spent2much UE diary

[nightwatch]

Re: spent2much UE diary

chillax with a wine xx

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft)husband's

Date commenced (2003)

Approx balance (£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 (HBOS) think it was originally with Loydstsb

9/7/12 cca request sent

28/9/12 account passed to BLS 3/8/12

28/9/12 repayment plan arrears

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


24/12/12 from Halifax account passed to drysdenfairfax




31/12/12 drysdensfairfax solicitors
threat of action if fail to pay.


28/01/13 from drysdenfairfax

Thank you for your letter dated 31st December 2012 and I not all your comments.

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


09/03/12 from Halifax account passed to Robinson way


I now wait to hear from Robinson way and then send an account sold while in dispute reply


13/03/2013 from robbers way

Our client has authorised us to recover the full amount you owem shown above.

If you do not pay or agree a payment plan with us, we may advise our cleint to start court action ,

THREATS OF WHAT COURT MIGHT DO OUR CREDIT RATING BLAH LBAH BLAH.



12/03/2013 from Robinson Way
12/03/12 from Robinson way

IMMEDIATE ACTION REQUIRED


25/03/13 account sold in dispute sent to Robinson way

04/04/13 from Robinson way

Thank you for your recent contact. Our client has advised us that your issue has been resolved and you remain fully liable for the balance outstanding.

In the absence of any alternative dispute, we are unable to defer payment on this account and we now require your proposals for payment within the next 14 days .

After this time collection activity will resume.



ignore ?

8/4/13 from robinson way

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.

In the meantime we will stop all collection activity for this account.

15/04/13 from Robinson way.
Thank you for your recent contact. Our client has advised us that your issue has been resolved and you remain fully liable for the blalance outstanding .

In the absence of any alternative dispute, we are unable to defer payment on this account and we now requre your poropsals for payment within the next 14 days .
Ater this time collection activity will resume.

update

[Pixie]

Re: spent2much UE diary

I would send RobWay the second OD letter...even if you've already sent it

[Spent2much]

Re: spent2much UE diary

Type of account (simplybe )mine

Date commenced (2003)

Approx balance (£1,124)

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 (simply be) now with jd williams
9/7/12 cca request sent
27/7/12 from simplybe an application form , sent to niddy and niddy says

27/7/12 sent missing PT's
30/8/12 reminder for payment

6/9/12 serious arrears letter

11/9/12 letter they cannot enforce payment but threaten to commence collection again.

receiving statements every month otherwise nothing to report .

18/04/13 from simply be
monthly statement and a reminder i haven't paid , also if i don't bring the account up to date they may take further action and additional charges added .

update i ignore this ?

[ScabHunter]

Re: spent2much UE diary

update i ignore this ?

I would.

If they've sent you a letter admitting they cannot enforce then they have pretty much committed suicide as far as this one goes.

SH

[SA Gold]

Re: spent2much UE diary

If they've sent you a letter admitting they cannot enforce then they have pretty much committed suicide as far as this one goes.

SH

[Spent2much]

Re: spent2much UE diary

Type of account (catalogue very.co.uk)mine

Date commenced (2004) maybe before

Approx balance.( £1,217

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status (cca being sent )

Account owner (very.co.uk) now with cabot financial


9/7/12 cca request sent
12/7/12 from Cabot do not have this inormation on file requesting from original lender.
20/9/12 from Cabot still looking for agreement and until they do this account is UE


19/04/13 Cabot

Your request for information under the consumer credit act.

Unfortunately Cabot has not been able to provide you with the requested information within the relevant time period.

What happens next?

We shall continue to request the information from the original lender to assist you with your request. In the meantime, we would like inform you that your account shall remain on hold with the customer assurance department until such time we can comply with your request.

Your account

Please not , you are still obliged to repay the outstanding balance as confirmed in this letter and therefore we would recommend you contact us as soon as possible to set a repayment arrangement or continue with your existing plan.

25/04/13 doorstep visit template sent

update

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)mine

Date commenced (2003)maybe even before cannot remmeber

Approx balance (£8,530)

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 (Lloydstsb)
9/7/12 cca request
16/8/12 received postal order back , letter saying they don't deal with this product, They think it is a loan not a credit card.
28/8/12 sent back saying this was a payment for a cca request only
13/9/12 received statement and all information about allocation of payment
18/9/12 threat of action payment arrears
20/9/12 new condtions added to agreement.
24/9/12 cca reminder sent
1/10/12 po sent back same thing cannot pay into loan account , they request another po. Niddy says send it againwith the normal cca request.
4/10/12 cca sent by them sent to niddy

15/10/12 sent missing pt's
9/11/12 account sold to Cabot

29/12/12 from Cabot

Your account is overdue

You agreed to make monthly repayments to Cabot via a Debt councellor (no i did not ), but according to our records, these payments have now stopped.

We appreciate that your circumstances may have changed.

What should you do next ?

If you would still like your debt counsellor to act on your behalf, please contact them immediately so that they can inform Cabot of your circumstances.

If we don't hear from you or your Debt Counsellor ?

If you or your Debt counsellor do not contact us within the next 14 days, to make a suitable new payment arrangement , this may result in your account being returns to our Collections department.

16/01/13
RE Lloydstsb card

Thank you for your letter received ,I regret you have felt cause to contact CF(europe) and apologise for any inconvenience that you have experienced in relation to this matter.

OUR UNDERSTANDING OF YOUR COMPLAINT
You state that we are harassing you thus breaching legislation and regulatory guidance as Lloyds TSB remain in default of your request for information under section 77/78 of the consumer credit act 1974 (CCA)

OUR INVESTIGATION
Upon review of our records i can confirm we recently purchased this account from Lloystsb on 2nd Oct 12 and were not made aware of any outstanding request for information. Therefore we attempted to contact you accordingly. I note we have sent two letters regarding the repayment of your account however I must advise you that the failure to provide a copy of your agreement in time does not affect the legality of your debt with Cabot but merely renders the credit agreement unenforceable until such time as the agreement can be produced. It has been well established in English law, that 'enforcement' constitutes obtaining judgment at Court. The reporting of a default entry to the Credit reference agencies or cabot requesting repayment of your account does not amount to enforcement.

CONCLUSION
In light of the above it is clear Cabot have not knowingly breached any legislation or regulatory guidance and therefore I refute your comments of harassment. Notwithstanding , we have requested information from LloydsTSB and anticipate that we will be able to provide this information within 40 days. In the event we are unlikely to obtain this information within this time frame, we will write to you accordingly.

In the meantime we recommend that you arrange to make payments towards the outstanding balance on this account and upon receipt of the relevant documentation we will supply you with the same.

also enclosed is a complaints procedure for FOS .

19/04/13 Cabot

Your request for information under the consumer credit act.

Unfortunately Cabot has not been able to provide you with the requested information within the relevant time period.

What happens next?

We shall continue to request the information from the original lender to assist you with your request. In the meantime, we would like inform you that your account shall remain on hold with the customer assurance department until such time we can comply with your request.

Your account

Please not , you are still obliged to repay the outstanding balance as confirmed in this letter and therefore we would recommend you contact us as soon as possible to set a repayment arrangement or continue with your existing plan.

update

[Never-In-Doubt]

Re: spent2much UE diary

update

Excellent so sit tight and await a response - right now it's

[Never-In-Doubt]

Re: spent2much UE diary

update

Exactly the same as above - sit tight and await their next response....

[Spent2much]

Re: spent2much UE diary

Type of account (kays)
mine
Date commenced (2003)

Approx balance (£1,905)

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 (kays) now Littlewoods)

9/7/2012 cca request sent

18/07/2012
recieved a cca back today , do i send the letter and the cca to niddy to look at ?




13/08/2012 sent missing PT's


24/9/2012 received a letter with a new condition to the agreement

26/10/2012 statement , payment not received
24/11/2012 statement, payment not received


22/12/12 NDR
22/12/12 NDR
monthly statement with £12 late fee added.

Notice of Default Sums under the Consumer Credit Act 1974

Please not that a default charge will now be added to your account ,as you have breached the terms of the agreement.
If you have not already done so , please rectify the position straight away to avoid any further charges and default communications. If you are having difficulty making payments or keeping to the terms of the agreement we would like to hear from you , so please call us now



31/12/12 sent missing PT's reminder
4/01/13
received from ndr

NOTIFICATION OF INSTRUCTION TO PROCEED
We have been instructed by our client:
shop direct to act on their behalf in securing repayment for the sum of £1965.20 in respect of purchases made from K&Co.

Accordingly, we give notice that unless this account is paid-or a satisfactory repayment arrangement is made within 7 days, our client will be taking the following action:

Register a Default at the credit reference bureau which will remain on your credit file for 6 years and may affect your ability to gain further credit in the future.

If you can pay your arrears in full within the next 7 days then we will review all default charges and additional interest applied to your account.

If you wish to make an offer of repayment you should do so within seven days by contacting us on 0844 822 40952
__________________________________________________
NDR have been phoning me until 9 at night and from 8 in the morning .
17/01/13 from NDR
PRE-ESCALATION NOTICE
I have attempted to contact you on numerous occasions regarding the overdue payment on your account. As a result we have applied a £12 administration fee on your account.
As this payment is now seriously overdue, it is essential that you make a payment to prevent any further action being taken on your account.

21/01/13 from NDR
default notice(reason late payment) also £12 admin charge for late payment.
23/01/13 kay&co/shop direct finance company ltd
Re: Credit Agreement Request
We write further to your letter dated 28/12/2012.
We confirm that your debt still remains outstanding.
You have advised us that your credit agreement is unenforceable, but unenforeceability does not mean that the rights of a party under a credit agreement were never acquired or are extinguished. This approach has been adopted by the courts as as such means that we will still continue to request payments from you .It is clear, that by ordering and purchasing goods from us, you acknowledge that there is an existing relationship in place.In the event that you did not believe there was a relationship it is unlikely you would have bought and continued to buy goods from us.
Therefore, as the debt remains unsatisfied, we will continue to request payments from you and notify the credit reference agencies about the status of your debt from time to time.
The information held at the credit reference agencies will remain on your file for 6 years , blah blah blah.

also from kay&co IMPORTANT YOU SHOULD READ THIS CAREFULLY



Default Notice served under section 87(1) CCA 1974
We refer to the above agreement which you have entered into with us.
The payment clause of the agreement provides that you must make the full required periodic payment in full by its due date. You are in breach of that clause because you have failed to make all your periodic payments in full when due, and arrears amounting to £1955.20 are outstanding.
To remedy this breach you must pay us the total arrears of £1965.20 before 31-Jan_2013
IF THE ACTION REQUIRED BY THIS NOTICE IS TAKEN BEFORE THE DATE SHOWN NO FURTHER ENFORCEMENT ACTION WILL BE TAKEN IN RESPECT OF THE BREACH.
Further action :
On the date shown, we shall requre payment of the outstanding balance on the account, less any regate allowable, as set below.




23/04/13
Kendo.com

Default Notice
Served under section 87(1) of consumer act 1974

We refer to the above agreement which you have entered into with us. The Payment Clause of the agreement provideds that you must make the required periodic payment in full by its due date. You are in breach of that cluase because you have failed to make all your periodic payments in full when due, and arrears amounting to £1989 are outstanding.

To remedy the breach you must pay us the total arrears of £1989 before 01-May-2013.

IF THE ACTION REQUIRED BY THIS NOTICE IS TAKEN BEFORE THE DATE SHOWN NO FURTHER ENFORCEMENT ACTION WILL BE TAKEN IN RESPECT OF THE BREACH.

IF YOU DO NOT TAKE THE ACTION REQUIRED BEFORE THE DATE SHOWN THEN THE FURTHER ACTION SET OUT BELOW MAY BE TAKEN AGAINST YOU.

further action:

On the date shown, we shall require payment of the outstanding balance on the account , less any rebate allowable as set out below.

Amount of outsanding balance £1989
les rebate £0.00
total amount to be paid £1989

IF YOU HAVE DIFFICULTY IN PAYING ANY SUM OWING UNDER THE AGREEMENT OR TAKING ANY FURTHER ACTION REQUIREDBY THIS NOTICE, YOU CAN APPLY TO THE COURT WHICH MAY MAKE AN ORDER ALLWING YOU OR ANY SURETY MORE TIME.

iF YOU ARE NOT SURE WHAT TO DO,YOU SHOULD GET HELP AS SOON AS POSSIBLE.FOR EXAMPLE YOU SHOULD CONTACT A SOLICITOR, YOUR LOCAL TRADING STARNDARS OR YOUR NEAREST CAB.

The notice should include a copy of the current oft .

update,

[vint1954]

Re: spent2much UE diary

If the £1989 is the full balance and not just arrears, then they have cocked it up. Don't tell them.

[Still Waving]

Re: spent2much UE diary

If the £1989 is the full balance and not just arrears, then they have cocked it up. Don't tell them.

Disregarding the 20p, could it be Feb & March two admin charges of £12?

[Spent2much]

Re: spent2much UE diary

If the £1989 is the full balance and not just arrears, then they have cocked it up. Don't tell them.

£1989.20 is balance and i think it includes arrears, i only paid about £2.30 a month on this account when it was in the dmp with payplan .

Do i ignore this ?

[ScabHunter]

Re: spent2much UE diary

Yes, you should definitely ignore this. Give them a chance to terminate on the back of a defective default notice, as this will give you another line of defence in addition to the unenforceability which already exists.

I can't quite work out what is going on, though. It looks from what you've quoted above as though they have issued a default notice before, and not acted on it. The current one also gives a date of 1st May, which is far too soon to comply with the law. This one appears to be from 'Kendo.com', while the previous one was from 'Kay&Co'.

I don't think they've got a clue what they are doing. Whatever it is, I would just let them get on with it.

SH