spent2much UE diary

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)husband's

Date commenced (2003)

Approx balance (£4,782)

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 sent
23/7/12 from Halifax , they sent what they call a cca, sent to niddy.
23/7/12 niddy says UE



13/8/12 sent missing PT's
20/9/12 from Halifax account assigned to Cabot as 3/8/12
9/11/12 cabot reminder for payment

7.01.13
from Cabot

No reply from your debt counsellor

According to our records we haven't had a reply from your debt counsellor. If you'd still like the counsellor to manage your accout for you, please ask them to contact us as soon as possible.

However, if you'd now prefer to deal with your account yourself, please call Cabot and let us know.

If we don't hear from you

Unless you or your debt counsellor contact us within the next 14 days we'll pass your account back to our Collections Department and they'll contact you directly.

Contact Cabot

If you have any queries , call one of our helpful customer advisors on 0800 328 0708

9/03/13 account passed to Robinson way, pay now or else .

25/03/13 account sold while in dispute sent



13/7/13 Cabot

We are aware that you are currently dealing with a debt counsellor, and we appreciate your cooperation in this matter.

We have conducted a review of your account and note that your debt counsellor has not yet made a repayment proposal, nor have you made any recent payments towards your account.

We understand that you are experiencing financial difficulties and that your debt counsellor will be making a repayment proposal shortly. However, we would like to offer you an alternative to hlep you be free of this debt within a few months.

OUR SOLuTION

We have already contacted your debt counsellor to advise them of our proposal to accept the lower amount of £1912.96 as full and final settlement of your account , and they may have already contacted you in this regard. If not, and you wish to take advantage of this settlement offer , please contact us within the next fourteen days.

The £1912.96 ideally needs to be paid over the next few weeks but if you do feel that you need more time then we can work with you to arrange this.

We hope you see our proposal as a solution to settle this account. However , should this not be feesible at this stage, we will be happy to continue to work with your debt counsellor to setup a repayment plan

update

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)mine

Date commenced (2003)

Approx balance (£1,756)

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 sent to halifax cc

4/8/12 halifax, cannot find original cca. terms and conditions sent to niddy



13/8/12 sent missing PT's to halifax
20/9/12 account assigned to Cabot 3/8/12

9/11/12 payment reminder from Cabot
9/11/12
from cabot
your account is overdue .
You agreed to make monthly repayments to cabot via a debt counsellor, but according to our records these payments have stopped .





13/7/2013 We are aware that you are currently dealing with a debt counsellor, and we appreciate your cooperation in this matter.

We have conducted a review of your account and note that your debt counsellor has not yet made a repayment proposal, nor have you made any recent payments towards your account.

We understand that you are experiencing financial difficulties and that your debt counsellor will be making a repayment proposal shortly. However, we would like to offer you an alternative to hlep you be free of this debt within a few months.

OUR SOLuTION

We have already contacted your debt counsellor to advise them of our proposal to accept the lower amount of £1012.35 as full and final settlement of your account , and they may have already contacted you in this regard. If not, and you wish to take advantage of this settlement offer , please contact us within the next fourteen days.

The £1012.35 ideally needs to be paid over the next few weeks but if you do feel that you need more time then we can work with you to arrange this.

We hope you see our proposal as a solution to settle this account. However , should this not be feesible at this stage, we will be happy to continue to work with your debt counsellor to setup a repayment plan

update

[Pixie]

Re: spent2much UE diary

Numbskulls! You haven't been dealing with payplan for over a year. They're just trying to make you think they're doing you a big favour, which of course they aren't.

I would just ignore both.


BTW you haven't put the date of your Cabot letter (unless you really received it on 9/1/12)...could cause some confusion further down the line

[nightwatch]

Re: spent2much UE diary

something is amiss, it posted twice!!

[Spent2much]

Re: spent2much UE diary

Numbskulls! You haven't been dealing with payplan for over a year. They're just trying to make you think they're doing you a big favour, which of course they aren't.

I would just ignore both.


BTW you haven't put the date of your Cabot letter (unless you really received it on 9/1/12)...could cause some confusion further down the line

oops! i will correct it , and yeah i intend to ignore it they are like you say making out they are doing me a favour , well they are desperate : :

[Spent2much]

Re: spent2much UE diary

something is amiss, it posted twice!!

no its for both credits cards me and hubby have no wonder i get confused we have i think five overdrafts with the Halifax and a credit card each

[IF]

Re: spent2much UE diary

something is amiss, it posted twice!!

Bear with us, site is being slow today and some posts are being posted twice

[Spent2much]

Re: spent2much UE diary

Bear with us, site is being slow today

i thought it was my laptop that was slow because it took me ages to post those updates

[Pixie]

Re: spent2much UE diary

oops! i will correct it , and yeah i intend to ignore it they are like you say making out they are doing me a favour , well they are desperate : :

Once they start making you offers, you know they're desperate to get something...but why pay anything when it's UE?

[Pixie]

Re: spent2much UE diary

I know I only pressed submit once

[Spent2much]

Re: spent2much UE diary

Thanks Spent2much.

Edit (for info)- I see that B Carter refers to a letter of yours dated 04/03, but it hasn't been listed above.

oops! again what am i like, i am still going through them , my main excuse is this new laptop its so different to my main pc, when i choose red or blue it isn't as clear as the other , but i am trying to get through them

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft)husband's

Date commenced (2003)

Approx balance (£525)

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) think it was originally with Loydstsb

9/7/12 cca request sent

28/9/12 account passed to BLS 3/8/12

28/9/12 repayment plan arrears

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 BLS essential that you contact us today


24/12/12 from Halifax account passed to drysdenfairfax




31/12/12 drysdensfairfax solicitors
threat of action if fail to pay.


28/01/13 from drysdenfairfax

Thank you for your letter dated 31st December 2012 and I not all your comments.

As a result of your letter, we have contacted our clent to clarify the current position and seek their further instructions. We will write to you, further, once they have respnded . I confirm that, in the meantime, the matter is on hold.


09/03/12 from Halifax account passed to Robinson way


I now wait to hear from Robinson way and then send an account sold while in dispute reply


13/03/2013 from robbers way

Our client has authorised us to recover the full amount you owem shown above.

If you do not pay or agree a payment plan with us, we may advise our cleint to start court action ,

THREATS OF WHAT COURT MIGHT DO OUR CREDIT RATING BLAH LBAH BLAH.



12/03/2013 from Robinson Way
12/03/12 from Robinson way

IMMEDIATE ACTION REQUIRED


25/03/13 account sold in dispute sent to Robinson way

04/04/13 from Robinson way

Thank you for your recent contact. Our client has advised us that your issue has been resolved and you remain fully liable for the balance outstanding.

In the absence of any alternative dispute, we are unable to defer payment on this account and we now require your proposals for payment within the next 14 days .

After this time collection activity will resume.



ignore ?

8/4/13 from robinson way

Please note we have noted the dispute/query you have raised.
We will make the necessary enquiries and let you know the outcome in due course.

In the meantime we will stop all collection activity for this account.

15/04/13 from Robinson way.
Thank you for your recent contact. Our client has advised us that your issue has been resolved and you remain fully liable for the blalance outstanding .

In the absence of any alternative dispute, we are unable to defer payment on this account and we now requre your poropsals for payment within the next 14 days .
Ater this time collection activity will resume.

01/05/13 robinson way

NOTE..IMMEDATE ACTION REQUIRED

You have not paid the sum you owe. Until it is paid your account will not be closed,but may stay registered as anupaid debt in your name. This may adversely affect your credit rating.

WE URGE YOU TO SETTEL YOUR ACCOUNT-NOW-AND CLEAR THIS UP ONCE AND FOR ALL

we can agree a reduced balance you can pay to settle your account and you may even be able to pay the reduced balance in instalments you can afford and will keep up, our staff are waiting to take your call
Immediate payment can be made by calling us .
18/05/13 drysdenfairfax
We have been instructed by our clent's agent, Robinson Way,in relation to the above coutstanding debt.
Legal action may be taken aggainst you unless you take steps to resolve this matter within 10 days of the date of this letter.
To avoid further action you should either:
-Make payment in full,or
Pay what you can now and agree an affordable repayment arrangement to repay the remainder by contaction robinson way

18/05/2013 drysdenfairfax 2nd SWID letter.
checked royal mail and this was delivered and signed for .

24/05/2013 from dysdenfairfax
We are instructed that despite previous correspondence this matter remains outstanding. Unless this matter is resloved within 10 days of the date of this letter (23/05/2013) then we may have to advise our client to consider commencing legal proceedings against you.

Even at this late stage you can acoid court action by paying the debt in full or agreeing an affordable payment plan with Robinson way .

Please do not ignore this letter as taking no action is likely to lead to court proceedings being commenced which may increase the amount you owe with the addition of court fees, costs and interest .


03/06/13 drysdenfairfax
We have been instructed by our client's agent, Robinson Way, in relation to the above outstanding debt, Legal action may be taken against you unless you take steps to resolve this matter withing 10 days of the date of this letter (1st June 13)
To avoid further action you should either:
Make payment in full o
Pay what you can now and agree an affordable repayment arrangement to repay the remainder by contacting Robinson Way.

Any court action may result in additional court fees, solicitor's costs and interest being incurred which would be added to the amount outstanding.

04/06/13 sent letters of complaint to drysdenfairfax and robinson way, kindly composed bt ScabHunter

FORMAL COMPLAINT

Dear Sirs,

I am in receipt of your letter dated xxth March 2013, the contents of which are noted. Since your letter clearly refers to the threat of litigation, I am treating it as a formal letter of claim, albeit an entirely defective one. I refer you to the Civil Procedure Rules Pre Action Protocol Practice Direction, in particular Annex A and Annex B. You will note your letter fails spectacularly to comply with either of the aforesaid Annexes.

Since you are a firm of solicitors, I cannot excuse such failures, and place you on notice that any litigation on the back of this letter will result in an immediate application to the Court requesting the matter stayed with costs against you and your client on the indemnity basis. I refer you to Para 4.6 of the Practice Direction which explains the consequences of non compliance with the Pre Action Protocol.

I refer you also to my letter of 18th May 2013, which you signed for and have therefore presumably read. You have completely ignored the contents of that letter, and have chosen instead to send out a machine produced template which bears no relevance to the situation surrounding this alleged debt.

You will be aware that your clients remain in default of a legitimate request for information pursuant to The Consumer Credit (EU Directive) Regulations 2010 and also c.39 (s.74 (A&B) (VA)) CCA(1974). Your clients have a statutory obligation to provide this information, and without it I am unable to assess whether or not any liability exists to your clients, nor to assess the extent of any such liability should it exist. It would therefore be far more appropriate for you to deal with your incoming mail in a reasonable manner, instead of using machine produced threat letters as an expedient, and abusing the legal system by using it as a threat tool instead of a means of resolving disputes which cannot be settled any other way.

Accordingly, and in accordance with the CPR Pre Action Protocol Practice Direction, I look forward to your reply, dealing with the issues which were raised in my letter of 18th May. Note that any further obstructiveness and refusal to consider, or reply to, letters which are sent to you informing you of the true situation of your clients' affairs will result in a formal complaint being forwarded to the Solicitors Regulation Authority.

Yours Faithfully,

and this to RW -

FORMAL COMPLAINT

Dear Sirs,

I am in receipt of a letter dated xxth May 2013, from Drydens Fairfax solicitors. The letter is a formal letter of claim, threatening immediate court proceedings if I do not comply with their entirely unreasonable orders. As the solicitors have ignored my previous communication, and are refusing to discuss or even acknowledge the ongoing dispute relating to this alleged debt, they are in breach of the Civil Procedure Rules Pre Action Protocol Practice Direction, in particular Annex A and Annex B. Note that my letter of 18th May 2013, which was received and signed for, has been completely ignored.

Instead of responding to my legitimate dispute concerning your own failure to provide statutory information, the solicitors have mailed out a machine produced generic template which could apply to literally any alleged debt situation. This behaviour is obviously totally unacceptable, and any repeat thereof will result in a formal complaint being forwarded to the Solicitors Regulation Authority.

Notwithstanding this consideration, you remain legally responsible for the actions of any organisation which you engage on your behalf. It would therefore be in your own interests to deal with the ongoing dispute, of which you have been aware since you received my letter of 25th March 2013, instead of misusing solicitors purely for the purposes of threatening and frightening people. Your own nonsensical response dated 4th April 2013 is also a machine produced generic template, which is entirely inappropriate for the situation. You are obviously aware that communicating with alleged debtors in a misleading manner is contrary to the Office of Fair Trading Debt Collection Guidance, specifically Section 3.2.

I look forward to your response that you have withdrawn these badly behaved solicitors from this case, and that you are now prepared to deal with the issues raised in my previous communications. Any other response will result in this formal complaint being escalated to the Financial Ombudsman Service, and the Office of Fair Trading being informed of your continual breaches of their own published Guidance.

Yours Faithfully,

17/06/2013 from robinson way limited
We refer to the above account and the recent issues you raised.

Having looked at your acount we do not seem to have received your recorded mail dated 18th May 2013. Can you please resend this mail and also provide us with the recorded delivery number to enable to us to look into this matter further.

On further investigation I have noted that your original dispute was regarding not receiving a valid CCCA request . Please be advised that the above account relates to an unpaid bank account . These are exempt from part V of the CConsumer Credit Act 1974 and as such there is no agreement available .

In the meantime i have placed your account on a temporary delay awaiting your above correspondence. If you have any further quries ,please do not hesitate to contact us

21/06/2013 Robinson way

As we have been unable to contact you via any other way, we may now arrange for a doorstep collection agent to call at your address to agree an affordable payment plan with you, dependant on your personal circumstances.

To avoid the matter being escalated to this next stage of the debt collection process involving a home visit, please contact this office disput circumstances and to agree an affordable payment plan directly with us.


19/07/2013 Robinson Way

We refer to the above account and our letter dated 13th June 2013.

As we have not received the correspondence that we requested in our previous letter and our client has advised us they have no details of your dispute and you remain fully liable for the balance outstanding.

Please forward your proposal for payment, we have held your account for 14 days to enable you to do this. After this time collection activity will resume on your account.

If you have any further queries , please do not hesitate to contact us .

update

[vint1954]

Re: spent2much UE diary

update

I would jus send them a one liner, enclosing a copy of your letter of complain.

Dear sirs,

I am in receipt of your letter dated xxxx and note it's contents.

It would save your organisation a lot of effort, if you actually read my communications. I refer you to my letter of complaint dated xxxx, copy enclosed, to which I have yet to receive a reply.

Yours

[Spent2much]

Re: spent2much UE diary

I would jus send them a one liner, enclosing a copy of your letter of complain.

Dear sirs,

I am in receipt of your letter dated xxxx and note it's contents.

It would save your organisation a lot of effort, if you actually read my communications. I refer you to my letter of complaint dated xxxx, copy enclosed, to which I have yet to receive a reply.

Yours

hi , thank you i will do that

[Spent2much]

Re: spent2much UE diary

Type of account (simplybe )mine

Date commenced (2003)

Approx balance (£1,124)

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 (simply be) now with jd williams
9/7/12 cca request sent
27/7/12 from simplybe an application form , sent to niddy and niddy says

27/7/12 sent missing PT's
30/8/12 reminder for payment

6/9/12 serious arrears letter

11/9/12 letter they cannot enforce payment but threaten to commence collection again.

receiving statements every month otherwise nothing to report .
18/04/13 from simply be
monthly statement and a reminder i haven't paid , also if i don't bring the account up to date they may take further action and additional charges added .

01/05/13 Simplybe
Minimum payment due £205.53
Having tried to contact you on several occasions you have failed to maintain repayment of your account.
We are prepared to help you but you must take resonsibility for clearing this debt.
~ The debt will not go away on its own.
~ You must pay the arrears within 48 hours to avoid action being undertaken to recover the debt.

You can make a payment directly onto your account by calling us


Please note that in accordance with our trading terms an administration charge will be made for each missed payment reminder. Your personal credit file may also be affected preventing furture facilities from high street banks

23/05/2013 SimplyBe
FINAL NOTICE
Despite our best efforts to talk to you and agree proposals that suit your current situation you continue to ignore our help.
Non-payment is a serious matter that is likely to prevent you getting credit in the future. We want to help but you must share your situation with us. Take notice if we do not receive your payment we intend to pass your account to a Debt Collection company.
Reliable Collections ltd within the next few days, they may:
Instruct debt collectiors to call at your home.
Undertake appropriate action to recover the debt.
To stop this action from being taken, you must make payment immediatley.

Please not that in accordance with our trading terms an administration chare will be made for each missed payment reminder.
13/06/13 simplybe
statement enclosed ,An overdue amount of £313.14 is due now . Please contact reliable collections to arrange payment if no payment is recieved within 14 days £12 will be added to this statement


[COLOR="Red"]14/06/2013 from Reliable collections,

TAKE NOTICE
We have been instructed by our client simply be to consider passing your account to a nationwide doorstep debt collection company who may visit you at your address to collect the above debt.

you have made this necessary,as you have failed to contact simply be or us to make payment or offer any payments for doing so.

You have 7 days to make your payment or to offer a repayment plan-we are prepared to accept instalments that suit your circumstances but you need to make contact with us urgently to agree such proposals
26/06/2013 reliable collections ltd

APPOINTMENT

we have made an appointment to contact you at your home Wednesday between 6.00 and 8.00pm.
If this is not convenient call our hotline on 0844 854 0078



URGENT NOTICE-DO NOT IGNORE

Serious arrears on a blalance of £2323.57
arrears are now £539.37

All attempts to communcate with you at this address have failed. As a result we have undertaken investigations to understand your whereabouts and sources have comfirmed that you are still residnet.

This debt will not go away.

to enable us to help you please contact our trained advisors to scuss your situation.
Please not that in accordance with our clients trading terms an administration charge of £12.00 has been added to your balance.

24/07/2013 Reliable colections ltd

IMPORTANT-YOU SHOULD READ THIS NOTICE CAREFULLY

outstanding balance, £2335.57 Now Due £539.37 Our client simply be

Your conduct in this matter is unacceptable and will not be tolerated.
Our client has delivered goods to your address and little effort has been made to pay for them.
We are currently considering further steps to recover the debt which may result in us commencing court proceedings.
Take notice that a payment needs to be paid within the next 48 hours to prevent further action.

Call now on 000000000000 to discuss your proposals and make a payment

update