onesteptoofar UE Diary

[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, 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?

[onesteptoofar]

Re: onesteptoofar UE Diary

Nationwide Loan
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 - Wescot
Current Status - No contact since they threatened to send a doorstep collector in November when i had two feet of snow outside!


Hi Niddy,

Letter received from Nationwide themselves. Notice of Sums in Arrears, formal demand for payment of the debt.

Any action to take?

No further correspondence from Nationwide. I'll scan and email Niddy a copy of the letter this week. I promise!

[MustGetStraigh]

Re: onesteptoofar UE Diary

Hi Niddy,

Frustrating today receiving a letter with no postage paid...went to the post office and paid £1.36 for another moorcroft demand

Catch you later,

onesteptoofar

Are there no depths these people will sink to, to get money out of us?

[onesteptoofar]

Re: onesteptoofar UE Diary

Hi Niddy,

Hope you are well.

The last month has flown by and i've still not scanned that letter for you...i've also had several more letters which i've buried my head in the sand about.

I'll pop on later this evening with a full update for each debt.

Frustrating today receiving a letter with no postage paid...went to the post office and paid £1.36 for another moorcroft demand

Catch you later,

onesteptoofar

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Hi Niddy,

Thanks for the reply. I'll ignore for now as advised, just a bit confused as i was defaulted on my credit file for this debt in Feb 2010. I am guessing they can't default me twice...ie, effectively make the default more upto date?

I had thought the default would disappear from my credit file 6 years after it was intially posted. Guess it could just be an automated letter fuck up from their end?

How strange - can you please email me that letter so I can see it?

[onesteptoofar]

Re: onesteptoofar UE Diary

Nope, this is a pre-default notice so next you should get defaulted

Just ignore for now....

Hi Niddy,

Thanks for the reply. I'll ignore for now as advised, just a bit confused as i was defaulted on my credit file for this debt in Feb 2010. I am guessing they can't default me twice...ie, effectively make the default more upto date?

I had thought the default would disappear from my credit file 6 years after it was intially posted. Guess it could just be an automated letter fuck up from their end?

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Hi Niddy,

Letter received from Nationwide themselves. Notice of Sums in Arrears, formal demand for payment of the debt.

Any action to take?

Nope, this is a pre-default notice so next you should get defaulted

Just ignore for now....

[onesteptoofar]

Re: onesteptoofar UE Diary

Nationwide Loan
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 - Wescot
Current Status - No contact since they threatened to send a doorstep collector in November when i had two feet of snow outside!


Just ignore this - no news is good news
Letter received from Nationwide themselves. They have introduced a new policy for customers in financial difficulties, backdated to the start of 2010 and are refunding charges totalling 15 quid!

Assuming Wescot have handed the debt back to them. Any action for me to take?

Niddy reply > No action to take - well done on the mighty £15 - don't spend it all at once lol

Hi Niddy,

Letter received from Nationwide themselves. Notice of Sums in Arrears, formal demand for payment of the debt.

Any action to take?

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Hi Niddy,

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

Putting my feet up and waiting for their next letter.

Nice one, lets see what they say next then yea?

[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

Hi Niddy,

I've received a letter from Moorcroft in response to either the 'Threat-o-gram' letter or the 'Threat by Lender/D.C.A - To commence litigation' letter. Probably the former as it was sent first.

Letter thanks 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...

As this is an account overdraft as opposed to a loan i have never requested a CCA.

Just sit tight?

Hi Niddy,

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

Putting my feet up and waiting for their next letter.

[Never-In-Doubt]

Re: onesteptoofar UE Diary

As this is an account overdraft as opposed to a loan i have never requested a CCA.

Just sit tight?

They are sooo thick aren't they? Yep just ignore it until they actually read it and respond in kind!

[onesteptoofar]

Re: onesteptoofar UE Diary

I presume this crossed in the post? Anyway, send them this just to be certain: ---> Threat by Lender/D.C.A - To commence litigation

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

Hi Niddy,

I've received a letter from Moorcroft in response to either the 'Threat-o-gram' letter or the 'Threat by Lender/D.C.A - To commence litigation' letter. Probably the former as it was sent first.

Letter thanks 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...

As this is an account overdraft as opposed to a loan i have never requested a CCA.

Just sit tight?

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Thanks for the replies Niddy.

It makes things so much less stressful when you know you can "talk", or at least type, to someone who is on your side.

Letter sent. Thanks again.

No probs, best of luck

[onesteptoofar]

Re: onesteptoofar UE Diary

Thanks for the replies Niddy.

It makes things so much less stressful when you know you can "talk", or at least type, to someone who is on your side.

Letter sent. Thanks again.

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Letter received from Credit Security Ltd...we are left with one course of action but before referring your account for recovery through the County Court our clients are prepared to accept a reduced sum in settlement.


5200 will be accepted as partial payment in full and final settlement and your credit file will be amended accordingly.


Sounds like progress. Wonder if they'll take 500 quid

Anything worth sending or just wait until they receive the Threat of Legal Action & Refusal of Doorstep Visit letter?

No action necessary right now, you did send a letter last week so probably crossed in post!