Lovemoney UE Diary

[Miss Muddled]

Re: Lovemoney UE Diary

Edit - miss Muddled was the user

See letter here - you WILL need to edit it so its not identical and so it suits your situation as well. Pay attention to the Points I raise about legalities of the business!!

It starts here --> Miss Muddle's UE Diary - Page 8 - allaboutFORUMS

Then leads to this + another later on

Miss Muddle's UE Diary - Page 9 - allaboutFORUMS

I would play games and send DLC the first template above. Just edit it to suit your needs. When they reply, respond with the other templates as linked above (edited to suit) before finally showing the dreaded killer letter

It's called playing with the idiots

Hi Lovemoney

Second letter Page 9 has just gone off to dlc so still awaiting their reaction.

Niddy does have a wonderful way with words, never in a million years would we have been able to comply such a letters to send to these scumbags.

Will follow your thread to see if we get same response

[Lovemoney]

Re: Lovemoney UE Diary

Thanks all your suggestions and advice, much appreciated.

Especially many thanks Niddy and the linky…I'll get this Miss Muddle's UE Diary - Page 8 - allaboutFORUMS template prepare and send it off asap, will keep you updated.

Muddled, how lucky we are, without all the fantastic mods and genius Niddy AAD forum helping us can't imagine how would ours life turn out. Anyway good to know.....will let you know of any further developments.

[Lovemoney]

Re: Lovemoney UE Diary

LLOYDS TSB (CREDIT CARD)
HUSBANDS
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.
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.
27/2/13
Letter from DLC We are following up yr request for a copy of the original documentation (CCA) with the original lender. When this becomes available we will forward a copy to you. Should you require anything further at this point pls contact me. I will update you on developments in 21 days if there are no developments beforehand.
1/2/13
Letter from DLC We have chosen to send you this letter as someone who may be struggling to manage yr credit commitment. One of the impacts of the "credit crunch" has been an individual's ability to obtain credit, particularly mortgages, with lenders scrutinising applicants' credit history & payment records much closer. In the future, credit is only likely to be available to individuals with good credit history or those that can display positive efforts to pay off their defaulted a/c. Therefore we can offer you a choice of two options to improve yr situation: £10 per mnth by d/debit OR If you pay 75% of the balance within 21 days, we will write off the remaining balance or alternatively contact us on XXXXXXXX to discuss other repayment options. Our re-payment plans are subject to regular review. If you would like to discuss what other opportunities are available to you to settle the outstanding balance pls call or email us.
10/4/13
Letter from DLC received (4/5/13). We are following up yr request for a copy of the original documentation (CCA) with the original lender. When this becomes available we will forward a copy to you. Should you require anything further at this point pls contact me. I will update you on developments in 21 days if there are no developments beforehand.
12/4/13
Letter from DLC We have managing yr a/c since xx/x/xx. You have been making regular payments, but yr balance is still outstanding. To assist you in clearing the remaining balance in the shortest possible time, we would ask that you contact one of our telephone negotiators to discuss a revised payment plan. We maybe able to offer a discount for early settlement, allowing an early update of any entries registered by DLC with the CRA, Upon payment of any settlement balance the entries will be updated as 'partially settled' this would have a positive impact on this particular entry registered on yr credit file. Your current repayment plan has reached the end of its term & it is therefore important that you respond to this letter. Failure to do so could result in the withdrawal of instalments rights on this a/c.
1/5/13
Letter from DLC received (4/5/13). We are following up yr request for a copy of the original documentation (CCA) with the original lender. When this becomes available we will forward a copy to you. Should you require anything further at this point pls contact me. I will update you on developments in 21 days if there are no developments beforehand. refer #723 ignore
22/5/13
Letter from DLC received. We are following up yr request for a copy of the original documentation (CCA) with the original lender. When this becomes available we will forward a copy to you. Should you require anything further at this point pls contact me. I will update you on developments in 21 days if there are no developments beforehand.
30/5/13 BALANCE: £403.77
Letter from MDB LTD (MERCANTILE DATA BUREAU) received (4/5/13). I have been instructed by DLC an associated company of MDB Ltd, to contact you about the unpaid debt. Yr a/c has been transferred to me due to yr continued failure to discharge yr current liability. All future contact relating to yr a/c should now be with me. I would like to give you the opportunity to discuss yr a/c with me before we undertake any action with yr a/c. I will take into consideration yr current financial circumstances & outline the many options available to help resolve this matter. I urge you to contact me today to conclude this matter as quickly as possible.
5/6/13
Account Sold whilst in Dispute sent (MBD) by recorded.
11/6/13
Letter from DLC received. We are following up yr request for a copy of the original documentation (CCA) with the original lender. When this becomes available we will forward a copy to you. Should you require anything further at this point pls contact me. I will update you on developments in 21 days if there are no developments beforehand.
18/6/13
Letter from DLC received (21/6/13). Thank you for yr letter dated 5/6 regarding the above a/c, which has been referred to me by our appointed agent MDB. Hillesden as DLC acquired the above a/c from Lloyds on 28/1/11. We recently appointed our agent MDB to collect the a/c balance on behalf. We received yr CCA request in our office on 30/3/12 & a letter was sent to you at that time to acknowledge receipt of yr request. We referred to Lloyds for a copy of the a/c documentation & still await receipt of this. Pls note that the purpose of a CCA request is to provide information about the a/c to the customer & is not to prove a properly executed agreement exist or to be used as tool to withhold payment. Pls find enclosed a copy of the statement of a/c from our systems showing payment we have received on the a/c up to 28/12/12. Due to this, we assume yr liability ion this matter is not in question. we deny that any harassment has taken place within the meaning of section 1 of the Protection from Harassment Act 1997 or under section 40 of the Administration of Justice Act 1970. It is entirely reasonable for us, as the creditor, to communicate directly with the customer in relation to the repayment of an agreement entered into, especially where the customer is not legally represented. Of course, where a customer is legally represented we do communicate with the solicitors directly. Whilst we may not be able to enforce the agreement at this time, the monies remain outstanding. The agreement or any monies pd has not been made illegal or void because of our current failure to supply a copy of the original agreement. We are prevented from taking steps to enforce the credit agreement but the underlying obligation to repay, remains intact. Pls contact our appointed agent to arrange further payments to the a/c. Should you be experiencing financial hardship at this time, pls provide our agent with details of yr current monthly I&E so an appropriate payment plan can be agreed. We would like to take this opportunity to advise that all our agents are trained to understand & empathise with our customer' financial difficulties & work to a policy of fair & realistic treatment for all. refer #716 ignore for now
19/6/13
Letter from MDB received. Unfortunately I have not had a response to my recent letter. This is disappointing as I wanted to give you the opportunity to resolve this matter without the need for a further third party to become involved. Part of my a/c management process involves profilling a/c to pass to doorstep specialists, who may arrange to visit yr home. However, should my enquiries show that you are a home owner or employed/self employed, a third party may be instructed immediately to begin further collection activity. I assume you would rather this together with the additional costs, and therefore strongly advise to ring me today on XXXXXXXXXX.
2/7/13
template-letters threat-of-doorstep-visit sent.
2/7/13
Letter from DLC received (5/7/13). We are following up yr request for a copy of the original documentation (CCA) with the original lender. When this becomes available we will forward a copy to you. Should you require anything further at this point pls contact me. I will update you on developments in 21 days if there are no developments beforehand.

10/7/13
Letter from DLC received (12/7/13). Yr letter dated 25/6/13 addressed to MDB regarding the above a/c has been referred to our offices for attention. We acknowledged yr request for our company to cease contact via telephone in 9/2011; there is no evidence we have contact you other that by letter since that date. Should you have documentary evidence of recent attempts to contact you, pls provide this so the matter can be investigated. Pls note if you do not keep a regular dialogue with us regarding this a/c & update us accordingly, we may choose to re-instate yr contact tel no. to continue collection activity on the a/c when required. If re-instated, you will have a right to object to this processing only if it causes unwarranted & substantial damage or distress. You must provide yr objections i writing under secction 10 of the DPA 1998. You are not correct in yr assertion that our external agents can only call at you home if you agree to make an appointment. The debt is not reasonably disputed or deadlocked & our agents would give you reasonable notice of the timing of any intended visit which is all that is required. We request you now contact MDB to arrange payment of the a/c balance. As we have received payments to the a/c in the past, we assume yr liability in this matter is not in question.

Edit - miss Muddled was the user See letter here - you WILL need to edit it so its not identical and so it suits your situation as well. Pay attention to the Points I raise about legalities of the business!!
It starts here --> Miss Muddle's UE Diary - Page 8 - allaboutFORUMS
Then leads to this + another later on
Miss Muddle's UE Diary - Page 9 - allaboutFORUMS
I would play games and send DLC the first template above. Just edit it to suit your needs. When they reply, respond with the other templates as linked above (edited to suit) before finally showing the dreaded killer letter
It's called playing with the idiots

UPDATE...
17/7/13
Letter from MDB received. As advised in my correspondence, MDB is now managing yr a/c on behalf of Hillesden (dlc). I have identified yr a/c as eligible for an early settlement figure. If you pay £201 within 14days, I will able to write off the remaining £201. Once payment has been received, will arrange for the credit reference agencies to be updated which will have a positive impact on this entry on yr credit file. If you do not respond as requested yr a/c may be referred to doorstep specialists, who may arrange to visit yr home to discuss repayment of the balance.

Before I post off the letter which Niddy advised me to send to DLC tomorrow and just like to ask what you think I should reply with MDB.

[Never-In-Doubt]

Re: Lovemoney UE Diary

Reply with nothing to MDB - ie ignore em

Do as agreed - you'll be fine. MDB are not a live company so send DLC the letter in Miss Muddled's thread

[Never-In-Doubt]

Re: Lovemoney UE Diary

Is this only a £402 debt? (Based on the offer)

[Never-In-Doubt]

Re: Lovemoney UE Diary

Is this only a £402 debt? (Based on the offer)

[Enforcer]

Re: Lovemoney UE Diary

I would reply that your client owes me a serious amount of money by way of restitution of interest at the same compound rates that were charged on my unenforceable agreement.
Can you please discuss with your client when they are proposing to pay their debt to me.
Please confirm when they will settle their debt in writing.

[Never-In-Doubt]

Re: Lovemoney UE Diary

^^^ lol

That's handy for next time. Good idea

[Lovemoney]

Re: Lovemoney UE Diary

Reply with nothing to MDB - ie ignore em

Do as agreed - you'll be fine. MDB are not a live company so send DLC the letter in Miss Muddled's thread

will do...thanks.

Yes, total debts £403.77 now offer settlement £201.++.

[Never-In-Doubt]

Re: Lovemoney UE Diary

Did you WANT to settle?

[Lovemoney]

Re: Lovemoney UE Diary

Did you WANT to settle?

It is unenforceable & just the small amount compare with the rest, not too worry....nope.

[Lovemoney]

Re: Lovemoney UE Diary

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 & set up s/o £1 pm. (*Refer #463 & #479)
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 BALANCE £2693.51
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.
7/1/13
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 s/o cancelled [forgot to cancel])
1/2/13 BALANCE: £2693.51
Letter from Crapot LIMITED OFFER Repaying yr a/c-our offer to you If you respond within the next 30 days from the date of this letter, 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 immendiately. Alternatively, we may be able to offer you an attractive repayment plan which will enable you to repay yr outstanding balance within 5 yrs. The most important thing for you to do now is to get in touch with us immediately.
27/2/13 BALANCE: £2692.51
Letter fromCABOTreceived 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.

4/4/13 BALANCE: £2690.51
Letter from Crapot received today (11/4/13). Your outstanding debt According to our records you currently owe £2690.51 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 If you don't conatact us to agree a suitable repayment plan we will have to move yr a/c to the next stage of our collections process. Contacting 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 XXXXXXXXXXX & one of our helpful customer advisors will discuss the options for repaying yr a/c. Our aim is to help customers get their a/cs cleared-so contact us now.
12/4/13
Overdraft - CCA Information part 2 sent by recorded. (*Refer #697 & #699)
22/4/13 BALANCE: £2690.51
Letter from CABOT received (25/4/13). We have had a look at the length of yr currently repayment plan with us & can clearly see that the plan in conjuction with yr age will be paying this a/c back to us for more than 15 yrs. Appreciate this is not an ideal situation. So we would like to help you be free of this a/c within a few mnths proposing to accept a lower amount to clear the amount. If you could find the money to repay £1345.26 then we will accept this as payment to clear the a/c in full yr mnthly payments can then cease. Ideally needs to be pd over the next few wks but if you do feel that you need more time then we can work with you to arrange this. If you would like take advantage of our offer then pls call us within next 14 days.
24/4/13 BALANCE: £2690.51
Letter from CABOT received (4/5/13). Your letter dated 12/4 the contents have been duly noted. We can confirm that we sent statements to you in respect of this a/c on 28/2/13. We would also draw yr attention to our letter, dated 15/10/12, in which we advised you that there is no need for CABOT or Bank of Scotland to provide a copy of yr credit agreement under the CCA is set out in section 74(1)(b). Therefore, we believe yr comments regarding the enforceability of the credit agreement to be irrelevand. We can confirm that ur a/c remains with our Collection Dept. & it is important that you contact them within 30 days from the date of this letter to discuss yr repayment options. If we do not hear from you within this timescale, yr a/c may be escalated within our Collection process. refer #723 ignore it for now, £1 s/o cancelled.
31/5/13 BALANCE: £2689.51
Letter from FIRE [FINANCIAL INVESTIGATIONS & RECOVERIES (EUROPE) LTD] received (7/6/13). Due to yr failure to pay the above debt, FIRE has been instructed by our client, CABOT, to recover the full outstanding balance on yr a/c. -This notice is issued for non-payment of the above debt. -Failure to pay yr debt will result in further recovery action. -PAYMENT IN FULL IS REQUIRED IMMEDIATELY. You must now contact one of our agents in our Recovery Dept.
10/6/13
Account Sold whilst in Dispute sent (FIRE) by recorded. refer #709
21/6/13
Letter from FIRE (24/6/13). Yr letter received in out office 17/6/13. sorry to learn that you have to raise concerns regarding this a/c. Can confirm that we will be conducting a thorough investigation into yr concerns. Once we have completed this will write to you again. Enclosed a copy of internal complaints proceduce for yr information. Pls take tie to read this as it explains how we will deal with yr complaint & when we will ccontact you again.

UPDATE...

12/7/13
Letter from FIRE (18/7/13). Further to our letter dated 21/6/13. Regrettably. I have been unable to provide you with my full response as continuing to investigate yr concerns in further details. I apologise for any inconvenience this delay may cause & can assure you will write to you again asap, no later than 8wks from the date we received yr complaint.
Filed...wait and see what they send next.

[Lovemoney]

Re: Lovemoney UE Diary

LLOYDS TSB (CREDIT CARD) CO(Restrictions)
HUSBANDS

1/8/11
Dlc replied failed to maintain acceptable payment, made equiries with land retistry confirmed hse owner will take legal action ccj then charging order to secure the debts.
3/8/11
Dlc & tsb send letter reissued for completeness

17/8/11
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 letter from dlc unable to accept recent payment offer as unrealistic intention cc claim blah blah....
13/9/11
received letter from Hillesden Securities saying following our recent complaint letter have been removed our contact no from their record.
26/9/11
replied don't want to go to court, due to financial hardship can only afford £1 at the present, offer still open to accept.
28/9/11
received letter from Aplins instructed to issue legal proceedings against me unless payment in full immediately. If payment not received 14days a Claim will be issued NCCBC together with claim a interest & legal costs.
12/10/11
received Notice of Default Sums from dlc & court claim form.
2/11/11
received Notice of Default Sums from dlc & court claim form.
Note: Admission form lost in the post.
2/11/11
received Judgement for Claimant(in default) order forthwith amount.
21/11/11
sent in form N245(variations).
16/1/12 Balance £3436.38
received annual statement of a/c from dlc. applied for a Charging Order on property secure payment and enclose copies of the application and the Interim Order.
Note: last minute noticed the hearing date is for final Charging Order instead Interim Order so OP too late to object to the application. I brought all the relevant details to the hearing unfortunately in and out judge's office within 2 mins. Sadly this is typical process for a CO hearing short, blunt and brutal.
1/2/12
advice by national debt helpline make a complain to FOS relates to asking for copy of the agreement not able to comply a/c was then closed and returned to the bank. Did not hear hear anything regarding the debt for 2yrs received a letter from new dca, have sent details financial hardship was refused now going to county court for charging order.
5/3/12
received details of the complaint, should hear from the business next few days and final response in writting within 8 wks.
6/3/12
acknowledge receipt of complaint from dlc saying will respond within 5days and opportunity to fully investigate the points have raised. (enclosed a copy of their Complaints Procedure for my reference)
19/3/12
received reply explained all the steps since dlc started the account & disagree with claims that no contact has been made for 2yrs and closed the a/c and returned it to the "bank". the complaint has not been upheld & remain with Litigation Team please contact them to discuss the next course of action. We trust now resolves the matter confim this by return writing or telephoning await response no later than 5/4/12.
21/3/12
I phoned FOS, been advised give dlc a call to check is that final response with the complaint if not request them put it in writing to confim then sent back to FOS can carry further investigation. Immediately phoned dlc saying Lloyds sold them this debts been told isn't anything wrong with the a/c. And advised need further investigation put it in writing.
31/7/2012 BALANCE £3544.38
received PAYMENT PLAN CONFIRMATION from DLC
To start from: 5/8/2012
Number of instalment: 12
Frequency: 12
Amount: £1.00
Should you not be able to make payments, or yr circumstances change, you should contact us on the above. Failure to keep to this arragement may result in further action. This arrangement will be subject to review at our discretion and may be terminated by us at any time without notice.

UPDATE...

12/7/13
Letter from DLC (18/7/13). We have a charging order registered against yr property & you are presently repaying the a/c by instalments. Due to the length of time it will take to repay the debt may we request that you contact us with a view to discussing the amount of yr payments. We are prepared to discuss yr situation over the telephone or alternatively you can complete the slip below & return at yr earliest conveniene.
PROPOSED INSTALMENT DETAILS
Pls increase my future instalments to £___per wk/fortnight/mnth (delete as appropriate)
With effect from:
Signed:
Home tel No:
Work tel No:
Any advice on what I should do next.

[Enforcer]

Re: Lovemoney UE Diary

Just ignore them!

[SXGuy]

Re: Lovemoney UE Diary

Aww damn, its a shame they got a CO i was in the same position with these muppets, likely they didnt take it that far in the end. But they threatend it from the very start!