Adinuff's UE Diary

[Adinuff]

Re: Adinuff's UE Diary

I think they're probably using the term default rather loosely there. In any event if they did add one it's best to leave it until the account is well and truly Statute Barred.

Hi Elsa,
That may be the case but its taken 6 years to get rid of original one. Now if they do decide to put another one because there debt is unenforceable. I really dont think thats fair. Perhaps i can deal with the credit reference agencies and explain to them?

Adinuff

[Undercover Elsa]

Re: Adinuff's UE Diary

I think they're probably using the term default rather loosely there. In any event if they did add one it's best to leave it until the account is well and truly Statute Barred.

[Adinuff]

Re: Adinuff's UE Diary

Egg card (mine)

Balance Approx - £8575.46

Default Date - Approx 2006

Default Amount - Not known

DMP -(Payplan) - £24.89 Stopped Paying

Sold too - Credit Solutions

21/01/13 sent off CCA and SAR request too Barclaycard
11/02/13 Recieved acknowledgement of request for Section 78 and 189.

15/02/13 Reiceved Recon from Barclaycard. Also covering letter stating "nothwihstanding that we cannot currently enforce the agreement, our rights continue to exsist under the agreement...blah blah

07/03/13 - Stopped payment

10/09/13 - Letter from Barclaycard. Your debt has now been passed onto Allied International Credit Uk to manage the collection of the balance outstanding on your account. Gonna ignore

08/10/2013 Letter from AIC. Balance outstanding please pay. We are unaware for a reason for non payment.

29/10/13 - Letter from Allied International Credit. Last chance for you to work with us Gonna ignore

06/01/14 - Letter from AIC. No payment has been made and this account is now considered to be in default. Please contact us to discuss this default.

Hi Guys,
Seems like your words were true and Barclayshark like to add a default. its not come up on my noodle report yet. But this only gets updated once a month. The original creditor was Egg and they registered a defualt over 6 years ago and this fell of my file. What would be course of action if they have registered another default on my account?

Many thanks


Adinuff

[SaltnVinegar]

Re: Adinuff's UE Diary

I don't like Lewis Group and Howard Cohen.

I would send Threat-o-Gram:Letter before Action to Howard Cohen. Have you kept the letter that was returned to you, the envelope and proof of posting it recorded delivery?

Me neither - I'd be VERY active in getting letters sent back to them and be clear you are going to put up a fight. They do seem to like to issue claims on a whim if you don't.

[Pixie]

Re: Adinuff's UE Diary

I don't like Lewis Group and Howard Cohen.

I would send Threat-o-Gram:Letter before Action to Howard Cohen. Have you kept the letter that was returned to you, the envelope and proof of posting it recorded delivery?

[Adinuff]

Re: Adinuff's UE Diary

HBOS CC (wife)

Balance approx - £4967

Default Date - Approx 2006

Default Amount - £6000

DMP (Payplan) - £14.41 Stopped Payment

Sold - Lewis group


21/01/13- SAR and CCA request sent

24/01/13 -Section 77/78 request returned, signature required.

04/0/13 - Reconstitued version of the executed agreeement sent. Will send original signed application to comply with 60/61 request

04/02/13 - SAR request returned again. Will let me collect from local branch


10/02/13 - letter sent comfirming address of my local branch to collect SAR

18/02/13 - Copy of original signed application sent. Letter stating no need to send original.

19/02/13 - SAR request - letter stating they are in process of requesting information. Will send information by 26 March 2013

02/03/13 - recieved correspondence from niddy saying CCA are unforceable AT the moment. Need to send a letter asking for prescribed T&C's

05/03/13 - Sent off letter stating missing Pres T&C's

07/03/13 - Stopped payment

08/06/13 - Letter received from CL finance that we have failed to make agreed payments. We need to make payments within 10 days otherwise termination of agreement and a doorstep visit to collect payment.

12/08/13 - Letter received from HC & Co Solicitors. notice of pending action. we have been instructed to issue a claim against you in the county court in respect of above debt. Should you fail to respond to this letter, a claim will be issued against you without any further notice. Our client has asked that we take this final opportunity to remind you off implications of action being taken against you through court. Need advice on this one.

23/08/13 - Sent letter regarding my CCA request not being fulfilled. This letter was returned this morning. address matches that of Howard Cohen solicitors. Rang automated system for track and trace and went online and it says letter still in system.

13/11/13 - Letter recieved from HC & Co Solicitors. Notice of pending legal action. we have instructed to issue a claim against you in the county court in respect of the above debt. Should you fail to respond a claim will be issued.

Hi Guys,
H Cohen sending the county court threat again. I sent my CCA being unfilled letter and it was sent back unsigned for. You think i should resend or just lay low for the time being.

Cheers

Adinuff

[nightwatch]

Re: Adinuff's UE Diary

Egg, just watch Barcs they sometimes add another default and then when you question it say they have no record of any earlier default.

[nightwatch]

Re: Adinuff's UE Diary

i would send a sold while in dispute letter(HBOS) to HL

[Adinuff]

Re: Adinuff's UE Diary

Egg Card (wife)

Balance Approx - £2570.62

Default date - Approx 2006

Default Amount Not known

DMP (Payplan) - £7.46 Stopped Paying

Barclays bank Plc CDS Collections

21/01/13 - SAR and CCA request sent too Barclaycard
18/02/13 - Letter received Acknowledging receipt of request. Will respond asap.
21/02/2013 - Letter received from barclaycard too say they have been careless with CCA :-)Cant enforce, would u be soo nice and keep up payments :-D
07/03/13 - stopped payment
19/06/13 - Received letter from BC that they have not received any payment for the account. Please make immediate payment. Gonna ignore.

12/07/13 - Letter from Barclaycard stating that we have not received any payment. BLAH
11/08/13 - Letter received from Barclaycard. we are writing to let you know we have not received any payment for the above account. Please make immediate payment for full outstanding balance.

01/10/13 - letter from Barclayshark. Formal demand for payment. as you have not responded to the default notice you were sent my Mercers Debt Collection Ltd. Payment of the outstanding balance shown above is now due in full. this formal demand is a legal document. we are notifying you of our intention to file a default at the credit reference agencies.

Hi Guys,
Egg have already registered a default on this account more than 6 years ago. I know that they cant register another default for same debt twice even if they have bought it. Also i never recieved anything from mercers!! Should i send a letter to them?

Adinuff

[Adinuff]

Re: Adinuff's UE Diary

HBOS CC (mine)

Balance Approx - £14175

Default Date - Approx 2006

Default Amount - £17000

DMP (Payplan) - £41.13 stopped Paying

Sold - London Scottish Finance Ltd

21/01/13- SAR and CCA request sent

24/01/13 -Section 77/78 request returned, signature required.

04/0/13 - Reconstitued version of the executed agreeement sent. Will send original signed application to comply with 60/61 request

04/02/13 - SAR request returned again. Will let me collect from local branch


10/02/13 - letter sent comfirming address of my local branch to collect SAR

18/02/13 - Copy of original signed application sent. Letter stating no need to send original.

19/02/13 - SAR request - letter stating they are in process of requesting information. Will send information by 26 March 2013

02/03/13 - recieved correspondence from niddy saying CCA are unforceable AT the moment. Need to send a letter asking for prescribed T&C's

05/03/13 - Sent off letter stating missing Pres T&C's

07/01/13 - Stopped payment

17/05/13 - Letter from RobbingScum - With effect from 8th May your account will no longer be managed by Horwich Farrelly. All future correspondence sent to you will now be directly from Robinson Way Ltd

22/05/13 - Letter sent from robinson scum. "We agreed and affordable payment with your money advisor, but have not received the agreed repayments.

11/09/13 - Letter sent from Halifax. As we haven't been able to agree a suitable repayment plan we have transferred your halifax - card to a DCA called Apex Credit MGT.

11/09/13 - Letter from apex Credit MGT. Apex credit mgt has received instructions from our client, Lloyds banking group regarding your account. Our role is to act as intermediary between you and them to ensure that the debt is paid.. We have an ethical approach to collection of debt. Gonna Ignore.

25/09/13 - Letter received from Apex Mgt. We are disappointed that despite our efforts to contact you regarding your debt with HBOS Group. We now believe you are simply avoiding paying your debt and must therefore act in the best interests of our client. We utilise external data sources to profile our accounts carefully and believe that you have the ability to make payments on this debt. Consequently your account will be passed to our internal litigation team in order to consider best course of action. this may include legal action to obtain a county court judgement which we may then seek to enforce by way of charging order or attachment to earnings application.

08/10/13 - 08/10/13 - Letter from HL Solicitors. We have been instructed by Apex Credit Management. Unless our client recieves payment in full or a valid reason for non payment of the account within 7 days, then court proceedigs may be taken against you without further notice.

Hi Guys,
I've heard HL Solicitors are a bunch of threatogram merchants? Anyone know of these lot. Should i send of missing P & T's letter?

Adinuff

[vint1954]

Re: Adinuff's UE Diary

Just a one liner referring them to your missing PT's letter 13th May to robway

[Adinuff]

Re: Adinuff's UE Diary

Its legalese - they do not say that they use external data sources to get information on your earnings, rather that they use these sources to 'profile their accounts'.

External data sources =

1) Credit reference agencies - doesn't really tell them much other than maybe the balance of your current account and as this is a snapshot cannot be considered a reliable assessment of your earnings (or shouldn't)
2) Mystic Meg
3) Sticking finger out of window on 5th floor of the office into the wind
4) Telepathy
5) Checking if cows are lying down in the nearby farm (another good source of bovine excrement other than their letters)
6) Position of the moon in the equinox of Sagittarius
7) The mating patterns of the local flea population

LOLOLOLOLOLOL

thats all i can do...made my day


cheers guys

[SaltnVinegar]

Re: Adinuff's UE Diary

Oh! I say that covers a lot of ground: - they might look into the Pig Pen and under the dung heap?

More excrement to add to their collection.......

[The Tech Clerk]

Re: Adinuff's UE Diary

Oh! I say that covers a lot of ground: - they might look into the Pig Pen and under the dung heap?

External data sources =

1) Credit reference agencies - doesn't really tell them much other than maybe the balance of your current account and as this is a snapshot cannot be considered a reliable assessment of your earnings (or shouldn't)
2) Mystic Meg
3) Sticking finger out of window on 5th floor of the office into the wind
4) Telepathy
5) Checking if cows are lying down in the nearby farm (another good source of bovine excrement other than their letters)
6) Position of the moon in the equinox of Sagittarius
7) The mating patterns of the local flea population

[SaltnVinegar]

Re: Adinuff's UE Diary

Hi Guys,
Does this look like a threatogram. little concerned at which external sources they use to gain data on earnings. Your help always appreciated.

Its legalese - they do not say that they use external data sources to get information on your earnings, rather that they use these sources to 'profile their accounts'.

External data sources =

1) Credit reference agencies - doesn't really tell them much other than maybe the balance of your current account and as this is a snapshot cannot be considered a reliable assessment of your earnings (or shouldn't)
2) Mystic Meg
3) Sticking finger out of window on 5th floor of the office into the wind
4) Telepathy
5) Checking if cows are lying down in the nearby farm (another good source of bovine excrement other than their letters)
6) Position of the moon in the equinox of Sagittarius
7) The mating patterns of the local flea population