Squirrelnutkin UE Diary

[Squirrelnutkin]

Re: Squirrelnutkin UE Diary

Hi there...could anyone help me with the above please? Capital One have now started ringing me (up until 9 o'clock at night). Am not answering obviously!

[Squirrelnutkin]

Re: Squirrelnutkin UE Diary

Hi there

Capital One

My accounts have all been "asleep" for a long time but have recently had some contact from Capquest regarding the Capital One account. I received a letter from them dated 12th March as follows:

"Thank you for your recent correspondence" (I had not written to them!)

"Capital One have advised us that they responded to your section 78 dispute on 11th November 2013 with their final response that the Section 78 agreement has been supplied correctly. (I did not receive this if indeed it was sent)

If your dispute is in regards to another matter, then please can you forward us full details of your dispute so we can forward this to Capital One for their response."

I ignored this since I had not been in touch with them for a long time.

I yesterday received a letter from Capquest dated 29th May.

They state that:

"As the legal owners of this account we are able to obtain regular updates from the credit reference bureaux regarding your current financial position. We use this data to evaluate what steps should be tkaen to get your account onto a paying status and assist you in repairing your credit file.

These updates include the following information about you

1. Bank account balances.
2.Credit and store card account balances and available credit
3.Details of unsecured loans and other credit agreements.
4.Mortgage and secured loan details.

We will use financial updates from the bureaux in conjunction with other factors in determining our recovery strategy, which may include legal action.

Alternatively, by working together, we can find a solution that will save your money, improve your credit rating and remove the possibility of legal action being taken. You do not have to pay the full balance immediately; we will work with you to agree an acceptable arrangement. We can offer you a large discount for a one off settlement which will settle this account and update your credit file as part settled.

We will need you to contact us by 12th June to discuss the opportunities further."

As you can see from the diary for this account above, Niddy declared this account UE as result of the document Capital One sent me in September 2010.

I am just wondering how I should respond. (The offer of settling the account is not an option).

[Deepie]

Re: Squirrelnutkin UE Diary

Any news ?

[Squirrelnutkin]

Re: Squirrelnutkin UE Diary

Many thanks In 2 Deep... I have sent that today.

[Deepie]

Re: Squirrelnutkin UE Diary

Hi everyone

I have not had cause to bother you for a very long time as my creditors strangely all went very quiet!

Barclaycard have still not supplied a copy of the CCA. Recently they passed the account over to Lowell who sent the usual routine letters requesting payment and bombarded me with phone calls, none of which I answered.

I today received a letter from Red Debt Collection Services:

"We are Red Debt Collection Services and we are instructed to collect the money you owe to Lowell. You must now pay us £3141.

We specialise in assessing accounts for litigation and will be obtaining a copy of your credit file in order to review your financial circumstances and the information within it will help us determine the best way to recover what you owe.

You can avoid this by calling etc

If you do no repay what you owe you could risk legal action being taken. We may decide to apply to the Count Court for a Judgement against you. Etc" You get the gist...

My question is, do I need to respond to this and if so with which letter?

Many thanks

I would send this if it were me--------> Account Sold whilst in Dispute

[Squirrelnutkin]

Re: Squirrelnutkin UE Diary

Hi everyone

I have not had cause to bother you for a very long time as my creditors strangely all went very quiet!

Barclaycard have still not supplied a copy of the CCA. Recently they passed the account over to Lowell who sent the usual routine letters requesting payment and bombarded me with phone calls, none of which I answered.

I today received a letter from Red Debt Collection Services:

"We are Red Debt Collection Services and we are instructed to collect the money you owe to Lowell. You must now pay us £3141.

We specialise in assessing accounts for litigation and will be obtaining a copy of your credit file in order to review your financial circumstances and the information within it will help us determine the best way to recover what you owe.

You can avoid this by calling etc

If you do no repay what you owe you could risk legal action being taken. We may decide to apply to the Count Court for a Judgement against you. Etc" You get the gist...

My question is, do I need to respond to this and if so with which letter?

Many thanks

[Never-In-Doubt]

Re: Squirrelnutkin UE Diary

Hope you're having a nice break - forget the debts and all that!

[Squirrelnutkin]

Re: Squirrelnutkin UE Diary

Many thanks in 2 deep and Mustgetstraight

Will send it off and try to forget about all this for a while...at least until I get back

[Deepie]

Re: Squirrelnutkin UE Diary

Thank you In 2 deep

Can I just double check that I should send that one, as I don't believe account has been sold as Wescot are still referring to their "client" so presumably they are acting on behalf of Mint?

Thanks again.

By the way I am away for 2 weeks after tomorrow, so does anything need sending urgently on this one?

Just send that it will be fine, go away and have a good time don't worry

[MustGetStraigh]

Re: Squirrelnutkin UE Diary

Thank you In 2 deep

Can I just double check that I should send that one, as I don't believe account has been sold as Wescot are still referring to their "client" so presumably they are acting on behalf of Mint?

Thanks again.

By the way I am away for 2 weeks after tomorrow, so does anything need sending urgently on this one?

I have only got one of my debts that's actually been sold, but I still send "Account Sold" to any new DCA that emerges from the swamp to have a go. Generally after a few Niddy letters they go back to the swamp and a new one emerges... but hey.
Hope that helps.

[Squirrelnutkin]

Re: Squirrelnutkin UE Diary

Thank you In 2 deep

Can I just double check that I should send that one, as I don't believe account has been sold as Wescot are still referring to their "client" so presumably they are acting on behalf of Mint?

Thanks again.

By the way I am away for 2 weeks after tomorrow, so does anything need sending urgently on this one?

[Deepie]

Re: Squirrelnutkin UE Diary

Hi everyone...

Yet another letter arrived from Wescot today, in respect of Mint.

It is headed Final Notice and reads:

"Our latest enquiries have now confirmed that you are still resident at his address but we have not received a reply to our previous correspondence.

Unless you contact us to agree repayment of £3,458.76 within the next 10 days, further activity will be taken to recover the full outstanding balance.

Please do not ignore this letter as this could result in further action being taken to recover the debt, which may include:

1 Either us or our client taking legal action against you through the courts. If legal proceedings are issued and a judgement or Decree is obtained against you, court fees and legal costs could increase the amount you owe.

2 Referring your debt to a Door Step Collection Agency to carry out a Collections Visit at your home.

Yours etc"

Can I ignore this one too?

Send this > Account Sold whilst in Dispute

[Squirrelnutkin]

Re: Squirrelnutkin UE Diary

Hi everyone...

Yet another letter arrived from Wescot today, in respect of Mint.

It is headed Final Notice and reads:

"Our latest enquiries have now confirmed that you are still resident at his address but we have not received a reply to our previous correspondence.

Unless you contact us to agree repayment of £3,458.76 within the next 10 days, further activity will be taken to recover the full outstanding balance.

Please do not ignore this letter as this could result in further action being taken to recover the debt, which may include:

1 Either us or our client taking legal action against you through the courts. If legal proceedings are issued and a judgement or Decree is obtained against you, court fees and legal costs could increase the amount you owe.

2 Referring your debt to a Door Step Collection Agency to carry out a Collections Visit at your home.

Yours etc"

Can I ignore this one too?

[Squirrelnutkin]

Re: Squirrelnutkin UE Diary

Ok thank you

[Deepie]

Re: Squirrelnutkin UE Diary

Just ignore both for now