Start of my diary

[Strepsi]

Re: Start of my diary

Halifax 05/11/2008 5118
Enforceable in Default

19th July 2016
As we haven't been able to agree a suitable repayment plan we've transferred your Halifax Credit Card account to a debt collection agency, we've instructed Wescot Credit Services Limited to arrange collection of the outstanding amount.

24th July 2016

Wescot is a specialist debt collection agency and we have by our client, Halifax Credit Card to make contact with you to discuss the outstanding balance on this account account and the repayment options available...

3rd August 2016
Our enquiries have confirmed you are resident at the address above but we have not yet agreed a solution for this account with you...

13th August 2016
We have written to you on several occasions asking you to contact us about this account, however to date we have not yet agreed a solution...

2nd December 2016 Moorcroft Debt Recovery
To prevent further debt recovery action please send your payment before 9th December... if you do not contact us following receipt of this letter we may have no alternative other than recommend to our client that they consider possible further debt recovery action against you.

16th December 2016
As we have not received any communication from you with regards to your outstanding account we are concerned that your financial position means that you may not be in a position to meet our requests to clear the account in full...

2nd January 2017 Moorcroft
We are aware that you have failed to agree an affordable repayment plan with us concerning the above account... referral to our Home Collections Division...

16th January 2016
Our records show that despite our previous attempts to contact you, you have failed to make any payments to us and therefore your account has now been passed to our Home Collections Division...

13th February 2017 Moorcroft - Discount Offer
I am disappointed to note that despite our numerous attempts to contact you no satisfactory agreement has been reached regarding the outstanding balance of £5116.44 on the above account.

13th March 2017 Moorcroft - Good News
You could be free of this debt today if you telephone us and agree one of the following options:
Interest Free Repayment Plan
A Substantial Discount

[Strepsi]

Type of Account: Natwest cc
Date Commenced: 22/8/2013
Approx Balance: £4418
Date last paid: Approx beginning of 2016
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date): Default
Account Owner (DCA or Lender):


Natwest 22/8/2013 4418

I am not convinced that I have CCA'd this one?!

2nd June 2016
We have been unable to contact you or agree a suitable repayment plan therefore your account details have been passed to APEX Credit Management to act as collection agent and they will be dealing with your account.

17th December 2016 Wescot
Wescot is a specialist debt collection agency and we have been instructed by our client, Natwest UK Card Services to make contact with you to discuss the outstanding balance on this account and the repayment options available based on your personal circumstances..

6th January 2017
We have written to you on several occasions asking you to contact us about this account however to date we have not yet agreed a solution...

[Strepsi]

Type of Account: Mbna (Link)
Date Commenced: 19/07/2013
Approx Balance: £2497
Date last paid: Approx beginning of 2016
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date): Default
Account Owner (DCA or Lender): Link


Mbna (Link) 19/07/2013 2497

CCA sent 26th September 2016 signed receipt from Link 29th September, as yet no reply to the request.

In fact not received anything of note since 21st September "Notice of Sums in Arrears".

[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...

[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]

Type of Account: tesco cc
Date Commenced: 19/07/2013
Approx Balance: £4488
Date last paid: Approx beginning of 2016
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date): Default
Account Owner (DCA or Lender): Robinson Way


Tesco 19/07/2013 4488
Not CCA'D. Defaulted

16th January 2017 Tesco Bank recoveries
We write to advise you that due to your failure to agree or maintain repayment towards your Tesco Bank debt we have decided to pass the management of your account to one of our collection agencies.
The debt collection agency now working on our behalf is called Moorcroft...

31st January 2017
To prevent further debt recovery action please send your payment proposal before 7th February 2017 ...

14th February
Assessment we have not received any communication from you with regards to your outstanding account we are concerned that your financial position means that you may not be in a position to meet our requests...

28th February 2017
We are aware that you have failed to agree an affordable repayment plan with us concerning the above account...

14th March
Our records show that despite our previous letters you have not made any payments to us and therefore your account has now been passed to our Home Collections Division for action...

CCA Letter sent to Robinson Way

7/5/2017 Letter received
We write to confirm that we have noted the dispute/query that you have raised.

We will make the necessary enquiries and let you know the outcome. In the meantime we will stop all collection activities on this account.

[cymruambyth]

Re: Start of my diary

Just ignore, you will soon start getting enters from Moorcroft; we have been ignoring them for quite a while with our Tesco account. Just post when you you get letters and you will get more advice.

[Strepsi]

Type of Account: Creation cc
Date Commenced: 2/12/2013
Approx Balance: £4630
Date last paid: Approx beginning of 2016
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date): Default
Account Owner (DCA or Lender): Moorcroft


Creation 2/12/2013 4630
Been advised by Niddy that this is UE

Dated October from Moorcroft Debt Recovery
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 accrued."

[cymruambyth]

Re: Start of my diary

Creation 2/12/2013 4630
Been advised by Niddy that this is UE

Dated October from Moorcroft Debt Recovery
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 accrued."

That's great news, keep the letter safely.

[Strepsi]

Re: Start of my diary

Creation Finance (HP) £854 Opened December 2013


This should be all up to date. I have been informed that is in enforceable. CCA was sent to Moorcroft and signed agreement was received back. We had an arrangement to pay in 2014.

Creation Consumer Finance Limited
Correspondence address: Chadwick House Blenheim Court Solihull B91 2AA
6th June 2016
I am writing to inform you that Creation Consumer Finance sold your account to Lowell Portfolio Ltd on 29/04/2016.
This means that Creation Consumer Finance no longer own your account, your account is now owned by Lowell Portfolio I Ltd. However your account will continue to be managed by MOORCROFT and you should continue to make your regular repayments to them. If you have any questions about this change of ownership you are more than welcome to contact Lowell on 0333 556 5700.
Lowell Portfolio I Ltd will start reporting against your credit file within 30 days of you receiving this letter.
If your account is being managed by an authorised third party for example a relative or a Debt Management Company please ensure that you update them with this information and show them this letter.

Lowell reference number: Please provide this number when you contact us.
Original company name: Creation Consumer Finance
Original account number:
Balance: £854.28
12th December 2016
We see that you have still not agreed a repayment arrangement for your former Creation Consumer Finance account and the balance is still outstanding.
We'd like to offer you a 20% discount to help you pay off your balance. Register at www.lowell.co.uk or call us on 0333 SS6 5733 by 25/12/2016 to arrange payment and we will take £170.86 off your outstanding balance. This means you would pay £683.42 to clear the account.
You can pay the discounted balance in one go, or through affordable instalments.
Details on how this will impact your credit file are included on the back of this letter. The discount only applies if you keep to an agreed repayment arrangement which is affordable for you.
We look forward to your call.
Yours sincerely

Sarah Sargent Director of Operations


Original company name: Creation Consumer Finance
Balance: 1854.28
28th December 2016
We see that you have still not agreed a repayment arrangement for your former Creation Consumer Finance account. This balance is still outstanding.
We want to agree a repayment plan that is affordable for you. We can only help if you get in touch. Contact us today to discuss your affordability and set up a repayment plan that works for you.
Prefer to do things online? Visit www.loweti.co.uk and complete our affordability calculator which will help you understand how much you have left after you've paid your bills each month. We look forward to your call. Yours sincerely

Sarah Sargent Director of Operations


Original company name: Creation Consumer Finance
Balance: £85418
10th January 2017
Dear Mr
The balance on your former Creation Consumer Finance account is still outstanding.
As we are sure you are aware, you have an obligation to repay your debts. This outstanding balance may also be damaging your credit rating and limiting your chances of getting any new credit or services. This can include:
Some companies even use credit files to help them choose who to employ. These are called 'pre-employment' checks.
Once you start making payments we will update the credit reference agencies which could improve your credit rating. Call our team today on 0333 556 5733 to set up a repayment plan that suits you. We look forward to your call. Yours sincerely

Sarah Sargent Director of Oporotions
www.creation.co.uk
Creation Consumer Finance Limited. Registration: NI032565. Registered Office: 6th Floor Royston Rouse, 34 Upper Queen Street, Belfast BT1 6FD. Authorised and regulated by the Financial Conduct Authority



Original company name: Creation Consumer Finance
Balance: 1854.28
24th January 2017
Dear Mr

Your overdue former Creation Consumer Finance account remains unpaid. This may be showing as a default on your credit file and harming your credit rating.
Our offer of a 20% discount to help you pay off your debt still stands. Register at www.lowell.co.uk or call us on 0333 556 5733 by 07/0212017 to agree a repayment plan and we will take £170.86 off your outstanding balance. This means you would pay £683,42 to clear the account.
You can pay the discounted balance in one go, or through affordable instalments.
Details on how this will impact your credit file are included on the back of this letter. The discount only applies if you keep to an agreed repayment arrangement which is affordable for you,
We look forward to hearing from you.
Yours sincerely

Sarah Sargent Director of Operations
Contact us.

Original company name: Creation Consumer Finance
Balance: £85418
8th February 2017
Dear Mr

The balance on your former Creation Consumer Finance account is still outstanding.
No payment amount is too big or too small. Here are some example payment plans we currently have in place with our customers:
These are just examples. You can pay more or less, depending on your circumstances.
This outstanding balance may also be showing as a default on your credit tile, which companies use to help decide whether or not to give you credit, and at what rate. Once you start making payments we will update the credit reference agencies, which could.improve your credit rating.
We want to work with you to get an understanding of your circumstances and set an affordable repayment plan.
Please contact our team today on 03335565133 or visit our website www,lowellco.uk and use our online budget calculator to work out what you can afford.
We look forward to your call. Yours sincerely

Sarah Sargent Director of Operations


8th February 2017
Notice of Sums in Arrears
This Notice has been sent to you by Lowell for information only as required by the Consumer Credit Act 1974. It relates to an account you opened with Creation Consumer Finance which fell into arrears and was bought by Lowell. If you have a payment arrangement in place you do not need to contact us.


Date of Notice 08/02/2017
Period covered 29/10/2016 to 07/02/2017
Opening balance £854.28
Total Sum in arrears £854.28

Original company name: Creation Consumer Finance
Balance: £854.28
23rd February 2017
Dear Mr
We've still not agreed repayment on your former Creation Consumer Finance account.
Register at www.lowell.co.uk or call us by 09/03/2017 to arrange repayment and we'll take £256.28 off your balance. This means you would pay £598.00 to clear the account. You can choose to pay the discounted balance in full, or through affordable instalments. Details on how this will impact your credit file are included on the back of this letter. The discount only applies if you keep to an agreed repayment arrangement which is affordable for you.
Please get in touch.
Yours sincerely
Sarah Sargent Director of Operations

13th March 2017
Dear Mr
We've been trying to contact you for some time about your Creation Consumer Finance account -which still remains unpaid.
Assessing your account
We believe the best way to understand your current circumstances and find the right solution, is for you to tell us directly. If you do not contact us, we will rely on information available to us, such as the information contained within your credit file to understand your financial situation. This will help us decide what action to take next on your account.
Contact us on 0333 556 5734 or arrange repayment online at www_lowell.co.uk to avoid further action.
Yours sincerely

Andrew Bartle Chief Operations Officer


Dear Mr
27th March 2017
We have still not been able to agree repayment on your Creation Consumer Finance account. If we do not hear from you, we will proceed with our assessment to decide whether to take legal action.
What legal action means If legal action is taken to recover your debt, a claim form will be issued by the Court demanding payment of the outstanding balance. This would also result in court lees, solicitor's costs and interest being added to your account.
We would prefer to agree repayment of this debt without the need for legal action. Please contact us today on 0333 556 5734 to agree repayment. You can also visit our website vnvw.lowell.eo.uk to complete our budget calculator and set up a repayment plan.
Please contact us to prevent further action.
Yours sincerely /A\ 1,) -
Andrew Bartle Chief Operations Officer

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

[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.

[The Tech Clerk]

Re: Start of my diary

Wescot begging letters ? we can only chase you with letters but cannot do anything else Company. (Known otherwise as Wetcloths). they could pass it back to owners who then start proceedings! but for a small amount? time will tell, know they Lowells wrote off a £700+ alledged debt for some peeps years ago after challenged, .

As Cym says prepare just in case as a last resort to do an arrangement ect if necessary,

[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...

How do you deal with overdrafts?

[Susie]

Re: Start of my diary

How do you deal with overdrafts?

there is a sticky at the top of the forum that will help with overdrafts

[Strepsi]

Re: Start of my diary

Ok read the sticky, so the question if you can't CCA and can't go down the UE route. What do you do?