Lovemoney UE Diary

[Deepie]

Re: Lovemoney UE Diary

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...

This is what I would send -------> Final Response - Unenforceable (General)

[Lovemoney]

Re: Lovemoney UE Diary

in2deep
Impressed with the prompt reply... ....
Will get Final Response - Unenforceable (General) letter off tomorrow.

[Deepie]

Re: Lovemoney UE Diary

in2deep
Impressed with the prompt reply... ....
Will get Final Response - Unenforceable (General) letter off tomorrow.

Leave it a few days I would

[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 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)

2/10/12
Short note for request bank details from Cabot sent. (#456)

UPDATE

16/10/12
Letter(dated 15/10/12) from Cabot received today......

Can someone please advise what to do next...

[Never-In-Doubt]

Re: Lovemoney UE Diary

UPDATE

16/10/12
Letter(dated 15/10/12) from Cabot received today......
[ATTACH]6246[/ATTACH]
Can someone please advise what to do next...

yea, read this and send part 2 - the response template from post 1.

---> Overdrafts - CCA Information - allaboutFORUMS

[Lovemoney]

Re: Lovemoney UE Diary

Niddy

Sorry for the late reply...
Really appreciate for the advice
Will get this template ready to send off asap....

[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.
7/9/2012
CCA Query - Application Form Received sent.
15/9/2012
letter from LINK (dated 13/9/12) received. (refer #427)
17/9/2012
Threat by Creditor - Threat-o-Gram Letter Before Action sent. (Advised #429)

UPDATE

19/10/2012
letter from LINK (dated 17/10/12). Re: Link -&- Yourself...in acknowledgemenet of yr correspondence 5/9/12 & 16/9/12 respectively. Point out that you already been provided with a copy of the executed CCA & should you dispute that it is in fact an executed CCA or that it is not compliant with the regulations in place at the time it was incepted, you should take independent legal advice. Yr correspondence of 5/9/12 will be treated as a further S78 CCA 1974 request & we will therefore provide a further S78 CCA 1974 response together with a full response setting out why the Agreement is enforceable. We would make it clear that we do not intend thereafter to enter into protracted correspondence regarding the enforceability of the Credit Agreement & in the event that you continue to withold repayment of yr indebtedness 14days after receipt of the S78 response, we will refer the matter to the Court, being the appropriate forum to determine enforceability, without further reference to you. Your faithfully, (Defence & Resolutions, Litigation Department Tel 00000000000000)

Any advice how to respond to this please.

[Lovemoney]

Re: Lovemoney UE Diary

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

UPDATE

17/10/2012
letter from LINK received (19/10/12). Tnx for yr letter 5/9/12. We confirm a copy of the executed agreement was sent to you on 3/9/12. However issue a further reponse to yr Section 78 request, & also offer a full response outlining how & why the debt is enforceable prior to any litigation action. If you should them continue to withold repayment of yr indebtedness after this we wil intend to resort to legal action to protect our position. If you have any questions or queries in relation to this letter pls feel free to contact a member of the team on 000000000000000000. Yours sincerely, Link Outsourcing Ltd.

& any advice for this please.....thanks as always.

[ScabHunter]

Re: Lovemoney UE Diary

[/SIZE]

UPDATE

19/10/2012
letter from LINK (dated 17/10/12). Re: Link -&- Yourself...in acknowledgemenet of yr correspondence 5/9/12 & 16/9/12 respectively. Point out that you already been provided with a copy of the executed CCA & should you dispute that it is in fact an executed CCA or that it is not compliant with the regulations in place at the time it was incepted, you should take independent legal advice. Yr correspondence of 5/9/12 will be treated as a further S78 CCA 1974 request & we will therefore provide a further S78 CCA 1974 response together with a full response setting out why the Agreement is enforceable. We would make it clear that we do not intend thereafter to enter into protracted correspondence regarding the enforceability of the Credit Agreement & in the event that you continue to withold repayment of yr indebtedness 14days after receipt of the S78 response, we will refer the matter to the Court, being the appropriate forum to determine enforceability, without further reference to you. Your faithfully, (Defence & Resolutions, Litigation Department Tel 00000000000000)

[/SIZE] Any advice how to respond to this please.

UPDATE

17/10/2012
letter from LINK received (19/10/12). Tnx for yr letter 5/9/12. We confirm a copy of the executed agreement was sent to you on 3/9/12. However issue a further reponse to yr Section 78 request, & also offer a full response outlining how & why the debt is enforceable prior to any litigation action. If you should them continue to withold repayment of yr indebtedness after this we wil intend to resort to legal action to protect our position. If you have any questions or queries in relation to this letter pls feel free to contact a member of the team on 000000000000000000. Yours sincerely, Link Outsourcing Ltd.

& any advice for this please.....thanks as always.

Wait for mods, but I would think in both cases you'd send this -

Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation

SH

[Lovemoney]

Re: Lovemoney UE Diary

part 2 -
---> Overdrafts - CCA Information - allaboutFORUMS

Above letter sorted off in post Monday...
Bank details received (18/10/12) ...should I set up standing order making payment?

[Lovemoney]

Re: Lovemoney UE Diary

SH Glad to see you back here.

Wait for mods, but I would think in both cases you'd send this -
Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation
SH

Thanks for the reply....according my record...#465 had not #466.

[Deepie]

Re: Lovemoney UE Diary

Wait for mods, but I would think in both cases you'd send this -

Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation

SH

That is what I would send............. Thanks SH..........At work at mo so not much time.............

[ScabHunter]

Re: Lovemoney UE Diary

At work at mo so not much time.............

Same here. I'm just looking in briefly every now and then. I'll have a proper read through this thread on Sunday and see what's happening.

SH

[Lovemoney]

Re: Lovemoney UE Diary

[QUOTE=in 2 deep;246784]That is what I would send.............At work at mo so not much time.
[QUOTE=ScabHunter;246785]I'll have a proper read through this thread on Sunday and see what's happening.

Thanks in2deep & SH to both taken treasure time for helping me....really appreciated......
No worries I understand you are very busy & will wait patiently. Anyway I just received these letters today.

[Lovemoney]

Re: Lovemoney UE Diary

in2deep
Firstly thanks the advice for the 2 link a/cs.....

MBNA (CREDIT CARD)
ACCOUNT SOLD TO DCA (LINK FINANCIAL)
STARTED: 28/8/2003
CURRENT BALANCE: £1574
DEFAULT BALANCE: £1617 (1/11/2006)
HISTORY
17/9/2012
Threat by Creditor - Threat-o-Gram Letter Before Action sent. (Advised #429)

I have had look through & track above item and found...is being progressed through our network for delivery. Is that mean Link haven't received that letter.

Sorry to sound so dumb. Don't want to send the wrong thing. Do I need to resend Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation & definitely one for #466...Thanks as always.