Fredbares UE Diary

[Deepie]

Re: Fredbares UE Diary

Catalogue Tocatto
Approx amount 1000
Date started 2004
Status Not paying
Date Last Paid Aug 2011
Owner JDWilliams

Asked if they could change payment date as I was finding it difficult to pay on a 4 weekly basis. Request refused and charges were applied. Stopped paying and ignored. Various letters came from their arrears dept also ignored.

December 2011 letter from reliable telling me an appointment has been made to contact me at my home on wednesday? No date.

Sent letter to reliable asking who they had made appointment with as it wasnt me.
The name of the agent who had made the appointment. What was discussed. Date and time appointment was made. Also told them no doorstep visits everything in writing.
No reply to that except a nice letter wanting to help me. Why couldnt they do that in the beginning?
Sent cca letter
Received a True Copy of agreement and transaction history.
Few more letter from reliable, conduct unacceptable etc
Received notice of potential court action.
Letter from Tocatto April their acting on behalf of jd williams. They also noted a pound was paid into the account in Jan. This was the pound I paid for the CCA and was reversed back out, its in the transaction history.
I have not replied to this yet.

Agreements sent to Niddy
Niddy says unenforceable send account sold in dispute letter
Sent letter

Received another letter from tcatto giving 7 days to pay or recommend court action, home visit etc. I looked for these people, other site says they are part of lowell. Phone calls have started again too.

I Would send them this------->Threat by Creditor - Threat-o-Gram Letter Before Action

[fredbare]

Re: Fredbares UE Diary

[QUOTE=in 2 deep;194995]I Would send them this------->Threat by Creditor - Threat-o-Gram Letter Before Action

Thank you in2deep have done as suggested.

[fredbare]

Re: Fredbares UE Diary

Account: Current Account Overdraft
Date Commenced: 1994
Balance: 1400 approx All Charges
Last paid: Late 2009
Status: Closed I assume as they demanded full balance
Account Owner: HSBC
DCA: Metropolitan Collections, DG Solicitors, Central Debt Recovery


November 2009 Reclaimed Bank Charges
December 2009 HSBC replied and put on hold for Bank Charge Case
December 2009 Letter from HSBC advising overdrawn
December 2009 Letter from HSB refusing Bank Charge Claim
May 2010 Letter from Metropolitan, they have been instructed to collect, 7 days to pay up or else, ignored
June 2010 Letter from Metropolitan, you have failed to pay
June 2010 Sent CCA request to Metro
July 2010 Letter from Metro claoming part v exemption and pay up in 14 days, ignored
July 2010 Sent SAR to HSBC, received acknowledgement of SAR
August 2010 Letter from DG pre sue unit 14 days to pay, ignored
September 2010 Picked up SAR, loads of computer print outs that I didnt understand and some copy letters and internal log
September 2010 Letter from DG Urgent I respond or legal action will commence
Septemeber 2010 Sent letter to HSBC non compliance of SAR wanted terms and conditions etc
September 2010 Sent letter to DG Account in dispute due to non compliance of sar and bank charges
September 2010 Letter from DG offering discount and one putting account on hold for 4 weeks
October 2010 Complaint sent to ICO for non compliance of sar, informed HSBCOctober 2010 Letter from HSBC, sorry I was dissatisfied, SAR was sent to me and can escalate my concerns if I want to
November 2010 Letter sent to HSBC, I was not happy, still not received documents I asked for
December 2010 Letter from DG saying Bank had sent final response and enclosing an income and expenditure sheet to fill in for repayment proposal, ignored
January 2011 Letter sent to DG advising still in dispute and asking for original facility letter
January 2011 Another discount offer letter from DG, ignored
February 2011 Letter from CDR, referred for immediate collection, ignored
February 2011 ICO requested more information, sent them copies
March 2011 Letter received from CDR we will be calling you on xx date please call usignored
April 2011 Final Offer of a discount from CDR
April 2011 Letter from CDR Despite previous reminders etc, no option but to take further action and enclosing a standing order mandate to pay monthly?
May 2011 Sent letter to CDR, no doorstep visits, writing only, account in dispute
May 2011 ICO not upheld my complaint, HSBC complied and to ask the bank direct for the facility letter as it wasnt in my original sar and they didnt have to provide it, and HSBC wanted clarification on what a faciility letter is?
May 2011 Letter from Metropolitan in reply to my letter to CDR in May, apologising, no doorstep visits will be made, telephone details removed etc

February 2012 Letter from CDR, payment overdue??? imperative to pay within 24 hours, please telephone us
May 2012 Letter from CDR, another generous offer of a discount, upon receipt cra files will be marked as satisfied. Thought they had sent a final offer letter in april, oh yes they did!

Up to date, I cant believe its been 3 years since they started this nonsense, if they had accepted my offer of monthly installments in the beginning instead of ignoring my requests it would have been paid a long time ago. I think I will completely ignore this now, unless anyone can advise me further.

Thank you for persevering. hope I spelt that right.

Fredbare

Received letter advising account being sent to Westcott, also asking if I havent heard from Westcott in the next 14 days could I get in touch to let them know!!!

[fredbare]

Re: Fredbares UE Diary

Account: Current Account Overdraft
Date Commenced: 1994
Balance: 1400 approx All Charges
Last paid: Late 2009
Status: Closed I assume as they demanded full balance
Account Owner: HSBC
DCA: Metropolitan Collections, DG Solicitors, Central Debt Recovery


November 2009 Reclaimed Bank Charges
December 2009 HSBC replied and put on hold for Bank Charge Case
December 2009 Letter from HSBC advising overdrawn
December 2009 Letter from HSB refusing Bank Charge Claim
May 2010 Letter from Metropolitan, they have been instructed to collect, 7 days to pay up or else, ignored
June 2010 Letter from Metropolitan, you have failed to pay
June 2010 Sent CCA request to Metro
July 2010 Letter from Metro claoming part v exemption and pay up in 14 days, ignored
July 2010 Sent SAR to HSBC, received acknowledgement of SAR
August 2010 Letter from DG pre sue unit 14 days to pay, ignored
September 2010 Picked up SAR, loads of computer print outs that I didnt understand and some copy letters and internal log
September 2010 Letter from DG Urgent I respond or legal action will commence
Septemeber 2010 Sent letter to HSBC non compliance of SAR wanted terms and conditions etc
September 2010 Sent letter to DG Account in dispute due to non compliance of sar and bank charges
September 2010 Letter from DG offering discount and one putting account on hold for 4 weeks
October 2010 Complaint sent to ICO for non compliance of sar, informed HSBCOctober 2010 Letter from HSBC, sorry I was dissatisfied, SAR was sent to me and can escalate my concerns if I want to
November 2010 Letter sent to HSBC, I was not happy, still not received documents I asked for
December 2010 Letter from DG saying Bank had sent final response and enclosing an income and expenditure sheet to fill in for repayment proposal, ignored
January 2011 Letter sent to DG advising still in dispute and asking for original facility letter
January 2011 Another discount offer letter from DG, ignored
February 2011 Letter from CDR, referred for immediate collection, ignored
February 2011 ICO requested more information, sent them copies
March 2011 Letter received from CDR we will be calling you on xx date please call usignored
April 2011 Final Offer of a discount from CDR
April 2011 Letter from CDR Despite previous reminders etc, no option but to take further action and enclosing a standing order mandate to pay monthly?
May 2011 Sent letter to CDR, no doorstep visits, writing only, account in dispute
May 2011 ICO not upheld my complaint, HSBC complied and to ask the bank direct for the facility letter as it wasnt in my original sar and they didnt have to provide it, and HSBC wanted clarification on what a faciility letter is?
May 2011 Letter from Metropolitan in reply to my letter to CDR in May, apologising, no doorstep visits will be made, telephone details removed etc

February 2012 Letter from CDR, payment overdue??? imperative to pay within 24 hours, please telephone us
May 2012 Letter from CDR, another generous offer of a discount, upon receipt cra files will be marked as satisfied. Thought they had sent a final offer letter in april, oh yes they did!

Up to date, I cant believe its been 3 years since they started this nonsense, if they had accepted my offer of monthly installments in the beginning instead of ignoring my requests it would have been paid a long time ago. I think I will completely ignore this now, unless anyone can advise me further.

Thank you for persevering. hope I spelt that right.

Fredbare

Received letter advising account being sent to Westcott, also asking if I havent heard from Westcott in the next 14 days could I get in touch to let them know!!!

Received letter from westcott advising their collecting on behalf of hsbc and to get in touch if any queries. Should I respond to this? advice welcome. Thank you

[Pixie]

Re: Fredbares UE Diary

If it were me I'd just wait until I heard from Westcott and then send Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

[fredbare]

Re: Fredbares UE Diary

Thank you Pixie will do as you suggest.

[fredbare]

Re: Fredbares UE Diary

Catalogue Tocatto
Approx amount 1000
Date started 2004
Status Not paying
Date Last Paid Aug 2011
Owner JDWilliams

Asked if they could change payment date as I was finding it difficult to pay on a 4 weekly basis. Request refused and charges were applied. Stopped paying and ignored. Various letters came from their arrears dept also ignored.

December 2011 letter from reliable telling me an appointment has been made to contact me at my home on wednesday? No date.

Sent letter to reliable asking who they had made appointment with as it wasnt me.
The name of the agent who had made the appointment. What was discussed. Date and time appointment was made. Also told them no doorstep visits everything in writing.
No reply to that except a nice letter wanting to help me. Why couldnt they do that in the beginning?
Sent cca letter
Received a True Copy of agreement and transaction history.
Few more letter from reliable, conduct unacceptable etc
Received notice of potential court action.
Letter from Tocatto April their acting on behalf of jd williams. They also noted a pound was paid into the account in Jan. This was the pound I paid for the CCA and was reversed back out, its in the transaction history.
I have not replied to this yet.

Agreements sent to Niddy
Niddy says unenforceable send account sold in dispute letter
Sent letter

Received another letter from tcatto giving 7 days to pay or recommend court action, home visit etc. I looked for these people, other site says they are part of lowell. Phone calls have started again too.

[QUOTE=in 2 deep;194995]I Would send them this------->Threat by Creditor - Threat-o-Gram Letter Before Action[/QUOTE

Update

Letter received from Tocatto. They have completely ignored the letters I sent anf have passed the account to third party Carringtons? They will access my account and consider further steps. They will obtain copy of cra file. Then go on to advise about court action, bailiffs, charging orders, attachment of earnings (they'l be lucky) and bankruptcy. I have tried to find info on the net about carringtons and have found a firm called dallyn & co based in carrington retail park manchester. Cant find anything else about them, never heard of them before.

The letter from tocatto also states possible legal action but they are still willing to accept installments or a full and final offer, if I accept they will stop all action on the account. They have given me 15 days to reply before the account is passed on to carringtons.

I would be very grateful for any advice on what to do next. Thank you.

Fredbare

[Deepie]

Re: Fredbares UE Diary

[QUOTE=fredbare;203026]

I Would send them this------->Threat by Creditor - Threat-o-Gram Letter Before Action[/QUOTE

Update

Letter received from Tocatto. They have completely ignored the letters I sent anf have passed the account to third party Carringtons? They will access my account and consider further steps. They will obtain copy of cra file. Then go on to advise about court action, bailiffs, charging orders, attachment of earnings (they'l be lucky) and bankruptcy. I have tried to find info on the net about carringtons and have found a firm called dallyn & co based in carrington retail park manchester. Cant find anything else about them, never heard of them before.

The letter from tocatto also states possible legal action but they are still willing to accept installments or a full and final offer, if I accept they will stop all action on the account. They have given me 15 days to reply before the account is passed on to carringtons.

I would be very grateful for any advice on what to do next. Thank you.

Fredbare

If it was me I would wait to see what Carringtons have to say....

[fredbare]

Re: Fredbares UE Diary

[QUOTE=fredbare;203026]

I Would send them this------->Threat by Creditor - Threat-o-Gram Letter Before Action[/QUOTE

Update

Letter received from Tocatto. They have completely ignored the letters I sent anf have passed the account to third party Carringtons? They will access my account and consider further steps. They will obtain copy of cra file. Then go on to advise about court action, bailiffs, charging orders, attachment of earnings (they'l be lucky) and bankruptcy. I have tried to find info on the net about carringtons and have found a firm called dallyn & co based in carrington retail park manchester. Cant find anything else about them, never heard of them before.

The letter from tocatto also states possible legal action but they are still willing to accept installments or a full and final offer, if I accept they will stop all action on the account. They have given me 15 days to reply before the account is passed on to carringtons.

I would be very grateful for any advice on what to do next. Thank you.

Fredbare

[QUOTE=in 2 deep;203029]

If it was me I would wait to see what Carringtons have to say....

Thanks in2deep, will wait. Have you heard of these people before, if I found the right ones they sound nasty, ( A combination of written notices and telephone prompting techniques are used to quickly secure payment on your behalf.)
thank you

[Susie]

Re: Fredbares UE Diary

Thanks in2deep, will wait. Have you heard of these people before, if I found the right ones they sound nasty, ( A combination of written notices and telephone prompting techniques are used to quickly secure payment on your behalf.)
thank you

Well if you don't go through security and hang up they cannot harass you by phone, if they do you just send them the template letter or give them the free number from Niddy, as for letters they will try to frighten you by using BIG RED LETTERS but what else can they do, all you need to do is post the gist of the letters here and see what people advise. They like to sound nasty but they have no more rights than any of the others!!

Edited to add, I suspect if they knew you had Niddy (and Paul) behind you that THEY would be a lot more scared than they will make you!!

[fredbare]

Re: Fredbares UE Diary

Hi susie

Thanks for that, I wondered if anyone had heard of these people, cant find anything about them. I monitor my phone calls, I have a different ringtone for people I want to speak to, havent spoken to any dca or bank in over two years, if they get on my nerves which isnt often I turn the volume off, and yes I agree with your comment about Niddy and Paul, I wish I had found this site sooner. Thanks again

Fredbare

[fredbare]

Re: Fredbares UE Diary

Received letter from westcott advising their collecting on behalf of hsbc and to get in touch if any queries. Should I respond to this? advice welcome. Thank you

If it were me I'd just wait until I heard from Westcott and then send Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

Have printed letter ready to send but would like to check that it is the right one for overdrafts before sending. Thank you Pixie

[Deepie]

Re: Fredbares UE Diary

Up to you or just wait and see what they do next..........

[fredbare]

Re: Fredbares UE Diary

Both jd agreements are

Send missing PT's template

Well done

Update

Letter receuved from jdwilliams. They cannot trace an executed agreement and accept they cannot legaly enforce. They are ceasing all collection activity but have made it clear that they will continue to update cra files for six years as the components of the debt is undisputed.

In this case however they are prepared to cease all collection activity and have notified tocatto to do the same. They trust this closes the matter.

Thank you everyone.

[Deepie]

Re: Fredbares UE Diary

Update

Letter receuved from jdwilliams. They cannot trace an executed agreement and accept they cannot legaly enforce. They are ceasing all collection activity but have made it clear that they will continue to update cra files for six years as the components of the debt is undisputed.

In this case however they are prepared to cease all collection activity and have notified tocatto to do the same. They trust this closes the matter.

Thank you everyone.

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