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Re: Spud's UE Diary
I'll ask Paul to pop in. See what he says but you might need to mail him the agreement
I'll ask Paul to pop in. See what he says but you might need to mail him the agreement
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I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!
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Re: Spud's UE Diary
If this goes to litigation, Then Subject to funds ( Read skint.....but will be able to find some cash if I absolutely needed it) I would have no hesitation in looking for representation through Paul ect
However, He's a busy man and I dont want to bother him unnecessarily.
If you think this could be fairly credible....Then I will certainly contact him. I do appreciate that the sum involved will make it "Worth a try" for them and I realise that somewhere down the line court action is likely
Either way, A well concidered response letter is what is required next. Before I construct that letter so that is it has maximum effect - I may need you to look over the CCA so I can hammer the points home
If you think at this stage that Paul my be a better bet, I will bow to your experience and knowledge
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: Spud's UE Diary
That is appreciated, Thankyou NiddyOriginally posted by Never-In-Doubt View PostI'll ask Paul to pop in. See what he says but you might need to mail him the agreement
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: Spud's UE Diary
I strongly suggest you email Paul the agreement & LBA mate. See what he says.
I'll PM you details
I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!
If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.ukComment
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Re: Spud's UE Diary
PM received, Read, Understood and Replied to......Originally posted by Never-In-Doubt View PostI strongly suggest you email Paul the agreement & LBA mate. See what he says.
I'll PM you details
Appreciating AAD members ( And Niddy) and this exellent site since.....Well since I first found you all .....
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: Spud's UE Diary
Is this the one Niddy? allaboutFORUMS - View Single Post - Slickfm UE DiaryOriginally posted by Never-In-Doubt View PostThere'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
Fight the good fight and we will prevail
Proud to be a member of the AAD community
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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!!!!Last edited by Spud; 11 December 2018, 13:21.I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: Spud's UE Diary
Sorry
Dont know why that posted twice.... Can we remove Post No 233?
232 is the final correct oneI'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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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 nextI'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: Spud's UE Diary
That's what I would do..........Originally posted by Spud View PostThanks 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
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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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....SlowlyI'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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"If wishes were horses, beggars would ride"
Comment
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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 !I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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