5corpio UE Diary

[5corpio]

Re: 5corpio UE Diary

Ref: Account bought from Bank Of Scotland by 1st Credit Ltd

Letter from 1st Credit Limited (5) today stating - Legal Proceedings being considered, They are considering County Court proceedings against me. If they obtain a judgement, they'll enter on Register of Judgements, Orders and Fines, followed by threat: Of application for employment, Bailiff seizure of assests, application charging of property (if i owned by me).

Suppose that i'll send a 'Account Sold whilst in Dispute letter' ? Any further advances on that?

Breakdown:

LETTERS SENT TO:
18/06/10 - BOS (HBOS) (CCA Request)
20/06/10 - Blair Oliver & Scott (CCA Request)
01/07/10 - BOS (HBOS) (S.10)
07/07/10 - Blair Oliver & Scott (CCA Request)
14/08/10 - Blair Oliver & Scott (Refuseable by Lender)
23/08/10 - Blair Oliver & Scott (Dispute Legal Action)
08/09/10 - Robinson way (Refuseable by Lender)
25/01/11 - Capquest (Harassment telephone Log)
27/01/11 - Capquest (Threat-O-Gram + HBOS UE copy)
31/01/11 - HL Solicitors (Capquest) (Threat-o-Gram + Capquest Threat-o-Gram Copy + HBOS UE Copy)
21/04/11 – Wescot Credit Services - Harassment warning letter (NOT RECORDED – STANDARD LETTER)
23/04/11 – Wescot Credit Services (Threat-O-Gram + HBOS UE copy)
30/06/11 - Wescot Credit Services (Harassment Door Step Visit letter)


LETTERS RECIEVED FROM:
10/07/10 – Bank of Scotland (HBOS) Unenforceability letter (WILL NOT ENFORCE)
14/08/10 – Blair Oliver & Scott letter (instructed by client demanding full payment)
31/08/10 – Bank of Scotland (HBOS) Can’t find the recon agreement (WILL NOT ENFORCE)
07/09/10 – Robinson way (Formal Demand for payment)
14/10/10 – Robinson way (still waiting confirmation from their client)
07/01/11 – Capquest (Account been referred to them – may send door step or possible Litigation)
10/01/11 – Capquest (Threat: Possible Door or Litigation)
26/01/11 – Capquest (Threat: Prior to start Legal Proceedings)
29/01/11 – HL Solicitors (Capquest) (Threat Legal Proceedings, Seek Enforce Action)
31/01/11 - Capquest (Account put on hold till 11th Feb, whilst they Investigate the matter)
18/04/11 - Wescot (Notice of Debt Collection Letter)
11/05/11 – Wescot Credit Services (that their client has fulfilled criteria as requested and that matters are resolved – to make payment or monthly agreements or contact within 14 days reasons for dispute)
13/06/11 - Nelson Guest & Partner Solicitors (To make payment arrangement within 10 days to Wescot, if NOT will proceed with further activity recoveries)
24/06/11 - Wescot Credit Services (Door Step Collection Notice - advised me that one of the actions they were considering on was a Door Step Collection Visit to home address, to recover outstanding, they'll send an representative to make an appointment with me)
15/08/12 - Bank of Scotland - Notice of Assignment (ALL details, DATA account sold to 1st Credit Ltd 5)
15/08/12 - 1st Credit Ltd 5 - Notice of Assignment account details sold to them, ALL correspondance to 1st Credit Ltd 5

[Deepie]

Re: 5corpio UE Diary

That's what I would do............

[MrsD]

Re: 5corpio UE Diary

me too, it's a typical "go in hard scare the shyte out of you" letter.

[5corpio]

Re: 5corpio UE Diary

Letter from Bank of Scotland - Notice of Assigment (that all account, data details been sold to 1st Credit Ltd 5 on the 31st July 2012)

Notice of Assignment Letter, accompanied with letter from 1st Credit, saying that they NOW OWN the Account. Outstanding balance

Latest from Bank of Scotland - Can't enforce due to that they cannot FIND the orignal CCA aggreement (only an application form they've sent). Last communication from them 24th Aug 2010

Will endeavour to wait for letter demand from 1st Credit Ltd 5

Ref: Account bought from Bank Of Scotland by 1st Credit Ltd

Letter from 1st Credit Limited (5) today stating - Legal Proceedings being considered, They are considering County Court proceedings against me. If they obtain a judgement, they'll enter on Register of Judgements, Orders and Fines, followed by threat: Of application for employment, Bailiff seizure of assests, application charging of property (if i owned by me).

Suppose that i'll send a 'Account Sold whilst in Dispute letter' ? Any further advances on that?

Update:

2 letters dated same day

letter #1 - Opportunity to maximise discounted settlement amount

pay within 7days discount 30%, pay within 8-30 days 20% off pay beyond 30 days 20% off

Letter #2 - refer to above letter 'account sold whilst in dispute' - that they'll advise there client/OC for requested documents 'request for copy invoices, statements and agreement' and that account is on hold in meantime. Once received copies requested, have to contact them immediately to resolve outstanding balance

[SA Gold]

Re: 5corpio UE Diary

Haven't read this thread in it's entirety, but i get the feeling Barclays aren't too clever at holding on to paperwork? Are staff shredding everything to use for their hamsters bedding?

[5corpio]

Re: 5corpio UE Diary

2 letters received today:

Marbles has sold the account balance, rights, data to Lowell Portfolio 1 - Other letter enclosed with Marbles - from Lowell Portfolio 1 that they have bought the outstanding debt, data, rights - Pay up or contact us to arrange, If we don't hear from you we will instruct Lowell Financial their recovery specialists.

On Marbles letter they state:

that the balance sold was £xxxx at the sale date of xxx -
Q: As we ALL know that they never paid £xxxx for that amount (wouldn't we not pay what the 'NEW' balance was sold too, at Lowell Portfolio?

Will wait for letter from Lowell Portfolio 1, then will send 'Account Sold whilst in Dispute' - Or of any alternative for advice?

thank you in advance

Below of Updates:

MARBLES (HFC) – SOLD TO HBOS 2008
Default: Oct 2008
Unenforceable

LETTERS SENT TO:
20/05/10 - HBOS (CCA Request)
18/06/10 – HBOS (Dispute Document)
18/06/10 – HBOS (Forged Document)
18/06/10 - Robinson way (Refuseable by lender)
26/07/10 - Robinson way (Refuseable by lender (copy resent)

LETTERS RECIEVED FROM:
15/06/10 – Marbles (Credit Agreement Received)
08/06/10 – Marbles (Default Notice issued)
23/06/10 – Marbles HFC Original Agreement received (SAYING THAT IT IS ENFORCEABLE)
23/06/10 – Marbles (Default Notice)
29/06/10 – Marbles HFC Original (Original Agreement received)
29/06/10 – Marbles Unenforceability (WILL NOT ENFORCE COURT ACTION)
14/07/10 – Robinson way (FORMAL DEMAND FOR PAYMENT)
23/07/10 – Robinson way (Immediate Action required)
04/08/10 – Robinson way (requesting from their client a copy of agreement to verify)
08/09/10 – Robinson way (still waiting response from their client)
15/10/10 – Robinson way (no longer dealing with account, referred to original creditor)
25/01/12 - Marbles (Account being sold on March to Progressive Credit Ltd)
30/08/12 - Marbles (All Data, file, agreement outstanding balance sold to Lowell Portfolio 1)
30/08/12 - Lowell Porftolio 1 (Has bought the account and all its right - Pay Up)

[5corpio]

Re: 5corpio UE Diary

Letter came today from Arc Europe

We refer to our previous letter and not received any or sufficient response ref: above blah blah blah! They going to refer matter to their client Blah Blah Blah

My response TODAY: 'Account sold whilst in dispute' - Wish these 'Muppets' would communicate with each other.

Arrow Global says:

- Continue making payments to Wescot, unless 'We' say alternative
- Rosendale for some reason says 'Pay Up' working on behalf of Arrow Global
- Arc Europe seems to be working on behalf of Arrow Global (or someone?)

Yes the true meaning comes to 'alight - Muppets!'

Wescot never got in touch on behalf of Arrow Global

Rosendale got a letter with reference:

* Account sold whilst in dispute with MBNA (They sent an copy of application)
* Missing PT letter as well (still to respond)

Arc Europe (they building an 'Arc' for a flood that will never happen?)

* Threat letter of substantial payment followed by remainder
* We will refer to our client (sent 'account sold whilst in dispute with OC)

[5corpio]

Re: 5corpio UE Diary

Today: Response to recent letter sent to Arc ref Above post #265 - 'Sold whilst in dispute' (letters were sent to arrow followed by a PT, AND they not responded as yet some months ago)

more of a mellow response from Arc this round:

'

we are a debt collection 'agent' acting on instructions received from a 'disclosed' principal namely 'arrow global', and that they are authorised to write to me with regard above matter. We reserve the right to produce correspondence to any tribunal, regulatory body or investigating authority to prove compliance and good conduct of matter. that this account was signed by MBNA to Arrow on xxxxxx

Our client is unaware of outstanding dispute or document response, however that they have passed comments to their client and are awaiting instructions.

In meantime we are instructed that above balance remains outstanding and must be paid, therefore provide a full financial statement showing your financial situation and token offer of payment. We look forward to receiving your financial and offer of payment within 14 days.

Uh Ha - they've kind of dug a hole on that response, as 'How can one make a token offer' when something is in dispute 'as that needs to be resolved first' let alone all other matters before hand !

[5corpio]

Re: 5corpio UE Diary

Letter received from Portfolio:

Update:
Awaiting response from Marbles, as account in dispute, will send copy of agreement when received

LETTERS SENT TO:
20/05/10 - HBOS (CCA Request)
18/06/10 – HBOS (Dispute Document)
18/06/10 – HBOS (Forged Document)
18/06/10 - Robinson way (Refuseable by lender)
26/07/10 - Robinson way (Refuseable by lender (copy resent)
04/09/12 - Lowell Portfolio 1 (Account sold whilst in Dispute with OC)

LETTERS RECIEVED FROM MUPPETS:
15/06/10 – Marbles (Credit Agreement Received)
08/06/10 – Marbles (Default Notice issued)
23/06/10 – Marbles HFC Original Agreement received (SAYING THAT IT IS ENFORCEABLE)
23/06/10 – Marbles (Default Notice)
29/06/10 – Marbles HFC Original (Original Agreement received)
29/06/10 – Marbles Unenforceability (WILL NOT ENFORCE COURT ACTION)
14/07/10 – Robinson way (FORMAL DEMAND FOR PAYMENT)
23/07/10 – Robinson way (Immediate Action required)
04/08/10 – Robinson way (requesting from their client a copy of agreement to verify)
08/09/10 – Robinson way (still waiting response from their client)
15/10/10 – Robinson way (no longer dealing with account, referred to original creditor)
25/01/12 - Marbles (Account being sold on March to Progressive Credit Ltd)
30/08/12 - Marbles (All Data, file, agreement outstanding balance sold to Lowell Portfolio 1)
30/08/12 - Lowell Porftolio 1 (Has bought the account and all its right - Pay Up)
12/09/12 - Lowell Portfolio 1 (thank you for letter and sorry for delay, as account sold in dispute with Marbles, they are awaiting for response from Marbles, and will be in touch to advise, they have requested a copy of agreement under S77 S7978)

[5corpio]

Re: 5corpio UE Diary

Non dated Letter received from 1st Credit Ltd:

A non dated letter from them, with copies of statements from 2006 to last transaction.....And to contact them with regards payment

LETTERS SENT TO:
18/06/10 - BOS (HBOS) (CCA Request)
20/06/10 - Blair Oliver & Scott (CCA Request)
01/07/10 - BOS (HBOS) (S.10)
07/07/10 - Blair Oliver & Scott (CCA Request)
14/08/10 - Blair Oliver & Scott (Refuseable by Lender)
23/08/10 - Blair Oliver & Scott (Dispute Legal Action)
08/09/10 - Robinson way (Refuseable by Lender)
25/01/11 - Capquest (Harassment telephone Log)
27/01/11 - Capquest (Threat-O-Gram + HBOS UE copy)
31/01/11 - HL Solicitors (Capquest) (Threat-o-Gram + Capquest Threat-o-Gram Copy + HBOS UE Copy)
21/04/11 – Wescot Credit Services - Harassment warning letter (NOT RECORDED – STANDARD LETTER)
23/04/11 – Wescot Credit Services (Threat-O-Gram + HBOS UE copy)
30/06/11 - Wescot Credit Services (Harassment Door Step Visit letter)
24/08/12 - 1st Credit Ltd (Account sold whilst in dispute letter)

LETTERS RECIEVED FROM MUPPETS:
10/07/10 – Bank of Scotland (HBOS) Unenforceability letter (WILL NOT ENFORCE)
14/08/10 – Blair Oliver & Scott letter (instructed by client demanding full payment)
31/08/10 – Bank of Scotland (HBOS) Can’t find the recon agreement (WILL NOT ENFORCE)
07/09/10 – Robinson way (Formal Demand for payment)
14/10/10 – Robinson way (still waiting confirmation from their client)
07/01/11 – Capquest (Account been referred to them – may send door step or possible Litigation)
10/01/11 – Capquest (Threat: Possible Door or Litigation)
26/01/11 – Capquest (Threat: Prior to start Legal Proceedings)
29/01/11 – HL Solicitors (Capquest) (Threat Legal Proceedings, Seek Enforce Action)
31/01/11 - Capquest (Account put on hold till 11th Feb, whilst they Investigate the matter)
18/04/11 - Wescot (Notice of Debt Collection Letter)
11/05/11 – Wescot Credit Services (that their client has fulfilled criteria as requested and that matters are resolved – to make payment or monthly agreements or contact within 14 days reasons for dispute)
13/06/11 - Nelson Guest & Partner Solicitors (To make payment arrangement within 10 days to Wescot, if NOT will proceed with further activity recoveries)
24/06/11 - Wescot Credit Services (Door Step Collection Notice - advised me that one of the actions they were considering on was a Door Step Collection Visit to home address, to recover outstanding, they'll send an representative to make an appointment with me)
15/08/12 - Bank of Scotland - Notice of Assignment (ALL details, DATA account sold to 1st Credit Ltd 5)
15/08/12 - 1st Credit Ltd 5 - Notice of Assignment account details sold to them, ALL correspondance to 1st Credit Ltd 5
22/08/12 - 1st Credit ltd - Legal Proceedings being considered, (County court proceedings made against me, if judgement made and no payment within 30 days, will be entered on Register of Judgements, Orders and Fines)
29/08/12 - 1st Credit Ltd (Settlement offers)
29/08/12 - 1st Credit Ltd (Account on hold - till they get copies of invoices, statements and agreement from their client / OC and they'll send them to me, followed by arrangement to solve outstanding debt)
no dated letter - 1st Credit Ltd (sent copies of statements from 2006 to last transaction - to call them)

[5corpio]

Re: 5corpio UE Diary

Letter from Arc Europe arrived today:

Enclosed a copy of agreement, latest statement and contract.

Pay us within 14 days with a firm offer of payment, otherwise we'll instruct our client to take further actions.

They've sent part of agreement but no T&C apart from that its un-legible to read photocopy, latest statement was for Apr 2008 and contract (is Blah to me)

Would it be wise to file of copy of letter missing PT template? even though that i had sent one to there client Rossendale?

thank you help

LETTERS SENT TO:
20/05/10 - Debt Clear Recoveries (CCA Request) 
07/06/10  – Debt Clear Recoveries (CCA Request)
04/12/10  –   AIC (Threat-o-Gram)
12/09/11 - Wescot (Account sold whilst in Dispute letter sent)
23/04/12 - Rossendales (Account sold whilst in Dispute letter sent)
04/09/12 - Arc Europe (Account sold whilst in Dispute)
27/09/12 - Arc Europe (Missing PT Letter sent)
   
 LETTERS RECIEVED FROM MUPPETS:
  25/06/10 – MBNA (original Agreement, Copy of Executed Agreement, Up to date T&C, Recent statement)
  10/11/10 – AIC (warning that their letter supersedes all instructions issued by creditors)
  24/11/10 – AIC (Threat, Legal Proceedings, Wages, Property, etc)
  07/12/10 – AIC (Reviewing File with Collection & Litigation department to consider Warranted)
29/07/11 - MBNA (Confirming previous communication, that the  account has been terminated. and that i owe them the debt, they will  pass to a select debt agency)
26/08/11 - Wescot  (Notice of Debt Collection Bog standard letter, ref their Client Bank of America NOT MBNA)
   05/09/11 - Wescot (Final notice, or court proceedings if not contacted or paid)
 15/01/12 - MBNA (Agreement account Sold to Arrow Global)
15/01/12 - Arrow Global (We have bought your agreement, continue dealing with Wescot)
26/03/12 - Rossendales (repsond within 7 days, for proposals of recovery action)
16/04/12 - Rossendales (Further action letter within 7 days)
26/05/12 - Rosendales ( Further action letter within 7 days  )
30/05/12 - Rosendales (Account On Hold, refer to there client - Arrow Global Guernsey)
28/06/12 - Rosendales  (copy of MBNA CCA, T&C and screen shot, They say: enclosed  documents to support the recovery of the account details) - 
15/08/12 - ARC Europe - (account remains outstanding - request of a  substantial amount with 10 day and firm offer for overdue, IF not will  taken further action
29/08/12 - Arc Europe (in response of not receiving any response -  they'll obtain firm instructions, that they reserve the right to  produce a letter, Call us NOW)
26/09/12 - Arc Europe (enclosed signed agreement, T&C and  copy of agreement) Un-legible T&C, Pay now within 14 days with a  FIRM OFFER)

[5corpio]

Re: 5corpio UE Diary

Letter from Arc Europe arrived today:

Enclosed a copy of agreement, latest statement and contract.

Pay us within 14 days with a firm offer of payment, otherwise we'll instruct our client to take further actions.

They've sent part of agreement but no T&C apart from that its un-legible to read photocopy, latest statement was for Apr 2008 and contract (is Blah to me)

Would it be wise to file of copy of letter missing PT template? even though that i had sent one to there client Rossendale?

thank you help

Sod it, delay tactic - sending illegible document template (which it is un-readable)

[5corpio]

Re: 5corpio UE Diary

Letter from Lowell Portfolio 1 arrived today:

Ref: Marbles account SOLD to Lowell Portfolio 1
Saying that they have closed the Account - as Marbles can't find or produce original CCA for them. Lowell Portfolio 1 closed account and will not be in contact with me, unless a CCA appears.

[Deepie]

Re: 5corpio UE Diary

Letter from Lowell Portfolio 1 arrived today:

Ref: Marbles account SOLD to Lowell Portfolio 1
Saying that they have closed the Account - as Marbles can't find or produce original CCA for them. Lowell Portfolio 1 closed account and will not be in contact with me, unless a CCA appears.

Nice one 5corpio...........

[MrsD]

Re: 5corpio UE Diary

which is highly bloody unlikely!!

great Scorps, wonder what gave them the sudden attack of honesty???