Josefk diary

[josefk]

Re: Josefk diary

Originally Posted by josefk

• Type of account halifax Overdraft
  
• Date commenced Sept 2011
  
• Approx balance £1,000
• Date last paid June 2013
• Are you on arrangement or not paying Had a DMP but stopped paying this in June 2013.
• Status No default received but they state it is defaulted
• Account owner Halifax but chased my Moorcroft

I was paying this off as part of my DMP, when I stopped paying that this one also stopped. halifax wrote and I sent a cheque to them for the amount that the DMP was paying but rather than cash the cheque they have sent it to Moorcroft. I wrote to moorcroft stating I had no desire to deal with them and return to original lender. They replied stating they knew about the previous DMP but pay up, also said account on hold until later in April.

Any suggestions?
I sent a letter to Moorcroft which they would only have got Saturday asking for a CCA for the now unauthorised overdraft but this morning received a letter from Halifax saying the account is now with Capquest, not had any contact yet from them though. Once they make contact should I just send them that letter for the CCA? What are Capquest like?

19/5/14 Capquest has now made contact. I was going to send off asking for the CCA for the unauthorised overdraft now. Any heads up as to how Capquest are like to deal with?

6/6/14 update. Another letter from capquest telling me I need to contact them (asked me that last time as well) but no threats made. Time to send the overdraft CCA letter or wait for the next play? Phone calls stopped a month ago from them so they're not at the moment being aggressive. To be honest it's the lack of activity from anyone now that is disconcerting.

[MrsD]

Re: Josefk diary

I'd wait and see, sounds as if they aren't sure where to go with this...................

[josefk]

Re: Josefk diary

Thanks MrsD, I will do that.

[josefk]

Re: Josefk diary

Type of account halifax Overdraft
Date commenced Sept 2011
Approx balance £1,000
Date last paid June 2013
Are you on arrangement or not paying Had a DMP but stopped paying this in June 2013.
Status No default received but they state it is defaulted
Account owner Halifax but chased my Moorcroft




I was paying this off as part of my DMP, when I stopped paying that this one also stopped. halifax wrote and I sent a cheque to them for the amount that the DMP was paying but rather than cash the cheque they have sent it to Moorcroft. I wrote to moorcroft stating I had no desire to deal with them and return to original lender. They replied stating they knew about the previous DMP but pay up, also said account on hold until later in April.


Any suggestions?
I sent a letter to Moorcroft which they would only have got Saturday asking for a CCA for the now unauthorised overdraft but this morning received a letter from Halifax saying the account is now with Capquest, not had any contact yet from them though. Once they make contact should I just send them that letter for the CCA? What are Capquest like?


19/5/14 Capquest has now made contact. I was going to send off asking for the CCA for the unauthorised overdraft now. Any heads up as to how Capquest are like to deal with?
6/6/14 update. Another letter from capquest telling me I need to contact them (asked me that last time as well) but no threats made. Time to send the overdraft CCA letter or wait for the next play? Phone calls stopped a month ago from them so they're not at the moment being aggressive. To be honest it's the lack of activity from anyone now that is disconcerting.

21/6/14 update. Another letter from Capquest stating if I don't make contact by the 23rd it could affect my credit file. No actual threats just yet another contact and sort it out letter. File or reply for CCA now?

[The Tech Clerk]

Re: Josefk diary

Type of account halifax Overdraft
Date commenced Sept 2011
Approx balance £1,000
Date last paid June 2013
Are you on arrangement or not paying Had a DMP but stopped paying this in June 2013.
Status No default received but they state it is defaulted
Account owner Halifax but chased my Moorcroft




I was paying this off as part of my DMP, when I stopped paying that this one also stopped. halifax wrote and I sent a cheque to them for the amount that the DMP was paying but rather than cash the cheque they have sent it to Moorcroft. I wrote to moorcroft stating I had no desire to deal with them and return to original lender. They replied stating they knew about the previous DMP but pay up, also said account on hold until later in April.


Any suggestions?
I sent a letter to Moorcroft which they would only have got Saturday asking for a CCA for the now unauthorised overdraft but this morning received a letter from Halifax saying the account is now with Capquest, not had any contact yet from them though. Once they make contact should I just send them that letter for the CCA? What are Capquest like?


19/5/14 Capquest has now made contact. I was going to send off asking for the CCA for the unauthorised overdraft now. Any heads up as to how Capquest are like to deal with?
6/6/14 update. Another letter from capquest telling me I need to contact them (asked me that last time as well) but no threats made. Time to send the overdraft CCA letter or wait for the next play? Phone calls stopped a month ago from them so they're not at the moment being aggressive. To be honest it's the lack of activity from anyone now that is disconcerting.

21/6/14 update. Another letter from Capquest stating if I don't make contact by the 23rd it could affect my credit file. No actual threats just yet another contact and sort it out letter. File or reply for CCA now?

No CCA for overdrafts????????????????/

[josefk]

Re: Josefk diary

You've beaten me for question marks but there is a letter for overdrafts as once it becomes unauthorised it becomes regulated, which was what I was asking about whether to send that now

[josefk]

Re: Josefk diary

• Type of account First Direct CC (Actually an MBNA card DCA Stated wrongly)
  
  
• Date commenced 2007 (Had no reason to take any card out in 2007 and that year was very memorable as all debt had been cleared)
  
  
• Approx balance £4000
• Date last paid Jun 2011
  
  
• Are you on arrangement or not paying Was in DMP now stopped
  
  
• Status Again no defaults received but obviously in arrears
  
  
• Account owner Moorgate, Idem, Arden (all sending letters, all one firm out of the same address just using different headings)

Have asked for credit agreement 6 times, nothing received. Sent some information saying they bought loan and the dates I allegedly took cards out. Honestly believe the 2007 is very wrong.

Obviously will need to do the £1 fee request but it has gone quiet from them. Nothing heard in a few weeks where they were sending almost weekly.

Again any advice gratefully received.




Niddy unfortunately reckons kinda enforceable so will send off a missing terms letter.

How do people do the nice long list of goings on as I'm sure I'm updating my diary kinda wrongly?

3/5/14- received a letter from the DCA stating they were going to ask Resolvecall to pay me a visit to arrange repayment. Do I respond or wait and see? was going to send a missing terms letter for this one but other events took over.

27/6/14- Received a letter from the two letters I sent off (missing terms and Doorstep letter). First part a bit sulky saying I can do what I feel is necessary in regards to the possible visit but second part saying agreement was sent and they believe is enforceable so will carry on. Allegedly they only received the letter last week which isn't what the recorded delivery info states but then I think these people can't tell the truth for anything. Still not 100% sure if agreement is enforceable as his Niddyship was going to send to Andrew for a look. Should I file or reply as they haven't gone into the missing terms really?

[josefk]

Re: Josefk diary

Type of account halifax Overdraft
Date commenced Sept 2011
Approx balance £1,000
Date last paid June 2013
Are you on arrangement or not paying Had a DMP but stopped paying this in June 2013.
Status No default received but they state it is defaulted
Account owner Halifax but chased my Moorcroft




I was paying this off as part of my DMP, when I stopped paying that this one also stopped. halifax wrote and I sent a cheque to them for the amount that the DMP was paying but rather than cash the cheque they have sent it to Moorcroft. I wrote to moorcroft stating I had no desire to deal with them and return to original lender. They replied stating they knew about the previous DMP but pay up, also said account on hold until later in April.


Any suggestions?
I sent a letter to Moorcroft which they would only have got Saturday asking for a CCA for the now unauthorised overdraft but this morning received a letter from Halifax saying the account is now with Capquest, not had any contact yet from them though. Once they make contact should I just send them that letter for the CCA? What are Capquest like?


19/5/14 Capquest has now made contact. I was going to send off asking for the CCA for the unauthorised overdraft now. Any heads up as to how Capquest are like to deal with?
6/6/14 update. Another letter from capquest telling me I need to contact them (asked me that last time as well) but no threats made. Time to send the overdraft CCA letter or wait for the next play? Phone calls stopped a month ago from them so they're not at the moment being aggressive. To be honest it's the lack of activity from anyone now that is disconcerting.

21/6/14 update. Another letter from Capquest stating if I don't make contact by the 23rd it could affect my credit file. No actual threats just yet another contact and sort it out letter. File or reply for CCA now?

27/6/14- Still not sure how to continue, the letter wasn't threatening but at some stage I will need to reply.Just unsure whether now is the time to send the letter asking for the CCA? Any thoughts??

[Pixie]

Re: Josefk diary

Capquest are a different proposition nowadays so I would send the OD cca letter rather than ignore.

As for First Direct/MBNA I would send http://www.all-about-debt.co.uk/inde...cept-ue-status

[josefk]

Re: Josefk diary

Thanks Pixie, I will get them off asap.

Is capquest worse than the others?

[Pixie]

Re: Josefk diary

They used to be pretty toothless and cleared off pretty much as soon as you stood up to them but they've got new management and a "fresh approach". Have a read through page 27 of scarednshakin's diary http://forums.all-about-debt.co.uk/s...E-Diary/page27. I sent a new cca request to them in November and still haven't received the cca. I haven't heard anything from them since January but that was for a credit card not an overdraft.

[josefk]

Re: Josefk diary

Thanks Pixie for the heads up. I have sent the letters off today.

[josefk]

Re: Josefk diary

• Type of account First Direct CC (Actually an MBNA card DCA Stated wrongly)
  
  
• Date commenced 2007 (Had no reason to take any card out in 2007 and that year was very memorable as all debt had been cleared)
  
  
• Approx balance £4000
• Date last paid Jun 2011
  
  
• Are you on arrangement or not paying Was in DMP now stopped
  
  
• Status Again no defaults received but obviously in arrears
  
  
• Account owner Moorgate, Idem, Arden (all sending letters, all one firm out of the same address just using different headings)

Have asked for credit agreement 6 times, nothing received. Sent some information saying they bought loan and the dates I allegedly took cards out. Honestly believe the 2007 is very wrong.

Obviously will need to do the £1 fee request but it has gone quiet from them. Nothing heard in a few weeks where they were sending almost weekly.

Again any advice gratefully received.




Niddy unfortunately reckons kinda enforceable so will send off a missing terms letter.

How do people do the nice long list of goings on as I'm sure I'm updating my diary kinda wrongly?

3/5/14- received a letter from the DCA stating they were going to ask Resolvecall to pay me a visit to arrange repayment. Do I respond or wait and see? was going to send a missing terms letter for this one but other events took over.

27/6/14- Received a letter from the two letters I sent off (missing terms and Doorstep letter). First part a bit sulky saying I can do what I feel is necessary in regards to the possible visit but second part saying agreement was sent and they believe is enforceable so will carry on. Allegedly they only received the letter last week which isn't what the recorded delivery info states but then I think these people can't tell the truth for anything. Still not 100% sure if agreement is enforceable as his Niddyship was going to send to Andrew for a look. Should I file or reply as they haven't gone into the missing terms really?

7/7/14 update- Now received a letter from resolve call following sending the doorstep letter to the DCA saying they may come and visit. Ignore since I sent the DCA the letter or send them a copy?

[josefk]

Re: Josefk diary

Type of account: Halifax Overdraft
Date commenced Sept 2011
Approx balance £1,000
Date last paid June 2013
Are you on arrangement or not paying Had a DMP but stopped paying this in June 2013.
Status No default received but they state it is defaulted
Account owner Halifax but chased by Moorcroft




I was paying this off as part of my DMP, when I stopped paying that this one also stopped. halifax wrote and I sent a cheque to them for the amount that the DMP was paying but rather than cash the cheque they have sent it to Moorcroft. I wrote to moorcroft stating I had no desire to deal with them and return to original lender. They replied stating they knew about the previous DMP but pay up, also said account on hold until later in April.


Any suggestions?
I sent a letter to Moorcroft which they would only have got Saturday asking for a CCA for the now unauthorised overdraft but this morning received a letter from Halifax saying the account is now with Capquest, not had any contact yet from them though. Once they make contact should I just send them that letter for the CCA? What are Capquest like?


19/5/14 Capquest has now made contact. I was going to send off asking for the CCA for the unauthorised overdraft now. Any heads up as to how Capquest are like to deal with?
6/6/14 update. Another letter from capquest telling me I need to contact them (asked me that last time as well) but no threats made. Time to send the overdraft CCA letter or wait for the next play? Phone calls stopped a month ago from them so they're not at the moment being aggressive. To be honest it's the lack of activity from anyone now that is disconcerting.

21/6/14 update. Another letter from Capquest stating if I don't make contact by the 23rd it could affect my credit file. No actual threats just yet another contact and sort it out letter. File or reply for CCA now?

27/6/14- Still not sure how to continue, the letter wasn't threatening but at some stage I will need to reply.Just unsure whether now is the time to send the letter asking for the CCA? Any thoughts??

7/7/14 update- Sent overdraft CCA off to Capquest. Think letters crossed in the post as received a letter from them offering me to settle at a discount. Ignore or reply stating look at previous?

[Pixie]

Re: Josefk diary

It's up to you.

Personally, I would ignore and if they call just tell them to go away. They're not bailiffs and have no rights to enter your home.

I've only had 1 doorstep caller in 4 years and he went away very meekly when I told him to and shut the door in his face