onesteptoofar UE Diary

[Pixie]

Re: onesteptoofar UE Diary

Hi onesteptoofar.

Could you update us? Did you send a new CCA request to MKDP?

[PlanB]

Re: onesteptoofar UE Diary

MKDP already included a copy of the enforceable CCA in with their last letter... you mean send another request

Yes. Send a new CCA request unless your last CCA request was made within the previous 30 days.

Can you post the full history of this MKDP account not just the recent update. That way we can see what's gone on before.

Sorry to seem demanding but I haven't had time to read back through your thread (that's my problem not yours) and I want to help you act fast since I'm battling two county court claims against them at the moment so I know they're litigious.

This is a £7.5k debt which Niddy has said is enforceable so they may be willing to take a punt. Let's see if we can head them off at the pass

Plan B xx

[onesteptoofar]

Re: onesteptoofar UE Diary

I think I would send http://www.all-about-debt.co.uk/inde...final-response




I would send a new CCA Request http://www.all-about-debt.co.uk/inde...22-cca-request ASAP as they can't issue a claim when there is an outstanding CCA Request. However, this may only buy a little time a it looks like they may go ahead with a claim

Hi Pixie, thanks for the reply

MKDP already included a copy of the enforceable CCA in with their last letter... you mean send another request to try and stall them?

[Pixie]

Re: onesteptoofar UE Diary

Received a letter from Wescot 'reduced settlement offer'.

'we have written to you on several occasions asking you to contact us but have not received a response. In an attempt to close this matter our client has agreed to offer you a discount to settle your account'


Anything to send?

I think I would send http://www.all-about-debt.co.uk/inde...final-response

Anything to respond with to MKDP?

Thanks in advance

I would send a new CCA Request http://www.all-about-debt.co.uk/inde...22-cca-request ASAP as they can't issue a claim when there is an outstanding CCA Request. However, this may only buy a little time a it looks like they may go ahead with a claim

[onesteptoofar]

Re: onesteptoofar UE Diary

Letter received from MKDP replying to my 'formal letter before action' letter.

They include a copy of statement, CCA and notice of default referring to my Practice Direction Pre Action Conduct as a final response to my concerns.

'Due to the information stated i regret to advise that i am unable to uphold your complaint'

we request you contact us to discuss your account....should you remain unhappy with our response you do have the right to refer your concern to the financial ombudsman service. this must be done within 6 months of the date of this letter....

(head in hands...) now what

Anything to respond with to MKDP?

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 'formal letter before action' response to MKDP (Jan '15) in response to their letter by recorded delivery including my signed enforceable CCA with accompanying letter 'formal demand for payment'.

Letter received from MKDP replying to my 'formal letter before action' letter.

They include a copy of statement, CCA and notice of default referring to my Practice Direction Pre Action Conduct as a final response to my concerns.

'Due to the information stated i regret to advise that i am unable to uphold your complaint'

we request you contact us to discuss your account....should you remain unhappy with our response you do have the right to refer your concern to the financial ombudsman service. this must be done within 6 months of the date of this letter....

(head in hands...) now what

[onesteptoofar]

Re: onesteptoofar UE Diary

Lloyds Account
Commenced pre-1998
Outstanding balance -2800
Token 1 pound payments made 2009-2010
ACCOUNT HAD NOT YET DEFAULTED in Sept 2010, i have not checked if it has since this date
DCA - Wescot

Last payment made - token 1 pound payments ceased in Sept 2010.

Last correspondence I sent:
Account sold in dispute letter to IQOR, the last known DCA
Last correspondence received: Letter received from Arrow Global-Lloyds TSB notifying the debt had been passed to Wescot.

Received a letter from Wescot 'reduced settlement offer'.

'we have written to you on several occasions asking you to contact us but have not received a response. In an attempt to close this matter our client has agreed to offer you a discount to settle your account'


Anything to send?

[ScabHunter]

Re: onesteptoofar UE Diary

I'd rather have Wetcloths dealing with it than Rectums

Never a truer word spoken. This has gone from a potentially dangerous enemy to a completely useless one.

Sit tight and wait for their first letter, but have a glass of something to celebrate while you're waiting.

SH

[Grassy_K]

Re: onesteptoofar UE Diary

Letter received from Arrow Global notifying that Restons will no longer be managing the account....Wescot Credit Services Ltd are now managing the account.

Sitting tight...unless advised otherwise

I'd rather have Wetcloths dealing with it than Rectums

[onesteptoofar]

Re: onesteptoofar UE Diary

Lloyds Account
Commenced pre-1998
Outstanding balance -2800
Token 1 pound payments made 2009-2010
ACCOUNT HAD NOT YET DEFAULTED in Sept 2010, i have not checked if it has since this date
DCA - Arrow Global

Last payment made - token 1 pound payments ceased in Sept 2010.

Last correspondence I sent:
Account sold in dispute letter to IQOR, the last known DCA
Last correspondence received: Letter received from Restons
'We are attempting to contact the above named person regarding a personal matter and we have been provided your address as a possible address for our subject/customer.......please contact....' No reference to the Lloyds loan at all.

Letter received from Arrow Global notifying that Restons will no longer be managing the account....Wescot Credit Services Ltd are now managing the account.

Sitting tight...unless advised otherwise

[onesteptoofar]

Re: onesteptoofar UE Diary

Nice one, I will edit. Thanks Niddy

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Yep send that. If it has a part about cca and its not relevant, edit to suit.

[onesteptoofar]

Re: onesteptoofar UE Diary

• ------------ >Formal Letter Before Action Response

Hi,

Is the Formal Letter Before Action Response template the right one to send?

I received a signed copy of my CCA by recorded delivery in September (admittedly the letter wasn't signed for,so the postman just left it).

Just checking before i post

Thanks in advance

[cymruambyth]

Re: onesteptoofar UE Diary

No there's no fee for templates (that's just a token payment for access to the secure Legal Claims area, for security purposes to prove ID)

Just register with exactly the same user ID, password and email address you use for the forums. Then remember to activate it by clicking the link in the acknowledgement email you will get

Oops, sorry for giving slightly wrong information :

[onesteptoofar]

Re: onesteptoofar UE Diary

Thanks for the replies. Makes things easier knowing I'm not fighting the battle on my own