LooLoo's UE Diary

[LooLoo]

Re: LooLoo's UE Diary

HBOS Credit Card

1) Credit card
2) Start Date 26/10/2006
3) Approx Balance - £10,673
4) Last full payment – July 2009
5) On Arrangement Plan - £108 – paid up date last payment on 22nd December, 2010.
6) Default issued on 29/9/2010
7) At the moment Account is in hands of Blair Oliver Scott. Interest has been frozen.

4th January - CCA request sent with £1 cheque to BOS
18th January - SAR request sent to Halifax to cover all my accounts with them and £10 cheque
27th January - Letter received from HBOS asking me to call to discuss my excact requirements for SAR request
28th January - Letter received from Halifax saying they have enclosed a reconstituted version of the executed agreement and that they have requested a copy of my original singed agreement which will be with me shortly.
1st February - called regarding letter about SAR - confirming I wanted all info they held on me for all three accounts
8th February - Letter received from Halifax with my signed agreement
11th February - Niddy says Letter sent CCA missing prescribed terms
14th/15th/16th February - SAR received along with two letters
24th February - Letter from Halifax with signed agreement (same as the one sent with the SAR) and Letter from Blair Oliver Scott saying I am in arreas with my payment plan and can I pay £108 to make it up to date.
27th April - letter from Blair Olivier Scott saying my immediate Action is Required
5th May - Telephone harrasment and doorstep letter visit sent to BOS
5th May - Notice of Court Proceedings from Blair Oliver Scott
6th May - Sent Threat by DCA to commence litigation proceedings
19th May - letter back from HBOS saying sorry for the upset and inconvenince they are causing me - but the debt is still owed and BOS will still continue to recover the debt and it may be sold on to an external debt recovery specialist
21st May - letter from HBOS saying they will continue to write to me and telephone me where necessary and although I have said the account is in dispute i have given them no valid reason for this and have no reason to withhold paymennt to the account. They will also not enter into any further correspondence regarding this matter.
15th July - letter received dated 8th July from HBOS with Notice of Legal Action and my account has been passed to their litigation department......
26th July - threat by credit to commence litigation proceedings sent
18th July - letter received dated 12th august - basically saying thanks for contacting them and would i accept their apologies for any inconvience and upset that they have caused me - but bascially they feel they can contact me as they do not agree that the account is in dispute and they have explained why they feel the debt is enforceable. They also state I received their final reply on 11th May and if i want to complain to the FOS i must do it within 6 months of the date of that later. and finally they have said they will not enter into any further communication regarding this matter and futher correspondence i send them will be added to their files for reference only

Hi

above letter from HBOS - not sure if I need to do anything right now with this?

[Deepie]

Re: LooLoo's UE Diary

Hi

above letter from HBOS - not sure if I need to do anything right now with this?

Loo I would just see what they do next

[LooLoo]

Re: LooLoo's UE Diary

Thanks I2D - anything you think i need to do with Mint and Egg or again just sit back and wait?

[Deepie]

Re: LooLoo's UE Diary

Thanks I2D - anything you think i need to do with Mint and Egg or again just sit back and wait?

Sorry missed that Just sit back and wait

[Never-In-Doubt]

Re: LooLoo's UE Diary

Yep agreed, ignore them all for now.....

[LooLoo]

Re: LooLoo's UE Diary

Sorry missed that Just sit back and wait

Yep agreed, ignore them all for now.....

Thanks I like that kinda advice help hehehehe

[Never-In-Doubt]

Re: LooLoo's UE Diary

Thanks I like that kinda advice hehehehe

We only offer help LooLoo - not advice.

[LooLoo]

Re: LooLoo's UE Diary

Thanks I like that kinda advice help hehehehe

oops sorry meant help! silly me

[LooLoo]

Re: LooLoo's UE Diary

Egg – Credit Card

1) Credit Card
2) Start Date 22/07/2003.
3) Approx Balance - £7,612
4) Last full payment – September 2009.
5) &nbspas on arrangement plan - £88 – last payment 25th November, 2010.
6) No default issued as of yet, on credit report shows as on AP
7) At the moment still with Egg. After a year on AP Egg refused to extend the AP any more, I explained that my situation had not changed in anyway.

18th December - CCA request sent with £1 cheque
21st December – letter received by Egg and signed for.
Various phone calls and a letter chasing for payment throughout December from Egg
30th December - Egg cashed £1 cheque
31st December - Received CCA from Egg Niddy says
5th January CCA query letter sent
Couple of phone calls in Jan - not answered - emails on my on line account telling me they MUST speak to me.
18th January SAR request sent with £10 cheque
18th January - phone call
18th January - letter received - scanned in and sent to Niddy
26th January - letter received - asking for times/dates and nature of calls to enable to help them find the details they need.
27th January - Letter sent as per Niddy's instruction
4th February - letter received asking for £1 fee for CCA....
12th February - SAR received
17th March - letter received from (wait for it) CCA on behalf of Egg saying if they don't contact them they WILL send a representative to my address
14th March - Telephone Harrassment letter sent
17th March - Door step vist letter sent to CCA
24th March - two letters recevied one from EGG dasted 21st March saying think you for your complaint. the other from Egg masquarading as CCA dated 18th March saying they are doing checks on my re property ownership validation of empolyment details blah.. and i should contact them immediately othterwise they MAY pass on to their solicitors
31st March - letter received saying they have looked into my complaint and as they are trying to help me they need to telephone me so they will keep on ringing even though I have asked them to stop and they have enclosed a I and E form (printed from the natinal debt line) and I should fill it in and get it back to them by 7th April - o and they will hold off calling me until 7th April
11th June - DEFAULT NOTICE issued by egg dated 7th June
12th July - letter dated 6th July from Egg saying my egg card agreement has been terminated
4th August - letter from MOORCROFT sending a notice of intended litigation
10th August - Harrasment Letter sent
18th August - letter dated 9th August from Moorcroft - in nice yellow envelope and typed in that very business type font of comic sans!!! anyway says I need to contact them before 16th to stop the possible litigation action.
1st Sept - Letter dated 16th August from Moorcroft - compliance department ........

Letter received from compliance department at Moorcroft - they say they are happy to communicate with me in writing and i will receive no further calls or visits from their field agents.

It then goes on to say they received the account in good faith from their clients which they say accounts of this type are referred to them under the terms and conditions of my original contract with their client under section 9 of the lending code blah......

They then say they need to seek initial contact with the accountholder in order to bring the account to a satisfactory conclusion..

it goes on about their compliants proceedure.....

O and they attach an I and E sheet........

Not sure if you need to see this letter or if is usual standard stuff??

Anyhoo does anything need to be done???

[LooLoo]

Re: LooLoo's UE Diary

Co-operative Bank – Credit Card

1) Credit Card
2) Start Date 29/11/20001.
3) Approx Balance - £6,208
4) Last full payment – September 2009
5) On Arrangement Plan - £75 – paid up to date last payment 23rd December, 2010.
6) No default, credit report just shows on AP
7) Still with Co-operative Bank. This credit card was originally taken out with Northern Rock as part of our Together Mortgage, can’t remember when Co-op took the card over – maybe 3/4 years ago?? At the moment my current bank account is with the Co-op. Being charged some interest and card charge.

18th January - SAR request sent with £10 cheque
24th March - letter received defaulting me dated 18th March. Never received SAR - my bank should all be changed over this month - just want to be sure my wages go to my new account then I will be sending out my CCA request.
28th June - CCA request sent
25th July - CCA received - will update to document thread
10th August - missing prescribed terms letter sent
30th August - letter received saying about my cancelled standing order - and now getting a few little phone calls (this account is obviously behind everything else due to co-op being my bank for a while)

as i am getting a few phone calls........... shall i send telephone harrassment or leave for the moment - not such a big deal right now? and just wait and see if they reply to my letter of 10th?

[Never-In-Doubt]

Re: LooLoo's UE Diary

Send it loo. Nip it in bud early. Document the times of calls for future if you can

[LooLoo]

Re: LooLoo's UE Diary

Send it loo. Nip it in bud early. Document the times of calls for future if you can

thanks - also did you see the egg one?

Sorry really not sure what is the best way to do my diary?? I just do a new post (seperate) for each updated thing for each card? is this OK

[Deepie]

Re: LooLoo's UE Diary

thanks - also did you see the egg one?

Sorry really not sure what is the best way to do my diary?? I just do a new post (seperate) for each updated thing for each card? is this OK

Just ignore for now

[LooLoo]

Re: LooLoo's UE Diary

Thanks I2D

[Never-In-Doubt]

Re: LooLoo's UE Diary

Egg. Ignore.

Yes one post per account please. Easier to follow.