Starting out

[Deepie]

Re: Starting out

Hiya,


Received a letter from wescot regarding a Sainsburys account .they say that. " their client has agreed that wescot can offer me a discount to settle account .they also state unless a suitable arrangement plan is reached within 10 days of the date of this letter , further recovery action will be taken".

Should I ignore this letter and see what they send or send a sold in dispute letter or is this not the correct reply...???? HELP!!!!!!!
Thank you
Sosad xxx

Can you link me to some history please.....

[Sosad]

Re: Starting out

Hiya,


Received a letter from wescot regarding a Sainsburys account .they say that. " their client has agreed that wescot can offer me a discount to settle account .they also state unless a suitable arrangement plan is reached within 10 days of the date of this letter , further recovery action will be taken".

Should I ignore this letter and see what they send or send a sold in dispute letter or is this not the correct reply...???? HELP!!!!!!!
Thank you
Sosad xxx

Ps.Niddy deemed this account unenforceable .

[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 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 barclaycard that all relevant documentation has been provided to me they believe the dispute is resolved and I skould pay in full or make arrangements to pay monthly

This is the account Pixie , I've been blagging it for ages thanks for your reply
Sosad xx

[Pixie]

Re: Starting out

Hiya ,
I have received a letter from wescot regarding a bank of Scotland account, they state that they have been contacted by their client and they're clients have provided me with all relevant documentation we now believe the dispute has been resolved and the full balance or an agreed monthly payment is required .


What would be my next best step ?
Thank you,
Sosad xx

Hi

Did you get a cca for this?

I read back a couple of pages but couldn't find mention of it and don't have time to read right through the thread.

If you did, I would send Final Response - UE (CCA Received) - allaboutDEBT UK

If not, send one of the other Final Response templates (click on the Template drop down box)

[Sosad]

Re: Starting out

Hiya ,
I have received a letter from wescot regarding a bank of Scotland account, they state that they have been contacted by their client and they're clients have provided me with all relevant documentation we now believe the dispute has been resolved and the full balance or an agreed monthly payment is required .


What would be my next best step ?
Thank you,
Sosad xx

[Sosad]

Re: Starting out

Thanks Scabhunter I'll get that SAR request off then send sold in dispute later

Many thanks
Sosad xx

[ScabHunter]

Re: Starting out

Scabhunter ,I will get that SAR request sent away tomorrow ,or should I send the sold in dispute letter first?

Crapquest have issued a false "deadline" of 17th April, so there is no hurry for the SWID letter. As long as you can get it sent some time during the week of April 14th - 20th, I wouldn't worry about it.

SH

[Sosad]

Re: Starting out

Thank you for your replies

IF ,I will need to look into exactly what my I pad can and cannot do ,thanks for putting up those guides .

Scabhunter ,I will get that SAR request sent away tomorrow ,or should I send the sold in dispute letter first?
:
I wish I was flush then I wouldn't be in this predicament now but heh ho on the plus side I wouldn't have "met"all you lovely people.

Thank you
Sosad xx

[ScabHunter]

Re: Starting out

Hi and thank you for your replies !
I have updated my diary I can't do it in colours Scabhunter it's only an I pad but I will keep it up to date

Don't worry about colours, that doesn't matter. Although I'd be very surprised if an iPad couldn't do colours.

An alternative which makes it easy to see is to use S for sent and R for received -

S - 5th February – Sent CCA request to Shark and Shyster bank
R - 9th February – Received demand for £10,000,000 or a kidney to donate to medical science
S - 11th February – Sent CCA reminder letter
R - 16th February – Received letter threatening to repossess our daughter's doll's house
S - 19th February – Sent CCA final demand
R - 21st February – Received forged notice of assignment from Blood, Sucker and Leeches Debt Terrorists
S - 23rd February – Sent the whole of the Alternative Template Library in separate envelopes with no stamps on

I didn't have money to send SAR request away I will send it tomorrow though and then send acc sold in dispute letter to capquest in about a week

I should have known better, shouldn't I? I post on debt sites for five years and still don't realise that finding £10 is not always easy or automatic. We tend to assume that home owners are always flush - big mistake.

If money is tight, I wouldn't worry about the SAR for now. It is not likely that there will be any immediate threat of court, so just send it whenever you feel comfortable doing so.

It is more important to get that SWID letter to Crapquest as they are active pursuers. I know we recommend Recorded Delivery, but honestly a certificate of posting will suffice for this type of letter as proof that it was sent. If money is tight, don't throw it away for no reason.

SH

[IF]

Re: Starting out

I have updated my diary I can't do it in colours Scabhunter it's only an I pad but I will keep it up to date .

Hiya Sosad, please have a look here and I hope it helps

-- > How to use/change the Colour - allaboutFORUMS

[Sosad]

Re: Starting out

Hi and thank you for your replies !
I have updated my diary I can't do it in colours Scabhunter it's only an I pad but I will keep it up to date .
I didn't have money to send SAR request away I will send it tomorrow though and then send acc sold in dispute letter to capquest in about a week .

I got visitors as well Pixie that is why it has taken me so long in replying .

Enforcer, I noted from your previous post that I shouldn't pay them a penny as that would be acknowledging the debt, I will follow the advice given .

I really appreciate the sound advice given and do try to follow it to the letter
Thank you all for taking the time to reply to me
Sosad xx

[Enforcer]

Re: Starting out

Hi
I received a letter from capquest yesterday at the beginning of the letter it states " as you will now be aware your account is being processed for legal action "" it then goes on to state that the account has been selected for a one time solution they are saying if I pay £27 per month they will credit the account with 30% ie : £8 .00 they have asked me to contact them to set up a direct debt ,I have until the 17 th April then they will withdraw the offer.
The end paragraph states I should seriously consider this proposal .

I haven't sent the SAR request away yet would it be feasible to request SAR to capital one then send account in dispute to capquest?
Any suggestions appreciated
Thank you
Sosad xx

Please read what I said earlier! If you pay them even a penny, you have agreed to a Novation of contract. You will have contracted with a debt collector, you will have agreed that you owe THEM money.
Please don't do this. Follow the advice that you are being given.

[ScabHunter]

Re: Starting out

Is this the one which Niddy said was enforceable, and Enforcer suggested sending the SAR? If it is, then the SAR should have been sent already. There is no point delaying, because they have 40 days in which to reply, and if they are obstructive it could take even longer than that. If you haven't sent it already, get it sent.

What has been sent to Crapquest so far? If you haven't sent anything, then, yes, the A/C Sold Whilst in Dispute will be the correct reply. Don't send it for another week, though, because you may as well take advantage of Crapquest's silly “deadline”.

SH

[Pixie]

Re: Starting out

I was in the middle of replying when I had a visitor.

Hi
I received a letter from capquest yesterday at the beginning of the letter it states " as you will now be aware your account is being processed for legal action"

In my opinion, that sentence is just meant to scare you into paying. Like SH says, if they were going to take legal action, they wouldn't be making offers.

I haven't sent the SAR request away yet would it be feasible to request SAR to capital one then send account in dispute to capquest?
Any suggestions appreciated
Thank you
Sosad xx

I don't see why not.

[ScabHunter]

Re: Starting out

Hi
I received a letter from capquest yesterday at the beginning of the letter it states " as you will now be aware your account is being processed for legal action "" it then goes on to state that the account has been selected for a one time solution they are saying if I pay £27 per month they will credit the account with 30% ie : £8 .00 they have asked me to contact them to set up a direct debt ,I have until the 17 th April then they will withdraw the offer.
The end paragraph states I should seriously consider this proposal .

I haven't sent the SAR request away yet would it be feasible to request SAR to capital one then send account in dispute to capquest?
Any suggestions appreciated
Thank you
Sosad xx

The first point to make is that the threat of legal action is utter cobblers. If they had any intention of taking this anywhere near a court, they wouldn't be making any silly offers.

I'll have a brief look through and see what is happening. Just one thing to consider, Sos Ad, could you please make it easier for us by keeping the diary up to date with everything you've sent and received?

If you set it out like this example, it will be so much easier for us to keep up to date with what is happening -

5th February – Sent CCA request to Shark and Shyster bank
9th February – Received demand for £10,000,000 or a kidney to donate to medical science
11th February – Sent CCA reminder letter
16th February – Received letter threatening to repossess our daughter's doll's house
19th February – Sent CCA final demand
21st February – Received forged notice of assignment from Blood, Sucker and Leeches Debt Terrorists
23rd February – Sent the whole of the Alternative Template Library in separate envelopes with no stamps on

See how easy that is to follow, even for people who haven't seen the thread before? If you could do that, it would help us a lot.

SH