Angelsoxx's UE diary

[Never-In-Doubt]

Re: Angelsoxx's UE diary

They still have to supply a CCA for any regulated account, terminated or not, that still has money owing. The only other exception is when a CCJ has been obtained, which effectively forms a new agreement.

Shep x

Actually not quite.... they have to comply up until the point of any court action. The moment they commence legal action forget s.78 you then move to CPR31:14

I mentioned this the other day here: ---> allaboutFORUMS

Read onwards from the post above to get an idea

[Never-In-Doubt]

Re: Angelsoxx's UE diary

Action!

You should send back this: ---> Our Templates | Unenforceability Templates | DCA Refusal to Accept CCA Request

However read down and towards the bottom (second to last paragraph) change this:

Attached is a copy of my original request and the original payment in the sum of £1.00, which is the statutory fee - remember these funds are not to be used for any other purpose. If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee and then remove the incorrect entry from your systems.

to this (edit the parts noted in red)

I sent my original request to {ENTER DCA NAME} on {ENTER DATE}, a copy is attached for your perusal. The statutory fee was sent and has been cashed. If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee and then remove the incorrect entry from your systems.

[angelsoxx]

Re: Angelsoxx's UE diary

Awesome, Thanks Niddy, I'll get that done now

[angelsoxx]

Re: Angelsoxx's UE diary

[QUOTE=angelsoxx;165328]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"

23 july, letter from iqor.
"lloyds tsb have passed your debt to iQor to recover outstanding balance in full. If i do not take action to resolve this matter immdeiatly, then we may commence legal action, yada yada yada.." Shall I send them Account Sold whilst in Dispute?
Account in dispute sent
20 august, letter received from gpb solicitors:
We have been contacted by Iqor in relation to monies owed to Lloyds tsb.
If full payment, or your proposals for payment are not received within 10 days from the date of this letter (13th august- wtf!!?!) it is likely that we will be instructed to commence legal proceedings against you.
Please note we are NOT to enter into correspondence with you at this stage but to refer the matter to Iqor. Please contact them directly to avoid the necessity of such action

Pffft! what do i reply with chaps? and do i send to GPB or Iqor? Iqor ignored my last letter, why should I pay any more attention to GPB?

[roomtobreathe]

Re: Angelsoxx's UE diary

IQOR/GPB seem to be busy! Have been in touch with me as well.

allaboutFORUMS - View Single Post - Roomtobreathe's UE Diary - Mrs RTB's BOS CC

[swanfan]

Re: Angelsoxx's UE diary

Pffft! what do i reply with chaps? and do i send to GPB or Iqor? Iqor ignored my last letter, why should I pay any more attention to GPB?

I would send this to GPB--> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

[angelsoxx]

Re: Angelsoxx's UE diary

I would send this to GPB--> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Fantastic, cheers!

RTB- we got the same letter it seems, I'm hurt, I thought they cared about me as an individual!

[angelsoxx]

Re: Angelsoxx's UE diary

O/C Egg, owned now by Britannica Recoveries SARL-Arrow, chased by DLC


start: 12/01/2005 (can't find anything earlier on my credit file, but I know it started with an egg card around 2002, then a loan was added around 2003/4 and it was compiled into one big loan at the time of the start date i guess)

Approx balance £19923

Date last paid full amount 2006

04/04/2006

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

Defaulted Jan 2006

Handled by DLC
March 5th cca sent
31st march letter recieved "You have failed to respond to our previous letters" IGNORE!
17th August Letter received from ArseEurope. ArcEurope I mean..

This account remains unpaid and has now been passed to us for collection.
We wish to make it quite clear that unless a substantial payment is made to us within the next 10 days, along with a firm offer to clear the rest of the overdue balance, we will have to notify our client... blah blah, further action
What a load of old tosh! My CCA cheque was cashed, and not a CCA did i recieve, not even acknowledgement that one had been requested.
Cheeky, cheeky gits!
So, Account sold whilst in dispute?? God, I really, really want to ring them and give them a bollocking for acting unlawfully and being so bloody rude!
25th august, Letter from Arseurope:

We are writing in response to your recent correspondence.
We acknowledge your request for a copyof you CCA and we have referred this to our client Britannica Recoveries S.A.R.L Arrow, the Data controller. You account has been placed on hold pending further instructions from our client.
We will be in contact in due course with their reply.

Well, that's good, has anyone got any experience with Britannica? are they likely to scare up a CCA?

I doubt it myself...

[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"

23 july, letter from iqor.
"lloyds tsb have passed your debt to iQor to recover outstanding balance in full. If i do not take action to resolve this matter immdeiatly, then we may commence legal action, yada yada yada.." Shall I send them Account Sold whilst in Dispute?
Account in dispute sent
20 august, letter received from gpb solicitors:
We have been contacted by Iqor in relation to monies owed to Lloyds tsb.
If full payment, or your proposals for payment are not received within 10 days from the date of this letter (13th august- wtf!!?!) it is likely that we will be instructed to commence legal proceedings against you.
Please note we are NOT to enter into correspondence with you at this stage but to refer the matter to Iqor. Please contact them directly to avoid the necessity of such action
Pffft! what do i reply with chaps? and do i send to GPB or Iqor? Iqor ignored my last letter, why should I pay any more attention to GPB?
Threat-o-gram letter being sent to GPB 22nd august.

5th septLEGAL ACTION PENDING letter from GPB solicitors.

You have failed to pay this overdue debt and we have been instructed by Iqor to recover the sum due.
Full payment must be received within 7 days of the above date (29th august, so that ship has already sailed then!)otherwise a county court claim may be issued without further warning.
Then they go onthe kindly tell me how much court fees etc would add.

They clearly utterly ignored the threat-o-gram letter I sent, what do I send now chaps?

[Deepie]

Re: Angelsoxx's UE diary

They clearly utterly ignored the threat-o-gram letter I sent, what do I send now chaps?

I would send this if it were me---------> Threat by Creditor - To Commence Litigation

[angelsoxx]

Re: Angelsoxx's UE diary

Cheers In2deep, I'm on it :-)

[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"

23 july, letter from iqor.
"lloyds tsb have passed your debt to iQor to recover outstanding balance in full. If i do not take action to resolve this matter immdeiatly, then we may commence legal action, yada yada yada.." Shall I send them Account Sold whilst in Dispute?
Account in dispute sent
20 august, letter received from gpb solicitors:
We have been contacted by Iqor in relation to monies owed to Lloyds tsb.
If full payment, or your proposals for payment are not received within 10 days from the date of this letter (13th august- wtf!!?!) it is likely that we will be instructed to commence legal proceedings against you.
Please note we are NOT to enter into correspondence with you at this stage but to refer the matter to Iqor. Please contact them directly to avoid the necessity of such action
Pffft! what do i reply with chaps? and do i send to GPB or Iqor? Iqor ignored my last letter, why should I pay any more attention to GPB?
Threat-o-gram letter being sent to GPB 22nd august.

5th septLEGAL ACTION PENDING letter from GPB solicitors.

You have failed to pay this overdue debt and we have been instructed by Iqor to recover the sum due.
Full payment must be received within 7 days of the above date (29th august, so that ship has already sailed then!)otherwise a county court claim may be issued without further warning.
Then they go onthe kindly tell me how much court fees etc would add.

5th sept-threat by creditor sent.
13th sept, letter from GPB: WE HAVE PLACED YOUR ACCOUNT ON HOLD AND REFERRED THIS MATTER TO OUR CLIENT FOR INSTRUCTION.

[angelsoxx]

Re: Angelsoxx's UE diary

[QUOTE=angelsoxx;165322]lloyds credit card

Date commenced 2001/2004

Approx balance £1500

Date last paid full amount 2006

Was on plan, no longer paying

AIC handling account.

Feb 2012 cca sent

feb 2012 letter saying they had no cca, were requesting from lloyds

march default letter sent

march letter recieved apologising that I was unhappy with their service. No mention of CCA

[COLOR="DarkOrange"]Can't actually find anything which appears to link with this on my credit report ??![/COLOR

10th april CCA recieved, sent to Niddy

16th April big pile of statements from 2005 to date arrived. Noticed interest was stopped when payment plan started, but between Dec 2009 and Feb 2001 £271 interest added, then it stopped again.

Niddy says missing prescribed terms sent.

[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?

letter dated 29/09 Aswe haven't been able to agree a suitable repayment plan we've transfered you credit card debt to collection agency wescot credit services ltd
letter dated 4/10 from Wescot!NOTICE OF DEBT COLECTION we have been instructed by our client to collect the outstanding balance on their behalf. To avoid wescot taking further action you must:1, Pay the debt in full or 2. contact us on- Failure to do so will result in further recovery action.

What do you think chaps? Account sold in dispute??[/QUOTE]

[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"

23 july, letter from iqor.
"lloyds tsb have passed your debt to iQor to recover outstanding balance in full. If i do not take action to resolve this matter immdeiatly, then we may commence legal action, yada yada yada.." Shall I send them Account Sold whilst in Dispute?
Account in dispute sent
20 august, letter received from gpb solicitors:
We have been contacted by Iqor in relation to monies owed to Lloyds tsb.
If full payment, or your proposals for payment are not received within 10 days from the date of this letter (13th august- wtf!!?!) it is likely that we will be instructed to commence legal proceedings against you.
Please note we are NOT to enter into correspondence with you at this stage but to refer the matter to Iqor. Please contact them directly to avoid the necessity of such action
Pffft! what do i reply with chaps? and do i send to GPB or Iqor? Iqor ignored my last letter, why should I pay any more attention to GPB?
Threat-o-gram letter being sent to GPB 22nd august.

5th septLEGAL ACTION PENDING letter from GPB solicitors.

You have failed to pay this overdue debt and we have been instructed by Iqor to recover the sum due.
Full payment must be received within 7 days of the above date (29th august, so that ship has already sailed then!)otherwise a county court claim may be issued without further warning.
Then they go onthe kindly tell me how much court fees etc would add.

5th sept-threat by creditor sent.
13th sept, letter from GPB: WE HAVE PLACED YOUR ACCOUNT ON HOLD AND REFERRED THIS MATTER TO OUR CLIENT FOR INSTRUCTION.

4th oct Letter from iqor DOORSTEP COLLECTION NOTICE As you have failed yo come to a satisfactory arrangement with us, we have no alternative but to arrange for a doorstep collect to visit your home
Exciting!

My account was on hold last thing I heard, what do i respond with chaps?