carol01 UE Diary

[carol01]

Re: carol01 UE Diary

Just edit to suit your situation ........

ok thanks

[Deepie]

Re: carol01 UE Diary

hi again sorry
this letter goes on about the....

"The terms and conditions are plainly not a copy of those on the original agreement. There may only be one difference identified (it is difficult to tell from the illegible copy of the original) but that is enough. The obligation is to provide "a copy of the executed agreement". This plainly cannot be a copy of the original agreement. It is not open to the claimant to say that the difference is 'de minimis'. They have to provide a copy of the original (reconstituted or otherwise)"

my copy is quite easy to read will they not just come back with this sorry for being a pain just want to know whether to take this part out
thanks carol01

Just edit to suit your situation ........

[carol01]

Re: carol01 UE Diary

I would send this if it were me--->Threat by Creditor - Threat-o-Gram Letter Before Action

hi again sorry
this letter goes on about the....

"The terms and conditions are plainly not a copy of those on the original agreement. There may only be one difference identified (it is difficult to tell from the illegible copy of the original) but that is enough. The obligation is to provide "a copy of the executed agreement". This plainly cannot be a copy of the original agreement. It is not open to the claimant to say that the difference is 'de minimis'. They have to provide a copy of the original (reconstituted or otherwise)"

my copy is quite easy to read will they not just come back with this sorry for being a pain just want to know whether to take this part out
thanks carol01

[carol01]

Re: carol01 UE Diary

I would send this if it were me--->Threat by Creditor - Threat-o-Gram Letter Before Action

thanks in 2 deep will send it today

[Deepie]

Re: carol01 UE Diary

hi all
i sent the missing pt's letter to hamptons solicitors ref my agos account and have recieved today a letter from lowell saying ....
we are now preparing to instruct a solicitor ???
We have tried to resolve this matter with you without success. We have now reviewed the imformation contained on your credit file and based on the way you are conducting other finances, we believe that you are in a position to start repaying this account.
you have failed to repay this debt, or provide a genunie reason why it should not or cannot be paid, we are now preparing to instruct drydensfairfax solicitors a law firm that specialises in recivering unpaid debts,to manage your case.

any thoughts i don't think they liked the last letter although they don't seem to have mentioned it but at least hamptons have passed it back to lowell is there any i should send to lowell or just file and ignore for now thanks carol01

I would send this if it were me--->Threat by Creditor - Threat-o-Gram Letter Before Action

[carol01]

Re: carol01 UE Diary

Sorry for the delay. It's

I'd send missing PT's....

hi all
i sent the missing pt's letter to hamptons solicitors ref my agos account and have recieved today a letter from lowell saying ....
we are now preparing to instruct a solicitor ???
We have tried to resolve this matter with you without success. We have now reviewed the imformation contained on your credit file and based on the way you are conducting other finances, we believe that you are in a position to start repaying this account.
you have failed to repay this debt, or provide a genunie reason why it should not or cannot be paid, we are now preparing to instruct drydensfairfax solicitors a law firm that specialises in recivering unpaid debts,to manage your case.

any thoughts i don't think they liked the last letter although they don't seem to have mentioned it but at least hamptons have passed it back to lowell is there any i should send to lowell or just file and ignore for now thanks carol01

[Never-In-Doubt]

Re: carol01 UE Diary

update only...

i have sent to argos CCA Query - Missing Prescribed Terms i think this is the best letter to send
thanks carol01

Ooops just seen this. Yep well done

[Never-In-Doubt]

Re: carol01 UE Diary

hi nid
just wondered if you have had time to look at the cca and letter i recieved that i sent to you the other night
thanks carol01

Sorry for the delay. It's

I'd send missing PT's....

[carol01]

Re: carol01 UE Diary

That's the one I would have sent........

see getting the hang of it now thanks

[Deepie]

Re: carol01 UE Diary

thanks elsa i know he is busy and seems as though i am 3 years into u.e i should by now know what letters to send lol so i have sent missing prescibed terms letter and if its the wrong letter they can have the right one next time lol

That's the one I would have sent........

[carol01]

Re: carol01 UE Diary

Hi Carol,
Sorry you've not had a response...the pre Christmas quiet time is upon us! Yeah good idea for you to send that letter for now.
Niddy's been humungously busy so if you've not had a response to sending him your agreement I would send him a pm to remind him.
Keep a close eye on what they send next and let us know...

Elsa x

thanks elsa i know he is busy and seems as though i am 3 years into u.e i should by now know what letters to send lol so i have sent missing prescibed terms letter and if its the wrong letter they can have the right one next time lol

[Undercover Elsa]

Re: carol01 UE Diary

Hi Carol,
Sorry you've not had a response...the pre Christmas quiet time is upon us! Yeah good idea for you to send that letter for now.
Niddy's been humungously busy so if you've not had a response to sending him your agreement I would send him a pm to remind him.
Keep a close eye on what they send next and let us know...

Elsa x

[carol01]

Re: carol01 UE Diary

hi all
i have recieved today a letter from hamptons legal ref my argos card it says...
impending legal action
we are hampton legal the litigation department for lowell financial ltd .We have been instructed to recover an outstanding debt thet you owe which originated from an agreement you had with argos home retail group. We note that lowell have offered you on a number of occasions the opportunity to enter into a payment plan so that you could clear this account but you have decided not to take up this offer.
we know of no reason why this debt should not be paid and can only assume you simply have no intention to pay it back. we are therefore assesing your account to decide what action to take as you are a homeowner it is very likely we will apply to the county court for a judgement.
any advice is welcome thanks carol01

update only...

i have sent to argos CCA Query - Missing Prescribed Terms i think this is the best letter to send
thanks carol01

[carol01]

Re: carol01 UE Diary

ok have sent the letter and a copy of the cca
thanks carol01

hi nid
just wondered if you have had time to look at the cca and letter i recieved that i sent to you the other night
thanks carol01

[carol01]

Re: carol01 UE Diary

any chance you can send me the cca info and that letter received please? Obviously it needs a response....

ok have sent the letter and a copy of the cca
thanks carol01