onesteptoofar UE Diary

[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......

[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

Hi Niddy,

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

Just ignore?

onesteptoofar

Yes, ignore it

[midastouch]

Re: onesteptoofar UE Diary

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

[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

[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

[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!

[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

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: 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

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

[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.

[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

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

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?