Starting out

[nightwatch]

Re: Starting out

no problem, I have a letter from HBOS that says the same thing, I ignored it and they have passed it round. wescot have it at the moment and have sent(in response to my SWID) a copy of a letter HBOS say they sent in Dec 2012, it's dated 27th Dec, they were probably still on hangover time and it wasn't sent, any how the letter says they have complied and say that by supplying a copy of the agreement containing the terms and conditions they have done all they need to do. Pity they only sent current T&Cs isn't it.

[Sosad]

Re: Starting out

Hiya Nightwatch ,
Sorry for the confusion I was trying to edit the original post and stupidly managed to delete it don't ask me how!!!!! I was trying to re write it and it's only allowing me to put in so much I give up but a big thank you for responding
Sosad xx

[nightwatch]

Re: Starting out

does it go on to say" conditions would of been on the reverse or a separate sheet"

[Sosad]

Re: Starting out

Sainsburys (credit card)
Taken out 2001
Balance £ 4537
Last full payment 2009

April 23rd: Cancelled DMP payments and requested CCA

May 5th: Received CCA

May 9th: E-mailed my CCA to Niddy

Niddy says unenforceable

May 11th: Postedl "missing prescribed terms" letter of as suggested by Niddy

May 11th : Received letter from Blair Oliver & Scott requesting immediate payment

May 16th: Received letter from Sainsburys stating " we are unable to trace the reconstituted version of the executed
agreement and are therefore not in a position to provide a copy at this time. However ,we did provide a
copy of the signed application form and current terms and conditions . We are satisfied the terms and
c

[Sosad]

Re: Starting out

Thanks for your reply Nanna, I just need a little reassurance that I'm doing the right thing.

Sosadxx

[nanna58]

Re: Starting out

think I would any way it cant hurt can it xx

[Sosad]

Re: Starting out

Hiya,
Received a letter from Clarity stating that they have been instructed by Monument to make and collect payments. Do I send them " account sold in dispute" letter to them?
Thank you
Sosadxx

[vint1954]

Re: Starting out

Don't worry, it is the usual format.

Wait until they contact you again

[Sosad]

Re: Starting out

Thank you for your reply Vint1954

I'll do. As you suggest I did notice they said May take further action ,but I'm a coward and need reassurance !!
Thank you
Sosad xx

[vint1954]

Re: Starting out

I would wait to see what they send next

[Sosad]

Re: Starting out

Bank of Scotland credit card) now dealing with Blair Oliver and Scott.
taken out 2002/4ish
Balance £3148

date last paid full payment 2009.

April 23rd cancelled dmp payment and requested cca.

May 8th received CCA from Blair Oliver& Scott will email to Niddy.

May 11th received letter from b.o &s requiring immediate payment

May 15th Niddy has deemed this CCA Unenforceable

May 16th received CCA from HBoS

May 17th emailed it to Niddy

May 25th Niddy has deemed this one enforceable ,never mind can't win them all

May 29th Received letter saying p

May29th Sent missing prescribed terms letter.

June13th Received letter from Blair ,Oliver &scott stating to contact them within five days ,threats are door to door collectors and. Court action to seek a judgement against me

June 29th Received notice of intended court action from BOS stating papers are now being prepared for commencement of action through my local court to seek a judgement against me

July 3rd Sent threat to commence litigation letter

July 11th. Received letter from Bank of Scotland they are stating they have fully complied with my CCA request and go on to break down the reasons they believe so ,also reminding me to make payments etc.

July 20th Received letter from bank of Scotland stating my account has been passed on to Apex Credit Management ,in same
envelope Apex letter asking me to contact them to make arrangements to pay as soon as possible

August 6th Sent Apex "telephone harassment " letter and "account in dispute", saved a few pennies

August 9th Received from apex saying they will investigate my complaint

October 23rd. Received letter from Wescot stating they have been instructed to collect balance to avoid further action I must pay full amount or telephone them

October 24th. Sent account sold while in depute letter

December4th Sent missing prescribed terms letter

December 8th Received letter from Nelson Guest &Partners as a final attempt to avoid further action they are prepared to offer a discount

Ignored.

May 11th. Received letter from wescot stating they have been advised by Bank of Scotland that all relevant documentation has been provided to me they believe the dispute is resolved and I should pay in full or make arrangements to pay monthly.

[COLOR="black"]May 17th. Sent Final Response - UE letter to Wescot[/

May 31st. Received letter from wescot stating " we acknowledge the query raised and would like to confirm how this will be investigated etc .

June 19th. Received letter from bank of Scotland stating that they have transferred this account to a debt collection agency Robinson way

June 20th. Received letter from Robinson Way stating they will be in touch to discuss repayment options

July 3rd Sent "sold in dispute" letter to Robinson Way

July 8th. Received letter from Robinson Way stating if they don't hear from me within 10 days they will put this account into the hands of their solicitors

YJuly 10th. Sent one liner letter to Robinson Way telling them to refer to my letter dated 3rd July

July 27th; Received letter from Robinson Way stating their client sent a final response
dated 11/07/2012 therefore without further dispute they require a proposal
of payment.

July 30th.: Sent Final Response (CCA received ) letter

Hiya,
Received letter from Robinson Way stating "we are satisfied that the documentation provided is sufficient to demonstrate
Liability and we will not enter into repetitive correspondence regarding this.

Your data will continue to be processed in line with the principles of the Data Protection Act 1998 and the account will continue to be reported to the credit reference agencies ,where appropriate .If you neglect to make payment to us ,further action may be taken against you.

What would be my next best step bearing in mind that this account is enforceable and they may take further action

Thank you
Sosad xx

[MrsD]

Re: Starting out

Hiya and thank you for your replies,

MrsD. I haven't sent wescot the letter about sainsburys admitting they cannot trace the reconstituted version of the executed agreement should I send them a copy of this letter ??

Thank you
Sosad xx

I most certainly would, if you have one of these, it's the first thing to send when a new DCA contacts you.

ww.all-about-debt.co.uk/index.php/template-letters/unenforceability/s2-receiving-letters/124-letter-previously-confirming-no-cca

there you go.

[garlok]

Re: Starting out

Roger Davis is currently Chairman of Sainsbury's Bank, with a full CV of Barclays involvement including CEO Barclays UK Banking, Barclays Capital Asia to name but a couple and a number of other positions.

regards
G

[Sosad]

Re: Starting out

Hiya and thank you for your replies,

MrsD. I haven't sent wescot the letter about sainsburys admitting they cannot trace the reconstituted version of the executed agreement should I send them a copy of this letter ??

Thank you
Sosad xx

[MrsD]

Re: Starting out

Sainsbury's was HBOS. have you send the letter telling them that that they have previously admitted not having the signed agreement? I've fobbed everyone off from my Sainsbury's account with this.