Spud's UE Diary

[PlanB]

Re: Spud's UE Diary

Halifax Credit Card

Start: June 2001
Balance: £11200

Feb 6th
CCA sent to Niddy - Niddy says what did Niddy say?
April 17th
Token payments now due for review – Call us now
July 8th
I refer to our letter dated July 8th ref your complaint ( I have not written to them since January)
July 24th
Letter from Blair Oliver and Scott – Notice of Intended Court Action received - Contacted Paul for advice
August 10th
Reply to Blair Oliver and Scott (Pauls Letter)
August 17th
Template letter from Halifax themselves ( Bog standard template letter) But Headed "Notice of Legal Action" and claims to be a "letter before claim" - Account passed to our litigation department to commence a court action for payment ect

^^^^ Is there a bit missing from February 6th in this diary post? Did Niddy say your CCA was or

Also I can't see any letters sent to Halifax or Blair Oliver Scott which challenged their CCA response which you received in May 2012. If you haven't told them that you don't accept they've complied with your s.78 CCA Request how will they know because they're not psychic. Could this be why things are escalating Maybe you've sent some template letters but not updated your diary to reflect this, so my apologies for sounding rude if you have Perhaps there was something relevant in "Paul's letter" sent on 10th August that you haven't told us about?


EDIT: read back through diary and can see Niddy said your CCA is UE

[Spud]

Re: Spud's UE Diary

Halifax Credit Card

Start: June 2001
Balance: £11200
Last Full Payment: Nov 2011
Present: Not making payments
Status: Defaulted, Internal DCA merry-go-round

2012

Jan 05th
Missed payment letter received
Jan 16th
Missed payment letter received
Jan 18th
Missed payment letter received
Jan 20th
Change of circumstances letter sent
Feb2nd
Letter detailing last 2 missed payments
Feb 2nd
Missed payments letter received
Feb 9th
Response to my change of circumstances letter
Feb 9th
Another response to the above letter !!!
Feb 9th
Yet another response to the above same letter !!!!!!
Feb 9th
You wont believe this… Yes yet another response to the above letter !!!!!!!
Feb 17th
Default Notice received
Feb 22nd
Letter – Contact only by Phone
March 2nd
Termination notice received
March 9th
Income & Expenditure request letter
March 15th
Albion Collections – Welcome letter
April 2nd
Albion Collections – Call us letter – Still not paid
April 3rd
Letter detailing the two last missed payments
April 5th
Please freeze interest and token payment letter sent
April 12th
Albion Collections – Pay now or further action letter
April 19th
CCA Request letter sent
April 20th
Albion Collections – Income & Expenditure required letter
April 23rd
Albion Collections – Pay now before action letter
April 24th
Halifax acknowledgement of CCA request letter
May 2nd
Albion Collections – Threat of doorstep collector letter received
May 14th
CCA reply Received
May 14th
Albion Collections – Threat of doorstep collector letter received
May 17th
Please freeze interest and token payment sent
May 18th
Formal Complaint – Harassment by telephone and doorstep collector
June 2nd
Letter detailing last two missed payments
June 19th
Please freeze interest and token payment letter sent
July 4th
Formal complaint – Continued harassment after previous complaint
July 10th
Blair Oliver and Scott – Introduction letter
July 18th
Please freeze interest and token payment sent
July 23rd
Blair Oliver and Scott – Threat of Doorstep Collectors letter
August 14th
Blair Oliver and Scott – Door step Collector threat o Gram
August 20th
Contact only in writing and token payment letter sent
August 31st
Blair Oliver and Scott – Phone us letter
Sept 18th
Blair Oliver and Scott – Phone us letter
Sept 20th
Freeze interest/Contact only by phone and token payment letter sent
Oct 8th
Blair Oliver and Scott – Phone us – Doorstep Collector threat o Gram
Oct 9th
Blair Oliver and Scott - £1 pcm Token payment is acceptable
Oct 22nd
Contact only by letter and token payment letter sent
Nov 17th
Token payment sent
Dec 18th
Token payment sent

2013
Jan 21st
Token payment sent
Feb 6th
CCA sent to Niddy - Niddy says
April 17th
Token payments now due for review – Call us now
July 8th
I refer to our letter dated July 8th ref your complaint ( I have not written to them since January)
July 24th
Letter from Blair Oliver and Scott – Notice of Intended Court Action received - Contacted Paul for advice
August 10th
Reply to Blair Oliver and Scott (Pauls Letter)
August 17th
Template letter from Halifax themselves ( Bog standard template letter) But Headed "Notice of Legal Action" and claims to be a "letter before claim" - Account passed to our litigation department to commence a court action for payment ect


It could just be a scare tactic but I can see that this may now escalate - Will get back in touch with Paul and see if he is in a position to offer me some advice yet. I didn't want to have to bother him just yet with the new post ect.

Any experiences of Halifax and litigation?

[Spud]

Re: Spud's UE Diary

Thanks Mrs D

I had read about them becoming a bit more "Aggressive" so it is something I will watch out for. At this early introduction stage I will ignore and see what they come up with. This is an overdraft ( Now unauthorised and closed) account not a credit card so I imagine I will have to play it a little differently.

I think there could be some points to defend upon here but I know we have limited prtotection with regard to overdrafts ect

Some learning to be done me thinks

[MrsD]

Re: Spud's UE Diary

just keep an eye on it Spud, Moorcroft appear to have swallowed a wasp's nest recently, the amount of threatening shyte they are producing at the moment is increasing, they are usually just plain shyte but they are lashing out at the moment so just be aware.

[Spud]

Re: Spud's UE Diary

Lloyds Tsb Account - Overdraft

Start: 1997 ish
Balance: £ 4,000
Last Full Payment: Nov 2011
Present: Not making payments
Status: Defaulted, Debt collectors merrygo-round

2012

Jan 13th
You are now into an unplanned overdraft letter
Jan 20th
Change in circumstances letter sent
Feb 13th
I & E form for me to complete
Feb 15th
Thankyou for making us aware of your circumstances letter
Feb 22nd
Token payment letter sent
April 2nd
Please pay your unplanned overdraft in full within 2 days – 2 days notice??
April 5th
Please freeze interest and token payment sent
April 20th
Income and expenditure sheet for me to complete – Again
May 3rd
Apex – Welcome letter
May 17th
Contact only in writing letter sent to Lloyds
May 17th
HL Solicitors “Notice of Pending legal action” letter
May 18th
Formal Complaint – Harassment by Telephone
June 7th
We have profiled the account so you need to pay up letter
June 15th
Apex – We strongly recommend that you contact us letter
June 19th
Token payment letter sent – Please freeze interest
June 24th
We may pass this account to a “field agent”…..
July 4th
Formal complaint – Continued harassment by telephone
July 4th
H L Solicitors – Notice of pending legal action letter received
July 10th
Reply to my complaint – Very sorry - £75 Compensation
July 18th
Please freeze interest letter and token payment sent
August 20th
Contact only by letter and token payment sent
August 28th
Apex – Reduced settlement offer….Upto 20% discount
Sept 7th
We profile your account – So pay up letter X3
Sept 20th
Contact only by letter and token payment sent
Oct 9th
We profile our accounts – So pay up letter
Oct 22nd
Contact only by letter and token payment sent
Oct 22nd
H L Solicitors – Notice of pending Legal Action letter received….Again!!!
Nov 17th
Please freeze interest and token payments sent
Nov 23rd
Apex – To accept token payments we will need a new I & E form ect x 2 !!!
Dec 18th
Token payment sent

2013

Jan 21st
Token payment sent
Feb 11th
1st overdraft CCA letter sent
June 19th
Annual statement of account
July 1st
Account allocated to Moorcroft
July 6th
Moorcroft introduction letter
July 11th
Moorcroft – Possible further action letter …..Oh no …No No Not morecroft !!!!!!
Aug 12th
An introduction letter from Midas Credit Services ( Moorcroft ) - Please call moorcroft or we will consider further action....... ooooooooh

I will be ignoring this, See what they reccomend back to Lloyds !

[IF]

Re: Spud's UE Diary

Just updating my diary....Slowly

No worries Spud, you take your time matey

[Spud]

Re: Spud's UE Diary

Lloyds Tsb Account - Overdraft

Start: 1997 ish
Balance: £ 4,000
Last Full Payment: Nov 2011
Present: Not making payments
Status: Defaulted, Debt collectors merrygo-round

2012

Jan 13th
You are now into an unplanned overdraft letter
Jan 20th
Change in circumstances letter sent
Feb 13th
I & E form for me to complete
Feb 15th
Thankyou for making us aware of your circumstances letter
Feb 22nd
Token payment letter sent
April 2nd
Please pay your unplanned overdraft in full within 2 days – 2 days notice??
April 5th
Please freeze interest and token payment sent
April 20th
Income and expenditure sheet for me to complete – Again
May 3rd
Apex – Welcome letter
May 17th
Contact only in writing letter sent to Lloyds
May 17th
HL Solicitors “Notice of Pending legal action” letter
May 18th
Formal Complaint – Harassment by Telephone
June 7th
We have profiled the account so you need to pay up letter
June 15th
Apex – We strongly recommend that you contact us letter
June 19th
Token payment letter sent – Please freeze interest
June 24th
We may pass this account to a “field agent”…..
July 4th
Formal complaint – Continued harassment by telephone
July 4th
H L Solicitors – Notice of pending legal action letter received
July 10th
Reply to my complaint – Very sorry - £75 Compensation
July 18th
Please freeze interest letter and token payment sent
August 20th
Contact only by letter and token payment sent
August 28th
Apex – Reduced settlement offer….Upto 20% discount
Sept 7th
We profile your account – So pay up letter X3
Sept 20th
Contact only by letter and token payment sent
Oct 9th
We profile our accounts – So pay up letter
Oct 22nd
Contact only by letter and token payment sent
Oct 22nd
H L Solicitors – Notice of pending Legal Action letter received….Again!!!
Nov 17th
Please freeze interest and token payments sent
Nov 23rd
Apex – To accept token payments we will need a new I & E form ect x 2 !!!
Dec 18th
Token payment sent

2013

Jan 21st
Token payment sent
Feb 11th
1st overdraft CCA letter sent
June 19th
Annual statement of account
July 1st
Account allocated to Moorcroft
July 6th
Moorcroft introduction letter
July 11th
Moorcroft – Possible further action letter …..Oh no …No No Not morecroft !!!!!!


Just updating my diary....Slowly

[Spud]

Re: Spud's UE Diary

That's what I would do..........

Done

[Deepie]

Re: Spud's UE Diary

Thanks Deepie

Wescots letter sounds promising.....I suppose that is as close to the bone as I am going to get from them

Any ideas for a reply, Im thinking to wait and see what comes next

That's what I would do..........

[Spud]

Re: Spud's UE Diary

Thanks Deepie

Wescots letter sounds promising.....I suppose that is as close to the bone as I am going to get from them

Any ideas for a reply, Im thinking to wait and see what comes next

[Deepie]

Re: Spud's UE Diary

Sorry

Dont know why that posted twice.... Can we remove Post No 233?

232 is the final correct one

Done.......

[Spud]

Re: Spud's UE Diary

Sorry

Dont know why that posted twice.... Can we remove Post No 233?

232 is the final correct one

[Spud]

Re: Spud's UE Diary


Lloyds Tsb Credit Card

Start: Nov 1997
Balance: £12000
Last Full Payment: Nov 2011
Present: Not making payments
Status: Defaulted, Internal type collectors merrygo-round

2012

Jan 20th
Change in circumstances letter sent – token Payments
Jan 31st
Arrears letter received
Feb 22nd
Please freeze interest and token payment sent
Feb 29th
Arrears letter received
March 19th
Confirmation of circumstances letter received
March 21st
CCA request letter sent
March 23rd – Received 27th
Default Notice issued – Not enough time to rectify
March 28th
CCA reply received – Total recon with wrong address for period ect
April 2nd
Missing prescribed terms letter sent
April 5th
Please freeze interest and token payment sent
April 23rd
MHA Collections – Cannot accept your token payments ect
April 25th
SCM Solicitors – Pay within 14 days or Court proceedings Threat ‘O’ Gram
May 17th
Contact only in writing and token payment sent
May 18th
Formal Complaint – Harassment by Telephone
May 29th
SCM Solicitors – Pay arrears or court Threat ‘o’ Gram
May 30th
Formal complaint Acknowledgement letter
June 19th
MHA Collections – Reduced payment offer - £309 P.C.M – Yeah right!
June 19th
Please freeze interest and token payment sent
June 27th
MHA Collections Income/Expenditure request – Cannot accept token payments
July 5th
Copy of application form received with some terms
July 18th
Please freeze interest letter and token payment sent
July 27th
BLS Collections – Introduction & threat of home visit letter
August 17th
BLS – Contact us – possibility of repaying on reduced payments
August 20th
Please freeze interest/Contact by phone and token payment sent
August 28th
BLS – Essential that I phone BLS today….. I did’nt !!!!
Sept 11th
BLS – A “personal visit may be required” letter
Sept 20th
Contact only by letter and token payment sent
Sept 26th
BLS – Contact us within 14 days or force us to commence legal action…
Oct 22nd
SCM Solicitors – Pay balance within 7 days to avoid court proceedings
Oct 22nd
Contact by letter only and token payment sent
Nov 17th
Please freeze interest and token payment sent
Nov 23rd
SCM Solicitors – Cannot accept token payments letter
Dec 18th
Token payment sent


2013

Jan 8th
SCM Solicitors – Tried to contact me without success – Would I give them a call? Letter
Jan 21st
Token payment sent
Feb 6th
CCA Emailed to Niddy - Niddy says
Feb 21st
SCM – Unable to accept token payments letter
April 25th
Your account has been allocated to Wescot – Very poor quality letter - Suspicious
May 3rd
Wescot Hello letter
May 12th
Wescot – Final Notice letter
May 13th
Letter to Lloyds checking April 25th letter was genuine
May 22nd
Wescot - Reduced settlememt offer - Call us to see
June 8th
This debt will not go away letter
June 19th
Threat of doorstep recovery letter
June 25th
Modified "prove it letter sent" to Wescot
June 25th
Formal complaint to Lloyds - Harassment by telephone
June 29th
Wescot - We acknowledge that you have raised a dispute letter
July 9th
Wescot - Our client ( Lloyds Tsb) have advised that given the age of the account a copy agreement is not available letter, PS still pay us!!!!

[Slickfm]

Re: Spud's UE Diary

There's a post by Paul as to how to respond.

Am sure someone will link to it here for you. I'll ask mods - one will know where it is

It was an example reply to a letter before action (LBA)....

Bear with us. Sit tight till we get you linked to the proper reply. You need to respond properly buddy

Is this the one Niddy? allaboutFORUMS - View Single Post - Slickfm UE Diary

[Spud]

Re: Spud's UE Diary

I strongly suggest you email Paul the agreement & LBA mate. See what he says.

I'll PM you details

PM received, Read, Understood and Replied to......

Appreciating AAD members ( And Niddy) and this exellent site since.....Well since I first found you all .....