onesteptoofar UE Diary

[Pixie]

Re: onesteptoofar UE Diary

Great news onesteptoofar

[Enforcer]

Re: onesteptoofar UE Diary

Brilliant News! Nice Xmas present for you.
Just hope that Marlin write to me with a similar letter. I already have written confirmation from Lloyds dated 5th May 2011 We have not been able to locate an agreement. Apparently this is due to retention periods!
Looks like the binned everything from before May 2004.

[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, went back to Lloyds, then Robinson Way Ltd, then IQOR Letter received from Lowell Financial, asking me to get in touch and agree a repayment plan...

After sending a sold in dispute letter and receiving several replies 'we are waiting for your credit agreement....we have not received a copy of your agreement from Lloyds yet'... i have today received a letter from Lowell.

'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'

I just have to wait until Sept 2015 then statute barred... fingers crossed

[onesteptoofar]

Re: onesteptoofar UE Diary

will do. thanks deepie

[Deepie]

Re: onesteptoofar UE Diary

currently renting from parent, sole tenant and likely to be that way for 2+ more years... old address post is going is my mothers home

If it were me then....I'd keep quite

[onesteptoofar]

Re: onesteptoofar UE Diary

currently renting from parent, sole tenant and likely to be that way for 2+ more years... old address post is going is my mothers home

[Deepie]

Re: onesteptoofar UE Diary

Another letter received from MKDP acknowledging the account sold in dispute letter and that they are still liasing with the original creditor.

Quick question - all of MKDP's correspondance is still going to an old family address and i'm getting it second hand as i haven't responded to any letters for a while.

Is there a way to get them to use my current address...or best left?

Are you renting or home owner...?

[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 have been made every month bar 2 since Sept 09 until Sept '10 when i stopped all payments.
DCA - MKRR

Another letter received from MKDP acknowledging the account sold in dispute letter and that they are still liasing with the original creditor.

Quick question - all of MKDP's correspondance is still going to an old family address and i'm getting it second hand as i haven't responded to any letters for a while.

Is there a way to get them to use my current address...or best left?

[onesteptoofar]

Re: onesteptoofar UE Diary

Thanks Pixie.

Posted

[Pixie]

Re: onesteptoofar UE Diary

Here you are onesteptoofar http://www.all-about-debt.co.uk/inde...lst-in-dispute

Templates tab at top of page ---> Unenforceability ---> Section 3: Additional Requests to Comply ---> Account Sold While in Dispute

[onesteptoofar]

Re: onesteptoofar UE Diary

Thanks MrsD

which is the sold in dispute template?

[MrsD]

Re: onesteptoofar UE Diary

if you are blagging this I'd get a sold in dispute off

[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, went back to Lloyds, then Robinson Way Ltd, then IQOR Letter received from Lowell Financial, asking me to get in touch and agree a repayment plan....

Letter received from Lowell Financial....

We recently wrote to you to let you know we have bought the outstanding debt from Lloyds.....you haven't agreed a repayment plan....phone us now...

Just ignore for the time being?

[onesteptoofar]

Re: onesteptoofar UE Diary

Thanks, sounds good to me.

[vint1954]

Re: onesteptoofar UE Diary

Just hold fire until they contact you again