spent2much UE diary

[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 )

solicitors letter received today, this is the first i have received after sending for the overdraft cca request .

GPB solicitors LLP

They have been contacted by iqor in relation to monies owd to LTSB
If full payment , or proposals for payment are not recieved by iqor within 10 days from the date of this lettr 30/7/2012 , it is likely that we will be instructed to commence legal proceedings.
Please note we are instructed NOT to enter into corresondence with you at this stage but to refer the matter to our client iqor . Ples contact them directly.

I have just added to this letter the part on the bottom of the letter about gpb solicitors being instructed NOT to enter into correspondence with me .

suggestions please ?

[Spent2much]

Re: spent2much UE diary

The letter seems a tad long-winded.... and without re-capping on the thread, I'm unsure why you've decided to re-issue a PO.... ... but assume you have valid reasons.

I'd be more inclined to write something like:

I do not acknowledge any debt to your company.

Further to your most recent correspondence, please find enclosed a PO in connection with my request under the Consumer Credit Act 1974; dated xx/xx/xx

I trust there will be no further complications.

Yours faithfully,

Something like that.... but it's entirely your call.

i sent this today , see what they say, one thing that concerns me though is that for the past four years i have been paying through dmp so i have acknowledged it haven't i ? but in the letter just sent i said i don't acknowledge any debt through them .oh well never mind

[Spent2much]

Re: spent2much UE diary

solicitors letter received today, this is the first i have received after sending for the overdraft cca request .

GPB solicitors LLP

They have been contacted by iqor in relation to monies owd to LTSB
If full payment , or proposals for payment are not recieved by iqor within 10 days from the date of this lettr 30/7/2012 , it is likely that we will be instructed to commence legal proceedings. blah blah blah

suggestions please ?

what should i do about this letter recieved today suggestions please

[vint1954]

Re: spent2much UE diary

what should i do about this letter recieved today suggestions please

Have you already sent this one? Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

If you have sent this to LTSB, send GPB a copy with a short covering note.

[Spent2much]

Re: spent2much UE diary

Have you already sent this one? Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

If you have sent this to LTSB, send GPB a copy with a short covering note.

I sent the overdraft template letter , and this is the only corrospondence i have had .
I get the feeling that they don't want to send me any information about the account and just want to try and scare me with the threats .
This account is in dispute .

[PriorityOne]

Re: spent2much UE diary

i sent this today , see what they say, one thing that concerns me though is that for the past four years i have been paying through dmp so i have acknowledged it haven't i ? but in the letter just sent i said i don't acknowledge any debt through them .oh well never mind

Yes, you've acknowledged it by paying.... but now, you've changed your mind...

solicitors letter received today, this is the first i have received after sending for the overdraft cca request .

GPB solicitors LLP

They have been contacted by iqor in relation to monies owd to LTSB
If full payment , or proposals for payment are not recieved by iqor within 10 days from the date of this lettr 30/7/2012 , it is likely that we will be instructed to commence legal proceedings. blah blah blah

suggestions please ?

Is the overdraft that was with Moorcroft?

[Spent2much]

Re: spent2much UE diary

Yes, you've acknowledged it by paying.... but now, you've changed your mind...
this overdraft is my husbands .With moorcroft, i sent the letter saying i do not acknowledge a debt with them .



Is the overdraft that was with Moorcroft?

no this is mine , the other is my husbands and is with moorcroft , its getting confusing now , but the moorcroft account it the one where the postal order was returned and i sent the lettr today telling them i do not akcnowledge any debt with them, the other is also an overdraft which is mine and they have not sent anything aprart from the threatening letter from their solicitors .I need to know what to do about that letter, do i just ignore it or what ?

[PriorityOne]

Re: spent2much UE diary

this is the one with moorcroft yes.

So Moorcroft have now passed it to Iqor, who have "introduced" themselves with a reasonably mild GPB sols. threat letter.....

In dispute then. With any luck, they might be thick enough not to realise it's an overdraft anyway.... .... but even if they do, they would still need to provide a breakdown of how they arrived at the figures they claim to have....

[vint1954]

Re: spent2much UE diary

I sent the overdraft template letter , and this is the only corrospondence i have had .
I get the feeling that they don't want to send me any information about the account and just want to try and scare me with the threats .
This account is in dispute .

You may want to remind them that it is in dispute and refer them back to Iqor, if that is who you sent the OD letter to, if not refer them back to the OC.

[Spent2much]

Re: spent2much UE diary

So Moorcroft have now passed it to Iqor, who have "introduced" themselves with a reasonably mild GPB sols. threat letter.....

In dispute then. With any luck, they might be thick enough not to realise it's an overdraft anyway.... .... but even if they do, they would still need to provide a breakdown of how they arrived at the figures they claim to have....

No Moorcroft still have the debt but i sent them the postal order back today with the i do not acknowledge this debt .

iqor haven't sent any information from my request but sent the debt which is mine onto their solicotors .

[Spent2much]

Re: spent2much UE diary

You may want to remind them that it is in dispute and refer them back to Iqor, if that is who you sent the OD letter to, if not refer them back to the OC.

yes thats right , iqor have my overdraft and sent it to their solicotors who sent the threat today.

[PriorityOne]

Re: spent2much UE diary

No Moorcroft still have the debt but i sent them the postal order back today with the i do not acknowledge this debt .

iqor haven't sent any information from my request but sent the debt which is mine onto their solicotors .

yes thats right , iqor have my overdraft and sent it to their solicotors who sent the threat today.

Eh? I thought this was the same debt? Or are we talking two seperate overdraft debts here?

[PriorityOne]

Re: spent2much UE diary

no this is mine , the other is my husbands and is with moorcroft , its getting confusing now , but the moorcroft account it the one where the postal order was returned and i sent the lettr today telling them i do not akcnowledge any debt with them, the other is also an overdraft which is mine and they have not sent anything aprart from the threatening letter from their solicitors .I need to know what to do about that letter, do i just ignore it or what ?

Must have missed this post..... SORRY!!!!!

[Spent2much]

Re: spent2much UE diary

Eh? I thought this was the same debt? Or are we talking two seperate overdraft debts here?

yes two seperate , one is mine which is with iqor, the other is hubbys with moorcroft.

If you think this is confusing wait until the halifax start replying i have 3 of mine, a joint one with hubby and then hubby has one of his own .

[PriorityOne]

Re: spent2much UE diary

If you think this is confusing wait until the halifax start replying i have 3 of mine, a joint one with hubby and then hubby has one of his own .