Lovemoney UE Diary

[The Tech Clerk]

Re: Lovemoney UE Diary

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

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.

You should wait a few days do not rush in here and panick that is what they want you to do do not acknowledge anything at this stage let them prove it and by then bye bye???

Coming up to statute barred in england??

[Lovemoney]

Re: Lovemoney UE Diary

Thanks The Tech Clerk & FP for you both replies...Cheers!
Sorry didn't mean to cause confusion.... would like to check & confirm both 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). According RM tracking just show is being progressed through our network FOR DELIVERY, is that mean has Link received my reply????

Then on
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)

Should I just sit tight & wait on this one? No need to resend....

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

I would be sending Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation is that correct.

Thanks as always.

[ScabHunter]

Re: Lovemoney UE Diary

Thanks The Tech Clerk & FP for you both replies...Cheers!
Just like to check & confirm both a/cs....


Should I just sit tight & wait on this one? No need to resend....



I would be sending Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation is that correct.

Thanks as always.

Well, personally, for the sake of one pound and nine bob I would send that template recorded delivery for both accounts. You could always put a short note in the one for which you've already sent the letter. Something like “This was already sent to you on xx/xx/xxxx, but you don't seem to have received it”.

Stink are making direct threats of litigation, so I would respond to them.

SH

[Lovemoney]

Re: Lovemoney UE Diary

Well, personally, for the sake of one pound and nine bob I would send that template recorded delivery for both accounts. You could always put a short note in the one for which you've already sent the letter. Something like “This was already sent to you on xx/xx/xxxx, but you don't seem to have received it”.
Stink are making direct threats of litigation, so I would respond to them.SH

Thanks SH really appreciated with your input.....
Now I understood & crystal clear....

[Lovemoney]

Re: Lovemoney UE Diary

Good evening all

Just quicky update...23/10/12.

part 2 - the response template from post 1---> Overdrafts - CCA Information - allaboutFORUMS

FOR CABOT plus set up s/o for £1 pm...sent by recorded

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

FOR #466 HUSBANDS LINK A/C....sent by recorded

#465 LINK one liner referring to my letter on XX/XX/XXXX, with a copy of Threatogram letter...sent by recorded


Really appreciate all the advice I received...will keep you all update

[Lovemoney]

Re: Need Advice

CAPITAL ONE (CREDIT CARD)
START DATE: 7/4/2005
DEFAULT BALANCE: £1821
DEFAULT ON: 27/4/2009
HISTORY
5/3/12
sent cca request.
13/3/12
received reply saying under S78 to provide with a copyof executed agreement. It was confirmed by the Judgement of his Honour Judge Waksman QC in Carey v HSBC[2009]3417(QB) that providing a reconstituted copy of agreement is compliant with S78 no requirement under the CCA to provide with a photocopy of the original signed agreement. Received photocopy Original Agreement & Defaulted Agreement (Emailed Niddy).
Niddy says

19/3/12
A/c due to review required income & expenditure with some proofs.
26/3/12
Missing Prescribed Term letter sent.
2/4/12
required income & expenditure with some proofs have not received, need response within 14 days. If not previously been issued with a default may serve default notice requesting the total arrears to be paid immediately or a/c defaulted may pass tp debt collection agencyto recover the full outstanding balance. # ADVISED IGNORE & NO PAYMENT #
24/5/12
received letter from FREDRICKSON INTERNATIONAL LTD....DO NOT IGNORE IMMEDIATE PAYMENT REQUIRED. Has been instructed by Capital One who have passed this a/c to us for collection of the outstanding balance. Our client now requires payment in full (£1785.43)to avoid further action.
7/6/12
received legal action threat letter from FREDRICKSON INTERNATIONAL LTD....LETTER BEFORE ACTION. This debt must be paid in full to these office within the next 7days otherwise will take immediate action ie..issue proceedings in County Court (or the Sheriff Court aws may be appropriate).
8/6/12
Threat by Creditor - To Commence Litigation template send
18/6/12
got a reply from FREDRICKSON INTERNATIONAL LTD saying thank you for yr communication regarding this a/c. We have referred the matter to our client & will revert to you as soon as we are in receipt of instructions. We confirm that we have placed the a/c on hold.
22/6/12
received letter from FREDRICKSON INTERNATIONAL LTD further to the previous correspondence documentation. We have taken our client's instructions and have been advised that they complied with your request on the 12/4/2012. Therefore, please forward your proposals for payment to discharge the above outstanding balance.
3/7/12
received letter from Bryan Cartar Solicitors LLP with regard to the outstanding debt. Payment must be made in full within the next fourteen days failing which we will recommend to our client that proceedings be issued without further notice. And additional charges will be added to the exisiting balance. If you dispute liability for this debt please state your reasons in writing & supply us with documents in support of your defence to any claim. Before the a/c is referred to us to litigate you still have an opportunity to contact FREDRICKSON INTERNATIONAL LTD with your payment proposals. (refer: #304)
13/7/12
Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation sent.
18/7/12
received letter from FREDRICKSON INTERNATIONAL LTD thank you for your communication regarding this a/c. We have referred the matter to our client & will revert to you asap we are in receipt of instruction. In the meantime, we confirm that we have placed the a/c on hold.
13/8/12
received letter from CAPITAL ONE...(refer #387) *see what they send next #389*.

UPDATE...

24/10/12
Letter from FREDRICKSON INTERNATIONAL LTD today (25/10/12). We confirm we have referred this matter to our client & they have advised that yr complaint has now been resolved & the agreement is enforceable. As we are instructed in relation to the a/c, we would be grateful if you could contact us to set up a payment arrangement.

need some advice....

[ScabHunter]

Re: Need Advice

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UPDATE...

24/10/12
Letter from FREDRICKSON INTERNATIONAL LTD today (25/10/12). We confirm we have referred this matter to our client & they have advised that yr complaint has now been resolved & the agreement is enforceable. As we are instructed in relation to the a/c, we would be grateful if you could contact us to set up a payment arrangement.

need some advice....

Wait for the new Site Team guy, but I'd have thought this one would fit the bill -

Our Templates | Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status

SH

[Lovemoney]

Re: Lovemoney UE Diary

LLOYDS TSB (OVERDRAFT)
JOINT CURRENT ACCOUNT
STARTED: 1/6/2006
DEFAULT BALANCE: £1092.00 (14/12/06)
CURRENT BALANCE: £1067.00 (7/12/08)
ACCOUNT SOLD TO DCA APPEX CREDIT MANAGEMENT
26/3/12
Overdraft CCA request sent. Received annual statement 29/3/11-29/3/12.
29/3/12
received letter from Debt Managers saying 11/1/08 the a/c was passed to them for collection have not purchased the a/c, DML work in good faith under the instruction of Lloyds. Have referred to Lloyds for the information requested once is to hand will contact me again, in the meantime the a/c has been placed on hold.
20/4/12
Further to previous response, LTSB have advised that unable to provide a copy of agreement. An annual statement was sent to you on 28/3/12 direct from our client also once an a/c enters recoveries all interest & charges are stopped. Confirm repayment arrangement of £1 pm remains in place. The enclosed FOS leaflet provides details how to complain within the next 6 mnths, if you feel we have not assisted you in resolving this matter. Emailed to Niddy.

UPDATE...

17/10/12
We both received letter from...
LTSB (24/10/12)...Writing to notify you that LTSB has assigned all of its respective rightsk title & interest in respect of the a/c(including the outstanding balance) to Prime Credit 1 s.a.r.l, effective 3/8/12. The total balance sold was £1026.39, any payments made towards yr a/c after 3/8/12 will be forwarded to Apex Credit Management & will be deducted from the balance. Under the terms of this assignment, & as defined in the DPA 1998. Debt Managers will continue to manage yr a/c & it is essential that all future payments & correspondence regarding this a/c continue to be directed to Debt Managers.
APEX...Write to inform you that LTSB has now assigned to Prime Credit 1 s.a.r.l. Your personal data will be processed for the purposes of the proper execution, follow up & enforcement of the agreement related to yr a/c. Pls note Prime Credit may, in line with standard industru practice, communicate yr data to third parties for the same purposes, including (but not limited to) Credit Reference Bureaux. Though the Bank has transferred the outstanding balance on yr a/c to Prime, you can still contact the Bank in relation to any complaints you have about the time when they held yr a/c. Apex has been appointed by Prime to manage yr a/c. However we wish to confirm that the repayment arrangement you have with Debt Managers will continue & you should continue to make payments in line with yr existing arrangement. You have the right to access &, where it is inaccfurate of incomplete, to update, yr personal data, pls write to the Data Protection Officer at Apex.

Do I need to reply with anything at the moment .....

[ScabHunter]

Re: Lovemoney UE Diary

No, that is just a Notice of Assignment. The account has obviously been assigned in absolute as the letter says "(including the outstanding balance)"

No need to do anything yet, just wait for them to start the letter ping-pong.

SH

[Lovemoney]

Re: Lovemoney UE Diary

EGG (CREDIT CARD)
ACCOUNT SOLD TO CAPQUEST & AKTIV KAPITAL
BALANCE: £11344.81
HUSBANDS
26/3/12
sent cca request.
18/5/12
cca received emailed (on the cover letter saying whilst we wait on your response, please be advised that this a/c remains on hold).
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.
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.

UPDATE...
20/10/12
Letter from Aktiv Kapital received today (25/10/12) refer to previous communications, would like to confirm that we are still waiting for information to be supplied to ourselves from the original creditor. This information is required by ourselves in order to resolve yr query. Your a/c continues to remain on hold, whilst we await this information.

Just file it...

[ScabHunter]

Re: Lovemoney UE Diary

Just file it...

Indeed. Hopefully, for a long time....

SH

[Lovemoney]

Re: Lovemoney UE Diary

SH

Thanks for both of the replies....
I'll do as you suggest...

[Deepie]

Re: Lovemoney UE Diary

Thanks SH........... Just what I would have done.........

[Lovemoney]

Re: Lovemoney UE Diary

in2deep

Thank you for the confirmation....will get the
Our Templates | Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status letter prepare and post it off sometime next week.

you both are (i2d & SH) such geniuses .

[Lovemoney]

Re: Lovemoney UE Diary

MBNA (CREDIT CARD)
HUSBANDS
ACCOUNT SOLD TO DCA (LINK)
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.
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
23/10/2012
Threat by Creditor - To Commence Litigation sent by recorded. *refer #467.

UPDATE...

26/10/2012
letter from LINK received (29/10/12). Find enclosed the documents you have requested from LINK. If you have any additional queries relating to this documentation pls do no t hesitate to contact us. Where this request was made under Section 77 or 78 of the CCA 2006 this document fulfils our obligations.

they keep sending me Application Form (Priority Request Form) with seperate copy of term & conditions of use (without signature). What should I do next, any advice will be appreciated.