onesteptoofar UE Diary

[onesteptoofar]

Re: onesteptoofar UE Diary

Nope, this is a pre-default notice so next you should get defaulted

Just ignore for now....

Hi Niddy,

Thanks for the reply. I'll ignore for now as advised, just a bit confused as i was defaulted on my credit file for this debt in Feb 2010. I am guessing they can't default me twice...ie, effectively make the default more upto date?

I had thought the default would disappear from my credit file 6 years after it was intially posted. Guess it could just be an automated letter fuck up from their end?

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Hi Niddy,

Thanks for the reply. I'll ignore for now as advised, just a bit confused as i was defaulted on my credit file for this debt in Feb 2010. I am guessing they can't default me twice...ie, effectively make the default more upto date?

I had thought the default would disappear from my credit file 6 years after it was intially posted. Guess it could just be an automated letter fuck up from their end?

How strange - can you please email me that letter so I can see it?

[onesteptoofar]

Re: onesteptoofar UE Diary

Hi Niddy,

Hope you are well.

The last month has flown by and i've still not scanned that letter for you...i've also had several more letters which i've buried my head in the sand about.

I'll pop on later this evening with a full update for each debt.

Frustrating today receiving a letter with no postage paid...went to the post office and paid £1.36 for another moorcroft demand

Catch you later,

onesteptoofar

[MustGetStraigh]

Re: onesteptoofar UE Diary

Hi Niddy,

Frustrating today receiving a letter with no postage paid...went to the post office and paid £1.36 for another moorcroft demand

Catch you later,

onesteptoofar

Are there no depths these people will sink to, to get money out of us?

[onesteptoofar]

Re: onesteptoofar UE Diary

Nationwide Loan
Nationwide Loan - 20k - Taken Sept 04
Enforceable CCA - Niddy checked
Outstanding balance - 7500
Default - Feb 2010
Last full payment made - August 2009
Token 1 pound payments have been made every month bar 2 since Sept 09 until Sept '10 when i stopped all payments.
DCA - Wescot
Current Status - No contact since they threatened to send a doorstep collector in November when i had two feet of snow outside!


Hi Niddy,

Letter received from Nationwide themselves. Notice of Sums in Arrears, formal demand for payment of the debt.

Any action to take?

No further correspondence from Nationwide. I'll scan and email Niddy a copy of the letter this week. I promise!

[onesteptoofar]

Re: onesteptoofar UE Diary

Lloyds Credit Card
Limit increased to 10k over the years - Taken July 05
Enforceable CCA - Niddy checked
Outstanding balance - 13500
Default - Nov 2009
Nothing paid since Sept 2009
DCA - Was Apex Credit Management, went back to Lloyds, now with Robinson Way Ltd
Current Status - Letter received from Robinson Way requesting immediate action.

"You have not paid the sum you owe. Until it is paid your account will not be closed but may still stay registered as an unpaid debt in your name. ....we urge you to settle your account and clear this up once and for all...

Advice on the next step? Time for a f+f offer? Or ignore for the moment?

[onesteptoofar]

Re: onesteptoofar UE Diary

Lloyds Account
Commenced pre-1998
Outstanding balance -2800
Token 1 pound payments made since end 2009
ACCOUNT HAD NOT YET DEFAULTED in Sept 2010, i have not checked if it has since this date
DCA - Moorcroft

Last payment made - token 1 pound payments ceased in Sept 2010

My last letters to Moorcroft were the 'Threat-o-gram' letter and the 'Threat by Lender/D.C.A - To commence litigation' letter.

Initially Moorcroft replied thanking me for the letter requesting a copy of the credit agreement. However under the Consumer Credit Act you must provide a 1 pound fee....

Guess they didn't even bother to read the letter...

I then received a letter received from Moorcroft 'We acknowledge receipt of recent correspondence with regards to the above account, your account is now on hold whilst we investigate this matter further with our client....'blah blah

Update: Letter received from Moorcroft "monthly installment offer" We are prepared to accept £120 per month... this was sent with no stamp, so i had to trek down to the post office and pay £1.36 to receive it!

Sit back and wait for their next effort? Or is there something else i can send?

[onesteptoofar]

Re: onesteptoofar UE Diary

Lloyds Loan - 20k - Taken July 2005
Enforceable CCA - Niddy checked
Outstanding balance - 7500
Last full payment made - June 2009
Token 1 pound payments made to relevant DCA's Oct 09-Present
Default - Nov 2009
DCA - The latest DCA was Credit Security Limited, now back with Lloyds themselves...

Have not made any token £1 payments since Sept 2010. No response to my offer of f+f made in Sept '10.
Current Status - Letters received in the last month, first from Credit Security Ltd offering to settle for 5200 as partial payment in full and final settlement.... this was ignored as the letter would have crossed in the post with the Niddy special - Threat of Legal Action & Refusal of Doorstep Visit

Update:

Letter received from Lloyds themselves details arrears at 7500. Any action you take?

[onesteptoofar]

Re: onesteptoofar UE Diary

Cahoot Loan - 9k - Taken July 2003
Outstanding balance - 9200
No CCA produced...but no contact either...so i'm not asking!
Last full payment made July 2008
Not paid anything since July 2008
No record on any credit file - Experian, CallCredit, Equifax
DCA - Last correspondence was received was from Debt Management and Recovery Services - Sept 08 "your account is being returned to Cahoot"
Current Status - No CCA produced. Waiting for "Statute Barred". ;- Niddy - just sit tight - leave it until you get contact of some sort!

Update: No news is good news

[onesteptoofar]

Re: onesteptoofar UE Diary

Quote:
Originally Posted by Never-In-Doubt View Post
Lloyds Credit Card
Limit increased to 10k over the years - Taken July 05
Enforceable CCA - Niddy checked
Outstanding balance - 13500
Default - Nov 2009
Nothing paid since Sept 2009
DCA - Was Apex Credit Management, went back to Lloyds, now with Robinson Way Ltd
Current Status - Letter received from Robinson Way requesting immediate action.

"You have not paid the sum you owe. Until it is paid your account will not be closed but may still stay registered as an unpaid debt in your name. ....we urge you to settle your account and clear this up once and for all...

Advice on the next step? Time for a f+f offer? Or ignore for the moment?

Another letter received from Robinson Way Ltd ***A QUICK WAY TO SOLVE A LONG OVERDUE PROBLEM***... we will allow you to make the affordable monthly payments of £30 per month...

How generous of them! At £30 pm it would only take me 37 1/2 yrs to clear.

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Advice on the next step? Time for a f+f offer? Or ignore for the moment?

Ignore for the moment i'd say..... wait they seem desperate to accept an offer

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Update: Letter received from Moorcroft "monthly installment offer" We are prepared to accept £120 per month... this was sent with no stamp, so i had to trek down to the post office and pay £1.36 to receive it!

Sit back and wait for their next effort? Or is there something else i can send?

In future don't do this, let the PO return it - however ignore this offer, we'll also be getting the £1.36 knocked off for you when we next write in to them so keep that receipt with what you paid, they will pay this along with £10 for travel expenses

Ignore for the moment though!

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Update:

Letter received from Lloyds themselves details arrears at 7500. Any action you take?

What have Lloyds said - or have they just sent the annual statement that they are meant to do?

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Update: No news is good news

Lots of updates for me though!

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Another letter received from Robinson Way Ltd ***A QUICK WAY TO SOLVE A LONG OVERDUE PROBLEM***... we will allow you to make the affordable monthly payments of £30 per month...

How generous of them! At £30 pm it would only take me 37 1/2 yrs to clear.

Ignore this, obviously!