spent2much UE diary

[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

[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

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

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.

[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

[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 ?

[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

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

RED/Hampton/Lowell - Support Group

okay thank you

[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

• 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 ?

[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

[nightwatch]

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

[Spent2much]

Re: spent2much UE diary

the templates are of line at the moment you will have to get a site team member to link you through to it

I thought i linked you to it the other day ??

you did but there isnt a specific one for overdrafts

[nightwatch]

Re: spent2much UE diary

the templates are of line at the moment you will have to get a site team member to link you through to it

I thought i linked you to it the other day ??

[Spent2much]

Re: spent2much UE diary

Send this

Sorry i have confused all of you as i have been really ill with the flu and just getting things sorted again . I have sent the above response for the credit card(Monument Barclaycard) yesterday .

I seem to be having trouble finding a SWID response for this account http://forums.all-about-debt.co.uk/s...l=1#post447832