spent2much UE diary

[Spent2much]

Re: spent2much UE diary

in that case, I'd probably just send a one liner referring them to your previous letter and a copy of it.

thank you flowerpower

[Never-In-Doubt]

Re: spent2much UE diary

in that case, I'd probably just send a one liner referring them to your previous letter and a copy of it.

Yes I agree

[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 .

22/10/2012 Received a post card much like a voting card today with the following on it .

CONFIRMED RESIDENT

capital One (Europe) plc

This account is seriously in arrears and you have failed to reply to correspondence or make a payment arrangement despite trace enquiries showing you as living at this address.
Contact us now on0845 8396196 to arrange a payment or your account will passed to solicitors with authorisation to proceed with immediate litigation procedeeings against you at the above address .

FREDRICSON INTERNATION LTD



received 25/10/2012

We refer to your recent communication.

Please note that we are no longer instructed in connection with this matter and have returned the account to our client.

yours sincerely

fredrickson International Ltd.

update

[The Tech Clerk]

Re: spent2much UE diary

update

Nice one.

[ScabHunter]

Re: spent2much UE diary

From 22/10/12 -

"your account will passed to solicitors with authorisation to proceed with immediate litigation procedeeings"

From 25/10/12

"have returned the account to our client"

Isn't that rather a dramatic change for a three day period? Does it not suggest that the original threat might have been nothing more than hot air?

On to the next gang of thugs and liars, who should now become increasingly incompetent.

SH

[Spent2much]

Re: spent2much UE diary

From 22/10/12 -

"your account will passed to solicitors with authorisation to proceed with immediate litigation procedeeings"

From 25/10/12

"have returned the account to our client"

Isn't that rather a dramatic change for a three day period? Does it not suggest that the original threat might have been nothing more than hot air?

On to the next gang of thugs and liars, who should now become increasingly incompetent.

SH

i'm glad i never wasted £1.45 on delivery sending a reminder letter to their threatogram , i was going to send it today as was ill yesterday , now i will wait and see what happens nxt

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft)joint

Date commenced (2003)

Approx balance (£935)

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 (HBOS)

received today 26/10/2012


Repayment Plan Arrears £***

We are contacting you about the above account as the repayment plan you agreed is still overdue.

We have previously reminded you about the money you owe and you must pay the amount outstanding straight away. You can do this by calling the number above .
If you do not pay the outstanding amount to bring your account back on track withing 10 days from the date of this letter your account will fall further into arrears, This could result in your repayment plan being cancelled and the full balance of £*** will be due.

If you are exprincing financial difficulties we would suggest you contact a Debt Management Company company such as CAB or cccs . They are fee organisations who will assist you by offering independant advice on your situation.

update

14/11/2012

It is essential that ou telephone BLS Collections on 0845 600 3238 TODAY

yours sincerely

BLS Collections Departemtn

PLEASE ENSURE REGULAR PAYMENTS ARE MAINTAINED TO AVOID FURTHER ACTION BEING TAKEN

PLEASE NOTE THAT OUR TELEPHONE LINES ARE OPEN MONDAY TO FIRDAY 8am to 7.30pm and SATURDAYS 8am to 4pm

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft)mine

Date commenced (2003)

Approx balance (£248)

Date last paid (22 June 2012)

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

Status (default/cca being sent )

Account owner (HBOS)

received today 26/10/2012

Repayment Plan Arrears £***

We are contacting you about the above account as the repayment plan you agreed is still overdue.

We have previously reminded you about the money you owe and you must pay the amount outstanding straight away. You can do this by calling the number above .
If you do not pay the outstanding amount to bring your account back on track withing 10 days from the date of this letter your account will fall further into arrears, This could result in your repayment plan being cancelled and the full balance of £*** will be due.

If you are exprincing financial difficulties we would suggest you contact a Debt Management Company company such as CAB or cccs . They are fee organisations who will assist you by offering independant advice on your situation.

update



14/11/2012

It is essential that ou telephone BLS Collections on 0845 600 3238 TODAY

yours sincerely

BLS Collections Departemtn

PLEASE ENSURE REGULAR PAYMENTS ARE MAINTAINED TO AVOID FURTHER ACTION BEING TAKEN

PLEASE NOTE THAT OUR TELEPHONE LINES ARE OPEN MONDAY TO FIRDAY 8am to 7.30pm and SATURDAYS 8am to 4pm

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft)mine

Date commenced (2003)

Approx balance (£246)

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 (HBOS)

received today 26/10/2012


Repayment Plan Arrears £***

We are contacting you about the above account as the repayment plan you agreed is still overdue.

We have previously reminded you about the money you owe and you must pay the amount outstanding straight away. You can do this by calling the number above .
If you do not pay the outstanding amount to bring your account back on track withing 10 days from the date of this letter your account will fall further into arrears, This could result in your repayment plan being cancelled and the full balance of £*** will be due.

If you are exprincing financial difficulties we would suggest you contact a Debt Management Company company such as CAB or cccs . They are fee organisations who will assist you by offering independant advice on your situation.

update



14/11/2012

It is essential that ou telephone BLS Collections on 0845 600 3238 TODAY

yours sincerely

BLS Collections Departemtn

PLEASE ENSURE REGULAR PAYMENTS ARE MAINTAINED TO AVOID FURTHER ACTION BEING TAKEN

PLEASE NOTE THAT OUR TELEPHONE LINES ARE OPEN MONDAY TO FIRDAY 8am to 7.30pm and SATURDAYS 8am to 4pm

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft)husband's

Date commenced (2003)

Approx balance (£525)

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 (HBOS) think it was originally with Loydstsb

received today 26/10/2012


Repayment Plan Arrears £***

We are contacting you about the above account as the repayment plan you agreed is still overdue.

We have previously reminded you about the money you owe and you must pay the amount outstanding straight away. You can do this by calling the number above .
If you do not pay the outstanding amount to bring your account back on track withing 10 days from the date of this letter your account will fall further into arrears, This could result in your repayment plan being cancelled and the full balance of £*** will be due.

If you are exprincing financial difficulties we would suggest you contact a Debt Management Company company such as CAB or cccs . They are fee organisations who will assist you by offering independant advice on your situation.

update



14/11/2012

It is essential that ou telephone BLS Collections on 0845 600 3238 TODAY

yours sincerely

BLS Collections Departemtn

PLEASE ENSURE REGULAR PAYMENTS ARE MAINTAINED TO AVOID FURTHER ACTION BEING TAKEN

PLEASE NOTE THAT OUR TELEPHONE LINES ARE OPEN MONDAY TO FIRDAY 8am to 7.30pm and SATURDAYS 8am to 4pm

[Spent2much]

Re: spent2much UE diary

Type of account (kays)
mine
Date commenced (2003)

Approx balance (£1,905)

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 (kays) now Littlewoods)
18/07/2012
recieved a cca back today , do i send the letter and the cca to niddy to look at ?



statement received today

update

i think i must have missed something off this post because niddy has already seen this and said it is ue, i can't understand where the rest of the post has gone. Sorry for confusion but the update is just a statement which i received today

[cymruambyth]

Re: spent2much UE diary

Yes, send to Niddy

[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%

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

update

this is what niddy said about the cca from 1st credit

[quoted] by Niddy ...Well that isn't a CCA, not really. It will pass mind you but the fact they've absorbed an arrangement fee within the overall agreement is naughty, now of past I would say s.18 protects you but recently Paul. stated that is not always the case, so to be frank, and with the clear lack of any PT's within the agreement I would respond to 1st with a copy of this --> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

[Spent2much]

Re: spent2much UE diary

Has Niddy got back to you regarding the above CCA?

yes he said basically it is because an arrangement fee was added to the loan .

[Spent2much]

Re: spent2much UE diary

Originally Posted by Spent2much
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

update

this is what niddy said about the cca from 1st credit

[quoted] by Niddy ...Well that isn't a CCA, not really. It will pass mind you but the fact they've absorbed an arrangement fee within the overall agreement is naughty, now of past I would say s.18 protects you but recently Paul. stated that is not always the case, so to be frank, and with the clear lack of any PT's within the agreement I would respond to 1st with a copy of this --> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

update

received today 31/10/2012

Notice of Assigment from citifiancial

Relating to account number ***********
balance Outstanding ******

We refer to your account with CITIFINANCIAL EUROPE PLC.

This letter is to inform you that, with effect from the date at the top of this letter, we have assigned your account to 1st credit finance limited

From now on you must direct all payments due under the agreement, as well as correspondence and enquiries, to 1st credit finance limited

Please contact them immediately to discuss your account.

This account was assigned to 1st credit four years ago so what the heck is going on