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Credit Card - Egg to Citi to Opus - 1st Credit.
Chased By DCA and Solicitors
Balance 3,751.10
Last Payment made of 38.00 to Opus - July 2011 - On arrangement continued from CitiCard.
Arrangement ran out but was unaware.
Blue = Sent
Red = Received
Green = Other
About me: I was a Partner & Director in a very successful Architectural Practice, the collapse sent our clients down and it knocked on, saved the company but had to sacrifice myself to do it as it could not support 3 Directors, we were paying to go to work. Last three years, diagnosed with Cancer, downgraded to an inoperable tumor, spent 6 months on ani-depressants and have taken whatever work I can find, even cleaning drains. Would have topped myself if I didn't have young children.
30/04/2007 Egg balance moved to CitiCard after notification from Egg that they were closing account Balance + £ 3,493.87
??/09/2009 Contacted CitiCard by phone re coming to an arrangement.
22/09/2009 Letter from CitiCard asking for completion of Income & Expenditure form.
25/09/2009 Letter (and Income/Expenditure form) to CitiCard regarding a change in circumstances and making an offer of £ 20.00 pcm £38.00 pcm agreed.
04/09/2010 Letter from CitiCard stating that arrangements had been kept up to date therefore they considered account up to date.
??/10/2010 Letter from CitiCard saying Opus would be taking over the account but would continue with arrangement.
21/11/2010 Opus take account.
??/12/2010 Opus Statement arrives, payment of £ 38.00 taken but £ 54.00 interest added.
20/12/2010 Called Opus to discuss interest, they were not interested.
??/01/2011 Opus statement arrives, interest and default charged.
01/02/2011 Letter from Opus saying they did not offer a debit card scheme.
17/02/2011 Letter from Opus requesting Income & Expenditure form.
??/02/2011 Income & Expenditure form sent to Opus.
17/03/2011 Rang Opus to discuss why arrangement set up with CitiCard was not being adhered to, made complaint and withheld payment.
16-20/04/2011 Received 36 calls from Opus, each time explaining situation and complaint.
05/05/2011 Received CCA, not requested by me.
27/05/2011 Letter to Opus explaining entire circumstances ask for suppression of interest and charges as the debt has increase to £3,750.00.
15/06/2011 Letter from Opus agreeing to £ 38.00 pcm and freezing interest.
??/11/2011 Aggressive phone call from 1st Credit demanding money, told them I didn't know who they were. (I had not been advised by phone or in writing).
17/11/2011 Account Assignment letter from 1st Credit demanding full payment.
17/11/2011 Notice of Assignment from Opus saying that CC Asset Management Ltd had assigned all rights title and interest to 1st Credit as of 09/11/2011 - Not advised in advance.
15/12/2011 Account Assignment letter from 1st Credit demanding full payment.
30/12/11 ‘Court Proceedings being considered’ letter from 1st Credit demanding full payment.
09/01/2012 Letter to 1st Credit instructing them to stop aggressive phone calls and asking for ‘proof of assignment, gave 10 days to reply.
11/01/2012 Letter from 1st Credit asking me to contact them to review account and offering a negotiated discount for settlement.
12/01/2012 Letter from 1st credit of ‘Request for Copy Agreement’.
20/01/2012 Letter to 1st Credit again requesting for proof of assignment, deed of assignment and proof of claim.
09/02/2011 Letter to 1st Credit advising them that their failure to provide info deems them Tacit in a ‘No Proof Claim’.
13/02/2012 Letter from 1st Credit Head of Collections acknowledging my letter of 09/02/2012 and informing me that it had been passed to the appropriate department to deal with.
06/03/2012 Letter from 1st Credit stating that a ‘True Copy Agreement’ had been posted to me on the 28/02/2012
23/03/2012 ‘Court Proceedings being considered’ plus other threats letter from 1st Credit demanding full payment.
04/04/2012 ‘Court Proceedings being considered’ plus other threats letter from 1st Credit demanding full payment.
11/04/2012 ‘Court Proceedings being considered’ plus other threats letter from 1st Credit demanding full payment.
17/04/2012 Account Assignment letter from 1st Credit demanding full payment.
11/05/2012 ‘Court Proceedings being considered’ plus offer of discount, letter from 1st Credit demanding full payment.
18/05/2012 ‘Court Proceedings being considered’ plus other threats letter from 1st Credit demanding full payment.
04/06/2012 Letter from Connaught Collections stating they had been instructed to recover overdue account, treats and asking for payment within 7 days.
29/10/2012 Letter from Connaught Collections flaming me for my original proof of claim demand to 1st Credit and stating that I had no basis in Law and quote the 1925 Property Act. And that they had complied with all requirements having sent me a Notice of Assignment on the 17/11/2011. With this letter (29/10/2012) They enclosed a copy of this, a copy of the ‘signed ‘credit agreement ( NO IT’S NOT SIGNED) and statements from Nov 2010 – Oct 2011. They also told me that they have a right to call me. They threaten to pass this to their legal dept.
03/11/2012 Annual Statement from 1st Credit quoting agreement with Opus.
27/11/2012 Letter from Connaught Collections saying that they are disappointed and have forward the account to Moon & Beaver Solicitors and stating that any payments and correspondence should be sent to them.
28/11/2012 Letter from Moon & Beaver saying they have been instructed by 1st Credit, that I have failed to remedy the breach and have given me 16 days to pay up. If they receive no response they may issue court proceedings plus interests and costs. They have also said to contact their client, which is the opposite of what their client wrote, who said I should contact Moon Beaver.
I have never been sent anything by registered post.
11/12/2012 Letter to Moon & Beaver stating that I would like to resolve issue by payments and ask for a hold to be put on action whilst I sort I & E details out (mine our complicated because of fluctuating income from different sources). Also pointed out that I had been through illness and treated for depression. Sent by recorded delivery, cc'd to Connaught Collections and 1st Credit.
Tracking No MB AU556044920GB CC AU816959171GB 1stC AU816959211GB (good idea to put them here, then they can't be lost)
15/12/2012 Letter from 1st Credit Stating that they have received my letter of the 10th, forwarded to them by Connaught and stating that 'the account will now be dealt with as sympathetically as possible by the Debt Support Team.' and that they are putting the account on hold for 30 days (To let me sort my IE details out).
19/12/2012 Letter from 1st Credit's Debt Support Officer stating that due to my medical condition they have now requested the account back from Moon Beaver Solicitors and look forward to hearing from me in due course.
Credit Card - Halifax.
Chased By Halifax
Balance 4,271.62 as of July 2012 and climbing
Last Payment full made June 2012 but still paying 25 pcm.
Took my eye off the ball.
25/09/2009 Letter to Halifax stating that circumstances had changed, sent I & E asked them to accept 25.00 pcm. Letters to all creditors at this time.
Arrangements in place I thought, left to wife and concentrated on business issues as BOS wher trying to withdraw practice's overdraft.
06/2012 Noticed that Halifax had been taking 2 DD one for interest and 1 for the 25.00 rang Halifax and asked what had happened in respect of arrangement. They said that it had been ignored because the account was not defaulted.
Was advised by them to cancel DD. so that it would go to C&R department.
06/2012 Sent I & E.
31/07/2012 Letter from Halifax saying payment had not been received and charging a late payment fee.
Rang Halifax asked what was going on. They asked what address the I & E had been sent to, when I told them they said that it was the wrong one and that it would have been ignored.
08/2012 I & E sent to retail bank Collections address.
08/2012 Letter stating late payment fee had been added.
Called them, explained situation. They said they would send I & E sheet.
Did not receive.
Phone calls but ignored them.
0?/11/2012 Default Letter. ( I will find out exact date (Working away from home for the last 4 weeks so mail is hit and miss)
30/11/2012 Letter from Halifax stating that default recently sent and will now transfer to a DCA.
06/12/2012 Rang Halifax and again situation, asked them to hold it for the moment, which they agreed to do but said that the default sum was 287.10 and they expected me to pay 450.00 by the 17/12/2012.
11/12/2012 CCA request sent to Halifax by recorded delivery. Tracking No AU556044933GB.
19/12/1012 Received a call from Albion, refused to give security details and informed them that a letter had been sent to Halifax (delivered on the 17/12/2012) requesting CCA and that they were calling me whilst in dispute, I would write to Halifax, don't call me again. They said "you will have to speak to us", I said 'Wrong' Bye!
21/12/2012 Halifax Statement arrives as usual, dated 14/12/2012.
21/12/2012 Albion rang again, same conversation as the one on the 19/12/2012, but they added that I have to speak to them or call Halifax who will put me through to them. I told them to write to me, they said that they had, I asked for the dates and they said that they could not give them to me as I wouldn't answer the security questions, they said they would keep calling.
22/12/2012 Letter from Albion Collections dated 18/12/2012 standard 1st letter.
Chased By DCA and Solicitors
Balance 3,751.10
Last Payment made of 38.00 to Opus - July 2011 - On arrangement continued from CitiCard.
Arrangement ran out but was unaware.
Blue = Sent
Red = Received
Green = Other
About me: I was a Partner & Director in a very successful Architectural Practice, the collapse sent our clients down and it knocked on, saved the company but had to sacrifice myself to do it as it could not support 3 Directors, we were paying to go to work. Last three years, diagnosed with Cancer, downgraded to an inoperable tumor, spent 6 months on ani-depressants and have taken whatever work I can find, even cleaning drains. Would have topped myself if I didn't have young children.
30/04/2007 Egg balance moved to CitiCard after notification from Egg that they were closing account Balance + £ 3,493.87
??/09/2009 Contacted CitiCard by phone re coming to an arrangement.
22/09/2009 Letter from CitiCard asking for completion of Income & Expenditure form.
25/09/2009 Letter (and Income/Expenditure form) to CitiCard regarding a change in circumstances and making an offer of £ 20.00 pcm £38.00 pcm agreed.
04/09/2010 Letter from CitiCard stating that arrangements had been kept up to date therefore they considered account up to date.
??/10/2010 Letter from CitiCard saying Opus would be taking over the account but would continue with arrangement.
21/11/2010 Opus take account.
??/12/2010 Opus Statement arrives, payment of £ 38.00 taken but £ 54.00 interest added.
20/12/2010 Called Opus to discuss interest, they were not interested.
??/01/2011 Opus statement arrives, interest and default charged.
01/02/2011 Letter from Opus saying they did not offer a debit card scheme.
17/02/2011 Letter from Opus requesting Income & Expenditure form.
??/02/2011 Income & Expenditure form sent to Opus.
17/03/2011 Rang Opus to discuss why arrangement set up with CitiCard was not being adhered to, made complaint and withheld payment.
16-20/04/2011 Received 36 calls from Opus, each time explaining situation and complaint.
05/05/2011 Received CCA, not requested by me.
27/05/2011 Letter to Opus explaining entire circumstances ask for suppression of interest and charges as the debt has increase to £3,750.00.
15/06/2011 Letter from Opus agreeing to £ 38.00 pcm and freezing interest.
??/11/2011 Aggressive phone call from 1st Credit demanding money, told them I didn't know who they were. (I had not been advised by phone or in writing).
17/11/2011 Account Assignment letter from 1st Credit demanding full payment.
17/11/2011 Notice of Assignment from Opus saying that CC Asset Management Ltd had assigned all rights title and interest to 1st Credit as of 09/11/2011 - Not advised in advance.
15/12/2011 Account Assignment letter from 1st Credit demanding full payment.
30/12/11 ‘Court Proceedings being considered’ letter from 1st Credit demanding full payment.
09/01/2012 Letter to 1st Credit instructing them to stop aggressive phone calls and asking for ‘proof of assignment, gave 10 days to reply.
11/01/2012 Letter from 1st Credit asking me to contact them to review account and offering a negotiated discount for settlement.
12/01/2012 Letter from 1st credit of ‘Request for Copy Agreement’.
20/01/2012 Letter to 1st Credit again requesting for proof of assignment, deed of assignment and proof of claim.
09/02/2011 Letter to 1st Credit advising them that their failure to provide info deems them Tacit in a ‘No Proof Claim’.
13/02/2012 Letter from 1st Credit Head of Collections acknowledging my letter of 09/02/2012 and informing me that it had been passed to the appropriate department to deal with.
06/03/2012 Letter from 1st Credit stating that a ‘True Copy Agreement’ had been posted to me on the 28/02/2012
23/03/2012 ‘Court Proceedings being considered’ plus other threats letter from 1st Credit demanding full payment.
04/04/2012 ‘Court Proceedings being considered’ plus other threats letter from 1st Credit demanding full payment.
11/04/2012 ‘Court Proceedings being considered’ plus other threats letter from 1st Credit demanding full payment.
17/04/2012 Account Assignment letter from 1st Credit demanding full payment.
11/05/2012 ‘Court Proceedings being considered’ plus offer of discount, letter from 1st Credit demanding full payment.
18/05/2012 ‘Court Proceedings being considered’ plus other threats letter from 1st Credit demanding full payment.
04/06/2012 Letter from Connaught Collections stating they had been instructed to recover overdue account, treats and asking for payment within 7 days.
29/10/2012 Letter from Connaught Collections flaming me for my original proof of claim demand to 1st Credit and stating that I had no basis in Law and quote the 1925 Property Act. And that they had complied with all requirements having sent me a Notice of Assignment on the 17/11/2011. With this letter (29/10/2012) They enclosed a copy of this, a copy of the ‘signed ‘credit agreement ( NO IT’S NOT SIGNED) and statements from Nov 2010 – Oct 2011. They also told me that they have a right to call me. They threaten to pass this to their legal dept.
03/11/2012 Annual Statement from 1st Credit quoting agreement with Opus.
27/11/2012 Letter from Connaught Collections saying that they are disappointed and have forward the account to Moon & Beaver Solicitors and stating that any payments and correspondence should be sent to them.
28/11/2012 Letter from Moon & Beaver saying they have been instructed by 1st Credit, that I have failed to remedy the breach and have given me 16 days to pay up. If they receive no response they may issue court proceedings plus interests and costs. They have also said to contact their client, which is the opposite of what their client wrote, who said I should contact Moon Beaver.
I have never been sent anything by registered post.
11/12/2012 Letter to Moon & Beaver stating that I would like to resolve issue by payments and ask for a hold to be put on action whilst I sort I & E details out (mine our complicated because of fluctuating income from different sources). Also pointed out that I had been through illness and treated for depression. Sent by recorded delivery, cc'd to Connaught Collections and 1st Credit.
Tracking No MB AU556044920GB CC AU816959171GB 1stC AU816959211GB (good idea to put them here, then they can't be lost)
15/12/2012 Letter from 1st Credit Stating that they have received my letter of the 10th, forwarded to them by Connaught and stating that 'the account will now be dealt with as sympathetically as possible by the Debt Support Team.' and that they are putting the account on hold for 30 days (To let me sort my IE details out).
19/12/2012 Letter from 1st Credit's Debt Support Officer stating that due to my medical condition they have now requested the account back from Moon Beaver Solicitors and look forward to hearing from me in due course.
Credit Card - Halifax.
Chased By Halifax
Balance 4,271.62 as of July 2012 and climbing
Last Payment full made June 2012 but still paying 25 pcm.
Took my eye off the ball.
25/09/2009 Letter to Halifax stating that circumstances had changed, sent I & E asked them to accept 25.00 pcm. Letters to all creditors at this time.
Arrangements in place I thought, left to wife and concentrated on business issues as BOS wher trying to withdraw practice's overdraft.
06/2012 Noticed that Halifax had been taking 2 DD one for interest and 1 for the 25.00 rang Halifax and asked what had happened in respect of arrangement. They said that it had been ignored because the account was not defaulted.
Was advised by them to cancel DD. so that it would go to C&R department.
06/2012 Sent I & E.
31/07/2012 Letter from Halifax saying payment had not been received and charging a late payment fee.
Rang Halifax asked what was going on. They asked what address the I & E had been sent to, when I told them they said that it was the wrong one and that it would have been ignored.
08/2012 I & E sent to retail bank Collections address.
08/2012 Letter stating late payment fee had been added.
Called them, explained situation. They said they would send I & E sheet.
Did not receive.
Phone calls but ignored them.
0?/11/2012 Default Letter. ( I will find out exact date (Working away from home for the last 4 weeks so mail is hit and miss)
30/11/2012 Letter from Halifax stating that default recently sent and will now transfer to a DCA.
06/12/2012 Rang Halifax and again situation, asked them to hold it for the moment, which they agreed to do but said that the default sum was 287.10 and they expected me to pay 450.00 by the 17/12/2012.
11/12/2012 CCA request sent to Halifax by recorded delivery. Tracking No AU556044933GB.
19/12/1012 Received a call from Albion, refused to give security details and informed them that a letter had been sent to Halifax (delivered on the 17/12/2012) requesting CCA and that they were calling me whilst in dispute, I would write to Halifax, don't call me again. They said "you will have to speak to us", I said 'Wrong' Bye!
21/12/2012 Halifax Statement arrives as usual, dated 14/12/2012.
21/12/2012 Albion rang again, same conversation as the one on the 19/12/2012, but they added that I have to speak to them or call Halifax who will put me through to them. I told them to write to me, they said that they had, I asked for the dates and they said that they could not give them to me as I wouldn't answer the security questions, they said they would keep calling.
22/12/2012 Letter from Albion Collections dated 18/12/2012 standard 1st letter.
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