spent2much UE diary

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft Lloydstsb) husband's

Date commenced (2003)

Approx balance (£384.89)original balance was £525

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 (moorcroft)

9/7/12 cca request sent
13/7/12 request from moorcroft for £1.00 so they can deal with the cca request
16/7/12 sent moorcroft £1 postal order
1/8/12 moorcroft have sent postal order back saying it needs to be sent to and written out to LloydsTsb
14/11/12 moorcroft asking for payment or may start legal proceedings.
Letter from Moorcrof today, say they need a £1 before they can process mt request .
this is an overdraft account i thought no £1 payment was needed

14/11/2012

Our records show that we have not received a payment from you since 02/08/12.

We must therefore ask you to make an immediate payment to us or contact this office within the next 48 hours.

Unless payment of this amount is received in the next 7 days we may remommend to our client that we take further debt recovery action against you without further notice.

Neither we nor our client wish to take this step and if you call us on the above number we would be happy to agree a repayment plan that you can afford and maintain.

Any payment may be attached to this letter and made payable to Moorcroft debt Recovery Ltd.

Yours sincerely.


30/11/12 Moorcroft,Our records show that despite our previous letters to you,payment has still not been received
your account is in arrears for the sum of £1.00
Contact your dmc to arrange payment , contact us if you are no longer dealing with this third party .
As a result of arrears the account has been passed to Home Collections Division for possible action
Threat of recovery action



21/1/13 from LloydsTsb account passed to Robinson Way

24/1/13 from robbers way
do not ignore they have been authorised to revover this debt in full , threat of court action

28/1/13 sent account sold while in dispute letter
1/2/13 from Robbers way

Your account has been passed to me for review. I am concerned that an affordable payment plan has not been agreed for payement of your account.

i want to make it simple for you to pay your account. Start to pay this account by making a MONTHLY PAYMENT OF JUST £30,(on due day of your choice), this can be agreed simply and quickly in one phone call to us. Or if you prefer, set the direct debit up online at http://www.robway.co.uk

If that is not affordable we need to hear from you, call us now, or email us at payline@robinson-way.com. Your circumstances will be considered.



If an affordable payment plan is not agreed with you, I will have no alternative but to pass your account for further action. Once your account leaves my hands there will be little more i can do to help you.


collections manager.


7/02/13

Please note we have noted the dispute/query you have raised.
We will make the necessary enquiries and let you know the outcome in due course.
Stopped all recovery action for time being

11/02/13 LloydsTsb
Cannot deal request until hubby sends a letter signed with his signature


13/02/13 to LloydsTsb CCA Request-Demand of Signature



18/02/2013 LloydsTsb

After looking into your complaint there is no record of you requesting a copy of the credit agreement for this account before now. I can assure you if we had been in reciept of this letter we would have responded sooner. Credit agreements do not apply to bank accounts and for this reason we cannot provide you with a copy of your credit agreement for the account requested.

I appreciate your concern with the fees which applied to your account. I can see you had a planned overdraft limit of £500. In providing you with this limit, we requested you to monitor the account and stay within its limit. I can see you last used your account on 26th february 2007 when you transferred £129.00 out of your account to leave £499.89 overdrawn. The transaction which took you overdrawn was the interest which we had pre notified you of. As such your account exceeded the planned overdraft and you were in an unplanned overdraft which was subject to unplanned overdraft fees as outlined in the terms and conditions of your account.

Fees continued to apply to your account until 2July 2007 , when we were made aware you were experiencing financial difficulties. From 26th Feb to 2 July 2007 £137.54 fees were applied correctly to your account.

When we were made aware you were experiencing difficulties and were dealing with Payplan we suspended all fees on the account and accepted the payments which were being made. Your account closed on 15 September 2008 with a debit balance of £599.68 and transferred to our Recoveries department as a longer repayment term was required . I can assure you no fees have been applied since 2 July 2007.

I appreciate you would rather make arrangements directly with us regarding payments, however, it is not practical for this to happen. It is normal for us to assign external recovery agents to act on our behalf (moorcroft) fromMay2011to August 2012. Due to no payments being made since then we assigned robinson way to contact you to discuss repayments.

To restore your confidence in us I have arranged for £137.54 fees to be credited to the account . Plese allow ten working days for the refunds to be processed at which point the amount owed will reduce to £384.89 . I will inform Robinson way of the revised balance.

21/02/13 LloydsTsb (no account number on this letter but i assume its for this account as hubbys tsb credit card is with 1st credit.

I was most concerned to receive your letter. Thank you for contacting us.

As your concerns relate to issues outside this control of this office, I have passed your concerns on to LloydsTSB's customer service recovery centre. It may take a while to gather all the facts together, but they will try to come back to you with a full response within the next few working days.

I think this letter has crossed with the one received a few days ago.

27/04/13 Robbers way

IMPORTANT PLEASE CONTACT US
Your account still remains unpaid despite previous letters and calls. Your account is due to be transferred to our solicitors, Horwich Farrelly in the next 10 days, who may consider court action.

If you would rather agree an affordable payment plan directly with us to prevent this account being passed to our solicitors, please contact us without delay.


Just trying to update this, I'm now confused, 27 th April 13 Robinson Way threatened to transfer this account to their solicitors Horwich farrelly, and then 15 May 2013 drysden/fairfax wrote saying their client has instructed them to collect this debt.

18/5/13 sent SWID to drysdenfairfax



24/5/13 drysdenfairfax- pay up or may consider court action
19/6/13 Robinson way doorspet visit threat
26/7/13 Account from Capquest
This letter is to inform you that your LRSB overdraft account has been referred to capquest to manage.

We have made enquires with experian crb who have confirmed that this is the current address for you.

it is our aim to agree a suitable plan with you to repay this debt. Our experienced team of negotiatiors are here to assit you in arranging a suitable arrangement . It is important an agreement is reached .

If contact is not made by this date your account will escalate to the next stage of recoveries (NO DATE WAS GIVEN)


09/08/2013 - Lloyds TSB
As we haven't been able to agree a suitable repaymnet plan we've transferred your Ltsb to capquest , please contact capquest asap to arrange to pay back the outstanding amount.

27/08/2013 capquest - this correspondence is to inform you that your ltsb account has been referred to capquest to manage in all matters relating to collection , which may include:

personal visits by our doorstep collection agency
possible litigation

it is our aim to ensure that a suitable payment plan is agreed and maintained. Our experienced team of negotiators are here to assist you in finding a plan that will clear your indebtedness, without the need for further action.
If you are not in a position to settle the account in full, you will need to contact us to discuss a suitable solution to this matter .
es your account for a pre-litigation review. Your account may be passed to our solicitors who may commence legal action on or around 16 th Oct 13.

Through the litigation process we will seek to obtain a County Court Judgement directing you to pay the monies outstanding. If we are successful and no payments are made towards your account, it maybe necessary to enforce the judgement through the courts by either a Warrant of Execution which will result in a bailiff visiting your address; by applying to the court for an attachment of earnings order which my result in deductions from you earnings by your employer or by seeking a charging order over you property to secure the judgement.

All of this action is avoidable . It is therefore in your interest to prevent the above course of action by contacting this office immediately to discuss settlement or a proposed arrangement to settle this debt.Our experienced pre-litigation team are on hand to assist you but this can only happen if you make contact before 16 Oct 13. Failure to respond by the date outlined may result in legal action being instigated.

31/10/2013 capquest
Please be advised that we are now in the process of making arrangements for our doorstep recovery agents ScotCall Limited, to visit you due to your failure to make a repayment arrangement.

goes on about agents want full amount , but will consider a f&f

must contact them before 07 Nov 13 to discuss account to avoid doorstep visit

12/12/13 Lloyds Bank - account passed to westcot


28/12/13 westcot REMINDER NOTICE
Our latest enquiries have now confirmed that you are still resident at this address but we have nor received a reply to our previous correspondence.

Unless you contact us to agree repayment within the next 10 days, further debt recovery 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.
[/QUOTE]

update

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)husband's

Date commenced (2003)

Approx balance (£467

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 (Capitol one)


9/7/12 cca request sent
1/9/12 account passed to Fredrickson
21/9/12 Fredrickson demanding payment
24/9/12 sent account sold while in dispute letter to Fredrickson and also to Cap One
6/10/12 from Fredrickson account on hold while they refer back to Cap One
10/10/12 Fredrickson ,.their client has complied with the cca request 16th July 2012
(we have not received a thing)
12/10/12 threat of court action
15/10/12 sent letter before action.
22/10/12 Fredrickson threat before action postcard
24/10/12 Fredrickson ,they have referred the account back to Cap One ,no longer instructed to deal with it.



11/01/13
from cap one letter scanned

24/01/13 sent a one liner asking Cap One to re-send the two letters they said they sent in July and Oct 2012
08/02/13 from Cap One
Thank you for your recent letter.
I would like to be able to help you with your query, but unfortunatley you did not sign letter.
To enable me to answer your query, please write to us at the address belwo including an example of your signature and your 16 digit account number as a reference:
Alternatively, you can call one of our specialist account managers who will go throught a security check with you and answer your query immediatley.
I'm sorry for the inconveience this may cause you. I realise how frustrating it is to have to to the trouble of contacting us again. However, we need to do this to protect the security of your account and personal detals.

02/03/2013 from Bryan Carter solicitors LLP

We write with regard to theis outstanding debt.
Payment must be made in full withing the next fourteen days failing which we will remommend to our client that proceedings be issued without further notice.
Sould proceedings be issued, additional charges will be added to the existing balance as shown below.
Outstanding balance £467.90
Interest £37.90
Court fees £30.00
Solicitors costs £50.00
New £585.33 if proceedings are issued.
If you dispute liability for this debt please state your reasons in writing
and supply us with documents in support of your defence to any claim.
Before the account is referred to us to litigate you still have an
opportunity to contact fredrickson Internationl Ltd with your payment
proposals. In order to avoid further action you should telephone them .

This is a serious matter and you should seek independent legal advice.

4/3/13 sent sold while in dispute to Bryan Carter

08/03/2013 from Bryan Carter solicitors

We write further to your letter dated 4 March 2013, the contents of which we note.

We believe that our client has complied with the Pre-Action Protocol so far as it applies to this matter.

For the avoidance of doubt however the monies due may be paid to our client's debt collection agents, Fredrickson International Limited, by direct debt, bank standing order, cash, cheque, debit card, payment card or postal order. Please see Fredrickson International Limited's notepaper for details of their address ad telephone number.

You may contact us between .....bla bla bla

We confirm that a list of organisations where independent advice could be obtained was provided on the overleaf of Fredricksons notepaper.

In relation to your request for documents, it is our client's policy to provided agreements to its customers at the point of contract and statements throughout and therefore you have already been provided with validation of the debt.

Our client confirms that they have fulfilled their obligations under section 78 of the consumer credit act 1974 in their letter to you dated 16 July 2012 and the debt remains enforceable .

At this time we have no instructions to litigate this account, however if Fredrickson International Limited does not hear from you with your payment proposals by 21 March 2013 we will seek further instructions from our client.
28/03/13 from Fredrickson International
Despite a recent letter from Bryan carter Solicitors you have failed to
discharge your debt with our client Capital One (europe)plc. We are
We are prepared to offer you one final opportunity to pay before recommending to our client that they instruct solicitors to issue a claim at your address.
At this late stage, and as a gesture of goodwill, we are prepared to accept a full and final settlement on this account provided that you contact us within 48 hours of reciept of this letter.

3/7/13 Cap One

PLEASE BE AWARE your account has moved

I am writing to advise you that your account is no longer being managed by the Debt Collection Agency who were acting on behalf of Capital One.

Please work with us to reduce your debt

It is important that you continue to make payments to your account. Payments should be made directly to Capital One unless otherwisde notified. Please see attached for payment methods.

Already settled ?

Please disregard this letter if you have agreed a settlement figure with the Debt collection agency and have made tht payment.

Have questions or need help?

If you have any questions please call us .


2/8/13 Capital One

I am writing to inform you that capital one have sold your account to Lowell Portfolio l Ltd, All contact about your account should now be with Lowell Portfolio l Ltd who will write you to provide details of how they can be contacted and how payments can be made.

Lowell will start reporting against your credit file within 30 days of you receiving this letter.

The outstanding balance on your account as at 18/07/2013 was £467.90 and this balance will be passed along with any payments or spend to Lowell .

02/08/2013 Lowell Prtfolio l Ltd

introduction of who they are and explaining when the account was bought by them and how they are entitled to receive payment of the outstanding balance.

How much owed how to contact them to arrange a monthly repayment plan

Please call to discuss how to repay the account

.

17/08/2013 Lowell financial

Lowell Protfolio wrote recently to tell you they have bought the outstanding balance you had with cap one ,You have not yet cleared the outstanding balance or entered into a repayment plan, so they have asked us to get in touch.

We can help you clear this outstanding balance and repaying your debt may help to improve your credit rating.

What you need to do now
Its very important that you do one of the following things asap

pay in full
contact us

Phone us now to clear you balance

20/08/2013 sent sold while in dispute letter to Lowell financial

[COLOR=#ff0000]02/09/2013 Lowell Financial

We want to help you clear your account
We still haven't agreed a repayment plan for the outstanding balance you have with us.

The longer you leave getting in touch or paying off the balance, the more you risk further action being taken against you including legal action. We may also ask one of our agents to arrange a time to visit you at your home do discuss your account and repayment of your debt if we don't hear from you. So please phone us on 00000000 as as.

The simplest way to pay
direct debt
blah blah blah

Call us straight away
It really is important that we har from you. Your outstanding balance may be affecting your ability to obtain all forms of credit inlcuding loans blaha blah

3/9/13 Lowell Porfolio l
We thank you for your recent letter and apologise for the delay in replying.

Your comments with regards to the fact that the account is in dispute with Cap One as they failed to acknowledge your CCA request.. We have queried this with Cap One and will advise you of their response upon receipt.

In the meantime we have requested a copy of the CCA in accordance with S77-79 together with statements.

13/09/13 Lowell- news on your credit agreement request
We have been in touch with Cap One about the copy of your credit agreement.

They have let us know they are trying to retrieve the agreement from their archive .As soon as we have it, we will send it to you.

What will happen next

In the event we cannot obtain a copy of the agreement we will write to you again and inform of this . Once you have seen your credit agreement , we will ask you to pay your outstanding balance in full
23/10/23013-Lowell - Cap One cannot locate the agreement due the age of the account so Lowell's are closing the account .will not make contact unless agreement is received .

16/12/13 Lowell cca enclosed , looking forward to proposal for repayment within 14 days

i have sent the agreement to niddy to look at .

ps i still am unable to change from red to blue to update my diary i have tried the advanced and it still wont work lol


24/12/13 sent cca to niddy he says it is UE for now as T&C do not match the cca so to send Lowell a missing p&t letter.

28/12/13 Lowell , We regret that despite previous correspondence regarding your account, we have not received payment or a valid reason for non-payment.

Failure to respond to this notice may result in further action to recover the monies owed by you.

We urge you to call us .

update

[Spent2much]

Re: spent2much UE diary

No, investing a pound is worth it just to run them about

okay i will send it lol

[vint1954]

Re: spent2much UE diary

No, investing a pound is worth it just to run them about

[Spent2much]

Re: spent2much UE diary

So long as it is accompanied by a CCA request

they think it is a credit card but it is an overdraft , should i tell them ?

[vint1954]

Re: spent2much UE diary

So long as it is accompanied by a CCA request

[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 .

update

[Pixie]

Re: spent2much UE diary

I'll keep an eye out in future and change it for you if you can't do it. Just remember to update with letters that you've sent.

[Spent2much]

Re: spent2much UE diary

Not sure why you can't change the colour. I've just tried and it worked fine I haven't changed it because it's a letter you've received.

You need to be entering what you send to dcas as well as the letters you receive. In my diary I have letters received in red and those sent in blue.

Let's see what Niddy says about the cca.

I know its strange isnt it , thank you

[Pixie]

Re: spent2much UE diary

Not sure why you can't change the colour. I've just tried and it worked fine I haven't changed it because it's a letter you've received.

You need to be entering what you send to dcas as well as the letters you receive. In my diary I have letters received in red and those sent in blue.

Let's see what Niddy says about the cca.

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)husband's

Date commenced (2003)

Approx balance (£467

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 (Capitol one)


9/7/12 cca request sent
1/9/12 account passed to Fredrickson
21/9/12 Fredrickson demanding payment
24/9/12 sent account sold while in dispute letter to Fredrickson and also to Cap One
6/10/12 from Fredrickson account on hold while they refer back to Cap One
10/10/12 Fredrickson ,.their client has complied with the cca request 16th July 2012
(we have not received a thing)
12/10/12 threat of court action
15/10/12 sent letter before action.
22/10/12 Fredrickson threat before action postcard
24/10/12 Fredrickson ,they have referred the account back to Cap One ,no longer instructed to deal with it.



11/01/13
from cap one letter scanned

24/01/13 sent a one liner asking Cap One to re-send the two letters they said they sent in July and Oct 2012
08/02/13 from Cap One
Thank you for your recent letter.
I would like to be able to help you with your query, but unfortunatley you did not sign letter.
To enable me to answer your query, please write to us at the address belwo including an example of your signature and your 16 digit account number as a reference:
Alternatively, you can call one of our specialist account managers who will go throught a security check with you and answer your query immediatley.
I'm sorry for the inconveience this may cause you. I realise how frustrating it is to have to to the trouble of contacting us again. However, we need to do this to protect the security of your account and personal detals.

02/03/2013 from Bryan Carter solicitors LLP

We write with regard to theis outstanding debt.
Payment must be made in full withing the next fourteen days failing which we will remommend to our client that proceedings be issued without further notice.
Sould proceedings be issued, additional charges will be added to the existing balance as shown below.
Outstanding balance £467.90
Interest £37.90
Court fees £30.00
Solicitors costs £50.00
New £585.33 if proceedings are issued.
If you dispute liability for this debt please state your reasons in writing
and supply us with documents in support of your defence to any claim.
Before the account is referred to us to litigate you still have an
opportunity to contact fredrickson Internationl Ltd with your payment
proposals. In order to avoid further action you should telephone them .

This is a serious matter and you should seek independent legal advice.

4/3/13 sent sold while in dispute to Bryan Carter

08/03/2013 from Bryan Carter solicitors

We write further to your letter dated 4 March 2013, the contents of which we note.

We believe that our client has complied with the Pre-Action Protocol so far as it applies to this matter.

For the avoidance of doubt however the monies due may be paid to our client's debt collection agents, Fredrickson International Limited, by direct debt, bank standing order, cash, cheque, debit card, payment card or postal order. Please see Fredrickson International Limited's notepaper for details of their address ad telephone number.

You may contact us between .....bla bla bla

We confirm that a list of organisations where independent advice could be obtained was provided on the overleaf of Fredricksons notepaper.

In relation to your request for documents, it is our client's policy to provided agreements to its customers at the point of contract and statements throughout and therefore you have already been provided with validation of the debt.

Our client confirms that they have fulfilled their obligations under section 78 of the consumer credit act 1974 in their letter to you dated 16 July 2012 and the debt remains enforceable .

At this time we have no instructions to litigate this account, however if Fredrickson International Limited does not hear from you with your payment proposals by 21 March 2013 we will seek further instructions from our client.
28/03/13 from Fredrickson International
Despite a recent letter from Bryan carter Solicitors you have failed to
discharge your debt with our client Capital One (europe)plc. We are
We are prepared to offer you one final opportunity to pay before recommending to our client that they instruct solicitors to issue a claim at your address.
At this late stage, and as a gesture of goodwill, we are prepared to accept a full and final settlement on this account provided that you contact us within 48 hours of reciept of this letter.

3/7/13 Cap One

PLEASE BE AWARE your account has moved

I am writing to advise you that your account is no longer being managed by the Debt Collection Agency who were acting on behalf of Capital One.

Please work with us to reduce your debt

It is important that you continue to make payments to your account. Payments should be made directly to Capital One unless otherwisde notified. Please see attached for payment methods.

Already settled ?

Please disregard this letter if you have agreed a settlement figure with the Debt collection agency and have made tht payment.

Have questions or need help?

If you have any questions please call us .


2/8/13 Capital One

I am writing to inform you that capital one have sold your account to Lowell Portfolio l Ltd, All contact about your account should now be with Lowell Portfolio l Ltd who will write you to provide details of how they can be contacted and how payments can be made.

Lowell will start reporting against your credit file within 30 days of you receiving this letter.

The outstanding balance on your account as at 18/07/2013 was £467.90 and this balance will be passed along with any payments or spend to Lowell .

02/08/2013 Lowell Prtfolio l Ltd

introduction of who they are and explaining when the account was bought by them and how they are entitled to receive payment of the outstanding balance.

How much owed how to contact them to arrange a monthly repayment plan

Please call to discuss how to repay the account

.

17/08/2013 Lowell financial

Lowell Protfolio wrote recently to tell you they have bought the outstanding balance you had with cap one ,You have not yet cleared the outstanding balance or entered into a repayment plan, so they have asked us to get in touch.

We can help you clear this outstanding balance and repaying your debt may help to improve your credit rating.

What you need to do now
Its very important that you do one of the following things asap

pay in full
contact us

Phone us now to clear you balance

20/08/2013 sent sold while in dispute letter to Lowell financial

[COLOR=#ff0000]02/09/2013 Lowell Financial

We want to help you clear your account
We still haven't agreed a repayment plan for the outstanding balance you have with us.

The longer you leave getting in touch or paying off the balance, the more you risk further action being taken against you including legal action. We may also ask one of our agents to arrange a time to visit you at your home do discuss your account and repayment of your debt if we don't hear from you. So please phone us on 00000000 as as.

The simplest way to pay
direct debt
blah blah blah

Call us straight away
It really is important that we har from you. Your outstanding balance may be affecting your ability to obtain all forms of credit inlcuding loans blaha blah

3/9/13 Lowell Porfolio l
We thank you for your recent letter and apologise for the delay in replying.

Your comments with regards to the fact that the account is in dispute with Cap One as they failed to acknowledge your CCA request.. We have queried this with Cap One and will advise you of their response upon receipt.

In the meantime we have requested a copy of the CCA in accordance with S77-79 together with statements.

13/09/13 Lowell- news on your credit agreement request
We have been in touch with Cap One about the copy of your credit agreement.

They have let us know they are trying to retrieve the agreement from their archive .As soon as we have it, we will send it to you.

What will happen next

In the event we cannot obtain a copy of the agreement we will write to you again and inform of this . Once you have seen your credit agreement , we will ask you to pay your outstanding balance in full
23/10/23013-Lowell - Cap One cannot locate the agreement due the age of the account so Lowell's are closing the account .will not make contact unless agreement is received .

16/12/13 Lowell cca enclosed , looking forward to proposal for repayment within 14 days

i have sent the agreement to niddy to look at .

ps i still am unable to change from red to blue to update my diary i have tried the advanced and it still wont work lol

update

[cardiac arrest]

Re: spent2much UE diary

I also echo the above sentiments...and wish you all the best at this difficult time..

[cymruambyth]

Re: spent2much UE diary

I just echo everyone else's sympathy a difficult time for you and your family

[Miss Muddled]

Re: spent2much UE diary

Sorry to hear of your sad loss too S2M. Sending loving thoughts to all your family

[nightwatch]

Re: spent2much UE diary

Sorry to hear of your loss S2M My love to you all x