spent2much UE diary

[vint1954]

Re: spent2much UE diary

Niddy said if they added the charges to the loan then they should have different set of terms and conditions which there is not .

Thats fine then. Missing prescribed terms.

[Spent2much]

Re: spent2much UE diary

Type of account (loan in joint names)

Date commenced (2004)

Approx balance.( £1,957

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status ( cca being sent, but sent them a sar request in 2008 and they never complied but we believe they took the £10 paid which was meant for the sar off the balance instead )

Account owner (citifinancial ) now with 1st credit

received today 24/09/2012

Legal proceedings being considered

We regret the sum detailed remains outstanding. We are considering issuing County Court proceedings against and any claim will include a claim for legal costs and interest.

If we obtain a judgement against you and it remains unpaid for 30 days it will be entered int he Register of Judgments, Orders and Fines, making i difficult to obtain credit at competitive rates .

Susequent failure to make payment of the judgement could result in enforcement action .

* an application to your employer for an attachment of earnings.
*an application for seizure of our assets by county court bailiff.
*an application for a charging order against your property (if owned by you)

we have not received anything in the form of a cca to the request sent in July so what should we do now please

received today 01/10/2012

pay within 7days YOU PAY 70% DISCOUNT OF 30%

niddy said to resend the cca request again, shall i add to the template that i sent this request on the 9/07/2012 with a £1.00 postal order ? shall simply just addd that bit in the letter ?

update

11/10/2012 sent copy of cca request and cover letter saying they
haven't responded yet .

update

13/10/2012
you pay 70% discount of 30%

19/10/2012
received a cca have sent it to niddy waiting for his response

20/10/2012 annual statement from 1st credit .
received 27/10/2012

DEBT HELP SERVICES-A SPECIALIST COLLECTIONS UNIT OF 1ST CREDIT LTD

We are aware that you have never responded to any of 1st credit's letters in relation to the above overdue account or we have not heard from you for a while.

The case has now been passed over to us and we wish to take this opportunity to engage in comminucation with you in relation to understanding your wishes for repayment of the debt.

Debt Help services are here to assist you in agreeing a mutual acceptable arrangement to clear this debt.

Please contact us on 0000000000 If you are not in a position to call then please follow the instructions om the back of the letter or fill in the below form and we will contact you back where necesary.

Alternatively you could consider contacting Payplan or CCCS who will assist you with your finances for free and contact us for you. If you choose to contact Payplan or the CCCS then please fill in below form and send back with pre paid envelope provided .

head of collections

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)husband's

Date commenced (2005) i put 2005 but they may be before this also

Approx balance.( £1,284.70

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status ( cca being sent )

Account owner (1st credit ) original creditor citi financial.

received today 06/10/2012

Another threat considering court proceedings.

do I resend the cca request on Monday , i won't include another £1 as they still have that from July

update

11/10/2012 sent copy of cca and cover letter reminding them they haven't replied yet .

[The Tech Clerk]

Re: spent2much UE diary

Type of account (loan in joint names)

Date commenced (2004)

Approx balance.( £1,957

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status ( cca being sent, but sent them a sar request in 2008 and they never complied but we believe they took the £10 paid which was meant for the sar off the balance instead )

Account owner (citifinancial ) now with 1st credit

received today 24/09/2012

Legal proceedings being considered

We regret the sum detailed remains outstanding. We are considering issuing County Court proceedings against and any claim will include a claim for legal costs and interest.

If we obtain a judgement against you and it remains unpaid for 30 days it will be entered int he Register of Judgments, Orders and Fines, making i difficult to obtain credit at competitive rates .

Susequent failure to make payment of the judgement could result in enforcement action .

* an application to your employer for an attachment of earnings.
*an application for seizure of our assets by county court bailiff.
*an application for a charging order against your property (if owned by you)

we have not received anything in the form of a cca to the request sent in July so what should we do now please

received today 01/10/2012

pay within 7days YOU PAY 70% DISCOUNT OF 30%

niddy said to resend the cca request again, shall i add to the template that i sent this request on the 9/07/2012 with a £1.00 postal order ? shall simply just addd that bit in the letter ?

update

11/10/2012 sent copy od cca request and cover letter saying they
haven't responded yet .

update

Wonder which company letter for hire @ 75p they got that from, it has been around yonks??

[Spent2much]

Re: spent2much UE diary

Type of account (loan in joint names)

Date commenced (2004)

Approx balance.( £1,957

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status ( cca being sent, but sent them a sar request in 2008 and they never complied but we believe they took the £10 paid which was meant for the sar off the balance instead )

Account owner (citifinancial ) now with 1st credit

received today 24/09/2012

Legal proceedings being considered

We regret the sum detailed remains outstanding. We are considering issuing County Court proceedings against and any claim will include a claim for legal costs and interest.

If we obtain a judgement against you and it remains unpaid for 30 days it will be entered int he Register of Judgments, Orders and Fines, making i difficult to obtain credit at competitive rates .

Susequent failure to make payment of the judgement could result in enforcement action .

* an application to your employer for an attachment of earnings.
*an application for seizure of our assets by county court bailiff.
*an application for a charging order against your property (if owned by you)

we have not received anything in the form of a cca to the request sent in July so what should we do now please

received today 01/10/2012

pay within 7days YOU PAY 70% DISCOUNT OF 30%

niddy said to resend the cca request again, shall i add to the template that i sent this request on the 9/07/2012 with a £1.00 postal order ? shall simply just addd that bit in the letter ?

update

11/10/2012 sent copy of cca request and cover letter saying they
haven't responded yet .

11/10/2012 received today

WE MATCH WHAT YOU PAY

You have been selected for this months offer .

Any payment you make in Oct-12 will be matched by 1st credit and deducted from your balance.

For example, if you pay £100 we will reduce your balance further.

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)husband's

Date commenced (2005) i put 2005 but they may be before this also

Approx balance.( £1,284.70

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status ( cca being sent )

Account owner (1st credit ) original creditor citi financial.

received today 06/10/2012

Another threat considering court proceedings.

do I resend the cca request on Monday , i won't include another £1 as they still have that from July

update

11/10/2012 sent copy of cca and cover letter reminding them they haven't replied yet .




11/10/2012 received today

WE MATCH WHAT YOU PAY

You have been selected for this months offer .

Any payment you make in Oct-12 will be matched by 1st credit and deducted from your balance.

For example, if you pay £100 we will reduce your balance further.[/QUOTE]

update

[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.

11/10/2012
from capquest

Following our previous correspondence, we are still endeavouring to obtain the required information from solutions finance card regarding your account query.

We are discussing your case with solutions finance card personally and we hope to resolve this matter very soon.

[Spent2much]

Re: spent2much UE diary

I'm sure you can wait another 6 years for them to resolve it...

I am sure i can

[The Tech Clerk]

Re: spent2much UE diary

update

11/10/2012 sent copy of cca and cover letter reminding them they haven't replied yet .




11/10/2012 received today

WE MATCH WHAT YOU PAY

You have been selected for this months offer .

Any payment you make in Oct-12 will be matched by 1st credit and deducted from your balance.

For example, if you pay £100 we will reduce your balance further.

update

How many times do we see type of letters, bought say for £250.00, the alledged debt say £10,250 you pay £100.00 we pay £100.00 = £200.00 each time, wow we make £5,000 profit, sort of.

[Spent2much]

Re: spent2much UE diary

How many times do we see type of letters, bought say for £250.00, the alledged debt say £10,250 you pay £100.00 we pay £100.00 = £200.00 each time, wow we make £5,000 profit, sort of.

If people are daft enough to pay then yes, but we woke up in July and decided enough is enough we are fighting against these moron dca

[Spent2much]

Re: spent2much UE diary

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.

received today 21/09/2012

Dear ******

DO NOT IGNORE
IMMEDIATE PAYMENT REQUIRED

We have been instructed by Capitol Onc (Europe)plc who have passed this account to us for collection of the outstanding balance. As we have been appointed as their agent you should now make sure you contact us and not Capitol One. We are authorised to contact you to secure replayment of the debt.

You have failed to pay the balance of £***.** which remains outstanding despite previous requests for payment.
(No attempts have been made so this is a lie )
Our client now requires payment in full to avoid further action.

YOU MUST CONTACT US IMMEDIATLEY ON 0845 ***** to discuss the matter further .


what now guys please

received today 09/10/2012

from Fredrickson International Limited.

They have referred the matter to their client and will revert to me as as they are in receipt of instructions.

In the meantime, w confrim that we have placed the account on hold.

10/10/2012 received letter saying they have been told by their client that they complied with the CCA request 16th July 2012 (NO THEY HAVE NOT SENT A THING)

received today 12/10/2012

LETTER BEFORE ACTION

THIS DEBT MUST BE PAID IN FULL TO THESE OFFICES WITHIN THE NEXT 7 DAYS OTHERWISE WE WILL TAKE IMMEDIATE ACTION.

There remains a balance outstanding on this account and legal action is being considered. Should it be necessary to issue proceedings in the County Court (or the Sheriff Court as may be appropriate), further additional costs will be added to the balance blah blah blah

update - what happened to this account is on hold until they find the CCA ?

[Spent2much]

Re: spent2much UE diary

• Type of account (overdraft with lloydstsb) mine
• Date commenced (2005)
• Approx balance.( £644.67
• Date last paid (22/06/2012)
• Are you on arrangement or not paying (stopping dmp )
• Status (default/letter recieved today, )
• Account owner (iQor on behalf of their client )

received yesterday 19/09/2012


Further to your recent request under the Consumer Credit Act 1974, sec 77/78 for a copy of your original credit agreement we note that we have not received a fee of £1.00 from you which is required under the Act and for that reason we have not progressed your request any further.


Should you wish to continue with this request, please forward us the prescribed fee of £1.00 and your request in writing.

received today

As we haven't been able to agree a suitable repayment plan , we've transferred your LTSB CURRENT ACCOUNT to a Debt Collection Agency, Robinson Way.
We've instructed Robinson Way to arrange collection of the outstanding amount.

Please contact Robinson Way as soon as possible to arrange to pay back the outstanding blaance .Their full contact details are below, and they can be contacted blah blah blah

RECEIVED 12/10/2012

APPOINTMENT FOR HOME VISIT

Your debt is still unpaid in spite of previous letters, and calls. Before Court Action is considered we may arrange for a local collector to call at your address, to agree an affordable payment plan with you.

YOUR ACCOUNT MAY BE SENT TO OUR LOCAL COLLECTOR IN 10 DAYS TIME

Call us if you would prefer to agree an affordable payment plan with this office, or if you want to agree an appointment for collector to visit.

If you prefer not to talk to us, you can deal with this online at our webiste



update

[ScabHunter]

Re: spent2much UE diary

THIS DEBT MUST BE PAID IN FULL TO THESE OFFICES WITHIN THE NEXT 7 DAYS OTHERWISE WE WILL TAKE IMMEDIATE ACTION.

Action? What action? Removing your trousers is taking action. So is what you do afterwards.

Should it be necessary to issue proceedings in the County Court (or the Sheriff Court as may be appropriate)

So they don't even know whether you are in England or Scotland? Did they have Santa Claus deliver the letter through your chimney?

update - what happened to this account is on hold until they find the CCA ?

As the threat machine doesn't have a memory, it will have fallen on stony ground. The situation does, however, provide you with irrefutable evidence of their unreasonableness should this ever become necessary.

If it is any consolation, I have seen that exact template many times before. It has no more meaning than random words plucked from a dictionary, and is considerably less eloquent.

However, as it is headed “Letter Before Action”, it will require a response referring them back to the ongoing default of s. 78, and to the fact that they are unable to enforce while the default ensues.

SH

[ScabHunter]

Re: spent2much UE diary

RECEIVED 12/10/2012

APPOINTMENT FOR HOME VISIT

Your debt is still unpaid in spite of previous letters, and calls. Before Court Action is considered we may arrange for a local collector to call at your address, to agree an affordable payment plan with you.

YOUR ACCOUNT MAY BE SENT TO OUR LOCAL COLLECTOR IN 10 DAYS TIME

Call us if you would prefer to agree an affordable payment plan with this office, or if you want to agree an appointment for collector to visit.

If you prefer not to talk to us, you can deal with this online at our webiste

Hmmm. Seems they are as fond of my favourite month of the year as I am.

Either respond with threat of doorstep visit template or ignore, entirely your choice.

SH

[Never-In-Doubt]

Re: spent2much UE diary

Such as this --- > Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

That's what I'd be sending