Starting out

[Pixie]

Re: Starting out

You can access them by clicking on the Old Forum tab. I don't think Niddy's transferred them across yet.

[IF]

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

You can access them by clicking on the Old Forum tab. I don't think Niddy's transferred them across yet.

Templates top left of forum are not currently clickable, Nid is aware and working as we speak, please bear with us Sosad

[Sosad]

Re: Starting out

Thank you If and Pixie,

I thought it was me being stupid as I'm not very clever around technology . I've got ten days to respond to Robinson Way.
Sosad xx

[garlok]

Re: Starting out

Hi Pixie and IF. I clicked the Templates button here without thinking to check the second final response letter suggesed and it came up OK, however the link didn't come across in my post. Must have caught the transfer moment l

regards
G

[IF]

Re: Starting out

Templates working now

[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

May16th. Received letter from Sainsburys stating" we are unable to trace the reconstituted version of the executed agreement and
Are therefore not in a position to provide a copy at this time. However ,we did provide a copy of the signed application form and current terms and conditions . We are satisfied the terms and conditions of the agreement were on the reverse
of the application form ,therefore you had sight of these details when you signed and accepted the terms".

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
I

June 28yh Received letter from sainsburys stating they have transferred sainsburys debt to Moorcroft

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 2nd July, 2012.

July 19th. Received letter from moorcroft stating "follow -up action will be suspended on your account and we will endeavour to provide you with an appropriate response"

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 per month .I need to respond within 7 days

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 8th 2013: Received letter from Sainsburys stating they have transferred account to Wescot.

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

June 17th. Received letter from wescot stating they are arranging a doorstep collector to come to my door and discuss payments towards this account

June 19th. Sent letter that Scabhunter very kindly " composed" for me, stating that I do not wish to talk to doorstep collectors

July 15th ; Received letter from Wescot they have sent me an application form plus T&Cs from Sainsburys ,they have asked me contact them to discuss payments to this account

July 19th; Sent final response UE ( CCA received letter to Wescot,

Hiya,

Received letter from Wescot a bit long winded but the gist of it states "whist I appreciate you requested a "true copy" of the original agreement I can confirm with you yet again that the document sent to you by our client complies with section 78 of the Consumer
Credit Act 1974 as it contains all relevant terms. We are confident that your CCA request has been fully responded to ,the account is on hold for 30 days to allow time for payment proposals ,if you feel there is still a dispute please provide full details".

What details will they be looking for,and what should I respond with???
Thank you,
Sosad xx

[garlok]

Re: Starting out

As Niddy has deemed this account to be UE I would be considering a one liner referring to your letter of the 19th. I have never had a Sainsbury's account (bank or card, supermarket has rip off prices for a start) but as far as I can ascertain the card business and banking is all underwritten by the biggest crooks of the lot Barclays. Hence all business you have to deal with concerning Sainsbury's will follow pretty closely that of Barclaycard's behaviour. Wescots next port of call before returning the thing to Sainsbury's will a try on with their tame solicitors letter head for rent Nelson Guest.

I have often thought of telling them follow the line in the infamous Arkell v Pressdram case. (eff off)

regards
G

[MrsD]

Re: Starting out

Sainsbury's was HBOS. have you send the letter telling them that that they have previously admitted not having the signed agreement? I've fobbed everyone off from my Sainsbury's account with this.

[Sosad]

Re: Starting out

Hiya and thank you for your replies,

MrsD. I haven't sent wescot the letter about sainsburys admitting they cannot trace the reconstituted version of the executed agreement should I send them a copy of this letter ??

Thank you
Sosad xx

[garlok]

Re: Starting out

Roger Davis is currently Chairman of Sainsbury's Bank, with a full CV of Barclays involvement including CEO Barclays UK Banking, Barclays Capital Asia to name but a couple and a number of other positions.

regards
G

[MrsD]

Re: Starting out

Hiya and thank you for your replies,

MrsD. I haven't sent wescot the letter about sainsburys admitting they cannot trace the reconstituted version of the executed agreement should I send them a copy of this letter ??

Thank you
Sosad xx

I most certainly would, if you have one of these, it's the first thing to send when a new DCA contacts you.

ww.all-about-debt.co.uk/index.php/template-letters/unenforceability/s2-receiving-letters/124-letter-previously-confirming-no-cca

there you go.

[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 11th. Received letter from Bank of Scotland they are stating they have fully complied with my CCA request and go on to break down the reasons they believe so ,also reminding me to make payments etc.

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

July 27th; Received letter from Robinson Way stating their client sent a final response
dated 11/07/2012 therefore without further dispute they require a proposal
of payment.

July 30th.: Sent Final Response (CCA received ) letter

Hiya,
Received letter from Robinson Way stating "we are satisfied that the documentation provided is sufficient to demonstrate
Liability and we will not enter into repetitive correspondence regarding this.

Your data will continue to be processed in line with the principles of the Data Protection Act 1998 and the account will continue to be reported to the credit reference agencies ,where appropriate .If you neglect to make payment to us ,further action may be taken against you.

What would be my next best step bearing in mind that this account is enforceable and they may take further action

Thank you
Sosad xx

[vint1954]

Re: Starting out

I would wait to see what they send next

[Sosad]

Re: Starting out

Thank you for your reply Vint1954

I'll do. As you suggest I did notice they said May take further action ,but I'm a coward and need reassurance !!
Thank you
Sosad xx

[vint1954]

Re: Starting out

Don't worry, it is the usual format.

Wait until they contact you again