spent2much UE diary

[Spent2much]

Re: spent2much UE diary

May be this one is the one to send now. http://www.all-about-debt.co.uk/inde...e-cca-received.

you are not disputing that documents were sent just the fact they didn't send the ones you wanted. xx

Thank you , that's a good reply will send that tomorrow x

[Spent2much]

Re: spent2much UE diary

A few on here at the same stage as you. Refer to Ombudsman, letter received just sit tight and wait for next move, guessing Keynes collections again. UE is UE. just fight them.

Just noticed your reply thank you , not sure what to do now PlanB suggested replying but i was thinking to just wait and see what happens

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[Spent2much]

Re: spent2much UE diary

• Type of account (overdraft with lloydstsb) mine
  []Date commenced (2005)
• Approx balance.( £644.67
• Date last paid (22/06/2012)
• Are you on arrangement or not paying (stopping dmp )
• Status (default/letter recieved today, )
• Account owner (iQor on behalf of their client )
• 9/7/2012 cca request sent

4/7/2012 from iQor , LloydsTsb have passed your debt to iQor with instructions to recover your outstanding balance .

If you do not take action to resolve this matter immediately, we may commence legal action in the county court . This may well result in a judgment/decree being recorded against you.
We may instruct a doorstep collector to visit your home to discuss your financial circumstances and agree payment .
If you think you cannot pay the debt in full at presen then call us .
1/08/2012 from gpb solicitors
We have been contacted by iQor recovery in relation to monies owed to LloydsTsb
If full payment ,or your proposals for payment , are not received by iQor within 10 days from the date of this letter, it is likely that we will be instructed to commence legal prceedings .

16/08/2012 from gpb LEGAL ACTION PENDING
You have failed to pay this overdue debt to LLOYDS TSB and we have been instructed by their agents iQor to recover the sum due. Full payment must be received in this office WITHIN SEVEN DAYS of the above date ,otherwise a counrt court claim may be issued without further warning .

goes on about court costs

If you fail to respond to this letter and we do obtain judgment against you , this not only impair your credit file and your ability to obtain credit, it may lead to further enforecment action and costs through

: Having your personal belongings seized and sold by a county court bailiff
:intercepting your wages with an attachment of earnings order being passed to any emploer you may have now or in the future

If you reside outside the jurisdiction of England and Wales , then our agents may be instructed to raise an action in your local court.

contact us now


28/08/2012 resent CCA reminder
13/09/2012 from iQor Further to your recent request under the CCA 1974,sec77/78 for copy of your original credit agreement we note that we have not received a fee of £1.00 from you which is required under the Act and for that reason we have not progressed your request any further.
Should you wish to continue with this request, please forward us the prescribed fee of £1.00 and your request in writing.

28/09/2012 from LloydsTsb , account passed to Robinson way
1/10/2012 from Robinson way,
Our client has authorised us to recover the full amount you woe, shown above.
Please pay the full amount without delay
If you do not pay or agree a payment plan with us, we may advise our client to start court action, If a court considers your failure to pay to be to neglect, an order for payment may be made.

goes on to say about an application made to the court, future credit will be affected, this account may continue to worry me.

12/10/2012 from Robinson way

APPOINTMENT FOR HOME VISIT

15/10/2012 LETTER SENT ABOUT THREATOGRAM AND HOME VISIT

29/10/2012 from Robinson way.

we refer to your recent request not to be contacted by telephone in respect of the above account .

We can confirm that your tlephone number has been removed from your account in our file. You remain fully liable for payment of the balance owing and any further action may still be taken to recover the sum due.
If you have not provided us with your repayment proposals, please contact us within the next 14 days.

24/11/2012 from HORWICH FARRELLY

We have been instructed by the above in relation to your outstanding debt.
Court action may be taken against you unless you take steps to resolve the matter quickly. At this stage you can avoid court proceedings by taking the following action within the next 10 days ..
Either:-
a) make full payment, or
b) Pay what you can now, and agree an affordable payment arrangement.

Remember court action may increase the amount you owe, by the addition of court fees.

you can pay and make proposals by using following websits robway.co.uk


21/02/13 from robinson way

WHERE HAVE WE GONE WRONG ?

We have sent you a number of letters, tried to telephone you, and our local representative may have called at your home,(COULD THIS BE MALCOM ?) but your account remains unpaid.

Full payment is due and payable. We know how worrying it can be to work out how to pay debts. If you cannot pay in full, we will listen and take into account your circumstances. the most important thing for you to do is get intouch.

We may offer a reduction to your balance, we can agree a payment plan that is affordable and which you can keep to.

Unpaid debts don't just go away or get forgotten no matter how much people want that to happen. Our staff are waiting to take your call, If you prefer , deal with this online at robway.co.uk or ypu can email us at : payline@robinson-way.com

25/02/2013 sent account sold while in dispute to Robinson way

7/03/2013 from robinson way (letter dated 4/03/13

with reference to your recent contact , this balance relates to a current account and as such is expempt from part V of the Conusmer Credit Act 1974.

There is therefore no requirement to produce a copy agreement.

We now require you to resume your payments or to contact us with your repayment proposals within 14 days

13/04/2013 from lloydsTsb
As we haven't been able to agree a suitable repayment plan, we 've transferred your account to a debt collection agency Firstsource Solutions UK Ltd to arrange a collection of the outstanding amount.

Please contact Firstsource as soon as possible to pay back the outstanding amount .

12/07/2014-LLOYDS BANK
Lloyds has assigned all of its respective rights, title and interest in respect of the above reference account (including the outstanding balance ) to Lowell Portfolio l Ltd effective 24/06/2014

12/07/2014- Lowell

This letter is intended to give you formal notice that your outstanding balance with Lloyds was sold and assigned to Lowell Portfolio l Ltd . on 24/06/2014. As Lowell now owns the debt , we are entitled to receive payment of the outstanding balance. Details of your account are set out in the right handn margin.

Lowell Portfolio l Ltd . has instructed Lowell Financial Ltd. to manage your account.

6/08/2014 Lowell
we want to help you clear your account

we still haven't agreed a repayment plan for the outstanding balance.

Please phone us asap

I received text messages from Lowell 17/07/14 4/08/14 12/08/14 .

8/09/2014 lowell
get in touch to discuss account oor lowell will pass debt onto Red Debt collections services who will obtain a copy of my credit file and determine what options to use to recover what i owe. for example they could use litigation .


12/11/2014 red dcs
we are a trading division of Lowell financial ltd and we are instructed to collect the money you owe to Lowell

we specialise in assessing accounts for litigation and will be obtaining a copy of your credit file in order to review your financial circumstances and the information within it will help us to determine the best way to recover what you owe.

You can avoid this by us ot either in full or to arrange a suitable payment plan.

If you do replay what you woe you could risk legal action being taken, We may decide to apply to the county court for a CCJ , If we are successful and you do not pay depending on the amount you woe and your circumstances we could apply to secure the debt against property that you own or to deduct amounts directly from your earnings . we may ask a court bailiff to remove goods from your house to the value of the debt. to avoid such action call us and if you are unable to pay the full balance we will arrange a payment plan that you can afford ,

what should i send in reply to this please ?

[Still Waving]

Re: spent2much UE diary

Hi S2m

From your post #1473 it doesn't look as if you have sent a SWID letter to Lowell. If you haven't, then perhaps send one to Red, which should buy a bit of time while it gets referred back.

[Spent2much]

Re: spent2much UE diary

Hi S2m

From your post #1473 it doesn't look as if you have sent a SWID letter to Lowell. If you haven't, then perhaps send one to Red, which should buy a bit of time while it gets referred back.

I can't find the template for overdrafts been looking and even when i put it in the search engine it can't find it and my laptop doesn't have it saved and the main pc has crashed with everything on it

[nightwatch]

Re: spent2much UE diary

try this http://www.all-about-debt.co.uk/inde...327-bank-cca-1

[Spent2much]

Re: spent2much UE diary

try this http://www.all-about-debt.co.uk/inde...327-bank-cca-1

thank you but this is complicated as when i click the link i have to sign in before i can view the templates and when i put it into the search engine it can't be found. I think it has got too complicated plus i am thick too which doesn't help :

[nightwatch]

Re: spent2much UE diary

sign in using the same details you use to sign in here x

[Spent2much]

Re: spent2much UE diary

sign in using the same details you use to sign in here x

]

i have but i cannot find the right template , maybe i am not looking in the right place but i search for swid for overdraft and nothing comes up .

[nightwatch]

Re: spent2much UE diary

its in the unenforceability section,
section 1, starting out.
CCA bank accounts

[Spent2much]

Re: spent2much UE diary

Okay got that but where is the swid template because i can't see it . feel really stupid

[Still Waving]

Re: spent2much UE diary

Actually, I'm not sure that there is a SWID template for overdraft accounts. I'm now thinking that as Lowell have bought the account recently, the way to go might be to send them a fresh Bank Accounts - CCA Request (Part 1)
letter, possibly edited in this case, to reflect that the annual statements etc should have been sent by the original creditor, rather than Lowell.

See what Site Admin thinks. ( Also perhaps some thought could be given to whether there is a need for a suitable alternative to the standard SWID letter, specific to overdraft accounts.)

[Spent2much]

Re: spent2much UE diary

Actually, I'm not sure that there is a SWID template for overdraft accounts. I'm now thinking that as Lowell have bought the account recently, the way to go might be to send them a fresh Bank Accounts - CCA Request (Part 1)
letter, possibly edited in this case, to reflect that the annual statements etc should have been sent by the original creditor, rather than Lowell.

See what the site admin thinks. ( Also perhaps some thought could be given to whether there is a need for a suitable alternative to the standard SWID letter, specific to overdraft accounts.)

thanks i think there used to be one , but there isn't one there now as you can see the difficulty i have been having lol .

[nightwatch]

Re: spent2much UE diary

I think you use the standard SWID letter as it is the account that has been sold on to the DCA you just remove any part that says Credit card/loan

[Spent2much]

Re: spent2much UE diary

okay then thank you