onesteptoofar UE Diary

[onesteptoofar]

Re: onesteptoofar UE Diary

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

Hi Niddy,

Its the annual statement from Lloyds stating that i am in arrears.

Just ignore?

onesteptoofar

[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? 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!

Hi Niddy,

Many thanks for your replies.

I just have the envelope with no stamp and the postage unpaid amount and handling fee sticker on...but getting expenses retrieved sounds good..

Further to this i've received a letter from Midas Credit Services on behalf of Moorcroft...litigation warning..we are are that you have failed to reach a repayment agreement with Moorcroft...failure to contact by 24/06/11 will result in legal proceedings without further notice...

Anything to send?

onesteptoofar

[midastouch]

Re: onesteptoofar UE Diary

Have you checked your default notice on the LTSB credit card account?

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Hi Niddy,

Its the annual statement from Lloyds stating that i am in arrears.

Just ignore?

onesteptoofar

Yes, ignore it

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Hi Niddy,

Many thanks for your replies.

I just have the envelope with no stamp and the postage unpaid amount and handling fee sticker on...but getting expenses retrieved sounds good..

Further to this i've received a letter from Midas Credit Services on behalf of Moorcroft...litigation warning..we are are that you have failed to reach a repayment agreement with Moorcroft...failure to contact by 24/06/11 will result in legal proceedings without further notice...

Anything to send?

onesteptoofar

Ok, for the moment send this back: Threat by Creditor - To Commence Litigation

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Have you checked your default notice on the LTSB credit card account?

This will be handy if they try and enforce it......

[onesteptoofar]

Re: onesteptoofar UE Diary

This will be handy if they try and enforce it......

I'll need to re-activate one of the credit check accounts. No problem doing this if it'll be worthwhile for a month?

[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.

Ok, for the moment send this back: Threat by Creditor - To Commence Litigation

My last letters were from/replying to Midas who were acting on behalf of Moorcroft... 'Threat by Creditor - To Commence Litigation' letter. I'd be certain that this has crossed in the post.

Given that my last litigation warning was from Midas, I have now received another letter from Moorcroft...

Home Collections Division...You have not made any payments to us so we have now passed your account to our home collections division...this may involve a local representative calling at your home address in the near future to seek to establish how you will pay the balance...


Just sit and wait? Or is there something more i could send to Moorcroft?

[Angry Cat]

Re: onesteptoofar UE Diary

Send the Trespass Rule letter.

[PlanB]

Re: onesteptoofar UE Diary

Send the Trespass Rule letter.

Sorry to be so dumb (and I'm not even blond) but what is the "Trespass Rule Letter" please. Thank you.

[Angry Cat]

Re: onesteptoofar UE Diary

Sorry to be so dumb (and I'm not even blond) but what is the "Trespass Rule Letter" please. Thank you.

In layman's terms:
Threat of Visit!

[PlanB]

Re: onesteptoofar UE Diary

In layman's terms:
Threat of Visit!

Sorted. Thank you.

[Never-In-Doubt]

Re: onesteptoofar UE Diary

This template here: Harassment & Threat of Doorstep-Visit

[onesteptoofar]

Re: onesteptoofar UE Diary

This template here: Harassment & Threat of Doorstep-Visit

Letter sent. Thanks again Niddy you are a star!

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Letter sent. Thanks again Niddy you are a star!

Best of luck, keep us updated