            I need some advice as below please....

                            I'm still paying £1pm to Halifax & now I'm trying to change the payment to Cabot. So I emailed them for their bank details so I can set up a s/o. According their website they will reply within 2 days. Now already a week and still no reply to 2 emails.

                            This a/c is joint but they have only contacted me not my husband.

                            I've received Equifax Alert mail (28/9/12) found Halifax change defaulted to settled.

                            Lastly on 26/3/12 I sent overdraft CCA request to Blair Oliver, they have not reply with my request should I send the follow up CCA letter.

                            Thanks in advance

                            Comment


                            • Re: Lovemoney UE Diary

                              Originally posted by Flowerpower
                              You could try writing to them (by post) since they don't reply to your emails, this would also give you a more solid paper trail.
                              however, if they are not sending you threat-o-grams and you are going to pay them, probably best not to upset the apple cart by sending a follow up at this stage.
                              Thanks FP
                              Really appreciate your suggestions.... .

                              Comment


                              • Re: Lovemoney UE Diary

                                Originally posted by Lovemoney View Post
                                CAPITAL ONE (CREDIT CARD)
                                ACCOUNT SOLD TO DCA: CAPQUEST & FREDRICKSON INT.
                                HUSBANDS
                                30/4/2012
                                Niddy confirmed MPT letter sent. (#151)
                                15/5/2012
                                received reply from Capital One saying previously provided with a copy of yr defaulted t&c and a reconstituted copy of orginal agreement, together with a scanned copy of signature page of original agreement with a statement. We have fully complied with the requirements of S78 of the CCA. You have failed to state why you allege that the Agreement is improperly executed pursuant to Section 61(1). The Agreement was properly executed pursuant to Section 61(1):
                                a) in the prescribed form and contains all the prescribed terms, conforms to the regulations under Section 60(1) of the Act and has been signed in the prescribed manner by the Claimant & Defendant.
                                b) embodies all the terms of the agreement, other than implied terms; and
                                c) when presented to the debtor was in such a state that all its terms were readily legible........
                                Review of the full agreement will no doubt agree contains all the prescribed terms and therefore fully enforceable.
                                23/5/2012
                                received HL LEGAL SOLICITORS letter (dated 19/5/12) TAKE NOTICE that if you fail to repay the arrears on the arrangements you have made of £2.00 by 28/5/12 Court proceedings may be issued against you for £10052.71 plus further costs that will be added. Furthermore, if you commence payments and fail in your commitments in future without good cause or reason, further action may commence without further notice.
                                29/5/2012 Balance £10052.71
                                received letter from Capquest further to yr recent communication we can confirm acceptance of this as follow: Instalment Amount £1 payment to be received by 27 Jun 12 failure to comply with the above will make the full balance become immediately payable and may then be liable for legal action, which if successful would increase yr liability to £10277.71. Due to low repayment amount able to offer the following settlement figure....settlement offer 71% of the balance outstanding = £7137.42 must be received by 4/6/12.
                                28/6/2012 Balance £10052.71
                                received letter from Capquest prior to the start of legal proceedings various checks & validations are undertaken to establish facts around yr current circumstances. There are outstanding CCJ's registered against you are in excess of three yrs old & this is the reason corresponding with you & highlighting this as a matter of urgency indicates to us that you may be attempting to repair yr credit file. If we were to start the legal process & Judgment is awarded it will remain on your credit file for 6 yrs could have a damaging affect on yr ability to obtain credit now & future like simple credit agreement such as mobile phone contract blah blah.... We are not seeking an immediate payment in full; can offer many repayment methods that can be designed around yr current circumstances which may include possible settlements that will save you money, do contact on XXXXXXX before 7/7/12. (Ref #299 & #301).
                                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)
                                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. *IGNORE & SEE WHAT THEY DO NEXT #437*
                                20/9/2012
                                Yellow card from FREDRICKSON INTERNATIONAL LTD received today(24/9/12). CONFIRMED RESIDENT...This a/c is seriously in arrears & you have failed to reply to correspondence or make a payment arrangement despite trace enquiries showing you as living at this address. Contact us now on XXXXXX to arrange a payment or yr a/c will be passed to solicitors with authorisation to proceed with immediate litigation proceedings against you at the above address.
                                24/9/2012
                                Threat by Creditor - Threat-o-Gram Letter Before Action (Refer#450)sent.


                                UPDATE

                                4/10/12
                                2 letters (in 1 envelope) from FREDRICKSON INTERNATIONAL LTD received today(8/10/12).
                                Letter 1 (dated 4/10/12) Thanks 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.
                                Letter 2 (dated 5/10/12) Write in response to yr recent letter. We have taken our client's instructions & they have advised us that they wrote to you on 15/5/12 confirming that they have complied with their obligation under s78 to provide you with a copy of the executed agreement & further advised you that no further correspondence in relation to the provision of the copy agreement will be entered into. Hope this clarifies the matter & we look forward to receiving proposals of payment to discharge outstanding balance within the next 7 days failing which further action may commence.

                                Further advice needed please...

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