Starting out

[ScabHunter]

Re: Starting out

Scabhunter ,I will get that SAR request sent away tomorrow ,or should I send the sold in dispute letter first?

Crapquest have issued a false "deadline" of 17th April, so there is no hurry for the SWID letter. As long as you can get it sent some time during the week of April 14th - 20th, I wouldn't worry about it.

SH

[Sosad]

Re: Starting out

Thanks Scabhunter I'll get that SAR request off then send sold in dispute later

Many thanks
Sosad xx

[Sosad]

Re: Starting out

Hiya ,
I have received a letter from wescot regarding a bank of Scotland account, they state that they have been contacted by their client and they're clients have provided me with all relevant documentation we now believe the dispute has been resolved and the full balance or an agreed monthly payment is required .


What would be my next best step ?
Thank you,
Sosad xx

[Pixie]

Re: Starting out

Hiya ,
I have received a letter from wescot regarding a bank of Scotland account, they state that they have been contacted by their client and they're clients have provided me with all relevant documentation we now believe the dispute has been resolved and the full balance or an agreed monthly payment is required .


What would be my next best step ?
Thank you,
Sosad xx

Hi

Did you get a cca for this?

I read back a couple of pages but couldn't find mention of it and don't have time to read right through the thread.

If you did, I would send Final Response - UE (CCA Received) - allaboutDEBT UK

If not, send one of the other Final Response templates (click on the Template drop down box)

[Sosad]

Re: Starting out

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


December 8th Received letter from Nelson Guest &Partners as a final attempt to avoid further action they are prepared to offer a discount.
Ignored.

May 11th. Received letter from wescot stating they have been advised by barclaycard that all relevant documentation has been provided to me they believe the dispute is resolved and I skould pay in full or make arrangements to pay monthly

This is the account Pixie , I've been blagging it for ages thanks for your reply
Sosad xx

[Sosad]

Re: Starting out

Hiya,


Received a letter from wescot regarding a Sainsburys account .they say that. " their client has agreed that wescot can offer me a discount to settle account .they also state unless a suitable arrangement plan is reached within 10 days of the date of this letter , further recovery action will be taken".

Should I ignore this letter and see what they send or send a sold in dispute letter or is this not the correct reply...???? HELP!!!!!!!
Thank you
Sosad xxx

Ps.Niddy deemed this account unenforceable .

[Deepie]

Re: Starting out

Hiya,


Received a letter from wescot regarding a Sainsburys account .they say that. " their client has agreed that wescot can offer me a discount to settle account .they also state unless a suitable arrangement plan is reached within 10 days of the date of this letter , further recovery action will be taken".

Should I ignore this letter and see what they send or send a sold in dispute letter or is this not the correct reply...???? HELP!!!!!!!
Thank you
Sosad xxx

Can you link me to some history please.....

[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 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
May 18th. Received letter from wescot stating that their client ( sainsburys) has agreed that wescot can offer me a discount to settle account doesn't say how much !!! They also state" unless a suitable arrangement plan is reached within 10 days of the date of this letter further recovery action will be
taken."

Hi Deepie
This is the account
Thank you for your quick response

Sosad xx

[Deepie]

Re: Starting out

Hi Deepie
This is the account
Thank you for your quick response

Sosad xx

OK Thanks ....If it were me I'd just see what they send next.....

[Sosad]

Re: Starting out

Thanks Deepie

I'll do as you suggest ,their letter wasn't the best it got me a bit confused ( doesn't take much!!!!)

Thank you
Sosad xx

[ScabHunter]

Re: Starting out

Offering a discount without saying how much seems like a ruse to try to get you to phone them to find out. Or is that kind of trickery a bit too clever for Wasteclot? Either way, just letting this one go and waiting for the next one is definitely the right way to go.

SH

[Sosad]

Re: Starting out

Hiya Scabhunter,

Thanks for your reassurance ,the letter contained a little more than I put in it didn't seem to make much sense .I will wait and see what they send next thanks for your input ,much appreciated .


Sosad xx

[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



January 29th ; Received letter from Robinson Way asking me to contact them to discuss proposals for repayment of outstanding balance


29th January. Sent "sold in dispute" letter
20th April Received letter from Robinson way stating they are returning account to barclaycard

May 21st: Received letters from barclaycard and mkpd. .Barclaycard notifying me that they have assigned this account to MKPD
MKPD advising me that they are now the owner of the due debt.

Hiya,
Received two letters today( in same envelope.) One from Barclaycard stating that they have assigned the account to MKPD ,the other letter was from MKPD stating they are now the owner of the due debt . Are Barclaycard and MKPD the same company ,and should I just wait to see what MKPD send me next??


Any suggestions much appreciated

Thank you
Sosad xx

[Deepie]

Re: Starting out

Hiya,
Received two letters today( in same envelope.) One from Barclaycard stating that they have assigned the account to MKPD ,the other letter was from MKPD stating they are now the owner of the due debt . Are Barclaycard and MKPD the same company ,and should I just wait to see what MKPD send me next??


Any suggestions much appreciated

Thank you
Sosad xx

I would send this to MKPD if it were me----->Account Sold whilst in Dispute

[Sosad]

Re: Starting out

Thanks Deepie,

I'll get that letter sent off asap
Sosad xx