spent2much UE diary

[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)
9/7/12 cca request
23/7/12Halifax sent conditions sent to niddy may be UE until they .
9/8/12 application form recieved niddy says



13/8/12 sent missing PT's
20/9/12 account assigned to Cabot as 3/8/12
9/11/12 Cabot reminder for payment.

7.01.13
from Cabot

No reply from your debt counsellor

According to our records we haven't had a reply from your debt counsellor. If you'd still like the counsellor to manage your accout for you, please ask them to contact us as soon as possible.

However, if you'd now prefer to deal with your account yourself, please call Cabot and let us know.

If we don't hear from you

Unless you or your debt counsellor contact us within the next 14 days we'll pass your account back to our Collections Department and they'll contact you directly.

Contact Cabot

If you have any queries , call one of our helpful customer advisors on 0800 328 0708

update

[ScabHunter]

Re: spent2much UE diary

update

Have Crapbot really waited for nearly two months before coming out with this pile of dung? That is not like them.

No response needed. Just absorb two weeks and wait until their ATTEMPTED Collections “Department” bothers you again.

SH

[Spent2much]

Re: spent2much UE diary

Have Crapbot really waited for nearly two months before coming out with this pile of dung? That is not like them.

No response needed. Just absorb two weeks and wait until their ATTEMPTED Collections “Department” bothers you again.

SH

will do

[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
28/9/12 account passed to BLS 3/8/12
received today 26/10/2012


Repayment Plan Arrears £***

We are contacting you about the above account as the repayment plan you agreed is still overdue.

We have previously reminded you about the money you owe and you must pay the amount outstanding straight away. You can do this by calling the number above .
If you do not pay the outstanding amount to bring your account back on track withing 10 days from the date of this letter your account will fall further into arrears, This could result in your repayment plan being cancelled and the full balance of £*** will be due.

If you are exprincing financial difficulties we would suggest you contact a Debt Management Company company such as CAB or cccs . They are fee organisations who will assist you by offering independant advice on your situation.
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
from BLS it is 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 transferred your HALIFAX debt to dect collection agency. Moorcroft Group Plc, We've instructed Moorcroft Group Plc to arrange collection of the outstanding amount.

Please contact Moorcroft as soon as possible to pay back the outstanding blalance.

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

To prevent possible further debt recovery action, please send your payment proposal before 15/01/13 or telephone 00000000 within the next 7 days.

If you do not contact us following receipt of this letter we may have no alternative other than to recommend to our clients that they consider possible further debt recovery action against you, which may follow.

update, i take it this requires no action

[Pixie]

Re: spent2much UE diary

In light of Paul's views on keeping a paper trail, I would send a one-liner saying that the account is in dispute.

Moorcroft gave up chasing me for my OD pretty quickly.

[Spent2much]

Re: spent2much UE diary

In light of Paul's views on keeping a paper trail, I would send a one-liner saying that the account is in dispute.

Moorcroft gave up chasing me for my OD pretty quickly.

ok thank you , i hope fairfax solicitors give up easy as they have the other 3 accounts and you know how i feel about fairfax

[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
1/9/12 account passed to Fredrickson's
21/9/12 Fredrickson demanding payment
24/9/12 sold in dispute letter also copy sent to Cap One
6/10/12 account on hold while they refer back to Cap one.
10/10/12 Fredrickons saying their client has complied with the cca on 16/7/12)not received a thing)
12/10/12 threat of court action
15/10/12 threatogram sent letter before action
22/10/12 threat before action postcard advised threatogram letter again
24/10/12 Fredrickson They have rreferred the account back to Cap One no longer instructed to deal with it.


11/01/13
from cap one letter scanned

cap one 1.jpg (112.9 KB)
cap one 2.jpg (68.7 KB)

update. Haven't received the information which cap one are claiming to have sent back in July 2012 so what should i do next please and thank you

cap one 1.jpg (112.9 KB)
cap one 2.jpg (68.7 KB)

[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
1/9/12 account passed to Fredrickson's
21/9/12 Fredrickson demanding payment
24/9/12 sold in dispute letter also copy sent to Cap One
6/10/12 account on hold while they refer back to Cap one.
10/10/12 Fredrickons saying their client has complied with the cca on 16/7/12)not received a thing)
12/10/12 threat of court action
15/10/12 threatogram sent letter before action
22/10/12 threat before action postcard advised threatogram letter again
24/10/12 Fredrickson They have rreferred the account back to Cap One no longer instructed to deal with it.


11/01/13
from cap one letter scanned

update


cap one 1.jpg (112.9 KB)
cap one 2.jpg (68.7 KB)

[Pixie]

Re: spent2much UE diary

I would send them a one liner explaining that you haven't received either of the letters they mention and ask them to send them again.

It's strange that 2 letters have gone missing

[Spent2much]

Re: spent2much UE diary

I would send them a one liner explaining that you haven't received either of the letters they mention and ask them to send them again.

It's strange that 2 letters have gone missing

indeed it is

[ScabHunter]

Re: spent2much UE diary

10/01/13 from Moorcroft

IMPORTANT INFORMATION-POSSIBLE FURTHER ACTION

To prevent possible further debt recovery action, please send your payment proposal before 15/01/13 or telephone 00000000 within the next 7 days.

If you do not contact us following receipt of this letter we may have no alternative other than to recommend to our clients that they consider possible further debt recovery action against you, which may follow.

update, i take it this requires no action

“Darling Moroncrap threat Dalek,

I am in receipt of your poorly written, embarrassing, utterly unintelligible puerile drivel, and the dead brain cells from reading it.

Earwig euphonium donkey droppings mangle eating elastic sided skyscraper. Fondant back scratching earthworm vacillating lavatory brush chewing articulated matchbox. Lascivious undulating warthog vomit carpet licking obstreperous edible door handle.

Holographic maple syrup dormitory fog lamp willow warbler vaccinated library book, luminous municipal dustcart idle chocolate vacuum cleaner deleterious unicorn. Fornicating handkerchief soufflé lambasted cheese and onion ice cream stapled wrought iron pillow. Monogrammed soup ladle hydrogen bomb jellyfish oscillating wagon lubricant washing horse.

At least my letter makes more sense than yours. Nah-nah.

Yours sincerely,

I'll tell you when I learn to spell my own name.”

SH

[Enforcer]

Re: spent2much UE diary

Love reading your comments. Makes my day.

[Spent2much]

Re: spent2much UE diary

Send one, put both names & all 4 account numbers on it.

HI Niddy, i'm a bit worried now because i sent 3 letters off to creditors and this one you mentioned about putting all 3 account numbers on and sending off in one letter is still going through the post office system, the reason i am worried is that fairfax are the tossers who played dirty last time when they secured a charge on our home by not acknowledging our cca request , they went straight for a forthwith and the charge, the other two letters which were posted on the same day have been delivered and signed for .
I find this very suspicious that fairfax haven't received this letter which i have proof of posting .
Any suggestions please as i don't want them getting more charges on the house .

[fluffystuff]

Re: spent2much UE diary

“Darling Moroncrap threat Dalek,

I am in receipt of your poorly written, embarrassing, utterly unintelligible puerile drivel, and the dead brain cells from reading it.

Earwig euphonium donkey droppings mangle eating elastic sided skyscraper. Fondant back scratching earthworm vacillating lavatory brush chewing articulated matchbox. Lascivious undulating warthog vomit carpet licking obstreperous edible door handle.

Holographic maple syrup dormitory fog lamp willow warbler vaccinated library book, luminous municipal dustcart idle chocolate vacuum cleaner deleterious unicorn. Fornicating handkerchief soufflé lambasted cheese and onion ice cream stapled wrought iron pillow. Monogrammed soup ladle hydrogen bomb jellyfish oscillating wagon lubricant washing horse.

At least my letter makes more sense than yours. Nah-nah.

Yours sincerely,

I'll tell you when I learn to spell my own name.”

SH

Classic! You do make me laugh SH!

[Still Waving]

Re: spent2much UE diary

HI Niddy, i'm a bit worried now because i sent 3 letters off to creditors and this one you mentioned about putting all 3 account numbers on and sending off in one letter is still going through the post office system, the reason i am worried is that fairfax are the tossers who played dirty last time when they secured a charge on our home by not acknowledging our cca request , they went straight for a forthwith and the charge, the other two letters which were posted on the same day have been delivered and signed for .
I find this very suspicious that fairfax haven't received this letter which i have proof of posting .
Any suggestions please as i don't want them getting more charges on the house .

If you mean that the post office website says that the letter is still going through the system, I have found that their website says that about a lot of my letters months after they were posted and - I know - received.

I was going to raise that as a discussion point on the forums, as it seems to me that paying the PO £1.55 per letter actually doesn't give you the service wanted, ie confirmation of delivery. I think the PO is falling down on this service and taking money for nowt in many cases.