Spentout's UE Diary

[nightwatch]

Re: Spentout's UE Diary

you should get an email when you have been verified, click on the link in that x

I'm too late again x

[Never-In-Doubt]

Re: Spentout's UE Diary

Marlin don't mess about ....PM niddy to allow you access to the templates

Deepie meant to say read here and join AAD --> http://forums.all-about-debt.co.uk/s...-New-Templates



However you're all approved and can login now.

[Deepie]

Re: Spentout's UE Diary

must first register to the main AAD Website to obtain access to the templates --> http://forums.all-about-debt.co.uk/s...-New-Templates

Deepie meant to say read here and join AAD --> http://forums.all-about-debt.co.uk/s...-New-Templates



However you're all approved and can login now.

Deepie did say that .......

[SPENTOUT]

Re: Spentout's UE Diary

Many Thanks to Deepie for your advice and pointing me in the right direction with the templates
and also Niddy for being quick to respond and granting me access to the templates

It's no less than I have come to expect from this forum and the good people within it

I sent both template letters +copy of letter received from Cabots last year, just back from the Post Office now.

Spentout

[SPENTOUT]

Re: Spentout's UE Diary

Halifax credit card

Date commenced October 2005
Approx balance £7,500
last paid Last full payment Oct 2008
Last Token payment appx September 2012
Status defaulted/Terminated
Account owner Cabot

From the 5/11/08 all the usual CALL US NOW letters
15 Dec 08 FORMAL NOTICE of account in arrears
17th Jan 2009 DEFAULTED issued on Saturday 17th and allowing only 14 Days
2nd Feb 09 ACCOUNT TERMINATED
17th Feb 09 Sent off CCA request with £1 P.O
3rd April 09 late payment letter from Intelligent Finance showing they have received my token payment and also allocated the £1 P.O for CCA to my account
[COLOR="rgb(0, 100, 0)"]Usual letters from Blair witch during this period[/COLOR]
18th May 09 Received response to my CCA request ( shame it was only two lots of terms and conditions both 8 pages long.
22nd May 09 I Send Halifax Unlawful recission letter stating that I will only now pay towards the lawful arrears.
28th Sept 09 Threatogram from Blair witch
20th October 09 More threats from Blair
27th October 09 Blair sends me I&E forms to fill (filed them away ) also 2nd letter saying the amount that I am paying is acceptable?
Dec 09 Statement from Halifax full balance now due + it shows that there are 3 default charges For late payment/ over limit/ and returned payment. Well There was no late payment just did not pay, was only overlimit because they lowered my credit limit and there never was a returned payment?

29th Dec 09 threats from Blair witch Local door collector/ court action, death by boredom etc
13th Jan 2010 (The biggy) NOTICE OF INTENDED COURT ACTION
21st Jan 2010 CONTACT US IMMEDIATLY
21st Jan 2010 I send them a reminder of their unlawful recission and that I am only paying toward the arrears.
21st Jan 2010 Send off SAR to Intelligent Finance
12th Feb 2010 Blair witch Threatogram
22nd Feb 2010 Received my SAR bundle including copy of signed Agreement

There is a gap now as my filing is crap but not much happened until now.


17th September 2012 Informed by Cabot they have bought the account, also contained letter from Halifax saying they Assigned all of their respective rights title etc to Cabots The sale date was 6 weeks ago the balance when sold was higher than Cabot now claims by appx the value of 6 months token payments
5th October 2012 Sent CCA request to Cabots
15th October 2012 Received "first payment of plan missed call us or goes to pre litigation dept"
12th April 2013 Received recon agreement from Cabots with 14 days contact us letter
13th April 2013 Emailed CCA to Niddy
19th April 2013 Letter from Cabots Unfortunately we have not been able to provide requested info but will keep trying in the meantime PAY UP.
21st April 2013 Niddy says missing PTs
22nd April 2013 Sent Cabots missing Prescribed Terms letter.
2nd May 2013 "Crapbots have bought the acc you held with Halifax and we've tried to contact previously, its now vital that you contact us urgently to discuss your account. If you don't contact us and agree a suitable repayment plan we will move your account to the next stage of our collections process. ignored this letter wait see what comes next.
21st May 2013 Please contact us urgently letter we want to help you.

18th June 2013 We have tried to make contact several times It's now vital you contact Crapbots, or else its the next stage again

15th July 2013 Next stage is here, We have made several unsuccessful attempts to contact SPENTOUT we have done a review and see you do not have any proposal to repay, you may be experiencing financial difficulties so if you give us 35% of what you owe we will write the rest off ignored this BARGAIN

18th July 2013 Oops I think someone cocked up new offer if I pay up within 30 days only UPTO 30% discount maybe Ignored

15th August 2013 Received this letter day after it was written by royal mail not TNT. Dear Mr Spentourmoney, I refer to your cca letter of 24 april I apologise for the delay I understand you are dissatisfied with the document you received. We have asked Halifax to supply a signed copy until then its unenforcable

23rd August 2013 Letter received: Dear Spentout we have recently confirmed that you live where you say you do. we have bought your account and you need to contact us immediately.

23rd August 2013 2nd Letter received: Dear spentout, We would really prefer to discuss your account on the telephone but we will agree to your request only IF YOU CO-OPERATE with us. Give us your proposal for repaying this account, and fill in our Income and Expenditure form, if you don't do this within 28 days we will start harassing you on the phone again

20th November 2014 Letter from Cabot & Marlin Letter dated 15th from cabot as they have tried to make contact and were unsuccessful they have referred this account to Marlin and I must contact them within 7 days. Also contained a NOTICE OF CHANGE on Marlin heading who have been instructed to recover this account

27th November 2014 Letter from Marlin Dated 22.11.14 giving me 7 days from then to make contact and start paying or they will commence court action.

27th November 2014 Replied to Marlin with CCA Query letter confirming no CCA and Formal Letter Before Action Response

5th December 2014 Letter from Marlin They do not have all my info will get copy of Agreement, DN, TN and statement of account from Original lender and forward to me

Spent

I will imagine that the same agreement that Niddy deemed will be sent again, will be interesting to see how the DN and TN will differ from original.
Thanks to everyone for all your help.

Spent

[Never-In-Doubt]

Re: Spentout's UE Diary

I will imagine that the same agreement that Niddy deemed will be sent again, will be interesting to see how the DN and TN will differ from original.
Thanks to everyone for all your help.

Spent

Good luck, keep us updated

[SPENTOUT]

Re: Spentout's UE Diary

Will do Niddy

Couldn't manage without my extended family on aad

Spent

[IF]

Re: Spentout's UE Diary

Hi, just checking if all is OK?

Best wishes
IF

[SPENTOUT]

Re: Spentout's UE Diary

Hi, just checking if all is OK?

Best wishes
IF

Hi IF

Thanks for checking, everything is still as it was before christmas. I have had no contact with them as yet.
I will keep you informed when the situation changes, as we all know it will sooner or later.

Many Thanks
Spent

[SPENTOUT]

Re: Spentout's UE Diary

Lloyds TSB
credit card
Date commenced 1989
Approx balance £8,500
last paid Last full payment Oct 2008
Was paying small sum monthly,stopped Oct 2012
Status defaulted/Terminated
Account owner Cabot
Made last Full payment Oct 08

30th December 2008 Defaulted
28th January 2009 Court proceedings threat Sechiari clark & mitchell
23rd February 2009 Please pay letter from TSB
26th February 2009 Sent CCA request to Lloyds
2nd March 2009 sent TSB letter confirming CAB had my authorization to deal with them.
5th March 2009 M H A Collections "pay now IMMEDIATELY TODAY"
10th March 2009 FRom Lloyds We will sort your CCA request shortly
25th March 2009 No CCA LBA letter sent to Lloyds
25th March 2009 M H A Collections letter PAY US
1st April 2009 Lloyds I am sorry you have had cause to complain
7th April 2009 Lloyds letter "Sorry for continued delay with CCA request"
1st May 2009 BLS letter pay now or personal visit threatignored
14th May 2009 BLS again different wording, same meaningignored
15th May 2009 BLS letter accepting the offer made by CAB to Lloyds of token payments.
28th May 2009 Lloyds response to CCA request sent RECON AGREEMENT
1st June 2009 Letter from BLS says "The bank has advised they only hold documentation for 6 years so unfortunately due to the age of this account the Credit Agreement is no longer available.
10th June 2009 BLS threat pay token payment now or feel the wrath of BLS
11th August 2009 BLS Full&Final offer pay 70% discount for 10 days only
12th January 2010 BLS Letter payments must DoubleTold them to do one payments stay same
14th May 2010 General threat from BLSIgnored
26th May 2010 BLS Essential you phone us todayIgnored
2nd June 2010 PAY FULL BALANCE NOWignored
15th June 2010 Another PAY FULL BALANCE NOW letter

10 November 2012 Letter from Lloyds and Cabots in same envelope informing me that Lloyds have assigned all rights to this account to Cabots. Stopped payments
14thn November 2012 Sent CCA request to Cabots

9th Jan 2013 Letter from Crapbots,, Unfortunately Cabot has not yet got the CCA from Lloyds for the account. Your account is currently UNENFORCEABLE which means no action can be taken

12th April 2013 Cabots letter Unfortunaely unable to provide CCA at mo we will continue to request info you are still obliged to repay the balance YEA

13th June 2013 Letter from Crapbots, We have recently confirmed you live at the address that we write to you from and you also write to us from. We want to make you aware that we have bought your account from tsb, please contact us ASAP. Ignored, dumb asses find an Agreement then contact me.

10th Nov 2015 Received statements of account from crappybots not much to say really ignored

17th Dec 2015 Received regular threat/we can help you letter from crappies, Phone calls have started ignored

31st Dec 2015 Phone calls have continued, even over xmas. Got a letter today "despite repeated attempts to contact you, we have not been able to gain your commitment to repay your debt. Ignored

18th Jan 2016 Today received letter dated 10th Jan, "Potential legal action" blah blah blah our typical approach is to make an application for a CCJ. Blah Blah Blah, If you don't contact us in the next 10 days we will proceed as highlighted above



Nasties are rearing their ugly heads again
Letter from Crapbots today threatening Potential legal action
I have paid nothing on this since 10th Oct 2012 so don't want to start now.

After sending a CCA request in Nov 2012 Their response on Jan 9th 2013 was that they had not yet got the info from LLoyds tsb and until they do my account was Unenforceable. I still have not received a credit agreement to this day and no contact regarding this account until November 2015. Now threatening Legal action.

Should I send them a copy of the letter they sent me on 9th Jan 2013 reminding them that the account is in dispute or do I need to send them a template letter.

Cheers Spent

[nanna58]

Re: Spentout's UE Diary

Might be an idea to send an LBA , although let's see what others say xxxxThing is you don't need to point out what they haven't done as that givers them time to correct things.

[MrsD]

Re: Spentout's UE Diary

is it a solicitor or Cabot who have sent the LBA and is it an LBA What exactly does it say?

[Never-In-Doubt]

Re: Spentout's UE Diary

Lloyds TSB

After sending a CCA request in Nov 2012 Their response on Jan 9th 2013 was that they had not yet got the info from LLoyds tsb and until they do my account was Unenforceable. I still have not received a credit agreement to this day and no contact regarding this account until November 2015. Now threatening Legal action.

Should I send them a copy of the letter they sent me on 9th Jan 2013 reminding them that the account is in dispute or do I need to send them a template letter.

Cheers Spent

You are best leaving it in default. Don't give them reason (or excuse) to remedy (the s.78 breach)...

If it was me, I'd not reply.

[SPENTOUT]

Re: Spentout's UE Diary

is it a solicitor or Cabot who have sent the LBA and is it an LBA What exactly does it say?

Hi MrsD

It is not from the solicitors it's from Cabots, and is Potential Legal action, it outlines what legal action means, Our typical approach would be to instruct a solicitor to issue a claim for the amount and make an application to county court for a judgement against me, if I don't pay then they will instruct the courts to enforce the judgement by either, Attachment of earnings / charging order / or an alternate enforcement method whatever that means! baseball bats comes to mind

But the last paragraph is headed
next steps
"This is a serious matter and should legal action be determined to be appropriate, you may incur legal costs on your account.
We would prefer to avoid legal action and rather arrange a payment plan with you or talk through other options, however, if you don't contact us within the next 10 days we will proceed as highlighted above. so it is important that you contact us."

So it's not the normal terminology of "We May Take Action" or " We Could Take Action" they are saying in the letter that they will send the account to their solicitor.

Spent

[SPENTOUT]

Re: Spentout's UE Diary

You are best leaving it in default. Don't give them reason (or excuse) to remedy (the s.78 breach)...

If it was me, I'd not reply.

Thanks Niddy

I'm happy to ignore them, and sort it out when the Solicitors get involved.
Got that letter from them back in January 2013 saying until they send me a credit agreement, it is unenforceable, also a similar letter from BLS which is Lloyds collections team in 2009 stating that Lloyds don't hold paperwork past 6 years therefore they do not have a credit agreement for the account.

Many thanks
Spent