onesteptoofar UE Diary

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Hi Niddy,

I followed your advice on which letters to send to Credit Security Ltd and Moorcroft at the end of last week, so this post and the next probably would have been sent by them prior to my letters arriving - not sure if that affects if i ought to send a reply to each?

Letter received from Moorcroft is titled...

Important information - Possible litigation...list of charges and soilicitors fees if judgement is obtained.

Anything worth sending or just wait until they receive the threat-o-gram letter?

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

[Never-In-Doubt]

Re: onesteptoofar UE Diary

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?

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

[onesteptoofar]

Re: onesteptoofar UE Diary

Send this back for the moment (a Niddy Special lol): ---> Threat of Legal Action & Refusal of Doorstep Visit

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?

[onesteptoofar]

Re: onesteptoofar UE Diary

Respond to Moorscroft with the following for now: ---> Threat-o-Gram - Letter before Action

Hi Niddy,

I followed your advice on which letters to send to Credit Security Ltd and Moorcroft at the end of last week, so this post and the next probably would have been sent by them prior to my letters arriving - not sure if that affects if i ought to send a reply to each?

Letter received from Moorcroft is titled...

Important information - Possible litigation...list of charges and soilicitors fees if judgement is obtained.

Anything worth sending or just wait until they receive the threat-o-gram letter?

[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?

[onesteptoofar]

Re: onesteptoofar UE Diary

Apologies Niddy, I will make sure to do that next time.

Many thanks for the replies, all printed and posted first thing in the morning

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Please Read!

Can you not multi-quote various things into one update like that as it makes my life 10x harder to quote back to you - so please use quote, quote me the one account then ask the question, then move on to the next post and do the same. One post should be one update.

Otherwise I will struggle to get half of what I do, done. Cheers mate

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Updates - 31st March 2011

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". ;-y

Just sit tight - leave it until you get contact of some sort!

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Updates - 31st March 2011

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

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Updates - 31st March 2011

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

Current Status - Received a letter from Moorcroft stating notice of intended litigation before legal proceedings in the County Court are issued. What is my next response? Is now a good time to offer a f+f?

Respond to Moorscroft with the following for now: ---> Threat-o-Gram - Letter before Action

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Updates - 31st March 2011

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, now back with Lloyds, expecting Credit Security Ltd will prob be next!

Current Status - Letter received from Lloyds requesting 1 pound payments if i do not pay off the full outstanding balance in full. Advice on the next step? Just wait for the next DCA to appear then f+f offer, was my thinking?

Just ignore for the moment - not worth a response, see what develops yea?

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Updates - 31st March 2011

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 - Credit Security Limited

Have not made any token £1 payments since Sept 2010. No response to my offer of f+f made in Sept.

Current Status - Letters received in the last month, first from Lloyds (debt was returned to them by the last DCA) . Letter said that their agents had been unable to agree a repayment programme and that they had suggested taking legal action against me. I ignored this.

A few weeks later Credit Security Limited have begun to contact with the usual 'send payment in full immediately" letter but have now contacted me with a letter threatening either doorstep visit or legal action to recover the debt through Aylesbury County Court.

What can i respond with?

Send this back for the moment (a Niddy Special lol): ---> Threat of Legal Action & Refusal of Doorstep Visit

[onesteptoofar]

Re: onesteptoofar UE Diary

Hi Niddy,

Hope you had a good break.

I've had a few letters recently so will update each account as to where they all stand as if i were posting for the first time.

I am not a homeowner, but i do have some shares tucked away hh , and i now have a full time job. Not sure how this affects things?

I'll take things as far as you advise i can and I'm in this for the long haul. I have access to funds in order to offer f+f's for each account but obviously want to give myself the best possible chance to settle for the least possible sums. I am in no hurry but it seems a neverending circle of pass the parcel with dca's at present...

Any advice on the three Lloyds debts next response letters would be much appreciated,

Thanks,

onesteptoofar

Updates - 31st March 2011

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 - Credit Security Limited

Have not made any token £1 payments since Sept 2010. No response to my offer of f+f made in Sept.

Current Status - Letters received in the last month, first from Lloyds (debt was returned to them by the last DCA) . Letter said that their agents had been unable to agree a repayment programme and that they had suggested taking legal action against me. I ignored this.

A few weeks later Credit Security Limited have begun to contact with the usual 'send payment in full immediately" letter but have now contacted me with a letter threatening either doorstep visit or legal action to recover the debt through Aylesbury County Court.

What can i respond with?

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, now back with Lloyds, expecting Credit Security Ltd will prob be next!

Current Status - Letter received from Lloyds requesting 1 pound payments if i do not pay off the full outstanding balance in full. Advice on the next step? Just wait for the next DCA to appear then f+f offer, was my thinking?

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

Current Status - Received a letter from Moorcroft stating notice of intended litigation before legal proceedings in the County Court are issued. What is my next response? Is now a good time to offer a f+f?

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!

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". ;-y

[Never-In-Doubt]

Re: onesteptoofar UE Diary

I've moved your council tax query here: ---> onesteptoofar Council Tax Issue

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Hi Niddy,

I have just received a letter from Lloyds. The DCA (Moorcroft) must have referred the loan back to them as i was giving them no joy

The letter basically says 'our agents have been in touch with you and they have been unable to agreee a repayment programme...pay the full balance (7500) in ten days or we will commence legal action...'

Any ideas / is now the time to offer a f+f?

Hiya, ok you say you want to start clearing your credit files, but how many accounts have you got that are in arrears and can you afford to settle them all? Its pointless paying just one account off..... I mean, you could try and make an offer - but it's gonna be a couple of grand - can you afford this right now? Its easier to negotiate with a DCA than the lender...

If you can confirm the above then we'll look at next steps then yea? You decide - whatever you want, we'll back you and help best we can...