Lovemoney UE Diary

[Lovemoney]

Re: Lovemoney UE Diary

SH, Elsa & SXGuy
Really appreciate all the advice I receive....

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

I've stopped paying them from 11/1/2013. I believe they cashed £1 which I sent for CCA request. I'd be very grateful if you could advise me which parts need rewording.

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

Will do...cheers!

[ScabHunter]

Re: Lovemoney UE Diary

SH, Elsa & SXGuy
Really appreciate all the advice I receive....


I've stopped paying them from 11/1/2013. I believe they cashed £1 which I sent for CCA request. I'd be very grateful if you could advise me which parts need rewording.



Will do...cheers!

Well, if they did that, then that changes the game completely. In that case you need to submit a formal complaint regarding misappropriation of funds. In this case, it would not make a huge deal of difference to the statute barring date, but it could have implications as to the validity of the request should this proceed to litigation.

This is too important a matter to let go.

SH

[Lovemoney]

Re: Lovemoney UE Diary

EGG (CREDIT CARD)
ACCOUNT SOLD TO CAPQUEST & AKTIV KAPITAL
BALANCE: £11344.81
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.
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. (Refer #618 £1 S/O cancelled 17/1/13).

UPDATE...

5/2/13
Letter from Aktiv Kapital received today(18/2/13). We write following yr recent communication regarding the above mentioned a/c. In order to resolve this matter, we contacted the original creditor requesting documentation pertaining to the above a/c. In view of the age this a/c however, they are no longer able to supply the documents requested & we therefore request yr proposals by return.

I think will keep this letter very very safe for future reference.

[ScabHunter]

Re: Lovemoney UE Diary

UPDATE...

5/2/13
Letter from Aktiv Kapital received today(18/2/13). We write following yr recent communication regarding the above mentioned a/c. In order to resolve this matter, we contacted the original creditor requesting documentation pertaining to the above a/c. In view of the age this a/c however, they are no longer able to supply the documents requested & we therefore request yr proposals by return.

I think will keep this letter very very safe for future reference.

Err, we propose that you go away.

SH

[Lovemoney]

Re: Lovemoney UE Diary

Err, we propose that you go away.
SH

Good idea

[SXGuy]

Re: Lovemoney UE Diary

what a load of tosh, they had your proposals already, the templates say, either send me my agreement or close the account, just refer them to that lol

[The Tech Clerk]

Re: Lovemoney UE Diary

UPDATE...

5/2/13
Letter from Aktiv Kapital received today(18/2/13). We write following yr recent communication regarding the above mentioned a/c. In order to resolve this matter, we contacted the original creditor requesting documentation pertaining to the above a/c. In view of the age this a/c however, they are no longer able to supply the documents requested & we therefore request yr proposals by return.

I think will keep this letter very very safe for future reference.

Send them some Findus.

[Lovemoney]

Re: Lovemoney UE Diary

Well, if they did that, then that changes the game completely. In that case you need to submit a formal complaint regarding misappropriation of funds. In this case, it would not make a huge deal of difference to the statute barring date, but it could have implications as to the validity of the request should this proceed to litigation.

This is too important a matter to let go.SH

Other 2 accounts with them (DLC) still haven't comply with CCA request but cheques have been cashed. While I was going through my bank statement found dated 12/4/12 £1 cheque cashed. Which I requested on 26/3/12 I assume.

According SXGuy did comment DLC is vicious, they won't let up, keep the account until they get what they want to do litigate.

I was wondering what to do about it.

[SXGuy]

Re: Lovemoney UE Diary

My advice, carry on following UE with DLC until then send something, they wont litigate before they fulfill the request, if they ever do.

[MrsD]

Re: Lovemoney UE Diary

agree with SX

they are no more or less vicious than quite a few others, don't let a reputation frighten you off, that's just what they want

[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.
4/5/2012
MPT letter sent.
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.
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.
4/2/2013
Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received) sent by recorded. refer #636

UPDATE...
11/2/2013 BALANCE £3381.73
Letter from Allied International Credit (AIC) received today (16/2/13). The a/c noted above has been assigned to us from our Client, TESCO BANK with regards to the non payment of the outstanding balance. We are unaware of any reason for the non payment & we encourage you to contact our office immediately to resolve the outstanding matter in a timely manner. If you have already made payment to this a/c pls contact us with the payment details. Alternatively, if you are experiencing financial difficulaty pls call us as we are happy to discuss yr situation & how we can help resolve.

Shall I send Our Templates | Unenforceability Templates | Account Sold whilst in Dispute or send something else?

[ScabHunter]

Re: Lovemoney UE Diary

Yes, that is the right one to send.

Well done!

SH

[Lovemoney]

Re: Lovemoney UE Diary

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)
9/7/12
Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation 13/7/12 sent by recorded.
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)
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.
26/11/12
Letter sent by recorded. *Refer #525
5/12/12
Received letter (dated 3/12/12) from FREDRICKSON. We have recently been in contact with you regarding an outstanding debt due to our client. You informed us that you believe that the information in respect of this debt is incorrect. We have provided details of yr dispute to our client & have now received a response from them which indicates that the debt details are correct. We would very much like to discuss this matter with you further. Pls can you telephone us, within the next 7 days, on XXXXXXXXXXXX..

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)
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.
23/11/12
Unenforceability Templates | Repeated Threat by Creditor - Enough is Enough Response sent by recorded (26/11/12). *Refer #514
5/12/12
Received letter (dated 3/12/12) from FREDRICKSON. We 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. In the meantime, we confirm that we have placed the a/c on hold. *Refer #539 SEE WHAT THEY DO NEXT
3/1/13
Letter from FREDRICKSON rerceived today (5/1/13). Despite a recent letter from Bryan Carter Solicitors you have failed to discharge yr debt with our client Capital 1. 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 XXXXXXX. At this stage4, and as a gesture of goodwill, we are prepared to accept a full & final settlement on this a/c provided that you contact us on XXXXXXX within 48hrs 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 cam be made by debit or credit card.
8/1/13
Short letter (refer #582) attached with a copy of the "Enough is Enough" response which was sent to Carter, sent by recorded.
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.

UPDATE...
Just had letters from CAPITAL ONE for mine & hubby's account above...
16/2/13
Received letter (dated 7/2/13) from CAPITAL ONE.
PLEASE BE AWARE: Yr a/c has moved I am writing to advise you that yr a/c is no longer being managed by the Debt Collection Agency who were acting on behalf of CAPITAL ONE.
Please work with us to reduce yr debt It is important that you continue to make payments to yr a/c. Payments should be made directly to CAPITAL ONE unless otherwise notified. Pls see attached for payment method.
Already settled? Pls disregard this letter if you have agreed a settlement figure with the Debt Collection Agency & have made that payment.
Have questions or need help? If you have any questions, pls call us on XXXXXXXX. We are here xxx-xxx.
With a third party debt management company? If yr a/c is being managed by an authorised third party (eg, relative, Debt Management Co) pls ensure that you update them with this information & show them this letter asap so that payments are not delayed in reaching yr a/c.

Shall I ignore for now and just to see what they send next.

Apologies for the long post .

[MrsD]

Re: Lovemoney UE Diary

that's what I would do

[ScabHunter]

Re: Lovemoney UE Diary

This represents a significant achievement for the AAD process. The template letters have all been used at the appropriate time, a threat of court from an extremely vile solicitor (Bryan “Brain Farter” Carter) was seen off with a bespoke letter using Paul's outline, and now the thugs have given up.

You've still got to deal with Crappy One, who are just like a broken record in the way that they insist that lies are truths, but take heart from the fact that this achievement greatly increases your chances of successfully negotiating this situation.

SH

PS Agree with Mrs D - ignore for now.