spent2much UE diary

[Spent2much]

Re: spent2much UE diary

I hope they "continue to contact you" for many years

That's what i thought lol

[Spent2much]

Re: spent2much UE diary

Type of account (JJB sports mastercard)husband's

Date commenced (2004)

Approx balance (£580)(£657.69

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 quieries you may have quoting the client reference number obove.


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

7/7/2016 Lowell

Please contact us today to discuss your account
You will not be asked to pay more than you can afford
You can pay over the phone on xxxxxxxxxx

As the owner of your creation financial services limited , Lowell Portfolio 1 lmt wrote you you previously.
We are now contacting you to agree how you can repay your account .

lowell 22/7/16

We're yet to agree repayment for your former creation financial services limited account . We really want to work with you, but we can only help you if you get in touch .

Whatever your circumstances, we'll reach an outcome that's right for you

26/8/2016 cca request to lowell


8/8/2016 lowell Get in touch to discuss payment

24/9/2016 Lowell

An update on your request for documentation ..

Not had anything yet and the account remains on hold .

21/02/2017 - creation

We have been trying to contact you for some time to discuss this debt but without success .

We can help you pay this debt off blah blah blah

It's really important that you call us now as this debt may be passed to a solicitor or debt collection agency. WE are offering you one final opportunity to repay.
.

update

[Spent2much]

Re: spent2much UE diary

Type of account (JJB sports mastercard)husband's

Date commenced (2004)

Approx balance (£580)(£657.69

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 quieries you may have quoting the client reference number obove.


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

7/7/2016 Lowell

Please contact us today to discuss your account
You will not be asked to pay more than you can afford
You can pay over the phone on xxxxxxxxxx

As the owner of your creation financial services limited , Lowell Portfolio 1 lmt wrote you you previously.
We are now contacting you to agree how you can repay your account .

lowell 22/7/16

We're yet to agree repayment for your former creation financial services limited account . We really want to work with you, but we can only help you if you get in touch .

Whatever your circumstances, we'll reach an outcome that's right for you

26/8/2016 cca request to lowell


8/8/2016 lowell Get in touch to discuss payment

24/9/2016 Lowell

An update on your request for documentation ..

Not had anything yet and the account remains on hold .

27/01/2017 West Midlands Debt Collections - Your account held with Creation finance has been passed to us for recovery.

Payment is now due in full and to prevent further action you must select one of the payment options .
.
8/02/2017 Lowell -
we have agreed with Creation Financial Services Limited that your account is to be returned to them .
This means that you will not receive any further communication from Lowell .
We will update your credit file to reflect this within the next 60 days .

swid-or-ignore-for-now-?

send SWID to West Midlands Debt Collections.

[The Tech Clerk]

Re: spent2much UE diary

they are only collectors not a Debt Buyer - see what they send next

[Spent2much]

Re: spent2much UE diary

Okay thank you

[Pixie]

Re: spent2much UE diary

I actually believe in getting SWID sent off when a new dca etc gets in contact so that they know you're not just burying your head in the sand hoping they'll go away.

[Spent2much]

Re: spent2much UE diary

Thank you pixie i will send one tomorrow

[Pixie]

Re: spent2much UE diary

I know not everyone agrees but I think a SWID can nip things in the bud.

[Spent2much]

Re: spent2much UE diary

thanks Pixie- will send it tomorrow when we have some more money .
Cant send it have no swid template and have no money to join AAD+

[Spent2much]

Re: spent2much UE diary

Type of account (JJB sports mastercard)husband's

Date commenced (2004)

Approx balance (£580)(£657.69

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 quieries you may have quoting the client reference number obove.


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

7/7/2016 Lowell

Please contact us today to discuss your account
You will not be asked to pay more than you can afford
You can pay over the phone on xxxxxxxxxx

As the owner of your creation financial services limited , Lowell Portfolio 1 lmt wrote you you previously.
We are now contacting you to agree how you can repay your account .

lowell 22/7/16

We're yet to agree repayment for your former creation financial services limited account . We really want to work with you, but we can only help you if you get in touch .

Whatever your circumstances, we'll reach an outcome that's right for you

26/8/2016 cca request to lowell


8/8/2016 lowell Get in touch to discuss payment

24/9/2016 Lowell

An update on your request for documentation ..

Not had anything yet and the account remains on hold .

27/01/2017 West Midlands Debt Collections - Your account held with Creation finance has been passed to us for recovery.

Payment is now due in full and to prevent further action you must select one of the payment options .
.
7/2/2017 swid to west midlands debt collections .





8/2/2017 - Lowell - we have returned your account to creation financial services .

They sent the letter informing me that account had been returned to the original creditor before they even received the SWID letter .

[Pixie]

Re: spent2much UE diary

They sent the letter informing me that account had been returned to the original creditor before they even received the SWID letter .

I like it when they return an account to the OC. It means you're too much hassle for them to deal with

[Spent2much]

Re: spent2much UE diary

I like it when they return an account to the OC. It means you're too much hassle for them to deal with

They are right too I'm a pain the bum most the time : :

[The Tech Clerk]

Re: spent2much UE diary

Many a true word spoken in Jest! oopppsssssssss

[Spent2much]

Re: spent2much UE diary

Type of account (JJB sports mastercard)husband's

Date commenced (2004)

Approx balance (£580)(£657.69

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 quieries you may have quoting the client reference number obove.


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

7/7/2016 Lowell

Please contact us today to discuss your account
You will not be asked to pay more than you can afford
You can pay over the phone on xxxxxxxxxx

As the owner of your creation financial services limited , Lowell Portfolio 1 lmt wrote you you previously.
We are now contacting you to agree how you can repay your account .

lowell 22/7/16

We're yet to agree repayment for your former creation financial services limited account . We really want to work with you, but we can only help you if you get in touch .

Whatever your circumstances, we'll reach an outcome that's right for you

26/8/2016 cca request to lowell


8/8/2016 lowell Get in touch to discuss payment

24/9/2016 Lowell

An update on your request for documentation ..

Not had anything yet and the account remains on hold .

27/01/2017 West Midlands Debt Collections - Your account held with Creation finance has been passed to us for recovery.

Payment is now due in full and to prevent further action you must select one of the payment options .
.
7/2/2017 swid to west midlands debt collections .





8/2/2017 - Lowell - we have returned your account to creation financial services .


15/02/2017 Creation
Further to your recent contact with us , I am sorry to hear that you have been dissatisfied with the service provided.

A summary of the understanding of your complaint is below , please contact us if this is incorrect to enable us to deal with your complaint as swiftly as possible.

. unhappy with the outstanding balance on your account .

A thorough investigation into your concerns will be conducted and once this has been completed we will write to you again ..Enclosed is a copy of our complaints procedures for you information
, please take time to read this as it explains how we deal with you complaint and when we will contact you again .

Update shall ignore for now see what they send next ?

[Pixie]

Re: spent2much UE diary

Yes I would ignore it. Wait and see what they send next.