spent2much UE diary

[Spent2much]

Re: spent2much UE diary

Was it the standard ss. 77-79 CCA request you sent, or the specialist one for overdrafts in Niddy's post which I've linked to in post #648?

SH

overdraft cca we sent , i am sending the reminders today so need to know which template to use please and thank you

[ScabHunter]

Re: spent2much UE diary

overdraft cca we sent , i am sending the reminders today so need to know which template to use please and thank you

In that case, definitely go here -

Overdrafts - CCA Information - allaboutFORUMS

and scroll down to the section headed "Part 2 - The Response".

The letter just under that heading is the one you need.

SH

[Still Waving]

Re: spent2much UE diary

In that case, definitely go here -

Overdrafts - CCA Information - allaboutFORUMS

and scroll down to the section headed "Part 2 - The Response".

The letter just under that heading is the one you need.

SH

Hi.

Sorry to butt in, and being something of a newbie I'm certainly not an authority, but as I read the discussion the OP has not had a response to the o/d CCA request. It seems to me that it is too soon for the template in Part 2, and that what the party chasing need to be sent at this stage is just a reminder that they have failed to respond to the request (enclosing a copy of the original).

Please feel free to correct me if I am mistaken.

[Spent2much]

Re: spent2much UE diary

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

update

[Spent2much]

Re: spent2much UE diary

In that case, definitely go here -

Overdrafts - CCA Information - allaboutFORUMS

and scroll down to the section headed "Part 2 - The Response".

The letter just under that heading is the one you need.

SH

thank you will print that and send today

[vint1954]

Re: spent2much UE diary

update

If it were me, I would just send a one liner in response to this.

Further to your letter dated xxxxx, please find enclosed a copy of my outstanding request.

Also enclose a copy of the doorstep threat letter

[Spent2much]

Re: spent2much UE diary

If it were me, I would just send a one liner in response to this.

Further to your letter dated xxxxx, please find enclosed a copy of my outstanding request.

Also enclose a copy of the doorstep threat letter

Thanks , is this your suggestion for the JJB account because i hav3 already sent halifax overdraft cca reminders now .

[vint1954]

Re: spent2much UE diary

Post 654 s2m,

I assume that this is you OD

[Spent2much]

Re: spent2much UE diary

Post 654 s2m,

I assume that this is you OD

thanks i will send the one liner and the doorstep threatogram then

It's not an overdraft its hubbys jjb card a store card.

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft Lloydstsb) husband's

Date commenced (2003)

Approx balance (£520)

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
13/7/12 request from moorcroft for £1
16/7/12 sent them a £1 postal order
1/8/12 moorcroft sent postal order back saying it needs to be sent 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.

30/11/2012
from Moorcroft

Our records show that despite our previous letters to you,payment has still not been made on the agreement in place on our system with the result that your account is now in arrears for the sum of £1.00

Our records also show that your are dealing with us via a third party, If this is still the case please contact them concerning this matter as soon as possible to clarify the position.If however, you are no longer dealing with this third party organisation please contact our call centre directly.

As a result of the arrears on your account it has now been passed to our Home Collections Division for possible action. If contact is not made with our offices as above, this may involve our local representative calling at your home address to discuss the account with you and to seek to establish how you propose to settle the balance outstanding.

We would emphasise that if no satisfactory agreement is made with us or our local representative you may leave us with no alternative but to recommend to our client that they take debt recovery action against you.

Please could you either you or your representative contact us no later than 06/12/12

update

[ScabHunter]

Re: spent2much UE diary

Arrears for the sum of £1, and they want to take you to court!!!!!

Under no circumstances should you trust this amount of money to the postal service, nor to any system of electronic banking. Withdraw the cash from as many ATM machines as possible, so that the load is spread equally between them. Place the cash in secure black bags, and place the bags in with other bags to act as decoys. Hire a security van with as many armed officers as you can afford, and be prepared to transport the money yourself.

Travel by a round about route, to foil professional criminal gangs who may have heard about your journey. Try to stay in the back of the van so you are not visible to the outside, use camouflage on the van, and wear disguises. When you arrive at your destination, make sure you enter the building with an armed guard in front of you, one to the rear, and one on each side. Ask for security verification from all alleged Moroncrap employees.

Make sure the cash is counted out while you are still present, and a duplicated receipt obtained. You'll have to be very patient while the clerk counts out the money.

SH

PS - On the other hand, you could just ignore the cretins. Up to you.

[Spent2much]

Re: spent2much UE diary

Arrears for the sum of £1, and they want to take you to court!!!!!

Under no circumstances should you trust this amount of money to the postal service, nor to any system of electronic banking. Withdraw the cash from as many ATM machines as possible, so that the load is spread equally between them. Place the cash in secure black bags, and place the bags in with other bags to act as decoys. Hire a security van with as many armed officers as you can afford, and be prepared to transport the money yourself.

Travel by a round about route, to foil professional criminal gangs who may have heard about your journey. Try to stay in the back of the van so you are not visible to the outside, use camouflage on the van, and wear disguises. When you arrive at your destination, make sure you enter the building with an armed guard in front of you, one to the rear, and one on each side. Ask for security verification from all alleged Moroncrap employees.

Make sure the cash is counted out while you are still present, and a duplicated receipt obtained. You'll have to be very patient while the clerk counts out the money.

SH

PS - On the other hand, you could just ignore the cretins. Up to you.

that's absolutely brilliant made me laugh so much thank you. Love your sense of humour

[Spent2much]

Re: spent2much UE diary

Type of account (JJB sports mastercard)husband's

Date commenced (2004)

Approx balance (£580)

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)
9/7/12 cca sent
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.

28/11/2012
WHD we may do this we may do that , doorstep threat
3/12/2012
iQor
Dear *****
We thank you for your letter.

On checking our records , we find that this has been closed on our files and returned to our Client of their control and management
Please not your fee enclosed un-cashed.
Please contact client direct regarding any quieries you may have quoting the client reference number obove.

update

[ScabHunter]

Re: spent2much UE diary

That must represent at least a partial result. One gang of chancers seen off.

Do I take it from what you have said that a CCA request was sent to iQor, and they have just sent back the PO uncashed? Did they enclose an uncashed PO?

SH

[Spent2much]

Re: spent2much UE diary

That must represent at least a partial result. One gang of chancers seen off.

Do I take it from what you have said that a CCA request was sent to iQor, and they have just sent back the PO uncashed? Did they enclose an uncashed PO?

SH

yes they sent the uncashed PO back , that's useless now what a waste of a quid