liandconsmum's UE Diary

[liandconsmum]

Re: liandconsmum's UE Diary

It's interesting the things you find when you look closely. Upon checking my DN for the Halifax account, I've found the following things:

- the amount asked for in March 2010 on the DN, is less than what was reported as arrears and owing in the January 2010 statement. Therefore, the amount that is asked for on the DN would not take us out of breach.

- the DN (dated 9th March 2010) specifically states that the amount must be paid before 30th March 2010. However, they then sent a letter dated 22 March 2010, stating "We have recently issued a Notice of Default as you are in breach of your agreement. You have failed to repay the requested amount by the date shown on the notice. As a result we have terminated your credit agreement." I would assume that this means they have terminated the agreement wrongfully, as the deadline of 30th March had not even been reached yet when they sent this letter.

[liandconsmum]

Re: liandconsmum's UE Diary

Tesco

- Letter from Wescot stating "thank you for bringing this to our attention" and they will check into it. (Amusing as I've brought it to their attention before and they didn't care!)

- Nothing further from Tesco re the SAR, so will be sending the "you don't need no stinkin' signature" letter and wait for their predictable "yes we do" letter.

[liandconsmum]

Re: liandconsmum's UE Diary

Alrighty. Here's what's up with our stuff.

Halifax - Iqor has sent the information to GPB solicitors (again). The most recent communications have been as follows:

October 2010
- After we pointed out to Moorcroft that the CCA response was not complete and therefore UE, they responded by saying they have been acting in good faith, but felt they needed to return to account to Halifax and cease any further activity with it.

November 2010
- letter from Iqor (dated 3rd) demanding balance in full immediately.
- letter sent to Iqor (dated 15th) stating UE (template)

December 2010
- letter from Iqor (dated 16th) demanding payment of balance in full immediately.
- statement from Halifax (dated 23rd) wanting payment

January 2011
- letter from GPB solicitors (dated 7th)

February 2011
- letter to GPB solicitors (dated 13th) stating account in dispute, is UE, with copy enclosed of recent letter to Iqor regarding UE. Insisted account be returned to Halifax.
- letter from Iqor (dated 22nd) re our letter to the solicitors stating that Halifax says there is no dispute that they are aware of and if so, we need to contact them and advise them of it. Said account would be placed on hold for 2 weeks to allow us time to respond (taking it to the 8th of March, without allowing for postage)

March 2011
- letter to Iqor (dated 08th) stating that Halifax is well aware of the problem and have not yet bothered to resolve it. Demanded account be returned to Halifax.
- letter from Wescot (dated 08th - so obviously the 2 wks was ignored) demanding payment immediately.
- letter from Wescot (dated 21st) demanding payment immediately. States "FINAL NOTICE" as well as "our latest enquiries have now confirmed that you are still resident at this address". (well of course we are, we've been communicating with everyone related to this debacle from this address!)

April 2011
- letter from NGP solicitors (dated 2nd) offering reduced settlement if we ring Wescot immediately within 10 days (recvd on 08th, so already 6 days in!)
- letter sent to Wescot (dated 04th) stating UE
- letter sent to NGP solicitors (dated 13th) pointing out it's in dispute and UE, and insisting account be returned to Halifax.
- letter from Wescot (dated 19th) with copies of "statements as requested" and stating "payment is now required." Enclosed was a printed T&C (a number of pages) that said "This is a copy of your Agreement for you to keep." Obviously a CURRENT T&C as it had our current address, which is not where we were living when the account was initially opened. Odd.

June 2011
- letter from NGP solicitors (dated 06th) demanding payment.
- letter from Wescot (dated 17th) stating they would be sending door step collection agents.
- letter sent to NGP solicitors (dated 20th)stating account is in dispute and UE, insisting account be returned to Halifax.
- letter sent to Wescot (dated 27th)stating please see enclosed copy, with copy of PREVIOUS letter to them re door step collections highlighted in bright pink marker.
- statement from Halifax (dated 24th)requesting payment

July 2011
- letter from Iqor (dated 8th) demanding payment
- letter sent to Iqor (dated 19th) stating "please note this account is still in dispute, as you were previously advised in March of 2011"

August 2011
- letter from GPB solicitors demanding payment.

Is it just me, or this getting every so slightly ridiculous?!?!

I am going to put together another letter - very short - basically saying "as you were previously advised on xxxx date, this account is in dispute and UE" and send it to both GPB solicitors and Iqor. Not to mention they are switching DCAs all over the place (in a few instances before the time limits set by one DCA are even up).

I'm not wasting ink on writing long long letters to them anymore. I strongly suspect they are not reading them anyway!

ETA: I am soooo incredibly tempted to send them a one-liner letter saying "please re-read previous letter. Information still applies." and have done with it. LOL

[liandconsmum]

Re: liandconsmum's UE Diary

and.....

just like clockwork... letter from Tesco, refusing to send CCA until DH gives them his signature (letter says "to ensure that we are releasing the account information to the correct party we need to verify your identity") ... LOL Last time it took them 9 months to comply (still without a signature...)

Any bets on how long it will take this time?

ETA: I'm going to wait a few days before I respond with the "no signature needed" letter, as I suspect I'll get a similar response from our SAR request. LOL

[liandconsmum]

Re: liandconsmum's UE Diary

Just a bit of it. I kept it low key, but enjoyed a slight bit of sarcasm. They'll probably ignore it, but I don't care. LOL

Your letter dated 04 August 2011 stated that you needed notification within 14 days if it was still believed that there was a valid dispute. On 12 August 2011, you then sent a letter stating that you know of “no genuine reason” why this account is still outstanding and stated that you would be implementing the use of a door step collection agent. As it is unlikely that you do not have a calendar available for your utilisation, it shouldn't need to be pointed out to you that from 04 August 2011 to 12 August 2011 is hardly 14 days, even if you are not considerate enough to allow time for second class post to arrive (as the first letter was received on 10 August 2011). Furthermore, you are well aware that there is an ongoing dispute regarding this account, as you reference it in your letter of 04 August 2011. As you most likely have a file for this account in which this information is readily available to you, I can only attribute this manner of correspondence to blatant harassment, and as such it will be dealt with accordingly,

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Sometimes it just feels nice to push the bully back a little bit.

Totally agree - well done

[liandconsmum]

Re: liandconsmum's UE Diary

Oh yes, I know they are a pain. I also know they are trying to get DH to ring them. It's not going to happen. I WILL, however, put it in writing (as I'm already sending them a letter) that when they specifically state they will provide two weeks for a response, then I expect them to wait two weeks before they then demand anything. And that if they continue in this manner, I will consider it harassment and act accordingly. They can sniff at it all they like, but I'm basically laying groundwork on this one. They've been dreadful about harassment and being obstructive (everyone associated with the Tesco account). So I will point it out. And then tell them, by the way, there will be NO doorstep collection activity and oh yes, put it on hold as I'm waiting for a CCA request - and as the last one took them 9 months, this could be interesting. LOL (I won't tell them THAT part hahahahaha)

Sometimes it just feels nice to push the bully back a little bit.

[garlok]

Re: liandconsmum's UE Diary

I could say more but would only get modded!!! l l

regards
Garlok

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Wescot are really a pain and persistent.

That must be the nicest thing I have ever read about them...

[garlok]

Re: liandconsmum's UE Diary

Hi L & C s Mum,

Wescot are really a pain and persistent. They will push and push on the letter front and it is all a ploy to get you to call them on the phone. Don't is the simple answer they are experts at trying to trap you.

Nelson Guest will be next they are the toothless solicitors they employ. just threatne them with something and they will run.

regards
Garlok

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Calm down dear

[liandconsmum]

Re: liandconsmum's UE Diary

No, but they've done some incredibly obstructive things in the past two years, so I may address it in writing, as if they ever attempt to take us to court, I'm going to keep it in mind for "unfair relationship" stuff. And it was pointed out to me that showing that we attempted to address the issue in writing highlights that a bit. So I may add a paragraph in to the letter. Besides... it makes me feel a bit better to hit back a little, using calm pointed language and big words. Makes me feel like I've returned fire, if that makes sense. I'm tired of them trying to push us around - they pissed around for 9 months refusing to send the CCA for no good reason (well, other than they probably couldn't find it! LOL), so I rather take offence at them pushing the envelope - if you say you're going to wait two weeks for a response, then bloody well WAIT TWO WEEKS FOR A RESPONSE!!!!

Can you tell I'm in a rotten mood today? LOL

[Never-In-Doubt]

Re: liandconsmum's UE Diary

I'm a bit aggravated with them, actually, as they sent us a letter dated 04-08-11 stating if we still believe we have a valid dispute, please contact them within the next 14 days otherwise the account will be returned to their recovery team for collection. Then, they send us a letter dated 12-08-11 stating they "know of no genuine reason why you have failed to repay the outstanding balance" and will be sending a doorstep collection agent!! So they allowed one week after saying they would allow two for a response. I'm half tempted to send a copy of both letters, with a big red circle around the dates and the "within 14 days" part and tell them that we're not amused at the harassment level.

it won't get picked up, so save the red ink

[liandconsmum]

Re: liandconsmum's UE Diary

I'm a bit aggravated with them, actually, as they sent us a letter dated 04-08-11 stating if we still believe we have a valid dispute, please contact them within the next 14 days otherwise the account will be returned to their recovery team for collection. Then, they send us a letter dated 12-08-11 stating they "know of no genuine reason why you have failed to repay the outstanding balance" and will be sending a doorstep collection agent!! So they allowed one week after saying they would allow two for a response. I'm half tempted to send a copy of both letters, with a big red circle around the dates and the "within 14 days" part and tell them that we're not amused at the harassment level.

[Never-In-Doubt]

Re: liandconsmum's UE Diary

RE: Tesco

I am posting this tomorrow:



I've received a letter from Wescot stating they will be sending a doorstep collection agent to our house if we don't phone them immediately. I will make sure to also put in the letter re doorstep collection into Wescot's correspondence.

So that's where we are with Tesco right now.

Yep, thats what to do - also, yes add the other template with Wescot letter