spent2much UE diary

[Deepie]

Re: spent2much UE diary

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 .

I would just wait to see what they do next if it were me........

[Spent2much]

Re: spent2much UE diary

I would just wait to see what they do next if it were me........

will do, the balance they have is also about £800 more

[Spent2much]

Re: spent2much UE diary

More than what? You mean they have added interest? If it's UE, there's no need to worry about it as you won't be paying anyway...

MBNA added interest for 6 months after default (at a whopping 35%!) but it doesn't matter because I ain't paying!

yes in interest and charges , morons

[Spent2much]

Re: spent2much UE diary

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 .

08/09/2012
letter received

We are writing with reference to your request for further information in relation to your above account.

We can confirm we have requested this information directly from solutions finance card., however we are still awaiting a response. Your account is curently on hold, and if interest is being applied this will be frozen.

We will be contacting you again within 28 days to advise of the situation.
If solutions finance card respond to us within that time period we will contact you immediately to resolve this matter .

Your pateicence is appreciated.

[vint1954]

Re: spent2much UE diary

Your pateicence is appreciated

Indeed as they should respond within 12 days!

See what they send next. At least it's on hold.

[Spent2much]

Re: spent2much UE diary

Your pateicence is appreciated

Indeed as they should respond within 12 days!

See what they send next. At least it's on hold.

it did make me chuckle, considering they have already admitted that they can't locate the original cca and admitted the account us unenforceable

[vint1954]

Re: spent2much UE diary

You will win in the end.

[Spent2much]

Re: spent2much UE diary

You will win in the end.

yes i believe i will , they don't seem to know what they are doing do they ?
so happy i have all you lot on here to help me i wouldn't be able to do it without you all

[Spent2much]

Re: spent2much UE diary

e: spent2much UE diary Originally Posted by Spent2much
Originally Posted by Spent2much
Type of account (simplybe )mine

Date commenced (2003)

Approx balance (£1,124)

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 (simply be) now with jd williams
27/7/2012 received cca from simply be sent it to niddy to look at

niddy says

do i just wait and see what they do next also .
Thanks Quote:
Originally Posted by Spent2much
30/08/2012
received payment reminder.
letter says

you agreed to this arrangement through payplan on the understanding that the amount is what you can afford and that regualr payments would be made. You must contact payplan to pay the minimum payment due .

To prevent incurring additional charges you can make a payment directly blah blah .

Please note that in accordance with our clients trading terms an administration charge will be made for each missed payment reminder .


06/09/2012
serious arrears letter

According to our records you have failed to maintain the agreed payment arrangement with payplan limited. This situation has left us with no alternative but to consider our next steps, which might extend to taking legal action. We should also reserve our right to seek costs and interest.
Before we take any action, may we remind you that, we are prepared to negotiate with you and reach a mutally agreeable solution. However, in order for us to do this you or the organistion representing need to contact us to agree an amount you can afford.
Please arrange to call us on 0844******* within the next 48 hours to prevent any further escalation and agree a suitable repayment.

update 11/09/2012

I just received this little beauty in the post ..
We thank you for your letter dated 13th August 2012, which we received on 17th august 2012

We have noted your assertion that you did not sign the credit agreement in respect of the above account.

In the absence of any valid dispute over the components that make up the balance of your account we consider your assertion that you have no legal liability for payment to be based purley on the fact that you claim that the relevant credit agreement has not been signed. As we are currently unable to take immediate steps to legally enforce this agreement agaisnt you through the courts.

On that basis, and that basis alone, we are willing to cease current collection activity. However , we would make it absolutely clear to you that the fact of your non payment in respect of an undisputed balance will be reported to a licensed credit reference ageny who will record it for a period of 6 years. This could make it difficult for you to obtain credit int he future as these records may be consulted by any financial organisations which you apply for credit in he future.

We have now placed a hold on this account for a period of 28 days, given the serious consequences of non-payment we request you confirm your intentions to future payments in writing or the account will be removed from hold and collections activity will recommence .

I'm a bit scared about the last paragraph

what next guys ?

[SXGuy]

Re: spent2much UE diary

ignore it, they are trying to get you to admit the debt, i.e remove the statue barred clock.

Because as they have stated, they have stopped collection due to knowing its unenforceable in court, and as such, they cant make you pay.

[Spent2much]

Re: spent2much UE diary

ignore it, they are trying to get you to admit the debt, i.e remove the statue barred clock.

Because as they have stated, they have stopped collection due to knowing its unenforceable in court, and as such, they cant make you pay.

thank you i will ignore it

[Spent2much]

Re: spent2much UE diary

Uhmmm...
Just sit tight and let the clock tick...

they contradicted themselves a bit didn't they ?

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)husband's

Date commenced (2003)

Approx balance (£467

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 (Capitol one)

received 13/09/2012

I am writing to inform you that we have instructed Fredrickson International Litd to act on our behalf to arrange repayment of your Cap One account.

Fredrickson International Ltd will be able to help you find the right solution to repay your outstanding balance.

Fredrickson Internationl Ltd will be in contact with you shortly , however you can contact them anytime to discuss your account:

All contact and payments regarding your accout should no be with Fredrickson International Litd, If you have an existing standing order or direct debit you will need to cancel it and arrange payments with Fredrickson Internation Ltd.

[Spent2much]

Re: spent2much UE diary

Quote:
Originally Posted by Spent2much
Type of account (credit card)mine

Date commenced (2003)maybe even before cannot remmeber

Approx balance (£8,530)

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 (Lloydstsb)


Type of account (credit card)mine

Date commenced (2003)maybe even before cannot remmeber

Approx balance (£8,530)

Date last paid (22 June 2012)Please send another cheque/postal order, made payable to Lloyds TSB (a/c HPES

Are you on arrangement or not paying (was on dmp now stopped paying)

Status (default/cca being sent )

Account owner (Lloydstsb)

received this from ltsb today 16/08/2012

Dear spent2much,

You recently sent us a payment for £1.00. Unfortunatley we are unable to accept this paymnt as:

- You have asked us pay into a product we do not manage

Please send another cheque/PO , made payable to LLoyds TSB (a/c HPES ) and quoting the loan agreement number, if you still wish to pay this money into your loan .

This isn't a loan it is a credit card , what are these muppets on about ?

anyone

received 13/09/2012

statement and balance .

If you do not pay off the full amount outstanding, we will allocate your payments to the outstanding balance in a specific order, which is set out below. The way in which payments are allocated can make a significant difference to the amount of interest you will pay until the balance is cleared completley.

Allocation of payments.
Since no interest or charges are being applied to your account, your payment will be used to pay off your aoutstanding balance.

Dispute resolution

If you have a problem with your agreement, please try and settle it with us in the first instance. If you are not happy with the way in which we handled your complaint or the result, you may be able to complain to the Ombudsman. We will provide details of how to contact the Ombudsman.

[Spent2much]

Re: spent2much UE diary

Sounds like total tosh! If you are not paying, what are they on about with allocation of payments?

Did you ever receive a response to your CCA request?

never received anything only a letter saying they can't pay the£1 i sent for the CCA request into the loan account.