carol01 UE Diary

[carol01]

Re: carol01 UE Diary

hi all
i have recieved a letter for my barclay card from mkrr
it says..
i am writing to you regarding your outstanding balance,with the objective of finding a solution to resolve this debt.
ignoring this letter will only result in making this situation worse and we strongly recommend you contact us upon receipt of this letter.
we are in a position to offer a payment arrangement to resolve this problem if you contact us straight away.
quick recap cca is ue and has not been paid since april 2010
should i ignore for now
thanks for your help inadvance

[carol01]

Re: carol01 UE Diary

Just ignore see what they send next in 2 weeks

hiya back again so very quickly
recieved a letter again from moorcroft ref my natwest account only recieved their last letter 4 days ago stating the account was on hold for 2 week for me to contact them with a payment plan it says....
important information possible litigation
if you don't contact us following reciept of this letter we may have no alternative other than to assume that you are advoiding repayment of this debt. in this situation we may recommend to our clients that instructions to issue legal action against you be given. please note if legal action is neccessary your debt may increase as follows
solicitors costs 100.00
court fees 190.00
solicitors cost for entering judgement(default) 35.00
contact us now as we would be happy to discuss a repayment plan that you can afford and maintain and may be able to offer you a substantial discount from the outstanding balance in certain circumstances.
should i send Threat by Lender/D.C.A - To commence litigation do you think
thanks inadvance carol01

[carol01]

Re: carol01 UE Diary

Just ignore see what they send next in 2 weeks

yep think i may just be able to do that thanks i2d x

[Deepie]

Re: carol01 UE Diary

Just ignore see what they send next in 2 weeks

[carol01]

Re: carol01 UE Diary

hi all
i have recieved a response from moorcroft after sending the above letter
it says..
we acknowledge receipt of recent correspondence with regards to the above account.
please be assured that your account is now on hold whilst we investigate this matter further with our client and that will communicate their response upon receipt.
in the mean time if your require ant further information or assistance please do not hesitate to contact us on the above telephone number.
quick recap application form sent niddy say its a blass up and has no legal weight in court not paid since march 2010.
guess it a waiting game now to see what they have to say i can cope with that.
thanks for all the advice

hi all
i have recieved a letter from moorcroft ref my natwest account it says....
i write in response to your recent communication in relation to the above account and can confirm we have been in contact with the royal bank of scotland who have advised us that they have fully complied with your consumer credit act request on 23/08/2010 and sent a further letter to you on the 12/10/10 confirningthey have supplied correct documentation under section 78 of the consumer redit act.
i can also confirm that i have placed this account on hold for 2 weeks and request you make contact with our call centre on the above telephone number to discuss a repayment proposal you can afford and maintain. please be aware that if contact is not made within this timescale our follow up of this account will recommence.
quick recap as below account defaulted and what n-i-d says below
Hiya Natwest is :UE

Basically there are NO prescribed terms attached, there is also no separate agreement for the PPi (in line with s.18 CCA1974) nor is there any link to cancellation rights. Put simply it is a blass-up of an application that holds no legal weight in court!

If for any reason they went to court and did win *gasp in horror* then i'd be saying reclaim all PPi and charges which would knock 50% + off the debt anyways!

thanks for your help inadvance

[Deepie]

Re: carol01 UE Diary

Yep......... just ignore

[carol01]

Re: carol01 UE Diary

send this first>Account Sold whilst in Dispute

hi all
i have recieved a response from moorcroft after sending the above letter
it says..
we acknowledge receipt of recent correspondence with regards to the above account.
please be assured that your account is now on hold whilst we investigate this matter further with our client and that will communicate their response upon receipt.
in the mean time if your require ant further information or assistance please do not hesitate to contact us on the above telephone number.
quick recap application form sent niddy say its a blass up and has no legal weight in court not paid since march 2010.
guess it a waiting game now to see what they have to say i can cope with that.
thanks for all the advice

[carol01]

Re: carol01 UE Diary

Yep, i'd ignore for now.

thanks will do

[swanfan]

Re: carol01 UE Diary

Yep, i'd ignore for now.

[carol01]

Re: carol01 UE Diary

Send this Harassment & Threat of Doorstep-Visit

hi all
i have received a response from iqor ref my halifax account after sending the above letter
it says...
thankyou for you letter dated 11/08/2011
we can advise that the above balance is outstanding and no further interest will be added.
therefore could you please forward your proposals for settlement by return post.
quick recap..
account i am blagging, not yet recieved a default althought on experian it was defaulted on 4/10/2010. not been paid since feb 2010.
should i ignore for now
thanks inadvance

[Never-In-Doubt]

Re: carol01 UE Diary

Best of luck

[carol01]

Re: carol01 UE Diary

thanks i2d
letters sent thanks for the reply

[Deepie]

Re: carol01 UE Diary

Send this Harassment & Threat of Doorstep-Visit

[carol01]

Re: carol01 UE Diary

hi all
i have recieved a letter from iqor ref my halifax account
a door step collection notice
it says
your debt owed to halifax has now been palced with iqor recovery services for immeditiate collection and settlement.
we intend to arrange a debt collector to visit your home to agree with you how you will settle this long overdue debt.you may also respond to this letter and make specific repayment proposals that are acceptable to iqor recovery.
we may be able to offer you a substantial reduction on your outstanding balance. this offer is only open to you 72 hours from reciept of this letter.
should your financial circumstances prevent total settlement of the account your offer of realistic monthly or weekly repayments will receive our careful consideration
quick recap...
blagging this account at the moment not paid anything since march 2010 and have not recieved a default notice for this account aqs of yet but account on cra was defaulted oct 2010
should i ignore for now
thanks inadavnce

[Deepie]

Re: carol01 UE Diary

hi all
after 5 weeks of nothing and i mean nothing no phone calls, letters or people knocking at my door natwest has reered it ugly head again in the form of moorcroft.
it says... we have been instructed to collect your overdue debt. It is a legal requirement to send a notice of intended litigation before legal procceedings are issued.We believe that this letter fulfils this requirement even if it is not read by you.
to prevent our recommending to our client that solicitors commence legal proceedings it is essential that you settle this debt without delay. it goes on to say contact them before 10/08/2011 and if it goes to court i will have to pay all the costs aswell.
quick recap
n-i-d says it was a blass up of an application and holds no weight in court also it has been around the block a few times with different dca's should i sent Threat by Lender/D.C.A - To commence litigation
do you think?
thanks in adavnce
carol01

send this first>Account Sold whilst in Dispute