spent2much UE diary

[Never-In-Doubt]

Re: spent2much UE diary

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

You've been here long enough now to be able to link to the templates

Stop skiving

[Spent2much]

Re: spent2much UE diary

That's what I'd be sending

Is the template also for OD as this account is a Lloyds TSB overdraft ? thank you

[Never-In-Doubt]

Re: spent2much UE diary

Is the template also for OD as this account is a Lloyds TSB overdraft ? thank you

ermmm, no it isn't!

hang on, I'll make it suitable for you! gimme 5

[Spent2much]

Re: spent2much UE diary

ermmm, no it isn't!

hang on, I'll make it suitable for you! gimme 5

thank you niddy

[Never-In-Doubt]

Re: spent2much UE diary

Is the template also for OD as this account is a Lloyds TSB overdraft ? thank you

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.

Hiya

No it's for a credit card hence that template is suffice to send as it is....

It's this one here ---> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

The overdraft was a simple doorstep collection threat, which entails this response ---> Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit

[Never-In-Doubt]

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 ?

This requires the following response ---> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

[Never-In-Doubt]

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



update

This requires the following response ---> Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit

[Spent2much]

Re: spent2much UE diary

This requires the following response ---> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Hi Niddy, this account has not been passed to a dca and is only being dealt with Fredrickson International Limited, shall i put Fredrickson as the dca in the template or miss that part out ? thank you

[ScabHunter]

Re: spent2much UE diary

You've been here long enough now to be able to link to the templates

What's a link? Is it explained here? -

User Guide: How to Copy and Paste a link - allaboutFORUMS

No, you're right. When I was on the other forum I had a text file with the links to all of the templates so I could just copy and paste them. I should get that done for here as well.

Stop skiving

Sorry boss, I've been spending too much time in the Bankruptcy Arms....

SH

[IF]

Re: spent2much UE diary

Sorry boss, I've been spending too much time in the Bankruptcy Arms....

SH

He has........drunk us dry over there!!

[Spent2much]

Re: spent2much UE diary

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%

update

[Spent2much]

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.

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

update

[vint1954]

Re: spent2much UE diary

update

Obviously just sit tight on this one.

[vint1954]

Re: spent2much UE diary

update

And sit tight with this one.

[Spent2much]

Re: spent2much UE diary

update

received 10.10/2012

Thank you for your recent letter the content has been noted.

We confrim our client has complied with your request for a CCA on the 16the July

If you have any furthere queries regarding the prouduction of these documents you should refer this matter to our client direct.

we have not recveived any CCA only the updates which i have posted so far .


update

received this today 16/10/2012

Thank you for writing back to me about your request for us to provid you with a true copy of your credit agreement.

We have previously provided you with a copy of your defaulted terms and conditions and a reconstituted copy of your original agreement. You were also provided with a statement of your account. Therefore, we have fully complied with the requirements of S78 of the consumer credit act.

I acknowledge your reference to section 127(3) which, in summation means that a court will not make an enforcement order unless the agreement was signed by the debtor. As confrimed by the Judgment of His Honour Judge Waksman QC in Carey v HSBC[2009]3417(Q) providing a reconstituted copy of your client's agreement. His Honour Judge Waksman also confirmed that pursuant to Regulation 3(1) of the consumer credit (cancellation notices and copies of documents)Regulations 1983 the signature box, signatre and date of signature may aslo be omitted from any copy agreement provided.

Furthermore prior to signature your clint was provided with a full copy of the trms of the origianl agreement to keep and was sent a further copy of their origianl agreement with their first crdit card.

As we have complied with our obligations under s78, we will not be entering into any further correspondence regarding the provision of copy agreements. Your agreement is enforceable and we will to treat it as such.

You advise the agreement is not enforceable. I refer you to the decisions of Mr Justice Flaux in McGuffick v HSBC[2009]EWHC 2385 (Comm)
(McGiffick') and HH Judge Waksman in Carey v-HSBC [2009]EWHC 3147 (QB) (Care).

It was clearly established in McGuffick that the following steps do not amount to enforcement.

Reporting or threatening to report information of a credit agreement to a credit reference agency;

Passing on, or threatening to pass on, personal data in respect of a credit agreement;
Demanding payment from a debtor;

issuing a default notice;
istructing a third party to demand payment or otherwise to seek to procure payment,

threatening legal action ; and
bringing legal proceedings.

THIS JUST GOES ON AN ON ABOUT THE CAREY CASE .

SO NOW WHAT, CAP ONE HAVEN'T SENT US ANY TERMS AND CONDITIONS OR STATEMENTS OR ANYTHING THAT RESEMBLES A CCA .

UPDATE