Start of my diary

[nanna58]

Re: Start of my diary

Think so at least it buys time x

[Strepsi]

Re: Start of my diary

Tesco CC 17/10/2013 - £4315

Will update diary!

Reconnection Visit
Received letter from Moorcroft indicating exact date 8th May and name for 'reconnection'.

Not CCA'd yet. Advice please?

[nightwatch]

Re: Start of my diary

send CCA request

[Strepsi]

Re: Start of my diary

Panicking a little about this debt as it appears to be enforceable and Wescot do appears to be considering legal action.

26th April 2017
£854.28

Whilst we continue to consider you for legal action to recover what you owe we'd like to offer a 30% discount to help pay off your balance. You can pay the discounted balance in one go or join our other customers who pay through affordable instalments...

Bloody CUSTOMER!!!!

Anyway this debt is enforceable..., if it were go legal I very much doubt I would win!?

Any thoughts (appreciate its personal decision), but should we just make an arrangement.

SORRY, It didn't appear to have followed from the Creation post!

[nanna58]

Re: Start of my diary

I'll try to find someone x

[cymruambyth]

Re: Start of my diary

Don't panic yet as they are considering not threatening actions. Due to the date the agreement probably is enforceable, however there may be other faults in their paperwork. If necessary you may have to consider coming to an arrangement to pay this at a sum that suits you and not them.

I think this still holds true. We have a letter before action (LBA) to send requesting paperwork if they send a letter threatening legal action. As you are already dealing with a claim you are aware of the options if this occurs. If you receive a claim that is enforceable, it is possible to reach a legally binding arrangement, such as a Tomlin Order which will not result in a CCJ, but will stop further action.

As you have said, it is up to you to make a decision, but Jo and Di have and are giving you help already.

This is referring to Creation in post 205.

[Strepsi]

Re: Start of my diary

I think this still holds true. We have a letter before action (LBA) to send requesting paperwork if they send a letter threatening legal action. As you are already dealing with a claim you are aware of the options if this occurs. If you receive a claim that is enforceable, it is possible to reach a legally binding arrangement, such as a Tomlin Order which will not result in a CCJ, but will stop further action.

As you have said, it is up to you to make a decision, but Jo and Di haveand are giving you help already.

Thanks for the advice, whilst I don't want to pay money to a dca. There is a cost attributed to legal help, at one point do you "suck it up", so to speak.

Cheers for the assistance.

[Never-In-Doubt]

Re: Start of my diary

26th April 2017
£854.28

Whilst we continue to consider you for legal action to recover what you owe we'd like to offer a 30% discount to help pay off your balance. You can pay the discounted balance in one go or join our other customers who pay through affordable instalments...

Bloody CUSTOMER!!!!

Anyway this debt is enforceable..., if it were go legal I very much doubt I would win!?

Any thoughts (appreciate its personal decision), but should we just make an arrangement.

SORRY, It didn't appear to have followed from the Creation post!

Based on the small amount and the fact they are offering 30% off I would take them up on it and start monthly payments - after all, you'll be left with around £600 owing so if you were to pay even £50pm it'd be gone in a year..... that is what I'd likely do based on all the facts at hand.

[Strepsi]

Re: Start of my diary

Based on the small amount and the fact they are offering 30% off I would take them up on it and start monthly payments - after all, you'll be left with around £600 owing so if you were to pay even £50pm it'd be gone in a year..... that is what I'd likely do based on all the facts at hand.

Thanks, for the advice. But I think the original debt was circa 550, so the remainder is made up in interest/charges.

[Still Waving]

Re: Start of my diary

Thanks, for the advice. But I think the original debt was circa 550, so the remainder is made up in interest/charges.

If I understand this correctly, this was a loan under an HP agreement. As with all credit, interest accrues. You are where you are, but a reduction of 30% is worth considering if this is an enforceable account.

[Strepsi]

Re: Start of my diary

If I understand this correctly, this was a loan under an HP agreement. As with all credit, interest accrues. You are where you are, but a reduction of 30% is worth considering if this is an enforceable account.

Point taken,cheers!

[Strepsi]

Re: Start of my diary

Point taken,cheers!

Update.

Took advice from Niddy, just set up a DD to pay this off over 36 months.

Less pressure financially on our monthly outgoings! Would still have burden of defaults if I settled it earlier...

[Strepsi]

Re: Start of my diary

Hsbc Flexi loan 31/05/2006 4863

This one has always perplexed me, I have CCA'd Moorcroft but they returned my postal order as they were no longer dealing with it.

15th June 2016
Wescot is a specialist debt collection agency and we have been instructed by our client HSBC to make contact with you to discuss the outstanding balance on this account and the repayment options available based on your personal circumstances...

25th June 2016
Our enquiries have confirmed that you are resident at the address above but we have not yet had contact from you...

5th July 40% Reduced Settlement Offer
We have written to you on several occasions asking you to contact us about this account 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 40% discount to settle your account...

Letter from HSBC 2nd May.
£4862.79

I am writing to inform you that the above account has been sold by HSBC Bank plc to (no name) on (no date).

I confirm that the amount outstanding on your account as at the date of the sale was £4862.79

have appointed Cap Quest Debt recovery as their servicing agent to manage your account on their behalf...

is now the owner of the account;...

Also received NOTICE of ASSIGNMENT From Arrow Global mentioning being managed Capquest their in collection team.

We are writing to let you that purchased your account from (no name) on (no date).

Also received letter from Capquest dated 2nd May

We are writing to you let that as from 28th April Capquest debt recovery is managing your account on behalf of.


Is this normal, also is it normal to have words missing?

I have attempted to CCA this account before,but with no success - postal being returned!

[Strepsi]

Re: Start of my diary

Hsbc 21/09/1998 1831 Overdraft Current Account

10th June 2016 HSBC
Please be advised that your account is today being referred to Wescot Credit Services Ltd who will be contacting you within the next 14 days...

15th June 2016 Wescot
Wescot is a specialist debt collection agency...

25th June 2016
Our enquiries have confirmed you are resident...

5th July 2016 40% Reduced Settlement Offer
We have written to you on several occasions asking you to contact us...

Date updated 5th May 2017
Really don't want to be vague, but received exactly same letters, same fornats and wording other than amount and account details.

From same entities HSBC, Arrow Global and Capquest.

....

[Strepsi]

Re: Start of my diary

Tesco 19/07/2013 4488
Will up date diary over the next few nights.

Advice needed, I have not CCA'd this account yet. Just received letter from Robinson Way, proposed reconnection visit 5th May.

I have never connected with them!?

Best course of action, CCA request?

Received a handwritten form back from Robinson Way, with returned postal order. No explanation why.