Adinuff's UE Diary

[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 received 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.

15/02/13 - Letter received from Robbin Scum Account has now been passed to us to act as collection agent. Please contact us in 7 days. Gonna ignore.

24/02/14 - letter from Robin Scum. Please contact us for a discussion regarding this debt. Gonna ignore

22/03/14 - letter from Robin Scum. Please contact us for a discussion regarding this debt. Gonna ignore

11/04/14 Letter from Drydensfairfax Solicitors. We have been instructed by our agents Robbin Scum. Please pay within 10 days.

21/05/14 - Letter from Robin Scum. We have been unable to contact you via any other way. We may now arrange for a doorstep collector to call at your address to agree an affordable payment plan. Please call us.

07/12/15 - Letter from Robin Scum. We have not received a response from the original creditor. Action on your account has been temporarily stopped.

[Adinuff]

Re: Adinuff's UE Diary

HSBC CC (wife)

Balance Approx - £4205

Default Date - Approx 2006

Default Amount - £5100

DMP (Payplan) - £12.21 Stopped Payment

Sold - Lewis group

06/03/13 - Recieved CCa and SAR for above account.Scanning now and will send to Niddy for analysis. first thoughts are it is enforceable

07/03/13 - Word back from Niddy. Seems like the CCA is enforceable :-(

07/01/13 - Reduced payment to £1

18/03/13 - Letter addressed to wife. "Response to a request pursuant to Section 77 of the consumer Credit Act 1974. we write to your letter dated 25/01/2013???. in normal circumstances the request you have made under section 77 off the CCA 1974 is not valid and HSBC has no obligation to provide the documents you seek. This is because the info relates to closed /repaid products that are no longer in force.
However we have assumed that your request for info is likely to bin relation to obtaining details of PPI that you held with HSBC...goes onto mention CC that they think i have held with PPI. return my £1 postal order for safekeeping. [/QUOTE]

02/07/13 - Letter From CL Finance. You have failed to make agreed payments towards the concessionary arrangement on account. We require payment in 10 days of the date of letter. Going to ignore.

07/02/14 - We write to inform you by an agreement dated 13/12/13 , CL finance (part of Lewis Group) has assigned all of the rights, obligations and benefits associated with the above account to Hoist Portfolio Holding Lts to whom all monies are due. Please note Robbin Scum are now managing your account on behalf of HPH Ltd. please pay the. Gonna ignore.

08/02/14 - Thank you for paying your account by instalments to a doorstep collector. As from 27/01/14, robin Scum will be managing your account on behalf of HPH Ltd (ex HSBC) However there will be no change to the arrangement that you have with your current doorstep collector. They will be advised that they need to direct all payments to Robbin Scum instead of Lewis Group. Ring us to discuss your account.

16/04/14 - Letter from Robbin Scum. Despite attempts to contact you, the above account remains unpaid. Gonna ignore.

13/06/15 - Letter from CL Finance. Notice of Assignment to Robinscum way Ltd. Im going to reply to this letter. Standard account in dispute template.

13/06/15 - Lettter from Robinson Way. Please call us.

27/06/15 - Letter from Robinson Way. Proposed Reconnection Visit.

15/09/15 - Letter from Robinscum. Please note we have not yet received a response from the original creditor. This note is to let you know we are continuing to seek an update and will let you know the response as soon as we can. Action on your account has been temporarily stopped whilst we await a resolution.

10/10/15 - Letter from CL Finance. Notice of assignment to Robinscum. Please deal Robinscum for future correspondent. Will send sold in dispute template.

27/10/15 - Letter from Robinson Scum. We have noted recent request and we are still awaiting response from original creditor.

07/12/15 - Letter from Robin Scum. We have been notified of recent activity on your credit file, which suggests that you have obtained a new financial account. This account still remains unpaid, we would encourage you to pay. Ignore

23/03/16 - Letter from HPH. We refer to the querey you raised previosuly in relation to this account and apologize for the delay in getting back to you, we appreciate this may have been some time ago. As we are unable to resolve your query in a satisfactory manner, we have taken the decision to write off the account and cease all collections activity with immediate effect. Thanks for your patient.

06/09/16 - Letter from HPH Ltd. We apologize in getting back to you, We are unable to resolve your query in a satisfactory manner, we have taken to decision to write off the account and cease all collections activity with immediate effect.

[Adinuff]

Re: Adinuff's UE Diary

MBNA CC (mine) CCJ

Balance Approx - £9440

Default Date - Approx 2006

Default Amount - £11300

DMP (Payplan) - £27.39 monthly Stopped Paying

Sold to Link Financial

21/01/13 SAR and CCA request to Link (CCJ supersedes CCA..i know :-( )

24/01/13 recieved SAR back from Link

09/03/13 Ignore post dated 21/03/13 CCJ and CO not on this account. In the process drafting a CCA and SAR request.

29/4/13 - CCA reminder letter

19/6/13 - Letter received from MBNA. Thanks for your letter dated 29/4/13 regarding account. In response to your letter, we an confirm that information we are required to provide in accordance with section 78 of CCA Act 1974 has been forwarded to Link Financial, who purchased the account on 25 March 2013. Any further queries please contact them. Gonna ignore.

17/06/13 - Letter from MBNA. Thank you for your letter dated 29/04/13. In response to your letter we can confirm that the information we are required to provide in accordance with section 78 off CCA has been forwarded to Link Financial, who purchased the account 25/03/13.

12/08/13 - Statement of account received from link. They seem to have receiving payments of £1.41 from someone (not me for sure )

26/02/14 - Letter from Link Financial. This letter is final notification that any agreement you had with Link financial to repay your debt has been cancelled for non payment. Please call us to discuss matter. Gonna Ignore.

29/09/15 - Letter from Link Financial. Despite our efforts to collect this sum through communication and negotiation the balance remains unpaid. We will pass this onto Messrs Kearns Solictors. Going to send account in dispute letter.

20/10/15 - Letter from Link Kearns Solicitors stating we have 14 days to pay remaining balance. Sending account sold in dispute letter

22/10/15 - Letter from Link Financial . Link have sent a CCA. Will post to Niddy for analysis.

26/10/15 - The man from Del Monte he say No !! its UE

09/10/15 - Letter from Kearns Solicitors. We have complied with your S78 request on 22Oct 2015 removing any bar upon enforceability imposed by your S78 request. There is an absence of any material dispute in respect of what has, historically , always been an admitted debt, to which instalments have been paid via a DMP. Accordingly, our instructions therefore are to raise proceedings for enforcement of the agreement seeking repayments of the due of the outstanding amount together with interest and costs on or after 24 Nov 15 in default of satisfactory proposals for discharge of the outstanding balance.

27/11/15 - Court Claim forms received from County Court Business Centre. Claimant Link Financial. Kearns Solicitors representing.

[Adinuff]

Re: Adinuff's UE Diary

Halifax CC ( Wife)

Balance Approx - £8645

Default Date - Approx 2006

Default Amount - £10400

DMP (Payplan) £25.09 monthly Stopped Paying

Sold to London Scottish Finance Ltd


21/01/13- SAR and CCA request sent

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


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

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

05/03/13 - Just realised wrong account typed in original letter. Will Send in another asap for CCA and SAR request

07/03/13 - Reduced payment £1

11/03/13 - Received a reconstituted CCA from HBOS to comply with S78. Will send me original later on. Will pass onto Niddy .

27/03/13 - Recieved Original CCA from Intell finance sent to Niddy for examination

13/05/13 - Sent off missing P&T's

17/05/13 - Letter from RobbingScum - Withg 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.

10/07/13 - As We have been unable to contact you via any other way, we may now arrange for a doorstep Collection agent to call at your address to agree an affordable payment plan for you. to avoid the matter being esclated to next stage of collection please contact our office.

11/9/13 - Letter received from Halifax. debt has been passed onto Apex Credit MGT.

11/9/13 - Letter received from Apex Credit MGT. Letter instructing me that they have taken over.

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 - 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.

17/10/13 - Letter from apex credit Mgt. We will shortly be placed in position of returning your account to our client along with details of the action we have taken on their behalf. They will then be forced to consider either allowing us to take legal action or placing your account with another agency. Gonna ignore.

08/11/13 - Letter from Apex. We have made enquiries and sources have shown you are still resident at the address on this letter.

26/11/13 - 26/11/13 - Letter from Apex. we Will be shortly returning your account to our clients with details of the ation we have taken on their behalf. They will be forced to consider legal action or placing your account with another agency. Please Call . Gonna Ignore.

16/12/13 - Letter from HL Solicitors. Need full payment in for full or a valid reason for non payment of the account. If no payment received within 7 days legal proceedings will commence.

06/06/14 - Letter from BoS. We are instructing Wescot credit Services to collect debt.

17/07/15 - Letter from Cabottom. we have recently bought the account you held with BoS. Please pay. Gonna send Account in dispute letter.

18/09/15 - Letter from Cabottom. Writing to let me know not received any information from original creditor. Account placed on hold until further notice.

04/11/15 - Letter from Cabottom. Awaiting correspondence from original creditor.

[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 proceedings may be taken against you without further notice.

17/10/13 - Letter from apex credit Mgt. We will shortly be placed in position of returning your account to our client along with details of the action we have taken on their behalf. They will then be forced to consider either allowing us to take legal action or placing your account with another agency. Gonna ignore

08/11/13 - Letter from Apex. We have made enquiries and sources have shown you are still resident at the address on this letter.

26/11/13 - Letter from Apex. we Will be shortly returning your account to our clients with details of the action we have taken on their behalf. They will be forced to consider legal action or placing your account with another agency. Please Call . Gonna Ignore.

16/12/13 - Letter from HL Solicitors. Need full payment in for full or a valid reason for non payment of the account. If no payment received within 7 days legal proceedings will commence.

06/06/14 - Letter from Halifax. We are instructing westcot credit services to arrange collection.

17/07/15 - Letter from Halifax. We are writing to notify you that Halifax has assigned all of its rights to Cabottom.

17/07/15 - Letter from Cabottom. Your account has been assigned to us.

18/09/15 - Letter from Cabottom. Writing to let me know not received any information from original creditor. Account placed on hold until further notice.

04/11/15 - Letter from Cabottom. We have applied to original creditor for further information. However we have not received an answer.

[Adinuff]

Re: Adinuff's UE Diary

Natwest/RBS Tesco CC (Wife)

Balance Approx - £1370

Default date - Approx 2006

Default Amount - £1650

DMP (Payplan) - £.3.98 Stopped Paying

Sold - Moorcroft Group

21/01/13 Letter send CCA and SAR request

31/01/13 [COLOR="Red"]Letter recieved stating SAR requires a signature(DPA 1998)(Section 7[/COLOUR]

04/02/13 Replied back saying will pick all details at local branch of RBS/Natwest providing relevant ID.

11/02/13 Recieved letter back for CCA. it states signature does not match on the one we have on record

13/02/13 Sent letter back stating that CCA does not require a signature. Will pick up CCa from local branch if Identifcatin is a big issue. Also stated that the 12 days were up on the 08/02/13

25/02/13 Recieved letter back from Tesco asking for Signature again for CCA

07/03/13 Recieved letter regarding SAR from RBS. "Cannot provide information you are looking for because we cannot locate it :-)

07/01/13 - Stopped payment

09/03/13 - Drafted letter from templates regarding signature not required have 14 days to comply and send CCA. Otherwise further action will be taken and regulatory bodies informed.

11/03/13 - Recieved letter back from Tesco. they state they do not require signature part of CCA1974 but for there own "Tesco Bank Process"

08/04/13 - Received email from Moorcroft Group stating regular payments haven't been received and to contact them asap.

09/04/13 - Sent letter to moorcroft stating My CCA request dated 21.01.13 to RBS/Tesco hass not been met. Attached a copy of the letter sent.

10/04/13 - letter received from Moorcroft again. this time stating latest instalment on your agreement not received. Records show that i am using a 3rd party in dealing with them (Payplan)They are confirm that they are still prepared to accept the sum agreed before...ignoring this they should of received the letter i sent yesterday about dispute.

16/04/13 - letter from Moorcroft. They have submitted request to Tesco Bank for relevant documentation. They will not seek to enforce this debt until such time Documentation has been supplied.

27/04/13 - Letter received from Tesco. Thank you for your letter dated xx/xx/xx. As per 3 diff prev letters, we do not ask for the signature as part of the CCA 1974, but part of TESCO BANK PROCESS. We require your signature b4 we release any info and have followed correct procedure. Unfortunately you have yet again failed to provide a specimen signature. Therefore we WILL NOT release any documents. FOR YOUR INFORMATION, this account IS enforceable and we will continue to recover the sums outstanding. Gonna wait and see what they throw at us next

21/07/13 - Our Records show that despite our previous letters to you payment has not been made. Your record has not been passed to Home Collections Division for possible action. Going to ignore

16/08/13 - letter from Teco. We write to advise that due to your failure to agree or maintain repayments towards your Tesco Bank debt we have deicded to pass the managment of your account to one of our DCA. The DCA is called Robinscum Way. Going to ignore.

22/08/13 - Letter from Robinscum..Important do not ignore. Please pay us.

06/09/13 - Letter from the scum. we understand it can be difficult to maintain payment. You made a previous repayment offer which was declined ( No i didnt ! )

18/09/13 - Letter from Robin Scum. We understand your in difficult times how worrying can it be to work out to how to pay overdue accounts. We may allow your account to be paid by affordable installments of just £30 a month. Gonna ignore.

10/10/13 - Letter from Tesco Bank. Despite previous correspondence and repeated attempts. We will shortly have no alternative but to seek the assistance of a DCA.

[Adinuff]

Re: Adinuff's UE Diary

HFC CC (mine)CCJ and charging order

Balance Approx £8453

Default Date - Approx 2006

Default Amount - £10000

DMP (Payplan) - £18.27

Sold - weightmans Solictors

05/01/13 SAR and CCA request sending tomorrow

07/03/13 - Reduced payment to £1

26/03/13 - Update..this account has CCJ and charging order against house. Kept payment the same £18.27 a month.

25/04/13 - received letter back from beneficial reference SAR request.Thank you for your recent letter in which you have requested information relating to the agreements you hold with us. we have assumed that your request for information is likely to be in relation PPI policies. We can confirm the account did not hold PPI charges. Returned £10 postal order :-)From the statement they have sent 2003-2006. There is nearly £1500 of charges they have put on

[Adinuff]

Re: Adinuff's UE Diary

HFC Marbles CC (wife)

Balance Approx - £2249

Default Date - Approx 2006

Default Amount - £2700

DMP (Payplan) - £6.53

Sold - Lewis Group

05/03/13 - Have Sent CCA and SAR request to HFC. Sent wrongly to HBOS before :-(

Hi there,
does anyone have the address for HFC SAR and CCA requests to hand. Just googled and cant find anything useful.

many thanks

Adinuff

[Adinuff]

Re: Adinuff's UE Diary

Natwest/RBS Tesco CC (Wife)

Balance Approx - £1370

Default date - Approx 2006

Default Amount - £1650

DMP (Payplan) - £.3.98

Sold - Moorcroft Group

21/01/13 Letter send CCA and SAR request

31/01/13 [COLOR="Red"]Letter recieved stating SAR requires a signature(DPA 1998)(Section 7[/COLOUR]

04/02/13 Replied back saying will pick all details at local branch of RBS/Natwest providing relevant ID.

11/02/13 Recieved letter back for CCA. it states signature does not match on the one we have on record

13/02/13 Sent letter back stating that CCA does not require a signature. Will pick up CCa from local branch if Identifcatin is a big issue. Also stated that the 12 days were up on the 08/02/13

25/02/13 Recieved letter back from Tesco asking for Signature again for CCA

anyone advise me this please. Seems to be going in loops. shall i send account disputed template. have already sent in Final demand letter

[DoTheyMeanMe]

Re: Adinuff's UE Diary

Natwest/RBS Tesco CC (Wife)

Balance Approx - £1370

Default date - Approx 2006

Default Amount - £1650

DMP (Payplan) - £.3.98

Sold - Moorcroft Group

13/02/13 Sent letter back stating that CCA does not require a signature. Will pick up CCa from local branch if Identifcatin is a big issue. Also stated that the 12 days were up on the 08/02/13

25/02/13 Recieved letter back from Tesco asking for Signature again for CCA

Did you SAR Tesco and RBS separately or on one SAR?
My SAR to RBS did not get any Tesco stuff.

[Adinuff]

Re: Adinuff's UE Diary

Did you SAR Tesco and RBS separately or on one SAR?

Just SAR and CCa Tesco finance

[DoTheyMeanMe]

Re: Adinuff's UE Diary

Just SAR and CCa Tesco finance

Thanks mate.

[DoTheyMeanMe]

Re: Adinuff's UE Diary

I bet you get the same from Tesco that I did. A copy of your card application form with no PTs.

Good luck anyway.

[Adinuff]

Re: Adinuff's UE Diary

I bet you get the same from Tesco that I did. A copy of your card application form with no PTs.

Good luck anyway.

Id be happy to get anything at this stage. Sending me around in Circles. Want a signed application for CCA and SAR. Not happy with collecting from branch. And the threat letter has not budged them one bit. Dont know what to do next

Adinuff

[DoTheyMeanMe]

Re: Adinuff's UE Diary

Id be happy to get anything at this stage. Sending me around in Circles. Want a signed application for CCA and SAR. Not happy with collecting from branch. And the threat letter has not budged them one bit. Dont know what to do next

Adinuff

I think they are all good signs. If they had the proper docs they would probably send them without quibble.

I think I suggested previously that a SAR or CCA request can be signed with a 'modified' signature. Some change to it that they would not spot you would if they 'lifted' it.
TBH, I have done it a few times in the hope they would lift it and use it fraudulently.

As you are still paying these tossers there is little benefit in delaying things at this stage. It is nice to know for sure if they have the right docs.