Starting out

[Deepie]

Re: Starting out

Hi there Sos Ad!

It doesn't look as though this one has yet been sold, so you are just dealing with an endless stream of equitable assignees. This current rabble are one of the most useless of all, so I would definitely keep going with your current strategy.

I agree with Mrs. D, start at the beginning and send this -

Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms



Interesting! When I didn't link to the templates, Niddy gave me one of these -



Would he dare to do that to one of his own mods, I wonder?

SH

Not to MrsD he wouldn't anybody else yes............

[Sosad]

Re: Starting out

Thanks MrsD, I'm blagging it , they did send a cca, Niddy deemed it enforceable .I'll send letter you suggested and see what they come back with

Thanks Scabhunter and In 2 Deep, your input is always appreciated
Take care
Sosad xxx

[MrsD]

Re: Starting out

such a wise man, that mod of mine, Deepie

[Sosad]

Re: Starting out

Empirestores (catalogue) now dealing with N.D.R
Taken out 1999ish

Balance £344

Date last full payment 2009.
April 12th cancelled dmp payments and requested cca.
May 4th received letter requesting me to contact them
Should I send them another letter regarding my cca request ?
July 2nd received default notice from NDR also stating they require payment of outstanding balance, no later than 9/7/12.
October 10th. Received letter from Capquest stating empire have sold my account to them , they're looking for payments and "if I fail to comply they will not hesitate to utilise the legal system to it's full extent ""quite threatening .Should I reply with account in dispute letter? Thanks in advance for any suggestions

October 11th, Posted account in dispute letter.

October 11th received letter from empire stores a " letter of assignment"

I have received a letter from capquest stating my account is now being processed for legal action they are suggesting an arrangement to pay ie I pay an amount and they will credit my account to 30% !!!
Should I post account in dispute letter to them ??
Thanks in advance
Sosad xx

[nightwatch]

Re: Starting out

Hi Sosad

have you not already sent a, Sold in dispute, letter to Crapvest.
if so I would sent Threat of legal action template letter to them
you still await your CCA.

NW

[jon1965]

Re: Starting out

Beat me to it NW

[Pixie]

Re: Starting out

Empirestores (catalogue) now dealing with N.D.R
Taken out 1999ish

Balance £344

Date last full payment 2009.
April 12th cancelled dmp payments and requested cca.
May 4th received letter requesting me to contact them
Should I send them another letter regarding my cca request ?
July 2nd received default notice from NDR also stating they require payment of outstanding balance, no later than 9/7/12.
October 10th. Received letter from Capquest stating empire have sold my account to them , they're looking for payments and "if I fail to comply they will not hesitate to utilise the legal system to it's full extent ""quite threatening .Should I reply with account in dispute letter? Thanks in advance for any suggestions

October 11th, Posted account in dispute letter.

October 11th received letter from empire stores a " letter of assignment"

I have received a letter from capquest stating my account is now being processed for legal action they are suggesting an arrangement to pay ie I pay an amount and they will credit my account to 30% !!!
Should I post account in dispute letter to them ??
Thanks in advance
Sosad xx

Have you ever received a cca from Empire Stores? If not, it might be an idea to send Our Templates | Unenforceability Templates | Final Response - Unenforceability (No CCA Received)

Is the letter you received from Capquest headed Letter Before Action?

[ScabHunter]

Re: Starting out

Hi there Sos Ad!

What a shame you missed the St. Andrew's day celebrations, I'm sure they would have been right up your street.

allaboutFORUMS - View Single Post - The Bankruptcy Arms ~ Part 8

That is an absolutely ridiculous letter. Firstly, it threatens legal action in no uncertain terms, then it flags desperation by making silly offers. This is typical Crapquest, and is a virtually certain sign of a bluff.

However, as it specifically states that the alleged account is being prepared for legal action, I would respond with this -

Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

and keep the final response in reserve.

It is a perfectly valid response, though. It is really up to you which way you want to play it.

I think it is time that Sos Ad had her own Sos Ad! A sort of "Sos Ad squared". How about this? -

SH

[Sosad]

Re: Starting out

Hi all ,and as always thanks for your swift replies .

I sent a cca request 22nd march 2011, they responded with " unfortunately we are unable to locate a copy of executed agreement ,but for your information we enclose a copy of current agreement which applies to this type of account".
I requested Cca 12th April 2012 which they didn't respond to .

I know it's a small amount but it's the principle this account was sitting at £112 when I first got into difficulty paying and they have been adding charge after charge ,they've had me in tears with their threats I did offer to pay a monthly reduced rate which they point blank refused ,thats when I decided to go down the unenforceable route
Sorry for the rant I feel so stressed at the moment but thank you all for being so helpful and adding a bit of light relief (Scabhunter!!!)


Yes Nightwatch I sent an account in dispute letter to capquest


Forgot to mention Pixie the letter is not headed "letter before action " it's in the first line of the letter it states my account is being processed for legal action.

Thanks
Sosad xx

[The Tech Clerk]

Re: Starting out

Same difference it is meant to frighten you into submission,

[ScabHunter]

Re: Starting out

I feel so stressed at the moment

There's definitely no need to feel stressed by this one. These catalogue debts are nearly always UE, and this one is no exception.

I did offer to pay a monthly reduced rate which they point blank refused ,thats when I decided to go down the unenforceable route

In that case they are very silly. Own goal!

I sent a cca request 22nd march 2011, they responded with " unfortunately we are unable to locate a copy of executed agreement ,but for your information we enclose a copy of current agreement which applies to this type of account".

Keep that response safe, as it amounts to an admission that the alleged account is unenforceable while the current situation endures. At some point, it may be worth sending a copy of that response to Crapquest.

If it was me in this situation, I would respond with the legal threat template I linked to above, so I could keep the No CCA letters in reserve. In the future, I would respond with this -

Our Templates | Unenforceability Templates | CCA Query - Letter Previously Confirming No CCA

and attach a copy of that letter from March admitting no CCA. If they still kept coming after that, I would send the final response which Pixie has linked to.

SH

[Sosad]

Re: Starting out

Thanks for replies ,
I think I'll go with the one you suggested Scabhunter ,as you say I can always come back and use the no CCA against them.

Hi Tech Clerk I know they're trying to frighten me and it works I'm a scaredy cat!! I panic, then I come to this forum looking for support and solutions , which is what the good people on this forum give me thanks for your input much appreciated .
Take care
Sosad xx

[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 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

Hi received this letter from moor croft at the top it has "important information-possible further action". It then goes on to state " to prevent possible further debt recovery please send your payment proposal before 13/12/12 what would be my next best step as always suggestions are really appreciated
Sosad x

[ScabHunter]

Re: Starting out

Hi received this letter from moor croft at the top it has "important information-possible further action". It then goes on to state " to prevent possible further debt recovery please send your payment proposal before 13/12/12 what would be my next best step as always suggestions are really appreciated
Sosad x

This lot really are incredibly stupid. I would just send them another one line letter referring to the Account Sold In Dispute letter, and enclose a copy of that letter.

"Dear Morons,

I am in receipt of your letter of xx/xx/xxxx.

I refer you to my letter of 3rd July 2012, which does not appear to have been read or actioned. I enclose a copy of this letter for your perusal and convenience.

Up Yours,

Sos Ad."

Ignore their silly "deadline", and post the letter at the end of the week. That should stop them doing anything else daft before the Christmas break.

SH

[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 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[/QUOTe



Also received this letter from Nelson Guest& Partners Solicitors.
As a final attempt to avoid further action Wescot is prepared to offer a discount to settle this account .As this account is enforceable do you think I should contact then
Thanks
Sosad x