JASSASBLUE - UE Diary

[Grassy_K]

Re: JASSASBLUE - UE Diary

Fantastic result! Congratulations.

[cymruambyth]

Re: JASSASBLUE - UE Diary

That's great news, keep it safe in case they forget what they have sent with a 'confusion' of letters.

[Pixie]

Re: JASSASBLUE - UE Diary

3 x letters received from Lowells today, 1 x copy of agreement following CCA request, 1 x requesting payment as they've complied with my request and the 3rd see below!!:

We purchased this account in good faith and were not aware of any outstanding disputes. We consider the best way to resolve this matter is to write off the outstanding balance, close the account and remove the default from my credit file.

Happy days, the power of a CCA request eh folks, another one bites the dust, AAD couldn't do it without you guys, big thank you to everyone

Fantastic!

[Susie]

Re: JASSASBLUE - UE Diary

Wow, thats a fantastic result

[Never-In-Doubt]

Re: JASSASBLUE - UE Diary

Awesome result.

[nanna58]

Re: JASSASBLUE - UE Diary

Wow what a result xxxx

[jassasblue]

Re: JASSASBLUE - UE Diary

Account Owner Argos

Type of account Store Card
Date commenced 16/11/2004
Approx balance £1590.23
Date last paid DMP 25/12/2013
Are you on arrangement or not paying DMP
Status Default on credit file 06/04/14

Letter Sent
Letter Received

03/01/14 CCA Letter Sent
20/01/14 No response yet
29/01/14 Agreement received (21 pages of small print) emailed to Niddy

Niddy says ignore

03/02/14 Missing PT's template sent
14/02/14 Letter received from Argos - Unfortunately we are unable to locate the signed copy of your agreement. We make no admissions whether or not the agreement was actually signed by yourself and reserve the right to undertake a more thorough search should it become necessary for us to enforce the agreement in court. We accept that unless we are able to locate the signed agreement or otherwise prove that it was signed by you it is unenforceable against you.

Finally after 6 years it looks like I'll get a default, this letter is very safe

25/02/14 Default notice received from Argos and notification saying DCA to be assigned. Argos never stopped the interest during my DMP, in fact I owe more now after 5 years of DMP than when I started!!!!

26/03/14 Letter from FRS Financial Recovery Services Letter, Pre Litigation Warning,
29/03/14 SWID sent
03/04/14 Letter from FRS - Notice of Intended Recovery, threatening they may refer for a home visit or legal action to obtain a CCJ - I think this has crossed with the SWID letter so ignored
01/05/14 Letter from FRS - they are delighted to offer me a settlement opportunity of minus 20% - ignored!
12/05/14 Letter from FRS - asking me to call to make payment - ignored!
24/05/14 Letter from Moorcroft Debt Recovery they are now collecting the balance, request I ring to make arrangement to pay.
03/06/14 Letter from Argos responding to my SWID 29/3/14 - They confirm that they are unable to locate my credit agreement as they have previously notified me. However they do not accept that the agreement is unenforceable and they have sent me a statement, they are to continue with Debt Collection activities. Good luck with that then Argos!
12/06/14 Letter from Moorcroft, chasing payment and notifying me that they intend to arrange a doorstep recovery visit, consider legal action and adverse entry on my credit file - ignored
25/06/14 Letter from Moorcroft - monthly instalment offer - ignored
11/07/14 Letter from Moorcroft - Commencement of legal action by external solicitors
15/07/14 Letter sent to Moorcroft Template Threat Received - Standard Threat-o-Gram sent
06/08/14 Letter from Moorcroft - requesting payment or threat of further debt recovery action - ignored
06/08/14 Letter sent to Moorcroft - SWID
17/08/14 Letter from Moorcroft - Account on hold until they contact Argos
04/09/14 Letter from Moorcroft - Argos confirm they wrote to me 12/02/14, 26/04/14, 30/05/14, Argos advise the balance is now payable to Moorcroft. What they fail to mention is they can't find my credit agreement!!!!
22/09/14 Template confirming no CCA & copy of letter from Argos sent to Moorcroft
02/10/14 Letter from Moorcroft, account returned to Argos, they are no longer dealing.
27/10/16 Letter from Moorcroft - they are acting as a collection agent for Argos - ignored

Hmm interesting, Moorcroft send a letter almost 2 years to the day they were returning my account to Argos. They state they are collections agents acting for Argos and will be in touch re repayment options.

I'm ignoring this for now until I hear from them, should I send the SWID when they next contact?

[The Tech Clerk]

Re: JASSASBLUE - UE Diary

Ignore they are only collectors who beg not debt buyer, xmas is coming and they need funds for party! no doubt I will get a begging letter as few years now

[jassasblue]

Re: JASSASBLUE - UE Diary

Brilliant thank you Tech Clerk, I'll ignore as you suggest.

In December I'll have been on my UE journey for 3 years. Halfway. I don't want to tempt fate but I hardly hear anything these days on any of my debts.

Long may it reign.....Good luck to anyone just starting out, my advice don't panic, and follow the guidance provided at all times. I wouldn't be this far without everyone here

[Spud]

Re: JASSASBLUE - UE Diary

In December I'll have been on my UE journey for 3 years. Halfway. I don't want to tempt fate but I hardly hear anything these days on any of my debts.

Its great to see the transformation from when people first start out to gaining back control to where you are now and things start to calm down a bit.....Long may it continue

[jassasblue]

Re: JASSASBLUE - UE Diary

[QUOTE=jassasblue;364744]Account Owner Argos

Type of account Store Card
Date commenced 16/11/2004
Approx balance £1590.23
Date last paid DMP 25/12/2013
Are you on arrangement or not paying DMP
Status Default on credit file 06/04/14

Letter Sent
Letter Received

03/01/14 CCA Letter Sent
20/01/14 No response yet
29/01/14 Agreement received (21 pages of small print) emailed to Niddy

Niddy says ignore

03/02/14 Missing PT's template sent
14/02/14 Letter received from Argos - Unfortunately we are unable to locate the signed copy of your agreement. We make no admissions whether or not the agreement was actually signed by yourself and reserve the right to undertake a more thorough search should it become necessary for us to enforce the agreement in court. We accept that unless we are able to locate the signed agreement or otherwise prove that it was signed by you it is unenforceable against you.

Finally after 6 years it looks like I'll get a default, this letter is very safe

25/02/14 Default notice received from Argos and notification saying DCA to be assigned. Argos never stopped the interest during my DMP, in fact I owe more now after 5 years of DMP than when I started!!!!

26/03/14 Letter from FRS Financial Recovery Services Letter, Pre Litigation Warning,
29/03/14 SWID sent
03/04/14 Letter from FRS - Notice of Intended Recovery, threatening they may refer for a home visit or legal action to obtain a CCJ - I think this has crossed with the SWID letter so ignored
01/05/14 Letter from FRS - they are delighted to offer me a settlement opportunity of minus 20% - ignored!
12/05/14 Letter from FRS - asking me to call to make payment - ignored!
24/05/14 Letter from Moorcroft Debt Recovery they are now collecting the balance, request I ring to make arrangement to pay.
03/06/14 Letter from Argos responding to my SWID 29/3/14 - They confirm that they are unable to locate my credit agreement as they have previously notified me. However they do not accept that the agreement is unenforceable and they have sent me a statement, they are to continue with Debt Collection activities. Good luck with that then Argos!
12/06/14 Letter from Moorcroft, chasing payment and notifying me that they intend to arrange a doorstep recovery visit, consider legal action and adverse entry on my credit file - ignored
25/06/14 Letter from Moorcroft - monthly instalment offer - ignored
11/07/14 Letter from Moorcroft - Commencement of legal action by external solicitors
15/07/14 Letter sent to Moorcroft Template Threat Received - Standard Threat-o-Gram sent
06/08/14 Letter from Moorcroft - requesting payment or threat of further debt recovery action - ignored
06/08/14 Letter sent to Moorcroft - SWID
17/08/14 Letter from Moorcroft - Account on hold until they contact Argos
04/09/14 Letter from Moorcroft - Argos confirm they wrote to me 12/02/14, 26/04/14, 30/05/14, Argos advise the balance is now payable to Moorcroft. What they fail to mention is they can't find my credit agreement!!!!
22/09/14 Template confirming no CCA & copy of letter from Argos sent to Moorcroft
02/10/14 Letter from Moorcroft, account returned to Argos, they are no longer dealing.
27/10/16 Letter from Moorcroft - they are acting as a collection agent for Argos - ignored


Further letter from Moorcroft - threatening further action if I don't respond either a home visit, legal action by Solicitors or an adverse entry on by credit file (hmm there's already a default showing from 2014!). Do I ignore?

As a side issue, it's a while since I donated to the site, when I tried to do this it gave me 3 options, membership, secure thread or site donation, I thought in the past I selected membership but can't remember, do I need to select all 3? TIA - Julie

[Pixie]

Re: JASSASBLUE - UE Diary

I'd ignore them if it were me.

I think it would be site donation....and thank you very much in advance The membership option is for AAD+

[jassasblue]

Re: JASSASBLUE - UE Diary

I'd ignore them if iit were me.

I thinkit would be site donation....and thank you very much in advance The membership option is for AA+

Thanks Pixie, site donation complete, worth every penny.

[jassasblue]

Re: JASSASBLUE - UE Diary

Account Owner Debt Managers Ltd, previously Next

• Type of account Next Directory Store Card
• Date commenced 25/11/2002
• Approx balance £601.00
• Date last paid DMP 25/12/2013
• Are you on arrangement or not paying DMP
• Status Default 02/10/2009 UPDATE October 16 - Default Removed due to age

Letter Sent
Letter Received

03/01/14 CCA Letter sent
11/01/14 Agreement received from Next
11/01/14 Email to Niddy
11/01/14 Email from Niddy agreement UE :-) Next course of action: http://www.all-about-debt.co.uk/old/...escribed-terms
16/01/14 PT letter sent
16/01/14 Another agreement received from Next same as 11/01/2014 - only difference they say balance £201.15 instead of £601.16
20/01/14 Letter received from Debt Managers Ltd enclosing agreement and asking for payment - ignored as crossed with PT Letter 16/01/14
18/03/14 Letter received from Debt Managers Ltd chasing for payment, they have contacted Stepchange who inform account closed!
27/03/14 Letter received from Parkgate Investigation Bureau (division of Debt Managers) chasing for payment - ignored
10/04/14 Letter received from Scotcall - Impending Debt Collection Visit
11/04/14 SWID sent
18/05/16 Email from Next they are preparing to sell the debt to a DCA - ignored

25/11/16 Notice of Assignment received from Debt Managers (Services) Ltd, they have bought the debt from Next - outstanding balance £566.16, requesting payment - do I need to send anything off to them at this stage?

[cymruambyth]

Re: JASSASBLUE - UE Diary

I'd ignore for now.