spent2much UE diary

[Spent2much]

Re: spent2much UE diary

At least they are on the back foot for now. Did this letter have any kind of identifying reference or account number on it? I know you're dealing with a few of these, so it is important to know where you stand with each individual case.

SH

It had a reference number which i looked for on the previous letter they sent.

[ScabHunter]

Re: spent2much UE diary

It had a reference number which i looked for on the previous letter they sent.

Make sure you stay on top of this. If necessary, send letters back to them and ask them to identify the account to which it relates. You don't want to end up in a situation where they accuse you of ignoring them, because they claim that all of the letters you've sent relate to a different account.

SH

[Spent2much]

Re: spent2much UE diary

Make sure you stay on top of this. If necessary, send letters back to them and ask them to identify the account to which it relates. You don't want to end up in a situation where they accuse you of ignoring them, because they claim that all of the letters you've sent relate to a different account.

SH

yes i will and i have each account filed with the reference numbers.

I spoke to the post office today and they said if i phone the number on the bottom of the receipt i can get my £5.90 back as it never got delivered the next day

[ScabHunter]

Re: spent2much UE diary

yes i will and i have each account filed with the reference numbers.

Good. That is exactly the right thing to do.

I spoke to the post office today and they said if i phone the number on the bottom of the receipt i can get my £5.90 back as it never got delivered the next day

Yes, that should be possible. I'd have thought you should have been able to do that in a Post Office branch, or online.

SH

[Spent2much]

Re: spent2much UE diary

Good. That is exactly the right thing to do.



Yes, that should be possible. I'd have thought you should have been able to do that in a Post Office branch, or online.

SH

i will look on their website because online is free phoning costs money and i am a tight git

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft Lloydstsb) husband's

Date commenced (2003)

Approx balance (£520)

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 request from moorcroft for £1
16/7/12 sent them a £1 postal order
1/8/12 moorcroft sent postal order back saying it needs to be sent and written out to Lloydstsb
14/11/12 moorcroft asking for payment or may start legal proceedings.
Letter from Moorcrof today, say they need a £1 before they can process mt request .
this is an overdraft account i thought no £1 payment was needed

14/11/2012

Our records show that we have not received a payment from you since 02/08/12.

We must therefore ask you to make an immediate payment to us or contact this office within the next 48 hours.

Unless payment of this amount is received in the next 7 days we may remommend to our client that we take further debt recovery action against you without further notice.

Neither we nor our client wish to take this step and if you call us on the above number we would be happy to agree a repayment plan that you can afford and maintain.

Any payment may be attached to this letter and made payable to Moorcroft debt Recovery Ltd.

Yours sincerely.

30/11/2012
from Moorcroft

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 your are dealing with us via a third party, If this is still the case please contact them concerning this matter as soon as possible to clarify the position.If however, you are no longer dealing with this third party organisation please contact our call centre directly.

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 recovery action against you.

Please could you either you or your representative contact us no later than 06/12/12

21/1/13 from LloydsTsb

As we haven't been able to agree a suitable repyment plan, we'v transferred your accoun to a dca Robinson way.
We've instructed Robinson Way to arrange collection of the outstanding amount.

Please contact Robinson Way asap to arrange to pay back the outstanding balance. Ther full contact details are below


24/01/13 from robbers way
do not ignore they have authorised to recover this debt in full by thir client , if do not pay or agree a payment plan they may advise their client to start court action if court considers our failure to pay to be due to neglect , an order for payment may be made, if we fail to pay in accordance with a court payment order the following may occur.

*an application is made to court to enforce repayment
*futrue credit , especially mortgages will be difficult to obtain
*this account may continue to worry us .

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 a payment plan, if you prefer to deal with this online at http://www.***************

28/1/13 sent account sold while in dispute letter

1/2/13 from Robbers way

Your account has been passed to me for review. I am concerned that an affordable payment plan has not been agreed for payement of your account.

i want to make it simple for you to pay your account. Start to pay this account by making a MONTHLY PAYMENT OF JUST £30,(on due day of your choice), this can be agreed simply and quickly in one phone call to us. Or if you prefer, set the direct debit up online at http://www.robway.co.uk

If that is not affordable we need to hear from you, call us now, or email us at payline@robinson-way.com. Your circumstances will be considered.

If an affordable payment plan is not agreed with you, I will have no alternative but to pass your account for further action. Once your account leaves my hands there will be little more i can do to help you.


collections manager.
[/QUOTE]

update

[ScabHunter]

Re: spent2much UE diary

update

I would ignore this as it is obvious that it must have been sent before they received your A/C Sold in Dispute letter.

SH

[Spent2much]

Re: spent2much UE diary

I would ignore this as it is obvious that it must have been sent before they received your A/C Sold in Dispute letter.

SH

yep that's what i thought too

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft Lloydstsb) husband's

Date commenced (2003)

Approx balance (£520)

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 request from moorcroft for £1
16/7/12 sent them a £1 postal order
1/8/12 moorcroft sent postal order back saying it needs to be sent and written out to Lloydstsb
14/11/12 moorcroft asking for payment or may start legal proceedings.
Letter from Moorcrof today, say they need a £1 before they can process mt request .
this is an overdraft account i thought no £1 payment was needed

14/11/2012

Our records show that we have not received a payment from you since 02/08/12.

We must therefore ask you to make an immediate payment to us or contact this office within the next 48 hours.

Unless payment of this amount is received in the next 7 days we may remommend to our client that we take further debt recovery action against you without further notice.

Neither we nor our client wish to take this step and if you call us on the above number we would be happy to agree a repayment plan that you can afford and maintain.

Any payment may be attached to this letter and made payable to Moorcroft debt Recovery Ltd.

Yours sincerely.

30/11/2012
from Moorcroft

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 your are dealing with us via a third party, If this is still the case please contact them concerning this matter as soon as possible to clarify the position.If however, you are no longer dealing with this third party organisation please contact our call centre directly.

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 recovery action against you.

Please could you either you or your representative contact us no later than 06/12/12

21/1/13 from LloydsTsb

As we haven't been able to agree a suitable repyment plan, we'v transferred your accoun to a dca Robinson way.
We've instructed Robinson Way to arrange collection of the outstanding amount.

Please contact Robinson Way asap to arrange to pay back the outstanding balance. Ther full contact details are below


24/01/13 from robbers way
do not ignore they have authorised to recover this debt in full by thir client , if do not pay or agree a payment plan they may advise their client to start court action if court considers our failure to pay to be due to neglect , an order for payment may be made, if we fail to pay in accordance with a court payment order the following may occur.

*an application is made to court to enforce repayment
*futrue credit , especially mortgages will be difficult to obtain
*this account may continue to worry us .

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 a payment plan, if you prefer to deal with this online at http://www.***************

28/1/13 sent account sold while in dispute letter

1/2/13 from Robbers way

Your account has been passed to me for review. I am concerned that an affordable payment plan has not been agreed for payement of your account.

i want to make it simple for you to pay your account. Start to pay this account by making a MONTHLY PAYMENT OF JUST £30,(on due day of your choice), this can be agreed simply and quickly in one phone call to us. Or if you prefer, set the direct debit up online at http://www.robway.co.uk

If that is not affordable we need to hear from you, call us now, or email us at payline@robinson-way.com. Your circumstances will be considered.



If an affordable payment plan is not agreed with you, I will have no alternative but to pass your account for further action. Once your account leaves my hands there will be little more i can do to help you.


collections manager.

7/02/2013 from robbers way
please note we have noted the dispute/query you have raised.

We will make the necessary enquiries and you let you know the outcome in due course.

In the meantime we will stop all collections activity for this account.
Please let us know if we can assist furhter.[/QUOTE]

update

[ScabHunter]

Re: spent2much UE diary

7/02/2013 from robbers way
please note we have noted the dispute/query you have raised.

We will make the necessary enquiries and you let you know the outcome in due course.

In the meantime we will stop all collections activity for this account.
Please let us know if we can assist furhter.
update

Well, at least that is something. I'm wondering, though, what gives them the arrogance to assume that they alone can determine the "outcome"?

SH

[SA Gold]

Re: spent2much UE diary

Well, at least that is something. I'm wondering, though, what gives them the arrogance to assume that they alone can determine the "outcome"?

SH

Because they are w@nkers mate!

[Spent2much]

Re: spent2much UE diary

Well, at least that is something. I'm wondering, though, what gives them the arrogance to assume that they alone can determine the "outcome"?

SH

exactly, but i think the way the letter is written is arrogant . I get the feeling they aint happy that the account is in dispute by the tone of the wording

[Spent2much]

Re: spent2much UE diary

Because they are w@nkers mate!

very well expressed i like your style :

[SA Gold]

Re: spent2much UE diary

very well expressed i like your style :

lol

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)husband's

Date commenced (2003)

Approx balance (£467

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 (Capitol one)

9/7/12 cca request
1/9/12 account passed to Fredrickson's
21/9/12 Fredrickson demanding payment
24/9/12 sold in dispute letter also copy sent to Cap One
6/10/12 account on hold while they refer back to Cap one.
10/10/12 Fredrickons saying their client has complied with the cca on 16/7/12)not received a thing)
12/10/12 threat of court action
15/10/12 threatogram sent letter before action
22/10/12 threat before action postcard advised threatogram letter again
24/10/12 Fredrickson They have rreferred the account back to Cap One no longer instructed to deal with it.


11/01/13
from cap one letter scanned

24/01/13 sent a one liner asking them to re-send the two letters they said they sent me July 12 and oct 12.
08/02/2013 from Cap one

Thank you for your recent letter.

I would like to be able to help you with your query, but unfortunately you did not sign your letter. To enable me to answer your query, please write to us at the address below including and example of your signature and your 16 digit account number as a reference:

Alternatively , you can call one of our specialist account managers who will go though a security check with you and answer your query immediatley.
I'm sorry for the inconveience this may cause you. I realise how frustrating it to have to go to the trouble of contacting us again. However , we need to do this to protect the security of your account and personal details.

what a load of crap , if they said they sent me the cca twice before or whatever they are referring to without a signature then why now ? i don't believe they sent anything and do they think we are that stupid to send them a signature :

They said in their letter date 3Jan 2013 that they did respond to the cca request on the 16thJuly and 11October 2012, therefore should now be in receipt of the credit agreement .

update