Re: spent2much UE diary
update ignore?
Originally posted by Spent2much
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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 sent
28/9/12 from Halifax account sold to BLS 3/8/12
26/10/12
repayment plan arrears
overdue account ,
10 days to repay the amount owing
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
BLS 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 trasferred your account ot Moorcroft
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
pay before the 15/01/13 by calling us .
23/01/13 from Moorcroft
MONTHLY INSTALMENT OFFER
08/02/13 from midascreditservies
We are part of the Moorcroft Group and are aware that you have failed to reach repayment agreement with Moorcroft .
contact Moorcroft now to prevent possible further action
22/02/13 from Moorcroft
DISCOUNT OFFER installments .
30/ 03/13 from Moorcroft
discount offer
I am disappointed to note that despite our numerous attempts to contact you no satisfactory agreement has been reached regarding the balance oustanding of £246 on the above account.
However in one last attempt to come to an arrangement to prevent the possibility of further debt recovery action being recommneded our client has informed us that we may be able to offer you a substantial discount from your outstanding balance. This means that if you able to pay an acceptable lump sum within the next 14 days we will not pursue the remaining balance of the debt .
ignore ?
29/04/13 Halifax
Account transferred to Westcot Credit Services Ltd
18/05/13 SWID to westcot
07/05/13 Westcot
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 on the number supplied .
TO AVOID WESTCOT TAKING FURTHER , YOU MUST
PAY THE DEBT IN FULL TO WESTCOT OR CONTACT US ON BLAH BLAH
07/05/13 Westcot
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 WESTCOT TAKING FURTHER ACTION, YOU MUST:
PAY THE DEBT IN FULL TO WESTCOT OR 2. CONTACT US ON BLAH BLAH BLAH
15/05/13 Westcot
FINAL NOTICE
Our latest enquiries have now confirmed that you are still resident at this address but we have not received a reply to our previous corrospondence.
Unless you contact us to agree repayment of £246.26 within the next 10 days , further collection activity will be taken to recover the full outstanding balance.
Please do not ignore this letter as this could result in further action being taken to recover the debt .
31/05/13 Westcot
We acknowledge that have raised a query on this account and we would like to confrim to you how this will be investigated.
We will suspend all collections activity on the above account whilst the matter is under investigation.This means that we will not write to you, or telephone you in pursuit of the account whilst it is being investigated. 10/06/2013 westcot
We refer to your recent communication. Having contacted our client they have advised that the above balance is correct and due for payment .They state that the above balance relates to a current account, therefore no credit agreement is available.
In the circumstances, we believe the dispute has now been resolved and the full balance or an agreed monthly instalment is required by return. Payment can be made by direct debit or online
If in the event you believe you still have a valid dispute , please contact us with the details within the next 14 days otherwise your account will be returned to our recovery team for collection
8/11/2013 from capquest
(wrong information about account they are saying it is a bank of Scotland credit card when it is a Halifax overdraft )
capquest have been asked to manage the account , usual threats of may send doorstep agents, possible litigation .
must contact them by the 15/11/2013 , if no contact then account will be passed to their solicitors HL Legaln
no contact will mean further action
23/11/2013 HL LEGAL solicitors
capquest has appointed us, on behalf of Bank of Scotland Credit Card. (this account is an overdraft ) not a credit card.
TAKE NOTICE THAT unless this account is paid in full or a satisfactory proposal for settlement is received by 05 Dec Court proceedings may be issued against you without further notice.
court costs explained
In the event that judgement is obtained against you,enforcement action will result in further costs .
I am going to send a quid to these muppets as they requested even though I begrudge it lol, must send it today though as I forgot about it .
ps notice the blue is working it seems to work on my laptop but not my main pc .
03/01/2014 sent £1 as requested will wait for them to realise it isn't a credit card but an overdraft
13/01/2014 capquest
we have been advised by bank of scotland that section 74 of cca 1974 provides that an overdraft on a current account will not fall within the documentation requirements of the cca . Therefore we are not providing a copy agreement for the above account. Please find enclosed your £1.00 postal order fee.
Please contact to discuss the payment options for this account.
31/01/2014 capquest
sending doorstep agents scotcall limited to arrange repayment
If a response is not made by 31/01/2014 an agent will be despatched and will call at the above address .
To avoid agent calling contact us by 31/01/2014
If contact is made before this date (impossible as this letter arrived today 31/01/2014,so bull shit as usual) they will offer a settlement figure of £184.70 to clear the amount.
will only show as parital settlement on credit file.
or can settle the account in instalments
2/02/2014 sent doorstep and phone call harassment letter to capquest
13/02/2014 Capquest
We have removed your telephone number from our system.
This account has been placed on hold until 08 March 2014 and we would be grateful if you could contact us during this period to advise us on how you would like to proceed with this account
If you require any further assistance , please do not hesitate to contact us.
11/12/14 assigned to 1st credit
24/12/2014 1st credit , offer for them to help pay with a reduced offer
5/01/2015 1st credit
letter giving me debt management companies names and then they can help me come to an arrangement to pay , enclosed is an income and expenditure form too .
15/01/2015 1st credit
As an outstanding creditor we will consider all offers of repayment.
We invite you to make an offer of repayment that is affordable to you based on your current financial circumstances . Be assured , we will not make unreasonable requests for a repayment amount that you cannot afford to make.
Remember , you are able to repay £246.26 over a period of time with flexible weekly, fortnightly, four-weekly or monthly installment plans that suit you .
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 sent
28/9/12 from Halifax account sold to BLS 3/8/12
26/10/12
repayment plan arrears
overdue account ,
10 days to repay the amount owing
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
BLS 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 trasferred your account ot Moorcroft
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
pay before the 15/01/13 by calling us .
23/01/13 from Moorcroft
MONTHLY INSTALMENT OFFER
08/02/13 from midascreditservies
We are part of the Moorcroft Group and are aware that you have failed to reach repayment agreement with Moorcroft .
contact Moorcroft now to prevent possible further action
22/02/13 from Moorcroft
DISCOUNT OFFER installments .
30/ 03/13 from Moorcroft
discount offer
I am disappointed to note that despite our numerous attempts to contact you no satisfactory agreement has been reached regarding the balance oustanding of £246 on the above account.
However in one last attempt to come to an arrangement to prevent the possibility of further debt recovery action being recommneded our client has informed us that we may be able to offer you a substantial discount from your outstanding balance. This means that if you able to pay an acceptable lump sum within the next 14 days we will not pursue the remaining balance of the debt .
ignore ?
29/04/13 Halifax
Account transferred to Westcot Credit Services Ltd
18/05/13 SWID to westcot
07/05/13 Westcot
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 on the number supplied .
TO AVOID WESTCOT TAKING FURTHER , YOU MUST
PAY THE DEBT IN FULL TO WESTCOT OR CONTACT US ON BLAH BLAH
07/05/13 Westcot
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 WESTCOT TAKING FURTHER ACTION, YOU MUST:
PAY THE DEBT IN FULL TO WESTCOT OR 2. CONTACT US ON BLAH BLAH BLAH
15/05/13 Westcot
FINAL NOTICE
Our latest enquiries have now confirmed that you are still resident at this address but we have not received a reply to our previous corrospondence.
Unless you contact us to agree repayment of £246.26 within the next 10 days , further collection activity will be taken to recover the full outstanding balance.
Please do not ignore this letter as this could result in further action being taken to recover the debt .
31/05/13 Westcot
We acknowledge that have raised a query on this account and we would like to confrim to you how this will be investigated.
We will suspend all collections activity on the above account whilst the matter is under investigation.This means that we will not write to you, or telephone you in pursuit of the account whilst it is being investigated. 10/06/2013 westcot
We refer to your recent communication. Having contacted our client they have advised that the above balance is correct and due for payment .They state that the above balance relates to a current account, therefore no credit agreement is available.
In the circumstances, we believe the dispute has now been resolved and the full balance or an agreed monthly instalment is required by return. Payment can be made by direct debit or online
If in the event you believe you still have a valid dispute , please contact us with the details within the next 14 days otherwise your account will be returned to our recovery team for collection
8/11/2013 from capquest
(wrong information about account they are saying it is a bank of Scotland credit card when it is a Halifax overdraft )
capquest have been asked to manage the account , usual threats of may send doorstep agents, possible litigation .
must contact them by the 15/11/2013 , if no contact then account will be passed to their solicitors HL Legaln
no contact will mean further action
23/11/2013 HL LEGAL solicitors
capquest has appointed us, on behalf of Bank of Scotland Credit Card. (this account is an overdraft ) not a credit card.
TAKE NOTICE THAT unless this account is paid in full or a satisfactory proposal for settlement is received by 05 Dec Court proceedings may be issued against you without further notice.
court costs explained
In the event that judgement is obtained against you,enforcement action will result in further costs .
I am going to send a quid to these muppets as they requested even though I begrudge it lol, must send it today though as I forgot about it .
ps notice the blue is working it seems to work on my laptop but not my main pc .
03/01/2014 sent £1 as requested will wait for them to realise it isn't a credit card but an overdraft
13/01/2014 capquest
we have been advised by bank of scotland that section 74 of cca 1974 provides that an overdraft on a current account will not fall within the documentation requirements of the cca . Therefore we are not providing a copy agreement for the above account. Please find enclosed your £1.00 postal order fee.
Please contact to discuss the payment options for this account.
31/01/2014 capquest
sending doorstep agents scotcall limited to arrange repayment
If a response is not made by 31/01/2014 an agent will be despatched and will call at the above address .
To avoid agent calling contact us by 31/01/2014
If contact is made before this date (impossible as this letter arrived today 31/01/2014,so bull shit as usual) they will offer a settlement figure of £184.70 to clear the amount.
will only show as parital settlement on credit file.
or can settle the account in instalments
2/02/2014 sent doorstep and phone call harassment letter to capquest
13/02/2014 Capquest
We have removed your telephone number from our system.
This account has been placed on hold until 08 March 2014 and we would be grateful if you could contact us during this period to advise us on how you would like to proceed with this account
If you require any further assistance , please do not hesitate to contact us.
11/12/14 assigned to 1st credit
24/12/2014 1st credit , offer for them to help pay with a reduced offer
5/01/2015 1st credit
letter giving me debt management companies names and then they can help me come to an arrangement to pay , enclosed is an income and expenditure form too .
15/01/2015 1st credit
As an outstanding creditor we will consider all offers of repayment.
We invite you to make an offer of repayment that is affordable to you based on your current financial circumstances . Be assured , we will not make unreasonable requests for a repayment amount that you cannot afford to make.
Remember , you are able to repay £246.26 over a period of time with flexible weekly, fortnightly, four-weekly or monthly installment plans that suit you .
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