Starting out

[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.

January 10th. Received letter from Capquest stating they have been assigned the account and asking me to contact them with arrangements to pay

January 14th ;Sent"sold in dispute " letter to Capqest

Hiya
I have received letter and masses of paperwork including the cca agreement from capquest in their letter they state They have complied fully with my requests and this is their final response on the matter as this cca is enforceable should I start offering them payments .
Any suggestions really appreciated
Thank you
Sosad x

[Sosad]

Re: Starting out

Thank you as always your input is much appreciated I agree it is strange ,I didn't know what to think I'll do as you advise and will not file these letters until I hear back from them.
Thank you and I hope all is well with you
Sosad xx

[ScabHunter]

Re: Starting out

Hiya,
I sent a letter to wescot re: account sold in dispute letter ,I have received my letter back with a letter from Halifax stating I have not quoted a valid reference number I did put wescot's ref number in my letter to them so it looks like they sent my letter direct to Halifax .
The last paragraph states that they are unable to provide documentation as requested , I didn't request any documentation !!!
I'm confused what are your thoughts on this matter or should I just ignore??
Thank you
Sosad xx

There is something really strange going on there.

If it was me, I would retain what you have as evidence of their incompetence, and wait for the next communication. The facts can always be pointed out to them once they start harassing again.

SH

[Sosad]

Re: Starting out

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 pay
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 agreemen

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 December ; Received letter 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!!!)


December 29th. ; 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 " account sold in dispute" letter



January 17th: Received letter from Wescot acting for Sainsbury looking for payment of balance

January 22nd: Sent "sold in dispute " letter to wescot

January 26th: Received letter from wescot stating they have not received a reply to their previous correspondence ,they have
given me 10 days to agree to repay full balance, if they don't receive a reply they will take further action
Ignore.

January 30th: Received letter from Wescot stating they are investigating my query, account on hold

Hiya,
I sent a letter to wescot re: account sold in dispute letter ,I have received my letter back with a letter from Halifax stating I have not quoted a valid reference number I did put wescot's ref number in my letter to them so it looks like they sent my letter direct to Halifax .
The last paragraph states that they are unable to provide documentation as requested , I didn't request any documentation !!!
I'm confused what are your thoughts on this matter or should I just ignore??
Thank you
Sosad xx

[Sosad]

Re: Starting out

Ok thank you Scabhunter I will post the "sold in dispute "letter off today ,I understand what your saying about the no CCA letter .

Take care
Sosad xx

[ScabHunter]

Re: Starting out

Hi
Received letter from Robinson Way the account has been passed to them ,they want me to contact them to discuss payment of the account .
Should I send them no CCA been received or account in dispute letter ?
Thank you
Sosad xx
.

I would definitely send the A/C Sold in Dispute letter -

Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

because the No CCA letter refers to a situation where the alleged creditor has acknowledged that no CCA exists. From what you have given us here, that doesn't appear to be the case.

SH

[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.

August 9th Received letter from barclaycard stating they will no longer accept any communication from me they have passed my account to Allied International Credit

Hi
Received letter from Robinson Way the account has been passed to them ,they want me to contact them to discuss payment of the account .
Should I send them no CCA been received or account in dispute letter ?
Thank you
Sosad xx
.

[Sosad]

Re: Starting out

Thanks for your post SaltnVinegar,
Now that you've pointed things out to me it I can see how unprofessional the letter looks ,perhaps their brain cells are already overheated!!!
Take care
Sosad xx

[SaltnVinegar]

Re: Starting out

January 26th: Received letter from wescot stating they have now confirmed I am still resident at this address !!!!! (doesn't make sense) but we have not received a reply to our previous correspondence .

Its just bullshit weasel words intended to frighten you that they have been 'investigating' you. Think about it. Confirmed with who? They could have confirmed it with my dog for all you know

If I don't reply within thenext ten days they will proceed with further collection activity . I did write to them do I presume that our letters have crossed in the post and ignore or send another letter to them?
Thanks
Sosadxx

Further collection activity - aka send another letter

Letters definitely crossed in the post. Wait for a response to your 'sold in dispute' letter. If you send them too much correspondence you will overheat their braincells

[Sosad]

Re: Starting out

Thanks Scabhunter,
I didn't get too stressed with this one (Is that a good sign??) I did think the letters got crossed in post, I just needed confirmation from people in the know .
Take care
Sosadxx


Ps. Well done on becoming a moderator xx

[ScabHunter]

Re: Starting out

January 26th: Received letter from wescot stating they have now confirmed I am still resident at this address !!!!! (doesn't make sense) but we have not received a reply to our previous correspondence .

If I don't reply within thenext ten days they will proceed with further collection activity . I did write to them do I presume that our letters have crossed in the post and ignore or send another letter to them?
Thanks
Sosadxx

If it was me I would ignore. If you only received this on the 26th, it has almost certainly crossed in the post with the one you posted on the 22nd. DCA post tends to arrive slowly, for more than one reason. They use cheap services, and they are also fond of using a dishonest technique where they give the recipient a deadline knowing that the letter will arrive too late for them to respond in time.

It is just another routine threat. What does "further activity" mean, anyway? I'd just leave it to see what comes next.

SH

[Sosad]

Re: Starting out

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 pay
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 December ; Received letter 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!!!)

December 29th. ; 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 " account sold in dispute" letter


January 17th: Received letter from Wescot acting for Sainsbury looking for payment of balance

January 22nd: Sent "sold in dispute " letter to Wescot

January 26th: Received letter from wescot stating they have now confirmed I am still resident at this address !!!!! (doesn't make sense) but we have not received a reply to our previous correspondence .

If I don't reply within thenext ten days they will proceed with further collection activity . I did write to them do I presume that our letters have crossed in the post and ignore or send another letter to them?
Thanks
Sosadxx

[jon1965]

Re: Starting out

Nah just a
Dear Sir
GFY

[The Tech Clerk]

Re: Starting out

A little combination of Niddys well thought out and eloquent passage with the addition of SH's final paragraph would have been my choice, but then, I'm not known for being tactful OR for being ladylike

Um!!! oopppssss

[diddlydee]

Re: Starting out

A little combination of Niddys well thought out and eloquent passage with the addition of SH's final paragraph would have been my choice, but then, I'm not known for being tactful OR for being ladylike