onesteptoofar UE Diary

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Hi Niddy,

Update: Lloyds Account

As this one is just a Lloyds Account with an overdraft i haven't sent a CCA request. I haven't received a default notice in the post yet either.

This is the only debt i could confirm HAD NOT defaulted when i did the free credit checks a few months ago. My last token payment to it was made in Sept.

Moving on seperately from this:

Update: 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 - Apex Credit Management

I have now received a letter from Apex stating that a CCA for the account was sent to me by the client in June (i received this. This was the CCA you confirmed was enforeceable).

Is the next step just to wait until their next letter? I assume this wont be long in arriving.

Selling my car on ebay and struggling to be home when its light outside at the moment, just washing it and it keeps freezing. What a plank i am! Just about sums up how i've planned my finances over the years

Hiya, yea just sit tight and await a proper letter then let us know....

As for car - ;D ;D ;D nah

[onesteptoofar]

Re: onesteptoofar UE Diary

Update: 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

Letter received from Wescot "we were considering a door step collection visit to your home address to recover the outstanding balance....you have a final opportunity to avoid referral to a door step collection agent by telephoning..." blah blah blah

He would need a snow plough to reach me, there's nearly a foot of snow at my house

[onesteptoofar]

Re: onesteptoofar UE Diary

Hi Niddy,

Update: Lloyds Account

As this one is just a Lloyds Account with an overdraft i haven't sent a CCA request. I haven't received a default notice in the post yet either.

This is the only debt i could confirm HAD NOT defaulted when i did the free credit checks a few months ago. My last token payment to it was made in Sept.

Moving on seperately from this:

Update: 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 - Apex Credit Management

I have now received a letter from Apex stating that a CCA for the account was sent to me by the client in June (i received this. This was the CCA you confirmed was enforeceable).

Is the next step just to wait until their next letter? I assume this wont be long in arriving.

Selling my car on ebay and struggling to be home when its light outside at the moment, just washing it and it keeps freezing. What a plank i am! Just about sums up how i've planned my finances over the years

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Update: Lloyds Account
Hi Niddy,

I didn't ever receive a reply to my f+f 1000 offer in Sept. This morning I received a letter from Apex so i'm guessing i've defaulted at last

Six years starts now!

In the letter from Apex, its the usual automated "you have failed to reach an agreement with us...we believe you have the ability to pay...account passed to our internal litigation team" blah blah.

Stand firm or is there a letter i can send in reply?

Hiya, send this: ---> viewtopic.php?p=20203#p20203

You have not been defaulted, not unless you have had a DN sent through the post clearly marked as being a default notice under s,87 of CCA1974.......

However if you cease ALL repayments, usually they will default you within the next 6 months.

As to the F&F, hold off on that for the moment and see what develops. Have you had the CCA through for this/have I checked it?

[onesteptoofar]

Re: onesteptoofar UE Diary

Update: Lloyds Account
Commenced pre-1998
Outstanding balance -2800
Token 1 pound payments made since end 2009
ACCOUNT HAS NOT YET DEFAULTED
Lloyds / SCM Solicitors still own the account

Current Status - Aiming to default asap. Made token 1 pound payments in Sept 2010 but these will be the last. Offered a f+f for 1000 in Sept, awaiting reply.

Hi Niddy,

I didn't ever receive a reply to my f+f 1000 offer in Sept. This morning I received a letter from Apex so i'm guessing i've defaulted at last

Six years starts now!

In the letter from Apex, its the usual automated "you have failed to reach an agreement with us...we believe you have the ability to pay...account passed to our internal litigation team" blah blah.

Stand firm or is there a letter i can send in reply?

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Cheers, keep us updated and seriously post a question and wait a reply - i'm around quite a lot believe it or not and nothing is "that" urgent that you need to stress over

[onesteptoofar]

Re: onesteptoofar UE Diary

I must learn to ask before I act.

Thanks Niddy, you're the man!

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Hiya just leave it. No do not send a cca to each owner. You send a cca to original owner then u send account sold letter. Ask me and I'll help u!!

[onesteptoofar]

Re: onesteptoofar UE Diary

Hiya Niddy,

This one is enforceable, as Lloyds randomly produced a CCA months after a SAR request. I'd just got into a habit of CCA'ing each DCA each time the DCA changed.. Is that the wrong thing to do?

As it happens the day after i posted this Apex wrote to me to say the account had been referred back to the Lloyds TSB Bank for clarification....account is now on hold until they have received the requested documents...

Should i leave this now, or send back your link?

you ought to be sending this back asap: ---> viewtopic.php?p=2319#p2319

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Hiya

If this is enforceable (as per your mini breakdown) then why are we awaiting a CCA? Are you blagging this?

In any case, you ought to be sending this back asap: ---> viewtopic.php?p=2319#p2319

[onesteptoofar]

Re: onesteptoofar UE Diary

Update: 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 - Apex Credit Management

Hi Niddy,

Hope all is well with you.

No CCA received from Apex Credit Management as yet.

Today I received a letter from HL Legal & Collections Solicitors in association with Sampson & Co.

Notice of Pending Legal Action

Creditor: Lloyds TSB Bank plc
Our Client: Apex Credit Management Limited

Content...the usual...


Just ignore?

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Hiya, just ignore - as mentioned... y

[onesteptoofar]

Re: onesteptoofar UE Diary

Aye Aye Captain, Sitting tight

A little more to add to the Nationwide loan...

Update: 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.
DCA - Wescot

Status - Offered 1820 as a f+f, rejected. Wescot counter offered 5630. (Sept 2010).

Letter received from "Nelson Guest & Partners Solicitors" on behalf of Wescot Credit Services Ltd (Sept). Prepared to settle for 50% of the balance £3750 if paid by ....blah blah blah

Update: Letter received from Wescot including exactly the same copy of the enforecable CCA they have already sent me, that Niddy checked as enforeceable months ago... A bit random.

Ignoring it as per ;LOL

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Noooo - don't chase them. It is UE until they do respond so no CCA Chaser - we only use that in extreme situations, this is not one of those situations lol....

Sit tight, do nothing yea?

[onesteptoofar]

Re: onesteptoofar UE Diary

Thanks Niddy.

I'll send a CCA reminder after 12+2 days unless i hear any different from you.