Jaci's UE Diary

[jaci]

Re: Jaci's UE Diary

MY ACCOUNT


LLoyds TSB
Credit Card
Start Date 24-10-2001
Current Balance £1021 (Approx)
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.'

Updated

[jaci]

Re: Jaci's UE Diary

MY ACCOUNT

Barclaycard Centre
Credit Card
Start Date 22-10-2007
Current Balance £1471
Status - Arrangement to pay


Barclaycard Visa Credit Card
06/06/2011 - CCA Request Sent
08/08/2011 - Received letter which says 'I enclose a reconstituted copy of your credit agreement. A copy of the terms of your credit agreement as varied in accordance with section 82 (1) of the act has been (or will shortly be) sent to you under separate cover.' Also in the same envelope a couple of pages of conditions. Not had anything else from them yet. Anyone want to see this? (No, so waiting for them to send the agreement)
09/08/2011 - Letter from Mercers, Default Notice has been served, pay up or else!
10/08/2011 - Received usual statement
11/08/2011 - Received letter saying 'Enclosed with this letter is a copy of your Barclaycard Terms and Conditions. Sending CCA Query - Terms & Conditions Received
09/09/2011 - Received statement as usual
15/09/2011 - Letter from Resolvecall, acting on behalf of Mercers asking me to contact Mercers - Ignoring for now
03/10/2011 - Just had a visit from Resolvecall, basically told him I wasn't paying and to go away!!, Niddy says carry on ignoring, they won't come back in a hurry!
13/10/2011 - Received from Mercers - '48 Hour Notice' 'We will now pass your account to a debt collections firm in your area and a local representative may call at you address to obtain payment', ignoring
10/11/2011 - Statement received, ignoring.
11/11/2011 - Letter from Calder Financial - pay up within 7 days or else - Ignoring
12/12/2011 - Usual statement received from Barclaycard, continuing to ignore
15/12/2011 - Letter from Calder Financial - 'Notice of intention to sell your debt' Account is being returned to Barclaycard who intend to sell this debt
10/01/2012 - Letter from Barclaycard - 'Formal Demand for Payment'
01/03/2012 - Letter from MK Rapid Recoveries. 'We've taken over you account, contact us with your offer of payment'

Updated

[Deepie]

Re: Jaci's UE Diary

just ignore for now see what they send next.....

[jaci]

Re: Jaci's UE Diary

JOINT LOAN

Halifax Plc
Loan
Start Date 23-04-2008
Current Balance £7694.81
Status Defaulted March 2010


Halifax Loan
06/06/2011 - CCA Request sent
08/07/2011 - CCA Received Emailed Niddy - Niddy says
Ignoring for time being - waiting for them to get in touch with me
13/08/2011 - Received letter from Iqor - Your account has been passed to us from Capital Bank with instruction to recover debt in full, still ignoring for now
19/09/2011 - Letter from Geoffrey Parker Bourne Solicitors, pay up or legal action is likely, replied with Threat to Commence Litigation
29/09/2011 - Letter from Geoffrey Parker Bourne Solicitiors, Pay up within 7 days or we may commence legal action. Replied with ' Threat by Creditor - Threat-o-Gram Letter Before Action '
10/10/2011 - Received letter from GPB Solicitors 'We have referred this matter to our client for instruction and we will contact you shortly'. Ignoring for now
07/11/2011 - Received usual statement, ignoring
07/12/2011 - letter from Robinson Way, 'Formal demand for payment'. Ignoring for now
16/12/2011 - Letter frm Robinson Way, 'Immediate action required, please call us now'
04/01/2012 - Letter from Robinson Way, 'Immediate action required - Call us now'. Ignoring
20/02/2012 - Letter from Horwich Farrelly - We have been instructed by our client to claim from you full payment. Court action may be taken against you unless you pay in full or contact us with a proposal within the next 10 days. Sent Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation
17/03/2012 - Letter from Robinson Way 'We have noted your dispute, we'll look into it and get back to you. Meanwhile collection activity will stop'

[jaci]

Re: Jaci's UE Diary

MY ACCOUNT


LLoyds TSB
Credit Card
Start Date 24-10-2001
Current Balance £1021 (Approx)
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'

Updated, very short letter with the scary words in big bold capital letters

[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.

Updated

[Never-In-Doubt]

Re: Jaci's UE Diary

Ignore the last 3 updates for now

[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.

Updated. Guessing I should ignore?

[Pixie]

Re: Jaci's UE Diary

Yes, just ignore.

[jaci]

Re: Jaci's UE Diary

JOINT LOAN

Halifax Plc
Loan
Start Date 23-04-2008
Current Balance £7694.81
Status Defaulted March 2010


Halifax Loan
06/06/2011 - CCA Request sent
08/07/2011 - CCA Received Emailed Niddy - Niddy says
Ignoring for time being - waiting for them to get in touch with me
13/08/2011 - Received letter from Iqor - Your account has been passed to us from Capital Bank with instruction to recover debt in full, still ignoring for now
19/09/2011 - Letter from Geoffrey Parker Bourne Solicitors, pay up or legal action is likely, replied with Threat to Commence Litigation
29/09/2011 - Letter from Geoffrey Parker Bourne Solicitiors, Pay up within 7 days or we may commence legal action. Replied with ' Threat by Creditor - Threat-o-Gram Letter Before Action '
10/10/2011 - Received letter from GPB Solicitors 'We have referred this matter to our client for instruction and we will contact you shortly'. Ignoring for now
07/11/2011 - Received usual statement, ignoring
07/12/2011 - letter from Robinson Way, 'Formal demand for payment'. Ignoring for now
16/12/2011 - Letter frm Robinson Way, 'Immediate action required, please call us now'
04/01/2012 - Letter from Robinson Way, 'Immediate action required - Call us now'. Ignoring
20/02/2012 - Letter from Horwich Farrelly - We have been instructed by our client to claim from you full payment. Court action may be taken against you unless you pay in full or contact us with a proposal within the next 10 days. Sent Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation
17/03/2012 - Letter from Robinson Way 'We have noted your dispute, we'll look into it and get back to you. Meanwhile collection activity will stop'. Ignoring for now.
14/05/2012 - Letter from Halifax, have already supplied CCA but have enclosed another one anyway, Please pay up now ...

Updated

[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'

Updated Ignore?

[Deepie]

Re: Jaci's UE Diary

Updated Ignore?

Send them this------>
Harassment & Threat of Doorstep-Visit
and you will be charging them £20 per letter

[jaci]

Re: Jaci's UE Diary

Send them this------>
Harassment & Threat of Doorstep-Visit
and you will be charging them £20 per letter

Will do, Thanks.

Can't believe it's nearly a year since I sent that 1st letter!

[jaci]

Re: Jaci's UE Diary

OH'S ACCOUNT

BoS Card Services
Credit Card
Start Date 19-10-2004
Current Balance £658.13
Status Defaulted


Bank Of Scotland Credit Card - Currently with Blair Oliver Scott
06/06/2011 - CCA Request sent
04/07/2011 - Received letter back with copy of application form and 2 copies of agreements. Does this all need to be seen?
08/07/2011 - Emailed Niddy
13/07/2011 - Niddy says , replying with CCA Query - Application Form Received
26/06/2011 - Received letter back saying ... is enforceable, pay up, complain to ombudsman if still not happy. In2Deep says ignore.
19/08/2011 - Received Letter from Moorcroft Debt Recovery, installment offer £40 per month, contact us. Still ignoring.
02/09/2011 - Received letter from Midas Credit Services, 'Litigation Warning' Contact us . Sent this ... Account Sold whilst in Dispute
05/11/2011 - Received usual statement (first in ages)
05/11/2011 - Letter from Moorcroft, 'Discount Offer' contact us within 14 days for a substantial discount
12/12/2011 - Letter from Capquest, contact us before 21/12 or we're moving your account on to litigation, replying with Unenforceability Templates - Section 5
25/05/2012 - Regular statement received.

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

[MrsD]

Re: Jaci's UE Diary

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