onesteptoofar UE Diary

[MrsD]

Re: onesteptoofar UE Diary

is it exactly the same?, I'd pop it off to Niddy for a wee look

[onesteptoofar]

Re: onesteptoofar UE Diary

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 made until Sept '10 when i stopped all payments.
DCA - MKDP
Last correspondence - I sent an account sold in dispute letter to MKDP (sent sometime in 2013)
Sept '14 Letter received from MKDP by recorded delivery, including a copy of my signed CCA (previously checked by Niddy).

'Notice of intended legal action' received
...the full amount is now due and you are required to pay MKDP LLP. This letter constitutes a formal demand for payment....this letter requires your immediate attention. Unless full payment or a suitable payment plan is agreed within 14 days from date of this letter legal action to recover the debt may be taken against you without further warning and your liability for costs may increase'

Anything for me to send? This one seems serious...2 more years until it would have been statute barred....

[Deepie]

Re: onesteptoofar UE Diary

'Notice of intended legal action' received
...the full amount is now due and you are required to pay MKDP LLP. This letter constitutes a formal demand for payment....this letter requires your immediate attention. Unless full payment or a suitable payment plan is agreed within 14 days from date of this letter legal action to recover the debt may be taken against you without further warning and your liability for costs may increase'

Anything for me to send? This one seems serious...2 more years until it would have been statute barred....

• ------------ >Formal Letter Before Action Response

[onesteptoofar]

Re: onesteptoofar UE Diary

thanks Deepie, much appreciated

I tried following the link, do you need a seperate login for the templates nowadays?

[cymruambyth]

Re: onesteptoofar UE Diary

Yes you need to re register using your same log in details as the ones to this site. If I remember it's a 99p donation via PayPal for verification.

[Undercover Elsa]

Re: onesteptoofar UE Diary

No there's no fee for templates (that's just a token payment for access to the secure Legal Claims area, for security purposes to prove ID)

Just register with exactly the same user ID, password and email address you use for the forums. Then remember to activate it by clicking the link in the acknowledgement email you will get

[onesteptoofar]

Re: onesteptoofar UE Diary

Thanks for the replies. Makes things easier knowing I'm not fighting the battle on my own

[cymruambyth]

Re: onesteptoofar UE Diary

No there's no fee for templates (that's just a token payment for access to the secure Legal Claims area, for security purposes to prove ID)

Just register with exactly the same user ID, password and email address you use for the forums. Then remember to activate it by clicking the link in the acknowledgement email you will get

Oops, sorry for giving slightly wrong information :

[onesteptoofar]

Re: onesteptoofar UE Diary

• ------------ >Formal Letter Before Action Response

Hi,

Is the Formal Letter Before Action Response template the right one to send?

I received a signed copy of my CCA by recorded delivery in September (admittedly the letter wasn't signed for,so the postman just left it).

Just checking before i post

Thanks in advance

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Yep send that. If it has a part about cca and its not relevant, edit to suit.

[onesteptoofar]

Re: onesteptoofar UE Diary

Nice one, I will edit. Thanks Niddy

[onesteptoofar]

Re: onesteptoofar UE Diary

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

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

Last correspondence I sent:
Account sold in dispute letter to IQOR, the last known DCA
Last correspondence received: Letter received from Restons
'We are attempting to contact the above named person regarding a personal matter and we have been provided your address as a possible address for our subject/customer.......please contact....' No reference to the Lloyds loan at all.

Letter received from Arrow Global notifying that Restons will no longer be managing the account....Wescot Credit Services Ltd are now managing the account.

Sitting tight...unless advised otherwise

[Grassy_K]

Re: onesteptoofar UE Diary

Letter received from Arrow Global notifying that Restons will no longer be managing the account....Wescot Credit Services Ltd are now managing the account.

Sitting tight...unless advised otherwise

I'd rather have Wetcloths dealing with it than Rectums

[ScabHunter]

Re: onesteptoofar UE Diary

I'd rather have Wetcloths dealing with it than Rectums

Never a truer word spoken. This has gone from a potentially dangerous enemy to a completely useless one.

Sit tight and wait for their first letter, but have a glass of something to celebrate while you're waiting.

SH

[onesteptoofar]

Re: onesteptoofar UE Diary

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

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

Last correspondence I sent:
Account sold in dispute letter to IQOR, the last known DCA
Last correspondence received: Letter received from Arrow Global-Lloyds TSB notifying the debt had been passed to Wescot.

Received a letter from Wescot 'reduced settlement offer'.

'we have written to you on several occasions asking you to contact us but have not received a response. In an attempt to close this matter our client has agreed to offer you a discount to settle your account'


Anything to send?