onesteptoofar UE Diary

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Hi Niddy,

Letter received from Moorcroft..."Unfortunately Moorcroft is no longer responsible for collection activity on this account. The account has been returned to our clients and we would ask that you refer all future correspondence directly to them"

Sit back and wait for the postman...?

Yep see what happens next here

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Hi Niddy,

I've received a couple of letters from Credit Security Limited in the last week.

"We agreed to hold your account for a period of time which has now lapsed....require a repayment proposal in the next 7 days..."

and a reply to my final response letter.

"We confirm we have requested a copy of your credit agreement which will be forwarded to you as soon as it is available. You are in receipt of statements relating to the account and we would ask you to provide us with full details of your dispute. Please confirm whether you acknowledge opening an account with our client in your name and confirm the balance according to your records. If you consider the account is the subject of fraud please advise us accordingly.

We look forward to receiving the information requested in order our clients may consider the position further"

Anything to send Niddy?

Just ignore - its fine.......

[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.

Last correspondence I sent:

Final Response - Unenforceability (CCA Received)

Hi Niddy,

Letter received from Moorcroft..."Unfortunately Moorcroft is no longer responsible for collection activity on this account. The account has been returned to our clients and we would ask that you refer all future correspondence directly to them"

Sit back and wait for the postman...?

[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, then back with Lloyds themselves...now appears back with Credit Security Limited

Have not made any token £1 payments since Sept 2010. No response to my offer of f+f made in Sept '10.
Current Status - Last letter they received from me > Final Response - Unenforceability (CCA Received)

Hi Niddy,

I've received a couple of letters from Credit Security Limited in the last week.

"We agreed to hold your account for a period of time which has now lapsed....require a repayment proposal in the next 7 days..."

and a reply to my final response letter.

"We confirm we have requested a copy of your credit agreement which will be forwarded to you as soon as it is available. You are in receipt of statements relating to the account and we would ask you to provide us with full details of your dispute. Please confirm whether you acknowledge opening an account with our client in your name and confirm the balance according to your records. If you consider the account is the subject of fraud please advise us accordingly.

We look forward to receiving the information requested in order our clients may consider the position further"

Anything to send Niddy?

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Oooh been quiet here for last couple of weeks....

Lets hope it continues

[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, then back with Lloyds themselves...now appears back with Credit Security Limited

Have not made any token £1 payments since Sept 2010. No response to my offer of f+f made in Sept '10.
Current Status - Last letter they received from me - Threat of Legal Action & Refusal of Doorstep Visit

Final Response - Unenforceability (CCA Received) letter posted. Thanks Niddy

[onesteptoofar]

Re: onesteptoofar UE Diary

Well we could go in with a silly offer of say £300 - or as above, send one of these: Final Response - Unenforceability (CCA Received)

Up to you really, let us know.....

Letter posted. Thanks Niddy

[onesteptoofar]

Re: onesteptoofar UE Diary

What is the write off figure, out of interest?

Hi Niddy,

The transactions crediting on the statement have two different abbreviations. I have rounded each to a nearby number. The balance starts at £7500 but ends at £0 after these transactions:

WRT £6500
WARR £1000

Both transactions have a comment "write off..." The ... comments are there as the page cuts off on my printout! grrr

At a guess could one be a write off amount, and the other the amount the debt was sold for??

There is another transaction debiting £28.07, this also has a comment "write off..." This one comes under "INDV"

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Amount repaid to date over 17k!! It also has an entry where you can see "write off written next to the final three credits from 2009!

What is the write off figure, out of interest?

[Never-In-Doubt]

Re: onesteptoofar UE Diary

In addition to the two letters received from Moorcroft detailed at the top of this page i have received another today..

I feel like a popstar with all these fanmails from them!

Discount Offer...

"disappointed that despite numerous attempts to contact me so agreement has been reached....in one last attempt to come to an arrangement to prevent the possibility of court action being recommended our cleint has informed us they may be able to offer a substantial discount from the outstanding balance.....within the next 14 days...we will not pursue the remaining balance of the debt..."

Any ideas on this or any of this weeks Moorcroft gems?

Well we could go in with a silly offer of say £300 - or as above, send one of these: Final Response - Unenforceability (CCA Received)

Up to you really, let us know.....

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Hi Niddy,

I'm still happy to continue waiting but equally able to go down the f+f route if things get awkward.

Happy to listen to your advice and trust your judgement.

I've come this far!

onesteptoofar

Ok, thanks for clarifying - based on your reply, send them this yea: Final Response - Unenforceability (CCA Received)

[onesteptoofar]

Re: onesteptoofar UE Diary

loyds 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.

Last correspondence I sent:

Threat by Creditor - To Commence Litigation

followed by...

Harassment & Threat of Doorstep-Visit

In addition to the two letters received from Moorcroft detailed at the top of this page i have received another today..

I feel like a popstar with all these fanmails from them!

Discount Offer...

"disappointed that despite numerous attempts to contact me so agreement has been reached....in one last attempt to come to an arrangement to prevent the possibility of court action being recommended our cleint has informed us they may be able to offer a substantial discount from the outstanding balance.....within the next 14 days...we will not pursue the remaining balance of the debt..."

Any ideas on this or any of this weeks Moorcroft gems?

[onesteptoofar]

Re: onesteptoofar UE Diary

Are you still able to make a F&F if things get nasty or happy to continue waiting....?

Hi Niddy,

I'm still happy to continue waiting but equally able to go down the f+f route if things get awkward.

Happy to listen to your advice and trust your judgement.

I've come this far!

onesteptoofar

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Letter received from Credit Security Limited writes....we write further to your recent communication and have pleasure in enclosing a statement of account. We trust the position has now been clarified and require a payment and settlement proposal within 7 days in order to resolve this matter without further delay..."

Included with the letter are printouts of the account statements from a screen shot detailing repayments made and balance outstanding.

Amount repaid to date over 17k!! It also has an entry where you can see "write off written next to the final three credits from 2009!

Any advice on my next step?

Are you still able to make a F&F if things get nasty or happy to continue waiting....?

[Deepie]

Re: onesteptoofar UE Diary

You got in before me in2deep. I had to answer the phone in the middle of replying.

Any excuse