I have ignored you on several occasions, a solution will not be agreed, the discount is unacceptable, I will consider a 100% discount and closure of the account,
Save your postage, don't contact me, I won't be replying
Enjoy your weekend
NW x
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Dear Westcot.
I have ignored you on several occasions, a solution will not be agreed, the discount is unacceptable, I will consider a 100% discount and closure of the account,
Save your postage, don't contact me, I won't be replying
Enjoy your weekend
NW x -
[QUOTE=Stevo62;n1539399]
Debt 9 Account Idem Capital Securities
Personal Loan Lloyds TSB
Approx balance £820
Last payment June 10th 2020
CCA request sent 3rd of April, letter received from Idem 15/04/20 acknowledging CCA request, unfortunately we are unable to supply a copy of the credit agreement,
until we do your agreement cannot be enforced, you are free to take whatever action you consider appropriate but we will not be releasing you from any obligation under the agreement. Nothing further to date (06/07/20.
21/09/20 Letter received from Idem - DMP No payment received
Please get in touch to confirm whether S/C debt charity are still assisting you with your financial matters and if you wish to continue payments in line with the previously agreed arrangement.
If you prefer to discuss a new payment arrangement directly with us please contact us on 08..... (Filed)
06/11/20 Letter received from Idem -
As yet we still have not been able to speak with you to discuss your circumstances and establish an ongoing arrangement for your account ...... This matter is now urgent, please contact us.... (Filed)
13/03/21 Letter received from Idem -
We are increasingly concerned that we have not been able to speak to you about your account.
We are keen to speak to you in order to understand your situation so that we can place you on the most appropriate payment agreement.
Failure to make contact with us may result in the following actions - (Plural)
1) Your account may be placed with an external DCA
2) There is no 2 ? (Filed)
24/03/21 Letter received from Idem -
Due to non payment of your account we have instructed Wescot Credit Services Ltd to collect the outstanding balance, you will be contacted by Wescot shortly to come to a mutually acceptable arrangement.
If you do not wish to be contacted by Wescot please contact us within 12 days of the date of this letter to agree an on going payment plan. (Filed)
09/04/21 Letter received from Wescot -
Dear ..... ....
Wescot are a specialist debt collection agency and we have bee instructed by our client, Idem Servicing, to make contact with you to discuss the outstanding balance and the options available ...........(Filed)
Last edited by Stevo62; 14 April 2021, 20:09.
08/05/21 Letter received from Wescot -
We have written to you on several occasions asking you to contact us about this account, however to date we have not yet agreed a solution. In an attempt to close this matter our client has agreed we can offer a 25% discount to settle your account. (Filed)Last edited by Stevo62; 8 May 2021, 12:52.Leave a comment:
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I too had been threatened by a DCA, they were going to take my home and put my children on the streets, according to Miss Ahbah, not her real name, from 1st Credit.
But being the little sh1t I am, I took up the gauntlet and smacked her in the face.
Wrote a strong letter of complaint, said I had recorded the call was going to take it as high as I could.
The reply was they would accept my payment of £2.50 till the 12th of never.
I sent for CCA, Niddy stepped in. I claimed PPI and never paid a penny to them again.
what a joy.
??????
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Debt 2 Account Westcot
Personal Loan originally with Santander
Commencement date 2010
Approx balance £3100
Last payment June 10th 2020
CCA request sent 3rd of April, letter received from Westcot 29/04/20 acknowledging CCA request, 18/05/20 second letter received documentation enclosed,
all seems to be in order, then unusually and not to form I receive a third letter on the 29/06/20 from Westcot saying they are now investigating the account
and they will not contact me or collect any monies whilst the investigation takes place, I would have thought this should have been the second letter,
may be the CCA sent should be looked at professionally, I await the outcome of the investigation.
08/03/21 Letter received from Westcot -
Our records show that you have missed a payment on the arrangement we previously agreed with you for this account. The last payment we received on your account was June 2020
Please contact us urgently to discuss this account. (Filed)
17/03 21 Letter received from Wescot -
We wrote to you on the 3rd of March 2021 to advise you have missed your repayment on our previously agreed payment plan for this account.
To date we have no record of receiving a payment from you since the ..th of June and we need to make contact with you to discuss the reasons for this missed payment.
We agreed to take payments by instalment as a means of resolving the outstanding debt in a way that is affordable to you, however this repayment plan has not been maintained.
Please contact us urgently ..........(Filed)
14/04/21 Letter received from Moorcroft Debt Recovery
Your account details have been passed to us from Santander to act as a collection agent and we will now be
dealing with your account, we will be in contact with you in the coming days by letter and/or phone in order to discuss your repayment
options in detail.
14 April 2021, 20:59
Originally posted by Warwick65
Did you ever ask Niddy to look at the cca?
17 April 2021, 10.48
Good morning Warwick
sorry for a slow response, the CCA was sent to Niddy and would seem to be UE, no terms.
17 April 2021, 13:14
Originally posted by Warwick65
So nothing really to do at the moment. I suspect you will get a short lived barrage of calls and letters but you probably know how to deal with them by now.
18 April 2021, 14:42
I agree with Warwick, there's nothing you need to do since the debt is currently unenforceable.
Santander can be slow to sell on their debts so you'll just have to wait it out.
They've already used Westcot Debt Collection Agency, and now Moorcroft, but they'll run out of people to hound you eventually.
It's too soon to send them a SAR but that might be useful further down the line.
Di
28/04/21Letter received from Moorcroft -
To prevent possible further debt recovery action please send payment in full if your able to do so or telephone ...... as soon as possible
so that we can try to agree a repayment arrangement that you can afford and maintain.
If you do not contact us following receipt of this letter we may have no alternative other than to recommend to our client that
they consider possible further debt recovery action such as further letters or telephone calls. please contact us now --- (Filed)
08/05/21 Letter received from Moorcroft -
Monthly instalment offer, if you wish to take advantage of this repayment opportunity please contact our offices... (Filed)
29/05/21 Letter received from Moorcroft -
We are aware that you have failed to agree an affordable repayment plan, .......... as no agreement has been reached we are now in the process of reviewing your account prior to the possible recommending of further debt recovery action to our clients. (Filed)
07/07/21 Letter received from Moorcroft -
DISCOUNT OFFER
Although we have been trying to contact you we cannot trace having reached an agreement with you in relation to your outstanding balance. In a further attempt to prevent the possibility of further debt recovery action being recommended our client has informed us that we may be able to offer you a substantial discount, (doesn't say what).
If you would like to participate please contact us as soon as possible. (Filed)
18/08/21 Letter From Moorcroft -
You could be free of this debt if you call us and agree one of the following options.
Option I - agree an affordable repayment plan.
Option 2 - a substantial discount. (Filed)Last edited by Stevo62; 19 August 2021, 08:31.Leave a comment:
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Thank you, what kind wordsOriginally posted by PlanB View Post
Hello
That is such good news especially since this is a £9k debt!
It's also encouraging to see the decision not to issue legal proceedings against you was as a result of a review of your account which may have meant they realized that this debt is unenforceable.
It's a pity they didn't do that before instructing Judge and Priestly solicitors after having sent you a series of letters threatening you with a county court claim and mentioning a potential charging order on your home, attachment of earnings, warrant of control (bailiffs) and so on.
Well done for not surrendering to their pressure which can feel like bullying at times.
DiLeave a comment:
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Originally posted by Stevo62 View Post
Hello
That is such good news especially since this is a £9k debt!
It's also encouraging to see the decision not to issue legal proceedings against you was as a result of a review of your account which may have meant they realized that this debt is unenforceable.
It's a pity they didn't do that before instructing Judge and Priestly solicitors after having sent you a series of letters threatening you with a county court claim and mentioning a potential charging order on your home, attachment of earnings, warrant of control (bailiffs) and so on.
Well done for not surrendering to their pressure which can feel like bullying at times.
Di
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Debt 4 Account Moorcroft Debt Recovery
Personal loan originally with Sainsburys, has been sold on three or four times since, I believe Intrum Finance Ltd to be the current owner of the debt
Commencement date 2009
Approx balance £9100
Last payment June 10th 2020
CCA request sent 3rd of April, letter received from Moorcroft 15/04/20 acknowledging CCA request and will forward paperwork when they have it,
still nothing to date.
04/09/20 Letter received from Moorcroft
Our records show that we have not received the payment of £... due under your agreed arrangement with the result that you are in arrears for the sum of £..., if you have sent your payment in the last few days and this letter has crossed over then you do not need to take any action.
If you are currently unable to make payment please could you contact us so that we can discuss your current circumstances and make sure that your account continues to be treated correctly. (Filed)
08/09/20 Letter received from Moorcroft - please find enclosed a copy of your agreement, just a single page, will send to Niddy
02/10/20 Letter received from Moorcroft
PLEASE CONTACT US TO DISCUSS YOUR ACCOUNT
We cannot trace having received a recent payment, we are aware that these can be difficult times and it is important we work together.
Contact us now and we would be happy to discuss a repayment programme that you can afford and maintain. In certain circumstances we may also be able to offer a substantial discount from the outstanding balance. (Filed)
The agreement has been reviewed and appears to be UE
17/10/20 Letter received from Moorcroft
Monthly instalment offer
As we have not received any communication from you with regards to your outstanding account, we are concerned that your financial position means that you may not be in a position to meet our requests to clear the account in full.
We can confirm that we are prepared to accept a sensible monthly repayment plan which reflects your financial circumstances and is one that you can afford to maintain - please contact us. (Filed)
02/11/20 letter received from Moorcroft - Further to our records we have not been able to agree a affordable repayment plan with you, please get in touch (Filed)
14/11/20 Letter from Moorcroft - They are disappointed that despite numerous attempts to contact me no satisfactory agreement has been reached, however in an attempt to an arrangement our client has informed us that we may be able to offer you a discount on your outstanding balance, if I would like to participate in this offer please call ...... (Filed)
28/10/20 Letter received from Intrum - We refer to the above account which has been with our external recovery provider Moorcroft Debt Recovery Ltd for collection of the outstanding debt, please note as of the date of this letter your account has been returned to Intrum.
Please contact our team to discuss repayment of your outstanding balance. (Filed)
05/12/20 Letter received from Intrum - You haven't been in touch to talk about your outstanding balance, if you'd rather not speak to us that's okay you can do everything you need to online. (Filed)
18/12/20 Letter received from Intrum - We may take legal action if you don't get in touch.
We'd really like to help you pay back the money you owe us, but if we don't here from you we can't help and we may take legal action that may affect your credit score.
Also included is an income/expenditure form and numerous options of how to get in touch. (Filed)
30/12/20 Letter received from Intrum - We're thinking of taking you to court.
We don't want to but if you don't get in touch soon we'll pass your account to our legal team, they'll consider applying for a County Court Judgement which could make it harder for you to borrow money in the future. They may also add court and solicitor fees. (Filed)
6/1/21 Letter received from Intrum - Would I like a discount?
We want to help you pay your debt without taking you to court, so if you get in touch within the next 10 days we'll give you a discount on the £....... you owe. (Filed)
14/1/21 Letter received from Intrum - Our final discount offer before we consider court action.
If we don't hear from you in 10 days we'll pass your account to our legal team who could take you to court.
But we want to help you pay us back without involving the courts, so here are some options we hope will make it easier for you.
Pay in January for a 20% discount, pay over 3 months for a 10% discount. (Filed)
29/01/21 Letter received from Intrum - We're getting ready for legal action.
We're planning to hand your account over to our legal team on ../02/21.
They may apply for a County Court Judgement
to demand you repay the money by a certain date, if you don't pay and judgement is granted the court can issue -
An attachment of earnings-
A warrant of control-
A charging order.
We'd really like to find a way for you to pay us without taking you to court, if you get in touch before ../02/21 we'll try to work out
a repayment plan that helps you avoid legal action. (Filed)
05/02/21 Letter received from Intrum - Introducing our legal team
I'm x... x... from the legal team at Intrum, our collection teams has passed your account to us because you haven't
agreed a way to pay the money you owe us. We're now in charge of getting a county court judgement issued against you to
demand you pay the money back.
Get in touch within 10 days or we'll pass your account to our solicitors,
they'll write to you explaining what you owe and giving you a last chance to pay, if you don't pay they may apply for a CCJ.
The court could demand that you also pay the solicitors costs and court fees which we'll add to the balance you owe us.
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We can still help
it's not too late to pay us back without involving solicitors, call us, we promise to listen and try to work out a repayment plan you can afford. (Filed)
19/02/21 Letter received from Intrum headed Legal Department
We regret that we have not heard from you and would like to take this opportunity to support you in the resolution of this account.
We have placed your account on hold for 10 days for you to contact us to discuss your situation, please call or email us @.
Should no contact be forthcoming your account will be passed to our solicitors with the intention of issuing a letter before claim. (Filed)
04/03/21 Letter received from Intrum - we have engaged the services of Judge and Priestly LLP
and have transferred your account to them.
Our instructions to them are to pursue the outstanding debt on our behalf which may result in them being instructed to
issue a claim against you in the County Court; to obtain a CCJ against you.
Should you wish to avoid the possibility of County Court proceedings and judgement being entered please contact us
So Intrum have engaged Judge and Priestly solicitors to send you a 'Letter of Claim'. It appears they have not instructed the firm to issue a county court claim for this debt where the credit agreement has been deemed unenforceable.
When you receive the 'Letter of Claim' feel free to email it to me.
In the meantime read this post by Jo which highlights the other difficulties Intrum may face if they do issue legal proceedings >
Originally posted by Joanna Connolly View Post
Intrum UK Finance Limited is not authorised by the Financial Conduct Authority to exercise the rights of a lender. They rely on the para 55 FSMA 2000 servicing exemption.
We look forward to using the same legal arguments in the future against Intrum UK Finance Limited which we used against Idem Capital Securities Limited in the recent successful FCA authorisation Appeal where the Circuit Judge found that the para 55 FSMA 2000 servicing exemption did not allow the unauthorised debt purchaser to issue proceedings in the county court.
Intrum also have issues with their assignment process and documentation.
30 04/21 Letter received from Intrum -Originally posted by Diana Mayhew View Post
We wrote to recently outlining our intentions to issue litigation proceedings against you. Having performed a review
of your account we have decided not to proceed with litigation at this moment in time.
As such your account will shortly be transferred from the legal department back to the collections.
Please contact us to discuss the repayment options available to you ----- (Filed)0
13/05/21 Letter received from Intrum -
We are committed to helping our customers and would like to offer you a discount by way of a partial settlement on your account. We believe this will help you repay your debt whilst saving you money.
Pay May and we will write off 30% of your balance.
(Filed)
Last edited by Stevo62; 13 May 2021, 21:51.Leave a comment:
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I'm going through something very similar with an alleged Santander debt, although slightly ahead of you by the looks of things. Drydensfairfax took over from Wescot and I'm now three letters in, each about three weeks apart - 'We have been instructed', 'You have failed to pay' and 'We can now offer a substantial discount'. That was a couple of months ago so maybe that's when they pass it back, we'll see.
I think we're missing an opportunity for 'DCA letter bingo' here ...
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Originally posted by Stevo62 View Post
Hello
So Wescot have given up on chasing you resulting in Santander asking Drydensfairfax Solicitors to pick up the baton.
I do hate it when creditors and debt purchasers use solicitors as debt collectors hoping that their headed notepaper will scare you into paying. That's bullying pure and simple.
Sometimes the solicitors aren't instructed by their client to issue legal proceedings especially if the client knows the debt is unenforceable, their 'instructions' will be to chase you to pay voluntarily.
You say the credit agreement sent in response to your CCA Request has been deemed unenforceable so post up when you inevitably receive further correspondence from Drydens.
DiLeave a comment:
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17/04/21 Letter received from Drydensfairfax -Originally posted by Stevo62 View Post
We are instructed by Santander to obtain repayment of the amount due under the above agreement of £.... or take appropriate action should you fail to pay.
How to contact us - etc. (Filed)Leave a comment:
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Originally posted by Stevo62 View Post
I agree with Warwick, there's nothing you need to do since the debt is currently unenforceable.
Santander can be slow to sell on their debts so you'll just have to wait it out. They've already used Westcot Debt Collection Agency, and now Moorcroft, but they'll run out of people to hound you eventually.
It's too soon to send them a SAR but that might be useful further down the line.
Di
Leave a comment:
Leave a comment: