carol01 UE Diary

[carol01]

Re: carol01 UE Diary

hiya n-i-d
i recieved a statement off halifax today????
minimum amount due 13,588.99
payment date 3 may 2011
its been 13 months since i have paid them and also 14months since starting my
u.e journey (requesting cca) as above post says the account is now with westcot so why am i recieving statements from halifax they have defaulted the account last october although i have yet to recieve a default notice from them
thanks n-i-d inadvance

[carol01]

Re: carol01 UE Diary

Hiya

Looks like these clowns are going for it?

I think we need to be responding, something along the lines of "Read my previous letter again, and continue to read it until you understand it. This account is formally in dispute which means requesting an agreement again will achieve nothing because I dispute the actual accuracy of the agreement and its content. If you continue to pursue this lost cause not only will I consider a counterclaim against you, I will defend any action as unlawful and vexatious. I formally demand you return this whole account back to the debt collection agency whom passed it to you".

That ought to about cover it!

hi n-i-d
i think your letter has worked yay!! as halifax debt has now been passed to wescot
quick recap halifax credit card blagging as t and c not 100% linked
letter says... notice of debt collection
westcot credit services are specialist debt collection organisation. we have been instructed by our client to collect the above outstanding debt on their behalf.
please pay in full now or contact us on .....
thanks n-i-d another triumph in the carol01 corner

[Never-In-Doubt]

Re: carol01 UE Diary

yes its is my overdraft so as it is exempt i will pay this back. it would have taken me 11 years to pay back overdraft as account was still being charged interest. on your advice which was very good advice was not to pay back until account was defaulted and interest was stopped being added . an agreement was made by myself and natwest last june they promised to pay 80.00 of charges back to my account and i was to pay 80.00 per month till overdraft was paid. they didn't pay 80.00 into my account they paid 75.00 which took me over the overdraft limit again and i was charged 25.00 so i have not paid anything since.thanks n-i-d will have a look over the settlement and offer letters now

Ok, well make sure you reclaim that £25 as well and ensure that this doesn't happen again!

[carol01]

Re: carol01 UE Diary

Hiya

Bloody hell, that's a nightmare lol - well at least it's now defaulted which usually isn't something to laugh at but in this case, it is! How long

Is this enforceable? Why are you making an offer to repay? Please remind me...

Have a read here: ---> Settlements & Offers

yes its is my overdraft so as it is exempt i will pay this back. it would have taken me 11 years to pay back overdraft as account was still being charged interest. on your advice which was very good advice was not to pay back until account was defaulted and interest was stopped being added . an agreement was made by myself and natwest last june they promised to pay 80.00 of charges back to my account and i was to pay 80.00 per month till overdraft was paid. they didn't pay 80.00 into my account they paid 75.00 which took me over the overdraft limit again and i was charged 25.00 so i have not paid anything since.thanks n-i-d will have a look over the settlement and offer letters now

[Never-In-Doubt]

Re: carol01 UE Diary

hi n-i-d
hope you had a fab holiday
finally after 8 months of waitng for natwest to default my bank account they have, and have passed it on to eversheilds solicitors ,which means hopefully the interest will stop now.
is there a letter i can send proposing a payment plan to start paying off this account, the balance is 3945.49 what would you think they would except as payment i could pay 60.00 per month it would then be paid back in 5.5 years ready for when the default drops off thanks n-i-d in advance

Hiya

Bloody hell, that's a nightmare lol - well at least it's now defaulted which usually isn't something to laugh at but in this case, it is! How long

Is this enforceable? Why are you making an offer to repay? Please remind me...

Have a read here: ---> Settlements & Offers

[carol01]

Re: carol01 UE Diary

hi n-i-d
hope you had a fab holiday
finally after 8 months of waitng for natwest to default my bank account they have, and have passed it on to eversheilds solicitors ,which means hopefully the interest will stop now.
is there a letter i can send proposing a payment plan to start paying off this account, the balance is 3945.49 what would you think they would except as payment i could pay 60.00 per month it would then be paid back in 5.5 years ready for when the default drops off thanks n-i-d in advance

[Never-In-Doubt]

Re: carol01 UE Diary

thanks everyone
i will resend the original letter to jd recovery showing that argos don't have the a copy of my cca and i will also send a copy of letter i will not contact them via phone either
again thankyou for all your help and support x

Carol,

You seem to have things under control again now - if you need anything, just update this. The info above, in my absence is fine and I agree with it all - you ought to calm down and not ring - just send the Niddy Special as detailed above and amend the work element to family member....

Best of luck, keep us posted.....

[jen_br]

Re: carol01 UE Diary

Hi hopefully the call have stopped to your parents its sad that happend and I hope you can get some sort of compo from it (I call that a niddy special)

Anyway, stay off the phones as you know let us know if you get anything more. Hopefully they just cease and desist.

[carol01]

Re: carol01 UE Diary

thanks everyone
i will resend the original letter to jd recovery showing that argos don't have the a copy of my cca and i will also send a copy of http://forums.all-about-debt.co.uk/s...97&postcount=6 letter i will not contact them via phone either
again thankyou for all your help and support x

[Deepie]

Re: carol01 UE Diary

Hi i would sent this


Harassment by Telephone Threat of Legal Action Template

[MrsD]

Re: carol01 UE Diary

I agree with Elsie and Swanny, no point in giving yourself stress by phoning them, and they seem to find it really easy to just ignore a phonecall. I think you need to complain and send them the letter.
Tell your Mum not to entertain them on the phone too.
Bampots, all of them.

[Elsie52]

Re: carol01 UE Diary

Hi Carol,

I still wouldn't telephone them at all. Send them the Telephone Harrassment letter, and if they phone again tell your mum not to speak to them, other than to say take her number of your file and just put the phone down.

I don't know what other suggestions anyone else may have. Perhaps others would like to add something here guys?.

[carol01]

Re: carol01 UE Diary

Hiya Carol,

Swanny is right, its a breach of Data Protection, they should have never disclosed anything to anyone.

I would probably use this letter and substitute 'work' for 'family members house'.

http://forums.all-about-debt.co.uk/s...97&postcount=6

Elsie

thanks elsie
will get this letter sent out do you think i should phone them to make sure they take my mums number off their system as my mum has enough on her plate with my dad being ill and i really don't want them phoning their house again , knowing in the past reading through diaries of dca's not taking any notice and continuing to phone people at work even if i give them my home number (which they have ) and then fail security when they phone just to make sure this doesn't happen again
i know this goes against every thing niddy says but i feel i have i have had the control taken away from me by them involving other members of my family and need to take control again thanks inadavnce

[Elsie52]

Re: carol01 UE Diary

Hiya Carol,

Swanny is right, its a breach of Data Protection, they should have never disclosed anything to anyone.

I would probably use this letter and substitute 'work' for 'family members house'.

http://forums.all-about-debt.co.uk/s...97&postcount=6

Elsie

[carol01]

Re: carol01 UE Diary

Hmm, well you may want to wait for Niddy's advice on this but i'd say speak to the ICO--> Complain to the ICO

thanks swanfan
i may need a couple of weeks to calm myself down i will find out in the mean time if my mum took his name
i know i don't answer the phone to them but surely they have no right to phone people i have linked addresses to which is my mum and dads house this is the lowest of the low, thanks swanfan