spent2much UE diary

[vint1954]

Re: spent2much UE diary

update

Ignore until they send something more concrete

[Spent2much]

Re: spent2much UE diary

Ignore until they send something more concrete

will do and thank you

[Spent2much]

Re: spent2much UE diary

Type of account (store card ) Argos
mine
Date commenced (2004)

Approx balance (£880)

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 (moorcroft)

letter recieved today, all collection activity on this account has been put on hold and they will not seek to enforce payment of this debt until such time as the documentation has been supplied or i am advised otherwise .

I decided to scan the letter from Moorcroft to see if you all think this is the normal reply from them .

received 8/11/2012

8 pages of a reconstituted

It's just about Argos card and tells me about statements and financial and related details

example : 8 we will set the credit limit for your account and tell you what it is when we send you your Argos card.

_______________________

shall i copy the first page and send it to Niddy to make sure ?

sent missing pt's 14/11/2012

[Spent2much]

Re: spent2much UE diary

Type of account (store card ) Argos
mine
Date commenced (2004)

Approx balance (£880)

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 (moorcroft)

letter recieved today, all collection activity on this account has been put on hold and they will not seek to enforce payment of this debt until such time as the documentation has been supplied or i am advised otherwise .

I decided to scan the letter from Moorcroft to see if you all think this is the normal reply from them .

received 8/11/2012

8 pages of a reconstituted

It's just about Argos card and tells me about statements and financial and related details

example : 8 we will set the credit limit for your account and tell you what it is when we send you your Argos card.

_______________________

shall i copy the first page and send it to Niddy to make sure ?

sent missing pt's 14/11/2012

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft)

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)

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

23/11/2012

BLS

Repayment plan arrears £***

We have tried several times to contact you regarding the arrears on the above account.

Unless the outstanding arrears amount reaches us within 10 days from the date of this letter your replayment plan will be cancelled and the full balance of £525 will be due. You can make a payment today by calling us on the above telephone number.

Failure to contact us may result in:-

1) Your account being passed to our legal department and court proceedings raised against you.
Or
2) Your account being passed to one of our local door -to-door collections agents who may call at your address to discuss the outstanding debt.

If you are experiencing financial difficulties we would suggest you contact a DMC such as CAB blah blah blah blah

update

[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 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

23/11/2012

BLS

Repayment plan arrears £***

We have tried several times to contact you regarding the arrears on the above account.

Unless the outstanding arrears amount reaches us within 10 days from the date of this letter your replayment plan will be cancelled and the full balance of £246.26 will be due. You can make a payment today by calling us on the above telephone number.

Failure to contact us may result in:-

1) Your account being passed to our legal department and court proceedings raised against you.
Or
2) Your account being passed to one of our local door -to-door collections agents who may call at your address to discuss the outstanding debt.

If you are experiencing financial difficulties we would suggest you contact a DMC such as CAB blah blah blah blah

update

[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


23/11/2012

BLS

Repayment plan arrears £***

We have tried several times to contact you regarding the arrears on the above account.

Unless the outstanding arrears amount reaches us within 10 days from the date of this letter your replayment plan will be cancelled and the full balance of £248.46 will be due. You can make a payment today by calling us on the above telephone number.

Failure to contact us may result in:-

1) Your account being passed to our legal department and court proceedings raised against you.
Or
2) Your account being passed to one of our local door -to-door collections agents who may call at your address to discuss the outstanding debt.

If you are experiencing financial difficulties we would suggest you contact a DMC such as CAB blah blah blah blah

update

[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

23/11/2012

BLS

Repayment plan arrears £***

We have tried several times to contact you regarding the arrears on the above account.

Unless the outstanding arrears amount reaches us within 10 days from the date of this letter your replayment plan will be cancelled and the full balance of £935.06 will be due. You can make a payment today by calling us on the above telephone number.

Failure to contact us may result in:-

1) Your account being passed to our legal department and court proceedings raised against you.
Or
2) Your account being passed to one of our local door -to-door collections agents who may call at your address to discuss the outstanding debt.

If you are experiencing financial difficulties we would suggest you contact a DMC such as CAB blah blah blah blah

update

[ScabHunter]

Re: spent2much UE diary

Are they still in default of your CCA request?

If so, and they are making soft threats such as "may" do this and "may" do that, I would just send them this -

Our Templates | Unenforceability Templates | CCA Reminder - Unenforceability Threat

SH

[Spent2much]

Re: spent2much UE diary

Are they still in default of your CCA request?

If so, and they are making soft threats such as "may" do this and "may" do that, I would just send them this -

Our Templates | Unenforceability Templates | CCA Reminder - Unenforceability Threat

SH

yep none of them have even aknowledged my CCA request.
I just got off the phone with payplan as payment is not showing up on payplanplus, i am paying the 3 remaining accounts through payplan as it's easier right now as i take care of my parents and also help hubby run the business. But the guy on the phone told me that when i sned of CCA requests creditors still need paying, I told him they are not getting any money as they haven't complied with my request as yet and this is my legal right to ask them .

Payplan are all for the creditors though so they want them being paid

[ScabHunter]

Re: spent2much UE diary

This is one of the main reasons why it is obvious that they are just bog standard templates. They are telling you that if you have financial difficulties, you should contact a DMP, when you are already in one. They can't even be bothered to use different templates for people in different situations.

It will be much better when you can get away from PayPlan, although I understand your reasons for not doing that immediately. At least you are aware of their true nature, which greatly lessens the chances of them stabbing you in the back.

SH

[Spent2much]

Re: spent2much UE diary

This is one of the main reasons why it is obvious that they are just bog standard templates. They are telling you that if you have financial difficulties, you should contact a DMP, when you are already in one. They can't even be bothered to use different templates for people in different situations.

It will be much better when you can get away from PayPlan, although I understand your reasons for not doing that immediately. At least you are aware of their true nature, which greatly lessens the chances of them stabbing you in the back.

SH

It's true and i do want rid of them just at the moment too much on my plate.

Just said to hubby its such a shame we never fully understood CCA requests four years back and fairfax would never have got that charge on the house , its such a pity but hey ho its done and we can't get away from it now .

If we can offere full and final settlements to Lewis group which is a ccj and is £704 and the orange account which is £243 i would definatley pay fairfax online and dump payplan .

[pepe2008]

Re: spent2much UE diary

That's the problem with using DMP providers like that, you can't really pick and choose who to pay and who not to pay, that's why it's better to do it yourself, although I do understand what you're saying about being busy, but as long as you are with them you'll keep having the same problems over and over again!

Payplan don't do UE so they will always tell you you need to keep paying regardless of CCA requests.

It is a time consuming process to come off a DMP but after the initial set up of your own systems it really gives you control and a greater peace of mind. Good luck with it.

btw, some of my lot still seem to think that I am still with CCCS, I dumped them at the end of 2008 !!

[Spent2much]

Re: spent2much UE diary

That's the problem with using DMP providers like that, you can't really pick and choose who to pay and who not to pay, that's why it's better to do it yourself, although I do understand what you're saying about being busy, but as long as you are with them you'll keep having the same problems over and over again!

Payplan don't do UE so they will always tell you you need to keep paying regardless of CCA requests.

It's true and it really p*****ed me off today that guy telling me i have no right to put the accounts on hold, i answered him by saying 'yes they are on hold i have letters from the creditors' he soon shut up.

I could easily do my own plan but our income and expenditure is up and down at the moment and i only pay the basics each month there are no luxuries , so when it came to sending a review to the creditors i wouldn't know how to go about it .

[cymruambyth]

Re: spent2much UE diary

If you go to the resources centre there are links to calculations that help with an i & e form.