spent2much UE diary

[vint1954]

Re: spent2much UE diary

If they claim to be the legal owners, I would be sending them the sold while in dispute letter.

[Spent2much]

Re: spent2much UE diary

If they claim to be the legal owners, I would be sending them the sold while in dispute letter.

I was thinking the same , i will send them the sold while in dispute

[vint1954]

Re: spent2much UE diary

Let us know, if and when they reply

[Spent2much]

Re: spent2much UE diary

Let us know, if and when they reply

will do
thank you

[Bricktop]

Re: spent2much UE diary

I got a Barclaycard recon through the post today (appears to be a 5th generation photocopy judging by the state of it).

Obviously someone at their place has found some random bits of paper and they have thought that by sending them out en-mass it might get some people paying.

[Enforcer]

Re: spent2much UE diary

Did you actually request this recon, or is this a case of Barclaycard sending it the show that they have an enforceable agreement? Whether or not they have!

[Spent2much]

Re: spent2much UE diary

Did you actually request this recon, or is this a case of Barclaycard sending it the show that they have an enforceable agreement? Whether or not they have!

requested a cca last July and they sent what they claimed to be a cca and niddy said there is nothing on both to even suggest we took out a credit card with , totally both mine and hubby's

[Spent2much]

Re: spent2much UE diary

I got a Barclaycard recon through the post today (appears to be a 5th generation photocopy judging by the state of it).

Obviously someone at their place has found some random bits of paper and they have thought that by sending them out en-mass it might get some people paying.

not if they join this fantastic forum they won't be paying, they will be fighting back

[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.

31/12/12 drysdensfairfax solicitors

Our client Halifax a division of bank of scotland plc

We are solicitors instructed by our client , Halifax to obtain immediate repayment of amount due of £248.46 or to take appropriate recovery action should you fail to pay.

You must make an immediate payment of £248.46 or telephone us today on 0133 823 3892 to agree a satisfactory solution to this matter. Payment methods are provided on reverse of this letter.

Please note that if payment is not received by 5th Jan 2013, we have authority to commence legal proceddings through the court. If this action becomes necessary, there will be costs incurred for which you may become liable.

Please do not underestimate the seriousness of this matter. It is most important that you make payment or contact us as a matter of urgency .

24/01/13 replica threat letter from drysdenfairfax saying if i don't pay they may get a ccj/charge on my house and they may get an attachment of earnings,may get blah blah blah, but they received my letter Tuesday by special delivery which scabhunter did for me and now i will wait and see what they come up with next

16/02/2013 from drydenfairfax

we are now informed by our client that, in order to settle this matter quickly and amicably, we can offer a significant discount on the balance due. This offer of a reduced settlement figure is subject to a specific time limitation for payment and you must , therefore, call this office immedately on 0113 ***** in order to discuss the offer in more detail and to agree the repayment arrangement.

If you fail to contact this office within 10 days of the date of this letter then the offer will be withdrawn and we will continue with actrion to recover the full balance outstanding.

update

[vint1954]

Re: spent2much UE diary

Poor souls S2M.

[Spent2much]

Re: spent2much UE diary

Poor souls S2M.

: i ignore them do i ?

[vint1954]

Re: spent2much UE diary

Well, you could ignore them or write back to them stating that they must respond to your s78 as statute dictates. The Law states TOGETHER WITH, so in one response, the agreement, T&C's from inception, Current T&C's and statement of account. As an unsophisticated layperson, how am I to know when you have complied fully with CCA 1974 s78.

But only if you like poking people with a sharp stick

[Spent2much]

Re: spent2much UE diary

Well, you could ignore them or write back to them stating that they must respond to your s78 as statute dictates. The Law states TOGETHER WITH, so in one response, the agreement, T&C's from inception, Current T&C's and statement of account. As an unsophisticated layperson, how am I to know when you have complied fully with CCA 1974 s78.

But only if you like poking people with a sharp stick

thanks, this is an overdraft for just £248 :

[vint1954]

Re: spent2much UE diary

Then s74 if it is over the agreed limit

[Spent2much]

Re: spent2much UE diary

Then s74 if it is over the agreed limit

it was originally a £300 od not over the limit .