925pws UE diary

[Pixie]

Re: 925pws UE diary

from me too. I'm dreading the day my Dad dies because I'm a real daddy's girl.

[925pws]

Re: 925pws UE diary

Halifax

• Type of account: CC 2
• Date commenced: 10 + years
• Approx balance: £12,000
• Date last paid May 2012
• Are you on arrangement or not paying: not paying from June
• Status up to date
• Account owner: Halifax

06/06/12 cancelled DMP
06/06/12 requested CCA
09/07/12 reconstituted CCA received and emailed to Niddy for comment
12/07/12 Niddy says
23/07/12 Sent MPT letter as well as Harassment Letter nicely rolled in to one
30/07/12 Letter received from Halifax stating you have not paid - no shit Sherlock!
20/08/12 Letter received from Halifax asking me to call to arrange payment - don't think so matey
25/08/12 Letter received asking for payment or they will call the house.
28/08/12 Sent doorstep visit letter as wasn't sure if they meant phone the house or call. In any case they have yet to respond to the harassment letter and MPT letter I sent. Think they are getting their knickers in a twist over these letters
15/09/12 DN received from Halifax. Filed.
09/12 Sent another harassment letter.
09/12 Received letter stating they are transferring this to a DCA. Filed for now.
29/09/12 Received letter from Halifax asking for my I&E and list of creditors to come to an arrangement for repaying.


Am assuming I just file this and see what they send next? Don't understand why they sent this as they said they were transferring to a DCA. Maybe I got confused as the loan has gone to drysdenfairfax. Anyway, am assuming I just file in either case?

[925pws]

Re: 925pws UE diary

UPDATE:

Halifax

• Type of account: Loan
• Date commenced: 2009
• Approx balance: 12,000
• Date last paid: May
• Are you on arrangement or not paying: not paying from June
• Status default
  
• Account owner: Blair, Oliver & Scott
  

06/06/12 cancelled DMP
06/06/12 requested CCA
25/06/12 received CCA
26/06/12 emailed CCA to Niddy and will await his suggestions
26/06/12 Niddy says
14/07/12 Letter from Blair, Oliver, Scott saying they are servicing this a/c. Filed.
23/07/12 Sent MPT letter to BOS.
26/07/12 Bunch of phoned my work this morning. Have just sent off Harrassment letter.
03/08/12 Letter from Halifax stating: sorry you have had to complain, we are looking in to this and will respond in due course. Filed
10/08/12 Letter from BOS saying I haven't paid. Have filed as they still haven't answered my letter of 3rd which contained MPT and Harrassment points.
20/08/12 Letter from Halifax advising I haven't paid. Filed.
25/08/12 Letter from BOS threatening all kinds of things if I don't pay immediately or contact them to arrange payment.
28/08/12 Sent doorstep visit letter.
03/09/12 Received letter from BOS, threatening all kinds of things yet again. Think my doorstep letter crossed in post with it. Will file for now unless anyone thinks they would deal with it differently? Filed.
10/09/12 Received letter from Halifax in reference to my MPT lett
er, basically saying this account is EN and nothing was missing. They are correct as I'm blagging this. Have just filed this.
15/09/12 Received letter from BOS with a large box typed on it with the words INTENTION TO COMMENCE COURT PROCEEDINGS. It goes on to say that Halifax have instructed them to commence court proceedings so phone them to stop this action being taken.
09/12 Sent Threat to Commence Litigation letter to BOS
29/09/12 Received letter from dysdenfairfax (they have now taken over from BOS), they acknowledge receipt of my threat o gram letter and are going to contact my creditor. In meantime it has been placed on hold.

Am assuming I just sit tight and see what they come back with? I also feel this is a result. Gone to DCA, no interest and they will have twisted knickers with the lovely letters I will be sending as a result of the kind Niddy and gang To think, when I received the letter from BOS I felt sick and now this. Thank you one and all.

[Pixie]

Re: 925pws UE diary

Yes, I would just ignore both of them if it were me.

[vint1954]

Re: 925pws UE diary

Indeed, ignore for now.

[925pws]

Re: 925pws UE diary

UPDATE:

Halifax

• Type of account: Loan
• Date commenced: 2009
• Approx balance: 12,000
• Date last paid: May
• Are you on arrangement or not paying: not paying from June
• Status default
  
• Account owner: Blair, Oliver & Scott
  

06/06/12 cancelled DMP
06/06/12 requested CCA
25/06/12 received CCA
26/06/12 emailed CCA to Niddy and will await his suggestions
26/06/12 Niddy says
14/07/12 Letter from Blair, Oliver, Scott saying they are servicing this a/c. Filed.
23/07/12 Sent MPT letter to BOS.
26/07/12 Bunch of phoned my work this morning. Have just sent off Harrassment letter.
03/08/12 Letter from Halifax stating: sorry you have had to complain, we are looking in to this and will respond in due course. Filed
10/08/12 Letter from BOS saying I haven't paid. Have filed as they still haven't answered my letter of 3rd which contained MPT and Harrassment points.
20/08/12 Letter from Halifax advising I haven't paid. Filed.
25/08/12 Letter from BOS threatening all kinds of things if I don't pay immediately or contact them to arrange payment.
28/08/12 Sent doorstep visit letter.
03/09/12 Received letter from BOS, threatening all kinds of things yet again. Think my doorstep letter crossed in post with it. Will file for now unless anyone thinks they would deal with it differently? Filed.
10/09/12 Received letter from Halifax in reference to my MPT lett
er, basically saying this account is EN and nothing was missing. They are correct as I'm blagging this. Have just filed this.
15/09/12 Received letter from BOS with a large box typed on it with the words INTENTION TO COMMENCE COURT PROCEEDINGS. It goes on to say that Halifax have instructed them to commence court proceedings so phone them to stop this action being taken.
09/12 Sent Threat to Commence Litigation letter to BOS
29/09/12 Received letter from dysdenfairfax (they have now taken over from BOS), they acknowledge receipt of my threat o gram letter and are going to contact my creditor. In meantime it has been placed on hold.
06/10/12 Received letter from Halifax stating they have complied and provided relevant information and if I'm not happy to contact FOS.


As you all know I'm blagging this. If it were you would you sit tight and see what they send next?

[925pws]

Re: 925pws UE diary

Halifax

• Type of account: CC 2
• Date commenced: 10 + years
• Approx balance: £12,000
• Date last paid May 2012
• Are you on arrangement or not paying: not paying from June
• Status up to date
• Account owner: Halifax

06/06/12 cancelled DMP
06/06/12 requested CCA
09/07/12 reconstituted CCA received and emailed to Niddy for comment
12/07/12 Niddy says
23/07/12 Sent MPT letter as well as Harassment Letter nicely rolled in to one
30/07/12 Letter received from Halifax stating you have not paid - no shit Sherlock!
20/08/12 Letter received from Halifax asking me to call to arrange payment - don't think so matey
25/08/12 Letter received asking for payment or they will call the house.
28/08/12 Sent doorstep visit letter as wasn't sure if they meant phone the house or call. In any case they have yet to respond to the harassment letter and MPT letter I sent. Think they are getting their knickers in a twist over these letters
15/09/12 DN received from Halifax. Filed.
09/12 Sent another harassment letter.
09/12 Received letter stating they are transferring this to a DCA. Filed for now.
29/09/12 Received letter from Halifax asking for my I&E and list of creditors to come to an arrangement for repaying. Filed.
06/10/12 Received a lovely letter from Albion DCA introducing themselves as now dealing with this account and asking me nicely IN BIG RED LETTERS to pay £12k.


I'm assuming I shall just file this for now and see what they send next?

[Deepie]

Re: 925pws UE diary

Halifax

• Type of account: CC 2
• Date commenced: 10 + years
• Approx balance: £12,000
• Date last paid May 2012
• Are you on arrangement or not paying: not paying from June
• Status up to date
• Account owner: Halifax

06/06/12 cancelled DMP
06/06/12 requested CCA
09/07/12 reconstituted CCA received and emailed to Niddy for comment
12/07/12 Niddy says
23/07/12 Sent MPT letter as well as Harassment Letter nicely rolled in to one
30/07/12 Letter received from Halifax stating you have not paid - no shit Sherlock!
20/08/12 Letter received from Halifax asking me to call to arrange payment - don't think so matey
25/08/12 Letter received asking for payment or they will call the house.
28/08/12 Sent doorstep visit letter as wasn't sure if they meant phone the house or call. In any case they have yet to respond to the harassment letter and MPT letter I sent. Think they are getting their knickers in a twist over these letters
15/09/12 DN received from Halifax. Filed.
09/12 Sent another harassment letter.
09/12 Received letter stating they are transferring this to a DCA. Filed for now.
29/09/12 Received letter from Halifax asking for my I&E and list of creditors to come to an arrangement for repaying. Filed.
06/10/12 Received a lovely letter from Albion DCA introducing themselves as now dealing with this account and asking me nicely IN BIG RED LETTERS to pay £12k.


I'm assuming I shall just file this for now and see what they send next?

Up to you or send this ------> Account Sold whilst in Dispute

[vint1954]

Re: 925pws UE diary

Halifax

• Type of account: CC 2
• Date commenced: 10 + years
• Approx balance: £12,000
• Date last paid May 2012
• Are you on arrangement or not paying: not paying from June
• Status up to date
• Account owner: Halifax

06/06/12 cancelled DMP
06/06/12 requested CCA
09/07/12 reconstituted CCA received and emailed to Niddy for comment
12/07/12 Niddy says
23/07/12 Sent MPT letter as well as Harassment Letter nicely rolled in to one
30/07/12 Letter received from Halifax stating you have not paid - no shit Sherlock!
20/08/12 Letter received from Halifax asking me to call to arrange payment - don't think so matey
25/08/12 Letter received asking for payment or they will call the house.
28/08/12 Sent doorstep visit letter as wasn't sure if they meant phone the house or call. In any case they have yet to respond to the harassment letter and MPT letter I sent. Think they are getting their knickers in a twist over these letters
15/09/12 DN received from Halifax. Filed.
09/12 Sent another harassment letter.
09/12 Received letter stating they are transferring this to a DCA. Filed for now.
29/09/12 Received letter from Halifax asking for my I&E and list of creditors to come to an arrangement for repaying. Filed.
06/10/12 Received a lovely letter from Albion DCA introducing themselves as now dealing with this account and asking me nicely IN BIG RED LETTERS to pay £12k.


I'm assuming I shall just file this for now and see what they send next?

As I2D says, send sold in dispute letter.

[925pws]

Re: 925pws UE diary

Update Halifax

• Type of account: CC 2
• Date commenced: 10 + years
• Approx balance: £12,000
• Date last paid May 2012
• Are you on arrangement or not paying: not paying from June
• Status up to date
• Account owner: Halifax

06/06/12 cancelled DMP
06/06/12 requested CCA
09/07/12 reconstituted CCA received and emailed to Niddy for comment
12/07/12 Niddy says
23/07/12 Sent MPT letter as well as Harassment Letter nicely rolled in to one
30/07/12 Letter received from Halifax stating you have not paid - no shit Sherlock!
20/08/12 Letter received from Halifax asking me to call to arrange payment - don't think so matey
25/08/12 Letter received asking for payment or they will call the house.
28/08/12 Sent doorstep visit letter as wasn't sure if they meant phone the house or call. In any case they have yet to respond to the harassment letter and MPT letter I sent. Think they are getting their knickers in a twist over these letters
15/09/12 DN received from Halifax. Filed.
09/12 Sent another harassment letter.
09/12 Received letter stating they are transferring this to a DCA. Filed for now.
29/09/12 Received letter from Halifax asking for my I&E and list of creditors to come to an arrangement for repaying. Filed.
06/10/12 Received a lovely letter from Albion DCA introducing themselves as now dealing with this account and asking me nicely IN BIG RED LETTERS to pay £12k.
08/10/12 Sent Sold in Dispute letter as suggested.

[925pws]

Re: 925pws UE diary

UPDATE:

Halifax

• Type of account: Loan
• Date commenced: 2009
• Approx balance: 12,000
• Date last paid: May
• Are you on arrangement or not paying: not paying from June
• Status default
  
• Account owner: Blair, Oliver & Scott
  

06/06/12 cancelled DMP
06/06/12 requested CCA
25/06/12 received CCA
26/06/12 emailed CCA to Niddy and will await his suggestions
26/06/12 Niddy says
14/07/12 Letter from Blair, Oliver, Scott saying they are servicing this a/c. Filed.
23/07/12 Sent MPT letter to BOS.
26/07/12 Bunch of phoned my work this morning. Have just sent off Harrassment letter.
03/08/12 Letter from Halifax stating: sorry you have had to complain, we are looking in to this and will respond in due course. Filed
10/08/12 Letter from BOS saying I haven't paid. Have filed as they still haven't answered my letter of 3rd which contained MPT and Harrassment points.
20/08/12 Letter from Halifax advising I haven't paid. Filed.
25/08/12 Letter from BOS threatening all kinds of things if I don't pay immediately or contact them to arrange payment.
28/08/12 Sent doorstep visit letter.
03/09/12 Received letter from BOS, threatening all kinds of things yet again. Think my doorstep letter crossed in post with it. Will file for now unless anyone thinks they would deal with it differently? Filed.
10/09/12 Received letter from Halifax in reference to my MPT lett
er, basically saying this account is EN and nothing was missing. They are correct as I'm blagging this. Have just filed this.
15/09/12 Received letter from BOS with a large box typed on it with the words INTENTION TO COMMENCE COURT PROCEEDINGS. It goes on to say that Halifax have instructed them to commence court proceedings so phone them to stop this action being taken.
09/12 Sent Threat to Commence Litigation letter to BOS
29/09/12 Received letter from dysdenfairfax (they have now taken over from BOS), they acknowledge receipt of my threat o gram letter and are going to contact my creditor. In meantime it has been placed on hold.
Oct 12 Received letter from Halifax stating they have complied with my request and if I have any problems to go directly to FOS, they consider matter closed.

As you know I'm blagging, if it were you, would you just wait and see what they send me next?

[925pws]

Re: 925pws UE diary

Update Halifax

• Type of account: CC 2
• Date commenced: 10 + years
• Approx balance: £12,000
• Date last paid May 2012
• Are you on arrangement or not paying: not paying from June
• Status up to date
• Account owner: Halifax

06/06/12 cancelled DMP
06/06/12 requested CCA
09/07/12 reconstituted CCA received and emailed to Niddy for comment
12/07/12 Niddy says
23/07/12 Sent MPT letter as well as Harassment Letter nicely rolled in to one
30/07/12 Letter received from Halifax stating you have not paid - no shit Sherlock!
20/08/12 Letter received from Halifax asking me to call to arrange payment - don't think so matey
25/08/12 Letter received asking for payment or they will call the house.
28/08/12 Sent doorstep visit letter as wasn't sure if they meant phone the house or call. In any case they have yet to respond to the harassment letter and MPT letter I sent. Think they are getting their knickers in a twist over these letters
15/09/12 DN received from Halifax. Filed.
09/12 Sent another harassment letter.
09/12 Received letter stating they are transferring this to a DCA. Filed for now.
29/09/12 Received letter from Halifax asking for my I&E and list of creditors to come to an arrangement for repaying. Filed.
06/10/12 Received a lovely letter from Albion DCA introducing themselves as now dealing with this account and asking me nicely IN BIG RED LETTERS to pay £12k.
08/10/12 Sent Sold in Dispute letter as suggested.

Received text from this lot asking me to contact them - I don't think so. Should I send harassment letter now do you think so they know to deal with me in writing only?

[ScabHunter]

Re: 925pws UE diary

Received text from this lot asking me to contact them - I don't think so. Should I send harassment letter now do you think so they know to deal with me in writing only?

That's what I would do.

SH

[Susie]

Re: 925pws UE diary

Sounds reasonable to me, or give them the number that Niddy provides http://forums.all-about-debt.co.uk/showthread.php?t=3662 specially for DCA's

[vint1954]

Re: 925pws UE diary

Yes, if they are still contacting you by text,send the letter.