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  • Re: clueless24 UE Diary

    Originally posted by clueless24 View Post
    Egg Banking

    Credit card
    Approx 2000
    Bal £10,861.91
    Last paid 24-2-10
    Arrangement £1 token/ stopped Feb 2010
    Status Default
    Acc Owner Egg DLC writing acting on behalf of Egg

    3-2-11 CCA request sent
    4-2-11 Delivered
    9-2-11 Recieved letter from DLC returned chq and advised write direct to EGG
    11-2-11 CCA request sent direct to Egg
    14-2-11 Delivered
    21-2-11 Recieved letter from DLC dated 18-2-11 Notice of debt recovery
    24-2-11 Recieved CCA have e-mail Niddy
    24-2-11 Recieved letter from Aplins Solicitors have been instructed by DLC on behalf of EGG to recover bal, giving me 7 days to make full payment or agreement to pay, or legal proceedings may be commenced without further notice + fixed costs and fees.
    25-2-11 NIDDY SAYS UNENFORCABLE WHOO HOO!!!!
    Have sent Threat O Gram and Original CCA letters to both DLC & Aplins
    12-3-11 Have recieved response from Hillesden Securities in response to my letter as above sent to Aplins and DLC. Noting my correspondence but that the issues raised are regarding the documentation supplied by Egg, due to the above my correspondence needs to be sent directly to thier clients Egg for them to address my concerns. Ignored
    7-4-11 Received letter from DLC advising Client may be prepared to consider reducing balance, I must telephone immediately to discuss, failure to respond may result in further action being taken.
    8-4-11 Sent Debtors final response letter recorded delivery
    19-4-11 Received letter from Hillesden Securities We have noted the content of your correspondence (Debtors final response to CCA recieved) However we note that the issues raised are regarding the documentation supplied by Egg Banking, due to the above your correspondence needs to be sent directly to our client for them to address your concerns.
    25-5-11 Recieved an e-mail from Egg advising my account has now been assigned to Barclaycard
    5-6-11 Letter recieved from Fredricksons who have been instructed by Egg to collect outstanding balance. I must contact them immediately to discuss the matter.
    5-6-11 Niddy says send Acc sold in DF of CCA
    13-6-11 Recieved letter from Fredrickson's letter before action. 7 days to pay otherwise we will refer account to solicitors who may take legal action without further notice. They have added £190 court fees and £100 Solicitors fee to the balance outstanding if proceedings are issued.
    24-6-11 Recieved letter from Fredricksons if I require documentation under the CCA 1974 I may request from thier client send £1, in the meantime please contact them to arrange payment proposals.
    24-6-11 Send CCA Missing PT's
    18-7-11 Letter from Fred Int. You have failed to make an acceptable repayment proposal on this account. THIS DEBT WILL NOT GO AWAY. Pay now.
    18-7-11 Niddy says ignore for now
    19-11-11 Letter from Bryan Carter Solicitors payment must be made within 14 days failing which we will recommend to our client that proceedings be issued without further notice. Should procedings be issued, additional charges will be added to the existing balance thus £190.00 Court Fees & £100.00 Solicitors fees. If you dispute liability for this debt please state your reasons why in writing and supply us with documentation in support of your defence to any claim. Before the account is referred to us to litigate you still have the opportunity to contact Fred Int with your payment proposals. To avoid further action contact them immediately.
    19-11-11 swanfan says send Threat before action
    27-10-11 Letter from Bryan Carter Thank you for your letter of the 19/10/11 requesting documentation. We are unable to provide this information you should request this direct from our client with a £1 fee. In the meantime you need to contact us with your payment proposals
    11-11-11 Letter from Barclaycard advising the debt has been transferred to Arrow Global Guernsey Ltd this letter is formal notice of assignment of the debt. bal o/s is now payable to Arrow. Fredricksons will continue to service the account on behalf of Arrow. Fred's will continue to honour any payment arrangement until it is due for review and they will contact you to review your circumstances.
    11-11-11 I2D. Ignore for now
    15-11-11 Letter from Fred's Despite a recent letter from Bryan Carter Solicitors you have failed to discharge your debt with our client. We are prepared to offer you one final opportunity to pay before recommending to our client that they instruct solicitors to issue a claim at my address.
    At this late stage and as gesture of goodwill we are prepared to accept a full and final settlement on this account provided that you contact us on 0845 within 48 hours
    15-11-11 Pixie send threat to commence litigation to Fred Int
    21-11-11 Letter from Arrow Global Guernsey Ltd NOTICE OF ASSIGNMENT. You should contact Fred Int as a matter of urgency to organise payment unless you believe you have received this in error or the balance is incorrect or not owed contact with all relevant info as a matter of urgency.
    28-11-11 Scary letter from Bryan Carter may be referred for court proceedings. Must pay by the 5/12/11 to avoid it going to court.
    Pixie & Niddy send Threat to commence litigation to B C
    1-12-11 Another letter from BC my letter of the 15-11-11 to Fred int has been forwarded to them. We deny harrassment but confirm all communication will be in writing.
    This account is regulated by Consumer Credit Legislation. It is our clients policy to provide agreements at the point of contract and statements throughout the duration of the account and in this regards verification of the claim has previously been provided.
    If you require documentation you must request this from our client direct.
    We note you have already admitted liability for this debt as you last made a payment in the sum of £4 direct to our client on the 3-10-2010.
    As we have no record of a valid dispute in this matter and as we have clarified our position and that of our client we look forward to hearing from you with your payment proposals.
    Do I need to respond with anything please?

    Comment


    • Re: clueless24 UE Diary

      Originally posted by clueless24 View Post
      Do I need to respond with anything please?
      Just ignore for now - see what they send next!
      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


      • Re: clueless24 UE Diary

        Originally posted by clueless24 View Post
        Argos Card Services

        Credit Acc
        Commenced 2003
        Bal £2504.77
        Last paid 01-01-10
        No arrangement but send £1 token monthly. Ceased payments 01/11/2010
        Default
        Acc owner
        Argos Card Services

        3-2-11 CCA request sent
        15-2-11 £1 chq cashed
        21-2-11 Track and Trace showing as not delivered
        26-2-11 12 + 2 days up on the 23-2-11 No CCA recieved
        23-8-11 CCA and covering letter recieved from Argos. Will e-mail Niddy for advise
        Niddy say's no T&C so UE at the moment WHOO HOO!!!!!
        28-11-11 Letter from Argos and Lowells in same envelope notice of assignment on 3/11/11 Lowells asks for the balance in full.
        7-12-11 Letter from Lowells. We're here to help. We wrote to you recently to let you know we have bought the debt o/s with Argos you have not yet cleared the o/s balance or entered into a repayment plan and they have asked us to get in touch. You need to pay in full, contact us to talk about how you are going to pay it or set up a direct debit. Phone us straight away.
        Should I ignore for now please?

        Comment


        • Re: clueless24 UE Diary

          Personally I would now send this to Lowells:-

          >Unenforceability Templates - Section 3

          Suitably tailored to your specific account etc.

          regards
          Garlok

          Comment


          • Re: clueless24 UE Diary

            Originally posted by clueless24 View Post
            Should I ignore for now please?
            I Would send them this > Account Sold whilst in Dispute
            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


            • Re: clueless24 UE Diary

              Originally posted by garlok View Post
              Personally I would now send this to Lowells:-

              >Unenforceability Templates - Section 3

              Suitably tailored to your specific account etc.

              regards
              Garlok
              Originally posted by in 2 deep View Post
              I Would send them this > Account Sold whilst in Dispute
              I agree -
              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


              • Re: clueless24 UE Diary

                Originally posted by clueless24 View Post
                Lloyds TSB

                Credit Card
                Commenced approx 2006
                Approx balance £8,674.23
                Date last paid in full 1-3-10 (token £1 03/10 until 09/2010)
                Arrangement £1 per month ceased 09/2010
                Status Default
                Owner Lloyds TSB


                3-2-11 Sent CCA request
                4-2-11 Delivered
                18-2-11 Recieved CCA
                24-2-11 E-mailed Niddy the CCA
                26-2-11 NIDDY SAYS UE WHOOO HOO!!!! Have sent CCA query copy doc supplied letter
                12-3-11 Recieved response from LTSB have recieved my complaint and have sent it to Brighton Card Customer relations dept, may take 4 weeks to respond..
                9-4-11 Letter from SCM Solicitors I am required to pay balance in full within 7 days from the date of the letter (6-4-11) to avoid court proceedings being issued against me. Call them to arrange amicable agreement to pay off debt without the need to instigate etc etc.
                10-4-11 Send Threat by lender/DCA to commence litigation letter, will send special delivery as advised
                12-5-11 Received letter from SCM enclosing another CCA with some additional paperwork. In response to my letter of the 10-4-11 as above Will e-mail Niddy for advise
                16-5-11 Niddy advises sending Enough is Enough letter
                30-5-11 Recieved response from SCM Solicitors to enough is enough template. Say's please find enclosed a re-constituted credit agreement together with 2 amendments to the T&C. Please forward your repayment proposals to this office for consideration.
                20-6-11 Niddy says in breach as don't know which T&C apply ignore for time being
                22-7-11 Letter from Rob Way. Our client has authorised us to recover the full amount you owe, please pay the full amount you owe without delay or call us directly to agree an affordable payment plan. We may advise our client to start court action etc.
                Ignore for now
                1-8-11 Letter recieved today dated 1-8-11 from Rob Way. SECURITY TELEMESSAGE Recent actions on your account are giving cause for concern please contact us immediately. Please do not delay
                I2D ignore for now
                12-8-11 Letter received from Rob Way IMMEDIATE ACTION REQUIRED This is notice about your unpaid account which our client has instructed us to recover.ACT NOW call us without delay, if you fail to pay and neglect to deal with this account further action may be taken.
                13-8-11 Niddy says send Final Responce UE
                10-9-11 Letter from LTSB advising they have have complied with CCA and will not correspond further regarding the provision of copy agreements. We have enclosed with this letter a copy of the reconstituted version of your executed agreement and a signed statement of your account. We have satified under section 78 etc. There is no requirment under the CCA to provide you with a copy of the original signed agreement, but not withstanding that fact enclosed a copy of the front page of the original agreement proving your signature the PT would have been validly incorporated into the agreement on the reverse of the enclosed sheet or a seperate sheet. Goes on to quote Ray Watson and debt is enforceable pay up.
                10-9-11 I2D says ignore for now.
                19-9-11 Letter from Rob Way.
                We refer to your recent letter in which you claim this account is not enforceable. We are satisfied that the documentation provided is sufficient to demonstarate liability and we will not enter into repetetive correspondence regarding this.
                Your data will continue to be processed in line with the principles of the DPA 1998 and the account will continue to be reported to CRA's where appropriate. If you neglect to make payment to us, further action may be taken against you.We require your payment proposals within 14 days.
                19-9-11 Niddy says ignore for now
                29-9-11 Letter from Rob Way immediate action required, until it is paid your account will not be closed but may stay registered as an unpaid debt in your name. We urge you to settle your account now and clear this up once and for all. Ring us today.
                I2D ignore for now
                12-10-11 2 letters today 1 from Rob Way dated 10/10/11 IMMEDIATE ACTION REQUIRED NOTICE OF INTENDED LEGAL ACTION. Your account is still unpaid in spite of previous letters and calls and may now be passed to our solicitor for legal action to be taken. You have 10 days to pay.
                1 letter from Lloyds TSB dated 7-10-11 If you do not pay off the full amount outstanding we will allocate your payment to the outstanding balance in specific order. Since no interest or charges are being applied to your account, your payment will be used to pay off your outstanding balance. it lists 2 payments £1.00 on the 15-10-10 & £4.00 on the 9-11-10. I was going into hospital and paid £4 for the next 4 months. I had an arrangement of £1pm (ceased payments in Nov 2010) Goes on to say if I have a problem with my aggrement please try to settle it with them first.
                12-10-11 I2D says ignore the one from Lloyds send Threat by creditor to commence litigation to Rob Way.
                24-10-11 Letter from Rob Way We refer to your letter in which I claim this account is UE, they are satisfied they have provided docs to demonstrate liability and will not enter into repetitive correspondence. We require your payment proposals within 14 days or else!!!!
                P277 Swanfan says ignore for now.
                12-11-11 Letter from Horwich Farrelly we may advise our client to commence court action against you as a result of your failure to settle this account. Even at this late stage you can avoid court action by making a payment to us or by making a proposal that you can afford.
                If I wish to make a proposal please set out a simple statement of your means and any circumstances you wish us to consider. Any queries please call us or our client Robinson Way.
                P290 I2D ignore for now
                9-12-11 Letter from Credit Security Ltd, Debt Enforcement Office, The Old Courthouse, Whitchurch. We have been instructed by our client to recover the o/s debt. Unless there is a valid reason for non payment settlement is required within 7 days.
                Should I respond with anything please?

                Comment


                • Re: clueless24 UE Diary

                  Hi clueless,

                  I would think sending this to them:-

                  > Account Sold whilst in Dispute

                  Just to let them chew on it a bit as they are new kiddies on the block.

                  regards
                  Garlok

                  Comment


                  • Re: clueless24 UE Diary

                    Originally posted by clueless24 View Post
                    Egg Banking

                    Loan
                    Date commenced approx 2000 topped up in 2005 (correction new loan Jan 2007)
                    Bal £5,297.44 (correction Bal o/s £2,769.17)
                    Last paid Feb 2010
                    Arrangement £1 token monthly
                    Status Defaulted
                    Acc owner Egg Banking / Moorcroft collecting on behalf of Egg

                    3-2-11 CCA request sent to Moorcroft
                    12-2-11 Recieved reply from Moorcroft with returned chq and advised to write direct to egg
                    15-2-11 CCA request direct to Egg
                    16-2-11 Delivered
                    26-2-11 Letter from Moorcroft to contact them within the next 48 hrs and make payment, they may recommend that thier clients solicitors commence legal proceeding without further notice. Letter says I have not made a payment since 6/11/10 (I paid £4 as payments for Nov/Dec/Jan/Feb enclosed covering letter explaining I was going into hospital and token payment was for 4 months) No CCA recieved but 12 +2 days not up till 4th Mar
                    28-2-11 Recieved CCA from Egg will E-Mail Niddy. I had successfully reclaimed PPI on this Loan in Sep 2010 as it was miss sold, the refund was paid directly to the account as I was in default on the loan, hence the correction in the balance o/s and my confusion over the date, sorry
                    Niddy says Enforceable
                    1-5-11 Recieved letter from Moorcroft advising that the account has been returned to OC and I should contact them in the future. As this debt is E I have been paying £1 per month to Moorcroft. I will now send this months payment direct to Egg.
                    Have continued to make monthly £1 payments to date
                    10-8-11 Received my credit report from call credit. It shows that this account has a termination balance of 0,current balance is 0, the date of default satisfied as 31-7-11, in the most recent account status it is showing as DA (debt assignment or transferred to another organisation) date account updated 31-7-11.
                    8-9-11 Called Egg (I know) to ask for the current status of this account as it is showing as settled on my credit reports, I have been sending £1 a month as this is E firstly to Egg then Moorcroft then back to Egg, They told me the Egg group was sold to Arrow Global (sounds like a DCA to me) and that Egg no longer are my data controller and that they wrote to me in july 2011 telling me this, (never recieved) because they no longer own the debt they cannot provide me with copies of the supposed letter they sent, and here's the twist I have sent the last 2 months £1 payment to Egg and they have cashed them.
                    9-9-11 Niddy says stop paying and wait till I hear from them
                    15-12-11 Phone call this morning 01932 251000 said he was from Brittania Collections calling about an outstanding debt owed to Egg would I pay over the phone now, I played dumb said I didn't know what he was talking about, He said was I being stupid they have my phone number so they know it's me, no security questions just wanted me to pay. Then said if I was buggering about thats fine they will go straight to litigation.
                    Normally I would not answer the phone but was expecting an important call so picked up, He was really aggresive and rude and this call has really upset me (not having a great time at the moment). I have had no correspondence on this debt from these people, last letter was from Moorcroft back in April 11, when they said returned to OC.
                    Niddy said it's Enforceable, debt has gone from Egg to Moorcroft to Prudential to Arrow, only one to have written is Moorcroft. Should I just sit tight and wait or do I need to send something? Thank you

                    Comment


                    • Re: clueless24 UE Diary

                      i would just sit tight Clueless, if you've never heard from these people before why would you pay some random bloke who phones you up and says you owe money?
                      He's broken loads of rules and ignored loads of guidance and he was rude and aggressive to boot.
                      Try not to worry and just ignore it for now, if they really are chasing the debt, they will write and you can deal then.
                      Don't be harassed by these lowlifes!

                      Comment


                      • Re: clueless24 UE Diary

                        Originally posted by clueless24 View Post
                        MBNA

                        Credit Card
                        Commenced 17-2-07
                        Bal £12,273.59
                        Last paid 5-3-10
                        Arrangement
                        £1 token monthly
                        Status Default
                        Acc owner MBNA

                        3-2-11 CCA request sent
                        7-2-11 Delivered
                        21-2-11 CCA received
                        25-2-11 E-mailed Niddy the CCA
                        26-2-11 NIDDY SAY UE WHOOO HOOO!!! sent CCA query copy doc supplied
                        25-3-11 Recieved letter from Allied International Credit they are reviewing my file with Collection & Litigation Dept to consider if further action is required. However a one off early settlement offer is available at a 50% discount on the balance o/s to be paid on or before the 31st March and neither we nor our client will pursue you further in regards to the above account.
                        23-3-11 Ignore letter above
                        18-6-11 Recieved letter today from MBNA dated 24-5-11 (I have kept the envelope) in response to my letter of the 26-2-11 as above ? copy doc supplied. Saying they have supplied a true copy under sec 78, goes on to confirm date and how account was opened tick box, on line etc. We are satisfied that the regulated credit agreement into which we entered satisfies all relevent legal and regulatory requirments. As such there is no need to seek an enforcement order in order to exercise our rights
                        20-6-11 Niddy advises to ignore and update when I hear from FOS re PPI mis-sold
                        24-6-11 Letter from FOS upholding claim for miss-selling of PPI. MBNA have agreed to make a poposed offer of settlement and will write within 8 weeks but will be following FOS general approach for mis-sold policy.
                        8-7-11 Letter from F.O.S advising that MBNA will aim to complete the payment within the next 8 weeks
                        11-7-11 Letter received from MBNA (dated 8-7-11) We are taking further action to recover your debt. Following previous correspondence, which confirmed the termination of your MBNA credit agreement, please note you are still required to repay your debt. We have decided that we will take the action of placing your debt with a DCA to collect on our behalf. We will pass all your details to Fredrickson Int.
                        11-7-11 Letter from Fredrickson Int (dated 11-7-11) Do not ignore immediate payment required, we have been instructed by MBNA who have passed this account to us for collection of the outstanding balance. You must contact us immediately.
                        11-7-11 I2D send Acc sold whilst in default.
                        29-7-11 Received letter from Fred Int. We have referred the matter to our client and will revert to you as soon as we are in receipt of instructions. In the meantime we confirm that we have placed the account on hold.
                        10-9-11 Letter re PPI reclaim advising that a cheque will be sent within next 28 days to settle claim. I bet they don't as account is in default, but it would be nice.
                        Cheque arrived today, am I doing anything legally wrong if I cash it, morally I should send it back to reduce the balance? Failing that does anyone need a sub?
                        18-11-11 Letter from Fred Int Account on hold for 28 days to give me time to contact our client send £1 for info etc.
                        17-12-11 Letter from Fred Int This debt must be paid within 7 days otherwise we will take immediate action, court fees of £190 and solicitors costs of £100 will be added to the debt. If a judgement or decree remains unsatisfied we may seek an enforcement or instruct a bailiff or sherrif officer to recover assets to discharge the o/s debt.
                        Should I respond with anything please?

                        Comment


                        • Re: clueless24 UE Diary

                          Originally posted by clueless24 View Post
                          Argos Card Services

                          Credit Acc
                          Commenced 2003
                          Bal £2504.77
                          Last paid 01-01-10
                          No arrangement but send £1 token monthly. Ceased payments 01/11/2010
                          Default
                          Acc owner
                          Argos Card Services

                          3-2-11 CCA request sent
                          15-2-11 £1 chq cashed
                          21-2-11 Track and Trace showing as not delivered
                          26-2-11 12 + 2 days up on the 23-2-11 No CCA recieved
                          23-8-11 CCA and covering letter recieved from Argos. Will e-mail Niddy for advise
                          Niddy say's no T&C so UE at the moment WHOO HOO!!!!!
                          28-11-11 Letter from Argos and Lowells in same envelope notice of assignment on 3/11/11 Lowells asks for the balance in full.
                          7-12-11 Letter from Lowells. We're here to help. We wrote to you recently to let you know we have bought the debt o/s with Argos you have not yet cleared the o/s balance or entered into a repayment plan and they have asked us to get in touch. You need to pay in full, contact us to talk about how you are going to pay it or set up a direct debit. Phone us straight away.
                          8-12-11 Niddy says send Account sold in dispute letter.
                          17-12-11 Letter from Lowells You still haven't agreed a repayment plan with us, the longer you leave getting in touch or paying the balance, the more you risk further action, we may also ask one of our agents to visit you at your home to discuss this account.
                          I am assuming I should await further correspondence?

                          Comment


                          • Re: clueless24 UE Diary

                            Originally posted by clueless24 View Post
                            Should I respond with anything please?
                            I Would send this..> Threat by Creditor - Threat-o-Gram Letter Before Action
                            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


                            • Re: clueless24 UE Diary

                              Originally posted by clueless24 View Post
                              I am assuming I should await further correspondence?
                              Yes just ignore that for now.....
                              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


                              • Re: clueless24 UE Diary

                                Originally posted by clueless24 View Post
                                Lloyds TSB

                                Credit Card
                                Commenced approx 2006
                                Approx balance £8,674.23
                                Date last paid in full 1-3-10 (token £1 03/10 until 09/2010)
                                Arrangement £1 per month ceased 09/2010
                                Status Default
                                Owner Lloyds TSB


                                3-2-11 Sent CCA request
                                4-2-11 Delivered
                                18-2-11 Recieved CCA
                                24-2-11 E-mailed Niddy the CCA
                                26-2-11 NIDDY SAYS UE WHOOO HOO!!!! Have sent CCA query copy doc supplied letter
                                12-3-11 Recieved response from LTSB have recieved my complaint and have sent it to Brighton Card Customer relations dept, may take 4 weeks to respond..
                                9-4-11 Letter from SCM Solicitors I am required to pay balance in full within 7 days from the date of the letter (6-4-11) to avoid court proceedings being issued against me. Call them to arrange amicable agreement to pay off debt without the need to instigate etc etc.
                                10-4-11 Send Threat by lender/DCA to commence litigation letter, will send special delivery as advised
                                12-5-11 Received letter from SCM enclosing another CCA with some additional paperwork. In response to my letter of the 10-4-11 as above Will e-mail Niddy for advise
                                16-5-11 Niddy advises sending Enough is Enough letter
                                30-5-11 Recieved response from SCM Solicitors to enough is enough template. Say's please find enclosed a re-constituted credit agreement together with 2 amendments to the T&C. Please forward your repayment proposals to this office for consideration.
                                20-6-11 Niddy says in breach as don't know which T&C apply ignore for time being
                                22-7-11 Letter from Rob Way. Our client has authorised us to recover the full amount you owe, please pay the full amount you owe without delay or call us directly to agree an affordable payment plan. We may advise our client to start court action etc.
                                Ignore for now
                                1-8-11 Letter recieved today dated 1-8-11 from Rob Way. SECURITY TELEMESSAGE Recent actions on your account are giving cause for concern please contact us immediately. Please do not delay
                                I2D ignore for now
                                12-8-11 Letter received from Rob Way IMMEDIATE ACTION REQUIRED This is notice about your unpaid account which our client has instructed us to recover.ACT NOW call us without delay, if you fail to pay and neglect to deal with this account further action may be taken.
                                13-8-11 Niddy says send Final Responce UE
                                10-9-11 Letter from LTSB advising they have have complied with CCA and will not correspond further regarding the provision of copy agreements. We have enclosed with this letter a copy of the reconstituted version of your executed agreement and a signed statement of your account. We have satified under section 78 etc. There is no requirment under the CCA to provide you with a copy of the original signed agreement, but not withstanding that fact enclosed a copy of the front page of the original agreement proving your signature the PT would have been validly incorporated into the agreement on the reverse of the enclosed sheet or a seperate sheet. Goes on to quote Ray Watson and debt is enforceable pay up.
                                10-9-11 I2D says ignore for now.
                                19-9-11 Letter from Rob Way.
                                We refer to your recent letter in which you claim this account is not enforceable. We are satisfied that the documentation provided is sufficient to demonstarate liability and we will not enter into repetetive correspondence regarding this.
                                Your data will continue to be processed in line with the principles of the DPA 1998 and the account will continue to be reported to CRA's where appropriate. If you neglect to make payment to us, further action may be taken against you.We require your payment proposals within 14 days.
                                19-9-11 Niddy says ignore for now
                                29-9-11 Letter from Rob Way immediate action required, until it is paid your account will not be closed but may stay registered as an unpaid debt in your name. We urge you to settle your account now and clear this up once and for all. Ring us today.
                                I2D ignore for now
                                12-10-11 2 letters today 1 from Rob Way dated 10/10/11 IMMEDIATE ACTION REQUIRED NOTICE OF INTENDED LEGAL ACTION. Your account is still unpaid in spite of previous letters and calls and may now be passed to our solicitor for legal action to be taken. You have 10 days to pay.
                                1 letter from Lloyds TSB dated 7-10-11 If you do not pay off the full amount outstanding we will allocate your payment to the outstanding balance in specific order. Since no interest or charges are being applied to your account, your payment will be used to pay off your outstanding balance. it lists 2 payments £1.00 on the 15-10-10 & £4.00 on the 9-11-10. I was going into hospital and paid £4 for the next 4 months. I had an arrangement of £1pm (ceased payments in Nov 2010) Goes on to say if I have a problem with my aggrement please try to settle it with them first.
                                12-10-11 I2D says ignore the one from Lloyds send Threat by creditor to commence litigation to Rob Way.
                                24-10-11 Letter from Rob Way We refer to your letter in which I claim this account is UE, they are satisfied they have provided docs to demonstrate liability and will not enter into repetitive correspondence. We require your payment proposals within 14 days or else!!!!
                                P277 Swanfan says ignore for now.
                                12-11-11 Letter from Horwich Farrelly we may advise our client to commence court action against you as a result of your failure to settle this account. Even at this late stage you can avoid court action by making a payment to us or by making a proposal that you can afford.
                                If I wish to make a proposal please set out a simple statement of your means and any circumstances you wish us to consider. Any queries please call us or our client Robinson Way.
                                P290 I2D ignore for now
                                9-12-11 Letter from Credit Security Ltd, Debt Enforcement Office, The Old Courthouse, Whitchurch. We have been instructed by our client to recover the o/s debt. Unless there is a valid reason for non payment settlement is required within 7 days.
                                Garlock. send account sold in dispute
                                24-12-11 Letter from Credit Security Ltd. We acknowledge receipt of your template letter dated the 9/12/11 and would advise you that sending one letter dated 6/12/11 does not amount to continual harassment. In order that we may request a copy Credit Agreement we would appreciate receiving a payment for the sum of £1 payable to LTSB. When repling will you kindly provide full details of your dispute and reason for non payment in order that this matter be resolved without further delay.
                                I think I should ignore and await further correspondence? But do I detect a hint of sarcasm in their letter?

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