Free's UE Diary

[Never-In-Doubt]

Re: Free's UE Diary

Gimme 5 and i'll check emails

[Deepie]

Re: Free's UE Diary

Hi,

I received a letter this morning from Red Debt Collection Service In regards to my Littlewoods account (balance £1100) now owned by Lowells, they say that this has been passed over now to Hamptons legal.

They state that they have checked my credit record (can they do this?) and the information based on this is

• Could apply for a CCJ

And remained unpaid

• Apply for the value of the debt to be secured on my home
• Instruct bailiffs to remove goods from my home.
• Deductions from my earnings

An alternative from litigation could be

• A Field Agent to discuss my payment face to face
• To serve paper for bankruptcy

The letter continues by saying that we will not write to you again Hamptons Legal will contact you soon.

Just ignore wait untill Hamptons contact you

[Free]

Re: Free's UE Diary

Hi,

I received a letter this morning from Red Debt Collection Service In regards to my Littlewoods account (balance £1100) now owned by Lowells, they say that this has been passed over now to Hamptons legal.

They state that they have checked my credit record (can they do this?) and the information based on this is

• Could apply for a CCJ

And if remained unpaid

• Apply for the value of the debt to be secured on my home
• Instruct bailiffs to remove goods from my home.
• Deductions from my earnings

An alternative from litigation could be

• A Field Agent to discuss my payment face to face
• To serve papers for bankruptcy

The letter continues by saying that we will not write to you again Hamptons Legal will contact you soon.

[Never-In-Doubt]

Re: Free's UE Diary

That is just Neanderthal bravado and I would ignore it. He thinks he is being smart but his attitude would change if you quoted the law as he was faced by a police officer. Just ensure you send the template I suggested - DO NOT SIGN IT just type your name and then see what happens. Also ensure your wife never allows them to enter your home no matter how friendly or plausible they seem.

Yep, as for signing things - see this: Signing Digitally

[mauijim]

Re: Free's UE Diary

I rang him and said why are you at my door as this is in dispute and I expressed to your company that I did not want any visit, he said he was not informed by Moorcroft and he can come if he wished, I said if you come again I will ring the police he said please do.

That is just Neanderthal bravado and I would ignore it. He thinks he is being smart but his attitude would change if you quoted the law as he was faced by a police officer. Just ensure you send the template I suggested - DO NOT SIGN IT just type your name and then see what happens. Also ensure your wife never allows them to enter your home no matter how friendly or plausible they seem.

[Free]

Re: Free's UE Diary

Hi,

In the past I have sent numerous letters to all these collectors expressing I have no desire for any visits.

Moorcroft sent a Field Agent to my home and my partner answered the door, he was liberally discussing my account with her at the door. She told him to go and he left his contact details for me to contact him.

I rang him and said why are you at my door as this is in dispute and I expressed to your company that I did not want any visit, he said he was not informed by Moorcroft and he can come if he wished, I said if you come again I will ring the police he said please do.

[Deepie]

Re: Free's UE Diary

Good advice given there Free.

It was'nt free it was mauijim

[Elsie52]

Re: Free's UE Diary

You have got some good advice given there Free.

[mauijim]

Re: Free's UE Diary

Hi Free

I am also quite new to this but I am a fast learner. My advice on people visiting to supposedly collect debts is simple. You do not have to speak with them at all if you don't want to, unless they are court appointed bailiffs in which case they would arrange a legal visit through the court. It doesn't appear that you are at that stage so just read below.

So I suggest sending a copy of this template Threat of Doorstep Visit

If you are unlucky to get a visit (I had one) simply tell them you wish for them to leave and that you have nothing to say. If they don't comply then threaten to call the Police. if they are stupid enough to ignore the threat and still will not leave then call the police.

I cannot offer specific advice on 1st Credit but I would suggest they are like all the other DCAs of this world. Take advice from NID and his merry crew, NEVER phone them, never speak to them on the phone if they call you. Always correspond in writing and send it Recorded Delivery so you have proof of postage. I was advised to staple my proof of postage to the letter they sent me and that is a very useful tip.

Last but by no means least, chill and try not to worry as this will not help at all. The people on here are brilliant and they will help you - hey that even includes me now and I am in a pretty deep hole myself!

Good luck - smile and relax - even though I know it's bloody hard at times!

[Deepie]

Re: Free's UE Diary

Looks like they bought a bad debt

boom boom

[Free]

Re: Free's UE Diary

Hi,

I have just had a letter form The Bank of Scotland (Halifax) informing me that they have sold my alleged debt onto 1st Credit Ltd.

I have sent Niddy my alleged CCA from them (Application form)

I CCA the Bank of Scotland (Halifax) in January 2009 & they have been total pigs since then. They have sent debt collectors around to my house and completely been aggressive.

It’s been so far with
• Blair Oliver and Scott
• Robinson Way
• Iqor
• Moorcroft - they sent a field agent to my house with out invite.

Now sold to 1st Credit

I have updated my thread at the beginning to include this.

Can any one offer any opinion or share experiences with 1st Credit

As of Lowell’s from my thread - I have not heard much from them as of yet.

Thanks for the brill site

[Free]

Re: Free's UE Diary

Hi Niddy,

I wish to thank you for this.

Letters will be going tomorrow and will keep all updated

Thanks

[Never-In-Doubt]

Re: Free's UE Diary

Sorry I edited my last post and never quoted doh!!

Basically the Littlewoods & Barclays are BOTH

Send same template to for both. So you'll be sending 3 letters to lowells in 3 envelopes ok? All recorded delivery

ie send application form received for the Morgan stanley and an missing prescribed terms for littlewoods & barclays.

Links are in the relevant posts above. Make sense?

[Never-In-Doubt]

Re: Free's UE Diary

[QUOTE=Free;85698]Barclaycard Littlewoods

Barclaycard

• Type of account -- Credit Card
• Date commenced -- 1995
• Approx balance -- £8000
• Date last paid –Nov 2009
• Are you on arrangement or not paying -- no arrangement and not paying
• Status - Default Mercers 2008
• Account owner - Lowell

Exactly as above (last account)...

This is very much so 100%

Basically its not got any PT's, no linked terms, in fact it doesn't have much at all does it?

Just send this back: CCA Query - Missing Prescribed Terms

[Never-In-Doubt]

Re: Free's UE Diary

Hi Niddy,

Yet again all wise words.

I will follow your advice. I don’t know how they can get away with it.

Thanks for your support and sorry to be a pain in the posterior

Please in the meantime go to post one, click edit and fill in the blanks for me and also add some history! Upto the point you sent me via email the CCA to check - as I say, see the link to the example diary...

Thanks