Lovemoney UE Diary

[Undercover Elsa]

Re: Lovemoney UE Diary

When did you last make a payment on the Tesco card, Lovemoney?

[Lovemoney]

Re: Lovemoney UE Diary

Hi Elsa

Thanks for replying...

Last payment made on 30/4/2012.

[Undercover Elsa]

Re: Lovemoney UE Diary

Ahh ok. They are totally ignoring the content of your letters aren't they?
I would be tempted to resend the final response letter with a cover note saying I am concerned that you are threatening legal action when you have failed to reply re problems with the agreement you supplied, outlined in my letter of xxxx, a copy of which is enclosed. Rather than sending standard threats please respond specifically to these issues at your earliest convenience.

[Lovemoney]

Re: Lovemoney UE Diary

I'll get onto it straight away , and let you know the outcome .


PS opps....just noticed templates page downtime! Will do it later.

[Lovemoney]

Re: Need Advice

CO-OP BANK
Date commenced: 23/12/1997
DEFAULT BALANCE: £835
DEFAULT ON: 20/12/2006
ACCOUNT SOLD TO DCA: (ROBINSON, WAY & CO)
PAYMENT STATUS: AGREED £1 TOKEN PAYMENT SET UP STANDING ORDER 28/7/08 EACH MONTH
HISTORY
9/7/09
cca request sent
26/7/09
letter received saying that they ask original lender for a copy of te agreement my a/c has been placed on a temporary delay pending receipt of this documentation and will contact me again in due course.
23/9/09
replied with blur vision agreement (certain details hardly to read) from???
1/10/09
replied saying that i agreed to the term & condition of my loan when I signed the application form. This is all they are required to provide
16/11/09
received statement 19/12/08-14/9/09. Failing to make minimum payment can mean broken the term of this credit agreement could result taking legal action.
1/10/11
received a copy original agreement from eqidebt ltd(solicitor/dca???). apologise for the delay in providing this and ask to make a reasonable repayment without further delay???
21/11/11
following national debt helpline give them a call told them original arrangment was set up with robinson & way, and gave fos made complaint about the delayed.
24/11/11
apologise for the unforeseen delay due to high volumes of documentation requests and continued commitment to repaying the outstanding balance.
21/3/12
Niddy says
26/3/12
Missing Prescribed Term sent.
5/4/12
received response from Robinson Way saying satissfied the documentation provided is sufficient to demonstrate liability and will not enter into repetitive correspondence. Data will continue to be procedssed in lin with the principles of Data Protection Act 1998 and will continue to be reported to credit reference agencies, where appropriate. If neglect to make payment further action may be taken against, require payment proposals within 14 days.# IGNORE & NO PAYMENT #
18/5/12
received APPOINTMENT FOR HOME VISIT letter from Robberson saying your debt is still unpaid in spite of previous letters, and calls. We may now arrange for a local collector to call at yr address to agree an affordable payment plan with you. YOUR A/C MAY BE SENT TO OUR LOCAL COLLECTOR IN THE NEXT 10 DAYS. Call us if you would prefer to agree an affordable payment plan with this office, or if you want to agree an appointment for our collector to visit. If you prefer not to talk to us at all, you can deal with this online...
21/5/12
Send them this-----> Harassment & Threat of Doorstep-Visit
18/6/12
received APPOINTMENT FOR HOME VISIT letter from Robberson saying your debt is still unpaid in spite of previous letters, and calls. We may now arrange for a local collector to call at yr address to agree an affordable payment plan with you.YOUR A/C MAY BE SENT TO OUR LOCAL COLLECTOR IN THE NEXT 10 DAYS. Call us if you would prefer to agree an affordable payment plan with this office, or if you want to agree an appointment for our collector to visit. If you prefer not to talk to us at all, you can deal with this online.
11/7/12
received NOTICE OF HOME VISIT, unpaid a/c has been sent to be dealt with by this office. In 10 days time I may ask one of our collectors to visit you at your home to agree an affordable payment plan. You can avoid our collector calling by: Making payment to this office within 10 days. You can make an appointment for our collector to call by our staff are waiting for your call.
15/7/12
Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit sent.
27/7/12
received letter from Robinson Way refer to yr recent request not to be contacted by telephone in respect. We can confirm that yr telephone no has been removed from yr a/c in our file. You remain fully liable for payment of the balance owing & any further action may still be taken to recover the sum due. If you have not provided us with yr repayment proposals, please contact us within the next 14 days.
13/8/12
received letter from Robinson Way instructed by our Client to obtain payment of yr a/c. Until it is paid yr a/c will not be closed may stay registered as an unpaid debt in yr name could adversely affect yr credit record. We urge you to deal with this a/c & clear this up once & for all call us & can agree either
1. A reduced balance you can pay to settle this a/c.
2. A payment plan you can afford & will keep up.
We need you to contact us so we can help you with this a/c. Our staff are waiting to take your call either pay with debit or credit card. If you prefer you can deal with this online or email us.

UPDATE...
5/3/13
Letter from EQUIDEBT received today (7/3/13). Get yr a/c back on track We have made repeated requests for you to get in touch. You have made payments or previously agreed a repayment plan with us but at this time yr a/c is still unpaid & we have no formal agreement in place to repay the remainder of the balance. We request that you make contact with us immediately to discuss yr repayment options. If you were unable to afford the previous arrangement then our advisors will gladly discuss yr financial circumstances & agree a rate of repayment that is affordable to you. Set up a Direct Debit We prefer to set all arrangements by D/D, this way it ensures payments are made free of charge to you, on time & automatically so you can never forget. We can set this up over the phone with you just have yr bank details to hand. Yr actions previously demonstrated a willingness to pay & that you are not in dispute of the balance due. Without an agreed repayment plan in place we will continue with our recoveries process & this may ultimately lead to either: *A field agent coming to yr home address to discuss yr a/c. *Legal action. Call us now & get yr a/c back on track & prevent any further collections activity.

Shall I just wait to see what happens

[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.
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. refer#621-#623
1/2/13
Letter from Crapot received. LIMITED OFFER Repaying yr a/c - our offer to you If you respond within the next 30 days from the date of this letterk we are able to offer you a discount of up to 30%* to settle yr a/c. If you'd like to take advantage of this offer, pls contact us immediately. Alternatively, we may be able to offer you an attractive repayment plan which will enable you to repay yr outstanding balance within 5 yrs. Get in touch immediately.[/QUOTE]

UPDATE...
5/3/13
Letter from CABOT received today (7/3/13). Further to our previous correspondence. We have obtained a copy of the statements of a/c & have enclosed these for yr attention. Once you have reviewed this document we request you contact us within 28 days to discuss yr query further. We look forward to hearing from you. We have placed the a/c on hold for a period of 30 days. Howeverm should we fail to hear from you this may result in the a/c being returned to our Collections Department. refer #680 see what they send next.

Please advise what to do next

[Deepie]

Re: Lovemoney UE Diary

Posts 678/679

If it were me, I would just see what they send next.......

[Lovemoney]

Re: Lovemoney UE Diary

Posts 678/679
If it were me, I would just see what they send next.......

Really appreciate your suggestion...., sounds fine to me .

[Lovemoney]

Re: Lovemoney UE Diary

EGG BANKING PLC- (CREDIT CARD)
Date commenced: 5/5/2000
ACCOUNT SOLD TO DCA (CAPQUEST)
HISTORY
17/8/07
received standind order set up details agreed £1 token payment stated the sum of £1 on 5/9/07 same day each month until 5/3/49 when a payment of 0.56 is made. 18/8/07 signed & returned, standing order already set up.
29/3/09
received a threat letter.
14/4/09
received more threat letter saying not heard from me in previos letter dated 28/3/09 need start the litigation process to resolve the matter
1/9/09
received standing order set up details agreed £1 token payment stated the sum of £1 on 5/9/09 same day each month until 27/11/17 when a payment of 0.00 is made. had signed and returned 2/9/07, standing order already set up.
9/9/09
sent cca request
19/9/09
received a reply put my a/c on hold for 28 days for obtains cca. finally received signed agreement (but no sure how to tell the right details ).
3/10/09
Letter from Capquest. Pls find enclosed copy document(s) as requested. If you are not currently repaying this a/c on an agreed arrangement, it is now imperative that you deal with this matter immediately by sending yr payment directly to xxxxxxx(with bank details). We have placed yr a/c on hold until 12/10/09, if we do not receive contact from you by this date, yr a/c will be passed to our Collection department for further action.Emailed Niddy
19/3/10
Letter from Capquest (Litigation Department) case handling supervisor. Yr case will be processed & passed to our solicitors on or around 1/4/10, a process that you can stop by tel xxxxxxx to discuss yr a/c, & reaching an amicable solution. I will not be demanding payment in full. I will be open to suggestions from you on how this a/c can be settled. If you contact us before 1/4/10, I can offer £1641.18 to clear this a/c. you can pay this over a six mnth period. I trust that you will recognise that my appointment is an indication of the imminent commencement of legal proceedings. I trust that you can take this opportunity to contact us & save yrself the possible expense of litigation & the problems that any litigation in which we were successful would possibly cause to yr credit file.
2/4/10
send in proposal, hardship difficulties & budget sheet.
12/4/10
received notice of doorstep recovery agents Scotcall Ltd from HL Legal Solicitors due to non payment.
15/4/10
send a complaint regarding their harassment by telephone & doorstep call (it's been set up £1 payment on 26th of each month).
24/4/10
received standing order set up details agreed £1 token payment stated the sum of £1 on 14/5/10 same day each month until 14/11/51 when a payment of 0.56 is made.
18/3/12
Emailed Niddy CCA .....Niddy Confirmed
we need to blag as that does look good but we'll pretend otherwise, if they get 'heavy' let us know asap.....
.....send them Missing PT (last £1 payment was on 12/3/12)26/3/12
Missing Prescribed Term sent.
4/4/12
received letter from CapQuest saying unable to comment on the dispute and at them time the a/c was passed to them were unaware of any existing query. Therefore we are "CLOSING THE ACCOUNT ON OUR SYSTEM". Than you for taking the time in trying to resolve this matter. # NO PAYMENT #

BARCLAYCARD
(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).

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.
6/3/2013
Our Templates | Unenforceability Templates | Account Sold whilst in Dispute sent by recorded. (refer #669 &#671)

UPDATE...
15/3/2013
Letter from Wescot received today (19/3/2013). We acknowledge that you have raised a query on this a/c & we would like to confirm to you how this will be investigated. WHAT WILL HAPPEN? We will suspend all collections activity on the above a/c whilst the matter is under investigation. This means that we will not write to you, or telephone ou in pursuit of the a/c whilst it is being investigated. However, we may need to contact you if we require further details or wish to clarify any information that you have provided to us. As our investigation of yr query will require us to contact our client, this process may be take several wks. We would appreciate yr patient during this time. Upon concluding our investigation, we will contact you again. WHAT CAN YOU DO? If further information to help us investigate or resolve the query can be provided, we would be grateful. If you wish to contact us to discuss the matter.

Just filed for now & see what they send next

[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).

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.
__________________________________________________ __________________________________________
UPDATE...

8/3/13
Letter from Aktiv Kapital received...refer to previous communications. We would 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.

filed...

[SA Gold]

Re: Lovemoney UE Diary

let it be on hold for eternity!

[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.
4/5/2012
MPT letter sent.
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.
4/2/2013
Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received) sent by recorded.
18/2/2013
Letter from Tesco Bank received today (21/2/13). You still haven't paid yr credit card balance, But it's not too late. We recently wrote to you, remninding you to repay the amount due on yr a/c. However, you still haven't made a payment or agreed a repayment plan. What hapens now? As you have not made any payments, we will consinder taking further action. This could mean passing yr a/c to an external Debt Collection Agency, who will contact you & may visit yr home to collect the debt in person. Depending onb the amnount you owe, it could also include legal action against you to get the money back. However, we would much rather agree a more satisfactory arrangement with you. Pls call us. What you need to do It's vital that you take immediated action to pay the amount owed to avoid further action. You can make yr payment by: XXXXXXXXXXXXXXXX. We prefer not to take this action, but if we do not hear from you we have no alternative. Pls contact us immediately on xxxxxxx to discuss repayment of yr debt. (refer #664 see what they do next)
28/2/2013
Letter from Tesco Bank received today (4/3/13). We are considering legal action to recover your debt Despite writing to you several times, you have still not paid off yr credit card balance or made a repayment arrangement with us. We are now considering commencing court proceedings against you to recover this debt. What this could mean A County Court Judgment could be granted against you. This is likely to affect your ability to obtain credit in the future. You may also be liable for court costs. If we obtain a judgement & you still don't pay we may ask the court to enforce the debt against you. This could mean: *A legal document being served on yr employer which forces them to regularly take an amount of money from yr wage to pay yr outstanding debt to us (this depends on the number of hrs you work) *If you are a homeowner, we may ask the court for a charging order over yr home. If we have a charging order & yr home is sold (through repossession or for any other reason), we may look to any available sale proceeds to help pay the sums you owe to us. We would prefer come to an arrangement with you to settle this debt. Pls call ua immediately on XXXXXXXXX to discuss a repayment plan. Line are open XXXXXXXXX. refer #676
6/3/2013
Resend a photocopy Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received) with a cover note saying I am concerned that you are threatening legal action when you have failed to reply re problems with the agreement you supplied, outlined in my letter of 4/2/2013, a copy of which is enclosed. By recorded.

UPDATE...
19/3/2013
Letterfrom Tesco Bank received today (22/3/13) Further action to recover yr debt Due to the absence of an acceptable repayment arrangement & despite several attempts to contact you to discuss this matter, we will shortly commence further action against you to recover the debt. This is likely to mean passing yr a/c to an external Debt Collection Agency, who will contact you & may visit yr home to collect the debt in person. Depending on the amount you owe, it could also include legal action against you to get the money back. However, we would much rather agree a more satisfactory arrangement with you. Pls call us urgently. Act immediately & stop further action - make a payment now You have 1 final opportunity to make a payment. Pls act now. You can pay by: XXXXXXXXXX. What happens if you don't pay If you don't make a payment or agree to a repayment plan within 7 days, we will commence further action against you. Need help? If you need to discuss yr situation, pls call us XXXXXXXXXXX.

Similar threat letter received on 18/2/2013. Should I just wait to see what they do next. Any suggestions please

[Pixie]

Re: Lovemoney UE Diary

Yes LM, I would just wait and let them pass it on to a dca.

Let us know when you hear from the dca.

[Lovemoney]

Re: Lovemoney UE Diary

Hi Pixie

Hope you are keeping well...

Will do as suggested.....

[Lovemoney]

Re: Need Advice

CO-OP BANK
Date commenced: 23/12/1997
DEFAULT BALANCE: £835
DEFAULT ON: 20/12/2006
ACCOUNT SOLD TO DCA: (ROBINSON, WAY & CO)
PAYMENT STATUS: AGREED £1 TOKEN PAYMENT SET UP STANDING ORDER 28/7/08 EACH MONTH
HISTORY
9/7/09
cca request sent
26/7/09
letter received saying that they ask original lender for a copy of te agreement my a/c has been placed on a temporary delay pending receipt of this documentation and will contact me again in due course.
23/9/09
replied with blur vision agreement (certain details hardly to read) from???
1/10/09
replied saying that i agreed to the term & condition of my loan when I signed the application form. This is all they are required to provide
16/11/09
received statement 19/12/08-14/9/09. Failing to make minimum payment can mean broken the term of this credit agreement could result taking legal action.
1/10/11
received a copy original agreement from eqidebt ltd(solicitor/dca???). apologise for the delay in providing this and ask to make a reasonable repayment without further delay???
21/11/11
following national debt helpline give them a call told them original arrangment was set up with robinson & way, and gave fos made complaint about the delayed.
24/11/11
apologise for the unforeseen delay due to high volumes of documentation requests and continued commitment to repaying the outstanding balance.
21/3/12
Niddy says
26/3/12
Missing Prescribed Term sent.
5/4/12
received response from Robinson Way saying satissfied the documentation provided is sufficient to demonstrate liability and will not enter into repetitive correspondence. Data will continue to be procedssed in lin with the principles of Data Protection Act 1998 and will continue to be reported to credit reference agencies, where appropriate. If neglect to make payment further action may be taken against, require payment proposals within 14 days.# IGNORE & NO PAYMENT #
18/5/12
received APPOINTMENT FOR HOME VISIT letter from Robberson saying your debt is still unpaid in spite of previous letters, and calls. We may now arrange for a local collector to call at yr address to agree an affordable payment plan with you.YOUR A/C MAY BE SENT TO OUR LOCAL COLLECTOR IN THE NEXT 10 DAYS.Call us if you would prefer to agree an affordable payment plan with this office, or if you want to agree an appointment for our collector to visit. If you prefer not to talk to us at all, you can deal with this online...
21/5/12
Send them this-----> Harassment & Threat of Doorstep-Visit
18/6/12
received APPOINTMENT FOR HOME VISIT letter from Robberson saying your debt is still unpaid in spite of previous letters, and calls. We may now arrange for a local collector to call at yr address to agree an affordable payment plan with you.YOUR A/C MAY BE SENT TO OUR LOCAL COLLECTOR IN THE NEXT 10 DAYS.Call us if you would prefer to agree an affordable payment plan with this office, or if you want to agree an appointment for our collector to visit. If you prefer not to talk to us at all, you can deal with this online.
11/7/12
received NOTICE OF HOME VISIT, unpaid a/c has been sent to be dealt with by this office. In 10 days time I may ask one of our collectors to visit you at your home to agree an affordable payment plan. You can avoid our collector calling by: Making payment to this office within 10 days. You can make an appointment for our collector to call by our staff are waiting for your call.
15/7/12
Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit sent.
27/7/12
received letter from Robinson Way refer to yr recent request not to be contacted by telephone in respect. We can confirm that yr telephone no has been removed from yr a/c in our file. You remain fully liable for payment of the balance owing & any further action may still be taken to recover the sum due. If you have not provided us with yr repayment proposals, please contact us within the next 14 days.
13/8/12
received letter from Robinson Way instructed by our Client to obtain payment of yr a/c. Until it is paid yr a/c will not be closed may stay registered as an unpaid debt in yr name could adversely affect yr credit record. We urge you to deal with this a/c & clear this up once & for all call us & can agree either
1. A reduced balance you can pay to settle this a/c.
2. A payment plan you can afford & will keep up.
We need you to contact us so we can help you with this a/c. Our staff are waiting to take your call either pay with debit or credit card. If you prefer you can deal with this online or email us.
5/3/13
Letter from EQUIDEBT received today (7/3/13). Get yr a/c back on track We have made repeated requests for you to get in touch. You have made payments or previously agreed a repayment plan with us but at this time yr a/c is still unpaid & we have no formal agreement in place to repay the remainder of the balance. We request that you make contact with us immediately to discuss yr repayment options. If you were unable to afford the previous arrangement then our advisors will gladly discuss yr financial circumstances & agree a rate of repayment that is affordable to you. Set up a Direct Debit We prefer to set all arrangements by D/D, this way it ensures payments are made free of charge to you, on time & automatically so you can never forget. We can set this up over the phone with you just have yr bank details to hand. Yr actions previously demonstrated a willingness to pay & that you are not in dispute of the balance due. Without an agreed repayment plan in place we will continue with our recoveries process & this may ultimately lead to either: *A field agent coming to yr home address to discuss yr a/c. *Legal action. Call us now & get yr a/c back on track & prevent any further collections activity. refer #680 just see what they send next

UPDATE...
25/3/13
Letter from EQUIDEBT received today (28/3/13). Notice of Recovery Action You have failed to respond to our previous request to make contact to discuss a new repayment arrangement. As we previously stated we are now commencing recovery action & unless we hear from you within the next 10 days we will be passing yr a/c to Credit Ancillary Service(CAS) who specialise in assessing unpaid a/c holders to determine what recovery action will take place. It's not too late We believe you are not in dispute of the balance & that there is no valid reason for the non-payment of this debt. However we also believe that if we speak with you we can come to a solution that is affordable to you & will prevent any additional recovery actions taking place. If we don't hear from you Unfortunately if we don't hear from you we will assume that you are refusing to pay & that we will have no choice but to pursue you for the balance through the various means available to us. You have had the benefit of credit & not repaid it. We are giving you every opportunity to come to an affordable agreement.

Any advice would be very grateful