spent2much UE diary

[vint1954]

Re: spent2much UE diary

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

Bugger

Did it ever go over the limit?

[Spent2much]

Re: spent2much UE diary

Bugger

Did it ever go over the limit?

morning, sorry for the delay in posting a reply. I just checked from my records and it actually did go over by £11.20 at one time but because i was paying into a dmp with payplan the balance came down .

[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 dure course.

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

11/02/2013 from Lloyds TSB (there is no account number on the letter so i am guessing it is for this account)

Thank you for your recent contact.

Unfortunatley we have unable to action your request as it is not signed.

Please resend your letter signed and we will be happy to deal with your request.

I'm sorry for any inconvenience that this may cause. If you have any queries about this, please do get intouch. My number is at the top of this letter.

13/02/13

sent to LloydsTSB
CCA Request - Demand of Signature

18/02/2013 LloydsTsb

After looking into your complaint there is no record of you requesting a copy of the credit agreement for this account before now. I can assure you if we had been in reciept of this letter we would have responded sooner. Credit agreements do not apply to bank accounts and for this reason we cannot provide you with a copy of your credit agreement for the account requested.

I appreciate your concern with the fees which applied to your account. I can see you had a planned overdraft limit of £500. In providing you with this limit, we requested you to monitor the account and stay within its limit. I can see you last used your account on 26th february 2007 when you transferred £129.00 out of your account to leave £499.89 overdrawn. The transaction which took you overdrawn was the interest which we had pre notified you of. As such your account exceeded the planned overdraft and you were in an unplanned overdraft which was subject to unplanned overdraft fees as outlined in the terms and conditions of your account.

Fees continued to apply to your account until 2July 2007 , when we were made aware you were experiencing financial difficulties. From 26th Feb to 2 July 2007 £137.54 fees were applied correctly to your account.

When we were made aware you were experiencing difficulties and were dealing with Payplan we suspended all fees on the account and accepted the payments which were being made. Your account closed on 15 September 2008 with a debit balance of £599.68 and transferred to our Recoveries department as a longer repayment term was required . I can assure you no fees have been applied since 2 July 2007.

I appreciate you would rather make arrangements directly with us regarding payments, however, it is not practical for this to happen. It is normal for us to assign external recovery agents to act on our behalf (moorcroft) fromMay2011to August 2012. Due to no payments being made since then we assigned robinson way to contact you to discuss repayments.

To restore your confidence in us I have arranged for £137.54 fees to be credited to the account . Plese allow ten working days for the refunds to be processed at which point the amount owed will reduce to £384.89 . I will inform Robinson way of the revised balance.
[/QUOTE]

update
will hubby need to start paying this now ?

[vint1954]

Re: spent2much UE diary

Well I think the principal is that if they extend past your agreed overdraft, it becomes a different situation, more akin to credit.

If you PM niddy, he will be able to advise.

[Spent2much]

Re: spent2much UE diary

Well I think the principal is that if they extend past your agreed overdraft, it becomes a different situation, more akin to credit.

If you PM niddy, he will be able to advise.

thank you will do

[Never-In-Doubt]

Re: spent2much UE diary

Technically speaking you ought to read the overdraft section.

Did you send the OD cca template or a normal one?

[Spent2much]

Re: spent2much UE diary

Technically speaking you ought to read the overdraft section.

Did you send the OD cca template or a normal one?

I sent od one, i am just not sure what to do as tsb have credited the account with charges and the balance has now reduced .

[Never-In-Doubt]

Re: spent2much UE diary

I sent od one, i am just not sure what to do as tsb have credited the account with charges and the balance has now reduced .

Doesn't matter. You've not acknowledged anything...

However it's a long way from SB.... See what they send next. Just chill with this

I presume the dmp has ceased?

[Spent2much]

Re: spent2much UE diary

Doesn't matter. You've not acknowledged anything...

However it's a long way from SB.... See what they send next. Just chill with this

I presume the dmp has ceased?

Thanks niddy, yes the dmp stopped last July .

[Never-In-Doubt]

Re: spent2much UE diary

Cool. On that note I need sleeeeeeep

[Spent2much]

Re: spent2much UE diary

Cool. On that note I need sleeeeeeep

sorry

[vint1954]

Re: spent2much UE diary

Don't worry. There is something of the night about Niddy. He never sleeps.

He has had a long stint over the weekend transferring AAD to a new server.

[Spent2much]

Re: spent2much UE diary

Don't worry. There is something of the night about Niddy. He never sleeps.

He has had a long stint over the weekend transferring AAD to a new server.

He needs a medal for what he does for us lot , infact everyone who is helping us deserves a medal

[Never-In-Doubt]

Re: spent2much UE diary

He never sleeps.

I'd like to though.....

[vint1954]

Re: spent2much UE diary

I'd like to though.....

You should give it a try now and then

Try one eyelid at a time