Jaci's UE Diary

[Never-In-Doubt]

Re: Jaci's UE Diary

Updated - Not heard anything from these in ages and then they ssend a regular statement

they have to send a statement at least once a year, allegedly...........

yep, this is correct!

[jaci]

Re: Jaci's UE Diary

MY ACCOUNT


Natwest
Credit Card
Start Date 22-08-2007
Current Balance £2778 (Approx)
Status - Defaulted Jan 2010

Natwest Credit Card
06/06/2011 - CCA Request sent
13/07/2011 - CCA Received, emailed Niddy
16/07/2011 - Niddy says , replying with CCA Query - Missing Prescribed Terms to buy a little time
03/08/2011 - Received statement
08/08/2011 - Letter saying 'It is enforceable', ignoring for now.
02/09/2011 - Statement received
02/09/2011 - Letter received, If you don't pay up in 14 days we're sending account to a debt collecting agency, Ignoring for now
08/12/2011 - Final notice received from Westcot, pay in 10 days or else. Ignoring for now
04/01/2012 - Letter from Nelson Guest & Partners 'An Offer to reduce the amount payable on your debt, call us now'. Ignoring
26/05/2012 - Letter from Natwest. Our collection agent has been unable to contact you therefore you account details have been passed to Apex Credit Management to act as out new collection agent. They'll be in touch within 14 days.

Updated

[MrsD]

Re: Jaci's UE Diary

I would send a sold in dispute when they make contact by letter, they are wee pussies

[jaci]

Re: Jaci's UE Diary

I would send a sold in dispute when they make contact by letter, they are wee pussies

Thanks, I shall look forward to hearing from them

[jaci]

Re: Jaci's UE Diary

MBNA Bank
Loan
Start Date 27-05-2006
Current Balance £1915
Status - Arrangement to pay


MBNA LOAN
06/06/2011 - CCA Request Sent
13/07/2011 - CCA Received, emailed Niddy
16/07/2011 - Niddy says , sent this to buy time : CCA Query - Missing Prescribed Terms
10/10/2011 - Received Statement - ignoring for now
22/02/2012 - Letter from MBNA enclosing a letter from Moorgate Loan Servicing advising account has been sold to AOF 2 Sarl. Ignoring for now.
20/03/2012 - Letter from Moorgate Loan Servicing 'We have appointed Arden Credit Management who will contact you to discuss the outstanding balance and your proposals for payment. Ignoring for now.
17/05/2012 - Letter from Arden Credit Managment, 'Pay up now, If you don't pay within the next 7 days, we're sending someone round - and charging up to £75 for the visit'. Replied with Harassment & Threat of Doorstep-Visit
25/06/2012 - Just had a visit , Told him I'd wrote to them and wasn't willing to discuss on the doorstep with him.

Updated.

[MrsD]

Re: Jaci's UE Diary

well handled Jaci, never understand why they send peeps to the door, do they think you'll be scared? cannot be cost effective, but hey it's their money................

[jaci]

Re: Jaci's UE Diary

FlowerPower - I might start doing that, I've had quite a few visitors.

Dopey - Thanks, Remember my first visit, which was early DMP days, I was a quivering wreck for ages afterwards. How times change!!

[jaci]

Re: Jaci's UE Diary

MY ACCOUNT


LLoyds TSB
Credit Card
Start Date 24-10-2001
Current Balance £1056.67
Status - In Arrears


Lloyds TSB Credit Card - Currently with Westcott Credit Services
06/06/2011 - CCA Request Sent
05/07/2011 - Received my letter back, complete with cheque (and even the envelope I sent it in!!) with a compliments slip attached saying 'cheque needs to be payable to Lloyds TSB - please re-write the cheque and return with your request. Ok to do this I assume?
13/07/2011 - Sending request back to them with cheque payable to Lloyds TSB
14/07/2011 - received letter fromSCM Solicitors asking me to pay full balance with 7 days to avoid court proceedings, call within 7 days to come to an 'amicable agreement'
16/07/2011 - Sent letter to SCM Solicitors saying account is in dispute, dealing with it
23/07/2011 - Received letter back from Wescot saying ' Instructions have been received from our client to withdraw the account and therefore, you should receive no further contact from Wescot in relation to this matter' also received back my £1 cheque.
In2deep says ignore
10/10/2011 - Received letter from Robinson Way Limited, 'Formal Demand for Payment'. Pay it all. Now. Or we might tell our client to take you to court - ignoring for now
11/11/2011 - Statement received - Ignoring
15/11/2011 - Letter from Robinson Way, 'Immediate Action Required .... Pay up now
17/11/2011 - Sent Account Sold whilst in Dispute
12/12/2011 - Letter from Robinson Way, 'We have noted your dispute/query ... we're making enquiries ...stopping collection activity for time being, shall wait and see what they come up with
04/01/12 - Letter from Robinson Way 'Thank you for your recent contact, please forward the relevant fee's to our client to enable them to respond to your request under the Consumer Credit Act. Account is held for 14 days to enable you to do this. After this time collection activity will resume on your account. Ignoring
01/03/2012 - Letter from Credit Security - ' We have been instructed by our client to recover the outstanding debt. Settlement is required within seven days. Contact us.' Ignoring for now.
17/03/2012 - Letter from Credit Security 'We DEMAND that the sum stated be sent IMMEDIATELY'. Ignoring for now.
19/04/2-12 - Letter from Credit Security 'Following our recent communication we are pleased to confirm that our client is prepared to accept the sum of £739.67' providing payment is received by 27th April.
06/09/12 - Letter from Lloyds TSB, 'Because we haven't been able to agree a suitable repayment plan we instructing Moorcroft to arrange collection of the debt, please contact them ...'

Updated

[Deepie]

Re: Jaci's UE Diary

Updated

Wait for Moorcroft to contact you ...........

[jaci]

Re: Jaci's UE Diary

MY ACCOUNT


LLoyds TSB
Credit Card
Start Date 24-10-2001
Current Balance £1056.67
Status - In Arrears


Lloyds TSB Credit Card - Currently with Westcott Credit Services
06/06/2011 - CCA Request Sent
05/07/2011 - Received my letter back, complete with cheque (and even the envelope I sent it in!!) with a compliments slip attached saying 'cheque needs to be payable to Lloyds TSB - please re-write the cheque and return with your request. Ok to do this I assume?
13/07/2011 - Sending request back to them with cheque payable to Lloyds TSB
14/07/2011 - received letter fromSCM Solicitors asking me to pay full balance with 7 days to avoid court proceedings, call within 7 days to come to an 'amicable agreement'
16/07/2011 - Sent letter to SCM Solicitors saying account is in dispute, dealing with it
23/07/2011 - Received letter back from Wescot saying ' Instructions have been received from our client to withdraw the account and therefore, you should receive no further contact from Wescot in relation to this matter' also received back my £1 cheque.
In2deep says ignore
10/10/2011 - Received letter from Robinson Way Limited, 'Formal Demand for Payment'. Pay it all. Now. Or we might tell our client to take you to court - ignoring for now
11/11/2011 - Statement received - Ignoring
15/11/2011 - Letter from Robinson Way, 'Immediate Action Required .... Pay up now
17/11/2011 - Sent Account Sold whilst in Dispute
12/12/2011 - Letter from Robinson Way, 'We have noted your dispute/query ... we're making enquiries ...stopping collection activity for time being, shall wait and see what they come up with
04/01/12 - Letter from Robinson Way 'Thank you for your recent contact, please forward the relevant fee's to our client to enable them to respond to your request under the Consumer Credit Act. Account is held for 14 days to enable you to do this. After this time collection activity will resume on your account. Ignoring
01/03/2012 - Letter from Credit Security - ' We have been instructed by our client to recover the outstanding debt. Settlement is required within seven days. Contact us.' Ignoring for now.
17/03/2012 - Letter from Credit Security 'We DEMAND that the sum stated be sent IMMEDIATELY'. Ignoring for now.
19/04/2-12 - Letter from Credit Security 'Following our recent communication we are pleased to confirm that our client is prepared to accept the sum of £739.67' providing payment is received by 27th April.
06/09/12 - Letter from Lloyds TSB, 'Because we haven't been able to agree a suitable repayment plan we instructing Moorcroft to arrange collection of the debt, please contact them ...'
13/11/12 - Letter from Lloyds TSB Statement for account, Basically just telling me what I owe them.

Updated - Ignore?

[jaci]

Re: Jaci's UE Diary

** Sneaks back in, hoping no-one will notice how long I've been absent **

Have just realised I'm 2 years in now

I'm really sorry I've not managed to keep this diary upto date - Had some pretty big issues since the beginning of last year and the debt took a back seat. To be honest all I get now is the odd letters telling me to pay up or else - but I hope it continues like this

Will try harder to keep up to date in future

Hope everyone's well

[IF]

Re: Jaci's UE Diary

** Sneaks back in, hoping no-one will notice how long I've been absent **

Have just realised I'm 2 years in now

I'm really sorry I've not managed to keep this diary upto date - Had some pretty big issues since the beginning of last year and the debt took a back seat. To be honest all I get now is the odd letters telling me to pay up or else - but I hope it continues like this

Will try harder to keep up to date in future

Hope everyone's well

Nice to see you sneaking back in and welcome back Jaci

[jaci]

Re: Jaci's UE Diary

I feel so stupid ... and now I need your help again.

I'll start by saying, I never managed to keep this diary up to date due to some huge issues I've had over the past few years, and due to my own stupidity, ignorance and just generally hoping it had all gone away.
I was so stupid I didn't even keep the letters I've been sent over the past 2 years or so.

[Never-In-Doubt]

Re: Jaci's UE Diary

New thread --> http://forums.all-about-debt.co.uk/s...Claim-Received

[jaci]

Re: Jaci's UE Diary

Hi ...it's me again, now that that little mess is almost out of the way, I figure I need to sort the rest out(!), so I'll be updating the diary again with letters as and when they arrive and hopefully with the help of you guys I can gain control of this mess all over again