dontknow's UE diary

[dontknow]

Type of account - Credit card

Date commenced - 2001

Approx balance - £17,000

Date last paid - May 2015

Are you on arrangement or not paying- Not paying

Status – Default

Account owner – DCA

Aug 2015 Received reply to my CCA request that does not include a copy of my agreement although they say it does.
Aug 2015 Received Default Notice section 87(1).
Nov 2015 Threat of Formal Demand if not paid within 14days.
Dec 2015 “A Default has been registered on your account.”
Jan 2016 A few letters from Wescot including an offer of reduced settlement. Everything ignored.
Aug 2016 Notice of Assignment to Hoist Portfolio with all rights, title and interest and instructing Robinson Way to collect.
Oct 2016 Pre legal assessment from Robinson Way with threat to send to Howard Cohen with no further notice.

[dontknow]

Re: dontknow's UE diary

Hi
I am going to send SWID letter as CCA response form OC did not contain a copy of my agreement, unless anyone has any other ideas.

[nightwatch]

Re: dontknow's UE diary

sounds like a plan, should hold them up for a while x

[dontknow]

Re: dontknow's UE diary

Hi all

I've uploaded my CCA before sending SWID just to make sure I'm not going to put my foot in anything smelly.

[Never-In-Doubt]

Re: dontknow's UE diary

Barclays is


I'd not be responding. It's UE and they're going to struggle to remedy - BUT if they do, it's a £16k error

If it was me I'd be staying quiet for the time being. If they get arsey / issue a claim let me know. You're in very safe hands here

[Never-In-Doubt]

Re: dontknow's UE diary

Hi
I am going to send SWID letter as CCA response form OC did not contain a copy of my agreement, unless anyone has any other ideas.

Doing this allows them to remedy. That's like playing poker and showing your opponent your hand. See my post above. I'd strongly suggest you don't do this!

[dontknow]

Re: dontknow's UE diary

Thanks Niddy,

I was getting anxious and almost jumped the gun there.

[nanna58]

Re: dontknow's UE diary

Hi DK ,how are you doing how are things ?x

[dontknow]

Re: dontknow's UE diary

Hello Nanna58
I took Niddy's advice and didn't respond to their letters and I've heard nothing for months, long may it continue!
Thank you for asking, it's nice to know that people like you and others trawl through posts to see if you can help.

[dontknow]

Re: dontknow's UE diary

This site and the people that contribute is the dogs dangly bits.

[dontknow]

Hi, I have received a letter today from Robinson Way with mostly typical content such as, we've tried to contact you, we want to help, these are your options, get in touch by this date, blah blah blah. There is also a sentence that concerns me slightly and that is - These options are a last resort and before we take legal action we will tell you what we intend to do. Is this a LBA?

[Susie]

It sounds more like a scare letter to me as tey say that before they take legal action they will tell you what they intend to do. They may just intend to keep writing, but I think if they are going to go legal they need to give you a 14 day notice letter first. Others will know more than me though

[Still Waving]

Hi, I have received a letter today from Robinson Way with mostly typical content such as, we've tried to contact you, we want to help, these are your options, get in touch by this date, blah blah blah. There is also a sentence that concerns me slightly and that is - These options are a last resort and before we take legal action we will tell you what we intend to do. Is this a LBA?

Definitely not an LBA. When you reach the correspondence stage as highlighted in red above, that would likely be a LBA.

[The Tech Clerk]

usually states 7 - 14 days to respond failure of which legal action will take place or similar wording with comment no further notice will be given

[dontknow]

Thanks I'll file it.