spent2much UE diary

[ScabHunter]

Re: spent2much UE diary

yes they sent the uncashed PO back , that's useless now what a waste of a quid

I'm not sure it is entirely a waste of a quid.

We need a definitive answer as to whether or not these orders are refundable. There are threads on the Coherent Advice Gone site, and on Martin's Spongiform Encephalopathy, but nothing authoritative or definitive. The Post Office just conveniently omit the most frequently asked question from their FAQ page.

In any case, the request was made when iQor were a valid equitable assignee of the alleged debt, so I would certainly be arguing that it is now in default. If the original creditor recalls the alleged debt, they will have to comply with the request without a fresh one being made.

SH

[Never-In-Doubt]

Re: spent2much UE diary

I'm not sure it is entirely a waste of a quid.

We need a definitive answer as to whether or not these orders are refundable. There are threads on the Coherent Advice Gone site, and on Martin's Spongiform Encephalopathy, but nothing authoritative or definitive. The Post Office just conveniently omit the most frequently asked question from their FAQ page.

In any case, the request was made when iQor were a valid equitable assignee of the alleged debt, so I would certainly be arguing that it is now in default. If the original creditor recalls the alleged debt, they will have to comply with the request without a fresh one being made.

SH

In order to get a refund of a Postal Order, retain the receipt and then after the minimum period you simply report it as lost. As it will not be cashed (cos you have it) they will then cancel it and refund you.... obviously at that point you destroy the postal order you have.

Simples

[SXGuy]

Re: spent2much UE diary

Dont even think you need to report it as lost. Woman at the post office told me i could simply return it with the receipt and they issue a refund, minus the PO charge though!

[Never-In-Doubt]

Re: spent2much UE diary

Dont even think you need to report it as lost. Woman at the post office told me i could simply return it with the receipt and they issue a refund, minus the PO charge though!

Report lost and you get the PO fee back too though, don't you? (You used to...!)

[SXGuy]

Re: spent2much UE diary

If you do mate, then brilliant, she failed to mention that part! In that case, lose it lol

[Spent2much]

Re: spent2much UE diary

Type of account (JJB sports mastercard)husband's

Date commenced (2004)

Approx balance (£580)

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 ( oQor)
9/7/12 cca sent
30/08/2012 threatogram doorstep visit

03/09/2012 sent doorstep threatogram letter

12/11/2012

from WMD

Our client account number ***********
client name Sygma Bank UK

The account you held with Sygma bank uk has been passed to west midlands debt collection limited for recovery and currently has an outstanding balance of £***

Full payment of the balance is required IMMEDIATELY.
Please contact us without delay to discuss the full repayment of the debt. It is in your own interest to give this matter your urgent attention.

If you are uanble to pay your debt in full, please call us urgently to speak with a specialist payment advisor, who will discuss a payment option that is in your current ability to repay this debt. We accept that you may be experiencing financial difficulties and aim to help you through this difficult time.

This matter requires your urgent attention. To stop further action you must select one of the payment option listed at the side of this letter or contact us .

Please do not conact our client as they will refer you us.

28/11/2012
WHD we may do this we may do that , doorstep threat
3/12/2012
iQor
Dear *****
We thank you for your letter.

On checking our records , we find that this has been closed on our files and returned to our Client of their control and management
Please not your fee enclosed un-cashed.
Please contact client direct regarding any quieries you may have quoting the client reference number obove.

6/12/12

We previously contacted you regarding this debt and received no response .

We are therefore in the process of instructing our agents to visit you at your address to collect payment of the outstanding balance.

To stop this action you must call us immdedately.

if you contact us we may be able to agree a repayment plan or a discounted settlement figure.

Please be assured that if you don't contact us we will continue to pursuee this deebt.

from WMD.

( strange how only 3 days ago they were writing to tell hubby they are passing this back to the original creditor ) i think they need to make their minds up .

update

[ScabHunter]

Re: spent2much UE diary

i think they need to make their minds up .update

To do that they would first need to obtain some minds to make up.

To stop this action you must call us immdedately.

OK. I'll do it for you. WMD, you are "immediately".

We are therefore in the process of instructing our agents to visit you at your address to collect payment of the outstanding balance.

Looks like time for a harassment and threat of doorstep visit template. Are they harassing you by telephone? If not, you'll need to amend the start slightly.

Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit

SH

[Spent2much]

Re: spent2much UE diary

To do that they would first need to obtain some minds to make up.



OK. I'll do it for you. WMD, you are "immediately".



Looks like time for a harassment and threat of doorstep visit template. Are they harassing you by telephone? If not, you'll need to amend the start slightly.

Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit

SH

I'm not sure as i disconnected the phone it was ringing all the time and i don't know if it is them or ppi calling .

Just to correct this , the letter was from iQor saying they have closed the account and passed it back to the original creditor so maybe these are trying to harrass us now

[ScabHunter]

Re: spent2much UE diary

I'm not sure as i disconnected the phone it was ringing all the time and i don't know if it is them or ppi calling .

Just to correct this , the letter was from iQor saying they have closed the account and passed it back to the original creditor so maybe these are trying to harrass us now

So is this the first contact you have had from this rabble? If so, it rather makes their statement "We previously contacted you regarding this debt and received no response" out to be a lie, doesn't it?

If it is the first threat you have received, stick this in with the harassment template -

Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

SH

[Spent2much]

Re: spent2much UE diary

So is this the first contact you have had from this rabble? If so, it rather makes their statement "We previously contacted you regarding this debt and received no response" out to be a lie, doesn't it?

If it is the first threat you have received, stick this in with the harassment template -

Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

SH

no it's the second or third letter and the last one was pretty much the same .

[ScabHunter]

Re: spent2much UE diary

no it's the second or third letter and the last one was pretty much the same .

Oh, right. Have they had the A/C sold in dispute letter yet? If not, send it to them with the harassment one. If they have, just send the doorstep harassment template.

SH

[Spent2much]

Re: spent2much UE diary

Oh, right. Have they had the A/C sold in dispute letter yet? If not, send it to them with the harassment one. If they have, just send the doorstep harassment template.

SH

i don't think they have had the account sold while in dispute so will send that along with the doorstep harassment template.

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)
9/7/12 cca request
13/7/12
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 ?




08/12/12
Had another cca sent which is still just terms and conditions i have sent it to Niddy see what he says.

update

[ScabHunter]

Re: spent2much UE diary

08/12/12
Had another cca sent which is still just terms and conditions i have sent it to Niddy see what he says.

update

Is there something special about the 8th of the month? This lot seem determined to send you a monthly "CCA".

If it is just T & Cs it shouldn't take him long to give a verdict. Get this one ready to send -

Our Templates | Unenforceability Templates | CCA Query - Terms & Conditions Received

SH

[Spent2much]

Re: spent2much UE diary

Is there something special about the 8th of the month? This lot seem determined to send you a monthly "CCA".

If it is just T & Cs it shouldn't take him long to give a verdict. Get this one ready to send -

Our Templates | Unenforceability Templates | CCA Query - Terms & Conditions Received

SH

lol
thanks received back from niddy , its just 22 pages of if's and but's no signiture anywhere so he is said it's likely UE.

Not sure why they send stuff on the 8th maybe it's there favourite date