spent2much UE diary

[Spent2much]

Re: spent2much UE diary

[QUOTE=Spent2much;589478]

Type of account (JJB sports mastercard)husband's

Date commenced (2004)

Approx balance (£580)(£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)

9/7/12 cca request sent

30/8/12 from iqor doorstep visit threat
03/09/12 sent doorstep threatogram letter to iqor
12/11/12 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.


6/12/12 WHD
we previously contacted regarding this debt and received no response.
We are therefore in the process of instructing our agents to visit you at your address to collect payment.
27/03/12 WMD
I am disappointed to note that we have still not heard from you regarding the payment of your debt
Your options

pay within 72 hours
telephone us to arrange a repayment plan

we are currently reviewing our options to take further action .

shall i ignore this ?

31/10/2013 WMD
we have been attempting to contact you for some time to discuss this debt but without success.

We consider all offers however low.

its really important you call us now as this debt may soon be passed on to another dca or solicitors. We are offering you this final opportunity to repay this debt in a way that is manageable for you.

8/11/2013 WMD
Despite our efforts to contact you and assist you in clearing the above debt , by means of repayment arrangement that is manageable to you, you have failed to contact us. We therefore have no alternative but to sell this account to a debt purchaser.

This transfer of account will take place shortly.

You have ten days from the date of this letter o contact us to take advantage of the of the options available to assist you in repaying this debt.

20/06/16 account sold to Lowell

7/7/2016 Lowell

Please contact us today to discuss your account
You will not be asked to pay more than you can afford
You can pay over the phone on xxxxxxxxxx

As the owner of your creation financial services limited , Lowell Portfolio 1 lmt wrote you you previously.
We are now contacting you to agree how you can repay your account .

lowell 22/7/16

We're yet to agree repayment for your former creation financial services limited account . We really want to work with you, but we can only help you if you get in touch .

Whatever your circumstances, we'll reach an outcome that's right for you

26/8/2016 cca request to lowell


8/8/2016 lowell Get in touch to discuss payment

24/9/2016 Lowell

An update on your request for documentation ..

Not had anything yet and the account remains on hold .

27/01/2017 West Midlands Debt Collections - Your account held with Creation finance has been passed to us for recovery.

Payment is now due in full and to prevent further action you must select one of the payment options .
.
7/2/2017 swid to west midlands debt collections .





8/2/2017 - Lowell - we have returned your account to creation financial services .


15/02/2017 Creation
Further to your recent contact with us , I am sorry to hear that you have been dissatisfied with the service provided.

A summary of the understanding of your complaint is below , please contact us if this is incorrect to enable us to deal with your complaint as swiftly as possible.

. unhappy with the outstanding balance on your account .

A thorough investigation into your concerns will be conducted and once this has been completed we will write to you again ..Enclosed is a copy of our complaints procedures for you information
, please take time to read this as it explains how we deal with you complaint and when we will contact you again .



Thank you for your recent correspondence and for taking the time to contact us.I am sorry you have cause to complain.

My understanding of your complaint is you are unhappy with the balance on your account and would like the outstanding debt of £657.69 removed.

Please let me know if I have missed anything .

I have looking into this by reviewing the notes and information available to me.

Please be advised that creditors are under no obligation to set up temporary arrangements or indeed freeze interest. However , at Creation , we recognise that customers may require our help and we try to support them .

Our records show that in March 2008 an agent made a call to advise you that that we needed to see a financial statement in order to set up a suitable arrangement for you. The agent was unable to speak to you. was charge off.

In April

On 12 May 2008, the Balance that was outstanding at the time (£754.84 ) was charged off.

In April 2013, our Specialist Department placed your account on hold for 180 days and then in May 2016, your account was sold to a company called Lowell.

Creation have contacted you on 23 January 2017 via letter. I have enclosed with this letter a Proof of Income form. Please complete and send back at your earliest convenience. Once this has been received the relevant department at Creation can look at your request regarding the remaining balance and the possibility of the debt being removed.

There is currently no arrangement in place which is why the documentation is important. If you can provide financial satement also.

In view of the above, I am unable to uphold your complaint due to the correct process being followed. I know this may not be the outcome you were hoping for, but I hope the above helps explain my decision .

I believe this decision is fair. However , if you have any new information , or would like to talk this through. please call me on 0800 and I would be happy to discuss this with you.

Ultimately, if you are not happy with my decision , you have the right to refer your complaint to the FOS but I hope that will not be necessary. If you decide to do this then you contact the Ombudsman within six months from the of this letter. If you do not refer your complaint in time , the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances . For example. if the Ombudsman believes that the delay was a result of exceptional circumstances .

Complaints can be referred to this service by letter, telephone or email.

I only asked for a CCA request and got this reply - I'm confused .

[Spent2much]

Re: spent2much UE diary

[QUOTE=Spent2much;206744]Type of account (JJB sports mastercard)husband's

Date commenced (2004)

Approx balance (£580)(£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)

9/7/12 cca request sent

30/8/12 from iqor doorstep visit threat
03/09/12 sent doorstep threatogram letter to iqor
12/11/12 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.


6/12/12 WHD
we previously contacted regarding this debt and received no response.
We are therefore in the process of instructing our agents to visit you at your address to collect payment.
27/03/12 WMD
I am disappointed to note that we have still not heard from you regarding the payment of your debt
Your options

pay within 72 hours
telephone us to arrange a repayment plan

we are currently reviewing our options to take further action .

shall i ignore this ?

31/10/2013 WMD
we have been attempting to contact you for some time to discuss this debt but without success.

We consider all offers however low.

its really important you call us now as this debt may soon be passed on to another dca or solicitors. We are offering you this final opportunity to repay this debt in a way that is manageable for you.

8/11/2013 WMD
Despite our efforts to contact you and assist you in clearing the above debt , by means of repayment arrangement that is manageable to you, you have failed to contact us. We therefore have no alternative but to sell this account to a debt purchaser.

This transfer of account will take place shortly.

You have ten days from the date of this letter o contact us to take advantage of the of the options available to assist you in repaying this debt.

20/06/16 account sold to Lowell

7/7/2016 Lowell

Please contact us today to discuss your account
You will not be asked to pay more than you can afford
You can pay over the phone on xxxxxxxxxx

As the owner of your creation financial services limited , Lowell Portfolio 1 lmt wrote you you previously.
We are now contacting you to agree how you can repay your account .

lowell 22/7/16

We're yet to agree repayment for your former creation financial services limited account . We really want to work with you, but we can only help you if you get in touch .

Whatever your circumstances, we'll reach an outcome that's right for you

26/8/2016 cca request to lowell


8/8/2016 lowell Get in touch to discuss payment

24/9/2016 Lowell

An update on your request for documentation ..

Not had anything yet and the account remains on hold .

27/01/2017 West Midlands Debt Collections - Your account held with Creation finance has been passed to us for recovery.

Payment is now due in full and to prevent further action you must select one of the payment options .
.
7/2/2017 swid to west midlands debt collections .





8/2/2017 - Lowell - we have returned your account to creation financial services .


15/02/2017 Creation
Further to your recent contact with us , I am sorry to hear that you have been dissatisfied with the service provided.

A summary of the understanding of your complaint is below , please contact us if this is incorrect to enable us to deal with your complaint as swiftly as possible.

. unhappy with the outstanding balance on your account .

A thorough investigation into your concerns will be conducted and once this has been completed we will write to you again ..Enclosed is a copy of our complaints procedures for you information
, please take time to read this as it explains how we deal with you complaint and when we will contact you again .



Thank you for your recent correspondence and for taking the time to contact us.I am sorry you have cause to complain.

My understanding of your complaint is you are unhappy with the balance on your account and would like the outstanding debt of £657.69 removed.

Please let me know if I have missed anything .

I have looking into this by reviewing the notes and information available to me.

Please be advised that creditors are under no obligation to set up temporary arrangements or indeed freeze interest. However , at Creation , we recognise that customers may require our help and we try to support them .

Our records show that in March 2008 an agent made a call to advise you that that we needed to see a financial statement in order to set up a suitable arrangement for you. The agent was unable to speak to you. was charge off.

In April

On 12 May 2008, the Balance that was outstanding at the time (£754.84 ) was charged off.

In April 2013, our Specialist Department placed your account on hold for 180 days and then in May 2016, your account was sold to a company called Lowell.

Creation have contacted you on 23 January 2017 via letter. I have enclosed with this letter a Proof of Income form. Please complete and send back at your earliest convenience. Once this has been received the relevant department at Creation can look at your request regarding the remaining balance and the possibility of the debt being removed.

There is currently no arrangement in place which is why the documentation is important. If you can provide financial satement also.

In view of the above, I am unable to uphold your complaint due to the correct process being followed. I know this may not be the outcome you were hoping for, but I hope the above helps explain my decision .

I believe this decision is fair. However , if you have any new information , or would like to talk this through. please call me on 0800 and I would be happy to discuss this with you.

Ultimately, if you are not happy with my decision , you have the right to refer your complaint to the FOS but I hope that will not be necessary. If you decide to do this then you contact the Ombudsman within six months from the of this letter. If you do not refer your complaint in time , the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances . For example. if the Ombudsman believes that the delay was a result of exceptional circumstances .

Complaints can be referred to this service by letter, telephone or email.

[Spent2much]

Re: spent2much UE diary

I can't help laughing at that part, as if they're doing you a favour. Let them pass it to a dca.

I know made me laugh lol - yeah I will let them pass it on again and again :

[Pixie]

Re: spent2much UE diary

received-this-today

21/02/2017 - creation

We have been trying to contact you for some time to discuss this debt but without success .

We can help you pay this debt off blah blah blah

It's really important that you call us now as this debt may be passed to a solicitor or debt collection agency. WE are offering you one final opportunity to repay.

I can't help laughing at that part, as if they're doing you a favour. Let them pass it to a dca.

[Spent2much]

Re: spent2much UE diary

They've missed an option: don't fill in the I&E form and pay nothing

received-this-today

21/02/2017 - creation

We have been trying to contact you for some time to discuss this debt but without success .

We can help you pay this debt off blah blah blah

It's really important that you call us now as this debt may be passed to a solicitor or debt collection agency. WE are offering you one final opportunity to repay.

[Pixie]

Re: spent2much UE diary

They've missed an option: don't fill in the I&E form and pay nothing

[Spent2much]

Re: spent2much UE diary

More for the filing drawer

yup-:

[Susie]

Re: spent2much UE diary

More for the filing drawer

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft)joint

Date commenced (2003)

Approx balance (£935)

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 passed to BLS 3/8/12

26/10/12 repayment plan arrears



14/11/12 payment reminder BLS


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


24/12/12 from Halifax
Account passed to drysdenfairax solicitors



31/12/12 drysdensfairfax solicitors ( both of us received a letter from these as it is a joint account )
threatening charging orders and court action .

31/12/12 sent sold while in dispute letter,
not showing as received on royal mail website.

17/01/13 from Drysdenfairfax
17/01/13 from drysdenfairfax
failure to pay , avoid further action you must pay the debt.




20/1/13
sent sold while in dispute letter


26/01/13 from drysdenfairfax solicitors


I acknowledge receipt of your letter dated 19 January 2013, together with the enclosures, and i note all your comments.

I have reviewed your file and , unfortunately, i can find no record of us receiving your earleir letter of 31 December 2012. We were, therefore, unaware that this was in dispute. As a firm of solicitors, please be assured that we are well aware of our responsibilities with regard to the Office of Fair trading Debt Collection Guidance.

As a result of your letter, we have contacted our client to clarify the current position and seek their further instructions. We will write to you , further, once they have responded. I confirm that, in the meantime, the matter is on hold.

I trust this resolves any immediate concers, but if you do have any further queries, please let me know.





06/04/13 from Halifax
account passed to Capquest

10/04/13 from capquest

This correspondence is to inform you that your Halifax current account has been referred to capquest to manage your account in all matters relating to collection , which may include
- Personal cisits 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 negotators are here to assit you in finding a plan that will your indebtedness, without the need for further action.

If you are not in a position to settle this account in full, you will need to contact us to discuss a suitable solution to this matter. Contact must be made by 15 Apr 13, by calling us on 0844********

No contact will mean further action.

How to pay: Please see reverse of this letter.

sold while in dispute letter ?
12/04/2013 sent sold while in dispute letter

24/04/13 capquest
NOTICE OF DOORSTEP AGENT VISIT.
Please be advised that we are now in the process of making arrangements for our doorspet recovery agents ScotCall Limited, to visit you due to your failure to make a repayment arrangement.

If a response is not received by 30 Apr 13, we may choose to dispatch an agent and they will call at the address above between the hours of
8.00am-8.30pm Mon-Fri
9.00am-4.30pm Saturday
The doostep agent is instructed to collect the full amount due or to compile a report as to your financial position to assist in any possible further action. All agents carry identifification and receipts for payment will be issued on request.
To avoid a visit from this specialised doorstep collection agency, you must contact us by 30Apr 13.
If you contact us before this date, we can offer you a settlement figure on your outstanding balance.
Alternatively , we will be open to suggestions from you on how your account can be settled by way of instalments suitable to your present financial circumstances.We will not be demanding payment in full and will work with you to come to a final solution to this problem without the need for employing services of doorstep recovery agents.
Should an agreement be reached to settle your outstanding account with a reduced payment and once the payment has been received and cleared, your account will be closed and your credit file updated showing that the balance has been satisfied with a special flag of parital settlement.
You will find how you can pay and other relevant details that may assit you on the reverse of this letter.
we trust that you will take this opportunity to contact us and get this matter settled without the need for visits by the doorstep collectors.



03/05/13 from capquest
We thank you for your correspondence and respond as follows

Please either provide details of any dispute in respect of the outstanding balance on this account , enclosing supporting documentation if available or contact us to arrange payment of this account.
14/05/13 capquest

Thank you for youre recent communication.

We regret that you have been disatisfied with our service and we will be conducting a thorough investigation into the issues you have raised . Once we have completed this, we will write to you again with the outcome of our investigations.

A copy of our internal Complaints Procedure is enclosed. Please take the time to read this as it explaines how we will deal with your complaint and the timescales within which we will do so.
24/05/2013 capquest
We write in response to your letter dated 12April13

Winthin your complaint you state the account has been in dispute with the original creditor due to your request for the agreement made under the CCA not being acknowleded.
We were instructed by Halifax on 29 March 2013 to contact you regarding an outstanding balance of £935.06. We were not made aware of any dispute or issue with your account and were acting in good faith based on the information supplied to us.

Based on your comments we contacted halifax who has confirmed the following .

*This debt relates to a current account , not covered by the CCA so the enclosed is not relevant, continue to pursue*

In light of the above you may wish to contact halifax directly as we are unable to comment on their response or any actions taken prior to our involvement.

The account shall remain on hold for 30 days to allow you time to contact halifax. Upon this time the account shall be returned to the relevant department and contact shall be reattempted.

We offer our apologies for any inconvenience caused and should you wish to discuss this matter further please contact us .

8/10/2013-Halifax
As we haven't been able to agree a suitable repayment plan we've transferred your Halifax Bank Account to a debt collection agency. Westcot Credit Services ltd. We've instructed Westcot to arrange collection of the outstanding amount.

Please contact Westcot as soon as possible to arrange to pay back the outstanding balance.
14/10/2013 from westcot

westcot credit services 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 WESTCTO TAKING FURTHER ACTION YOU MUST

PAY THE FULL BALANCE TO WESTCOT



15/10/2013 sent SWID to westcot.



31/10/2013 (sorry this is in blue i tried changing it to red but it won't have it )
from wescot

with reference to your recent comminication regarding the above account, we can confirm this account related to a halifax current account, therefore your account is not covered by the CCA 1974

In viw of the above we look forward to receiving payment in the 14 days




16/11/2013 westcot, (still won't allow me to change to red)

With reference to your recent communication regarding the above account, we can confirm this relate to a Halifax Current account, therefore not covered by CCA 1974

In view of this we look forward to receiving payment within the next 14 days.



11/7/2016 Cabot

we are part of cabot credit management which has recently bought the account you held with Halifax. We are now responsible for helping you manage your account and receiving future payments .

we wan the repayment process to be as easy as possible for you Our commitment to help you is that we will make sure that the repayment plan is affordable , and we do this by

working closely with you to fully understand your current situation.
creating tailored solutions to suit you based on what you can afford .

21/7/2016 Cabot
we really want to help you. your balance of ****is still outstanding.
we understand you may not be able to pay - if you think this is the case we can help .

30/08/2016 Cabot - We have previously explained that there are several options available and we want to help you find the most suitable solution.

We need to hear from you so that we can help you take positive steps towards agreeing an affordable repayment plan on this account and becoming free of this debt. If Yo're having difficulties in being able t pay then it is important you tell us.

Your account may be reported on your credit file and may affect your ability to obtain credit now and in the future. When you start making payments on your account you will begin to reduce the balance shown on your credit report .

3 simple steps .
Gather details of your income and expenditure call us on 1111111111

Work with us to agree an affordable repayment plan

If we do not hear from you will continue to contact you to help you resolve your outstanding balance.

21/10/2016 - Cabot We haven't heard from you
The balance is due and we have advised you of several options that available .
If we don't hear from you we will continue to contact you, so that can try and help you take steps towards being free of this debt .

18/02/2017 Cabot
You need to contact us about your balance with us, as it has been a while since we last heard from you .It is important that you speak t0 us about this account, even if you think you can't afford to repay it.

We are completely flexible around your budget . Simply fill out the enclosed budget form ad it will help you work out how much money you could spare per month on repaying your account . Return this to us, and we then can advise you on which option below might b be best for you .

options

pay in full
monthly repayments
discount

update

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft)joint

Date commenced (2003)

Approx balance (£935)

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 passed to BLS 3/8/12

26/10/12 repayment plan arrears



14/11/12 payment reminder BLS


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


24/12/12 from Halifax
Account passed to drysdenfairax solicitors



31/12/12 drysdensfairfax solicitors ( both of us received a letter from these as it is a joint account )
threatening charging orders and court action .

31/12/12 sent sold while in dispute letter,
not showing as received on royal mail website.

17/01/13 from Drysdenfairfax
17/01/13 from drysdenfairfax
failure to pay , avoid further action you must pay the debt.




20/1/13
sent sold while in dispute letter


26/01/13 from drysdenfairfax solicitors


I acknowledge receipt of your letter dated 19 January 2013, together with the enclosures, and i note all your comments.

I have reviewed your file and , unfortunately, i can find no record of us receiving your earleir letter of 31 December 2012. We were, therefore, unaware that this was in dispute. As a firm of solicitors, please be assured that we are well aware of our responsibilities with regard to the Office of Fair trading Debt Collection Guidance.

As a result of your letter, we have contacted our client to clarify the current position and seek their further instructions. We will write to you , further, once they have responded. I confirm that, in the meantime, the matter is on hold.

I trust this resolves any immediate concers, but if you do have any further queries, please let me know.





06/04/13 from Halifax
account passed to Capquest

10/04/13 from capquest

This correspondence is to inform you that your Halifax current account has been referred to capquest to manage your account in all matters relating to collection , which may include
- Personal cisits 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 negotators are here to assit you in finding a plan that will your indebtedness, without the need for further action.

If you are not in a position to settle this account in full, you will need to contact us to discuss a suitable solution to this matter. Contact must be made by 15 Apr 13, by calling us on 0844********

No contact will mean further action.

How to pay: Please see reverse of this letter.

sold while in dispute letter ?
12/04/2013 sent sold while in dispute letter

24/04/13 capquest
NOTICE OF DOORSTEP AGENT VISIT.
Please be advised that we are now in the process of making arrangements for our doorspet recovery agents ScotCall Limited, to visit you due to your failure to make a repayment arrangement.

If a response is not received by 30 Apr 13, we may choose to dispatch an agent and they will call at the address above between the hours of
8.00am-8.30pm Mon-Fri
9.00am-4.30pm Saturday
The doostep agent is instructed to collect the full amount due or to compile a report as to your financial position to assist in any possible further action. All agents carry identifification and receipts for payment will be issued on request.
To avoid a visit from this specialised doorstep collection agency, you must contact us by 30Apr 13.
If you contact us before this date, we can offer you a settlement figure on your outstanding balance.
Alternatively , we will be open to suggestions from you on how your account can be settled by way of instalments suitable to your present financial circumstances.We will not be demanding payment in full and will work with you to come to a final solution to this problem without the need for employing services of doorstep recovery agents.
Should an agreement be reached to settle your outstanding account with a reduced payment and once the payment has been received and cleared, your account will be closed and your credit file updated showing that the balance has been satisfied with a special flag of parital settlement.
You will find how you can pay and other relevant details that may assit you on the reverse of this letter.
we trust that you will take this opportunity to contact us and get this matter settled without the need for visits by the doorstep collectors.



03/05/13 from capquest
We thank you for your correspondence and respond as follows

Please either provide details of any dispute in respect of the outstanding balance on this account , enclosing supporting documentation if available or contact us to arrange payment of this account.
14/05/13 capquest

Thank you for youre recent communication.

We regret that you have been disatisfied with our service and we will be conducting a thorough investigation into the issues you have raised . Once we have completed this, we will write to you again with the outcome of our investigations.

A copy of our internal Complaints Procedure is enclosed. Please take the time to read this as it explaines how we will deal with your complaint and the timescales within which we will do so.
24/05/2013 capquest
We write in response to your letter dated 12April13

Winthin your complaint you state the account has been in dispute with the original creditor due to your request for the agreement made under the CCA not being acknowleded.
We were instructed by Halifax on 29 March 2013 to contact you regarding an outstanding balance of £935.06. We were not made aware of any dispute or issue with your account and were acting in good faith based on the information supplied to us.

Based on your comments we contacted halifax who has confirmed the following .

*This debt relates to a current account , not covered by the CCA so the enclosed is not relevant, continue to pursue*

In light of the above you may wish to contact halifax directly as we are unable to comment on their response or any actions taken prior to our involvement.

The account shall remain on hold for 30 days to allow you time to contact halifax. Upon this time the account shall be returned to the relevant department and contact shall be reattempted.

We offer our apologies for any inconvenience caused and should you wish to discuss this matter further please contact us .

8/10/2013-Halifax
As we haven't been able to agree a suitable repayment plan we've transferred your Halifax Bank Account to a debt collection agency. Westcot Credit Services ltd. We've instructed Westcot to arrange collection of the outstanding amount.

Please contact Westcot as soon as possible to arrange to pay back the outstanding balance.
14/10/2013 from westcot

westcot credit services 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 WESTCTO TAKING FURTHER ACTION YOU MUST

PAY THE FULL BALANCE TO WESTCOT



15/10/2013 sent SWID to westcot.



31/10/2013 (sorry this is in blue i tried changing it to red but it won't have it )
from wescot

with reference to your recent comminication regarding the above account, we can confirm this account related to a halifax current account, therefore your account is not covered by the CCA 1974

In viw of the above we look forward to receiving payment in the 14 days




16/11/2013 westcot, (still won't allow me to change to red)

With reference to your recent communication regarding the above account, we can confirm this relate to a Halifax Current account, therefore not covered by CCA 1974

In view of this we look forward to receiving payment within the next 14 days.



11/7/2016 Cabot

we are part of cabot credit management which has recently bought the account you held with Halifax. We are now responsible for helping you manage your account and receiving future payments .

we wan the repayment process to be as easy as possible for you Our commitment to help you is that we will make sure that the repayment plan is affordable , and we do this by

working closely with you to fully understand your current situation.
creating tailored solutions to suit you based on what you can afford .

21/7/2016 Cabot
we really want to help you. your balance of ****is still outstanding.
we understand you may not be able to pay - if you think this is the case we can help .

30/08/2016 Cabot - We have previously explained that there are several options available and we want to help you find the most suitable solution.

We need to hear from you so that we can help you take positive steps towards agreeing an affordable repayment plan on this account and becoming free of this debt. If Yo're having difficulties in being able t pay then it is important you tell us.

Your account may be reported on your credit file and may affect your ability to obtain credit now and in the future. When you start making payments on your account you will begin to reduce the balance shown on your credit report .

3 simple steps .
Gather details of your income and expenditure call us on 1111111111

Work with us to agree an affordable repayment plan

If we do not hear from you will continue to contact you to help you resolve your outstanding balance.

21/10/2016 - Cabot We haven't heard from you
The balance is due and we have advised you of several options that available .
If we don't hear from you we will continue to contact you, so that can try and help you take steps towards being free of this debt .

18/02/2017 Cabot
You need to contact us about your balance with us, as it has been a while since we last heard from you .It is important that you speak t0 us about this account, even if you think you can't afford to repay it.

We are completely flexible around your budget . Simply fill out the enclosed budget form ad it will help you work out how much money you could spare per month on repaying your account . Return this to us, and we then can advise you on which option below might b be best for you .

options

pay in full
monthly repayments
discount

update

[Spent2much]

Re: spent2much UE diary

Thanks Pixie x

[Pixie]

Re: spent2much UE diary

Yes I would ignore it. Wait and see what they send next.

[Spent2much]

Re: spent2much UE diary

Type of account (JJB sports mastercard)husband's

Date commenced (2004)

Approx balance (£580)(£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)

9/7/12 cca request sent

30/8/12 from iqor doorstep visit threat
03/09/12 sent doorstep threatogram letter to iqor
12/11/12 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.


6/12/12 WHD
we previously contacted regarding this debt and received no response.
We are therefore in the process of instructing our agents to visit you at your address to collect payment.
27/03/12 WMD
I am disappointed to note that we have still not heard from you regarding the payment of your debt
Your options

pay within 72 hours
telephone us to arrange a repayment plan

we are currently reviewing our options to take further action .

shall i ignore this ?

31/10/2013 WMD
we have been attempting to contact you for some time to discuss this debt but without success.

We consider all offers however low.

its really important you call us now as this debt may soon be passed on to another dca or solicitors. We are offering you this final opportunity to repay this debt in a way that is manageable for you.

8/11/2013 WMD
Despite our efforts to contact you and assist you in clearing the above debt , by means of repayment arrangement that is manageable to you, you have failed to contact us. We therefore have no alternative but to sell this account to a debt purchaser.

This transfer of account will take place shortly.

You have ten days from the date of this letter o contact us to take advantage of the of the options available to assist you in repaying this debt.

20/06/16 account sold to Lowell

7/7/2016 Lowell

Please contact us today to discuss your account
You will not be asked to pay more than you can afford
You can pay over the phone on xxxxxxxxxx

As the owner of your creation financial services limited , Lowell Portfolio 1 lmt wrote you you previously.
We are now contacting you to agree how you can repay your account .

lowell 22/7/16

We're yet to agree repayment for your former creation financial services limited account . We really want to work with you, but we can only help you if you get in touch .

Whatever your circumstances, we'll reach an outcome that's right for you

26/8/2016 cca request to lowell


8/8/2016 lowell Get in touch to discuss payment

24/9/2016 Lowell

An update on your request for documentation ..

Not had anything yet and the account remains on hold .

27/01/2017 West Midlands Debt Collections - Your account held with Creation finance has been passed to us for recovery.

Payment is now due in full and to prevent further action you must select one of the payment options .
.
7/2/2017 swid to west midlands debt collections .





8/2/2017 - Lowell - we have returned your account to creation financial services .


15/02/2017 Creation
Further to your recent contact with us , I am sorry to hear that you have been dissatisfied with the service provided.

A summary of the understanding of your complaint is below , please contact us if this is incorrect to enable us to deal with your complaint as swiftly as possible.

. unhappy with the outstanding balance on your account .

A thorough investigation into your concerns will be conducted and once this has been completed we will write to you again ..Enclosed is a copy of our complaints procedures for you information
, please take time to read this as it explains how we deal with you complaint and when we will contact you again .

Update shall ignore for now see what they send next ?

[The Tech Clerk]

Re: spent2much UE diary

Many a true word spoken in Jest! oopppsssssssss

[Spent2much]

Re: spent2much UE diary

I like it when they return an account to the OC. It means you're too much hassle for them to deal with

They are right too I'm a pain the bum most the time : :