spent2much UE diary

[Spent2much]

Re: spent2much UE diary

update

how should i respond to the above letter please ?

[Spent2much]

Re: spent2much UE diary

update



09/11/2012

Lloydstsb

We are writing to notify you that Lloyds TSB has assigned all of its respective rights, title and interest in respect of the above referenced account (including the outstanding balance) to Cabot Finanancial (UK) Linited effective 02/10/2012

The totoal balance sold was £8527.10 , as at the date of sale 02/10/2012. Any payments made towards your account after 02/10/2012 will be forwarded to Cabot and will be deducted from the balance.

Under the terms of this assignement, and as defined in the data protection Act 1998, Cabot is now the Data Controller of your personal data contained in the records of this account.

Cabot has been appointed by Cabot t, to manage your accoint in line with the arrangements agreed with BLS Collections. It is essential that all future payments and correspondence regarding this account now be directed to cabot .

update

[pepe2008]

Re: spent2much UE diary

how should i respond to the above letter please ?

I wouldn't send any response personally, let it go back to Crapquest then see.

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)husband's

Date commenced (2003)

Approx balance (£4,782)

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)

niddy says

received today 20/09/2012

Halifax has assinged all of its respective rights, title and interest in respect of the abover ref account (including outstanding balance) to Cabot Financial (UK) Limited effective from 03/08/2012

from Cabot 09/11/2012

Your account is overdue.
You agreed to make monthly repayments to Cabot via a debt counsellor , but according to our records, these payments have stopped (NO I DID NOT AGREE)

blah blah blah

update

[Spent2much]

Re: spent2much UE diary

update

how about this one, what do i send for this , they added some charges to the loan which makes it ue, what should i be sending now please and thank you


update

sent missing pt's october 2012

received today 08/11/2012

Dear Mr ***

I write in response to your letter received on 19th October 2012 of which the content has been duly noted.

CapQuest received your letter requesting documentation on 16th July 2012 to which a requst to Black Horse Limited for the documentation was made and duly forwarded to you upon our receipt on 26th September 2012.
.

You have advised in your letter the copy of agreement appears to be missing the prescribed terms and condtions. I have highlighted the terms and conditions on the reverse of the agreement and have enclosed a further copy for your ease together with copy statment.

On the credit agreement that has been supplied to you it states' This is a Hire-Purchase Agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by its terms' This credit agreement has been signed and therefore you are bound by the terms and conditions that have been supplied.

We appreciate that you belive the agreement supplied is non copliant with the CCa 1974 however, it is liely you would have received a copy of the agreement when signed and consequently we believe they would ahve every opportunity to raise any concerns they may have had in relation to their agreement .

You also refer to the provision of the recent Carey v HSBC: Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 which deal in Regualtion 3. with the requirments as to form and content of copy documents.He detrmined that a copy of the document provided need not be a photocopy of the original nor need the copy provided be in the same format. He clarified that the cpoy may be reconstructed from other sources as long as it is produced hoe=nestly and accurately.

With regards to the copy of agreement that we have supplied to you containing the terms and conditions, we belive is a true copy and we remain satisfied that your agreement is valid and fully enforceable.

In order to help us understand your dispute, could you please clarify the following in your response:

. DO YOU DENY EVER SIGHING AN AGREMENT FOR A HIGHR PURCHASE AGREEMENT?
.DO YOU DENY EVER RECEIVING GOODS?
.DO YOU DENY EVER RECEIVING STATMENTS FOR YOUR HIGHER PURCHASE AGREEMENT?
.DO YOU DENY EVER MAKING PAYMENTS BLACK HORSE LTD.

I have held your account for a further 28 days to await your response, if a response is not forthcoming the account will be returned to CapQuest collections to discuss your account.

update

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)mine

Date commenced (2003)

Approx balance (£1,756)

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)





from Cabot 09/11/2012

Your account is overdue.
You agreed to make monthly repayments to Cabot via a debt counsellor , but according to our records, these payments have stopped (NO I DID NOT AGREE)

blah blah blah

update

[vint1954]

Re: spent2much UE diary

how should i respond to the above letter please ?

When Cabot get in touch, send the sold while in dispute letter.

[vint1954]

Re: spent2much UE diary

update

If not already sent, I would send this http://www.all-about-debt.co.uk/temp...lity/s3-t4.php

[Spent2much]

Re: spent2much UE diary

how about this one, what do i send for this , they added some charges to the loan which makes it ue, what should i be sending now please and thank you


update

sent missing pt's october 2012

received today 08/11/2012

Dear Mr ***

I write in response to your letter received on 19th October 2012 of which the content has been duly noted.

CapQuest received your letter requesting documentation on 16th July 2012 to which a requst to Black Horse Limited for the documentation was made and duly forwarded to you upon our receipt on 26th September 2012.
.

You have advised in your letter the copy of agreement appears to be missing the prescribed terms and condtions. I have highlighted the terms and conditions on the reverse of the agreement and have enclosed a further copy for your ease together with copy statment.

On the credit agreement that has been supplied to you it states' This is a Hire-Purchase Agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by its terms' This credit agreement has been signed and therefore you are bound by the terms and conditions that have been supplied.

We appreciate that you belive the agreement supplied is non copliant with the CCa 1974 however, it is liely you would have received a copy of the agreement when signed and consequently we believe they would ahve every opportunity to raise any concerns they may have had in relation to their agreement .

You also refer to the provision of the recent Carey v HSBC: Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 which deal in Regualtion 3. with the requirments as to form and content of copy documents.He detrmined that a copy of the document provided need not be a photocopy of the original nor need the copy provided be in the same format. He clarified that the cpoy may be reconstructed from other sources as long as it is produced hoe=nestly and accurately.

With regards to the copy of agreement that we have supplied to you containing the terms and conditions, we belive is a true copy and we remain satisfied that your agreement is valid and fully enforceable.

In order to help us understand your dispute, could you please clarify the following in your response:

. DO YOU DENY EVER SIGNING AN AGREMENT FOR A HIGHR PURCHASE AGREEMENT?
.DO YOU DENY EVER RECEIVING GOODS?
.DO YOU DENY EVER RECEIVING STATMENTS FOR YOUR HIGHER PURCHASE AGREEMENT?
.DO YOU DENY EVER MAKING PAYMENTS BLACK HORSE LTD.

I have held your account for a further 28 days to await your response, if a response is not forthcoming the account will be returned to CapQuest collections to discuss your account.

update

does this need a ny response please this is a joint loan with Black Horse , the cca is ue because of an arra ngement fee added to loan . I sent missing pt's and got the above reply
thanks

[gravytrain]

Re: spent2much UE diary

I had one of these with welcome some years ago, they declined to pursue

I am not familiar with your templates, yet. But rather than a missing prescribed term , it would appear that there was an incorrectly stated prescribed term(total credit, guessing) because the fee was contained in it.

Fees should form part of the charge for credit. (section 9(4) of the CCA) not the total credit.

As for all the questions they ask, the are irrelevant. IMO

[Spent2much]

Re: spent2much UE diary

Type of account (JJB sports mastercard)husband's

Date commenced (2004)

Approx balance (£580)WMD have the balance at £657.69

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 ( oQor)

30/08/2012 threatogram doorstep visit

03/09/2012 sent doorstep threatogram letter

12/11/2012

from WMD

Our client account number ***********
client name Sygma Bank UK

The account you held with Sygma bank uk has been passed to west midlands debt collection limited for recovery and currently has an outstanding balance of £***

Full payment of the balance is required IMMEDIATELY.
Please contact us without delay to discuss the full repayment of the debt. It is in your own interest to give this matter your urgent attention.

If you are uanble to pay your debt in full, please call us urgently to speak with a specialist payment advisor, who will discuss a payment option that is in your current ability to repay this debt. We accept that you may be experiencing financial difficulties and aim to help you through this difficult time.

This matter requires your urgent attention. To stop further action you must select one of the payment option listed at the side of this letter or contact us .

Please do not conact our client as they will refer you us.

update

28/11/2012

You have not responded to our earlier letter regarding this outstanding debt. I am concerned that you have not understood the seriousness of the situation and I would therefore like to make our postion clear.

We have every intention of collecting this debt, even if we have to arrange for a collector to call at your address , or commence legal action.

I am sure this debt is causing you considerable worry, but in order for us to help you, we need to speak to you. Please don't ignore this; call us today and we may be able to agree a repayment plan or a discounted settlement figure.We will consider all offers.

yours sincerely

WMD west Midlands Debt collections Ltd

[Never-In-Doubt]

Re: spent2much UE diary

Ignore them! It's £580 after all

Keep us updated as they'll send a follow-up at which point you'd let us know here....

[Spent2much]

Re: spent2much UE diary

Ignore them! It's £580 after all

Keep us updated as they'll send a follow-up at which point you'd let us know here....

thanks niddy, also i sent a so called cca from argos i am pretty sure its ue as it looks like pages of conditions , not sure if you saw it yet

[Never-In-Doubt]

Re: spent2much UE diary

thanks niddy, also i sent a so called cca from argos i am pretty sure its ue as it looks like pages of conditions , not sure if you saw it yet

Sorry yes I thought I replied..... it has no agreement, so yes it'll be UE - you need to send the missing PT's template

[Spent2much]

Re: spent2much UE diary

Sorry yes I thought I replied..... it has no agreement, so yes it'll be UE - you need to send the missing PT's template

Thank you niddy :niddy