Lovemoney UE Diary

[Still Waving]

Re: Lovemoney UE Diary

As I read the history, Tesco did reply to the CCA request, but it has been deemed unenforceable and the appropriate templates have been sent since then. I would suggest a letter to RobWay telling them to read your last letter again, that you were not applying to them with a CCA request, and suggesting they refer back to their client.

[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.
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. refer #777 &778
16/9/13
Account Sold whilst in Dispute - allaboutDEBT UK sent by recorded.

UPDATE...
25/9/13
Letter from CABOT received (27/9/13). Yr letter received in our office on 19/9/13. Sorry to learn that you have had to raise concerns regarding this a/c. I can confirm that we will be conducting a thorough investigation into yr concerns. Once we have completed this, we will write to you again. Pls find enclosed a copy of our internal Complaints Procedure for yr information.
Filed...

[Lovemoney]

Re: Lovemoney UE Diary

I would suggest a letter to RobWay telling them to read your last letter again, that you were not applying to them with a CCA request, and suggesting they refer back to their client.

Okay, I’ll do just that.

[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.
19/3/2013
Letter from 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. refer #686
8/4/2013
Letter from Tesco Bank received today (10/4/13) Important-you must take action-call us today on XXXXXXXXXXXXX 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. Call us on XXXXXXXXXXX to pay. Lines are open XXXXXXXX. Are you in financial difficulties? Contact us immediately if, due to financial difficulties or a change in circumstances, you cannot pay the full debt within the next 7 days. There is no need to panic. Call XXXXXXXto speak to one of our experienced advisors. They will listen sympathetically & help you think about yr options. We have helped lots of people in yr situation in the past. refer #697
26/4/2013
Letter from Wescot received (29/4/13) We have been instructed by our client (Tesco Bank) to collect the outstanding balance £xxxx.xx on their behalf. Pls contact us asap as failure to do so will result in further recovery action.
30/4/2013
Templates | Unenforceability Templates | Account Sold whilst in Dispute sent by recorded. refer #720
8/5/2013
Letter from Wescot received today (13/5/2013). 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.
14/6/2013
Letter from Wescot received today (18/6/2013). We refer to yr recent communication where you raised a dispute on this a/c. Thank you for yr patience & we can confirm that we are awaiting further information from our client before this issue can be resolved, we will be in touch with you in due course.

UPDATE...
04/10/2013
Letter from Wescot received today (9/10/2013). We acknowledge that you have raised a dispute on this a/c & we would like to confirm to you how this will be investigated. WHAT WILL HAPPEN? We will not make contact with you regarding collection of the outstanding balance on this a/c whilst this issue is being investigated. Pls be advised that as we will also need to contact our client, this process may take several weeks.
Filed...

[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.
19/3/2013
Letter from 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. refer #686
8/4/2013
Letter from Tesco Bank received today (10/4/13) Important-you must take action-call us today on XXXXXXXXXXXXX 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. Call us on XXXXXXXXXXX to pay. Lines are open XXXXXXXX. Are you in financial difficulties? Contact us immediately if, due to financial difficulties or a change in circumstances, you cannot pay the full debt within the next 7 days. There is no need to panic. Call XXXXXXXto speak to one of our experienced advisors. They will listen sympathetically & help you think about yr options. We have helped lots of people in yr situation in the past. refer #697
26/4/2013
Letter from Wescot received (29/4/13) We have been instructed by our client (Tesco Bank) to collect the outstanding balance £xxxx.xx on their behalf. Pls contact us asap as failure to do so will result in further recovery action.
30/4/2013
Templates | Unenforceability Templates | Account Sold whilst in Dispute sent by recorded. refer #720
8/5/2013
Letter from Wescot received today (13/5/2013). 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.
14/6/2013
Letter from Wescot received today (18/6/2013). We refer to yr recent communication where you raised a dispute on this a/c. Thank you for yr patience & we can confirm that we are awaiting further information from our client before this issue can be resolved, we will be in touch with you in due course.
04/10/2013
Letter from Wescot received today (9/10/2013). We acknowledge that you have raised a dispute on this a/c & we would like to confirm to you how this will be investigated. WHAT WILL HAPPEN? We will not make contact with you regarding collection of the outstanding balance on this a/c whilst this issue is being investigated. Pls be advised that as we will also need to contact our client, this process may take several weeks.

UPDATE...
08/10/2013
Letter from Wescot received (11/10/2013). Having contacted our client they have advised they have no record of receiving a CCA for this a/c. We believe the dispute has now been resolved & full balance or an agreed monthly instalment is required by return. If in the event you believe you still have a valid dispute, pls contact us within 14 days otherwise yr a/c will be returned to our recovery team for collection.

09/10/2013
Letter from Wescot received (12/10/2013). Refer to yr recent communication where you raised a dispute on this a/c. Thank you for yr patience & we can confirm that yr a/c remains on hold whilst we await further information from our client, we will be in touch with you in due course.
Comments would be appreciated.

[Deepie]

Re: Need Advice

[/COLOR]
[/COLOR][/SIZE][/COLOR][/COLOR]UPDATE...
08/10/2013
Letter from Wescot received (11/10/2013). Having contacted our client they have advised they have no record of receiving a CCA for this a/c. We believe the dispute has now been resolved & full balance or an agreed monthly instalment is required by return. If in the event you believe you still have a valid dispute, pls contact us within 14 days otherwise yr a/c will be returned to our recovery team for collection.

09/10/2013
Letter from Wescot received (12/10/2013). Refer to yr recent communication where you raised a dispute on this a/c. Thank you for yr patience & we can confirm that yr a/c remains on hold whilst we await further information from our client, we will be in touch with you in due course.
Comments would be appreciated.

I would just sit tight and see what they send next.....

[Lovemoney]

Re: Need Advice

I would just sit tight and see what they send next.....

will do...thank you for the reply.

[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
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.
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. refer #777 &778
16/9/13
Account Sold whilst in Dispute - allaboutDEBT UK sent by recorded.
25/9/13
Letter from CABOT received (27/9/13). Yr letter received in our office on 19/9/13. Sorry to learn that you have had to raise concerns regarding this a/c. I can confirm that we will be conducting a thorough investigation into yr concerns. Once we have completed this, we will write to you again. Pls find enclosed a copy of our internal Complaints Procedure for yr information.

UPDATE...
16/10/13
Letter from CABOT received (18/10/13). Writing further to our letter dated 25/9/13. Our investigation We have attempted to obtain information from Co-op & Equidebt in relation to the issues you have raised, who regrettably are unable to provide us with any information to enable us to conclusively resolve yr concerns. Conclusion In light of the above, CABOT have taken the decision to no longer pursue collection of this a/c. Pls accept my sincere apologies for any inconvenience caused by our purchase of this a/c & be assured that we will not contact you any further in this regard. I can only apologise if you feel our contact to have been harassing & would like to reassure you it was not Cabot's intention. Under the terms of our Complaints Procedure this our final response. If you remain dissatisfied, may refer yr complaint to FOS....I trust I have clarified yr concerns.
I wish it was a bigger .

[Still Waving]

Re: Lovemoney UE Diary

Nice result.

[IF]

Re: Lovemoney UE Diary

Brilliant news Lovemoney

[Deepie]

Re: Lovemoney UE Diary

Great result.........

[alland]

Re: Lovemoney UE Diary

Great news Lovemoney, well done

[Pixie]

Re: Lovemoney UE Diary

Great news Lovemoney

[greymatter]

Re: Lovemoney UE Diary

Great news

[cymruambyth]

Re: Lovemoney UE Diary

Well done, but make sure you keep that letter safe, just in case....