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?

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??

Letter from wescot dated 18/oct:
we refer to your recent communictaion. Having contacted out client they have advised they have no record of recieving a consumer credit act for this account.
In the circumstance, we belive the dispute has now been resolved and the full balance or an agreed monthly instalment is required by return. blah blah blah
If in the event you believe you still have a valid dispute, please contact us with the details within the next 14 days otherwise your account will be returned to our recovery team for collection[/QUOTE]


Shall I send them a copy of the letter lloyds sent me on receipt of the CCA they are denying ever receiving? Jog their memory a bit?

[Deepie]

Re: Angelsoxx's UE diary

[/COLOR]

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??

Letter from wescot dated 18/oct:
we refer to your recent communictaion. Having contacted out client they have advised they have no record of recieving a consumer credit act for this account.
In the circumstance, we belive the dispute has now been resolved and the full balance or an agreed monthly instalment is required by return. blah blah blah
If in the event you believe you still have a valid dispute, please contact us with the details within the next 14 days otherwise your account will be returned to our recovery team for collection

Shall I send them a copy of the letter lloyds sent me on receipt of the CCA they are denying ever receiving? Jog their memory a bit?[/QUOTE]


I would............but leave it 10 days

[angelsoxx]

Re: Angelsoxx's UE diary

Shall I send them a copy of the letter lloyds sent me on receipt of the CCA they are denying ever receiving? Jog their memory a bit?

I would............but leave it 10 days [/QUOTE]

I am busy as all hell right now...

[angelsoxx]

Re: Angelsoxx's UE diary

So along the lines of..

Enclosed, please find a copy of the letter and reconstituted CCA agreement lloyds sent me in response to my CCA request.

In the light of the fact that they are unable to provide an ACTUAL CCA, and have even forgotten they responded to my request for one, I think we can safely say they don't know what the hell they're talking about and they can go swing for the money they are trying to get from me.
Love n'hugs!

[angelsoxx]

Re: Angelsoxx's UE diary

Lloyds (previously morgan stanley)

Start Date 03/11/2003

Approx balance £1080

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!

letter dated 24 nov 2012 : capquest, threatening possivle doorstep visits and possible litigation. Afraid I didn't respond at the time- lot of stuff happening at home which i deemed more important.
29th dec 2012 letter from hl legal solicitors capquest debt recovery ltd gas appointed us on behalf of ltsb. TAKE NOTICE THAT unless this account is paid in full or a satisfactory proposal for settlement is received by 7 jan 13 9court proceedings may be issused against you without further notice. in the event that court proceedings are necessary... They want me to pay/contact capquest, so shall i send capquest an Account sold in dispute?

jan 2013

letter from capquest:
we have recieved your request for a copy agreement.please be advised that this document will only be provided to you if the request is submitted under the terms of the consumer credit act 1974.
they go on to ask me for £1 and to sign my request.

so, how do i respond to this?
21 jan sending them this:
With reference to your letter dated 4th jan 2013, in which you advise me that you have recieved my request for a copy agreement, please find enclosed a copy of the CCA request I sent to Lloyds TSB an March 2012 along with a cheque for £1,
Please now turn your attention to the last letter which you recieved from me, which notified you that this account has been sold in dispute, and, this time, read it properly.

I do net expect to hear from you again.

[angelsoxx]

Re: Angelsoxx's UE diary

letter dated 24 nov 2012 : capquest, threatening possivle doorstep visits and possible litigation. Afraid I didn't respond at the time- lot of stuff happening at home which i deemed more important.
29th dec 2012 letter from hl legal solicitors capquest debt recovery ltd gas appointed us on behalf of ltsb. TAKE NOTICE THAT unless this account is paid in full or a satisfactory proposal for settlement is received by 7 jan 13 court proceedings may be issused against you without further notice. in the event that court proceedings are necessary... They want me to pay/contact capquest, so shall i send capquest an Account sold in dispute?

Hope everyone had a fab christmas!

[Deepie]

Re: Angelsoxx's UE diary

letter dated 24 nov 2012 : capquest, threatening possivle doorstep visits and possible litigation. Afraid I didn't respond at the time- lot of stuff happening at home which i deemed more important.
29th dec 2012 letter from hl legal solicitors capquest debt recovery ltd gas appointed us on behalf of ltsb. TAKE NOTICE THAT unless this account is paid in full or a satisfactory proposal for settlement is received by 7 jan 13 court proceedings may be issused against you without further notice. in the event that court proceedings are necessary... They want me to pay/contact capquest, so shall i send capquest an Account sold in dispute?

I would send this to HL Legal if it were me...> Threat by Creditor - Threat-o-Gram Letter Before Action

[angelsoxx]

Re: Angelsoxx's UE diary

How about i send them both letters?

[Deepie]

Re: Angelsoxx's UE diary

How about i send them both letters?

Tailor it to your needs ..........

[angelsoxx]

Re: Angelsoxx's UE diary

letter dated 24 nov 2012 : capquest, threatening possivle doorstep visits and possible litigation. Afraid I didn't respond at the time- lot of stuff happening at home which i deemed more important.
29th dec 2012 letter from hl legal solicitors capquest debt recovery ltd gas appointed us on behalf of ltsb. TAKE NOTICE THAT unless this account is paid in full or a satisfactory proposal for settlement is received by 7 jan 13 9court proceedings may be issused against you without further notice. in the event that court proceedings are necessary... They want me to pay/contact capquest, so shall i send capquest an Account sold in dispute?

jan 2013

letter from capquest:
we have recieved your request for a copy agreement.please be advised that this document will only be provided to you if the request is submitted under the terms of the consumer credit act 1974.
they go on to ask me for £1 and to sign my request.

so, how do i respond to this?

right pain-laptop has died, very tricky doing anything!

[ScabHunter]

Re: Angelsoxx's UE diary

Did you send £1 with the original request? If so, you certainly don't need to send another one.

Sections 77-79 CCA 1974 do NOT demand signatures from those making requests. Some alleged creditors (Crapital One, GnatPest) have been demanding signatures from everyone just to be bloody minded and awkward, but there is always the possibility that the signature is “required” for an entirely different purpose.

What you should send back depends on what you sent before. Was it a proper request with £1 included?

SH

[angelsoxx]

Re: Angelsoxx's UE diary

yep, full and proper request inc £1, and i did in fact receive a UE cca!

[angelsoxx]

Re: Angelsoxx's UE diary

post 123 has all the info and dates :-)

[MrsD]

Re: Angelsoxx's UE diary

I would do a wee one liner referring them to your sold in dispute, they obviously haven#t read it and some eejit pressed the wrong button

[Still Waving]

Re: Angelsoxx's UE diary

jan 2013

letter from capquest:
we have recieved your request for a copy agreement.please be advised that this document will only be provided to you if the request is submitted under the terms of the consumer credit act 1974.
they go on to ask me for £1 and to sign my request.

so, how do i respond to this?

Have you sent a request for a copy of the agreement subsequent to receiving a UE one from Lloyds back in March? I'm not clear why Capquest are now saying they have received a request for one.