spent2much UE diary

[Spent2much]

Re: spent2much UE diary

If it were me I would just ignore it.

If they're making reduced settlement offers they're unlikely to take legal action. They're just trying to scare you..."further recovery action" often just means more letters.

Hi,
I have just printed out a SWID letter as they haven't had one yet , its going in the envelope with another SWID letter to Westcot for another account , would you still send it or just leave it now ?

[Pixie]

Re: spent2much UE diary

In post #1244 you said that you couldn't send SWID because they'd already had it

If you do send it, I would send it separately to the other.

[Spent2much]

Re: spent2much UE diary

In post #1244 you said that you couldn't send SWID because they'd already had it

If you do send it, I would send it separately to the other.

i really am confused with these accounts tbh i think i will leave it see what they send , i'm not very good at this

What happened with this account was one dca passed it back to Halifax and at the same time westcot were handed by Halifax so i am confused , its getting on my nerves lol

[nightwatch]

Re: spent2much UE diary

S2M reading your post robbersways letter says they passed it back to their client, who by then had passed it on to wescot, so wescot have NOT had a SWID letter for the account

[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
31/7/2013 sent a letter to Reliable collections reminding them the account is UE and has been since 9/7/2012 when they failed to send the original CCA, what they did send was an application form filled in by simpybe staff.

9/08/2013 from simply be

monthly statement.

9/08/2013 from simply be

Details of the agreement

Since 12.07/2001 you have operated a credit account with us , two copies of the agreement were went to you with your first statement which detailed the tems of and conditions on which we had agreed to provide you with credit. You purchased goods from our catalogue using the credit account and you been sent a statement of your account every 28 days which details the sums outstanding (the ''Agreement'').

Breach of the agreement

In breach of clause 6 of the agreement you have failed to pay to us the account. The balance on your account is £2400.78 and the arrears are £539.37.

action to be taken

In order to remedy the breach, you must pay the sum of £539.37 to us on or before 27/08/2013(being21 days from the date of this letter) and continue to pay the sums due under your agreement. You can make payment by calling us bla bla bla

IF THE ACTION REQUIRED BY THIS NOTICE IS TAKEN BEFORE THE DATE SHOW NO FURTHER ENFORECEMENT WILL BE TAKEN IN RESPECT OF THE BREACH.

If you fail to take action

IF YOU DO NOT TAKE THE ACTION REQUIRED BY THIS NOTICE BEFORE DATE SHOWN THEN THEY FURTHER ACTION SET OUT BELOW MAY BE TAKEN AGAINST YOU .

we shall, in accordance with paragraph a of the agreement, demand that you pay to us the whole amount owing under the agreement immediately, and we may terminate the agreement.


Time order

If you have difficulty in paying nay sum owing under the agreement or taking any other action required by this notice, you can apply to the court which may make an order allowing you or any surety more time.


General

We enclose a copy of OFT Guidance on Default Notices for your information.

16/08/2013 from simplybe

Thank you for your letter dated 29th July 2013, which we received on the 2nd August 2013, the content of which has been noted.

We cannot locate a copy of the signed agreement at this time.

In light of your comments we can confirm that all collections activity will now cease. If , which is not admitted, the agreement is unenforceable under the Consumer Credit Act 1974 due to your allegation that you failed to sign it, the consequences are that the creditor maybe prevented from taking steps to enforce the debt, however, we would point out that the agreement is not void and the debt still exists in fact.

On this basis, the fact that non-payment will be registered with the credit reference agencies and will remain for a period of 6 years. Please note that, this may make it difficult for you to obtain any form of credit in the future.
05/10/2013 Fredrickson International
We are authorised to contact you by JD Williams to secure repayment of this debt and all communications must now be with us.

To avoid further debt recovery action our client requires payment of £2.400.78.

YOU MUST CONTACT US NOW to discuss the matter further.

For your convenience we offer a variety of payment methods. Full details are set out on the revers of this letter.


12/10/2013 -FREDRICKSON INTERNATIONAL

LETTER BEFORE ACTION

There remains a balance outstanding on this account and legal action is now being considered . Should it be necessary to instruct solicitors to issue proceedings in the County Court, further additional amounts will be claimed which may increase the balance outstanding.

threat of courts cost and CCj's and none payment and bailiff ect .

19/10/2013 FROM Fredrickson International Ltd

CONFIRMED RESIDENT

This account is seriously in arrears and you have failed to reply to correspondence or make a payment arrangement despite trace enquiries showing you as living at this address.
Contact us now on 0845 to arrange payment or your account will be passed to solicitors with aurthorisation to proceed with immediate litigation proceedings against you at the above address.

I think this needs immediate reply and I am really stressed right now my dad is really ill , can't cope

[Spent2much]

Re: spent2much UE diary

I think this needs immediate reply and I am really stressed right now my dad is really ill , can't cope

and how come simply be are still selling this account onto dca when they only said the following a few weeks ago ..
16/08/2013 from simplybe

Thank you for your letter dated 29th July 2013, which we received on the 2nd August 2013, the content of which has been noted.

We cannot locate a copy of the signed agreement at this time.

In light of your comments we can confirm that all collections activity will now cease. If , which is not admitted, the agreement is unenforceable under the Consumer Credit Act 1974 due to your allegation that you failed to sign it, the consequences are that the creditor maybe prevented from taking steps to enforce the debt, however, we would point out that the agreement is not void and the debt still exists in fact.

update

[Pixie]

Re: spent2much UE diary

Please try not to stress over this...your father is far more important.

How can they take legal action when they can't find the agreement?

Did you write to Fredrickson's as alland suggested in post #1240?

[Spent2much]

Re: spent2much UE diary

Please try not to stress over this...your father is far more important.

How can they take legal action when they can't find the agreement?

Did you write to Fredrickson's as alland suggested in post #1240?

thank you , yes I did but I must have forgotten to update my diary I am forgetting loads of stuff lately

[Pixie]

Re: spent2much UE diary

It's probably crossed in the post with Fredrickson's letter then as there's only a week between the last letter you got from them and this.

You could either ignore the latest letter or send http://www.all-about-debt.co.uk/old/...nce-litigation to Fredrickson's just to confirm that they're wasting their time.

[Deepie]

Re: spent2much UE diary

update

Regarding post 1251

Anybody that hassles you just send this ---? Letter Previously Confirming No CCA with a copy of that letter you have

[Pixie]

Re: spent2much UE diary

Deepie's reply is a better option

[Spent2much]

Re: spent2much UE diary

Regarding post 1251

Anybody that hassles you just send this ---? Letter Previously Confirming No CCA with a copy of that letter you have

thank you Deepie I will send this and send it today so I don't forget and update my diary too :0

[Spent2much]

Re: spent2much UE diary

Deepie's reply is a better option

Thank you Pixie lol

[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
23/10/23013-Lowell - Cap One cannot locate the agreement due the age of the account so Lowell's are closing the account .will not make contact unless agreement is received .

update

[cymruambyth]

Re: spent2much UE diary

Great news