spent2much UE diary

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft)mine

Date commenced (2003)

Approx balance (£246)

Date last paid (22 June 2012)

Are you on arrangement or 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 sold to BLS 3/8/12

26/10/12
repayment plan arrears
overdue account ,
10 days to repay the amount owing
14/11/12 pay today reminder

13/12/12
from BLS

Please find enclosed a statement of account as requested.

Should you require any further assistance please telephone us.
14/12/12
BLS essential that you contact us today

22/12/12 from Halifax
As we haven't been able to agree a suitable repayment plan we've trasferred your account ot Moorcroft


28/12/12 from moorcroft

advising me Halifax have instructed them to collect the overdue debt of £246.26

It is a legal requirement to send a notice of intended litigation before legal proceedings in the county Court are issued. We believe that this letter fulfils this requirement even if it is not actually read by you .

To prevent our recommeding to our client that solicitors commence legal proceedings, it is essential that you settle this debt without delay. Payment should be submitted in full within 7 dyas or contact made with this office immediately, by telephone on 000000000000 or by letter, with your payment offer. Both our client and we do not wish to take this action but if agreement cannot be reached by 31/12/12 , a claim may be issued by solicitors to act on behalf of our client without further notice.

WE WOULD DRAW TO YOUR ATTENTION THAT IF JUDGTMENT AND AN ORDER FOR REPAYMENT IN FULL IS OBTAINED AND REMAINS UNPAID, A RANGE OF COURT ENFORCEMENT OPTIONS ARE AVAILABLE TO OUR CLIENT AND APPLICATION FOR ONE OF THESE MAY BE CONSIDERED.

We would emphasise that should judgement be entered agaisnt you this may affect any future credit application you may make elsewhere . Legal cost mentioned also blah blah


10/01/13 from Moorcroft
IMPORTANT INFORMATION-POSSIBLE FURTHER ACTION
pay before the 15/01/13 by calling us .

23/01/13 from Moorcroft
MONTHLY INSTALMENT OFFER

08/02/13 from midascreditservies
We are part of the Moorcroft Group and are aware that you have failed to reach repayment agreement with Moorcroft .
contact Moorcroft now to prevent possible further action


22/02/13 from Moorcroft

DISCOUNT OFFER installments .


30/ 03/13 from Moorcroft

discount offer

I am disappointed to note that despite our numerous attempts to contact you no satisfactory agreement has been reached regarding the balance oustanding of £246 on the above account.

However in one last attempt to come to an arrangement to prevent the possibility of further debt recovery action being recommneded our client has informed us that we may be able to offer you a substantial discount from your outstanding balance. This means that if you able to pay an acceptable lump sum within the next 14 days we will not pursue the remaining balance of the debt .



ignore ?
29/04/13 Halifax
Account transferred to Westcot Credit Services Ltd


18/05/13 SWID 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 on the number supplied .

TO AVOID WESTCOT TAKING FURTHER , YOU MUST

PAY THE DEBT IN FULL TO WESTCOT OR CONTACT US ON BLAH BLAH
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
15/05/13 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 £246.26 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 .

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

8/11/2013 from capquest
(wrong information about account they are saying it is a bank of Scotland credit card when it is a Halifax overdraft )
capquest have been asked to manage the account , usual threats of may send doorstep agents, possible litigation .
must contact them by the 15/11/2013 , if no contact then account will be passed to their solicitors HL Legaln

no contact will mean further action

23/11/2013 HL LEGAL solicitors
capquest has appointed us, on behalf of Bank of Scotland Credit Card. (this account is an overdraft ) not a credit card.

TAKE NOTICE THAT unless this account is paid in full or a satisfactory proposal for settlement is received by 05 Dec Court proceedings may be issued against you without further notice.

court costs explained

In the event that judgement is obtained against you,enforcement action will result in further costs .



I am going to send a quid to these muppets as they requested even though I begrudge it lol, must send it today though as I forgot about it .

ps notice the blue is working it seems to work on my laptop but not my main pc .

03/01/2014 sent £1 as requested will wait for them to realise it isn't a credit card but an overdraft



13/01/2014 capquest
we have been advised by bank of scotland that section 74 of cca 1974 provides that an overdraft on a current account will not fall within the documentation requirements of the cca . Therefore we are not providing a copy agreement for the above account. Please find enclosed your £1.00 postal order fee.

Please contact to discuss the payment options for this account.

31/01/2014 capquest
sending doorstep agents scotcall limited to arrange repayment

If a response is not made by 31/01/2014 an agent will be despatched and will call at the above address .

To avoid agent calling contact us by 31/01/2014

If contact is made before this date (impossible as this letter arrived today 31/01/2014,so bull shit as usual) they will offer a settlement figure of £184.70 to clear the amount.
will only show as parital settlement on credit file.

or can settle the account in instalments


2/02/2014 sent doorstep and phone call harassment letter to capquest

13/02/2014 Capquest

We have removed your telephone number from our system.

This account has been placed on hold until 08 March 2014 and we would be grateful if you could contact us during this period to advise us on how you would like to proceed with this account

If you require any further assistance , please do not hesitate to contact us.

11/12/14 assigned to 1st credit

update

[nightwatch]

Re: spent2much UE diary

let us know as soon as you get anything from 1st xx

[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 recEIved 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.

12/12/2014 Lowell complaint referred to customer services.
if we can telephone you , we will e able to discuss your concerns directly with you and hopefully agree a resolution with you verbally
Your account has been put on hold and we will stop all collections activity whilst dealing with your complaint . .

update, lowells keep referring to my swid as a complaint

[Spent2much]

Re: spent2much UE diary

Type of account (credit card) husband's

Date commenced (2005) i put 2005 but they may be before this also

Approx balance.( £2,242.71

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status (default received but don't have it as was burgled in 2010 and some of our personal papers were scattered in the snow and could not be recovered )

Account owner (originally monument but passed to Barclaycard )
09/07/2012 sent CCA request
27/07/2012 barclaycard they are dealing with request

12/02/2013 from barclaycard

cca recon sent to niddy


13/02/13 sent missing pt's
22/02/2013 from Barclaycard
About your complaint

Thank you for contacting us on 13 feb 2013 regarding your Barclaycard
account.

I am sorry that you have had reason to complain.
I understand you are not satisfied that we have complied with our boligations under section 78 of CCA . We believe your credit agreement to be fully
compliant with the Act and any allegations that it is not will be opposed. I realise this is not the answer you wanted,so I have given the details below so you can see the reasons behind our decision .
I am aware that we made errors in our previous response which i have amended accordingly. Feedback has been given to the member of staff who made this error.

I would like to assure you that the provision of a high level of service is of paramount importance to us and apologise for the oversight in the information provided with our previous letter.

I would like to acknowledge your request for a copy of your original agreement and I am able to confirm that this has been sent to the relevant department who will contact you directly regarding this.

_____

It goes on to explain about the case of Carey v HSBC then about the statement of the terms of the agreement as varied regulation 7 of CNC regulations provides that, where an agreement has been varied in accordance with section 82(1) of the Act(as is the case with your credit agreement)


___________


another 2 pages of statement of account
compliance with section 61 of the Act
office of fair trading.

timescales
your options
Please take this letter as our final response to your complaint. If anything is unclear or if you are unhappy with the way we have handled your complaint. please write to the above address. I will do all I can to answer your questions and reach an agreement with you .

28/02/2013 from barclaycard

Thank you for contacting Barclaycard.

Arrangements have been made for a copy of your ofiginal agreement to be issued to you, under separate cover, in due course.

May i also advise that your other queries are being handled by another deprartment and they will reply to you shortly.

I hope this information is of some assistance to you.



07/03/2013 from Barclaycard
they have semt an application form saying it is a cca. I have sent it to niddy


5/03/2013
Niddy says still

23/08/2013 Barclaycard
I am writing to inform you that the was assigned and transferred by Barclaycard to MKDP LLP on 16 August 2013

This means that the effective owners of the above account are now MKDP LLP.

MKDP LLP has appointed MK Rapid Recoveries as their servicing agent to manage your account on their behalf. All contact regarding your account should now be directed to Rapid Recoveries.

I confirm that the amount outstanding on your account as at August was £2324.18

With effect from date of this notice all payments due to Barclaycard shall be paid to MKDP LLP.
11/10/13 from Rapid Recoveries
Further to our recent communication regarding transfer of ownership of your balance we have not received your offer of payment.

We want to help you and are in a position to offer an instalment arrangement to clear the outstanding balance, but we can only do this after speaking to you.

Pleas call us to discuss ways we can help.

Until we reach an agreement to clear this balance we will continue to contact you telephone or letter so we would advise you to contact us to resolve this matter.
24/10/2013-MKrapid recoveries
As you have not taken up our offer of help, we have no option but for your account to now be referred to Keynes Collections for litigation consideration to resolve this on our behalf.
They may commence litigation against you which will increase the amount payable due to costs incurred .Should the matter proceed they could take against your property (if you are a homeowner)or have monies deducted directly from your salary (if you are employed)

It is not too late to resolve this matter, please contact us immediately to allow us to help you avoid this.

26/11/2013 from Barclaycard , they have sent the same cca as last time , just to make sure though i have sent it onto Niddy to take a look .
Still UE .

4/12/13 received a pile of statements from MKDP and a cover letter saying their client had fulfilled their obligation by providing them and the UE forms they sent .

5/12/13 MKDP Further to your letter of acknowledgment we sent you in regards to the above account.

At this time, we must apologise, as we are still unable to resolve your query. We are however currently liaising with the original creditor, and we will contact you as soon as we receive a response from them.

15/02/2014 MKDP

Further to our letter of acknowledgement sent you in regard to the above account, we write to advise you on the progress of your query.

At this time, we aplolgise , as we are still unable to resolve your query. We are however currently liaising with the original creditor, and will contact you as soon as we receive a response from them. As stated previously MKDP LLP take great care to ensure that such matters are dealt with in a professional manner and apologise for the delay in resolving you query.

12/03/14 Further to our letter of acknowledgement sent you in regard to the above account, we write to advise you on the progress of your query.

At this time, we aplolgise , as we are still unable to resolve your query. We are however currently liaising with the original creditor, and will contact you as soon as we receive a response from them. As stated previously MKDP LLP take great care to ensure that such matters are dealt with in a professional manner and apologise for the delay in resolving you query.

10/04/14 Further to our letter of acknowledgement sent you in regard to the above account, we write to advise you on the progress of your query.

At this time, we aplolgise , as we are still unable to resolve your query. We are however currently liaising with the original creditor, and will contact you as soon as we receive a response from them. As stated previously MKDP LLP take great care to ensure that such matters are dealt with in a professional manner and apologise for the delay in resolving you query.

11/05/14 Further to our letter of acknowledgement sent you in regard to the above account, we write to advise you on the progress of your query.

At this time, we aplolgise , as we are still unable to resolve your query. We are however currently liaising with the original creditor, and will contact you as soon as we receive a response from them. As stated previously MKDP LLP take great care to ensure that such matters are dealt with in a professional manner and apologise for the delay in resolving you query.

02/06/14 Further to our letter of acknowledgement sent you in regard to the above account, we write to advise you on the progress of your query.

At this time, we aplolgise , as we are still unable to resolve your query. We are however currently liaising with the original creditor, and will contact you as soon as we receive a response from them. As stated previously MKDP LLP take great care to ensure that such matters are dealt with in a professional manner and apologise for the delay in resolving you query.

07/07/14 Further to our letter of acknowledgement sent you in regard to the above account, we write to advise you on the progress of your query.

At this time, we aplolgise , as we are still unable to resolve your query. We are however currently liaising with the original creditor, and will contact you as soon as we receive a response from them. As stated previously MKDP LLP take great care to ensure that such matters are dealt with in a professional manner and apologise for the delay in resolving you query.

2/10/2014 Barclaycard/Monument

cca as requested .The cca they have sent is exactly the same as the last one which niddy said is UE , i won't even bother sending niddy this as it is identical so i shall send a missing P&T template

30/10/2014 sent missing P&T


sorry this is in blue it won't typein red

6/11/2014 received from MKP
Whilst i am sorry you remain dissatisfied , we have nothing further to add.

You made reference to the prescribed terms under section 60, please note all relevant terms are enclosed supplied to you , therefore we do not believe that any issue of unenforceability arises .

We can confirm we have spoken to an employee of Barclaycard who has confirmed that in accordance with the information stored on their systems and in line with their procedures, a properly executed agreement was in place in accordance with section 91.(1) of the consumer credit act 1972.

There is no requirement to provide you with an original signed copy of the executed agreement. Our obligation is satisfied by providing you with a reconstructed copy which is legible. As you are aware we have provided you with a copy previously .

As no new information has been provided to us regarding this matter i must advise you that our complaints procedure has been exhausted and we are unable to enter in to any further correspondence regarding this matter.
should you remain unhappy with our response, you do have the right to refer your concerns to the financial ombudsman service. This must be done within six months of the final response daated 10th october 2014 where a leaflet was previously enclosed which explains how to do this .


19/11/2014 again i can't type it in red

KEYNES COLLECTIONS

NOTICE OF INTENDED LEGAL ACTION

As you have failed to respond to previous correspondence or agree a payment plan we have been instructed by MKDP LLP to collect the outstanding balance in accordance with your agreement .

You had an agreement with Barclaycard which was assigned to MKDP LLP . Under the agreement the balance was to be repaid but you defaulted , breaching the agreement which has now been terminated . The full amount is now due and you are required to pay the outstanding balance to MKDP LLP.

This letter constitutes a formal demand for payment of £2.323.18 and i make in accordance with the Practice Direction.

This letter requires your immediate attention, Unless full payment or a suitable payment plan is agreed within 14 days from the date of this letter (10/11/2014) , legal action to recover the debt may be taken against you without further warning and your liability for costs may increase .

Please reply in writing quoting your full name and reference or alternatively you wish to cal us to discuss you account

12/12/2014 MKDP activity suspended whilst they investigate , as soo0n as they find anything out they will let me know

update

[ScabHunter]

Re: spent2much UE diary

update, lowells keep referring to my swid as a complaint

Just ignore their pathetic, brainless drivel, as they are only trying to get you talking to their telephone monkeys. All of this silliness just absorbs more time.

Clownell are full of idiotic stunts, one of which is to invent fictitious complaints. It has no relevance, other than that technically they can issue a "final response" and direct you to the Fobbing Off Service. Of course, once they have issued a so-called "final response", they will still harass you for money, so the term "final response" means as much as Swahili written backwards.

I like the fact that they have started making "discount" offers with this. That is usually a sign that they are not in serious threat mode.

SH

[ScabHunter]

Re: spent2much UE diary

update

If MKDP have put your "account" on hold while they "investigate" (read that as "fondle their private parts while looking gormless and wondering what to do next"), leave them to it. Hopefully, you'll have had another Merry Christmas with the money you've not been paying to these clowns before they bother you again.

SH

[Spent2much]

Re: spent2much UE diary

Just ignore their pathetic, brainless drivel, as they are only trying to get you talking to their telephone monkeys. All of this silliness just absorbs more time.

Clownell are full of idiotic stunts, one of which is to invent fictitious complaints. It has no relevance, other than that technically they can issue a "final response" and direct you to the Fobbing Off Service. Of course, once they have issued a so-called "final response", they will still harass you for money, so the term "final response" means as much as Swahili written backwards.

I like the fact that they have started making "discount" offers with this. That is usually a sign that they are not in serious threat mode.

SH

I agree with you i intended to ignore it and would never speak to them over the phone .

[Undercover Elsa]

Re: spent2much UE diary

Just keep your eye on MKDP as they're issuing claims like confetti at the moment.
Anything they send, let us know immediately xx

[Spent2much]

Re: spent2much UE diary

Just keep your eye on MKDP as they're issuing claims like confetti at the moment.
Anything they send, let us know immediately xx

I will do thank you Elsa x

[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

24/12/2014 1st credit . Offer of their help to pay with a reduced offer .

update

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft)mine

Date commenced (2003)

Approx balance (£246)

Date last paid (22 June 2012)

Are you on arrangement or 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 sold to BLS 3/8/12

26/10/12
repayment plan arrears
overdue account ,
10 days to repay the amount owing
14/11/12 pay today reminder

13/12/12
from BLS

Please find enclosed a statement of account as requested.

Should you require any further assistance please telephone us.
14/12/12
BLS essential that you contact us today

22/12/12 from Halifax
As we haven't been able to agree a suitable repayment plan we've trasferred your account ot Moorcroft


28/12/12 from moorcroft

advising me Halifax have instructed them to collect the overdue debt of £246.26

It is a legal requirement to send a notice of intended litigation before legal proceedings in the county Court are issued. We believe that this letter fulfils this requirement even if it is not actually read by you .

To prevent our recommeding to our client that solicitors commence legal proceedings, it is essential that you settle this debt without delay. Payment should be submitted in full within 7 dyas or contact made with this office immediately, by telephone on 000000000000 or by letter, with your payment offer. Both our client and we do not wish to take this action but if agreement cannot be reached by 31/12/12 , a claim may be issued by solicitors to act on behalf of our client without further notice.

WE WOULD DRAW TO YOUR ATTENTION THAT IF JUDGTMENT AND AN ORDER FOR REPAYMENT IN FULL IS OBTAINED AND REMAINS UNPAID, A RANGE OF COURT ENFORCEMENT OPTIONS ARE AVAILABLE TO OUR CLIENT AND APPLICATION FOR ONE OF THESE MAY BE CONSIDERED.

We would emphasise that should judgement be entered agaisnt you this may affect any future credit application you may make elsewhere . Legal cost mentioned also blah blah


10/01/13 from Moorcroft
IMPORTANT INFORMATION-POSSIBLE FURTHER ACTION
pay before the 15/01/13 by calling us .

23/01/13 from Moorcroft
MONTHLY INSTALMENT OFFER

08/02/13 from midascreditservies
We are part of the Moorcroft Group and are aware that you have failed to reach repayment agreement with Moorcroft .
contact Moorcroft now to prevent possible further action


22/02/13 from Moorcroft

DISCOUNT OFFER installments .


30/ 03/13 from Moorcroft

discount offer

I am disappointed to note that despite our numerous attempts to contact you no satisfactory agreement has been reached regarding the balance oustanding of £246 on the above account.

However in one last attempt to come to an arrangement to prevent the possibility of further debt recovery action being recommneded our client has informed us that we may be able to offer you a substantial discount from your outstanding balance. This means that if you able to pay an acceptable lump sum within the next 14 days we will not pursue the remaining balance of the debt .



ignore ?
29/04/13 Halifax
Account transferred to Westcot Credit Services Ltd


18/05/13 SWID 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 on the number supplied .

TO AVOID WESTCOT TAKING FURTHER , YOU MUST

PAY THE DEBT IN FULL TO WESTCOT OR CONTACT US ON BLAH BLAH
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
15/05/13 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 £246.26 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 .

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

8/11/2013 from capquest
(wrong information about account they are saying it is a bank of Scotland credit card when it is a Halifax overdraft )
capquest have been asked to manage the account , usual threats of may send doorstep agents, possible litigation .
must contact them by the 15/11/2013 , if no contact then account will be passed to their solicitors HL Legaln

no contact will mean further action

23/11/2013 HL LEGAL solicitors
capquest has appointed us, on behalf of Bank of Scotland Credit Card. (this account is an overdraft ) not a credit card.

TAKE NOTICE THAT unless this account is paid in full or a satisfactory proposal for settlement is received by 05 Dec Court proceedings may be issued against you without further notice.

court costs explained

In the event that judgement is obtained against you,enforcement action will result in further costs .



I am going to send a quid to these muppets as they requested even though I begrudge it lol, must send it today though as I forgot about it .

ps notice the blue is working it seems to work on my laptop but not my main pc .

03/01/2014 sent £1 as requested will wait for them to realise it isn't a credit card but an overdraft



13/01/2014 capquest
we have been advised by bank of scotland that section 74 of cca 1974 provides that an overdraft on a current account will not fall within the documentation requirements of the cca . Therefore we are not providing a copy agreement for the above account. Please find enclosed your £1.00 postal order fee.

Please contact to discuss the payment options for this account.

31/01/2014 capquest
sending doorstep agents scotcall limited to arrange repayment

If a response is not made by 31/01/2014 an agent will be despatched and will call at the above address .

To avoid agent calling contact us by 31/01/2014

If contact is made before this date (impossible as this letter arrived today 31/01/2014,so bull shit as usual) they will offer a settlement figure of £184.70 to clear the amount.
will only show as parital settlement on credit file.

or can settle the account in instalments


2/02/2014 sent doorstep and phone call harassment letter to capquest

13/02/2014 Capquest

We have removed your telephone number from our system.

This account has been placed on hold until 08 March 2014 and we would be grateful if you could contact us during this period to advise us on how you would like to proceed with this account

If you require any further assistance , please do not hesitate to contact us.

11/12/14 assigned to 1st credit

24/12/2014 1st credit , offer for them to help pay with a reduced offer

update

[nightwatch]

Re: spent2much UE diary

This is a normal 1st letter, I would wait and see what comes next x

[Spent2much]

Re: spent2much UE diary

This is a normal 1st letter, I would wait and see what comes next x

yeah that's what i thought, but i got it slightly wrong , they haven't offered a reduction just an offer to help us pay at an affordable price , they also enclosed an income and expenditure sheet which i am not filling in .

[Spent2much]

Re: spent2much UE diary

Type of account (credit card) husband's

Date commenced (2005) i put 2005 but they may be before this also

Approx balance.( £2,242.71

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status (default received but don't have it as was burgled in 2010 and some of our personal papers were scattered in the snow and could not be recovered )

Account owner (originally monument but passed to Barclaycard )
09/07/2012 sent CCA request
27/07/2012 barclaycard they are dealing with request

12/02/2013 from barclaycard

cca recon sent to niddy


13/02/13 sent missing pt's
22/02/2013 from Barclaycard
About your complaint

Thank you for contacting us on 13 feb 2013 regarding your Barclaycard
account.

I am sorry that you have had reason to complain.
I understand you are not satisfied that we have complied with our boligations under section 78 of CCA . We believe your credit agreement to be fully
compliant with the Act and any allegations that it is not will be opposed. I realise this is not the answer you wanted,so I have given the details below so you can see the reasons behind our decision .
I am aware that we made errors in our previous response which i have amended accordingly. Feedback has been given to the member of staff who made this error.

I would like to assure you that the provision of a high level of service is of paramount importance to us and apologise for the oversight in the information provided with our previous letter.

I would like to acknowledge your request for a copy of your original agreement and I am able to confirm that this has been sent to the relevant department who will contact you directly regarding this.

_____

It goes on to explain about the case of Carey v HSBC then about the statement of the terms of the agreement as varied regulation 7 of CNC regulations provides that, where an agreement has been varied in accordance with section 82(1) of the Act(as is the case with your credit agreement)


___________


another 2 pages of statement of account
compliance with section 61 of the Act
office of fair trading.

timescales
your options
Please take this letter as our final response to your complaint. If anything is unclear or if you are unhappy with the way we have handled your complaint. please write to the above address. I will do all I can to answer your questions and reach an agreement with you .

28/02/2013 from barclaycard

Thank you for contacting Barclaycard.

Arrangements have been made for a copy of your ofiginal agreement to be issued to you, under separate cover, in due course.

May i also advise that your other queries are being handled by another deprartment and they will reply to you shortly.

I hope this information is of some assistance to you.



07/03/2013 from Barclaycard
they have semt an application form saying it is a cca. I have sent it to niddy


5/03/2013
Niddy says still

23/08/2013 Barclaycard
I am writing to inform you that the was assigned and transferred by Barclaycard to MKDP LLP on 16 August 2013

This means that the effective owners of the above account are now MKDP LLP.

MKDP LLP has appointed MK Rapid Recoveries as their servicing agent to manage your account on their behalf. All contact regarding your account should now be directed to Rapid Recoveries.

I confirm that the amount outstanding on your account as at August was £2324.18

With effect from date of this notice all payments due to Barclaycard shall be paid to MKDP LLP.
11/10/13 from Rapid Recoveries
Further to our recent communication regarding transfer of ownership of your balance we have not received your offer of payment.

We want to help you and are in a position to offer an instalment arrangement to clear the outstanding balance, but we can only do this after speaking to you.

Pleas call us to discuss ways we can help.

Until we reach an agreement to clear this balance we will continue to contact you telephone or letter so we would advise you to contact us to resolve this matter.
24/10/2013-MKrapid recoveries
As you have not taken up our offer of help, we have no option but for your account to now be referred to Keynes Collections for litigation consideration to resolve this on our behalf.
They may commence litigation against you which will increase the amount payable due to costs incurred .Should the matter proceed they could take against your property (if you are a homeowner)or have monies deducted directly from your salary (if you are employed)

It is not too late to resolve this matter, please contact us immediately to allow us to help you avoid this.

26/11/2013 from Barclaycard , they have sent the same cca as last time , just to make sure though i have sent it onto Niddy to take a look .
Still UE .

4/12/13 received a pile of statements from MKDP and a cover letter saying their client had fulfilled their obligation by providing them and the UE forms they sent .

5/12/13 MKDP Further to your letter of acknowledgment we sent you in regards to the above account.

At this time, we must apologise, as we are still unable to resolve your query. We are however currently liaising with the original creditor, and we will contact you as soon as we receive a response from them.

15/02/2014 MKDP

Further to our letter of acknowledgement sent you in regard to the above account, we write to advise you on the progress of your query.

At this time, we aplolgise , as we are still unable to resolve your query. We are however currently liaising with the original creditor, and will contact you as soon as we receive a response from them. As stated previously MKDP LLP take great care to ensure that such matters are dealt with in a professional manner and apologise for the delay in resolving you query.

12/03/14 Further to our letter of acknowledgement sent you in regard to the above account, we write to advise you on the progress of your query.

At this time, we aplolgise , as we are still unable to resolve your query. We are however currently liaising with the original creditor, and will contact you as soon as we receive a response from them. As stated previously MKDP LLP take great care to ensure that such matters are dealt with in a professional manner and apologise for the delay in resolving you query.

10/04/14 Further to our letter of acknowledgement sent you in regard to the above account, we write to advise you on the progress of your query.

At this time, we aplolgise , as we are still unable to resolve your query. We are however currently liaising with the original creditor, and will contact you as soon as we receive a response from them. As stated previously MKDP LLP take great care to ensure that such matters are dealt with in a professional manner and apologise for the delay in resolving you query.

11/05/14 Further to our letter of acknowledgement sent you in regard to the above account, we write to advise you on the progress of your query.

At this time, we aplolgise , as we are still unable to resolve your query. We are however currently liaising with the original creditor, and will contact you as soon as we receive a response from them. As stated previously MKDP LLP take great care to ensure that such matters are dealt with in a professional manner and apologise for the delay in resolving you query.

02/06/14 Further to our letter of acknowledgement sent you in regard to the above account, we write to advise you on the progress of your query.

At this time, we aplolgise , as we are still unable to resolve your query. We are however currently liaising with the original creditor, and will contact you as soon as we receive a response from them. As stated previously MKDP LLP take great care to ensure that such matters are dealt with in a professional manner and apologise for the delay in resolving you query.

07/07/14 Further to our letter of acknowledgement sent you in regard to the above account, we write to advise you on the progress of your query.

At this time, we aplolgise , as we are still unable to resolve your query. We are however currently liaising with the original creditor, and will contact you as soon as we receive a response from them. As stated previously MKDP LLP take great care to ensure that such matters are dealt with in a professional manner and apologise for the delay in resolving you query.

2/10/2014 Barclaycard/Monument

cca as requested .The cca they have sent is exactly the same as the last one which niddy said is UE , i won't even bother sending niddy this as it is identical so i shall send a missing P&T template

30/10/2014 sent missing P&T


sorry this is in blue it won't typein red

6/11/2014 received from MKP
Whilst i am sorry you remain dissatisfied , we have nothing further to add.

You made reference to the prescribed terms under section 60, please note all relevant terms are enclosed supplied to you , therefore we do not believe that any issue of unenforceability arises .

We can confirm we have spoken to an employee of Barclaycard who has confirmed that in accordance with the information stored on their systems and in line with their procedures, a properly executed agreement was in place in accordance with section 91.(1) of the consumer credit act 1972.

There is no requirement to provide you with an original signed copy of the executed agreement. Our obligation is satisfied by providing you with a reconstructed copy which is legible. As you are aware we have provided you with a copy previously .

As no new information has been provided to us regarding this matter i must advise you that our complaints procedure has been exhausted and we are unable to enter in to any further correspondence regarding this matter.
should you remain unhappy with our response, you do have the right to refer your concerns to the financial ombudsman service. This must be done within six months of the final response daated 10th october 2014 where a leaflet was previously enclosed which explains how to do this .


19/11/2014 again i can't type it in red

KEYNES COLLECTIONS

NOTICE OF INTENDED LEGAL ACTION

As you have failed to respond to previous correspondence or agree a payment plan we have been instructed by MKDP LLP to collect the outstanding balance in accordance with your agreement .

You had an agreement with Barclaycard which was assigned to MKDP LLP . Under the agreement the balance was to be repaid but you defaulted , breaching the agreement which has now been terminated . The full amount is now due and you are required to pay the outstanding balance to MKDP LLP.

This letter constitutes a formal demand for payment of £2.323.18 and i make in accordance with the Practice Direction.

This letter requires your immediate attention, Unless full payment or a suitable payment plan is agreed within 14 days from the date of this letter (10/11/2014) , legal action to recover the debt may be taken against you without further warning and your liability for costs may increase .

Please reply in writing quoting your full name and reference or alternatively you wish to cal us to discuss you account

12/12/2014 MKDP activity suspended whilst they investigate , as soo0n as they find anything out they will let me know

3/1/2015 MKDP

I write further to your recent correspondence and to our letter of acknowledgement in regards to the outstanding balance on your acount. Please accept this as our Final Response to your concerns.

I understand you are looking for further documents relating to the above mentioned account , i note you have referred to PD-PAC in your letter of the dated the 20th November 2014. At this point no legal action has been taken and we are currently trying to supply you with the relevant information so we can work together to come to a suitable arrangement.

i have enclosed

statements of account

reconstructed credit agreement

default notice

copy of the notice of assignment

I can confirm that a Barclaycard have not issued a termination notice for this account, and we not have to supply communications between ourselves and Barclaycard .

As verified in the enclosed documentation , you are liable for the outstanding balance stated above and we will resume our attempts to contact you to discuss a suitable repayment.

Due to the information above i regret to inform you that we will not be able to uphold your complaint.

We therefore request you contact us on 00000000000000000 to discuss your account. our opening times are *************

Should you remain unhappy with our response, you do have the right to refer your concern to the FOS . This must be done within six months of the date of this letter and i have enclosed a leaflet which explains how to do this .

update

when do defaults drop off the credit file this account was defaulted October 2010

what should i do now please

[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

24/12/2014 1st credit . Offer of their help to pay with a reduced offer .

5/01/2015 1st credit

letter giving me debt management companies names and then they can help me come to an arrangement to pay , enclosed is an income and expenditure form too .

update