Starting out

[nightwatch]

Re: Starting out

Received letter from Barclaycard saying they've passed my account to Allied International to collect the outstanding balance should I wait and see what this new company ask for or send "sold in dispute " letter ?
All suggestions gratefully received

I would wait to see what AI send

[Sosad]

Re: Starting out

Barclaycard (credit card).
now dealing with MOORECROFT.

Start date 2002/4ish

Balance £5103
Last full payment 2009.


APRIL 12TH , cancelled dmp payments and requested CCA

April 16th , received letter from Moorecroft they have requested documentation from Baeclaycard.

Received letter from Barclaycard saying they've passed my account to Allied International to collect the outstanding balance should I wait and see what this new company ask for or send "sold in dispute " letter ?
All suggestions gratefully received

[Sosad]

Re: Starting out

Hi Jon,
I hope you're ok ,and it is only going to be today's that's bad ,hope tomorrow for you is much better.

Take care
Sosad xx

[jon1965]

Re: Starting out

No worries, don't cringe just enjoy them getting as good as they give.

As for me I am bearing up, having a bad day today, just got to get through next week

[Sosad]

Re: Starting out

Hi Jon I hope you're keeping well .
I looked at the number Flowerpower suggested and have written it down for future use ,I'm going to leave it beside my phone and get my OH to give it to the creditors that call ,he's much better than me when answering the phone he enjoys "winding" them up I cringe when he's on the phone to them thanks for letting me know it does work though
Take care
Sosad xx

[jon1965]

Re: Starting out

Sosad, FP did not mean that you actually change your number you just send a letter with a new number on and tell them to use that.

[Sosad]

Re: Starting out

Hi Flowerpower,
I didn't think about sending both letters at the same time , that's saved me some money!!!

Regarding "changing" my phone number if they've already got it ,it would be pointless giving them another number I would love to change my number but my OH uses this number for work (self employed ) .
Thanks for your helpful suggestions
Take care
Sosad xx

[jon1965]

Re: Starting out

That phone number certainly worked for me with Arden, they now just write about once every two weeks.

[Sosad]

Re: Starting out

Thanks MrsD , I wasn't too sure what to send them they've been constantly phoning my home number and I was on the verge of sending them a telephone harassment letter ,as they kept telling my OH that I was ignoring them, so by sending the sold in dispute letter it will let them know that I'm not ignoring them (if that makes sense !!!)
Take care
Sosad xxx

[MrsD]

Re: Starting out

I would pop off a sold in dispute, just to confuse them, Apex are a bit dim.

[Sosad]

Re: Starting out

[QUOTE=Sosad;182778]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 pay u
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[/QUOTE





I have received letter from Apex stating they believe I'm avoiding paying debt owed ,and that they utilize external data to profile accounts and they know I have the ability to pay this account. They also say that my account will be passed to their internal litigation team in order to consider the best course of action for recovery of debt. This may include legal action to obtain a sheriff court decree which they may then seek to enforce by way of an inhibition or earnings arrestment application.

Now I know this debt is enforceable and I'm blagging it should I send them account sold whilst in dispute letter or has anyone got any other suggestions? Thank you
Sosad xx

[Sosad]

Re: Starting out

Thanks Nightwatch and In 2 Deep really appreciate your swift replies, I will wait and see what they send next .
Take care xx

[Deepie]

Re: Starting out

Hi,
I've received a letter from bank of Scotland stating " as we haven't been able to agree a suitable repayment plan we've transferred your account to apex credit management ltd.,contact them as soon as possible". In the same envelope there was a letter from apex stating they have received instructions from our client to act as intermediary between you and bank of scotland etc.
I had sent bank of Scotland the threat to commence litigation letter .
Now what do I do? Any suggestions will be much appreciated xx

If it were me I would wait untill Apex contact you again........

[nightwatch]

Re: Starting out

Hi Sosad

I would wait and see what they send next. x
nw

[Sosad]

Re: Starting out

Hi,
I've received a letter from bank of Scotland stating " as we haven't been able to agree a suitable repayment plan we've transferred your account to apex credit management ltd.,contact them as soon as possible". In the same envelope there was a letter from apex stating they have received instructions from our client to act as intermediary between you and bank of scotland etc.
I had sent bank of Scotland the threat to commence litigation letter .
Now what do I do? Any suggestions will be much appreciated xx