LooLoo's UE Diary

[garlok]

Re: LooLoo's UE Diary

Its the one I used, cut and pasted from the top of one my "bugger-off" specials. They returend the account to BC without further communication.

Garlok

[LooLoo]

Re: LooLoo's UE Diary

Thanks - just sent it off

[Never-In-Doubt]

Re: LooLoo's UE Diary

keep us updated! RMA and NCO are one and the same

[LooLoo]

Re: LooLoo's UE Diary

keep us updated! RMA and NCO are one and the same

will do

they just jar me - why not just put the address on the poxy letter!

anyhoo its gone off

[alland]

Re: LooLoo's UE Diary

I wouldn't be worrying too much about RMA / NCO Looloo,
I have to drive past their offices on my way to and from work everyday, from who I see wandering in and out the door, they are mostly knuckle dragging kids employed there, probably to man the phone lines and stick pre printed threat letters in envelopes to try and spook folk.

I have had them on my case with a couple of accounts, and they soon moved on to bother someone else when they had a couple of Niddys knowledgeable letter templates...

Good Luck
Allan

[garlok]

Re: LooLoo's UE Diary

They don't issue roller skates for their knuckles to ride on in Preston then?

Garlok

[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
10th November - letter received dated 4th November - NOTICE OF LEGAL ACTION they have passed my account to thier Litigation Department to commence court action for payment!!!

Eeeeeeeeeeeek!

[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.
19th October - two letters received - first one saying they have not heard from me and if fail to contact them they will issue me with a default notice before they instigage legal proceedings to recover the debt. The second letter was a "Telemessage" saying please contact them. On the plus side they have stopped ringing 30 times a day.
10th November - two letters received dated 2nd November - one saying they cancelled my card and one with a default notice

assume nothing doing here - but I am a bit confused as they defaulted me in March?

[swanfan]

Re: LooLoo's UE Diary

assume nothing doing here - but I am a bit confused as they defaulted me in March?

Checked your CRA files Loo?

[LooLoo]

Re: LooLoo's UE Diary

Checked your CRA files Loo?

not lately - guess i should do

[Never-In-Doubt]

Re: LooLoo's UE Diary

10th November - letter received dated 4th November - NOTICE OF LEGAL ACTION they have passed my account to thier Litigation Department to commence court action for payment!!! Eeeeeeeeeeeek!

Send threat of litigation.....

[Never-In-Doubt]

Re: LooLoo's UE Diary

Checked your CRA files Loo?

not lately - guess i should do

Nope, no need as it really doesn't matter at this stage - just ignore them for now

[LooLoo]

Re: LooLoo's UE Diary

Cheers - letter done and sent to HBOS and will ignore Coop for now

I did also get a letter from Egg/Barclaycard - saying that my egg card is now with Barclays - so PHEW glad bank all changed over now!!

Thanks Birthday Boy

[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
10th November - letter received dated 4th November - NOTICE OF LEGAL ACTION they have passed my account to thier Litigation Department to commence court action for payment!!!
11th November - threat by credit to commence litigation proceedings sent
18th November - letter received dated 14th November - just saying they have already written to me on 12th August - saying that the account is enforcable and i can contact the Ombusman if I remain dis-satisfied - meantime can i call their helpline to make proposals for payment

Letter as per above recieved

[LooLoo]

Re: LooLoo's UE Diary

Well new bank account with Nationwide should have been all set up to go - all DD and SO set up......... only to find STUPID ACCOUNTS DIVVY paid my salary into my old Barlcays account..................... should all be sorted now but suffice to say NOT AMUSED