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  • #211
    Re: Spud's UE Diary

    Tesco Credit Card

    Start: July 2000
    Balance: £3000
    Last Full Payment: Nov 2011
    Present: Not making payments
    Status: Defaulted. Terminated,

    2012

    Jan 19th
    Default sum notice received
    Jan 20th
    Change of Circumstances letter sent
    Feb 1st
    Arrears letter received
    Feb 10th
    Financial statement request - Sent reply
    Feb 18th
    Letter received detailing last two payments
    Feb 22nd
    Contact in letter only and token payment
    March 1st
    Default notice received
    March 22nd
    Letter aknowledging my token payments
    March 21st
    CCA Request letter sent
    April 5th
    Token payment letter sent
    April 16th
    CCA reminder letter sent
    April 16th
    Request for signature for CCA
    April 19th
    Letter received detailing my last two payments
    April 20th
    Letter asking for signature ref CCA request – Declined
    April 20th
    Reply to signature request and reminder letter
    April 20th
    Termination letter received
    April 26th
    Letter asking for my signature ref CCA request
    May 2nd
    Formal complaint - Not replying to my letters - Kept my £1 CCA fee ect
    May 17th
    Account in dispute letter sent
    May 29th
    CCA Reply Received - Application form & terms (missing date!)
    May 30th
    Account in despute letter sent - Cannot read terms sent ect
    June 9th
    Letter received - Cannot yet respond to formal complaint
    June 15th
    Another ( Same) copy of application form received
    June 19th
    Letter – Please freeze interest and token payment
    July 18th
    Letter – Please freeze interest on the account and token payment
    July 19th
    Monthly budget form received wanting I & E details
    July 19th
    Default sums letter plus last 2 payments letter
    August 20th
    Contact by letter and please stop interest letter plus token payment
    Sept 3rd
    Letter received – No interest is being added to account…..Finally
    Sept 3rd
    Monthly budget form received
    Sept 20th
    Letter – Contact by letter only plus token payment
    Oct 8th
    We accept your token payment offer
    Oct 22nd
    Contact only be letter and token payment sent
    Nov 17th
    Token payment sent
    Dec 18th
    Token payment sent


    2013

    Jan 21st
    Token payment sent
    Feb 6th
    CCA emailed to Niddy –Niddy says
    March 4th
    We have not received your payment “you agreed to make” letter
    March 19th
    Reply to above.....There is not an agreement in place
    May 27th
    Letter - Account passed to recoveries team
    June 18th
    We are concidering passing to an external Collections agency
    June 20th
    I am still awaiting a reply to a letter of complaint dated 19th March - No reply
    June 25th
    We are concidering legal action to recover your debt
    July 2nd
    Modified "Prove it" letter sent - Not satisfied CCA request
    July 4th
    Sorry to hear of your complaint - We will investigate
    July 11th
    We are not in a position to respond yet letter
    July 15th
    We will shortly be taking further action against you to recover the debt
    Last edited by Spud; 22 July 2013, 00:07.
    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

    • #212
      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
      Last edited by Spud; 25 July 2013, 02:49.
      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

      • #213
        Re: Spud's UE Diary

        What!!!!

        For £112! You serious?
        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.uk

        Comment

        • #214
          Re: Spud's UE Diary

          Sorry

          Just corrected £11200

          A lovely letter from them headed "Notice of Intended Court Action"

          Sum claimed £11200 Due By 23/07/2013 ( Received it today !!!)

          Formal notice is hereby given that our client has instructed us to commence court proceedings against you without delay.

          Papers are now being prepared for commencement of action through your local court to seek a judgement against you
          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

          • #215
            Re: Spud's UE Diary

            Amex Brachers - ignore mate
            Try-it-on Natwest - send threat of litigation
            Tesco - ignore for now
            Halifax (£112) - ignore - Blair Oliver Scott (BOS) is internal to ermm hBOS!

            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.uk

            Comment

            • #216
              Re: Spud's UE Diary

              As a result of the edited post - regards Halifax, follow Paul advice on responding matey.

              --> Letters of Claim - allaboutFORUMS
              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.uk

              Comment

              • #217
                Re: Spud's UE Diary

                Thanks Niddy

                I'm not overly concerned about this letter as I have had prettymuch the same letters before from Blair Oliver and Scott and they have never come to anything.

                I ingored them then and I will ignore this one now....See what comes next

                I think this is just another tactic to make me contact them - Appreciate the help
                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

                • #218
                  Re: Spud's UE Diary

                  Originally posted by Never-In-Doubt View Post
                  As a result of the edited post - regards Halifax, follow Paul advice on responding matey.

                  --> Letters of Claim - allaboutFORUMS
                  Fair point, I can see where you are coming from...Will do

                  Its not going to hurt is it........
                  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

                  • #219
                    Re: Spud's UE Diary

                    Originally posted by Never-In-Doubt View Post
                    As a result of the edited post - regards Halifax, follow Paul advice on responding matey.

                    --> Letters of Claim - allaboutFORUMS
                    Also see this --> Civil Litigation- a guide for those who are being sued. - allaboutFORUMS

                    If they DO issue a claim email me the same day and don't stress
                    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.uk

                    Comment

                    • #220
                      Re: Spud's UE Diary


                      If they DO issue a claim email me the same day and don't stress
                      I promise....No Stress
                      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

                      • #221
                        Re: Spud's UE Diary

                        Originally posted by Spud View Post
                        Thanks Niddy

                        I'm not overly concerned about this letter as I have had prettymuch the same letters before from Blair Oliver and Scott and they have never come to anything.

                        I ingored them then and I will ignore this one now....See what comes next

                        I think this is just another tactic to make me contact them - Appreciate the help
                        Up to you matey. Your call but I'd respond - it covers you in case they DO take action cos it shows a judge you do respond to them etc.
                        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.uk

                        Comment

                        • #222
                          Re: Spud's UE Diary

                          Originally posted by Never-In-Doubt View Post
                          Up to you matey. Your call but I'd respond - it covers you in case they DO take action cos it shows a judge you do respond to them etc.
                          You are, As always... right

                          It could well be genuine this time and to ignore it would not show me in the best light should they claim

                          I will pen something tonight and get it sent off tomorrow
                          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

                          • #223
                            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
                            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.uk

                            Comment

                            • #224
                              Re: Spud's UE Diary

                              Niddy, I may need you to look over the CCA reply one more time with this one.

                              Other accounts I am more confident with but this one has a few issues " Beyond my Experience" as it were

                              See how we go I guess
                              Last edited by Spud; 24 July 2013, 21:57.
                              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

                              • #225
                                Re: Spud's UE Diary

                                Originally posted by Spud View Post
                                Niddy, I may need you to look over the CCA reply one more time with this one.

                                Other accounts I am more confident with but this one has a few issues " Beyond my Experience" as it were

                                See how we I guess
                                Want me to refer you to Paul from here on in matey?

                                As they've issued an LBA I suggest you get it looked at properly and consider a formal reply from a solicitor. Up to you. No harm in my referring you to Paul for a chat as how best to proceed...?
                                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.uk

                                Comment

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