Starting out

[IF]

Re: Starting out

Love good news me, well done sosad

[ScabHunter]

Re: Starting out

Hi all
just thought I'd pop in and let you know about a letter I received this morning it was from capquest (empire stores) they have decided to write off my debt due to all the misunderstanding regarding the account .
I'm really happy with this decision, i would like to say that without the help of all the people on this site I would never have had this outcome , thank you all so very much.
I know it's not a huge debt but it's a start.
Merry Christmas to all you lovely people.

Take care,
Sosad xx

That is wonderful news Sos Ad!

Sorry to be so long replying to your post, but I'm on holiday at the moment and I've been walking along the seafront for a few hours. Crappyquest are normally tenacious little critters and difficult to get rid of, so you have done exceedingly well.

May this be the first of many positive results in your journey back to stability and a solvent lifestyle, and may Crapquest be the first of many DCAs to get gutrot from the Sos Ad sausage machine!

SH

PS Let me know if you want me to resize that picture so you can use it as an avatar. Oh, and Merry Christmas to you as well. Feel free to pop into the Bankruptcy Arms for one of our many fine whiskies if you need an uplift.

[Deepie]

Re: Starting out

Really good christmas present indeed........

[diddlydee]

Re: Starting out

Fab news, Sosad!

Keep that letter nice and safe, and have yourself a lovely Christmas xxx

[Sosad]

Re: Starting out

Hi all
just thought I'd pop in and let you know about a letter I received this morning it was from capquest (empire stores) they have decided to write off my debt due to all the misunderstanding regarding the account .
I'm really happy with this decision, i would like to say that without the help of all the people on this site I would never have had this outcome , thank you all so very much.
I know it's not a huge debt but it's a start.
Merry Christmas to all you lovely people.

Take care,
Sosad xx

[Sosad]

Re: Starting out

Thanks as always for your quick responses Scabhunter I wish I was as sharp as you I will post that letter away at the end of the week ,and I will not become a "fanatic "!!!!! I'll just ignore Nelson's letter

Thanks so much, I must admit your fanatical comment made me laugh

Take care
Sosad xxx

[ScabHunter]

Re: Starting out

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

Definitely not in the way I think you mean.

Wasteclot/Nelson Pest are one of the most useless of all the DCAs, and wouldn't know the difference between an enforceable agreement and a second hand bog roll. The fact that they are "prepared to offer a discount to settle this account" suggests that they are a long way from thinking about ripping your backside off in a court room.

I would either ignore this silly "offer" and wait for the next threat, or simply send another copy of the missing PTs letter. It depends how fanatical you want to be about responding to absolutely everything they send.

If you do send anything, do so at the end of the week again.

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

[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

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

[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

[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

[The Tech Clerk]

Re: Starting out

Same difference it is meant to frighten you into submission,

[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

[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