Starting out

[ScabHunter]

Re: Starting out

I would send A/C sold in dispute to CARS and Crapquest. Wait until Wasteclot pollute your letterbox before you send the same thing.

(Posting on cell phone so cannot link)

SH

[Sosad]

Re: Starting out

Hi Tech Clerk,

I don't know what to respond with to cappquest would it be the "missing prescribed terms " letter or"account in dispute" letter ??
Thanks for your reply
Sosad x

[Sosad]

Re: Starting out

Hi all
Just received another couple of letters ( oh the joys of being in debt!!!)

1st letter from CARS acting on instruction from monument to commence formal debt recovery action please settle account if I ignore payment request they may take further action against me which may include considering the account for potential litigation any suggestions



2nd letter from Sainsburys stating they have transferred the account to Wescot and to make arrangements with them to repay the balance

Thanks as always
Sosad x

[The Tech Clerk]

Re: Starting out

If you respond send to:- Ms A. SIMMS Quality & Assurance Officer @ Capquest, especially if you have a dispute with Crap 1.

[Sosad]

Re: Starting out

Capital One (credit card) now dealing with Capquest.

Start date 2000/02ish

Balance £3907.
Last full payment 2009.

April 12th cancelled dmp requested cca.
April 13th reply from capqest requiring signature.
April 23rd I replied with no signature required letter.
April 28th, Capquest returned my P.O. and advised me that they have
returned account to Capital One and all corrospondece should
be addressed to Capital One.
April 28th ,2nd letter, Capquest has sent my request to Capital One
also states "please note that a notice of assignment is not
[SIZE=2]applicable as account has not been sold to us"[/SIZ
[COLOR=red]Do I now need to send p.o. to Capital One and request cca from them?

May 9th Sent Capital One P.O. And letter requesting CCA
June 15th Emailed Capital One CCA agreement to Niddy
June19th Niddy deemed this CCA enforceable ,unfortunately willsend off missing pt letter
June 20th Missing prescribed terms letter sent
July 9th Received letter from cap one ( long winded!) emailed to Niddy he states it's usual letter ,I'll ignore see what they send next.

Hi all
Received letter from Capquest stating they have been assigned the account and cap one will be sending me notice of this, the letter goes on to state they have not been made aware of any financial hardship ( if only!!) nor of any dispute concerning the account it's quite a long winded letter but the gist of it is they are looking for me to contact them and arrange a payment plan . What would be my next best step with these people?
As always any suggestions will be much appreciated
Sosad x

[Sosad]

Re: Starting out

Hi Scabhunter

Thanks for explanation sorry you're not too well especially over the Christmas period hope you have a better New Year ,take care of yourself.
Best wishes for 2013
Sosad xx

[ScabHunter]

Re: Starting out

Scabhunter what's an avatar ?

Sorry, only just seen this. Been bloody ill since the 23rd and scarcely able to post. Avatar is the picture which many posters have underneath their user name, which appears on every post.

Many posters have them, some don't. There's certainly no need to, as they don't actually increase the quality of your posts.

SH

[nightwatch]

Re: Starting out

Happy New Year to you and Yours
xx NW

[Sosad]

Re: Starting out

Hi Nightwatch ,
Thanks for your reply most helpful I will miss out the part with bumhead and nobbys nuts as In 2 Deep suggested .
Thanks for enlightening me about avatar ,it's a true saying you're never too old to learn!!!
Happy New Year to you
Take care
Sosad xx

[nightwatch]

Re: Starting out

Wishing you a very Happy new year.



....Leave out the Bumhead and nobbys nuts

WHY !!

[Deepie]

Re: Starting out

Thanks In 2 Deep on the ball as usual , I'll get the one liner sorted .
Hope you had a lovely Christmas and wishing you all the best for 2013 .

Thanks to all who posted with their best wishes about my wee bit good news , I had to share it with you all as I couldn't have done it without your help and support, and to show others that it can be done.

Scabhunter what's an avatar ?

A very Happy New Year to you all and hopefully 2013 is a good one .

Take care
Sosadxx

Wishing you a very Happy new year.

I and I mean I, would send a letter along the lines of

Dear Bumhead

thank you for your letter of the xx in which you request the sum of £1.00 for something i have not asked you to do, i refer you back to my letters of the 3rd & 11th july and the 14th dec, copys of which i have already sent to you for your ease of reference,
please find enclosed a list of Specsaver locations across the country where you may be able to get help in reading the contents of said letters, as for understanding them, you may wish to ask a grown up to explain them to you.

may I ask that you refrainfrom sending any more letters asking for a fee, or recommending your client to take further action, until you find the button on the printer for the letter that says "We are seeking information from our Client on this matter " and, "this account is on hold while we seek informaion"

yours with nobbys nuts on NW

ps; an avitar is the picture under your name ,as you can see mine is Muttly

....Leave out the Bumhead and nobbys nuts

[nightwatch]

Re: Starting out

I and I mean I, would send a letter along the lines of

Dear Bumhead

thank you for your letter of the xx in which you request the sum of £1.00 for something i have not asked you to do, i refer you back to my letters of the 3rd & 11th july and the 14th dec, copys of which i have already sent to you for your ease of reference,
please find enclosed a list of Specsaver locations across the country where you may be able to get help in reading the contents of said letters, as for understanding them, you may wish to ask a grown up to explain them to you.

may I ask that you refrainfrom sending any more letters asking for a fee, or recommending your client to take further action, until you find the button on the printer for the letter that says "We are seeking information from our Client on this matter " and, "this account is on hold while we seek informaion"

yours with nobbys nuts on NW

ps; an avitar is the picture under your name ,as you can see mine is Muttly

[Sosad]

Re: Starting out

Thanks In 2 Deep on the ball as usual , I'll get the one liner sorted .
Hope you had a lovely Christmas and wishing you all the best for 2013 .

Thanks to all who posted with their best wishes about my wee bit good news , I had to share it with you all as I couldn't have done it without your help and support, and to show others that it can be done.

Scabhunter what's an avatar ?

A very Happy New Year to you all and hopefully 2013 is a good one .

Take care
Sosadxx

[Deepie]

Re: Starting out

[QUOTE=Sosad;273917]

Sainsburys (credit card) now dealing with blair oliver and Scott.
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 N iddy be grateful if you would let me know if you receive this
Niddy says unenforceable, I'm really happy about this

May 11th Posted letter as advised by Niddy Re ;missing prescribed terms.

May 11th received letter from B. O.&S requesting immediate payment
May29th Received letter saying pay up or else
June 11th, received letter stating formal notice given that they are preparing papers to commence action at my local court to seek a judgement against me

June12th Posted threat-o-gram before action letter away

June25th Received reply back from sainsburys more or less stating we will no longer enter into any other correspondence




June 28yh Received letter from sainsburys stating they have transferred sainsburys debt to
July 2nd. Received letter from moor croft to prevent recommending our client to take further action pay full amount before 7/7/12
July 3rd Sent account sold in dispute letter
July 9th Received letter requesting PO to process my request foy CCA agreement
July 11th Posted one liner letter to moor croft regarding " my cca request" ( which was actually the sold in dispute letter !!) informed them to take a look at my letter dated 3rd July

December 11th received letter from Moorcroft stating to prevent further action send payment proposal to them

December 14th Sent letter stating to look at letter I posted to them on the 3/7/12 also sent a copy of said letter

December 22nd. Received letter from Moorcroft stating in order to stop our recommending our clients that
further debt recovery action is taken we can confirm we are prepared to accept a sensible
monthly repayment plan an example of what we would consider would be £120.00 per
month.
I need to respond in 7 days!!!!

December29th. Received a reply from Moorcroft to my letter dated 14th December In order to carry out
my request for cca I must provide them with a £1.00 fee!!! I sent them the "account sold
in dispute " letter.



What would be the next best step should I just ignore them?
As usual any advice would be much appreciated , thanks in advance
Sosad xxx

I would send them a one liner saying cca request was sent on xxxxxx

[Sosad]

Re: Starting out

[QUOTE=Sosad;182783]Sainsburys (credit card) now dealing with blair oliver and Scott.
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 N iddy be grateful if you would let me know if you receive this
Niddy says unenforceable, I'm really happy about this

May 11th Posted letter as advised by Niddy Re ;missing prescribed terms.

May 11th received letter from B. O.&S requesting immediate payment
May29th Received letter saying pay up or else


June 11th, received letter stating formal notice given that they are preparing papers to commence action at my local court to seek a judgement against me

June12th Posted threat-o-gram before action letter away

June25th Received reply back from sainsburys more or less stating we will no longer enter into any other correspondence




June 28yh Received letter from sainsburys stating they have transferred sainsburys debt to moorcroft
July 2nd. Received letter from moor croft to prevent recommending our client to take further action pay full amount before 7/7/12
July 3rd Sent account sold in dispute letter
July 9th Received letter requesting PO to process my request foy CCA agreement
July 11th Posted one liner letter to moor croft regarding " my cca request" ( which was actually the sold in dispute letter !!) informed them to take a look at my letter dated 3rd July

December 11th received letter from Moorcroft stating to prevent further action send payment proposal to them

December 14th Sent letter stating to look at letter I posted to them on the 3/7/12 also sent a copy of said letter

December 22nd. Received letter from Moorcroft stating in order to stop our recommending our clients that
further debt recovery action be taken we can confirm we are prepared to accept a sensible
monthly repayment plan an example of what we would consider would be £120.00 per
month.
I need to respond in 7 days!!(oops!!)

December29th. Received a reply from Moorcroft to my letter dated 14th December" In order to carry out
your request for cca you must provide us with a £1.00 fee!!!" I sent them the "account sold
in dispute " letter.



What would be the next best step should I just ignore them?
As usual any advice would be much appreciated , thanks in advance
Sosad xxx