ShedAnd Unenforcability Diary

[ShedAnd]

Re: ShedAnd Unenforcability Diary

CCA Request received, 23 Jan 3013.


Emailed Niddy

Hi just bumping as Iv'e not had a reply from Niddy yet, I know he's a busy man.

Cheers..

Emailed NIDDY!!!

[ShedAnd]

Re: ShedAnd Unenforcability Diary

ROBINSON WAY LTD

Type of account (credit card/loan) unknown

Date commenced Before 2004
Approx balance: £3044.25

Date last paid: Before 2004

Are you on arrangement or not paying: DMP

Status: Unknown

Account owner: Robinson way ltd, ex sainsburys

17 Nov 2012 CCA Request sent

23/11/2012. LETTER RECEIVED: Asking for name change confirmation with documentation and previous address.

26/11/2012. CCA request resent in maiden name.
6/12/12. Letter received. Following your request, we have today asked for a copy of the agreement/statement to verify that you are liable to pay the amount due.

Your a/c has been placed on a temporary delay pending receipt of this documentation and we will contact you again in due course.

23/01/2013: CCA request Received, sent to Niddy.
Confirmed no perscribed terms.

13/02/13 Letter off em!

We refer to your resent correspondence in which you claim this account is not enforceable.
We are satisfied that the documentation provided is sufficient to demonstrate liability and we will not enter into repetitive correspondence regarding this.
Your data will continue to be processed in line with the principles of the data protection Act 1998 and the account will continue to be reported to the credit reference agencies, where appropriate.if you neglect to make payment to us, further action will be taken against you.
We require payment proposals within 14 days.

Update

[ScabHunter]

Re: ShedAnd Unenforcability Diary

This is a standard abusive, obnoxious and threatening template which is frequently sent by Robbingscum NoWay.

If it was me in this situation, I'd send them this -

“Dear Sirs,

I am in receipt of your letter dated xx/xx/xxxx, and note its contents.

In response, I refer you to my previous letter of xx/xx/xxxx, in which I have outlined my position. If you dispute that position, it is your responsibility to demonstrate why, and not to send out routine templates which have no relevance to the actual situation. Your unsupported and ludicrous assertion that you are “satisfied that the documentation provided is sufficient to demonstrate liability” is entirely inconsistent with the position of the law itself, namely the Consumer Credit Act 1974, as referred to in the previous communication.

Note also that as a commercial operation, you are in no position to “require” anything. I suggest that you moderate the tone of your communications in future, as any further abusive or misleading communications will result in the submission of a formal complaint, which may be escalated to the relevant regulatory authorities.

Yours Faithfully,”

SH

[ShedAnd]

Re: ShedAnd Unenforcability Diary


Cheers SH, That is perfect for me 2 send in about 2-3 weeks time.

[ShedAnd]

Re: ShedAnd Unenforcability Diary

Cheers SH, That is perfect for me 2 send in about 2-3 weeks time.

I like to put a big gap between each return just to slow the whole process down.

[ShedAnd]

Re: ShedAnd Unenforcability Diary

ROBINSON WAY LTD

Type of account (credit card/loan) unknown

Date commenced Before 2004
Approx balance: £3044.25

Date last paid: Before 2004

Are you on arrangement or not paying: DMP

Status: Unknown

Account owner: Robinson way ltd, ex sainsburys

17 Nov 2012 CCA Request sent

23/11/2012. LETTER RECEIVED: Asking for name change confirmation with documentation and previous address.

26/11/2012. CCA request resent in maiden name.
6/12/12. Letter received. Following your request, we have today asked for a copy of the agreement/statement to verify that you are liable to pay the amount due.

Your a/c has been placed on a temporary delay pending receipt of this documentation and we will contact you again in due course.

23/01/2013: CCA request Received, sent to Niddy.
Confirmed no perscribed terms.

13/02/13 Letter off em!

We refer to your resent correspondence in which you claim this account is not enforceable.
We are satisfied that the documentation provided is sufficient to demonstrate liability and we will not enter into repetitive correspondence regarding this.
Your data will continue to be processed in line with the principles of the data protection Act 1998 and the account will continue to be reported to the credit reference agencies, where appropriate.if you neglect to make payment to us, further action will be taken against you.
We require payment proposals within 14 days.

07/03/13: Reply sent, thanks Scabhunter.

“Dear Sirs,

I am in receipt of your letter dated xx/xx/xxxx, and note its contents.

In response, I refer you to my previous letter of xx/xx/xxxx, in which I have outlined my position. If you dispute that position, it is your responsibility to demonstrate why, and not to send out routine templates which have no relevance to the actual situation. Your unsupported and ludicrous assertion that you are “satisfied that the documentation provided is sufficient to demonstrate liability” is entirely inconsistent with the position of the law itself, namely the Consumer Credit Act 1974, as referred to in the previous communication.

Note also that as a commercial operation, you are in no position to “require” anything. I suggest that you moderate the tone of your communications in future, as any further abusive or misleading communications will result in the submission of a formal complaint, which may be escalated to the relevant regulatory authorities.

Yours Faithfully,”


13/03/13: Letter again,
We agreed an affordable payment plan with your money advice agency, but we have not received the payments as promised. If you have made payment to us in the last few days please ignore the letter.
Otherwise please make payment of the overdue sum as soon as you can blah blah blah.
IGNORED!
16/03/13: Another letter.
We write to acknowledge the above complaint received by yourselves.
The matter will be investigated thoroughly by our complaints and compliance department and we will report our findings directly to the complainant and we will contact you again ASAP, but certainly no later than 4 weeks time.
We will eagerly wait.

Just a quick update..

[ScabHunter]

Re: ShedAnd Unenforcability Diary

Just a quick update..

Utter cretins incapable of speaking and understanding English.

What does the phrase “will result in the submission of a formal complaint” mean to you? To anyone with half a brain cell, it states quite clearly that a formal complaint will be submitted in the future if certain events occur.

Therefore, that letter is NOT a formal complaint. So, they are going to respond to something which does not exist.

You could reply and teach them some basic English lessons, but it is probably better to absorb some time, receive an idiotic reply, and then point out the facts to them. What fun! And you thought your primary school days were over!


SH

[ShedAnd]

Re: ShedAnd Unenforcability Diary

LOWELL'S

Type of account: loan/CC

Date commenced: July 2002
Approx balance: £752.78

Date last paid (approximate date you last made a FULL payment)Before 2004

Are you on arrangement or not paying: DMP

Status Unknown
Account owner Lowell financial

17 Nov 2012 CCA Request sent

28/11/2012: Received a letter from them: saying they are requesting a copy of the CCA from the original lender (HBOS plc) also requiring proof of name change, ie, copy of marriage cert to update there records.

30/11/12: Recieved letter as follows.

We have requested a copy of your credit agreement.
Thank you for contacting us about your credit agreement. we have asked your originallender for a copy.

We will reply as soon as we can
we will do our very best to send you the information you asked for within 12 working days, but this does depend on when your original lender can send it. we will let you know if we do not hear from them in time.

We're here to help(Yeah right)
In the meantime if you have any more questions we'll be pleased to help you.Please do phone us on .

Thay must think I'm stupid too.

12/12/12: Letter from them,

News on your credit agreement request
We have been in touch with HBOS PLC about the copy of your credit agreement

They are letting us know they are trying to retrieve the agreement from thier 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 you of this. Once you have seen your agreement, we will ask you to pay in full.

19/12/12: letter of em.

We are waiting for your credit agreement.

22/12/12: Letter received, Credit agreement.

11/01/13: sent letter,

Not a true copy of CCA, 'date of birth not know to me'

23/01/2013: Letter received, Acc back on hold while in despute we will investigate.

16/02/13: letter off em.

ACC still under investigation.

13/03/13: letter off em.

I'm writing to update you on the progress of your complaint investigation. Thank you for your patience so far.

In order to investigate your complaint fully, it has been necessary to gather and review relevant information about your case and this is taking longer than anticipated. I hope to have completed my invetigation and be in a position to provide you with an update / full responce within the next two weeks.

As it has been eight weeks since we received your complaint you do have the right to refer your case to the Financial Ombudsman, although I trust that this will not be necessary. if you would like to discuss your case further at this stage, please feel free to contact me.

Update..

[ShedAnd]

Re: ShedAnd Unenforcability Diary

CAPQUEST

Type of account: Credit Card.

Date commenced (ideally before Apr 2007) Before 2004

Approx balance £787.27

Date last paid (approximate date you last made a FULL payment) Before 2004

Are you on arrangement or not paying
On DMP
Status (default/in arrears/up-to-date)Unknown

Account owner CapQuest

17 Nov 2012 CCA Request sent

22 Nov 2012 Letter recieved requesting proof of change of name, Postal Order sent back with it.

23 Nov 2012, Letter received From Capquest. stating the account as been sold to CapQuest Investments ltd. Looks Like a threat-O-gram.

25/11/2012: CCA Request resent in maiden name.

30/11/12: recieved letter as follows

Further to recent contact with our office and your request for further information in relation to the above account, we would confirm that your account is now on hold for 28 days whilst we obtain the info required.

If you have any proof of payments or correspondence that would assist with your query, please forward these documents, with a brief covering letter, to our collections administrations department, so that we can resolve this matter as soon as possible.

Looks promising for us does that, and like we are going to send anything to help them..

Letter: From Halifax Bank. You have not quoted a valid account number and I can not trace your acc with the details provided.

Looks like they have lost it.

update

[ShedAnd]

Re: ShedAnd Unenforcability Diary

LOWELL'S

Type of account: loan/CC

Date commenced: July 2002
Approx balance: £752.78

Date last paid (approximate date you last made a FULL payment)Before 2004

Are you on arrangement or not paying: DMP

Status Unknown
Account owner Lowell financial

17 Nov 2012 CCA Request sent

28/11/2012: Received a letter from them: saying they are requesting a copy of the CCA from the original lender (HBOS plc) also requiring proof of name change, ie, copy of marriage cert to update there records.

30/11/12: Recieved letter as follows.

We have requested a copy of your credit agreement.
Thank you for contacting us about your credit agreement. we have asked your originallender for a copy.

We will reply as soon as we can
we will do our very best to send you the information you asked for within 12 working days, but this does depend on when your original lender can send it. we will let you know if we do not hear from them in time.

We're here to help(Yeah right)
In the meantime if you have any more questions we'll be pleased to help you.Please do phone us on .

Thay must think I'm stupid too.

12/12/12: Letter from them,

News on your credit agreement request
We have been in touch with HBOS PLC about the copy of your credit agreement

They are letting us know they are trying to retrieve the agreement from thier 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 you of this. Once you have seen your agreement, we will ask you to pay in full.

19/12/12: letter of em.

We are waiting for your credit agreement.

22/12/12: Letter received, Credit agreement.

11/01/13: sent letter,

Not a true copy of CCA, 'date of birth not know to me'

23/01/2013: Letter received, Acc back on hold while in despute we will investigate.

16/02/13: letter off em.

ACC still under investigation.

13/03/13: letter off em.

I'm writing to update you on the progress of your complaint investigation. Thank you for your patience so far.

In order to investigate your complaint fully, it has been necessary to gather and review relevant information about your case and this is taking longer than anticipated. I hope to have completed my invetigation and be in a position to provide you with an update / full responce within the next two weeks.

As it has been eight weeks since we received your complaint you do have the right to refer your case to the Financial Ombudsman, although I trust that this will not be necessary. if you would like to discuss your case further at this stage, please feel free to contact me.

28/03/13 Received letter,

I regards to the letter received 14th jan 2013 Blah blah blah.

my findings:

Please let my clarify that the A/C was purchased from the original creditor, HBOS, as a valid debt requiring repayment and the agreement you received is a copy of what was signed at the time the loan was taken out.

I note from reviewing the A/C that we received no previous dispute in relation to this balance and you payment totalling £***.*** have been received and deducted from the amount owing. Due to this, we were led to believe that this was your loan and you were not disputing this.

To enable for us to review the matter further, could you please clarify if the signature showing on the agreement is yours and if you have resided at (address 1 of 2 address 2 of 2).
We take these matters seriously and we wish to fully investigate this matter for you.

Account on hold for 30 days.

What could I send to them now as we don't want to admit to the signature of which it is correct, its the date of birth on the agreement that's wrong, I think they should be writing to HBOS not me.

[Never-In-Doubt]

Re: ShedAnd Unenforcability Diary

Wait and see - no reply necessary at this stage

[ShedAnd]

Re: ShedAnd Unenforcability Diary

LOWELL'S

Type of account: loan/CC

Date commenced: July 2002
Approx balance: £752.78

Date last paid (approximate date you last made a FULL payment)Before 2004

Are you on arrangement or not paying: DMP

Status Unknown
Account owner Lowell financial

17 Nov 2012 CCA Request sent

28/11/2012: Received a letter from them: saying they are requesting a copy of the CCA from the original lender (HBOS plc) also requiring proof of name change, ie, copy of marriage cert to update there records.

30/11/12: Recieved letter as follows.

We have requested a copy of your credit agreement.
Thank you for contacting us about your credit agreement. we have asked your originallender for a copy.

We will reply as soon as we can
we will do our very best to send you the information you asked for within 12 working days, but this does depend on when your original lender can send it. we will let you know if we do not hear from them in time.

We're here to help(Yeah right)
In the meantime if you have any more questions we'll be pleased to help you.Please do phone us on .

Thay must think I'm stupid too.

12/12/12: Letter from them,

News on your credit agreement request
We have been in touch with HBOS PLC about the copy of your credit agreement

They are letting us know they are trying to retrieve the agreement from thier 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 you of this. Once you have seen your agreement, we will ask you to pay in full.

19/12/12: letter of em.

We are waiting for your credit agreement.

22/12/12: Letter received, Credit agreement.

11/01/13: sent letter,

Not a true copy of CCA, 'date of birth not know to me'

23/01/2013: Letter received, Acc back on hold while in despute we will investigate.

16/02/13: letter off em.

ACC still under investigation.

13/03/13: letter off em.

I'm writing to update you on the progress of your complaint investigation. Thank you for your patience so far.

In order to investigate your complaint fully, it has been necessary to gather and review relevant information about your case and this is taking longer than anticipated. I hope to have completed my invetigation and be in a position to provide you with an update / full responce within the next two weeks.

As it has been eight weeks since we received your complaint you do have the right to refer your case to the Financial Ombudsman, although I trust that this will not be necessary. if you would like to discuss your case further at this stage, please feel free to contact me.

28/03/13 Received letter,

I regards to the letter received 14th jan 2013 Blah blah blah.

my findings:

Please let my clarify that the A/C was purchased from the original creditor, HBOS, as a valid debt requiring repayment and the agreement you received is a copy of what was signed at the time the loan was taken out.

I note from reviewing the A/C that we received no previous dispute in relation to this balance and you payment totalling £***.*** have been received and deducted from the amount owing. Due to this, we were led to believe that this was your loan and you were not disputing this.

To enable for us to review the matter further, could you please clarify if the signature showing on the agreement is yours and if you have resided at (address 1 of 2 address 2 of 2).
We take these matters seriously and we wish to fully investigate this matter for you.

Account on hold for 30 days.

30/04/13, Letter: as follows

I write further to my letter dated 26 march 2013 requesting additional information in relation to your concerns with the above account. Upon reviewing the account I note we have not received a response from you.

I remain committed to bringing this matter to a positive resolution and therefore could you please clarify if the signature showing on the agreement is yours and if you ever resided at #### and ####.

I have placed the account on hold for an additional 30 days to enable you to clarify this information. If a response is not received within this time I will have no alternative but to close your compliant and return the account for collections activity.

Do we need to send anything at the moment?

[ShedAnd]

Re: ShedAnd Unenforcability Diary

CL FINANCE.

• Type of account: Loan
• Date commenced: before 2004
• Approx balance: £12763.42
• Date last paid: Before 2004
• Are you on arrangement or not paying: DMP
• Status: unknown
• Account owner: CL Finance
• Original Creditor: HSBC BANK PLC

17 Nov 2012, CCA Request sent.
4/12/12: Not heard from them as to date.

04/05/13: Finally got a reply:

We acknowledge receipt of your letter dated 1st may 2013 (it was dated 17/11/12) in which you requested a copy of your credit agreement under section 77 or 78 of the consumer credit act 1974.

Please note that we do not currently hold a copy of the required document on site. Therefore, we are in the process of retrieving a copy for you. We confirm that while your request remains outstanding, enforcement action will not be taken against you.

Please note that although the agreement may not be enforceable while your request for a copy of it remains outstanding, this does not mean that your debt is wiped out. Any outstanding debt is still owed and you must continue to make payments. If you do not make payment then we will be entitled to request payment from you. We may also pass details of any default to a credit reference agency and pass your information to a debt collector. This view is shared by the OFT.

At a guess we hold out for the next letter.

[ShedAnd]

Re: ShedAnd Unenforcability Diary

ROBINSON WAY LTD

Type of account (credit card/loan) unknown

Date commenced Before 2004
Approx balance: £3044.25

Date last paid: Before 2004

Are you on arrangement or not paying: DMP

Status: Unknown

Account owner: Robinson way ltd, ex sainsburys

17 Nov 2012 CCA Request sent

23/11/2012. LETTER RECEIVED: Asking for name change confirmation with documentation and previous address.

26/11/2012. CCA request resent in maiden name.
6/12/12. Letter received. Following your request, we have today asked for a copy of the agreement/statement to verify that you are liable to pay the amount due.

Your a/c has been placed on a temporary delay pending receipt of this documentation and we will contact you again in due course.

23/01/2013: CCA request Received, sent to Niddy.
Confirmed no perscribed terms.

13/02/13 Letter off em!

We refer to your resent correspondence in which you claim this account is not enforceable.
We are satisfied that the documentation provided is sufficient to demonstrate liability and we will not enter into repetitive correspondence regarding this.
Your data will continue to be processed in line with the principles of the data protection Act 1998 and the account will continue to be reported to the credit reference agencies, where appropriate.if you neglect to make payment to us, further action will be taken against you.
We require payment proposals within 14 days.

07/03/13: Reply sent, thanks Scabhunter.

“Dear Sirs,

I am in receipt of your letter dated xx/xx/xxxx, and note its contents.

In response, I refer you to my previous letter of xx/xx/xxxx, in which I have outlined my position. If you dispute that position, it is your responsibility to demonstrate why, and not to send out routine templates which have no relevance to the actual situation. Your unsupported and ludicrous assertion that you are “satisfied that the documentation provided is sufficient to demonstrate liability” is entirely inconsistent with the position of the law itself, namely the Consumer Credit Act 1974, as referred to in the previous communication.

Note also that as a commercial operation, you are in no position to “require” anything. I suggest that you moderate the tone of your communications in future, as any further abusive or misleading communications will result in the submission of a formal complaint, which may be escalated to the relevant regulatory authorities.

Yours Faithfully,”


13/03/13: Letter again,
We agreed an affordable payment plan with your money advice agency, but we have not received the payments as promised. If you have made payment to us in the last few days please ignore the letter.
Otherwise please make payment of the overdue sum as soon as you can blah blah blah.
IGNORED!
16/03/13: Another letter.
We write to acknowledge the above complaint received by yourselves.
The matter will be investigated thoroughly by our complaints and compliance department and we will report our findings directly to the complainant and we will contact you again ASAP, but certainly no later than 4 weeks time.
We will eagerly wait.

04/05/13 letter off em.
See attached.

Any advise on this please.

[Pixie]

Re: ShedAnd Unenforcability Diary

Do we need to send anything at the moment?

I'm not sure about this. I think it best to wait to see what Niddy or SH have to say.

Any advise on this please.

That seems quite a personalised letter - just to prove that it's not a template letter?

If you ignore the details of payments etc, the rest is very much a template letter.

I think I would be sending them Final Response - UE (CCA Received) - allaboutDEBT UK