spent2much UE diary

[Pixie]

Re: spent2much UE diary

So would I.

[Spent2much]

Re: spent2much UE diary

I would S2M

you know I have said this before and I say it again every time I see your avatar it really cheers me up its so cool

[Pixie]

Re: spent2much UE diary

It was 50 years ago

[nightwatch]

Re: spent2much UE diary

careful Pixie, careful

[Spent2much]

Re: spent2much UE diary

It was 50 years ago

the smile is still there though

[Pixie]

Re: spent2much UE diary

It was 50 years ago

Sorry...my fault. I meant to post that comment on s2m's "can anyone help" thread

I wasn't referring to you (or Muttley) NW

[Pip]

Re: spent2much UE diary

you know I have said this before and I say it again every time I see your avatar it really cheers me up its so cool

I'm a big fan of Diddlydee's!

[nightwatch]

Re: spent2much UE diary

diddlys is a hoot if you watch it while listening to music

[nightwatch]

Re: spent2much UE diary

Sorry...my fault. I meant to post that comment on s2m's "can anyone help" thread

I wasn't referring to you (or Muttley) NW

it's ok Pixie, I was cool many years ago, could even break dance, break my bloody neck bending over now, and need help getting up off the floor

[vint1954]

Re: spent2much UE diary

Sounds like a new club coming up nightwatch.

The HELP I CANT GET UP OFF THE FLOOR CLUB. Sign me up.

[Pixie]

Re: spent2much UE diary

I don't need to join that club (yet)...I'm quite agile

[vint1954]

Re: spent2much UE diary

I don't need to join that club (yet)...I'm quite agile

Good for you Pixie. I seem to have got to 30 and everything broke

[Pixie]

Re: spent2much UE diary

Good for you Pixie. I seem to have got to 30 and everything broke

[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 sent

28/9/12 from Halifax account passed to BLS 3/8/12
14/11/12 payment reminder
28/11/12 sent cca reminder to bls
13/12/12 BLS saying statements enclosed as requested
14/12/12 BLS essential that i contact them
24/12/12 Halifax account passed to DrysdenFairfax
31/12/12 from DrysdenFairfax threatening letter to pay , court action , charge on house,
31/12/12 account sold while in dispute letter to drysdenfairfax
letter not received by drysdenfairfax according to post office website.
19/1/13 resent sold in dispute letter , sent by recorded delivery .
24/1/13 threatening letter from drysdenfairfax
16/2/13 from drysdenfairfax offer of settlement
29/04/13 Halifax
Account transferred to Westcot Credit Services Litd

29/04/13 account sold while in dispute letter to westcot


07/05/13 Westcot
We have been instructed by our client to collect the outstanding balance on their behalf.
You should read both sides of this notice carefully, follow the instructions and reply IMMEDIATELY.If you have any queries or any of the information supplied is incorrect, please contact us .
TO AVOID WESTCOT TAKING FURTHER ACTION, YOU MUST:
PAY THE DEBT IN FULL TO WESTCOT OR 2. CONTACT US ON BLAH BLAH BLAH
15/05/2013 westcot FINAL NOTICE
our latest enquiries have now confirmed that you are still resident at this address but we have not received a reply to our previous corrospondence.

Unless you contact us to agree repayment of £248.46 within the next 10 days, further collection activity will be taken to recover the full outstanding balance,

please do not ignore this letter as this could result in further action being taken to recover the debt.


18/05/2013 sent OD SWID to westcot

31/05/13 Westcot

We acknowledge that have raised a query on this account and we would like to confrim to you how this will be investigated.

We will suspend all collections activity on the above account whilst the matter is under investigation.This means that we will not write to you, or telephone you in pursuit of the account whilst it is being investigated.

10/06/2013 westcot
We refer to your recent communication. Having contacted our client they have advised that the above balance is correct and due for payment .They state that the above balance relates to a current account, therefore no credit agreement is available.

In the circumstances, we believe the dispute has now been resolved and the full balance or an agreed monthly instalment is required by return. Payment can be made by direct debit or online

If in the event you believe you still have a valid dispute , please contact us with the details within the next 14 days otherwise your account will be returned to our recovery team for collection

5/8/13 westcot

As a final attempt to avoid further action, our client has agreed that we can offer you a discount to settle your account.

This offer is only available for a limited period so you should contact us by the 11/08/2013 to agree a suitable settelememt , or the offer will be withdrawn and further action will continue to recever the full outstanding balance of £248.46.

If you are unable to take advantage of this offer, we will still consider a realistic repayment plan and you should contact us urgently to discuss your options. Unless a suitable arrangement plan is reached within 10 days of the date of this letter, (01/08/2013), further recovery action will be taken.


21/08/2013 from westcot
we understand that there may be many reasons why you have not responded to us in relation to this account.
You may feel that you are not in a position to stat making an acceptable payment against your balance or that you don't know how best to manage your way through you current liabilities.

Westcot are specialists in establishing repayment plans that best suit the needs of both our clients and their customers. For the overwhelming majority of customers that contact us we are able to make an arrangement tailored to each customer's financial circumstances.
We would therefore like to offer you the opportunity to repay this account via regular manageable instalments which will be both sustainable and affordable given your current circumstances.

what this means for you.....

an opportunity to take control with re-payments that you agree and that you can afford over a period of time.
no further phone calls, letters, text messages or home visits from Westcot or their appointed agents, providing you keep to the plan for this account.
The potential to improve you credit rating and increase your chances of obtaining future credit.

This debt will not go away and now is the best time to act. To take up the offer you need to contact us at the number above where one of our dedicated operators will help you make a fresh start.

update, i'm overwhelmed with emotion at the kindess of this letter (NOT) :

[vint1954]

Re: spent2much UE diary

Obviously just ignore