Lovemoney UE Diary

[Still Waving]

Re: Lovemoney UE Diary

UPDATE...
[SIZE=1]11/1/12
Letter received from FREDRICKSON INTERNATIONAL LTD...Thank you for yr recent correspondence the contents of which have been noted.

We confirm that Bryan Carter Solicitors LLP have clarified our position & that of our client in their previous correspondence dated 14/11/2012.

We confirm that the agreement is enforceable & we will not enter into any further discussion in relation to the enforceability of the above stated a/c.

We have placed yr a/c on hold until the 8/2/2013 to allow you time to contact us with yr proposals for payment. Pls note if we do not hear from you until this date, collection activity may resume.

Any advice will be appreciated.

Hi Lovemoney. Watching this with interest as I'm currently a step-and-a-half behind you with Cap1/Freds/BryanCarter.
atb.

[Pixie]

Re: Lovemoney UE Diary

Love your avi NDBW

I'm a few steps in front of you both...and I don't think either of you have anything to worry about

[Lovemoney]

Re: Lovemoney UE Diary

I'm currently a step-and-a-half behind you with Cap1/Freds/BryanCarter.

good to know...if anything happen will keep you informed.

[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.
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. *refer #484

13/12/12
Letter from Aktiv Kapital received today (17/12/12) 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. Should you require any additional information pls contact our Customer Service Department on XXXXXXXXXXX.

UPDATE...
12/1/13
Letter from Aktiv Kapital received (16/1/13) like to confirm to you 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. Yr a/c with us continues to remain on hold, whilst we await this information. Should you require any additional information pls contact our Customer Service Department on XXXXXXXXXXX.

Filed...

Any advice shall I carry on making £1 standing order payment.

[ScabHunter]

Re: Lovemoney UE Diary

Filed...

They're just sending out a routine letter every month.

That's quite a few of them now. Strange as they've already provided a CCA.

As you say, file it and don't rock the boat.

As far as the payment goes, I would cancel it because without doing so you've no chance of reaching the statute barring date. I know this is not an easy situation, because you are a home owner, this is a five figure alleged debt, and Niddy has said that it is a bloody good recon.

You can always reinstate it later if you feel that is the right thing to do, so I would give cancelling it a chance. Without cancelling it, you can't begin to follow a UE strategy and would be stuck with trying to negotiate F&F. With an alleged debt of this size, you'll need a substantial sum even to do that.

As ever, so much depends on your overall strategy and intention.

SH

[Lovemoney]

Re: Lovemoney UE Diary

Good Evening SH

Really appreciate your suggestion.....
The £1 payment going out 24th each month, so will try to cancel this month. Hope it not too soon.

[Lovemoney]

Re: Lovemoney UE Diary

[QUOTE=Lovemoney;167109]
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


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)
16/10/12
Letter(dated 15/10/12) from Cabot received today......(*Refer #462)
18/10/12
Bank details received. (£1 by standing order since 27/10/12)
22/10/12
Overdraft - CCA Information part 2 sent. (*Refer #463)
30/10/12
Letter from Cabot received...Repaying yr A/C tnx for yr recent payment. However, there is no agreed repayment plan currently in place. The most important thing for you to do now is to get in touch with us & one of our helpful customer adivsors will discuss the options for repaying yr a/c. If you've already agreed a repayment plan, pls ignore this letter. (Refer #502 see what they send next)
13/12/12
Received letter (dated 26/11/12) from Cabot...(#546)
2/1/13
Letter from Crapot received today (4/1/13).
Your outstanding debt
According to our records you currently owe £xxxx even though we have made repeated attempts to obtain yr commitment to repay this debt. It's now vital that you contact us urgently to discuss yr a/c.
If we don't hear from you
I you don't contact us to agree a suitable repayment plan we will have to move yr a/c to the next stage of our collections process.
Contactihng Cabot
The most important thing for you to do now is to get in touch with us urgently, to prevent further action being taken. Call XXXXXXXX & one of our helpful customer advisors will discuss the options for repaying yr a/c. Our aim is to help customer get their a/cs cleared-so contact us now.
8/1/13
Dear Sirs,
Ref: xxxxxxxx
I write with reference to your rather confusing and contradictory letter dated xx/xx/xxxx.
You have made the absurd claim that s.74A did not apply to accounts opened before that section passed into law and that the overdraft was not a regulated agreement, then you claim that the bank had complied with s.74B which means the overdraft was a regulated agreement after all.
Would you care to provide the information requested, before I consider referring this to the regulatory bodies for investigation into your conduct and misleading manner.
Yours faithfully, (Refer #569) sent by recorded.
[/QUOTE]


UPDATE...
22/1/13
Letter from Crapot received today (24/1/13). I refer to yr letter received in our office on 10/1. I note the comments in yr letter & have reviewed our previous correspondence in this matter. I appreciate there ay have been some confusion caused due to the legalities involved however it is the case that we are not required to comply with a request for information under section 77/78 of the CCA 1974 on a current a/c. As a result yr claims of unenforceability on this basis are incorrect.
Nevertheless, pls be assured we are willing to obtain further documentation for you if that is required. Therefore I have referred yr a/c to our Customer Relations Dept. to obtain any availabe information & they will contact you accordingly. In the meantime I would recommend you maintain yr payments of £1 p/m.

Shall I ignore and just wait to see what happens.

[ScabHunter]

Re: Lovemoney UE Diary

Shall I ignore and just wait to see what happens.

That is what I would do. See comments below in red.

UPDATE...
22/1/13
Letter from Crapot received today (24/1/13). I refer to yr letter received in our office on 10/1. I note the comments in yr letter & have reviewed our previous correspondence in this matter. I appreciate there ay have been some confusion caused due to the legalities involved however it is the case that we are not required to comply with a request for information under section 77/78 of the CCA 1974 on a current a/c. As a result yr claims of unenforceability on this basis are incorrect.

No, you bozos. YOU are incorrect. This request had nothing to do with sections 77 and 78, as you are perfectly well aware.

Nevertheless, pls be assured we are willing to obtain further documentation for you if that is required. Therefore I have referred yr a/c to our Customer Relations Dept. to obtain any availabe information & they will contact you accordingly. In the meantime I would recommend you maintain yr payments of £1 p/m.

And I would recommend not doing that.

SH

[Lovemoney]

Re: Lovemoney UE Diary

Nevertheless, pls be assured we are willing to obtain further documentation for you if that is required. Therefore I have referred yr a/c to our Customer Relations Dept. to obtain any availabe information & they will contact you accordingly. In the meantime I would recommend you maintain yr payments of £1 p/m.
And I would recommend not doing that.
SH

SH

Firstly Congratulations & Well Done.

Thanks for the swift reply its much appreciated.....
Would you recommend I should cancel the £1 s/o payment.

[ScabHunter]

Re: Lovemoney UE Diary

SH

Thanks for the swift reply its much appreciated.....
Would you recommend I should cancel the £1 s/o payment.

Well I would certainly do that, as I would be aiming to follow an unenforceability strategy, and you can't do that while you're making token payments. Even a £1 payment restarts the limitation clock, and makes it a full six years to the target of statute barring.

I know it is a difficult situation, because you are a home owner, but that is still what I would do. If you are following UE, you can always change, but you can't really do it the other way round because payments will have kept resetting the clock.

I would try UE first to see what happens.

SH

[Lovemoney]

Re: Lovemoney UE Diary

[ATTACH]5112[/ATTACH] (refer #310 & #392).
Allied International using various numbers to call my mobile they leave voice messages quite often & ask me call regarding urgent business quote ref...
Accidently answer once saying she not available & put the phone down. 21/8/12 they call again. I think bad time I send them Our Templates | Harassment & Intimidation Templates | Harassment by Telephone(22/8/2012 sent refer #397At last I've found this my Equifax (NOT IN EXPERIAN) printed credit report...
HISTORY
STARTED: 3/8/2004
CURRENT BALANCE: £1909
DEFAULT BALANCE: £1960.00 (16/06/2006)
DATE UPDATED: 04/03/2012
PAYMEMT HISTORY: 05/2006=1, 06/2006=D
But can't remember when I make the last payment.
21/8/2012 BALANCE £1908.56 (#413)
Lettter from AIC received today(1/9/12), we have been unable to come to an acceptable arrangement with you regarding that our Client initiate further action. This is your last chance to work together with us. It is in your best interest to come to a mutually acceptable agreement. Therefore pls telephone our office to discuss the matter further. Alternatively you can complete the enclosed financial statement and return within 7 days(letter dated 21/8 received today 1/9) of receipt of this letter together with an offer of payment. Suitable payment methods are available on the reverse of this letter. (refer#414 see what they send next).
22/8/2012 (#558)
Received letter (dated 19/12/12) from Barclaycard. Yr Barclaycard a/c has now been passed to Wescot to manage the collection of the balance outstanding on yr a/c. You should contact Wescot as a matter of urgency on XXXXXXXXXX. Pls contact Wescot, who will discuss with you proposals for repayment of the balance outstanding on yr a/c.(refer #559 ignore for now, and wait for Wescot to write to you first).

UPDATE...
29/1/2013
Letter from Wescot received today (31/1/13). Wescot is a specialist DEBT COLLECTION organisation. We have been instructed by our client to collect the outstanding balance on their behalf.
You should read both sides of this notice carefully, follow the instructions & reply IMMEDIATELY. If you have any queries or any of the information supplied is incorrect, pls contact us on XXXXXXXXX.
TO AVOID WESCOT TAKING FURTHER ACTION, YOU MUST:
1. PAY THE DEBT IN FULL TO: XXXXXXX OR 2. CONTACT US ON: XXXXXXXXXX.
PLS CONTACT US ASAP AS FAILURE TO DO SO WILL RESULT IN FURTHER RECOVERY ACTION.
If you have any reason to complain about the way Wescot has handled this matter, we can provide you with written details of our complaints procedure on request.

4/2/2013
Our Templates | Unenforceability Templates | Account Sold whilst in Dispute & CCA request sent by recorded. (refer #637 & #638)

15/2/2013
Letter from Wescot received today (20/2/13). We refer to yr recent letter requesting a copy of the credit agreement for the above a/c, pursuant to the CCA. We are not the creditor for this a/c but are instructed on behalf of the above client. In the circumstnances, we are returning yr cheque which was made payable to as this needs to be made payable to Barclaycard. You can either send yr request direct to our client or resend it to us & we will then forward it to them. In the meantime, you will need to make arrangements to pay the a/c. We shall place the a/c on hold for 28 days to enable you to agree a repayment arrangement.

[Pixie]

Re: Lovemoney UE Diary

I would send Our Templates | Unenforceability Templates | Account Sold whilst in Dispute to Westcot.

[Lovemoney]

Re: Lovemoney UE Diary

Hi Pixie

How are you?

Thanks for the swift reply....will get Templates | Unenforceability Templates | Account Sold whilst in Dispute ready. At the meantime do I need to send the CCA.

[Pixie]

Re: Lovemoney UE Diary

Hi Lovemoney

I'm fine apart from having a cold...again!

Have you not already sent for the cca?

[Lovemoney]

Re: Need Advice

TESCO (CREDIT CARD)
STARTED: 17/6/2005
CREDIT LIMIT: £1750
CURRENT BALANCE: £1703
DEFAULT BALANCE: £1771.00 (10/07/2006)
HISTORY

20/2/2012
cca request sent
26/3/2012
received cca request returned because the letter unsigned and require signature then can proceed(letter stamp received 7/3/12). Payment arrangement plan for review request proposals for increasing the mnthly repayments. CCA request resent.
4/5/2012
CCA received emailed to Niddy. Niddy says THANKS will be sending MPT letter.

UPDATE...
30/1/2013 BALANCE: £1700.16
Letter from Tesco Bank received today (1/2/13). You must pay yr credit card balance now. You have been issued with a Termination Notice on yr Tesco Bank credit card & yr a/c has been passed to our Recoveries team. To avoid any further action, pls make a payment now.
How to pay
Debit Card - call us on XXXXXXXXXXX
Cheque - send the cheque to Credit Card Recoveries.....
Need help?
If you cannot make this payment right away, you must call us immediately on XXXXXXX.

Advice needed please...