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Re: spent2much UE diary
update
Originally posted by Spent2much
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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 sent
1/9/12 account passed to Fredrickson
21/9/12 Fredrickson demanding payment
24/9/12 sent account sold while in dispute letter to Fredrickson and also to Cap One
6/10/12 from Fredrickson account on hold while they refer back to Cap One
10/10/12 Fredrickson ,.their client has complied with the cca request 16th July 2012
(we have not received a thing)
12/10/12 threat of court action
15/10/12 sent letter before action.
22/10/12 Fredrickson threat before action postcard
24/10/12 Fredrickson ,they have referred the account back to Cap One ,no longer instructed to deal with it.
11/01/13
from cap one letter scanned
24/01/13 sent a one liner asking Cap One to re-send the two letters they said they sent in July and Oct 2012
08/02/13 from Cap One
Thank you for your recent letter.
I would like to be able to help you with your query, but unfortunatley you did not sign letter.
To enable me to answer your query, please write to us at the address belwo including an example of your signature and your 16 digit account number as a reference:
Alternatively, you can call one of our specialist account managers who will go throught a security check with you and answer your query immediatley.
I'm sorry for the inconveience this may cause you. I realise how frustrating it is to have to to the trouble of contacting us again. However, we need to do this to protect the security of your account and personal detals.
02/03/2013 from Bryan Carter solicitors LLP
We write with regard to theis outstanding debt.
Payment must be made in full withing the next fourteen days failing which we will remommend to our client that proceedings be issued without further notice.
Sould proceedings be issued, additional charges will be added to the existing balance as shown below.
Outstanding balance £467.90
Interest £37.90
Court fees £30.00
Solicitors costs £50.00
New £585.33 if proceedings are issued.
If you dispute liability for this debt please state your reasons in writing
and supply us with documents in support of your defence to any claim.
Before the account is referred to us to litigate you still have an
opportunity to contact fredrickson Internationl Ltd with your payment
proposals. In order to avoid further action you should telephone them .
This is a serious matter and you should seek independent legal advice.
4/3/13 sent sold while in dispute to Bryan Carter
08/03/2013 from Bryan Carter solicitors
We write further to your letter dated 4 March 2013, the contents of which we note.
We believe that our client has complied with the Pre-Action Protocol so far as it applies to this matter.
For the avoidance of doubt however the monies due may be paid to our client's debt collection agents, Fredrickson International Limited, by direct debt, bank standing order, cash, cheque, debit card, payment card or postal order. Please see Fredrickson International Limited's notepaper for details of their address ad telephone number.
You may contact us between .....bla bla bla
We confirm that a list of organisations where independent advice could be obtained was provided on the overleaf of Fredricksons notepaper.
In relation to your request for documents, it is our client's policy to provided agreements to its customers at the point of contract and statements throughout and therefore you have already been provided with validation of the debt.
Our client confirms that they have fulfilled their obligations under section 78 of the consumer credit act 1974 in their letter to you dated 16 July 2012 and the debt remains enforceable .
At this time we have no instructions to litigate this account, however if Fredrickson International Limited does not hear from you with your payment proposals by 21 March 2013 we will seek further instructions from our client.
28/03/13 from Fredrickson International
Despite a recent letter from Bryan carter Solicitors you have failed to
discharge your debt with our client Capital One (europe)plc. We are
We are prepared to offer you one final opportunity to pay before recommending to our client that they instruct solicitors to issue a claim at your address.
At this late stage, and as a gesture of goodwill, we are prepared to accept a full and final settlement on this account provided that you contact us within 48 hours of reciept of this letter.
3/7/13 Cap One
PLEASE BE AWARE your account has moved
I am writing to advise you that your account is no longer being managed by the Debt Collection Agency who were acting on behalf of Capital One.
Please work with us to reduce your debt
It is important that you continue to make payments to your account. Payments should be made directly to Capital One unless otherwisde notified. Please see attached for payment methods.
Already settled ?
Please disregard this letter if you have agreed a settlement figure with the Debt collection agency and have made tht payment.
Have questions or need help?
If you have any questions please call us .
2/8/13 Capital One
I am writing to inform you that capital one have sold your account to Lowell Portfolio l Ltd, All contact about your account should now be with Lowell Portfolio l Ltd who will write you to provide details of how they can be contacted and how payments can be made.
Lowell will start reporting against your credit file within 30 days of you receiving this letter.
The outstanding balance on your account as at 18/07/2013 was £467.90 and this balance will be passed along with any payments or spend to Lowell .
02/08/2013 Lowell Prtfolio l Ltd
introduction of who they are and explaining when the account was bought by them and how they are entitled to receive payment of the outstanding balance.
How much owed how to contact them to arrange a monthly repayment plan
Please call to discuss how to repay the account
.
17/08/2013 Lowell financial
Lowell Protfolio wrote recently to tell you they have bought the outstanding balance you had with cap one ,You have not yet cleared the outstanding balance or entered into a repayment plan, so they have asked us to get in touch.
We can help you clear this outstanding balance and repaying your debt may help to improve your credit rating.
What you need to do now
Its very important that you do one of the following things asap
pay in full
contact us
Phone us now to clear you balance
20/08/2013 sent sold while in dispute letter to Lowell financial
[COLOR=#ff0000]02/09/2013 Lowell Financial
We want to help you clear your account
We still haven't agreed a repayment plan for the outstanding balance you have with us.
The longer you leave getting in touch or paying off the balance, the more you risk further action being taken against you including legal action. We may also ask one of our agents to arrange a time to visit you at your home do discuss your account and repayment of your debt if we don't hear from you. So please phone us on 00000000 as as.
The simplest way to pay
direct debt
blah blah blah
Call us straight away
It really is important that we har from you. Your outstanding balance may be affecting your ability to obtain all forms of credit inlcuding loans blaha blah
3/9/13 Lowell Porfolio l
We thank you for your recent letter and apologise for the delay in replying.
Your comments with regards to the fact that the account is in dispute with Cap One as they failed to acknowledge your CCA request.. We have queried this with Cap One and will advise you of their response upon receipt.
In the meantime we have requested a copy of the CCA in accordance with S77-79 together with statements.
13/09/13 Lowell- news on your credit agreement request
We have been in touch with Cap One about the copy of your credit agreement.
They have let us know they are trying to retrieve the agreement from their archive .As soon as we have it, we will send it to you.
What will happen next
In the event we cannot obtain a copy of the agreement we will write to you again and inform of this . Once you have seen your credit agreement , we will ask you to pay your outstanding balance in full
23/10/23013-Lowell - Cap One cannot locate the agreement due the age of the account so Lowell's are closing the account .will not make contact unless agreement is received .
16/12/13 Lowell cca enclosed , looking forward to proposal for repayment within 14 days
i have sent the agreement to niddy to look at .
ps i still am unable to change from red to blue to update my diary i have tried the advanced and it still wont work lol
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 sent
1/9/12 account passed to Fredrickson
21/9/12 Fredrickson demanding payment
24/9/12 sent account sold while in dispute letter to Fredrickson and also to Cap One
6/10/12 from Fredrickson account on hold while they refer back to Cap One
10/10/12 Fredrickson ,.their client has complied with the cca request 16th July 2012
(we have not received a thing)
12/10/12 threat of court action
15/10/12 sent letter before action.
22/10/12 Fredrickson threat before action postcard
24/10/12 Fredrickson ,they have referred the account back to Cap One ,no longer instructed to deal with it.
11/01/13
from cap one letter scanned
24/01/13 sent a one liner asking Cap One to re-send the two letters they said they sent in July and Oct 2012
08/02/13 from Cap One
Thank you for your recent letter.
I would like to be able to help you with your query, but unfortunatley you did not sign letter.
To enable me to answer your query, please write to us at the address belwo including an example of your signature and your 16 digit account number as a reference:
Alternatively, you can call one of our specialist account managers who will go throught a security check with you and answer your query immediatley.
I'm sorry for the inconveience this may cause you. I realise how frustrating it is to have to to the trouble of contacting us again. However, we need to do this to protect the security of your account and personal detals.
02/03/2013 from Bryan Carter solicitors LLP
We write with regard to theis outstanding debt.
Payment must be made in full withing the next fourteen days failing which we will remommend to our client that proceedings be issued without further notice.
Sould proceedings be issued, additional charges will be added to the existing balance as shown below.
Outstanding balance £467.90
Interest £37.90
Court fees £30.00
Solicitors costs £50.00
New £585.33 if proceedings are issued.
If you dispute liability for this debt please state your reasons in writing
and supply us with documents in support of your defence to any claim.
Before the account is referred to us to litigate you still have an
opportunity to contact fredrickson Internationl Ltd with your payment
proposals. In order to avoid further action you should telephone them .
This is a serious matter and you should seek independent legal advice.
4/3/13 sent sold while in dispute to Bryan Carter
08/03/2013 from Bryan Carter solicitors
We write further to your letter dated 4 March 2013, the contents of which we note.
We believe that our client has complied with the Pre-Action Protocol so far as it applies to this matter.
For the avoidance of doubt however the monies due may be paid to our client's debt collection agents, Fredrickson International Limited, by direct debt, bank standing order, cash, cheque, debit card, payment card or postal order. Please see Fredrickson International Limited's notepaper for details of their address ad telephone number.
You may contact us between .....bla bla bla
We confirm that a list of organisations where independent advice could be obtained was provided on the overleaf of Fredricksons notepaper.
In relation to your request for documents, it is our client's policy to provided agreements to its customers at the point of contract and statements throughout and therefore you have already been provided with validation of the debt.
Our client confirms that they have fulfilled their obligations under section 78 of the consumer credit act 1974 in their letter to you dated 16 July 2012 and the debt remains enforceable .
At this time we have no instructions to litigate this account, however if Fredrickson International Limited does not hear from you with your payment proposals by 21 March 2013 we will seek further instructions from our client.
28/03/13 from Fredrickson International
Despite a recent letter from Bryan carter Solicitors you have failed to
discharge your debt with our client Capital One (europe)plc. We are
We are prepared to offer you one final opportunity to pay before recommending to our client that they instruct solicitors to issue a claim at your address.
At this late stage, and as a gesture of goodwill, we are prepared to accept a full and final settlement on this account provided that you contact us within 48 hours of reciept of this letter.
3/7/13 Cap One
PLEASE BE AWARE your account has moved
I am writing to advise you that your account is no longer being managed by the Debt Collection Agency who were acting on behalf of Capital One.
Please work with us to reduce your debt
It is important that you continue to make payments to your account. Payments should be made directly to Capital One unless otherwisde notified. Please see attached for payment methods.
Already settled ?
Please disregard this letter if you have agreed a settlement figure with the Debt collection agency and have made tht payment.
Have questions or need help?
If you have any questions please call us .
2/8/13 Capital One
I am writing to inform you that capital one have sold your account to Lowell Portfolio l Ltd, All contact about your account should now be with Lowell Portfolio l Ltd who will write you to provide details of how they can be contacted and how payments can be made.
Lowell will start reporting against your credit file within 30 days of you receiving this letter.
The outstanding balance on your account as at 18/07/2013 was £467.90 and this balance will be passed along with any payments or spend to Lowell .
02/08/2013 Lowell Prtfolio l Ltd
introduction of who they are and explaining when the account was bought by them and how they are entitled to receive payment of the outstanding balance.
How much owed how to contact them to arrange a monthly repayment plan
Please call to discuss how to repay the account
.
17/08/2013 Lowell financial
Lowell Protfolio wrote recently to tell you they have bought the outstanding balance you had with cap one ,You have not yet cleared the outstanding balance or entered into a repayment plan, so they have asked us to get in touch.
We can help you clear this outstanding balance and repaying your debt may help to improve your credit rating.
What you need to do now
Its very important that you do one of the following things asap
pay in full
contact us
Phone us now to clear you balance
20/08/2013 sent sold while in dispute letter to Lowell financial
[COLOR=#ff0000]02/09/2013 Lowell Financial
We want to help you clear your account
We still haven't agreed a repayment plan for the outstanding balance you have with us.
The longer you leave getting in touch or paying off the balance, the more you risk further action being taken against you including legal action. We may also ask one of our agents to arrange a time to visit you at your home do discuss your account and repayment of your debt if we don't hear from you. So please phone us on 00000000 as as.
The simplest way to pay
direct debt
blah blah blah
Call us straight away
It really is important that we har from you. Your outstanding balance may be affecting your ability to obtain all forms of credit inlcuding loans blaha blah
3/9/13 Lowell Porfolio l
We thank you for your recent letter and apologise for the delay in replying.
Your comments with regards to the fact that the account is in dispute with Cap One as they failed to acknowledge your CCA request.. We have queried this with Cap One and will advise you of their response upon receipt.
In the meantime we have requested a copy of the CCA in accordance with S77-79 together with statements.
13/09/13 Lowell- news on your credit agreement request
We have been in touch with Cap One about the copy of your credit agreement.
They have let us know they are trying to retrieve the agreement from their archive .As soon as we have it, we will send it to you.
What will happen next
In the event we cannot obtain a copy of the agreement we will write to you again and inform of this . Once you have seen your credit agreement , we will ask you to pay your outstanding balance in full
23/10/23013-Lowell - Cap One cannot locate the agreement due the age of the account so Lowell's are closing the account .will not make contact unless agreement is received .
16/12/13 Lowell cca enclosed , looking forward to proposal for repayment within 14 days
i have sent the agreement to niddy to look at .
ps i still am unable to change from red to blue to update my diary i have tried the advanced and it still wont work lol
I haven't changed it because it's a letter you've received.
it seems to work on my laptop but not my main pc .
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