Roger UE Diary

[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

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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"

[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

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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

[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

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.

[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

I used templates available elsewhere on the Internet with Halifax
--
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.. "

SEP 2016 ROBINSON WAY"..Your account details have been passed to us from HALIFAX... contact within next seven days.. "

[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

---
NIDDY 11th December 2015, 09:06 #85
"..wait till the others make contact if you prefer but you need a s.78 doing as soon as they do write again. "
I Propose to send a s.78 request with £1 PO (not done before).
APR 16 Received s.78 from 1st Credit "..enclose a signed copy of your agreement and a true copy of your credit agreement .. Please contact us within 14 days.."
Will send scanned copy to Niddy when he gets back from his Hols.
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.."

OCT 16 letter from 1st Credit LEGAL DEPARTMENT "Your account has been passed to Us..Your Account will be held for 10 days.. case review which may result in statutory demand being issued..Legal department .. managing the administration of bankruptcy proceedings"
Have sent copy to Niddy who suggested send LBA .
Will be sending LBA Monday.

[Roger]

Re: Roger UE Diary

M&S
OCT 16 letter from 1st Credit LEGAL DEPARTMENT "Your account has been passed to Us..Your Account will be held for 10 days.. case review which may result in statutory demand being issued..Legal department .. managing the administration of bankruptcy proceedings"
Have sent copy to Niddy who suggested send LBA .
Will be sending LBA Monday.

OCT 16 LBA sent Recorded Delivery

[Roger]

Re: Roger UE Diary

M&S
OCT 16 letter from 1st Credit LEGAL DEPARTMENT "Your account has been passed to Us..Your Account will be held for 10 days.. case review which may result in statutory demand being issued..Legal department .. managing the administration of bankruptcy proceedings"
Have sent copy to Niddy who suggested send LBA .
Will be sending LBA Monday.
OCT 16 LBA sent Recorded Delivery

OCT 16 LBA Recorded Delivery Received and Signed For

[Roger]

Re: Roger UE Diary

British Airways AMEXCO
Type of account : Credit Card
Date commenced : Feb 2006
Approx balance : £1,100
Date last paid : May 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): NCO Resolve
----
MAY 16 CCA Recieved from Amexco and copy sent to Niddy
MAY 16 Niddy its UE "If they pester send missing PT's template to keep them at bay." Thanks Niddy!
JUL 16 Amexco " Account has been cancelled, transferred to external NCO"
Will wait for NCO contact and raise PT's template when and if they pester!!
JUL 16 NCO "Account passed to us by AMEXCO.. We have placed tour account with our Revive Department.. Contact Us to discuss repayment options.."
Will wait until they start pestering before sending PT's template (s.78 original sent to NCO , Amexco replied)
AUG 16 Amexco "A Statement of Account 4 pages plus.. Your account has been cancelled and referred to a collection Agency"
AUG 16 NCO ( 2 phone calls at different times)
AUG 16 NCO "We recently wrote to you requesting on how your account is to be managed. You need to contact us.. We look forward to hearing from you.." Not yet pestering. Will file and wait before sending PT's template
AUG 16 NCO & SEP 16 ( phone calls)
AUG 16 & SEP 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!

OCT 16 NCO "..with regret..we write to give notice that the ..account is to be closed.. referred back to our client.."
I haven't yet sent the PT's template Yet!!
Should I send this now to NCO or wait and see what comes next?

[Still Waving]

Re: Roger UE Diary

OCT 16 NCO "..with regret..we write to give notice that the ..account is to be closed.. referred back to our client.."
I haven't yet sent the PT's template Yet!!
Should I send this now to NCO or wait and see what comes next?

Waste of time if they are saying they have referred the account back. Suggest you wait to see who contacts you next.

[nightwatch]

Re: Roger UE Diary

agree with SW, wait and see what comes next

[Roger]

Re: Roger UE Diary

Originally Posted by Roger
OCT 16 NCO "..with regret..we write to give notice that the ..account is to be closed.. referred back to our client.."
I haven't yet sent the PT's template Yet!!
Should I send this now to NCO or wait and see what comes next?

Waste of time if they are saying they have referred the account back. Suggest you wait to see who contacts you next.

agree with SW, wait and see what comes next

Thank you for your good advice WILL wait for whatever comes next !

[Roger]

Re: Roger UE Diary

M&S
OCT 16 letter from 1st Credit LEGAL DEPARTMENT "Your account has been passed to Us..Your Account will be held for 10 days.. case review which may result in statutory demand being issued..Legal department .. managing the administration of bankruptcy proceedings"
Have sent copy to Niddy who suggested send LBA .
Will be sending LBA Monday.
OCT 16 LBA sent Recorded Delivery
OCT 16 LBA Recorded Delivery Received and Signed For

OCT 16 1st CREDIT Legal Dept Reply to LBA "Enclosed Notice of Assignment.. Deed of Assignment .. we are not obliged to supply you with the same..have requested original copy agreement, default notice, termination notice, statements from Original creditor and once received you will be in receipt of the same....In the interim there will be no legal action taken against you in respect of this matter.."
Any thoughts?

[Still Waving]

Re: Roger UE Diary

M&S


OCT 16 1st CREDIT Legal Dept Reply to LBA "Enclosed Notice of Assignment.. Deed of Assignment .. we are not obliged to supply you with the same..have requested original copy agreement, default notice, termination notice, statements from Original creditor and once received you will be in receipt of the same....In the interim there will be no legal action taken against you in respect of this matter.."
Any thoughts?

I've just had a similar comment from solicitors in response to LBA letter regarding an account with another lender. Will be posting it on my thread tomorrow. Wait to see what they do send, I suppose.

[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

I used templates available elsewhere on the Internet with Halifax
--
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.. "
SEP 2016 ROBINSON WAY"..Your account details have been passed to us from HALIFAX... contact within next seven days.. "

OCT 2016 ROBINSON WAY "..Contact Required. ."
Don't think I will take up their invitation!