Re: spent2much UE diary
I would just wait to see what they do next if it were me........
Originally posted by Spent2much
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Quote:
Originally Posted by Spent2much
Type of account (solutions finance card)
Date commenced (2003)
Approx balance (£2,111
Date last paid (22 June 2012)
Are you on arrangement or not paying (was on dmp now stopped paying)
Status (default/in arrears )
Account owner (Capquest)
18/07/2012
recieved a letter saying they have put this account on hold for 28 days until they get the information i require, in the meantime would i like to send them any information that might speed this up (not bloody likely)
24/7/2012
letter recieved from Capquest.
Dear spent2much,
Blah Blah Blah.
We refer to our recent letter and regret that we have still been unable to obtain all the documents you requested from the original creditor. However please find attached some statements for your information.
We aknowledge that until we are able to provide copies of the documents to you , your account is unenforceable. That does not mean that the debt has ceased to exist and it is proper for us to continue to report the default on the account to the credit reference agencies. We may also write to you to provide information as the the state of your account.
If we are provided witht the relevant documentation at a future date, we will send copies to you. At this point the debt will again become enforceable . We will then require your proposals for repayment , by installments that you are able to maintain that we will seek to agree with you. If at that point you are not willing to make payment or an arrangement we will consider enforecement.


do i need to send anything to these now its unenforceable or do i just wait to see what they do next ?
07/09/2012
received this letter today
We write to advise that your current payment arrangement has defaulted as we have not received any recent communication or payments fron payplan ltd in relation to your account.
We would therefore advise you that the above account remains outstanding and payment of the full balance is required immedatley.
Your payment should reach our debt admin office by 14th sep 2012 and payment can be made by the following methods
blah blah blah
goes on to say if i am unable to make this full payment i should contact them to discuss a siutable arrangement and to stop further action taken .
Originally Posted by Spent2much

Type of account (solutions finance card)
Date commenced (2003)
Approx balance (£2,111
Date last paid (22 June 2012)
Are you on arrangement or not paying (was on dmp now stopped paying)
Status (default/in arrears )
Account owner (Capquest)
18/07/2012
recieved a letter saying they have put this account on hold for 28 days until they get the information i require, in the meantime would i like to send them any information that might speed this up (not bloody likely)
24/7/2012
letter recieved from Capquest.
Dear spent2much,
Blah Blah Blah.
We refer to our recent letter and regret that we have still been unable to obtain all the documents you requested from the original creditor. However please find attached some statements for your information.
We aknowledge that until we are able to provide copies of the documents to you , your account is unenforceable. That does not mean that the debt has ceased to exist and it is proper for us to continue to report the default on the account to the credit reference agencies. We may also write to you to provide information as the the state of your account.
If we are provided witht the relevant documentation at a future date, we will send copies to you. At this point the debt will again become enforceable . We will then require your proposals for repayment , by installments that you are able to maintain that we will seek to agree with you. If at that point you are not willing to make payment or an arrangement we will consider enforecement.


do i need to send anything to these now its unenforceable or do i just wait to see what they do next ?
07/09/2012
received this letter today
We write to advise that your current payment arrangement has defaulted as we have not received any recent communication or payments fron payplan ltd in relation to your account.
We would therefore advise you that the above account remains outstanding and payment of the full balance is required immedatley.
Your payment should reach our debt admin office by 14th sep 2012 and payment can be made by the following methods
blah blah blah
goes on to say if i am unable to make this full payment i should contact them to discuss a siutable arrangement and to stop further action taken .
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