Angelsoxx's UE diary

[angelsoxx]

Re: Angelsoxx's UE diary

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.

No, I haven't.
I suspect the issue is that they doubt have a damned clue what they are doing.

I'll send them a copy of the original cca I sent lloyds, and also another account sold in dispute.
And I'll thank them to actually have all the facts in place before they try to extort money from me and I more consider this matter closed.

[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?

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 in 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

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?

Jan 1013
got a cca sent to me, AM trying to get a decent scan to send to Niddyk.. fingers crossed it's UE!
It's a bit odd as it's for the combining of a loan and credit card into one loan,this started as one credit card and kind of grew, am sending them an advanced SAR, but do i send it to arse europe or to arrow??

Letter dated 14th jan from Arse europe. Our client has confirmed that your cca request has been dealt with and therefore we cannot hold your account indefinitely without an offer of token payment. Therefore can you provide us with full financial statement... unless payment made within 14 days along with a firm offer to clear the rest of the balancewe will notify our client... furter action...
Niddy has advised that the SAR should be sent to Egg, so do i write back to arse to let them know this is happening or do i ignore them?

Also, Arrow own the debt now.

[ScabHunter]

Re: Angelsoxx's UE diary

What has Niddy said about the CCA?

To be honest, I would do the same thing whether it is enforceable or not. If it is, then blag it.

I would send -

Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms


Don't worry about telling Arse Europe about the SAR. Absolutely no reason why they would need to know. If it had any effect, it might even speed up their efforts to harass as they would want to get a payment out of you before you received the pack.

SH

[angelsoxx]

Re: Angelsoxx's UE diary

What has Niddy said about the CCA?

To be honest, I would do the same thing whether it is enforceable or not. If it is, then blag it.

I would send -

Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms


Don't worry about telling Arse Europe about the SAR. Absolutely no reason why they would need to know. If it had any effect, it might even speed up their efforts to harass as they would want to get a payment out of you before you received the pack.

SH

Thanks, I'll get that sorted. ANyone got an address for egg for the SAR?

[Deepie]

Re: Angelsoxx's UE diary

Thanks, I'll get that sorted. ANyone got an address for egg for the SAR?

Data Controller
EGG BANKING PLC
CITIGROUP CENTRE
33 CANADA SQUARE
LONDON
E14 5LB

[Never-In-Doubt]

Re: Angelsoxx's UE diary

Not great quality but deffo worth blagging. I'd consider doing what is suggested above for now.

Sorry for delay.

[angelsoxx]

Re: Angelsoxx's UE diary

Thanks everyone, am sending the missing prescribed terms to arse and the SAR to egg today.

Niddy, when you said "not great quality" did you mean the CCA i was sent?

[Never-In-Doubt]

Re: Angelsoxx's UE diary

Thanks everyone, am sending the missing prescribed terms to arse and the SAR to egg today.

Niddy, when you said "not great quality" did you mean the CCA i was sent?

Yea sadly it's poor but still, send off missing PT's and see what they send back

[angelsoxx]

Re: Angelsoxx's UE diary

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.

letter dated 24th jan from advantis- they're new! "Our client has instructed us to undertake debt recovery action against you" blah, blah, 7 days, blh blah further action.
Account sold in dispute letter??

[Never-In-Doubt]

Re: Angelsoxx's UE diary

letter dated 24th jan from advantis- they're new! "Our client has instructed us to undertake debt recovery action against you" blah, blah, 7 days, blh blah further action.
Account sold in dispute letter??

Sounds a plan - send that

[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?

Jan 1013
got a cca sent to me, AM trying to get a decent scan to send to Niddyk.. fingers crossed it's UE!
It's a bit odd as it's for the combining of a loan and credit card into one loan,this started as one credit card and kind of grew, am sending them an advanced SAR, but do i send it to arse europe or to arrow??

Letter dated 14th jan from Arse europe. Our client has confirmed that your cca request has been dealt with and therefore we cannot hold your account indefinitely without an offer of token payment. Therefore can you provide us with full financial statement... unless payment made within 14 days along with a firm offer to clear the rest of the balancewe will notify our client... furter action...
Niddy has advised that the SAR should be sent to Egg, so do i write back to arse to let them know this is happening or do i ignore them?

25 jan- Advanced Sar being sent to Egg, missing prescribed terms to arse europe.

letter dated 18th feb from canada square operations: thank you for your SAR, however, the letter you enclosed was not signed therefore we have not been able to fulfil your request.

They then go on to say that if the name or address details relating to the account have changed and they have not been previously advised they will need to see documentary evidence of this change and then list acceptable documentary evidence.
Once we are in receipt of the payment and relevant documentary evidence you'll receive your information within 40 calendar days

Eh? so they start off saying they need a signature, then they say IF info has changed we need proof, then finish off by stating they need proof and money... Enclosed with this letter was a copy of my original sar and photocopy of the cheque (signed by o/h).

Eeeeerrr........

[ken100464]

Re: Angelsoxx's UE diary

Another old Egg account.

Think Niddy is going to get inundated with Egg paperwork over the next couple of months.

[angelsoxx]

Re: Angelsoxx's UE diary

Any advise on how to respond gratefully received!

[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
Excitingletter 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.

letter dated 19th jan from crapquest-our client has requested that we contact you to advise that a settlement figure is now available on your account HA!

letter dated 23 jan, account on hold while under investigation

28th march-More lovely letters from Crapquest we note with regret you have chosen not to deal with this matter despite our previous communications. It is therefore our intention to progress your account for a pre-litigation review, You account may be passed to our solicitors who may commence legal action on or around 01 april 2013

Firstly- THEY MAKE THEM WORK HOLIDAY MONDAY??! SCUMBAGS!!!!!
How should i respond to this, the CCA from lloyds is a UE recon, crapquest don't seem to have a clue. Suggestions??

Happy easter everybody