spent2much UE diary

[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)
9/7/12 cca request
18/07/2012
recieved a cca back today , do i send the letter and the cca to niddy to look at ?



13/08/2012 sent missing PT's

24/9/2012 received a letter new condtion to the agreement.
26/10/2012 statement payment not received
24/11/2012 statement payment not received

22/12/12 NDR
monthly statement with £12 late fee added.
Notice of Default Sums under the Consumer credit Act 1974

Please note that a default charge will now be added to your account, as you have breached the terms of the agreement.

If you have not already done so, please rectify the position straight away to avoid any further charges and default comminications. If you are having difficulty making payments or keeping to the terms of the agreement we would like to hear from you , so please call us now on 0844......

update

[ScabHunter]

Re: spent2much UE diary

They cannot counter your argument, so they are just completely ignoring it. If it was me, I'd just send them something like this, along with another copy of the missing PTs letter -

"I am in receipt of your letter dated xx/12/2012.

I refer you to my letter of 13/08/2012, the contents of which do not appear to have been read or actioned. A copy of this letter is enclosed for your perusal and convenience."

SH

EDIT - This relates to post #711. I didn't see the one above it. For that one, just wait until you hear from Moroncrap.

[Spent2much]

Re: spent2much UE diary

They cannot counter your argument, so they are just completely ignoring it. If it was me, I'd just send them something like this, along with another copy of the missing PTs letter -

"I am in receipt of your letter dated xx/12/2012.

I refer you to my letter of 13/08/2012, the contents of which do not appear to have been read or actioned. A copy of this letter is enclosed for your perusal and convenience."

SH

EDIT - This relates to post #711. I didn't see the one above it. For that one, just wait until you hear from Moroncrap.

Thank you i will send this Monday

[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)
9/7/12 cca request
28/9/12 account passed to BLS 3/8/12

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 experiencing 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.

14/11/12 payment reminder,pay today

13/12/12
from BLS

Please find enclosed a statement of account as requested.

Should you require any further assistance please telephone us.

14/12/12
from BLS it is essential that you contact us TODAY


14/12/12
from BLS it is essential that you contact us TODAY

24/12/12 from Halifax



As we haven't been able to agree a suitable repayment plan we've transferred your HALIFAX debt to . drydensfairfax solicitors, We've instructed to arrange collection of the outstanding amount.

update
I am worried now as this is solicitors who got a charge on our house , help

[SXGuy]

Re: spent2much UE diary

Try not to worry to much, nothings gonna happen between now and new year, just enjoy it.

[Spent2much]

Re: spent2much UE diary

Try not to worry to much, nothings gonna happen between now and new year, just enjoy it.

thank you, what cofuses me about this is that we have 4 halifax overdrafts and one of these have been passed to Moorcroft and the other 3 to fairfax solicitors , why not all of them passed onto Moorcroft ?

[ken100464]

Re: spent2much UE diary

Thats one way to look at it or the other way is why has that one gone to Moorcroft and not Fairfax.

All debts are different and follow different paths is never so true as here.

Its a mystery no point worrying about. Deal with what is on the ground not what could or might of been.

[PriorityOne]

Re: spent2much UE diary

My friend has been through a similar scenario; with one account being sold to Cabot but the other three still with Halifax.

Who knows what goes on in their tiny minds....

[Never-In-Doubt]

Re: spent2much UE diary

Have you sent the OD CCA....? may be worth sending one to Fairfax whatever......

[Spent2much]

Re: spent2much UE diary

Have you sent the OD CCA....? may be worth sending one to Fairfax whatever......

we sent the overdraft cca template on the 8th July to Halifax and all they have don is dodge the request.
We haven't heard from fairfax yet we only got the letters today, so don't know what to do but we certainly don't want fairfax on our backs they are complete tossers and very aggressive .

[vint1954]

Re: spent2much UE diary

Don't worry s2m,

Wait until fairfax contact you then post again.

Enjoy your Christmas.

[Spent2much]

Re: spent2much UE diary

Don't worry s2m,

Wait until fairfax contact you then post again.

Enjoy your Christmas.

will do and enjoy Christmas also have a great time

[vint1954]

Re: spent2much UE diary

Will do s2m.

[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.

It's still unenforceable , shall i wait and see what they do next as they have already had a missing pt's letter ?



28/12/12 Moorcroft Home Collections Division.


Our records show that despite our previous letters to you, payment has still not been made on the agreement in place on our system with the result that your account is now in arrears for the sum of £1.00

Our records also show that you are dealing with us via a third party (this would be payplan) If you are no longer dealing with them please contact our call centre.

As a result of the arrears on your account it has now been passed to our Home Collections division for possible action. If contact is not made with our offices as above, this may involve our local representative calling at your home address to discuss the account with you and to seek to establish how you propose to settle the balance outstanding.

We would emphasise that if no satisfactory agreement is made with us or our local representative you may leave us with no alternative but to recommend to our client that they take debt rcovery action agaisnt you .

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 arrangement or not paying (was on dmp now stopped paying)

Status (default/cca being sent )

Account owner (HBOS)
9/7/12 cca request
28/9/12 account passed to BLS 3/8/12
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.
14/11/12 pay today reminder

13/12/12
from BLS

Please find enclosed a statement of account as requested.

Should you require any further assistance please telephone us.


14/12/12
from BLS it is essential that you contact us TODAY

22/12/12 from Halifax

As we haven't been able to agree a suitable repayment plan we've transferred your HALIFAX debt to dect collection agency. Moorcroft Group Plc, We've instructed Moorcroft Group Plc to arrange collection of the outstanding amount.

Please contact Moorcroft as soon as possible to pay back the outstanding blalance.

28/12/12 from moorcroft

advising me Halifax have instructed them to collect the overdue debt of £246.26

It is a legal requirement to send a notice of intended litigation before legal proceedings in the county Court are issued. We believe that this letter fulfils this requirement even if it is not actually read by you .

To prevent our recommeding to our client that solicitors commence legal proceedings, it is essential that you settle this debt without delay. Payment should be submitted in full within 7 dyas or contact made with this office immediately, by telephone on 000000000000 or by letter, with your payment offer. Both our client and we do not wish to take this action but if agreement cannot be reached by 31/12/12 , a claim may be issued by solicitors to act on behalf of our client without further notice.

WE WOULD DRAW TO YOUR ATTENTION THAT IF JUDGTMENT AND AN ORDER FOR REPAYMENT IN FULL IS OBTAINED AND REMAINS UNPAID, A RANGE OF COURT ENFORCEMENT OPTIONS ARE AVAILABLE TO OUR CLIENT AND APPLICATION FOR ONE OF THESE MAY BE CONSIDERED.

We would emphasise that should judgement be entered agaisnt you this may affect any future credit application you may make elsewhere . Legal cost mentioned also blah blah

update