Angelsoxx's UE diary

[angelsoxx]

Re: Angelsoxx's UE diary

Lloyds tsb credit card

Date commenced: 11/02/2002

Approx balance £2576

Date last paid 2006

Arrangement from 2006 until march 2012, no longer paying

Account In arrears

Account owner lloyds

MarchCCA sent 5/3/12

March
got UE CCA (stroppy letter, wrong info, no statements) dated 10/3/12. Niddy says

MarchMissing prescribed terms letter being sent 12/3/12

received a cc statement, despite UE they've added interest and charges, should i do anything or just ignore?

8th June letter dated 31st may from Apex credit management. Our client has requested we contact you to arrange full payment of the outstanding balance. blah blah blah. Should I sent them Account Sold whilst in Dispute seeing as lloyds have ignored my CCA and passed this along to Apex?

[angelsoxx]

Re: Angelsoxx's UE diary

I Would send this If it was me--------> Threat by Creditor - To Commence Litigation

Awesome, I love these templates. Cheers Niddy

[angelsoxx]

Re: Angelsoxx's UE diary

It quite literally never rains but it pours, i've been away with work, and when I get back, awful weather and lovely threats- it was sunny and quiet when i left!

[Deepie]

Re: Angelsoxx's UE diary

March Missing prescribed terms letter being sent 12/3/12

received a cc statement, despite UE they've added interest and charges, should i do anything or just ignore?

8th June letter dated 31st may from Apex credit management. Our client has requested we contact you to arrange full payment of the outstanding balance. blah blah blah. Should I sent them Account Sold whilst in Dispute seeing as lloyds have ignored my CCA and passed this along to Apex?

I Would.........

[angelsoxx]

Re: Angelsoxx's UE diary

I'm on it :-)

[Deepie]

Re: Angelsoxx's UE diary

I Would send this If it was me--------> Threat by Creditor - To Commence Litigation

Awesome, I love these templates. Cheers Niddy

BTW it's....... in 2 deep not Niddy............

[angelsoxx]

Re: Angelsoxx's UE diary

BTW it's....... in 2 deep not Niddy............

Crapbags!! I'm sorry, lack of sleep!!

Thank you In2deep

[Never-In-Doubt]

Re: Angelsoxx's UE diary

BTW it's....... in 2 deep not Niddy............

Crapbags!! I'm sorry, lack of sleep!!

Thank you In2deep

Sorry I2D - everyone calls you Niddy.

It must mean you're as efficient as me and the stealthy like ninja presence is working

[angelsoxx]

Re: Angelsoxx's UE diary

Apex/Goldfish

start date 11/02/2004

Approx balance £2253

Date last paid full amount 2006

Was on plan with cccs, plan stopped, no longer paying.

Default Date 29/05/2009

Apex took official assignment 12/05/09

March 5th cca sent

March 9th Letter dated 8 march they are currently unable to obtain suitable copies of document from original creditor, removing account from normal collection activity. They request I continue to make payments even though they acknowledge that at this time my agreement is UE

emailed Niddy the letter

june 8th, letter from apex, they've just noticed they haven't had any payments, and they're going to pass the debt along to their collections team to commence recovery of the balance. Should I ignore and them reply when the collections team contact me?

[Deepie]

Re: Angelsoxx's UE diary

june 8th, letter from apex, they've just noticed they haven't had any payments, and they're going to pass the debt along to their collections team to commence recovery of the balance. Should I ignore and them reply when the collections team contact me?

I Would send this with a copy of the letter you have from the 9th of March-------->CCA Query - Letter Previously Confirming No CCA

[angelsoxx]

Re: Angelsoxx's UE diary

I'm on it. Ta!

[angelsoxx]

Re: Angelsoxx's UE diary

Lloyds (previously morgan stanley)

Start Date 03/11/2003

Approx balance £1039

Date last paid full amount 2006

Was on plan with cccs, plan stopped, no longer paying.

Default Date Default Date 17/12/2010

Lloyds handling

March 5th cca sent

March 26th Recon CCA received, Niddy says

Missing prescribed terms letter will be sent mon 2nd april.

11th june, letter telling me i'm in arrears and must make payments to avoid further action. They also sent me a "current information questionnaire" to complete if i am unable to make the payments. Do i reply to this?

[Never-In-Doubt]

Re: Angelsoxx's UE diary

11th june, letter telling me i'm in arrears and must make payments to avoid further action. Do i reply to this?

Nope, see what they send next

[angelsoxx]

Re: Angelsoxx's UE diary

Simples! Thanks

[angelsoxx]

Re: Angelsoxx's UE diary

CL finance

Date commenced 2001/2004 --NO DATE SHOWN ON CREDIT FILE??!

Approx balance £699

Date last paid full amount 2006

Default Date 08/08/2006

Was on plan with cccs, plan stopped, no longer paying.

CL finance handling account

March 5th cca sent

March statement received stating £3167.74 owed, Account number does not correspond to any debt i have.


This debt was originally with first direct, but no mention of them on my credit report.

19/04/12statement of account recieved, balance stated as £8801.14 (they've taken off the £1 cheques i sent them with my cca requests for both debts with CL finance. Still no CCA and still the amounts and account numbers make no sense whatsoever.

8th may letter recieved noting i have failed to make agreed payments towards account, I must make an immediate payment or they will instruct their solicitors or a debt recovery agent to take further action against me. Should I reply? they haven't sent me a CCA or acknowledged my request (other than to cash my cheque) for this account.

8th may CCA Reminder - Unenforceability Threat
sent.

8th June letter dated 31st may[/COLOR] NOTICE OF PENDING LEGAL ACTION
sent from Howard Cohen &co solicitors. We've been instructed to issue COURT PAPERS for issue against you for non-payment of the aboce debt.
We will rely on your reply to this letter (or lack of any reply) in decidingwhat further action we take.

Then they tell me how much currently owe- £704.08 apparently, and how much it could be with potential court costs.
Then all the threats about baliffs etc, tells me how i can stop this now by calling and paying in full NOW.

Then they've put Claiment's details and factual background to this matterThe claiment in this case will be CL finance.
YOur account was assigned to CL finance in sept 2007, and a notice of assignment has previously been sent to you.

Documents relied upon
We intend to rely upon the notice of assignement of debt and any other relevant correspondence. We reserve the right to adduce additional evidence if required.

11th june, sent them Threat by Creditor - To Commence Litigation

15th june: letter from Howard Cohen, they acknowledge receipt of my letter, and go on to say, Our client has now informed us they have recieved your S.78 CCA request.
However, we should point out that a s.78 CCA is not applicable to your account because s.78 only refers to running-credit account but your account has been in default for many years.
We have placed this matter on hold in order for our client to respond to you directly,

Well, the other account held by CL finance has also been defaulted for many years, and they have given up collection on that as they have no CCA so wtf?? Are they just BS-ing me??