liandconsmum's UE Diary

[liandconsmum]

Re: liandconsmum's UE Diary

Will do. Thanks again

[liandconsmum]

Re: liandconsmum's UE Diary

Just a brief update.

Virgin - they are currently looking into our request for reimbursement of mis-sold PPI. Awaiting their response.

Tesco - the DCA for this one sent us a letter (recvd today) stating that they are chasing down Tesco to find out why they still haven't responded to the request for a CCA and will get back with us once it's been obtained.

OD - was going to send a letter with proposed payment plan to them, however, finances still in major upheaval right now. The DCA just sent us a letter asking for an update, but really don't have one for them yet. so just waiting at present....

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Virgin - they are currently looking into our request for reimbursement of mis-sold PPI. Awaiting their response.

Yep, see what they say......

Tesco - the DCA for this one sent us a letter (recvd today) stating that they are chasing down Tesco to find out why they still haven't responded to the request for a CCA and will get back with us once it's been obtained.

Okies, just wait and see what comes back......

OD - was going to send a letter with proposed payment plan to them, however, finances still in major upheaval right now. The DCA just sent us a letter asking for an update, but really don't have one for them yet. so just waiting at present....

Ok, best of luck.....

Keep us updated yea?

[liandconsmum]

Re: liandconsmum's UE Diary

Letter from Iqor today. Halifax is officially going on my "numpty" list, right alongside Santander.

We sent the letter to solicitors as recommended, pointing out that the account is still in dispute and that they need to tread carefully, basically. It appears they then sent the account back to Iqor (DCA). Which is fine.

Iqor then contacted Halifax/HBOS about the dispute. HBOS responded to Iqor, and Iqor quoted part of HBOS's letter in Iqor's letter to me... (confused yet? sigh). Basically, this is what HBOS says about the dispute:

"Please be advised that the agreement and terms & conditions provided to you do comply with the regulations, if the customer disagrees with this then please ask them to write to our Customer Relations Department for them to investigate and respond."

Then Iqor provided the address for that department at HBOS. Iqor has put the account on hold for 2 weeks to allow time "for you to advise how you intend to progress this matter."

Okay. I've sent letters to Halifax/HBOS stating that it's not compliant and they need to send me one that is. I've sent letters to Iqor saying it's not compliant and they need to send one that is. (well, over the last year) Now apparently they were not aware of this and I need to put it down in writing AGAIN and send it somewhere else?? Isn't this customer relations department in the same company?!? Do they not communicate internally there?

So... options

- first, write back to Iqor telling them that as it is not compliant, of course I will be following up on that.

- write to this blasted customer service department in their collections and recovery section and enclose a copy of the previous letter and state that I'm not sure why I'm now being asked (after xxxx amount of time) to send this to them as I would think a large company like HBOS would have cross-trained their employees to actually forward paperwork internally, but here you go....

- sit back and wait for more nonsense from HBOS

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Hiya

I'll do you a response to send iQor - you do not write to HBOS - leave this with me.

[liandconsmum]

Re: liandconsmum's UE Diary

I'll at least say that Iqor was polite and said "please be assured that we had no intention of causing any upset in our attempts to contact you to discuss repayment of the above-mentioned account." I know, I need to remember this is a DCA and most likely a good cop/bad cop routine, putting HBOS in the bad cop seat, and Iqor in the good cop seat. LOL

[Never-In-Doubt]

Re: liandconsmum's UE Diary

can you email me their letter...?

[liandconsmum]

Re: liandconsmum's UE Diary

Just sent it to you Niddy. Thank you.

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Okay. I've sent letters to Halifax/HBOS stating that it's not compliant and they need to send me one that is. I've sent letters to Iqor saying it's not compliant and they need to send one that is. (well, over the last year) Now apparently they were not aware of this and I need to put it down in writing AGAIN and send it somewhere else?? Isn't this customer relations department in the same company?!? Do they not communicate internally there?

Hiya

Ok having read this in more detail, what you need to do is send a copy of the last couple of letters to iQor and do a one liner pretty much saying "read the attached - return this account to HBOS as it is in dispute".

As for HBOS themselves, don't waste your time writing to them right now.

I was going to write, but all i'd be doing is saying the same as what you've already said so it makes better sense to just re-send a copy of the most recent letters to iQor and see what happens.

[liandconsmum]

Re: liandconsmum's UE Diary

Alright. I will put that together and send it. Was photocopying some other stuff anyway, so what's a few more things, eh? LOL I think that copier/printer/scanner has pretty much paid for itself by now. I'm sure it's feeling a bit abused and overworked!!

Thank you so much!

[liandconsmum]

Re: liandconsmum's UE Diary

Okay.

RE: Halifax account.

Letter sent to IQor stating that both they and Halifax have been aware of the dispute for months and telling IQor to return the account to Halifax.

Just a question on that. Since that last letter from DCA Iqor stated that Halifax is saying I need to send a letter outlining dispute to their collections customer service, and I haven't written to them (as obviously they are fully aware it's in dispute re the CCA being UE), that doesn't make me look as if I am being uncooperative or deliberately delaying things, does it? I'm rather leaning towards the idea that they should be handling that internally - I've advised them numerous times, it's not MY fault that they can't sort it internally. This is the first time they've mentioned anything about advising someone else in their company about the dispute - and they've known about it for ages.


RE: OD

It's been defaulted already, so we've sent a payment plan in to them for small monthly payments, which we think is reasonable. We can't afford to pay it off right now, but are hoping that by Christmas we will be able to offer them a full and final and get that one done.

No new developments on anything else. (No news is good news, right? LOL)

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Okay.

RE: Halifax account.

Letter sent to IQor stating that both they and Halifax have been aware of the dispute for months and telling IQor to return the account to Halifax.

Just a question on that. Since that last letter from DCA Iqor stated that Halifax is saying I need to send a letter outlining dispute to their collections customer service, and I haven't written to them (as obviously they are fully aware it's in dispute re the CCA being UE), that doesn't make me look as if I am being uncooperative or deliberately delaying things, does it? I'm rather leaning towards the idea that they should be handling that internally - I've advised them numerous times, it's not MY fault that they can't sort it internally. This is the first time they've mentioned anything about advising someone else in their company about the dispute - and they've known about it for ages.


RE: OD

It's been defaulted already, so we've sent a payment plan in to them for small monthly payments, which we think is reasonable. We can't afford to pay it off right now, but are hoping that by Christmas we will be able to offer them a full and final and get that one done.

No new developments on anything else. (No news is good news, right? LOL)

Hiya

No need to respond, as for your question - you're pretty much sitting tight after originally telling them it is non compliant (ie UE) - and that's all you do need to do. Its not for you to prove it is enforceable, its for them to prove to you that it is not unenforceable.

[liandconsmum]

Re: liandconsmum's UE Diary

Updates:

MBNA credit card - DCA sent a letter entitled "settlement offer".. the usual blah blah blah. Ignore? Or send a reminder that it's UE? Never quite sure when to ignore and when not to. We haven't heard from them in months, so this was a bit out of the blue.

Halifax - they've apparently sent it to a different DCA (Wescot), who are now sending us letters. We sent our response to last DCA on 8th March, and this letter is dated 8th March. I feel like they are rapidly shifting here and there to keep us on the back foot. Just verifying, but I figured I needed to send the "debt sold while account is in dispute" letter... again?? I'm getting rather irritated, as I didn't even really have time to respond to Iqor and they've sent it to another DCA. This is just ridiculous.

Virgin MBNA - we've requested PPI reimbursement on this account. We got a letter today from DCA saying "we are aware that you have an ongoing dispute with MBNA regarding the sale of PPI, however whilst that may be connected to this account, the result of your dispute will have no bearing on this debt, given that any settlement that may be agreed would be paid to you, rather than used to offset this debt. In the circumstances, we do require payment from you towards this debt...." What to say to this??

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Just ignore all 3 of them.

[liandconsmum]

Re: liandconsmum's UE Diary

Okay, thanks. Will do. Have a nice holiday.