Roger UE Diary

[Roger]

Re: Roger UE Diary

Hi
Did Westcot ever acknowledge your CCA letter?

No
I have the PO Number
Westcot address from their own then latest letter.
Proof of posting.
By recorded letter wasn't signed for.

[Still Waving]

Re: Roger UE Diary

SEP 2016 HALIFAX "..we have transferred your Halifax Credit Card to..Robinson Way..We've instructed Robinson Way to arrange collection of the outstanding amount.. "
There is an Outstanding s.78 with WESCOT DEC 2015

Hi
Did Westcot ever acknowledge your CCA letter?

[Roger]

Re: Roger UE Diary

Intelligent Finance (Halifax)
Type of account : Credit Card
Date commenced : Apl 2006
Approx balance : £2,100
Date last paid : Feb 2012
Are you on arrangement or not paying: Was on an arrangement
Status (default/in arrears/up-to-date) : Default
Account owner (who is writing to you, a DCA or the lender): Halifax

-------
Halifax Oct 2015 "However I have just received a letter saying they have instructed Wescot Credit Services Ltd to arrange collection of the outstanding balance"
Wescot's letter 18 / 11/ 2015 ".. we have been instructed by our client, Halifax Credit Card.."
AAD advised "Not to respond, see what they send next, keep Us updated"
Wescot reminder (undated) arrived 26/11 "We wrote to you recently.." Have NOT replied.
Wescot letter arrived Dec 2015 "our enquiries have confirmed you are resident at the address above but we have not yet had contact from you". Have NOT replied
Wescot letter arrived Dec 2015 ""We have written to you on several occasions asking you to contact us, however to date we have not received a response. In an attempt to close this matter our client has agreed we can offer you a discount to settle this account .." ".. We have previously outlined the benefits of contacting us, however should you choose not to our client has instructed us to continue seeking recovery of the full balance".
"..If we are unable to discuss this matter with you and agree a way forward on your account it will be returned to our client.."
DEC 2015 Recorded Delivery s.78 Request to WESTCOT
JAN 2016 2F (WESCOT) "Confirmation of Residency"
JAN 2016 2F at phone won't prove ID
MAR 2016 HALIFAX " ..we've transferred your HALIFAX debt to debt collection agency. Moorcroft.." There is an Outstanding s.78 with WESCOT
MAR 2016 MOORCROFT ".. We have been instructed by HALIFAX.." ".. Both our client and we do not wish to take further debt recovery action but if agreement cannot be reached by 28/03/16 we may have no alternative.."
APR 2016 MOORCROFT " Automated phone calls (2) ."
APR 2016 MOORCROFT ".. To prevent possible further debt recovery action.." ".. If you do not contact us..we may .. recommend to our clients that they consider possible further debt recovery action against you .."
APR 2016 MOORCROFT ".. MONTHLY INSTALMENT OFFER .."
MAY 2016 MOORCROFT ".As no agreement has been reached we have now been asked to review your account to consider the steps which MAY be taken.."
# "..Continue in our attempts to contact you by letter and phone"
# "..arrange to call at your home address.."
# "..continued adverse reporting on your credit file"
MAY 2016 MOORCROFT "..Account passed to Home Collections Division .."
# "..MAY involve a local rep calling.."
# "..MAY offer a substantial discount.."
# "..if can't afford MAY still help.."
JUN 2016 MOORCROFT "..DISCOUNT OFFER.. Our client MAY be able to offer a substantial discount .."
AUG 2016 HALIFAX "2016 Statement " Had these in the past will just file

SEP 2016 HALIFAX "..we have transferred your Halifax Credit Card to..Robinson Way..We've instructed Robinson Way to arrange collection of the outstanding amount.. "
There is an Outstanding s.78 with WESCOT DEC 2015

[Roger]

Re: Roger UE Diary

M&S
Type of account : Credit Card
Date commenced : April 2004
Approx balance : £11,000
Date last paid : February 2012
Are you on arrangement or not paying: Was on an arrangement
Status (default/in arrears/up-to-date) : Default
Account owner (who is writing to you, a DCA or the lender): DCA 1^st Credit

------------------------------------------------------------------------------------------------
MAY 16 Niddy see [10th April 2016, 12:10 #134] as he thought its UE "I'd send 1st Credit the missing PT's template in a couple weeks just to keep them at bay." Thanks Niddy!
MAY 16 missing P/T's letter sent Recorded Delivery
MAY 16 letter from 1st Credit "Your Letter has been passed to the appropriate department and they shall respond in due course"
JUN 16 letter from 1st Credit "We do not agree with your assertions that the documents provided do not contain all the necessary prescribed terms or are illegible and we will not respond further .. Your account .. only hold for 30 days to enable repayment proposals..you may receive further collection letters if no response is forthcoming" They enclosed I & E to be completed : and resent copies of s.78 (less curiously one page) plus various statements : This is their response to my missing P/T's letter sent MAY 2016
AUG 16 letter from 1st Credit "If we don't hear from you, we can't help.. Should no contact be made .. an escalation in collections activity may be considered.." They enclosed I & E to be completed
AUG 16 letter from 1st Credit "Bankruptcy proceedings are being considered .. We would prefer not to pursue this course of action and encourage you to engage with us .."
SEP 16 letter from 1st Credit "Repay just 90% of your debt... This offer remains open for 14 days.. If you are not able to take up this offer, other repayment plans are still available"
SEP16 letter from 1st Credit "Review for Bankruptcy proceedings ..we may soon pass your account to our internal legal depart for review.. which may ..result in Bankruptcy Proceedings being issued.. We would prefer not to pursue this course of action .."

SEP 16 letter from 1st Credit "Your account will shortly be passed to our legal department to consider initiating bankruptcy proceedings ..we would encourage you to engage with us within 14 days.."

Niddy has seen their letter [AUG 16 Threat of Bankruptcy] this was His response " leave it and let us know if they try issuing a claim"

[Pixie]

Re: Roger UE Diary

Wow! Great grandparent. Congratulations. Definitely more to life than money.

[nanna58]

Re: Roger UE Diary

Wonderful news x

[nightwatch]

Re: Roger UE Diary

congratulations on the upcomming promotion to Great grandparent, i hope all goes well xxxx

[IF]

Re: Roger UE Diary

I'm so pleased you're going to be a great grandparent too Roger, congratulations to you all

Best wishes
IF

[cymruambyth]

Re: Roger UE Diary

That's great news, I look forward to the announcement of an easy pain free arrival

[Roger]

Re: Roger UE Diary

Fingers crossed for you

Good luck xx

Thank you for your kind words and shared Wisdom!
I sent Niddy a scanned copy of that first Bankruptcy threat Letter. His considered reply was "Don't worry, just leave it and let US know if they try issuing a claim."
There really is more to Life than Money. Seems I will be a Great Grandparent 2017!!

[nanna58]

Re: Roger UE Diary

Good luck xx

[cymruambyth]

Re: Roger UE Diary

Fingers crossed for you

[Roger]

Re: Roger UE Diary

M&S
Type of account : Credit Card
Date commenced : April 2004
Approx balance : £11,000
Date last paid : February 2012
Are you on arrangement or not paying: Was on an arrangement
Status (default/in arrears/up-to-date) : Default
Account owner (who is writing to you, a DCA or the lender): DCA 1^st Credit

------------------------------------------------------------------------------------------------
MAY 16 Niddy see [10th April 2016, 12:10 #134] as he thought its UE "I'd send 1st Credit the missing PT's template in a couple weeks just to keep them at bay." Thanks Niddy!
MAY 16 missing P/T's letter sent Recorded Delivery
MAY 16 letter from 1st Credit "Your Letter has been passed to the appropriate department and they shall respond in due course"
JUN 16 letter from 1st Credit "We do not agree with your assertions that the documents provided do not contain all the necessary prescribed terms or are illegible and we will not respond further .. Your account .. only hold for 30 days to enable repayment proposals..you may receive further collection letters if no response is forthcoming" They enclosed I & E to be completed : and resent copies of s.78 (less curiously one page) plus various statements : This is their response to my missing P/T's letter sent MAY 2016
AUG 16 letter from 1st Credit "If we don't hear from you, we can't help.. Should no contact be made .. an escalation in collections activity may be considered.." They enclosed I & E to be completed
AUG 16 letter from 1st Credit "Bankruptcy proceedings are being considered .. We would prefer not to pursue this course of action and encourage you to engage with us .."
SEP 16 letter from 1st Credit "Repay just 90% of your debt... This offer remains open for 14 days.. If you are not able to take up this offer, other repayment plans are still available"

SEP16 letter from 1st Credit "Review for Bankruptcy proceedings ..we may soon pass your account to our internal legal depart for review.. which may ..result in Bankruptcy Proceedings being issued.. We would prefer not to pursue this course of action .."
Niddy has seen their letter [AUG 16 Threat of Bankruptcy] this was His response " leave it and let us know if they try issuing a claim"

[Roger]

Re: Roger UE Diary

M&S
Type of account : Credit Card
Date commenced : April 2004
Approx balance : £11,000
Date last paid : February 2012
Are you on arrangement or not paying: Was on an arrangement
Status (default/in arrears/up-to-date) : Default
Account owner (who is writing to you, a DCA or the lender): DCA 1^st Credit

------------------------------------------------------------------------------------------------
MAY 16 Niddy see [10th April 2016, 12:10 #134] as he thought its UE "I'd send 1st Credit the missing PT's template in a couple weeks just to keep them at bay." Thanks Niddy!
MAY 16 missing P/T's letter sent Recorded Delivery
MAY 16 letter from 1st Credit "Your Letter has been passed to the appropriate department and they shall respond in due course"
JUN 16 letter from 1st Credit "We do not agree with your assertions that the documents provided do not contain all the necessary prescribed terms or are illegible and we will not respond further .. Your account .. only hold for 30 days to enable repayment proposals..you may receive further collection letters if no response is forthcoming" They enclosed I & E to be completed : and resent copies of s.78 (less curiously one page) plus various statements : This is their response to my missing P/T's letter sent MAY 2016
AUG 16 letter from 1st Credit "If we don't hear from you, we can't help.. Should no contact be made .. an escalation in collections activity may be considered.." They enclosed I & E to be completed
AUG 16 letter from 1st Credit "Bankruptcy proceedings are being considered .. We would prefer not to pursue this course of action and encourage you to engage with us .."

SEP 16 letter from 1st Credit "Repay just 90% of your debt... This offer remains open for 14 days.. If you are not able to take up this offer, other repayment plans are still available"
How about 0% or even less? Will just file

[Roger]

Re: Roger UE Diary

British Airways AMEXCO
AUG 16 NCO ( 1 phone call)
AUG 16 Amexco "A Statement of Account 4 pages plus.. Your account has been cancelled and referred to a collection Agency" Just a repeat of Statement already sent this month!
Will ignore and send Missing P/T's when they become stroppy!