onesteptoofar UE Diary

[MrsD]

Re: onesteptoofar UE Diary

this could go on and on................

[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.
Letter received from MKDP apologising they are unable to resolve my query at this time and are liaising with the original creditor...

Another letter received from MKDP apologising they are unable to resolve my query at this time and are liaising with the original creditor, so i'm sitting tight

[onesteptoofar]

Re: onesteptoofar UE Diary

Thanks Niddy. I'll keep sitting tight

[Never-In-Doubt]

Re: onesteptoofar UE Diary

To update on this, nothing received as yet...

Excellent

It will be 6 years since my last payment in July. I'm assuming i wait until July, then send a statute barred letter. Is this right?

Nooooo - you hold out till July then ignore everyone, till they get heavy at which point you THEN tell them it's SB. Play the game, don't rush in.... If you last paid July then it will be SB in August - SB is usually one month after the first missed/due payment.

If someone told me this was how things would work out six years ago i would never have believed them. Thanks again to Niddy

Keep everything crossed

[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".

To update on this, nothing received as yet...

It will be 6 years since my last payment in July. I'm assuming i wait until July, then send a statute barred letter. Is this right?

If someone told me this was how things would work out six years ago i would never have believed them. Thanks again to Niddy

[onesteptoofar]

Re: onesteptoofar UE Diary

I'd send a one liner just simple

I refer to the letter of blah blah digned for in your office on blah blah

this matter has not been addressed by you nitwits

yours

onestep

thanks MrsD. posted. see what they come back with next.

[MrsD]

Re: onesteptoofar UE Diary

I'd send a one liner just simple

I refer to the letter of blah blah digned for in your office on blah blah

this matter has not been addressed by you nitwits

yours

onestep

[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 until Sept 2010
Default - Nov 2009
DCA - Capquest
Last correspondence - I sent Capquest an account sold in dispute letter

Two letters received from capquest.
- An offer to settle, hoping i seriously consider the proposal...
- One month later another letter. 'Letter of claim under the practice direction - pre-action conduct' regretting i haven't responded to their previous letter... Your account is being passed through our pre-action validations and checks....not aware of any disputes with the account...etc etc

It sounds to me like they are ignoring the swid letter. Should i resend this? Is there a stronger template to send given they are patently ignoring it.

Thanks in advance

[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.

Just an update on this one. Letter received from MKDP apologising they are unable to resolve my query at this time and are liaising with the original creditor...

Nothing for me to do here so i'm sitting tight

[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 > Lloyds > Robinson Way Ltd > IQOR > Lowell Financial

Last correspondance - After liasing with Lloyds in an effort to obtain this document we have been advised that it is no longer available due to the length of time since the account was opened...we are closing your account....at this time we have closed our file and will not make any further contact with you concerning payment against this account unless the copy of the agreement is received at some point in the future from Lloyds

Just to update on this one, I've received a letter notifying that the account is on hold whilst Lloyds locate my statements... I didn't ask for any statements, so it's on hold and there's nothing for me to do for now

[Pixie]

Re: onesteptoofar UE Diary

Then I'd send a new cca request off. I sent a cca request in November and I'm still waiting...

If other AADers get an assignment from CQ ask them to send a new s.78 / s.77 direct to CQ as soon as poss. They will issue a claim, they're proper bad

[onesteptoofar]

Re: onesteptoofar UE Diary

Have Capquest bought the debt? Might be an idea to send a new cca request.

Hi Pixie,

Yes, Capquest have bought the debt

[Pixie]

Re: onesteptoofar UE Diary

Have Capquest bought the debt? Might be an idea to send a new cca request.

[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 until Sept 2010
Default - Nov 2009
DCA - Capquest
Last correspondence from previous DCA - IQOR Recovery Services Ltd - threatened we MAY commence legal action
Last correspondence i sent to previous DCA - IQOR Recovery Services Ltd - Final Response - Unenforceability (CCA Received)

Letter received from Capquest - 'we are able to obtain regular updates from the credit reference bureaux regarding your current financial position...blah blah blah'

Ignore this one, or sent a SWID? Capquest have picked this up after IQOR dropped the ball in 2012, i've enjoyed not having any post

[onesteptoofar]

Re: onesteptoofar UE Diary

Sounds like a phishing letter. I'd ignore it.

Thanks Pixie, will ignore