Lovemoney UE Diary

[Pixie]

Re: Lovemoney UE Diary

I would be sending Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received) to Tesco.

[Lovemoney]

Re: Lovemoney UE Diary

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

Have you not already sent for the cca?
not yet, no correspondence since 3/7/2012.

[Lovemoney]

Re: Lovemoney UE Diary

TESCO (CREDIT CARD)
DEFAULTED
HUSBANDS
HISTORY
26/3/2012
CCA request sent.
2/5/2012
received response obliged to provide you with a 'true' copy of the CCA & most recent available statement to the a/c with amounts and due dates of future payments that still require to be made. In terms of CCA copy doc regulations, the 'true' copy requirement can be satisfied by providing a copy agreement at the date the card agreeement was made and plus a copy of the current terms of the card agreement. Records show that there is still an outstanding balance on the a/c is currently being managed by Financial Hardships Team, therefore contact them directly to obtain details of the required repayments to settle the a/c. I can confirm that yr a/c has not been sold. Emailed Niddy.
4/5/2012
Niddy says THANKS will be sending MPT letter.
1/6/2012
received response from Tesco Data Protection Act 1998. We enclose copy information held by Tesco Bank is provided under the term of the above Act and was located using the information contained within your request. Emailed Niddy.

UPDATE...
29/1/2013
Letter from Tesco Banks received today (1/2/13). Important-you must take action-call us today on XXXXXXX Despite previous correspondence & our repeated attempts to try & reach an arrangement with you regarding the above debt, it still remains outstanding. We will shortly have no alternative but to seek the assistance of a Debt Collection Agency or, if appropriate, commence legal proceedings against you for recovery of the debt.
What you need to do You have one final opportunity to make an acceptable offer of repayment. You must do this within the next 7 days.
Are you in financial difficulties? Contact us immediately if, due to financial difficulties or a change in circumstances, you can't pay the full debt within the next 7 days. There is no need to panic. Call XXXXXXXXXX to speak to one of our experienced advisors. They will listen sympathetically & help you think about yr options. We have helped losts of people in yr situation in the past.

[Pixie]

Re: Lovemoney UE Diary

I would send Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received) and when they pass it on to a dca and they get in touch send Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

[ScabHunter]

Re: Lovemoney UE Diary

Did you already send the missing prescribed terms letter for this one?

If so, I think a simple one-liner referring them to it would be the best idea.

SH

[Pixie]

Re: Lovemoney UE Diary

I thought this was the sort of situation that the Final response templates were written for

I know that's the letter that I've sent (on Niddy's advice) in the same sort of situation after sending MPT template.

[Lovemoney]

Re: Lovemoney UE Diary

Did you already send the missing prescribed terms letter for this one?

Hi SH

Thanks....Both Tesco accounts already sent MPT on 4/5/2012.

[Lovemoney]

Re: Lovemoney UE Diary

SH & Pixie

Thanks for all your .
on #631 & #628 (mine & hubby's tesco account) would you recommend to send Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received).

on #624 Wescot (Barclaycard) send Our Templates | Unenforceability Templates | Account Sold whilst in Dispute. Do I need to send CCA request?

[Deepie]

Re: Lovemoney UE Diary

SH & Pixie

Thanks for all your .
on #631 & #628 (mine & hubby's tesco account) would you recommend to send Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received).



on #624 Wescot (Barclaycard) send Our Templates | Unenforceability Templates | Account Sold whilst in Dispute. Do I need to send CCA request?

631/628..........That's what I would do.....


624............Yes I would send that.....

[Never-In-Doubt]

Re: Lovemoney UE Diary

on #631 & #628 (mine & hubby's tesco account) would you recommend to send Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received).

Yes

on #624 Wescot (Barclaycard) send Our Templates | Unenforceability Templates | Account Sold whilst in Dispute. Do I need to send CCA request?

Yes

[Lovemoney]

Re: Lovemoney UE Diary

Cheers!

I'll get the letters prepared and in the post and will update any developments.

[Lovemoney]

Re: Lovemoney UE Diary

LLOYDS TSB (CREDIT CARD)
HUSBANDS
17/12/2007 BALANCE: £427.77
reminder in arrears £1 payment required agreed under the instalment plan.
22/1/2008
received threat letter from Credit Security Ltd(debt enforcement office) demand full payment immediately failure will result dc calling or ccj.
5/2/2008
received threat letter from Credit Security Ltd documents for legal action now being prepared blah blah...
30/8/2009
received letter from Robinson Way & Co for formal demand payment more threat.
9/9/2009
cca request sent.
16/9/2009
replied saying request for a copy of cca be directed to them (lloyds tsb) a/c has been placed on a temporary delay until receive cca by lloyds tsb.
25/11/2009
received letter saying in view of my recent query & comment, we have today removed your a/c from our files, & returned my case to lloyds tsb who will deal directly with me in the future. lloyds tsb has been made aware of the reason why a/c is being closed & returned.
8/7/2011
received letter from tsb & dlc have assigned all tittle and interest including the outstanding bal to Hillesden Securities Ltd. Under the term assigment, as defined Data Protection Act 1998. DLC has been appointed by Hillesden to manage my a/c and future payments and correspondence.
22/7/2011
received letter from dlc telephone to discuss for payment options(f&f settlement or monthly paments).
27/7/11
send in proposal, hardship difficulties & budget sheet.
8/8/11
received Notice of Debt Recovery from dlc.
6/9/11
received letter from Alplin(Solicitor) instructed by??? to recover the outstanding balance in full or reach agreement within 7days legal proceedings.
8/9/11
received bank details from dlc to set up standing order.
7/11/11 balance: £417.77
received Notice of Sums in Arrears.
6/1/12
received annual statement of a/c £415.77 from dlc.
26/3/12
cca request sent DLC (latest dca).
18/4/12
received reply (but letter dated 2/4/12) saying still awaiting from original lender (Lloyds) when these become available will be forwarded to me. If unable to forward original agreement will be able to supply a true copy which comply with section 77-79 of the Consumer Credit Act 1974 rulling in the case of McGuffick V RBS judgement dated 6/10/09 in relation to "what is considered enforcement", the judgement stated that the bringing of proceedings is not enforcement. It follows that demanding payment is step taken prior to the commencement of proceedings & therefore not considered enforcement. We will continue to report the account status to the CRA as this is also not considered as enforcement. Whilst may not be able to enforce the agreement until the documentation is provided, the monies remain outstanding and ther underlying obligation to repay remains intact. In view the above judgement a/c remain with collection department for collections activity to continue. will update on developments in 21 days if there are no developments beforehand. Refer #138 just keep a hold of that letter & wait & see what happens next
10/1/13
Received annual statement of a/c £403.77 from dlc.

UPDATE...
1/2/13
Letter from DLC received today (6/2/13). ARREARS NOTIFICATION...you have not kept to the arrangement that we agreed for repaying yr debt, and are now in arrears of £403.77. Pls settle yr arrears without delay, to avoid possible legal action. If for any reason you are unable to make payment, or would like to re-negotiate the payment plan, pls telephone us to discuss the matter. We want to reassure you that we're fully aware of the financial difficulties that you may be facing during this difficult period. and have embraced a policy of fair & realistic treatment for all for our customer.

Any thoughts...

[ScabHunter]

Re: Lovemoney UE Diary

Any thoughts...

You could send this -

Our Templates | Unenforceability Templates | CCA Reminder - Unenforceability Threat

It will need rewording if you have already stopped paying them, which I sincerely hope you have.

SH

[Undercover Elsa]

Re: Lovemoney UE Diary

Be sure to refer them to the account on hold letter you got too

[SXGuy]

Re: Lovemoney UE Diary

i would ignore it myself, so up to you, ive had about 4 of these from DLC, they take around 2-3 weeks to reply to letters so may have crossed in post.

However that being said, i did have to send them 3 CCA reminders before i even got a response to the first one.