spent2much UE diary

[Spent2much]

Re: spent2much UE diary

No you just send the normal one to the DCA that is chasing it.It is an account that has been sold while in dispute, they won't know it's an over draft till they get in touch with Lloyds. If Lloyds tell them. them we take it from there

okay then and thank you again will send it tomorrow

[Spent2much]

Re: spent2much UE diary

• Type of account (overdraft with lloydstsb) mine
  []Date commenced (2005)
• Approx balance.( £644.67
• Date last paid (22/06/2012)
• Are you on arrangement or not paying (stopping dmp )
• Status (default/letter recieved today, )
• Account owner (iQor on behalf of their client )
• 9/7/2012 cca request sent

4/7/2012 from iQor , LloydsTsb have passed your debt to iQor with instructions to recover your outstanding balance .

If you do not take action to resolve this matter immediately, we may commence legal action in the county court . This may well result in a judgment/decree being recorded against you.
We may instruct a doorstep collector to visit your home to discuss your financial circumstances and agree payment .
If you think you cannot pay the debt in full at presen then call us .
1/08/2012 from gpb solicitors
We have been contacted by iQor recovery in relation to monies owed to LloydsTsb
If full payment ,or your proposals for payment , are not received by iQor within 10 days from the date of this letter, it is likely that we will be instructed to commence legal prceedings .

16/08/2012 from gpb LEGAL ACTION PENDING
You have failed to pay this overdue debt to LLOYDS TSB and we have been instructed by their agents iQor to recover the sum due. Full payment must be received in this office WITHIN SEVEN DAYS of the above date ,otherwise a counrt court claim may be issued without further warning .

goes on about court costs

If you fail to respond to this letter and we do obtain judgment against you , this not only impair your credit file and your ability to obtain credit, it may lead to further enforecment action and costs through

: Having your personal belongings seized and sold by a county court bailiff
:intercepting your wages with an attachment of earnings order being passed to any emploer you may have now or in the future

If you reside outside the jurisdiction of England and Wales , then our agents may be instructed to raise an action in your local court.

contact us now


28/08/2012 resent CCA reminder
13/09/2012 from iQor Further to your recent request under the CCA 1974,sec77/78 for copy of your original credit agreement we note that we have not received a fee of £1.00 from you which is required under the Act and for that reason we have not progressed your request any further.
Should you wish to continue with this request, please forward us the prescribed fee of £1.00 and your request in writing.

28/09/2012 from LloydsTsb , account passed to Robinson way
1/10/2012 from Robinson way,
Our client has authorised us to recover the full amount you woe, shown above.
Please pay the full amount without delay
If you do not pay or agree a payment plan with us, we may advise our client to start court action, If a court considers your failure to pay to be to neglect, an order for payment may be made.

goes on to say about an application made to the court, future credit will be affected, this account may continue to worry me.

12/10/2012 from Robinson way

APPOINTMENT FOR HOME VISIT

15/10/2012 LETTER SENT ABOUT THREATOGRAM AND HOME VISIT

29/10/2012 from Robinson way.

we refer to your recent request not to be contacted by telephone in respect of the above account .

We can confirm that your tlephone number has been removed from your account in our file. You remain fully liable for payment of the balance owing and any further action may still be taken to recover the sum due.
If you have not provided us with your repayment proposals, please contact us within the next 14 days.

24/11/2012 from HORWICH FARRELLY

We have been instructed by the above in relation to your outstanding debt.
Court action may be taken against you unless you take steps to resolve the matter quickly. At this stage you can avoid court proceedings by taking the following action within the next 10 days ..
Either:-
a) make full payment, or
b) Pay what you can now, and agree an affordable payment arrangement.

Remember court action may increase the amount you owe, by the addition of court fees.

you can pay and make proposals by using following websits robway.co.uk


21/02/13 from robinson way

WHERE HAVE WE GONE WRONG ?

We have sent you a number of letters, tried to telephone you, and our local representative may have called at your home,(COULD THIS BE MALCOM ?) but your account remains unpaid.

Full payment is due and payable. We know how worrying it can be to work out how to pay debts. If you cannot pay in full, we will listen and take into account your circumstances. the most important thing for you to do is get intouch.

We may offer a reduction to your balance, we can agree a payment plan that is affordable and which you can keep to.

Unpaid debts don't just go away or get forgotten no matter how much people want that to happen. Our staff are waiting to take your call, If you prefer , deal with this online at robway.co.uk or ypu can email us at : payline@robinson-way.com

25/02/2013 sent account sold while in dispute to Robinson way

7/03/2013 from robinson way (letter dated 4/03/13

with reference to your recent contact , this balance relates to a current account and as such is expempt from part V of the Conusmer Credit Act 1974.

There is therefore no requirement to produce a copy agreement.

We now require you to resume your payments or to contact us with your repayment proposals within 14 days

13/04/2013 from lloydsTsb
As we haven't been able to agree a suitable repayment plan, we 've transferred your account to a debt collection agency Firstsource Solutions UK Ltd to arrange a collection of the outstanding amount.

Please contact Firstsource as soon as possible to pay back the outstanding amount .

12/07/2014-LLOYDS BANK
Lloyds has assigned all of its respective rights, title and interest in respect of the above reference account (including the outstanding balance ) to Lowell Portfolio l Ltd effective 24/06/2014

12/07/2014- Lowell

This letter is intended to give you formal notice that your outstanding balance with Lloyds was sold and assigned to Lowell Portfolio l Ltd . on 24/06/2014. As Lowell now owns the debt , we are entitled to receive payment of the outstanding balance. Details of your account are set out in the right handn margin.

Lowell Portfolio l Ltd . has instructed Lowell Financial Ltd. to manage your account.

6/08/2014 Lowell
we want to help you clear your account

we still haven't agreed a repayment plan for the outstanding balance.

Please phone us asap

I received text messages from Lowell 17/07/14 4/08/14 12/08/14 .

8/09/2014 lowell
get in touch to discuss account oor lowell will pass debt onto Red Debt collections services who will obtain a copy of my credit file and determine what options to use to recover what i owe. for example they could use litigation .


12/11/2014 red dcs
we are a trading division of Lowell financial ltd and we are instructed to collect the money you owe to Lowell

we specialise in assessing accounts for litigation and will be obtaining a copy of your credit file in order to review your financial circumstances and the information within it will help us to determine the best way to recover what you owe.

You can avoid this by us ot either in full or to arrange a suitable payment plan.

If you do replay what you woe you could risk legal action being taken, We may decide to apply to the county court for a CCJ , If we are successful and you do not pay depending on the amount you woe and your circumstances we could apply to secure the debt against property that you own or to deduct amounts directly from your earnings . we may ask a court bailiff to remove goods from your house to the value of the debt. to avoid such action call us and if you are unable to pay the full balance we will arrange a payment plan that you can afford ,

27/11/2014 red
A discount on your balance
we now have a copy of your credit file and we have assessed the best way to recover the money you owe. we will now be passing your account on to hamptons legal, our pre-litigation department, with our recommendations unless we hear from you.
You can stop this happening . we are willing to offer you a discount on your balance .

Pay us 70% of your balance, which is £451.27 as full payment

If you are able to take advantage of our offer of discount your crdit file will be updated to show this account as partially satisfied. Alternatively, if paid in full you credit file will show this as satisfied.

PERSONALISED REPAYMENT PLANS
If the above discount option is not suitable, we can arrange an affordable repayment plan tailored to suit your current financial circumstances, for example

Pay £2 per day which is the equivalent of £60 per month

If this is not affordable for you call us .

If we do not hear from you or you do make an arrangement to pay in the next 10 days , we will instruct Hamptons Legal.

update, shall i let them pass this to their pre-litigation department and just wait to see what happens next ?

[The Tech Clerk]

Re: spent2much UE diary

update, shall i let them pass this to their pre-litigation department and just wait to see what happens next ?

Next letter from Hamptons say nothing at the moment, usually 3 letters from them,

RED/Hampton/Lowell - Support Group

[Spent2much]

Re: spent2much UE diary

Next letter from Hamptons say nothing at the moment, usually 3 letters from them,

RED/Hampton/Lowell - Support Group

okay thank you

[nightwatch]

Re: spent2much UE diary

S2M was this the account you were going to send the SWID letter for?

if so I suggest you send it now


PS i suggest this as Lowell won't know it's in dispute, so It may stall them for a while x

[Spent2much]

Re: spent2much UE diary

S2M was this the account you were going to send the SWID letter for?

if so I suggest you send it now


PS i suggest this as Lowell won't know it's in dispute, so It may stall them for a while x

hiya, yes this is the one, but are the templates still available if not how can i get one ?

[Pixie]

Re: spent2much UE diary

S2M was this the account you were going to send the SWID letter for?if so I suggest you send it nowPS i suggest this as Lowell won't know it's in dispute, so It may stall them for a while x

I've just looked and it is so I would send the SWID straight away S2M... like yesterday

[Still Waving]

Re: spent2much UE diary

hiya, yes this is the one, but are the templates still available if not how can i get one ?

Yes Niddy had posted that the AAD site with the templates is back online now, so you can get the template in the usual way.

[Spent2much]

Re: spent2much UE diary

Yes Niddy had posted that the AAD site with the templates is back online now, so you can get the template in the usual way.

okay so back to the original question which template do i send for an overdraft , is it the template used for a credit card when swid ?

[Still Waving]

Re: spent2much UE diary

okay so back to the original question which template do i send for an overdraft , is it the template used for a credit card when swid ?

See post 1501

[Spent2much]

Re: spent2much UE diary

I have just sent a swid template to Red for this account #1502 ,i sent the tmeplate which is for credit cards

[nightwatch]

Re: spent2much UE diary

that's fine relax and have a good weekend x

[Never-In-Doubt]

Re: spent2much UE diary

I have just sent a swid template to Red for this account #1502 ,i sent the tmeplate which is for credit cards

They are not for anything. They are templates - ie you edit to suit. In essence the template you mention is fine for OD's & Cards (& Loans)!

[Spent2much]

Re: spent2much UE diary

They are not for anything. They are templates - ie you edit to suit. In essence the template you mention is fine for OD's & Cards (& Loans)!

I sent it as is thanks Niddy

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft)mine

Date commenced (2003)

Approx balance (£248)

Date last paid (22 June 2012)

Are you on an arrangement plan not paying (was on dmp now stopped paying)

Status (default/cca being sent )

Account owner (HBOS)

9/7/12 cca request sent

28/9/12 from Halifax account passed to BLS 3/8/12
14/11/12 payment reminder
28/11/12 sent cca reminder to bls
13/12/12 BLS saying statements enclosed as requested
14/12/12 BLS essential that i contact them
24/12/12 Halifax account passed to DrysdenFairfax
31/12/12 from DrysdenFairfax threatening letter to pay , court action , charge on house,
31/12/12 account sold while in dispute letter to drysdenfairfax
letter not received by drysdenfairfax according to post office website.
19/1/13 resent sold in dispute letter , sent by recorded delivery .
24/1/13 threatening letter from drysdenfairfax
16/2/13 from drysdenfairfax offer of settlement
29/04/13 Halifax
Account transferred to Westcot Credit Services Litd

29/04/13 account sold while in dispute letter to westcot


07/05/13 Westcot
We have been instructed by our client to collect the outstanding balance on their behalf.
You should read both sides of this notice carefully, follow the instructions and reply IMMEDIATELY.If you have any queries or any of the information supplied is incorrect, please contact us .
TO AVOID WESTCOT TAKING FURTHER ACTION, YOU MUST:
PAY THE DEBT IN FULL TO WESTCOT OR 2. CONTACT US ON BLAH BLAH BLAH
15/05/2013 westcot FINAL NOTICE
our latest enquiries have now confirmed that you are still resident at this address but we have not received a reply to our previous corrospondence.

Unless you contact us to agree repayment of £248.46 within the next 10 days, further collection activity will be taken to recover the full outstanding balance,

please do not ignore this letter as this could result in further action being taken to recover the debt.


18/05/2013 sent OD SWID to westcot

31/05/13 Westcot

We acknowledge that have raised a query on this account and we would like to confrim to you how this will be investigated.

We will suspend all collections activity on the above account whilst the matter is under investigation.This means that we will not write to you, or telephone you in pursuit of the account whilst it is being investigated.

10/06/2013 westcot
We refer to your recent communication. Having contacted our client they have advised that the above balance is correct and due for payment .They state that the above balance relates to a current account, therefore no credit agreement is available.

In the circumstances, we believe the dispute has now been resolved and the full balance or an agreed monthly instalment is required by return. Payment can be made by direct debit or online

If in the event you believe you still have a valid dispute , please contact us with the details within the next 14 days otherwise your account will be returned to our recovery team for collection

5/8/13 westcot

As a final attempt to avoid further action, our client has agreed that we can offer you a discount to settle your account.

This offer is only available for a limited period so you should contact us by the 11/08/2013 to agree a suitable settelememt , or the offer will be withdrawn and further action will continue to recever the full outstanding balance of £248.46.

If you are unable to take advantage of this offer, we will still consider a realistic repayment plan and you should contact us urgently to discuss your options. Unless a suitable arrangement plan is reached within 10 days of the date of this letter, (01/08/2013), further recovery action will be taken.


21/08/2013 from westcot
we understand that there may be many reasons why you have not responded to us in relation to this account.
You may feel that you are not in a position to stat making an acceptable payment against your balance or that you don't know how best to manage your way through you current liabilities.

Westcot are specialists in establishing repayment plans that best suit the needs of both our clients and their customers. For the overwhelming majority of customers that contact us we are able to make an arrangement tailored to each customer's financial circumstances.
We would therefore like to offer you the opportunity to repay this account via regular manageable instalments which will be both sustainable and affordable given your current circumstances.

what this means for you.....

an opportunity to take control with re-payments that you agree and that you can afford over a period of time.
no further phone calls, letters, text messages or home visits from Westcot or their appointed agents, providing you keep to the plan for this account.
The potential to improve you credit rating and increase your chances of obtaining future credit.

This debt will not go away and now is the best time to act. To take up the offer you need to contact us at the number above where one of our dedicated operators will help you make a fresh start.

30/08/2013 Westcot

We have previously advised you that one of the actions we were considering on your account was a doorstep collection visit
to your home address to recover the outstanding balance.
As we know of no genuine reason why you have failed to repay the outstanding balance, instructions will now be provided to Scotcall, a doorstep agency, to make an appointment with you to visit your home address. The purpose of the visit is to agree with you how you will repay this debt.

You have a final opportunity to avoid referral to Scotcall by telephoning the number above .

02/09/2013 sent doorstep visit complaint letter to Westcot


4/11/2013 Halifax- account passed to Robinson Way

22/11/2013 robinson way , account is due to be passed to our solicitors drysdenfairfax in the next 10 days.

14/12/13 drysdenfairfax

instructed by robinson way to collect the amount outstanding within 14 days .

10/01/2014 robinson way
NOTICE OF HOME VISIT
we may arrange for a doorstep collector to call at your address to agree an affordable payment plan with you , dependant on your personal circumstances .

To avoid the matter being escalated to this next stage of the dc procgress please contact us 27/02/2014 Robinson way , Your account was recently passed to one of our doorstep collectors who may have visited you already or notified you of a potential visit .Please note your account will now be managed by this office and all future correspondence need to be directed to us at the address noted above.

11/12/14 assigned to 1st credit

update