Start of my diary

[Strepsi]

Re: Start of my diary

I think I may have received good news just now! Please don't burst my bubble.

Just received letter from Moorcroft regarding my Creation (4968.38).

Please find text from letter.
'Further to your recent communication in respect of the above account, we are writing to confirm we have been in contact with Creation Financial Services Ltd.

Upon investigation of your account, our client has advised their records show that unfortunately, a copy of the agreement is unavailable due to the age of the account. However, please find enclosed statements to show how the balance was accrued.

We hope this answers any queries you may have and as a result they believe the balance we hold to be correct and due for payment.

We have placed your account on hold until the the 18th November to allow you time to receive and respond to this letter'. Then waffle.

What do you think?

[Spud]

Re: Start of my diary

I think I may have received good news just now! Please don't burst my bubble.

Just received letter from Moorcroft regarding my Creation (4968.38).

Please find text from letter.
'Further to your recent communication in respect of the above account, we are writing to confirm we have been in contact with Creation Financial Services Ltd.

Upon investigation of your account, our client has advised their records show that unfortunately, a copy of the agreement is unavailable due to the age of the account. However, please find enclosed statements to show how the balance was accrued.

We hope this answers any queries you may have and as a result they believe the balance we hold to be correct and due for payment.

We have placed your account on hold until the the 18th November to allow you time to receive and respond to this letter'. Then waffle.

What do you think?

Sounds promising.....And always a joy to see the normal Moorcroft " We believe the balance to be correct and due for payment " routine

I would be quite content to allow them to believe what they wanted......If they cannot find the agreement then there is not a fat lot they can do at the minute and they know it. What you must not do now is tell them that

If it were me I would just date the envelope and file away. I'd not reply to their letter and wait to see what they send next

[Roger]

Re: Start of my diary

I think I may have received good news just now! Please don't burst my bubble.

Just received letter from Moorcroft regarding my Creation (4968.38).

Please find text from letter.
'Further to your recent communication in respect of the above account, we are writing to confirm we have been in contact with Creation Financial Services Ltd.

Upon investigation of your account, our client has advised their records show that unfortunately, a copy of the agreement is unavailable due to the age of the account. However, please find enclosed statements to show how the balance was accrued.

We hope this answers any queries you may have and as a result they believe the balance we hold to be correct and due for payment.

We have placed your account on hold until the the 18th November to allow you time to receive and respond to this letter'. Then waffle.

What do you think?

Did you send a s.78 CCA with £1 enclosed to Moorcroft for this and was that the letter that Moorcroft are refering to? (If it was they have admitted they received it)
If you did then file that letter away carefully AND NO MORE CONTACT!!!

[Strepsi]

Re: Start of my diary

Sounds promising.....And always a joy to see the normal Moorcroft " We believe the balance to be correct and due for payment " routine

I would be quite content to allow them to believe what they wanted......If they cannot find the agreement then there is not a fat lot they can do at the minute and they know it. What you must not do now is tell them that

If it were me I would just date the envelope and file away. I'd not reply to their letter and wait to see what they send next

I won't be replying, what I find is funny is age of account, it is only 3 years old. My wife has same type of account,I am hoping their record keeping is equally as thorough!

Cheers

[Strepsi]

Re: Start of my diary

Did you send a s.78 CCA with £1 enclosed to Moorcroft for this and was that the letter that Moorcroft are refering to? (If it was they have admitted they received it)
If you did then file that letter away carefully AND NO MORE CONTACT!!!

Yes, this letter was in reply to a CCA request with the £1.00 Postal order.

[Roger]

Re: Start of my diary

Yes, this letter was in reply to a CCA request with the £1.00 Postal order.

This was Niddy's response when I received a similar letter!

Originally Posted by Roger
Sainsbury
JUN 16 Recorded letter from Global Arrow " At this time, we are unable to obtain a copy of your Consumer Credit Agreement from the originating creditor. .. Your £1.00 (Postal order) is returned"




so now you go off radar. No more contact yea

[nanna58]

Re: Start of my diary

File away but keep it very safe , sounds very promising Nids comments are worth noting , so the bubble stays intact.x

[Strepsi]

Re: Start of my diary

File away but keep it very safe , sounds very promising Nids comments are worth noting , so the bubble stays intact.x

Cheers,do you think it is worth sending to Niddy. Literally all the letter is what I wrote and a whole bunch of transaction statements.

[MrsD]

Re: Start of my diary

nope just file it and see what comes next, this is all perfectly routine

[Strepsi]

Re: Start of my diary

nope just file it and see what comes next, this is all perfectly routine

I am hoping,this maybe the start of some good luck. I was expecting all debt after 2008 to be enforceable,so I wasn't expecting that letter.

[Pixie]

Re: Start of my diary

Date and file it away safely. Unexpected good news is extra good

[Strepsi]

Re: Start of my diary

This was Niddy's response when I received a similar letter!

Originally Posted by Roger
Sainsbury
JUN 16 Recorded letter from Global Arrow " At this time, we are unable to obtain a copy of your Consumer Credit Agreement from the originating creditor. .. Your £1.00 (Postal order) is returned"




so now you go off radar. No more contact yea

Roger, can I ask what happened or is happening with this account?

[Strepsi]

Re: Start of my diary

Next Directory 4036.51

Just received letter from Next
'According to our records, your debts remain unpaid.
We are currently preparing to sell the debt to an external dca who, post this sale, will legally own the debt.

To prevent this action ... contact us by 30th October.
If we do not hear from you by this time, your debt will be sold'.

I have not made contact.

I have been informed by Niddy, that this debt is UE (I posted on different thread).

What do I do now, I will not be contacting Next.

[Strepsi]

Re: Start of my diary

B Card (wife) £4988
From Asset Link Capital
We are writing to confirm that Barclaycard have assigned your account to Asset Link Capital (no.5) ltd (alc5) on 30/9/2016 with an outstanding balance of £4988. Alc 5 have appointed link financial outsourcing to service your account on their behalf.

As you are no longer making the agreed payments,it is important that you contact Link to discuss your intentions regarding your account.

And so on...

Again I have been advised by Niddy that thjs is UE.

What is my course of action.

Cheers

[Roger]

Re: Start of my diary

Originally Posted by Roger
This was Niddy's response when I received a similar letter!

Originally Posted by Roger
Sainsbury
JUN 16 Recorded letter from Global Arrow " At this time, we are unable to obtain a copy of your Consumer Credit Agreement from the originating creditor. .. Your £1.00 (Postal order) is returned"




so now you go off radar. No more contact yea
Roger, can I ask what happened or is happening with this account?

Sorry I didn't come back to you.
Until or unless Arrow come back with your S.78 CCA they cannot legally enforce the Debt!
Niddy's advice to me and others here is NO correspondence with Arrow.
If they write then date the envelope (date received) and file away. Put the contents up on your diary and you will find that AAD has a wealth of shared advice and wisdom to restore your confidence and take control of your Life.