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  • #136
    Re: mr affable's UE diary

    Originally posted by mr affable View Post
    As per post #136 I sent template letter 'a/c sold whilst in dispute' to Westcot. They said they would take instructions from Capital One.

    They have now written to me saying that 'the balance is correct and due' and asking for payment.

    Presumably I can just ignore this or is there another template letter I can send?
    If it were me I would see what they do next.........
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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    • #137
      Re: mr affable's UE diary

      Westcot keep calling me - I keep ignoring them.

      Have also now received a Final Demand from Waitrose - presumably I just ignore (Niddy has already said unenforceable based on info they have provided so far).

      Also received a letter from Moorcroft Debt Recovery Limited on behalf of Mint. Mint never produced a CCA. Is there a suitable letter I can send to Moorcroft?

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      • #138
        Re: mr affable's UE diary

        Originally posted by mr affable View Post
        Westcot keep calling me - I keep ignoring them.

        Have also now received a Final Demand from Waitrose - presumably I just ignore (Niddy has already said unenforceable based on info they have provided so far).

        Also received a letter from Moorcroft Debt Recovery Limited on behalf of Mint. Mint never produced a CCA. Is there a suitable letter I can send to Moorcroft?
        -----------> Account Sold whilst in Dispute
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • #139
          Re: mr affable's UE diary

          Is it a final demand or a threat of action? Could you not send the letter creditor refusal to accept ue?

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          • #140
            Re: mr affable's UE diary

            Now received a letter from Nelson Guest & Partners Solicitors (instructed by Wescot)asking for repayment proposals or 'further recovery action will be undertaken'. Presumably I just ignore and see what they do next - or is there a letter I can send them?

            Comment

            • #141
              Re: mr affable's UE diary

              Originally posted by Flowerpower
              Nelson Guest Puppets are just letterheads-for-rent for Wetclothes I got quite a few letters from them, most of them not replied to. I only ever sent a single dispute letter to this lot and they gave up the ghost over a year ago

              If it was me, I'd just wait and see what their next move is...


              Must be one of my likes the+:- = 75p letter for hire, do not respond back to us but to as below.
              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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              • #142
                Re: mr affable's UE diary

                i would send the sold in dispute, keeps a nice neat papertrail

                Comment

                • #143
                  Re: mr affable's UE diary

                  Just received a 'Door Step Collection Notice' from Wescot saying instructions will now be provided to their agent to make an appointment with me to visit my home address.

                  Presumably I should send the harrassment template letter Flowerpower mentioned in her post #161 ?

                  Am I right in thinking that if i do not agree to make an appt (which I dont)then they wont just turn up?

                  Comment

                  • #144
                    Re: mr affable's UE diary

                    I have now received a letter from Lowell Portfolio I Ltd saying Capital One have sold them the debt. They are asking for my repayment proposals - presumably I can send them a template letter?

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                    • #145
                      Re: mr affable's UE diary

                      Originally posted by mr affable View Post
                      I have now received a letter from Lowell Portfolio I Ltd saying Capital One have sold them the debt. They are asking for my repayment proposals - presumably I can send them a template letter?
                      I'd start by sending them this one -

                      Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

                      SH

                      Comment

                      • #146
                        Re: mr affable's UE diary

                        Originally posted by mr affable View Post
                        I have now received a letter from Lowell Portfolio I Ltd saying Capital One have sold them the debt. They are asking for my repayment proposals - presumably I can send them a template letter?
                        If it were me I would be sending them this:

                        http://www.all-about-debt.co.uk/temp...lity/s3-t4.php

                        Comment

                        • #147
                          Re: mr affable's UE diary

                          Hi guys
                          All been quiet for a long time - just the odd telephone call and letter (all ignored) However have now received copy of agreement for Capital One from Lowells (who have purchased the debt). Basically its the same one that I received last year from Capital One and Niddy confirmed was unenforceable. At that time i sent a 'missing prescribed terms' letter.
                          Presumably i should send the same letter again to Lowells? The only extra thing they have sent is a statement detailing all debits and credits - so should i delete the bit in the PT letter asking for this?

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                          • #148
                            Re: mr affable's UE diary

                            is this the first contact from Lowell's?

                            I'd be sending them a sold in dispute if it is

                            Comment

                            • #149
                              Re: mr affable's UE diary

                              Already done that in December 2012 so they told me they would get a copy of the agreement and send it to me which they have now done.

                              Comment

                              • #150
                                Re: mr affable's UE diary

                                go with your first thoughts

                                missing PTs it is

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