spent2much UE diary

[Spent2much]

Re: spent2much UE diary

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

Sending this tomorrow

[Spent2much]

Re: spent2much UE diary

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

sending this tomorrow

[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 today 1/010/2012

ROBINSON WAY LIMITED DEBT COLLECTORS

IMPORTANT DO NOT IGNORE

Our client has authoriesed us to recover the full amount you owe, shown above.
PLEASE PAY THE FULL AMOUNT YOU OWE WITHOUT DELEY. If you cannot pay in full call us dierectly to agree an affordable payment plan.

If you do not pay or agree to a payment plan with us, we may advise our client to start court action. If a court considers your failure tp pay to be due to neglect, an order for payment may be made. If you fail to pay in accordance with a court payment order the following may accur:

*An application is made to court to enforce repayment
*Future credit, especailly mortgages, will be difficult to obtain
*This account may continue to be a worry for you

Unpaid debts don't just go away or get forgotten no matter how much people want that to happen. Call now to pay or agree bla bla bla


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



received 29/10/2012

We refer to your recent request not to be contacted by telephone in respect of the above account.

We can confirm that your telephone number has been removed from your account in our file. You remain fully liable for payment of the balance owing and any further action may still be taken to recover the sum due.

If you have not provided us with your repayment proposals, please contact us within the next 14 days.

update

24/11/2012

from HORWICH FARRELLY

Dear spent2much,

creditor LLOYDSTSB BANK

account number ******

We have been instructed by the above in relation to your outstanding debt.
Court action may be taken against you unless you take steps to resove the matter quckly. At this stage you can avoid court proceedings by taking the following action within the next 10 days.

Either :-
a) make full payment,or
b) Pay what you cn now and agree an affordable payment arrangement.

Your payment and any proposals should be made to our client's Robinson Way. You can telephone them on *************** or to seek help and advise.

Remember, Court action may increase the amount you owe, by the addition of court fees, cost and interest. Please see overleaf for payment options blah blah

[ScabHunter]

Re: spent2much UE diary

That is a nice wimpy response, and a good result for now.

There's just one thing which is not clear from reading what you've put here – did the argument about the fee for the CCA request ever get resolved? I take it you sent them £1 in the usual way and they are just being difficult and unreasonable?

I just don't want this to come back and bite you later if they start alleging that no valid request was ever made.

SH

[Spent2much]

Re: spent2much UE diary

That is a nice wimpy response, and a good result for now.

There's just one thing which is not clear from reading what you've put here – did the argument about the fee for the CCA request ever get resolved? I take it you sent them £1 in the usual way and they are just being difficult and unreasonable?

I just don't want this to come back and bite you later if they start alleging that no valid request was ever made.

SH

Yes sent them the £1 po on the 20/9/2012 , it was sent to LloydsTsb as they requested

[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

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

update

[SaltnVinegar]

Re: spent2much UE diary

Wouldn't worry about it too much. Its either:

1) Citi being completely incompetent

2) Citi trying to get their house in order from a compliance perspective but doing it 4 years late (see point 1)

3) Citi not recording that they had already assigned the debt to 1st Credit for collection (see point 2 and then point 1!)

[Spent2much]

Re: spent2much UE diary

Wouldn't worry about it too much. Its either:

1) Citi being completely incompetent

2) Citi trying to get their house in order from a compliance perspective but doing it 4 years late (see point 1)

3) Citi not recording that they had already assigned the debt to 1st Credit for collection (see point 2 and then point 1!)

ha ha love it thanks

[SaltnVinegar]

Re: spent2much UE diary

ha ha love it thanks

[Bricktop]

Re: spent2much UE diary

What a nice letter from1st credits 'Debt Help Services', no mention of litigation, doorstep visits and the like.

I especially like this bit... and we wish to take this opportunity to engage in communication with you in relation to understanding your wishes for repayment of the debt.

I bet they do, and I also bet you don't

[Spent2much]

Re: spent2much UE diary

What a nice letter from1st credits 'Debt Help Services', no mention of litigation, doorstep visits and the like.

I especially like this bit... and we wish to take this opportunity to engage in communication with you in relation to understanding your wishes for repayment of the debt.

I bet they do, and I also bet you don't

[The Tech Clerk]

Re: spent2much UE diary

Can you stop laughing, I cannot get a laugh in edge ways lol

[Spent2much]

Re: spent2much UE diary

Can you stop laughing, I cannot get a laugh in edge ways lol

they can't find their arses with both hands

[Spent2much]

Re: spent2much UE diary

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.

letter received today 18/09/2012

Your payments are in arrears and a payment of £*** is required.

You are reminded that in order to avoid further action, payments must be made on the due date previously agreed under the instalment plan.

If you are unable to make these payments , please complete and return the questionaire overleaf within ten days to enable us to assess your situation.

IF YOU HAVE MADE PAYMENT WITHIN THE LAST 7 WORKING DAYS. PLEASE IGNORE THIS LETTER.

so what should i do now, they have not attempted to send me the cca which i requested , but they sent the £1 back last month and said they cannot pay into this account as they don't have the facility to do so, i sent another letter and wrote on the cheque 'for cca purpose only ' back to them and they have ignored it so it seem



received today 20/09/2012

Dear Mrs, ***

IMPORTANT INFORMATION-WE'RE MAKING A CHANGE TO YOUR CREDIT CARD AGREEMENT WITH US.

from 1st November2012 we're changing your credit card agreement with us and adding a new condition to your existing terms and conditions.

It's important we tell you about this change as your credit card account is currently in default and there's still a balance owing-although you have a repayment plan in place with us to reduce this.

We've included the condition below for you to read.

NEW CONDITION - 15.8

If we owe you any money in connection with any transactions, interest or charges on your account we may use that money to reduce any arrears you owe under this agreement. If we intend to do this we will tell you when we offer to make a payment to you. We shall also follow any relevant guidance in a Code of Practice that applies to us, or as requied by our regulator or another similar body.

There;s no need for you to do anything else, but if you would like more information on this change, you can call us on 0845 603 5493

cca reminder sent 24/09/2012


received today 1/10/2012

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

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

Please send another cheque/postal order, made payable to Lloyds TSB (a/c HPES and quoting the loan agreement number, If you wish to pay this money into your loan.

If you have any queries about hsi please call me . My number is at top of this letter.

They have returned the postal order once again and my letters requesting the CCA for credit card which they think is a loan .

received today 04/10/2012

they have sent what they say is a cca , i have sent it to niddy to look at


what do i send to Tsb then please and thank you

04/11/2012
I have just looked on payplanplus as i am dumping them , but wanted to copy and paste all the info they have on our accounts and i noticed that this account is showing it is now in the hands of Cabot Financial (Europe) Ltd. I haven't had a letter saying they had assigned this account to them and it is also set as (priority) now i hope they haven't got a ccj without me being informed ?

update

[vint1954]

Re: spent2much UE diary

They would have to sevre you papers at your last address for a money order. So long as you have nort moved recently without telling them, there should not be a CCJ.

Just keep your eye on 1st Credit. It may be a mistatke, or could be getting their ducks in a row. Wait to see if 1st contact you again.