spent2much UE diary

[Spent2much]

Re: spent2much UE diary

update. I will send doorstep threat letter

shall i send a doorstep threat letter or wait until they get in touch again ?

[Spent2much]

Re: spent2much UE diary

update. I will send doorstep threat letter, or wait and see what they send next ?

update

[nightwatch]

Re: spent2much UE diary

have you not sent one to them before? if not include it with the one liner

[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 sent
1/9/12 account passed to Fredrickson
21/9/12 Fredrickson demanding payment
24/9/12 sent account sold while in dispute letter to Fredrickson and also to Cap One
6/10/12 from Fredrickson account on hold while they refer back to Cap One
10/10/12 Fredrickson ,.their client has complied with the cca request 16th July 2012
(we have not received a thing)
12/10/12 threat of court action
15/10/12 sent letter before action.
22/10/12 Fredrickson threat before action postcard
24/10/12 Fredrickson ,they have referred 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 Cap One to re-send the two letters they said they sent in July and Oct 2012
08/02/13 from Cap One
Thank you for your recent letter.
I would like to be able to help you with your query, but unfortunatley you did not sign letter.
To enable me to answer your query, please write to us at the address belwo including an 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 throught 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 is to have to to the trouble of contacting us again. However, we need to do this to protect the security of your account and personal detals.

02/03/2013 from Bryan Carter solicitors LLP

We write with regard to theis outstanding debt.
Payment must be made in full withing the next fourteen days failing which we will remommend to our client that proceedings be issued without further notice.
Sould proceedings be issued, additional charges will be added to the existing balance as shown below.
Outstanding balance £467.90
Interest £37.90
Court fees £30.00
Solicitors costs £50.00
New £585.33 if proceedings are issued.
If you dispute liability for this debt please state your reasons in writing
and supply us with documents in support of your defence to any claim.
Before the account is referred to us to litigate you still have an
opportunity to contact fredrickson Internationl Ltd with your payment
proposals. In order to avoid further action you should telephone them .

This is a serious matter and you should seek independent legal advice.

4/3/13 sent sold while in dispute to Bryan Carter

08/03/2013 from Bryan Carter solicitors

We write further to your letter dated 4 March 2013, the contents of which we note.

We believe that our client has complied with the Pre-Action Protocol so far as it applies to this matter.

For the avoidance of doubt however the monies due may be paid to our client's debt collection agents, Fredrickson International Limited, by direct debt, bank standing order, cash, cheque, debit card, payment card or postal order. Please see Fredrickson International Limited's notepaper for details of their address ad telephone number.

You may contact us between .....bla bla bla

We confirm that a list of organisations where independent advice could be obtained was provided on the overleaf of Fredricksons notepaper.

In relation to your request for documents, it is our client's policy to provided agreements to its customers at the point of contract and statements throughout and therefore you have already been provided with validation of the debt.

Our client confirms that they have fulfilled their obligations under section 78 of the consumer credit act 1974 in their letter to you dated 16 July 2012 and the debt remains enforceable .

At this time we have no instructions to litigate this account, however if Fredrickson International Limited does not hear from you with your payment proposals by 21 March 2013 we will seek further instructions from our client.
28/03/13 from Fredrickson International
Despite a recent letter from Bryan carter Solicitors you have failed to
discharge your debt with our client Capital One (europe)plc. We are
We are prepared to offer you one final opportunity to pay before recommending to our client that they instruct solicitors to issue a claim at your address.
At this late stage, and as a gesture of goodwill, we are prepared to accept a full and final settlement on this account provided that you contact us within 48 hours of reciept of this letter.

3/7/13 Cap One

PLEASE BE AWARE your account has moved

I am writing to advise you that your account is no longer being managed by the Debt Collection Agency who were acting on behalf of Capital One.

Please work with us to reduce your debt

It is important that you continue to make payments to your account. Payments should be made directly to Capital One unless otherwisde notified. Please see attached for payment methods.

Already settled ?

Please disregard this letter if you have agreed a settlement figure with the Debt collection agency and have made tht payment.

Have questions or need help?

If you have any questions please call us .


2/8/13 Capital One

I am writing to inform you that capital one have sold your account to Lowell Portfolio l Ltd, All contact about your account should now be with Lowell Portfolio l Ltd who will write you to provide details of how they can be contacted and how payments can be made.

Lowell will start reporting against your credit file within 30 days of you receiving this letter.

The outstanding balance on your account as at 18/07/2013 was £467.90 and this balance will be passed along with any payments or spend to Lowell .

02/08/2013 Lowell Prtfolio l Ltd

introduction of who they are and explaining when the account was bought by them and how they are entitled to receive payment of the outstanding balance.

How much owed how to contact them to arrange a monthly repayment plan

Please call to discuss how to repay the account

.

17/08/2013 Lowell financial

Lowell Protfolio wrote recently to tell you they have bought the outstanding balance you had with cap one ,You have not yet cleared the outstanding balance or entered into a repayment plan, so they have asked us to get in touch.

We can help you clear this outstanding balance and repaying your debt may help to improve your credit rating.

What you need to do now
Its very important that you do one of the following things asap

pay in full
contact us

Phone us now to clear you balance

20/08/2013 sent sold while in dispute letter to Lowell financial

02/09/2013 Lowell Financial

We want to help you clear your account
We still haven't agreed a repayment plan for the outstanding balance you have with us.

The longer you leave getting in touch or paying off the balance, the more you risk further action being taken against you including legal action. We may also ask one of our agents to arrange a time to visit you at your home do discuss your account and repayment of your debt if we don't hear from you. So please phone us on 00000000 as as.

The simplest way to pay
direct debt
blah blah blah

Call us straight away
It really is important that we har from you. Your outstanding balance may be affecting your ability to obtain all forms of credit inlcuding loans blaha blah

update

[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.

30/08/2013 Westcot

We have previously advised you that one of the actions we were considering on your account was a doorstep collection visit
to your home address to recover the outstanding balance.
As we know of no genuine reason why you have failed to repay the outstanding balance, instructions will now be provided to Scotcall, a doorstep agency, to make an appointment with you to visit your home address. The purpose of the visit is to agree with you how you will repay this debt.

You have a final opportunity to avoid referral to Scotcall by telephoning the number above .

02/09/2013 sent doorstep visit complaint letter to Westcot

update

[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 sent
1/9/12 account passed to Fredrickson
21/9/12 Fredrickson demanding payment
24/9/12 sent account sold while in dispute letter to Fredrickson and also to Cap One
6/10/12 from Fredrickson account on hold while they refer back to Cap One
10/10/12 Fredrickson ,.their client has complied with the cca request 16th July 2012
(we have not received a thing)
12/10/12 threat of court action
15/10/12 sent letter before action.
22/10/12 Fredrickson threat before action postcard
24/10/12 Fredrickson ,they have referred 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 Cap One to re-send the two letters they said they sent in July and Oct 2012
08/02/13 from Cap One
Thank you for your recent letter.
I would like to be able to help you with your query, but unfortunatley you did not sign letter.
To enable me to answer your query, please write to us at the address belwo including an 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 throught 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 is to have to to the trouble of contacting us again. However, we need to do this to protect the security of your account and personal detals.

02/03/2013 from Bryan Carter solicitors LLP

We write with regard to theis outstanding debt.
Payment must be made in full withing the next fourteen days failing which we will remommend to our client that proceedings be issued without further notice.
Sould proceedings be issued, additional charges will be added to the existing balance as shown below.
Outstanding balance £467.90
Interest £37.90
Court fees £30.00
Solicitors costs £50.00
New £585.33 if proceedings are issued.
If you dispute liability for this debt please state your reasons in writing
and supply us with documents in support of your defence to any claim.
Before the account is referred to us to litigate you still have an
opportunity to contact fredrickson Internationl Ltd with your payment
proposals. In order to avoid further action you should telephone them .

This is a serious matter and you should seek independent legal advice.

4/3/13 sent sold while in dispute to Bryan Carter

08/03/2013 from Bryan Carter solicitors

We write further to your letter dated 4 March 2013, the contents of which we note.

We believe that our client has complied with the Pre-Action Protocol so far as it applies to this matter.

For the avoidance of doubt however the monies due may be paid to our client's debt collection agents, Fredrickson International Limited, by direct debt, bank standing order, cash, cheque, debit card, payment card or postal order. Please see Fredrickson International Limited's notepaper for details of their address ad telephone number.

You may contact us between .....bla bla bla

We confirm that a list of organisations where independent advice could be obtained was provided on the overleaf of Fredricksons notepaper.

In relation to your request for documents, it is our client's policy to provided agreements to its customers at the point of contract and statements throughout and therefore you have already been provided with validation of the debt.

Our client confirms that they have fulfilled their obligations under section 78 of the consumer credit act 1974 in their letter to you dated 16 July 2012 and the debt remains enforceable .

At this time we have no instructions to litigate this account, however if Fredrickson International Limited does not hear from you with your payment proposals by 21 March 2013 we will seek further instructions from our client.
28/03/13 from Fredrickson International
Despite a recent letter from Bryan carter Solicitors you have failed to
discharge your debt with our client Capital One (europe)plc. We are
We are prepared to offer you one final opportunity to pay before recommending to our client that they instruct solicitors to issue a claim at your address.
At this late stage, and as a gesture of goodwill, we are prepared to accept a full and final settlement on this account provided that you contact us within 48 hours of reciept of this letter.

3/7/13 Cap One

PLEASE BE AWARE your account has moved

I am writing to advise you that your account is no longer being managed by the Debt Collection Agency who were acting on behalf of Capital One.

Please work with us to reduce your debt

It is important that you continue to make payments to your account. Payments should be made directly to Capital One unless otherwisde notified. Please see attached for payment methods.

Already settled ?

Please disregard this letter if you have agreed a settlement figure with the Debt collection agency and have made tht payment.

Have questions or need help?

If you have any questions please call us .


2/8/13 Capital One

I am writing to inform you that capital one have sold your account to Lowell Portfolio l Ltd, All contact about your account should now be with Lowell Portfolio l Ltd who will write you to provide details of how they can be contacted and how payments can be made.

Lowell will start reporting against your credit file within 30 days of you receiving this letter.

The outstanding balance on your account as at 18/07/2013 was £467.90 and this balance will be passed along with any payments or spend to Lowell .

02/08/2013 Lowell Prtfolio l Ltd

introduction of who they are and explaining when the account was bought by them and how they are entitled to receive payment of the outstanding balance.

How much owed how to contact them to arrange a monthly repayment plan

Please call to discuss how to repay the account

.

17/08/2013 Lowell financial

Lowell Protfolio wrote recently to tell you they have bought the outstanding balance you had with cap one ,You have not yet cleared the outstanding balance or entered into a repayment plan, so they have asked us to get in touch.

We can help you clear this outstanding balance and repaying your debt may help to improve your credit rating.

What you need to do now
Its very important that you do one of the following things asap

pay in full
contact us

Phone us now to clear you balance

20/08/2013 sent sold while in dispute letter to Lowell financial

02/09/2013 Lowell Financial

We want to help you clear your account
We still haven't agreed a repayment plan for the outstanding balance you have with us.

The longer you leave getting in touch or paying off the balance, the more you risk further action being taken against you including legal action. We may also ask one of our agents to arrange a time to visit you at your home do discuss your account and repayment of your debt if we don't hear from you. So please phone us on 00000000 as as.

The simplest way to pay
direct debt
blah blah blah

Call us straight away
It really is important that we har from you. Your outstanding balance may be affecting your ability to obtain all forms of credit inlcuding loans blaha blah

3/9/13 Lowell Porfolio l
We thank you for your recent letter and apologise for the delay in replying.

Your comments with regards to the fact that the account is in dispute with Cap One as they failed to acknowledge your CCA request.. We have queried this with Cap One and will advise you of their response upon receipt.

In the meantime we have requested a copy of the CCA in accordance with S77-79 together with statements.

update

[vint1954]

Re: spent2much UE diary

update

Just a one liner referring them to your last letter

[vint1954]

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)

No action on this one

[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.

31/12/2012 sent SWID to fairfax
19/01/2013 resent SWID to fairfaz
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.




12/03/12 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 .

09/08/2013 Robinson way

Despite numerous attempts to contact you, the above account still remains unpaid.

If you are having difficulties and need help or advice with your finances you can contact us or several organisations that can offer free impartial advice , details below

we can still agree an affordable payment plan with you. call us on the above number.

30/08/2013 Robinson Way

We have sent you a number of letters, tried to telephone you, and our doorstep agent may have called at your home, but your account remains unpaid.
The full balance is due and payable. but this may not be affordable.
NOTE We can offer a reduction to the balance you owe to settle this account depending upon your circumstances. To help you settle this account you may even be able to pay the reduced balance by instalments you can afford, and will be able to maintain.
Call us now to take advantage of this
02/09/13 resent letters of copies of complaint to Halifax and Robbers way
7/9/13 Halifax We have not been able to agree a repayment plan your account has been transferred to Westcot

update

[Still Waving]

Re: spent2much UE diary

Another little victory.

[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 sent
1/9/12 account passed to Fredrickson
21/9/12 Fredrickson demanding payment
24/9/12 sent account sold while in dispute letter to Fredrickson and also to Cap One
6/10/12 from Fredrickson account on hold while they refer back to Cap One
10/10/12 Fredrickson ,.their client has complied with the cca request 16th July 2012
(we have not received a thing)
12/10/12 threat of court action
15/10/12 sent letter before action.
22/10/12 Fredrickson threat before action postcard
24/10/12 Fredrickson ,they have referred 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 Cap One to re-send the two letters they said they sent in July and Oct 2012
08/02/13 from Cap One
Thank you for your recent letter.
I would like to be able to help you with your query, but unfortunatley you did not sign letter.
To enable me to answer your query, please write to us at the address belwo including an 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 throught 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 is to have to to the trouble of contacting us again. However, we need to do this to protect the security of your account and personal detals.

02/03/2013 from Bryan Carter solicitors LLP

We write with regard to theis outstanding debt.
Payment must be made in full withing the next fourteen days failing which we will remommend to our client that proceedings be issued without further notice.
Sould proceedings be issued, additional charges will be added to the existing balance as shown below.
Outstanding balance £467.90
Interest £37.90
Court fees £30.00
Solicitors costs £50.00
New £585.33 if proceedings are issued.
If you dispute liability for this debt please state your reasons in writing
and supply us with documents in support of your defence to any claim.
Before the account is referred to us to litigate you still have an
opportunity to contact fredrickson Internationl Ltd with your payment
proposals. In order to avoid further action you should telephone them .

This is a serious matter and you should seek independent legal advice.

4/3/13 sent sold while in dispute to Bryan Carter

08/03/2013 from Bryan Carter solicitors

We write further to your letter dated 4 March 2013, the contents of which we note.

We believe that our client has complied with the Pre-Action Protocol so far as it applies to this matter.

For the avoidance of doubt however the monies due may be paid to our client's debt collection agents, Fredrickson International Limited, by direct debt, bank standing order, cash, cheque, debit card, payment card or postal order. Please see Fredrickson International Limited's notepaper for details of their address ad telephone number.

You may contact us between .....bla bla bla

We confirm that a list of organisations where independent advice could be obtained was provided on the overleaf of Fredricksons notepaper.

In relation to your request for documents, it is our client's policy to provided agreements to its customers at the point of contract and statements throughout and therefore you have already been provided with validation of the debt.

Our client confirms that they have fulfilled their obligations under section 78 of the consumer credit act 1974 in their letter to you dated 16 July 2012 and the debt remains enforceable .

At this time we have no instructions to litigate this account, however if Fredrickson International Limited does not hear from you with your payment proposals by 21 March 2013 we will seek further instructions from our client.
28/03/13 from Fredrickson International
Despite a recent letter from Bryan carter Solicitors you have failed to
discharge your debt with our client Capital One (europe)plc. We are
We are prepared to offer you one final opportunity to pay before recommending to our client that they instruct solicitors to issue a claim at your address.
At this late stage, and as a gesture of goodwill, we are prepared to accept a full and final settlement on this account provided that you contact us within 48 hours of reciept of this letter.

3/7/13 Cap One

PLEASE BE AWARE your account has moved

I am writing to advise you that your account is no longer being managed by the Debt Collection Agency who were acting on behalf of Capital One.

Please work with us to reduce your debt

It is important that you continue to make payments to your account. Payments should be made directly to Capital One unless otherwisde notified. Please see attached for payment methods.

Already settled ?

Please disregard this letter if you have agreed a settlement figure with the Debt collection agency and have made tht payment.

Have questions or need help?

If you have any questions please call us .


2/8/13 Capital One

I am writing to inform you that capital one have sold your account to Lowell Portfolio l Ltd, All contact about your account should now be with Lowell Portfolio l Ltd who will write you to provide details of how they can be contacted and how payments can be made.

Lowell will start reporting against your credit file within 30 days of you receiving this letter.

The outstanding balance on your account as at 18/07/2013 was £467.90 and this balance will be passed along with any payments or spend to Lowell .

02/08/2013 Lowell Prtfolio l Ltd

introduction of who they are and explaining when the account was bought by them and how they are entitled to receive payment of the outstanding balance.

How much owed how to contact them to arrange a monthly repayment plan

Please call to discuss how to repay the account

.

17/08/2013 Lowell financial

Lowell Protfolio wrote recently to tell you they have bought the outstanding balance you had with cap one ,You have not yet cleared the outstanding balance or entered into a repayment plan, so they have asked us to get in touch.

We can help you clear this outstanding balance and repaying your debt may help to improve your credit rating.

What you need to do now
Its very important that you do one of the following things asap

pay in full
contact us

Phone us now to clear you balance

20/08/2013 sent sold while in dispute letter to Lowell financial

[COLOR=#ff0000]02/09/2013 Lowell Financial

We want to help you clear your account
We still haven't agreed a repayment plan for the outstanding balance you have with us.

The longer you leave getting in touch or paying off the balance, the more you risk further action being taken against you including legal action. We may also ask one of our agents to arrange a time to visit you at your home do discuss your account and repayment of your debt if we don't hear from you. So please phone us on 00000000 as as.

The simplest way to pay
direct debt
blah blah blah

Call us straight away
It really is important that we har from you. Your outstanding balance may be affecting your ability to obtain all forms of credit inlcuding loans blaha blah

3/9/13 Lowell Porfolio l
We thank you for your recent letter and apologise for the delay in replying.

Your comments with regards to the fact that the account is in dispute with Cap One as they failed to acknowledge your CCA request.. We have queried this with Cap One and will advise you of their response upon receipt.

In the meantime we have requested a copy of the CCA in accordance with S77-79 together with statements.

13/09/13 Lowell- news on your credit agreement request
We have been in touch with Cap One about the copy of your credit agreement.

They have let us know they are trying to retrieve the agreement from their archive .As soon as we have it, we will send it to you.

What will happen next

In the event we cannot obtain a copy of the agreement we will write to you again and inform of this . Once you have seen your credit agreement , we will ask you to pay your outstanding balance in full
20/09/2013-Lowell we are waiting for the agreement when we have it we will send it to you, in the meantime the account is hold .

update

[Pixie]

Re: spent2much UE diary

Just wait and see what they send.

[Spent2much]

Re: spent2much UE diary

[QUOTE=Spent2much;206736]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.

30/08/2013 Westcot

We have previously advised you that one of the actions we were considering on your account was a doorstep collection visit
to your home address to recover the outstanding balance.
As we know of no genuine reason why you have failed to repay the outstanding balance, instructions will now be provided to Scotcall, a doorstep agency, to make an appointment with you to visit your home address. The purpose of the visit is to agree with you how you will repay this debt.

You have a final opportunity to avoid referral to Scotcall by telephoning the number above .

02/09/2013 sent doorstep visit complaint letter to Westcot
19/9/13 westcot- they have completely ignored my doorstep visiit complaint letter .


The opportunity to take control of your oustanding balance
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 start making an acceptable payment against your balance or that you don't know how best to manage your way through your current liabilities.

usual crap about ways they can help blah blah blah

[Spent2much]

Re: spent2much UE diary

[QUOTE=Spent2much;344256]

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.

30/08/2013 Westcot

We have previously advised you that one of the actions we were considering on your account was a doorstep collection visit
to your home address to recover the outstanding balance.
As we know of no genuine reason why you have failed to repay the outstanding balance, instructions will now be provided to Scotcall, a doorstep agency, to make an appointment with you to visit your home address. The purpose of the visit is to agree with you how you will repay this debt.

You have a final opportunity to avoid referral to Scotcall by telephoning the number above .

02/09/2013 sent doorstep visit complaint letter to Westcot
19/9/13 westcot- they have completely ignored my doorstep visiit complaint letter .


The opportunity to take control of your oustanding balance
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 start making an acceptable payment against your balance or that you don't know how best to manage your way through your current liabilities.

usual crap about ways they can help blah blah blah

update

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)husband's

Date commenced (2005) i put 2005 but they may be before this also

Approx balance.( £1,284.70

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status ( cca being sent )

Account owner (1st credit ) original creditor LloydsTSB.
9/7/12 cca request
received today 06/10/2012

21/9/12 account sold to cabot


heard nothing since from both Cabot or 1st credit

29/6/13 from Cabot
Recall of your account from 1st credit

we would like to inform you that the Cabot Credit Management Group have now recalled your from 1st credit

All payments should now be made directly to cabot with immediate effect.

Choice of payment methods

direct debit
credit of debit card
standing order
online banking
cash or cheque at a post office or payzone using cabot payment card.

contacting cabot

The most important thing for you to do now is to contact us. Call 0800

6/9/13 from Cabot a replica of the above but this added

If you don't contact us to agree a suitable repayment plan we'll have to move your account to the next stage of our collections process.

update