Starting out

[Enforcer]

Re: Starting out

Either ignore for now, or, as I have done in the past, write to them explaining that this is account is still in dispute as prescribed terms are missing. If you really want to resolve this matter I suggest that you proceed with court action. I do hope that you have sufficient money in your account to pay all costs when you lose. Due to; "missing prescribed terms".

Otherwise, I suggest that you pass this account back.

Yours
Sosad

[vint1954]

Re: Starting out

Hiya,
Received letter from Wescot today regarding this account they have sent me Sainsburys application form, terms and conditions , then go on to state that payment is now required what would be my next best step?
Thanking you in advance for any suggestions.
Sosad xx

I would send the documents off to Niddy

[fluffystuff]

Re: Starting out

I would send the documents off to Niddy

I think Niddy has already seen them Vint - unenforceable.

Please correct me if I'm wrong Sosad.

[Pixie]

Re: Starting out

I think Niddy has already seen them Vint - unenforceable.

Please correct me if I'm wrong Sosad.

Yes, according to Sosad's post, Niddy said UE on 9th May last year.

I think I would send the "creditor refusal to accept UE status-cca received" template (sorry, don't know how to copy and paste links on my tablet...really should learn!)

[fluffystuff]

Re: Starting out

Do you mean this..............

Final Response - UE (CCA Received) - allaboutDEBT UK

[Sosad]

Re: Starting out

Thank you all so very much for your responses

Niddy did say that the CCA was unenforceable ,I didn't quite know how or if to respond to their letter , I will respond with the letter suggested as I don't think this company will let you ignore them for very long

Thank you
Sosad xx

[Never-In-Doubt]

Re: Starting out

Do you mean this..............

Final Response - UE (CCA Received) - allaboutDEBT UK

I would send that, to Wescot - yes.

[Sosad]

Re: Starting out

Thank you Niddy that's the one I will send ,I hope all is well with you
Sosad xx

[vint1954]

Re: Starting out

I think Niddy has already seen them Vint - unenforceable.

Please correct me if I'm wrong Sosad.

Excelent

[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 Bank of Scotland that all relevant documentation has been provided to me they believe the dispute is resolved and I should pay in full or make arrangements to pay monthly.

[COLOR="black"]May 17th. Sent Final Response - UE letter to Wescot[/

May 31st. Received letter from wescot stating " we acknowledge the query raised and would like to confirm how this will be investigated etc .

June 19th. Received letter from bank of Scotland stating that they have transferred this account to a debt collection agency Robinson way

June 20th. Received letter from Robinson Way stating they will be in touch to discuss repayment options

July 3rd Sent "sold in dispute" letter to Robinson Way

July 8th. Received letter from Robinson Way stating if they don't hear from me within 10 days they will put this account into the hands of their solicitors

YJuly 10th. Sent one liner letter to Robinson Way telling them to refer to my letter dated 3rd July

Hiya,

Received letter from Robinson Way they enclosed a letter sent to me from Bank of Scotland dated 11th July 2012, where it states that they have complied with my request for CCA and my dispute was unfounded .
Robinson Way have stated as there is no dispute They now require a payment proposal I have ten days to respond

What would be my next best step?
Thank you
Sosadxx

[Pixie]

Re: Starting out

I take it you're blagging this?

I'd be sending http://www.all-about-debt.co.uk/inde...cept-ue-status to Robinson Way.

[garlok]

Re: Starting out

H'mmmmm Robbing Dogs on the case now. Without reading the whole of the thread I might be tempted to send them this:-

http://www.all-about-debt.co.uk/inde...cept-ue-status

This is the first option followed by this one: Final Response - UE (CCA Received) - allaboutDEBT UK if they refuse (as they will knowing Robbing Dogs. They will then pass it to their tame and toothless solicitors letter heading for rent, an outfit called Horwich-Farrelly if memory serves correctly. They might be a bit persistent this lot but they do go away when faced with resistance from here.

regards
G

[garlok]

Re: Starting out

beat me to it again Pixie l

regards
G

[Pixie]

Re: Starting out

beat me to it again Pixie l

regards
G

But you gave a fuller answer

[Sosad]

Re: Starting out

Hi
Thank you for your replies ,much appreciated.
I'll send the letter you both quoted if I can get into the templates !!! I don't seem able to get into the templates

Thank you
Sosad xx