Lovemoney UE Diary

[Lovemoney]

Re: Lovemoney UE Diary

I2D & Flowerpower

Hope both of you are fine...

Thanks for the replies...

I would send a one liner................5/3/12
sent cca request.

will get this note ready & send it off by monday...

You may want to take a look at this ---> allaboutFORUMS - View Single Post - Slickfm UE Diary

...and this ---> Letters of Claim - allaboutFORUMS

thanks for the linky...will have a good read later

[Lovemoney]

Re: Lovemoney UE Diary

LLOYDS TSB (CREDIT CARD)
HUSBANDS
26/3/2012
cca request sent.
4/4/2012
received printed CCA without signature (same CCA which Mrs received under her name previously, Niddy says unenforceable)
10/4/2012
Missing Prescribed Term sent.
7/8/2012
received letter from Lloyds...your repayments are in arrears & a payment of £2 is required. You are reminded that in order to avoid further action, payments must be made on the due date previously agreed under the instalment plan. If you are unable to make these payments, please complete & return the questionnaire overleaf within 10 days to enable us to assess yr situation. If you wish to make a payment today using either yr debit or credit card then please contact us.....
12/8/2012
Would see what they do next (Advice #382).

UPDATE...
5/11/2012
Received letter from...
LTSB (9/11/12)...Writing to notify you that LTSB has assigned all of its respective rights, title & interest in respect of the a/c(including the outstanding balance) to Cabot Financial, effective 2/10/12. The total balance sold was £2346.20, any payments made towards yr a/c after 2/10/12 will be forwarded to Cabot Financial & will be deducted from the balance. Under the terms of this assignment, & as defined in the DPA 1998. Cabot Financial (Europe) Ltd has been appointed by Cabot Financial (UK) Ltd, to manage yr a/c in line with the arrangements agreed with BLS Collections. It is essential that all future payments & correspondence regarding this a/c now be directed to Cabot Financial (Europe) Ltd.
CABOT FINANCIAL...The Cabot Credit Management Group has recently bought the a/c you held with TSB & we're now responsible for answering yr queries & receiving payments. According to our records you currently owe £2346.20. If you wish to repay this amount in full now, pls contact usto discuss. Yr agreed monthly repayment plan with TSB 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 amount. 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. The most important thing for you to do now is to get in touch with us & one of our helpful customer advisors will discuss the option for repaying yr a/c. Our aim is to help customers get their a/cs cleared-so do contact us soon!

As always, any advice is really appreciated .....

[Lovemoney]

Re: Need Advice

LLOYDS TSB BANK - (CREDIT CARD)
START DATE: 14/4/2005
DEFAULT BALANCE: £1536
DEFAULT ON: 7/8/2006
ACCOUNT SOLD TO DCA (BLS) - AGREED £1 TOKEN PAYMENT SET UP STANDING ORDER EACH MONTH
HISTORY
24/3/12
Niddy says
26/3/12
Missing Prescribed Term sent.
6/7/12
received letter from BLS saying have not received the Repayment Plan Arrears: £2.00. To avoid further action must pay £2.00 within 7 days. If want to make a payment today please contact. If you're experiencing financial difficulties we would suggest contact Debt Management Co such as XXXXX. I you've made a payment i the last 7 days, please ignore. *IGNORE*
18/7/12
received letter from BLS It is essential that you telephone BLS Collections on XXXXXXXXX TODAY.
(underneath the letter) PLEASE ENSURE REGULAR PAYMENTS ARE MAINTAINED TO AVOID FURTHER ACTION BEING TAKEN).
24/7/12
(#357 Paul special) letter with copies of Missing Prescribed Term sent.
25/7/12 Balance £1452.33
received letter from BLS Repayment Plan Arrears: £2.00
We contacting you about the above a/c as the repayment plan you agreed is still overdue. We have previously reminded you about the money you owe & you must pay the amount outstanding straight away. You can do this by calling the no above. If you don't pay the outstanding amount to bring yr a/c back on track within 10 days from the date of this letter yr a/c will fall further into arrears could result in yr repayment plan being cancelled & the full balance of £1452.33 will be due. If you are experiencing financial difficultie we would suggest you contact a Debt Management Co such as....free organisations who will assist you by offering independent advice on yr situation. If you have made a payment in the last 7 working days, please ignore this letter.
11/8/2012
received letter from Lloyds...(refer #378)
13/8/2012
Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status sent.
13/8/2012
received letter from BLS...It is essential that you telephone BLS Collections on XXXXXXXXXXXX TODAY. *see what they send next #389*
15/8/2012
received letter (refer #394) from Lloyds refer to yr previous correspondence & confirm that this represents the Bank's final response. We note yr comments regarding the agreement being unenforceable as the documents you requested were not issued within 12 days. Please be aware that the agreement is only unenforceable for the period that has lapesed between the 12 days & the date that yr request was fulfilled. Turning to yr allegations of harassment, it is the bank's obligation as a responsible lender to advise customers as soon as reasonable that they're in arrears. The bank will give no undertaking not to contact you to ask for payment, particularly as yr alleged "dispute" is unfounded. We will not enter into any further correspondence regarding this matter & as we've been unable to reach a mutual agreement. *WAIT FOR THEIR NEXT MOVE*
24/8/2012
received letter from BLS...Repayment Plan Arrears: £3.00. We've tried several times to contact you regarding the arrears on yr a/c. Unless the outstanding arrears amount reaches us within 10 days from 20/8/12 yr repayment plan will be cancelled & the balance of £1452.33 will be due. You can make a payment today by calling us XXXXXX. Failure to contact us may result inc:- 1. Yr a/c being passed to our legal department & court proceedings raised against you. 2. Yr a/c being passed to one of our local door-to-door collections agents who may call at yr address to discuss the outstanding debt. If you are experiencing financial difficultie we would suggest you contact a Debt Management Co such as....free organisations who will assist you by offering independent advice on yr situation. If you have made a payment in the last 7 working days, please ignore this letter.
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*

17/9/2012
Letter from BLS...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.

20/9/2012
Threat by Creditor - Threat-o-Gram Letter Before Action sent.

UPDATE...

5/11/2012
Received letter from...
LTSB (9/11/12)...Writing to notify you that LTSB has assigned all of its respective rights, title & interest in respect of the a/c(including the outstanding balance) to Cabot Financial, effective 2/10/12. The total balance sold was £1452.33, any payments made towards yr a/c after 2/10/12 will be forwarded to Cabot Financial & will be deducted from the balance. Under the terms of this assignment, & as defined in the DPA 1998. Cabot Financial (Europe) Ltd has been appointed by Cabot Financial (UK) Ltd, to manage yr a/c in line with the arrangements agreed with BLS Collections. It is essential that all future payments & correspondence regarding this a/c now be directed to Cabot Financial (Europe) Ltd.
CABOT FINANCIAL...The Cabot Credit Management Group has recently bought the a/c you held with TSB & we're now responsible for answering yr queries & receiving payments. According to our records you currently owe £1452.33. If you wish to repay this amount in full now, pls contact usto discuss. Yr agreed monthly repayment plan with TSB 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 amount. 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. The most important thing for you to do now is to get in touch with us & one of our helpful customer advisors will discuss the option for repaying yr a/c. Our aim is to help customers get their a/cs cleared-so do contact us soon!

same as this one pls...

[Lovemoney]

Re: Lovemoney UE Diary

Flowerpower

Thank you for the swift reply...YES this is Crapbot's first contact on both accounts above.

Will get this Our Templates | Unenforceability Templates | Account Sold whilst in Dispute prepared & send off asap.

I take it you WILL be maintaining your agreed monthly repayment plan of £0/pcm...
You know me well...

[Lovemoney]

Re: Lovemoney UE Diary

[QUOTE=Lovemoney;165631]CAPITAL ONE (CREDIT CARD)
ACCOUNT SOLD TO DCA: CAPQUEST & FREDRICKSON INT.
HUSBANDS
26/3/2012
cca request sent. (Direct from Capital One)

6/4/2012
received a reconstituted copy of original Credit Agreement (cover letter dated 6/4/2012) Emailed Niddy
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.
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.
12/10/12
Final Response - Unenforceable (General) sent (by recorded). *Refer #459
27/10/12
Letter received from FREDRICKSON INTERNATIONAL LTD... just contact us about the above a/c (lost the letter accidently bin it).
5/11/12 BALANCE £10052.71
Letter received (6/11/12) from Bryan Carter Solicitors (same address with Fredrickson). We write with regard to this outstanding debt. Payment must be made in full within the next 14 days failing which we will recommend to our client that proceedings be issued without further notice. Should proceedings be issued, additional charges will be added to the existing balance...Outstanding Balance to pay now £10052.71+Interest £804.22+Court fee £190.00+Solicitor Costs £100.00=New Balance IF proceeding are issued £11146.93. If you dispute liability for this debt pls state yr reasons in writing & supply us with documents in support of yr defence to any claim. Before the a/c us referred to us to litigate you still have an opportunity to contact FREDRICKSON with yr payment proposals. In order to avoid further action you should tel them immediately on XXXXXXXXX. This is a serious matter & you may wish to seek independent legal advice. (Advice Refer #507)
12/11/12
Letter sent (allaboutFORUMS - View Single Post - Slickfm UE Diary [uploaded for Niddy to look & approved] by recorded)[/QUOTE]

UPDATE
16/11/12
Received letter (dated 14/11/12) from Bryan Carter Solicitors. Tnx for yr letter dated the 8/11/12, the content has been noted.
We believe that our client has complied with the Pre-Action Protocol so far as it applies to this matter.
In relation to yr request for documents, this a/c is regulated by consumer credit legislation. It is our client's policy to provide agreements to its customers at the point of contract & statements throughtout & therefore you have already been provided with validation of the debt.
Our client confirms that they have fulfilled their obligations under section 78 of the CCA 1974 & the debt remains enforceable.
For the avoidance of doubt however the monies due may be paid to us by direct debit, bank S/O, cash & etc... Pls see our notepaper for details of our address & tel no.
You may contact us between XXXXXXX.
We confirm that a list of organisations where independent advice could be obtainede was provided on the overleaf of our client's agent's notepaper. We look forward to hearing from you with yr payment proposals within 21 days. Pls note should we not hear from you by 5/12/12 collection activity may resume.

Any advise on how to respond to this stage pls...!

[ScabHunter]

Re: Lovemoney UE Diary

This is only a bog standard template from that slimy snake Carter.

I see Paul was browsing the thread earlier, so unless he has any better suggestions I'd just counter the latest facetious drivel with this -

Our Templates | Unenforceability Templates | Repeated Threat by Creditor - Enough is Enough Response

Carter's letter is preposterous because it does nothing to address the issue of s. 78, other than the completely silly assertion that their client has "confirmed" that they have fulfilled their obligations. I can "confirm" that white is darker than black. Big deal.

What does this crap mean - "In relation to yr request for documents, this a/c is regulated by consumer credit legislation. It is our client's policy to provide agreements to its customers at the point of contract & statements throughtout & therefore you have already been provided with validation of the debt." Providing anything at point of contract has nothing to do with an obligation to comply with s. 78 whenever the request is made.

SH

EDIT - Oh, I forgot to add, I would time the letter to arrive on 5th December. If that is when Carter wants a response, you may as well absorb a bit more time before you provide one.

[Lovemoney]

Re: Lovemoney UE Diary

Hi SH

Thank you for just replying...very much appreciated.


Unless Paul spotted this thread & assist further, if not I would follow your advice and send Unenforceability Templates | Repeated Threat by Creditor - Enough is Enough Response.

you may as well absorb a bit more time before you provide one.

Would you recommend respond around 26/11/12.

[ScabHunter]

Re: Lovemoney UE Diary

Would you recommend respond around 26/11/12.

Yes, that sounds about right. That is a Monday, so it has all week plus half of the next one to get there. You want to send it second class, no point giving the Royal Snail any more money than you have to.

SH

[SaltnVinegar]

Re: Lovemoney UE Diary

UPDATE
16/11/12
Received letter (dated 14/11/12) from Bryan Carter Solicitors. Tnx for yr letter dated the 8/11/12, the content has been noted.
We believe that our client has complied with the Pre-Action Protocol so far as it applies to this matter.
In relation to yr request for documents, this a/c is regulated by consumer credit legislation. It is our client's policy to provide agreements to its customers at the point of contract & statements throughtout & therefore you have already been provided with validation of the debt.
Our client confirms that they have fulfilled their obligations under section 78 of the CCA 1974 & the debt remains enforceable.
For the avoidance of doubt however the monies due may be paid to us by direct debit, bank S/O, cash & etc... Pls see our notepaper for details of our address & tel no.
You may contact us between XXXXXXX.
We confirm that a list of organisations where independent advice could be obtainede was provided on the overleaf of our client's agent's notepaper. We look forward to hearing from you with yr payment proposals within 21 days. Pls note should we not hear from you by 5/12/12 collection activity may resume.

Any advise on how to respond to this stage pls...!

Well your previous letter has had some effect.

He's gone from threatening litigation, to making some very vague statements which ignore the issue to hand and asking you to make a payment.

The only threat in that letter is if they do not hear from you in 21 days then collection activity MAY resume.

He's refrained from stating what that collection activity may actually consist of!

[ScabHunter]

Re: Lovemoney UE Diary

Well your previous letter has had some effect.

He's gone from threatening litigation, to making some very vague statements which ignore the issue to hand and asking you to make a payment.

The only threat in that letter is if they do not hear from you in 21 days then collection activity MAY resume.

He's refrained from stating what that collection activity may actually consist of!

That is exactly the way I read it, also. It is like half-capitulation and half-smoke screen. One part of the letter makes a pathetically weak threat, a total climb-down from the previous one, while the other tries to obfuscate and confuse, in the hope that the alleged debtor will be frightened into paying or communicating by telephone.

It is definitely a significant step in the right direction from the last letter.

SH

[SXGuy]

Re: Lovemoney UE Diary

For the avoidance of doubt however the monies due may be paid to us by direct debit, bank S/O, cash & etc... Pls see our notepaper for details of our address & tel no.

How does ways to pay, avoid doubt? that letter just seems to be a string of sentances to try and confuse you lol

For the avoidance of doubt however, Pigeons carry germs, so pay us by direct debt, or credit card....

[Lovemoney]

Re: Lovemoney UE Diary

Thank you guys for all your comments & help....

[Lovemoney]

Re: Need Advice

LLOYDS TSB BANK - (CREDIT CARD)
START DATE: 14/4/2005
DEFAULT BALANCE: £1536
DEFAULT ON: 7/8/2006
ACCOUNT SOLD TO DCA (BLS) - AGREED £1 TOKEN PAYMENT SET UP STANDING ORDER EACH MONTH
HISTORY
10/12/2007
As you will recall, we agreed a repayment programme that took into a/c yr current circumstnaces at the time. We are disappointed to note that you have failed to adhere to yr commitment. If the repayment programme is not brought up to date by paying £1.00 TODAY, you will force us to formally demand that you repay the full balance of £1513.33 immediately. Should yr circumstnaces have changed, you should contact us immediately.
22/7/2008
As you will recall, we agreed a repayment programme that took into a/c yr current circumstnaces at the time. We are disappointed to note that you have failed to adhere to yr commitment. If the repayment programme is not brought up to date by paying £2.00 TODAY, you will force us to formally demand that you repay the full balance of £1506.33 immediately. Should yr circumstnaces have changed, you should contact us immediately.
29/9/2008
Received letter from BLS...We refer to yr recent correspondence. After careful consideration we are unable to accept the offer of £1.00. Full income & expenditure details are required before the offer can be reconsidered. Failure to comply with this request within the next 10 days may result in court action. Alternatively our client TSB may consider a personal visit by one of its other agents.
29/9/2008 BALANCE £1504.33
Received letter from BLS...in these difficult times of increased fuel costs & food bills we understand that juggling outstanding bills & debts is difficult. TSB have outlined two offers below, these options & choose which best suits you: 1. Pay £428.66 which is 28% of yr total balance, in either three instalments of £142.89 or six instalments of £71.44 & we will consider yr a/c settled in full. 2. If you can increase yr monthly instalment we will be able to reduce yr balance by making further payment(s) to yr debt as a gesture of goodwill. This offer is only available for a limited period of time.
21/4/2009
Received letter from BLS...yr monthly payment plan has now expired. In the circumstances, yr monthly repayment has been increased to £2.00 starting next month. If you are unable to meet this increase, pls call us. At this stage it is essential that you have yr income & expenditure details to hand.
9/7/09
cca request sent.

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*
17/9/2012
Letter from BLS...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.
20/9/2012
Threat by Creditor - Threat-o-Gram Letter Before Action sent.
5/11/2012
Received letter from...
LTSB (9/11/12)...Writing to notify you that LTSB has assigned all of its respective rights, title & interest in respect of the a/c(including the outstanding balance) to Cabot Financial, effective 2/10/12. The total balance sold was £1452.33, any payments made towards yr a/c after 2/10/12 will be forwarded to Cabot Financial & will be deducted from the balance. Under the terms of this assignment, & as defined in the DPA 1998. Cabot Financial (Europe) Ltd has been appointed by Cabot Financial (UK) Ltd, to manage yr a/c in line with the arrangements agreed with BLS Collections. It is essential that all future payments & correspondence regarding this a/c now be directed to Cabot Financial (Europe) Ltd.
CABOT FINANCIAL...The Cabot Credit Management Group has recently bought the a/c you held with TSB & we're now responsible for answering yr queries & receiving payments. According to our records you currently owe £1452.33. If you wish to repay this amount in full now, pls contact usto discuss. Yr agreed monthly repayment plan with TSB 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 amount. 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. The most important thing for you to do now is to get in touch with us & one of our helpful customer advisors will discuss the option for repaying yr a/c. Our aim is to help customers get their a/cs cleared-so do contact us soon!

12/11/2012
Unenforceability Templates | Account Sold whilst in Dispute sent by recorded. (*#511)

UPDATE...
21/11/2012
Received letter from Cabot today (22/11/12). Acknowledging your complaint...we refer to yr letter received onb 20/11/12. We regret that you have felt the need to contact Cabot to express yr dissatisfaction regarding our service. We are currently investigating yr concerns & shall aim to provide you with our response within 20 working days from receipt of yr complaint. However, in the event we cannot respond within this time limit, we shall notify you as to when you may reasonably expect a response from us. Pls also find enclosed a leaflet, which sets out the process that we will take in order to deal with yr complaint. If you have any further queries, pls call XXXXXXX.

Filed...

[Lovemoney]

Re: Lovemoney UE Diary

LLOYDS TSB (CREDIT CARD)
HUSBANDS
26/3/2012
cca request sent.
4/4/2012
received printed CCA without signature (same CCA which Mrs received under her name previously, Niddy says unenforceable)
10/4/2012
Missing Prescribed Term sent.
7/8/2012
received letter from Lloyds...your repayments are in arrears & a payment of £2 is required. You are reminded that in order to avoid further action, payments must be made on the due date previously agreed under the instalment plan. If you are unable to make these payments, please complete & return the questionnaire overleaf within 10 days to enable us to assess yr situation. If you wish to make a payment today using either yr debit or credit card then please contact us.....
12/8/2012
Would see what they do next (Advice #382).

5/11/2012
Received letter from...
LTSB (9/11/12)...Writing to notify you that LTSB has assigned all of its respective rights, title & interest in respect of the a/c(including the outstanding balance) to Cabot Financial, effective 2/10/12. The total balance sold was £2346.20, any payments made towards yr a/c after 2/10/12 will be forwarded to Cabot Financial & will be deducted from the balance. Under the terms of this assignment, & as defined in the DPA 1998. Cabot Financial (Europe) Ltd has been appointed by Cabot Financial (UK) Ltd, to manage yr a/c in line with the arrangements agreed with BLS Collections. It is essential that all future payments & correspondence regarding this a/c now be directed to Cabot Financial (Europe) Ltd.
CABOT FINANCIAL...The Cabot Credit Management Group has recently bought the a/c you held with TSB & we're now responsible for answering yr queries & receiving payments. According to our records you currently owe £2346.20. If you wish to repay this amount in full now, pls contact usto discuss. Yr agreed monthly repayment plan with TSB 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 amount. 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. The most important thing for you to do now is to get in touch with us & one of our helpful customer advisors will discuss the option for repaying yr a/c. Our aim is to help customers get their a/cs cleared-so do contact us soon!

UPDATE...
21/11/2012
Received letter from Cabot today (22/11/12). Acknowledging your complaint...we refer to yr letter received onb 20/11/12. We regret that you have felt the need to contact Cabot to express yr dissatisfaction regarding our service. We are currently investigating yr concerns & shall aim to provide you with our response within 20 working days from receipt of yr complaint. However, in the event we cannot respond within this time limit, we shall notify you as to when you may reasonably expect a response from us. Pls also find enclosed a leaflet, which sets out the process that we will take in order to deal with yr complaint. If you have any further queries, pls call XXXXXXX.

Filed...

[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*
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.
29/10/12
Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status sent. *Refer #481
6/11/12 BALANCE £1785.45
Letter from FREDRICKSON INTERNATIONAL LTD received today (07/11/12). We thank you for yr letter 29/10/12, if you require documentation pursuant to section 77-79 of CCA 1974 you must request this edirect from our client with the statuory fee £1.00. We have placed yr a/c on hold for a period of 14 days to allow you time to make yr request after this time debt collection activity on this a/c may resume.
12/11/12
A one liner................5/3/12 sent cca request. (sent by recorded Refer #505)

UPDATE...

21/11/12
Letter from FREDRICKSON INTERNATIONAL LTD received today (23/11/12). Despit a recent letter from Bryan Carter Solicitors you have failed to discharge yr debt with our client CAPITAL ONE. We are prepared to offer you one final opportunity to pay before recommending to our client that they instruct solicitors to issue a claim at: (my address). At this late stage, & as a gesture of goodwill, we are prepared to accept a full & final settlement on this a/c provided that you contact us within 48 hrs of receipt of this letter (). Pls note that on settlement of a debtk whether fully or partially settled, the original payment history will remain on yr credit file. If there is a default registered on yr file & you pay a final settlement, the default will be amended to reflect that it has been partially settled & yr credit file will be improved. This information will remain on yr file for six yrs from the date the default was registered. Payment can be made by debit or credit card.

Shall I just ignore?