Lovemoney UE Diary

[SXGuy]

Re: Lovemoney UE Diary

Personally, ignore it, from now on they will send you arrears statements, and letters that say "we have some new information relating to the account, please telephone us" this is just standard letters they chuck out, nothing to worry about.

If you get a letter from Alpins solicitors, then obviously that will need a reply, but knowing DLC they will go quiet for a while now.

[Pixie]

Re: Lovemoney UE Diary

Keep that letter very safe

[Lovemoney]

Re: Lovemoney UE Diary

Thank you for everybody feedback much appreciated.

I will ignore and see what they do next.

Certainly will keep this letter very safe for the future evidence.

[Lovemoney]

Re: Lovemoney UE Diary

Following #758....

FURTHER UPDATE...
6/9/2013
Letter from Robinson Way received today (9/9/13). We understand that in these difficult times it can be a struggle maintaining payments to yr a/c. You may have made a previous repayment offer that was declined, we want to help you by agreeing an affordable arrangement based on yr individual circumstances. We have a range of payment solutions available that we can tailor to yr situation so pls contact us discuss the best way forward or if you prefer not to speak to one of our collection agents you can deal online or email.

Still Waving will send Account Sold whilst in Dispute - allaboutDEBT UK to Robinson Way you advised.....

[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. However 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.
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..

UPDATE...
9/8/13
Letter from FIRE received. Writing further to our letters dated 21/6 & 12/7. Our understanding of your complaint You are dissatisfied with the contact you have received from Financial Investigations & Recoveries Ltd ("FIRE") in relation to this a/c as you claim this remains in dispute with the original lender due to their failure to comply with yr request under the CCA 74. As a result, you believe that this debt is rendered unenforceable & request we cease contacting you any further in relation to yr outstanding balance. Our investigation to clarify that this a/c relates to a joint current a/c that was opened by both you & Mrs in 4/2006. Pls be advised that under Part V of the CCA, there is no requirement for us to provide a copy of yr credit agreement under the CCA for Current A/C & Overdraft Facilities, as Part V of the CCA does not apply to these types of a/cs. The exclusion of Current A/cs falling into Part V of the CCA us set out in section 74(1)(b) & therefore yr comments relating to this particular section of the CCA & yr belief that this a/c is unenforceable are not applicable in this instance. We have liaised with our client, Cabot who have provided us with a copy of their previous letter sent to Mrs dated 26/9/12, which addresses this matter in further details. Pls find enclosed a copy of this for yr ease of reference. In relation to yr comment that our contact in harassing, I would like to remind you that yr a/c has been legally assigned from Bank of Scotland on 3/8/12 & we have been instructed on behalf of Cabot tyo contact you concerning the repayment of this debt, I have obtained the relevant records from our Dialler Dept. & note that since being instructed on this a/c in 5/13, FIRE have not made any telephone calls to you regarding yr a/c & any correspondence you have received has been in a legitimate attempt to obtain yr co-operation with the repayment of this debt. Therefore, as our contact has been made lawfully, we do not consider this amount to harassment or be in breach of any regulatory guidance or law applicable to our industry. Conclusion It is clear this debt remains enforceable at law & yr financial obligations have not been reli8nquished regarding the repayment of yr outstanding balance. In the circumstances, I would like to clarify that the enforcement has been defined within English Law as obtaining a Judgement at Court, however neither Cabot nor FIRE are seeking to initiate legal proceedings in respect of this debt, we would request you contact us asap to arrange repayment. Under the terms of our Complaints Procedure, this is our final response, if you remain dissatisfied, you may refer yr complaint to the FOS with 6mnths from the date of this letter. Nevertheless I must advise you that should yr complaint be in regards to the enforceability of the credit agreement, we do not consider this to be within the jurisdiction of the FOS & they may be unable to investigate yr concerns.

12/8/13
Letter from FIRE received. 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.

Any advice on what I should do next.

[Still Waving]

Re: Lovemoney UE Diary

This is just my opinion but, reading between the lines of their letter of 9/8/13, they are not entirely sure of their ground as they state that they are not seeking to initiate legal proceedings and go on to define enforcement (ie that which they are not doing). Further, their letter of 12/8/13 mentions further recovery action (again not legal proceedings). It also looks like a request for you to phone them, and I presume you have already told them "in writing only"? If not, possibly send them a brief letter to this effect. Alternatively, I think I would sit tight and await their next move.

Others may be along with better advice.

[SXGuy]

Re: Lovemoney UE Diary

Deleted. misread post.

[Deepie]

Re: Lovemoney UE Diary

Letter from FIRE received. 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.[/FONT]

Any advice on what I should do next.

I think I would sit tight and await their next move.

Others may be along with better advice.

If it were me that's what I'd do......

[Lovemoney]

Re: Lovemoney UE Diary

If it were me that's what I'd do......

Reply was much appreciated...

[Lovemoney]

Re: Need Advice

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.
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. refer #656&#657 ignore for now & just to see what they send next.
16/4/13
Letter from CAPITAL ONE received today (19/4/13). Sold yr a/c to LOWELL PORTFOLIO on xx/x/xx, All contact about yr a/c should now be with LOWELL PORTFOLIO will write to you to provide details of how they can be contacted & how payment can be made. LOWELL PORTFOLIO will start reporting against your credit file within 30 days of you receiving this letter. If yr a/c is being managed by an authorised third party for example a relative or a Debt Management Co. pls ensure that you update them with this information & show them this letter. The outstanding balance on yr a/c as at xx/x/xx was £1785.43 & this balance will be passed along with any payments or spend to LOWELL PORTFOLIO.
2/5/13
Email from LOWELL PORTFOLIO received. We wrote to you recently regarding yr debt that has been sold to LOWELL PORTFOLIO by Capital One. Has asked us to collect the debt on their behalf. Make us an offer! We want to help, willing to listen to any arrangement offer you can realistically afford to help repay the outstanding balance. The repayment can be weekly or monthly, whichever suits you best. When yr balance is cleared, will update the credit reference agencies to reflect this on yr credit file. When you enter into a repayment arrangement with us, it should give you some comfort knowing you are getting yr finances back on track. As long as you make yr agreed repayments on time, you will not receive further phone calls & letters from us or any third party debt collectors appointed by us & we will not take further action against you to recover the debt. Pls call XXXX today to discuss an affordable repayment plan. If you would prefer to pay online you call set up a D/D in the comfort of yr own home without the need to speak to anyone, remenber we will accept yr offer of monthly payment. (don't know how they got my email address from)
1/5/13
Letter from LOWELL PORTFOLIO received (4/5/13). We're here to help you get yr a/c up to date wrote recently to let you know they have bought the outstanding balance you had with CAPITAL ONE. You have not yet cleared the outstanding balance or entered into a repayment plan, so they have asked us to get in touch. We can help you clear this outstanding balance & repaying yr debt may help to improve yr credit rating. What you need to do now It's very important that you do 1. Pay us in full... 2. Contact us to talk about a convenient way for you to pay. Based on yr current financial circumstances, we will be able to offer a repayment plan that works for you. refer #724&#725
13/5/13
Account sold while in dispute (dated 7/5/2013) sent by recorded.
16/5/13
Letter from LOWELL PORTFOLIO. We still haven't agreed a repayment plan for the outstanding balance you have with us. The longer you leave getting in touch or paying off the balancem the more you risk further action being taken against you including legal action. We may also ask one of our agents to arrange a time to visit you at home to discuss yr a/c & repayment of yr debt if we don't hear from you. So pls phone us.
24/5/13
Letter from LOWELL PORTFOLIO received (31/5/13). I confirm that yr complaint has now been to the Customer Relations Dept. who will carry out a thorough investigation. We will investigate this as quickly as we can but we may need to contact you for further information or to provide you with an update. If we can contact you by telephone, we will able to discuss yr concerns directly with you & hopefully agree a resolution with you verbally. This is the quickest & easiest way for us to resolve this for you. I would like to assure you that the a/c will be placed on hold, & we will stop all collections activity whilst dealing with yr complaint.
17/6/13
Letter from LOWELL PORTFOLIO received (19/6/13). Following on from our previous letter in acknowldegement of yr complaint, we are writing again to advise we are still investigating the details of yr concerns. Unfortunately, we have not yet completed the investiagation that will allow us to respond fully. Pls accept our apologies for the delay & thank you for yr patient. Be assured that we will write to you again asap but no later than 8 wks from the date we received yr complaint.
12/7/13
Letter from LOWELL PORTFOLIO received (13/7/13). Writing to update you on the progress of yr complaint investigation. In order to investigate yr complaint fully, it has been necessary to gather & review relevant information about yr case from CAPITAL ONE & this is taking longer than anticipated. Hope to have completed my investigation & be in a positon to provide you with a full response within the next 2wks. As it has now been 8wks since we received yr complaint you do have a right to refer yr case to the Financial Ombudsman, although I trust that this will not be necessary. If you would like to discuss yr case further at this stage, pls feel free to contact a member of my team on XXXXXXXXXXX.

UPDATE...
4/9/13
Letter from LOWELL PORTFOLIO received. I Have investigated the matter & this letter sets out the result of those investigations. Summary of yr complaint Believe our pursuit of the outstanding balance to be harassment as yr Section 77/78 CCA request by CAPITAL ONE was not complete, you believe this debt to be unenforceable & should not have been sold to us. My findings I apologise that you feel harassed by our activities in pursuit of this outstanding balance. I can assure you that this is certainly not our intention & that all of our procedures comply with the regulations & codes of practice laid down for the industry within which we operate our business. Believe the a/c to be valid & collectable. Will place the a/c on hold for 30 days for you to review all the information & contact us with yr payment proposals. After this period the a/c will passed to our Collections Dept. & collection activity will resume. Hope that this response concludes the matter to yr satisfaction. If you need to discuss this further pls do contact me or write to me. The FOS provides a dispute resolution service to assist customers who feel their complaint remains unresolved. Naturally, this response hope that you will not feel the need to do so. ~ Received photocopy Original Agreement & Defaulted Agreement (Emailed Niddy).

[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
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. (refer #689)
2/4/13
Account Sold whilst in Dispute sent by recorded.

UPDATE...
9/9/13
Letter from CABOT received (13/9/13). Has recently bought the a/c you held with EQUIDEBT and we're now responsible for administering, answering yr queries & receiving payment. Our employees will make every effort to build a relationship with you & to find a solution that is appropriate to yr personal circumstances. We offer a full range of paymemnt options & methods to make yr repayments as hassle free as possible.
I suppose send Account Sold whilst in Dispute to Cabot.

[MrsD]

Re: Lovemoney UE Diary

that's what I'd do

[Deepie]

Re: Need Advice

UPDATE...
9/9/13
Letter from CABOT received (13/9/13). Has recently bought the a/c you held with EQUIDEBT and we're now responsible for administering, answering yr queries & receiving payment. Our employees will make every effort to build a relationship with you & to find a solution that is appropriate to yr personal circumstances. We offer a full range of paymemnt options & methods to make yr repayments as hassle free as possible.
I suppose send Account Sold whilst in Dispute to Cabot.

That's the one I would send........

[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
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. refer # 654 &655
19/2/2013
Templates | Unenforceability Templates | Account Sold whilst in Dispute sent by recorded.
19/8/2013
Letter from Tesco Banks received. We write to advise that due to yr failure to agree or maintain repayments towards yr debt, have decided to pass the management of yr a/c to one of our Debt Collection Agencies called Robinson Way. They will attempt to contact you within next 10 days, to discussing yr individual circumstances. Their aim is to establish an affordable & sustainable repayment arrangement with you.
24/8/2013
Letter from Robinson Way received. This is about yr unpaid a/c. We are authorised to negotiate repayment of the a/c with you. Pay this in full to us, agree an affordable payment plan with us. If you fail to pay, and neglect to deal with this a/c, it may mean; *You ability to obtain credit including mortgages may be affected. *Our local doorstep collection agent is asked to visit you to agree a payment plan. *This a/c may continue to be a worry for you - we can help you deal with it. Immediate payment can be made by card. Our collection agents are waiting for your call, if you prefer. You can deal with this a/c online at XXXXXXXXXX.
6/9/2013
Letter from Robinson Way received today (9/9/13). We understand that in these difficult times it can be a struggle maintaining payments to yr a/c. You may have made a previous repayment offer that was declined, we want to help you by agreeing an affordable arrangement based on yr individual circumstances. We have a range of payment solutions available that we can tailor to yr situation so pls contact us discuss the best way forward or if you prefer not to speak to one of our collection agents you can deal online or email. refer #760...
16/9/2013
Account Sold whilst in Dispute - allaboutDEBT UK sent by recorded..

UPDATE...
18/9/2013
Letter from Robinson Way received. We understand in difficult times how worrying it can be to work out how to pay overdue a/c. Our aim is to help you clear up this long outstanding problem a/c, once & for all. We may allow yr a/c to be paid by affordable instalments of just £30 a month. Call us now or.......

23/9/2013
Letter from Robinson Way received today (25/9/13). Thank you for yr recent contact. Pls forward the fee of £1 to enable us to respond to yr request under the CCA. We have held yr a/c for 14 days to enable you to forward this. After this time collection activity will resume on yr a/c.
Should I send them CCA request? Advice needed please.

[Enforcer]

Re: Lovemoney UE Diary

You already sent CCA request.As they have not replied, in accordance with the regulations, advise them you consider the account unenforceable in law. If they start with the usual crap, ask them to send you a Final reply that will not send you a compliant CCA. Get it in writing then go to the FOS. Niddy knows how we win in this situation. Don't take the crap any more. Time to go into attack mode.