LooLoo's UE Diary

[LooLoo]

Re: LooLoo's UE Diary

Mint (RBS) – Credit Card

1) Credit Card
2) Start Date 4/8/2004
3) Approx Balance - £5,289
4) Last full payment – September 2009
5) Currently on arrangement plan - £56 – last payment 22nd December 2010.
6) Default issued 23rd December 2009.
7) Still with Mint. Interest has been frozen

4th January - CCA request sent with £1 cheque
18th January - SAR request sent with £10 cheque
20th January - letter received from Mint enclosing my letter saying they are unable to comply with my CCA request as I never enclosed my £1 payment
26th January - RESENT CCA request with postal order STAPLED to the letter!
31st January - Letter received from Mint enclosing my £10 cheque saying they were unable to complete my request as my letter was unsigned
2nd February - Letter sent to Mint - requesting info again and poiting out letter does not need to be signed as per Niddy's instruction
17th February - Letter received from Mint saying they are dissappointed not to have recevied my payment - also had about 3 or 4 phone calls - not been picked up!
21st February - CCA received Niddy says
22nd - going to blag - missing prescribed terms letter sent
11th March - letter sent saying they have complied and they see no reason to enter in to any further correspondence (letter was dated 25th Feb!
28th March - Payment demand sent by Triton for the full amount
30th March - enough is enough template letter sent to Triton
19th May - lots of calls from Triton
3rd June - Urgent Action Required Letter (datd 19th May!)
7th June - Notice of Legal Proceedings letter received (dated 30th May) from Triton
8th June - threat of doorstep visit and Threat by Lender/D.C.A - To Commence Litigation Letters sent to Triton
27th June - letter from GREEN AND CO saying they are likely to commence court proceedings against me without further notice or I can pay Triton within 7 days (letter dated 17th June I receved on 27th June)
4th July - Threat to commence litigation letter sent
8th July - Letter from Green and Co sayng they thank me for my letter but my response should've been sent to Triton not them and they have passed my letter to Triton and they will reply to me directly
18th August - letter from RMA who have taken over this account
September - one letter from RMA saying my account was seriously overdue, followed by another letter saying they were passing my account back to the original creditor and lastly a letter received on Saturday saying that lucky me had been selected for a settlement offer.

Above letters received - assume i need to do nothing?

Just out of a matter of interest - for something like this with a balance of just over 5K what do you think they would accept? (obv I do not have a pot of money sitting there but was just wondering)

[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
September - letter received from Halifax saying thatas they have written to me saying that my account is enforcable can i contact them immediately to let them know my proposals for payment

Above letter received - again assume nothing to do at the moment??

[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 ........
September - letter from Moorcroft saying as they have not heard from me - if they do not hear back from me in 28 days they will close my account and pass it back to their client

Assume again nothing to do here - just a bit concerend that if it goes back to Egg (Barclays) it might affect my bank - I have opened a new account with Nationwide but it takes 14 days.... so hopefully I will have all the details before next payday so I can change everything over...........

[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)
September - first letter saying they were investigating my complaint the next a letter saying that they have looked into my complaint and their findings were that I remain liable for the debt nd i need to contact their collections team to discuss my account and if they do no hear from me they may pass over to a DCA

Not sure I need to do anything with this one as it stands at the moment??

[Never-In-Doubt]

Re: LooLoo's UE Diary

Get out of here - no way have you had 4 letters all come today...... no way do I believe that!

You're stockpiling em aren't ya woman?

[Never-In-Doubt]

Re: LooLoo's UE Diary

Above letters received - assume i need to do nothing?

Just out of a matter of interest - for something like this with a balance of just over 5K what do you think they would accept? (obv I do not have a pot of money sitting there but was just wondering)

£5k would be at least a £1500 - £2500 offer; unless you had loads of PPi & charges....

Just ignore it - not worth considering.

[Never-In-Doubt]

Re: LooLoo's UE Diary

Above letter received - again assume nothing to do at the moment??

Or write back and say "I refer you to the case between Arkell v. Pressdram (1971)"

---> http://www.nasw.org/users/nbauman/arkell.htm

We acknowledge your letter of 29th April referring to Mr J. Arkell. We note that Mr Arkell's attitude to damages will be governed by the nature of our reply and would therefore be grateful if you would inform us what his attitude to damages would be, were he to learn that the nature of our reply is as follows: fuck off.

[Never-In-Doubt]

Re: LooLoo's UE Diary

Assume again nothing to do here - just a bit concerend that if it goes back to Egg (Barclays) it might affect my bank - I have opened a new account with Nationwide but it takes 14 days.... so hopefully I will have all the details before next payday so I can change everything over...........

Did NW say what type of account, ie is it basic account or flex account? Just curious.... however you'll be fine for now - they won't utilise RoSo just yet......

Change things asap - but keep the Barclays account open, just in case...

[Never-In-Doubt]

Re: LooLoo's UE Diary

Not sure I need to do anything with this one as it stands at the moment??

Let em pass it over to a DCA then - then we'll deal with them direct!

Ignore for now!

[LooLoo]

Re: LooLoo's UE Diary

Cheers Nid

yeah sorry - it has been mad and my paper work got waylaid - not normally like me so sorry!!!

Rhahahah Arkell very funny!!

NW gave me the basic - he said if I had defaults then no point trying for a Flex but he said once the account it open i will have to option on line of upgrading from time to time and maybe i would be able to change to a Flex then so we'll see

and ok I'll change everything over but still keep Barclays.

and Happy Holidays!!!

[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)
September - first letter saying they were investigating my complaint the next a letter saying that they have looked into my complaint and their findings were that I remain liable for the debt nd i need to contact their collections team to discuss my account and if they do no hear from me they may pass over to a DCA
13th October - Letter received marked urgent saying they are concerned they haven't heard from me.

Just above letter received nothing to do with that - they have also emailed me saying to get in touch and a few phone calls

[LooLoo]

Re: LooLoo's UE Diary

Mint (RBS) – Credit Card

1) Credit Card
2) Start Date 4/8/2004
3) Approx Balance - £5,289
4) Last full payment – September 2009
5) Currently on arrangement plan - £56 – last payment 22nd December 2010.
6) Default issued 23rd December 2009.
7) Still with Mint. Interest has been frozen

4th January - CCA request sent with £1 cheque
18th January - SAR request sent with £10 cheque
20th January - letter received from Mint enclosing my letter saying they are unable to comply with my CCA request as I never enclosed my £1 payment
26th January - RESENT CCA request with postal order STAPLED to the letter!
31st January - Letter received from Mint enclosing my £10 cheque saying they were unable to complete my request as my letter was unsigned
2nd February - Letter sent to Mint - requesting info again and poiting out letter does not need to be signed as per Niddy's instruction
17th February - Letter received from Mint saying they are dissappointed not to have recevied my payment - also had about 3 or 4 phone calls - not been picked up!
21st February - CCA received Niddy says
22nd - going to blag - missing prescribed terms letter sent
11th March - letter sent saying they have complied and they see no reason to enter in to any further correspondence (letter was dated 25th Feb!
28th March - Payment demand sent by Triton for the full amount
30th March - enough is enough template letter sent to Triton
19th May - lots of calls from Triton
3rd June - Urgent Action Required Letter (datd 19th May!)
7th June - Notice of Legal Proceedings letter received (dated 30th May) from Triton
8th June - threat of doorstep visit and Threat by Lender/D.C.A - To Commence Litigation Letters sent to Triton
27th June - letter from GREEN AND CO saying they are likely to commence court proceedings against me without further notice or I can pay Triton within 7 days (letter dated 17th June I receved on 27th June)
4th July - Threat to commence litigation letter sent
8th July - Letter from Green and Co sayng they thank me for my letter but my response should've been sent to Triton not them and they have passed my letter to Triton and they will reply to me directly
18th August - letter from RMA who have taken over this account
September - one letter from RMA saying my account was seriously overdue, followed by another letter saying they were passing my account back to the original creditor and lastly a letter received on Saturday saying that lucky me had been selected for a settlement offer.
15th October - letter received dated 7th October saying 30 day notice - saying unless i agree to one of there agreements they will ask Westminster Solicitors to investigate legal proceedings against me.

Do I need to do anything with this???

[Deepie]

Re: LooLoo's UE Diary

Just above letter received nothing to do with that - they have also emailed me saying to get in touch and a few phone calls

What a shame just ignore

[Deepie]

Re: LooLoo's UE Diary

Do I need to do anything with this???

Wait for Niddy to get back :niddy

[LooLoo]

Re: LooLoo's UE Diary

Thanks I2D - i'll ignore one and wait for Niddy to get back for Mint.

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