spent2much UE diary

[cymruambyth]

Re: spent2much UE diary

I agree

[nanna58]

Re: spent2much UE diary

Me too x

[Susie]

Re: spent2much UE diary

we will make sure you can afford important thing like bills, food and your rent or mortgage .

does that mean they would donate to someone who did not have the income to pay these things?

[Grassy_K]

Re: spent2much UE diary

What would happen if you send in an I&E form with zero spare money left over after those essentials, I wonder...

[helmsman]

Re: spent2much UE diary

What would happen if you send in an I&E form with zero spare money left over after those essentials, I wonder...

Hi,
They would be kind enough to tweak it for you so their is enough left to pay them.
Helmsman.

[Spent2much]

Re: spent2much UE diary

Hi,
They would be kind enough to tweak it for you so their is enough left to pay them.
Helmsman.

lt will never happen they are not getting any of my information

[Spent2much]

Re: spent2much UE diary

Type of account (JJB sports mastercard)husband's

Date commenced (2004)

Approx balance (£580)

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 queries you may have quoting the client reference number above.


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

I need to send a SWID ,but do i wait until Lowell contact me before sending it ?

[nanna58]

Re: spent2much UE diary

If it's just an advisory letter then no need to send anything xx

[nightwatch]

Re: spent2much UE diary

I'm with nanna, but i noticed there is no reference in your quote of if this is UE or not, did you ever receive a CCA?

[Spent2much]

Re: spent2much UE diary

I'm with nanna, but i noticed there is no reference in your quote of if this is UE or not, did you ever receive a CCA?

I can't have done as it isn't filed .

[The Tech Clerk]

Re: spent2much UE diary

did you receive one ????

[Spent2much]

Re: spent2much UE diary

did you receive one ????

I'm going to check my file but i don't think i did receive a CCA , let me check and post back thanks .

[Spent2much]

Re: spent2much UE diary

I sent a postal order for £1 for a CCA request 9 July 2012 and iqor returned the postal order November 29 2012

This is what the letter said .

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 for their control and management.

Please note your fee enclosed un-cashed

Please contact our client direct regarding any queries you may have quoting the credit reference number above .

[nightwatch]

Re: spent2much UE diary

oh well then just wait and see what comes next xx

[Roger]

Re: spent2much UE diary

I sent a postal order for £1 for a CCA request 9 July 2012 and iqor returned the postal order November 29 2012

This is what the letter said .

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 for their control and management.

Please note your fee enclosed un-cashed

Please contact our client direct regarding any queries you may have quoting the credit reference number above .

Thats nearly six months later! You have in writing their confirmation that they received your Postal Order and sent it back.
They had 14 days from receipt of your s.78 CCA request in July 2012. Unless someone says otherwise it seems to me that they and their client are in default of that CCA request and that this means they cannot enforce.
Just make certain you keep that letter safe.