Locke's UE diary

[Locke]

Re: Locke's UE diary

Edit this to suit mate, and send ASAP --> http://forums.all-about-debt.co.uk/s...l=1#post363338

If you don't have access we will give it you, just ask here.

Capquest have got back to me with a reply to this letter, it goes as follows...

Thank you for your recent letter.

Please find enclosed copies of the documentation previously provided to you, together with a copy of the Notice of Assignment.

Please be advised that a copy of the default notice would have been provided to you at the time the account defaulted. A duplicate copy is not available. It is also unclear what documentation is required in respect of a 'termination notice'.

We are not obliged to provide you with details of any communications between ourselves and Lloyds Banking Group.

We have placed your account on hold until 14 February 2014, and we would be grateful if you would contact us, on or before that date, to confirm how you wish to proceed in respect of this account.

They included with it all letters that they have sent me previously.

How do you think I should proceed?

[Locke]

Re: Locke's UE diary

How the devil are you - 2yrs later

I'm good thank you mate, I guess I turned into one of those people who drift away from the forum when they get things under control with UE however I think I will be around more now I'm close to the final 2 years.

[Never-In-Doubt]

Re: Locke's UE diary

Thanks guys, it's been printed off and sent earlier today.

Will keep you informed of any updates.

I think you'll find they will scuttle away back beneath their stone

[Never-In-Doubt]

Re: Locke's UE diary

How the devil are you - 2yrs later

[Locke]

Re: Locke's UE diary

Thanks guys, it's been printed off and sent earlier today.

Will keep you informed of any updates.

[Never-In-Doubt]

Re: Locke's UE diary

Edit this to suit mate, and send ASAP --> http://forums.all-about-debt.co.uk/s...l=1#post363338

If you don't have access we will give it you, just ask here.

[Deepie]

Re: Locke's UE diary

This is one Niddy did---> http://forums.all-about-debt.co.uk/s...l=1#post363338


Just edit to suit......

[Locke]

Re: Locke's UE diary

Is it really over 2 years since I last posted in this?! How time flies!

Everything has been pretty quiet for a while now and is coming up to 4 years since last payment, however I recently received a letter from Crapquest about an old Halifax Credit Card that Niddy said was unenforceable due to it being a recon stuck together.

So anyway after a few rounds of template tennis which involved me sending the 'sold whilst in dispute' letter and then a 'recon sent letter' I've received a letter that I coulf do with some help with and advice on what to send back.

The main part of their letter states...

LETTER OF CLAIM UNDER THE PRACTICE DIRECTION - PRE ACTION CONDUCT


We regret that you have not responded to our previous letter.

As a result of your failure to respond we must now consider your account for legal action. Your account is being processed through our pre-action validations and checks. This includes compiling data related to your residential and employment status.

Any claim will be issued in the name of Crapquest investments limited and will be for the unpaid balance on the above account. Through the litigation process we will seek a judgement of the court, directing you to pay the monies outstanding. We are not aware of any dispute relating to the account but we are willing to discuss with you any issues related to our claim and to seek to resolve them through alternative dispute resolution methods. Our preferred method is a without prejudice discussion with you or your advisors. We refer you to the practice direction - pre action conduct which provides that parties should exchange information before starting proceedings. Paragraph 4 allows the court to impose sanctions on a party who does not comply with its requirements.

Then more about how I should call them etc...

What is the best way to reply to this? Thank you in advance.

[Never-In-Doubt]

Re: Locke's UE diary

Remember as well, we will be going live here shortly: ---> Whats Niddy been up to lately?

[Locke]

Re: Locke's UE diary

Hi Locke,
Just wanted to say thanks for this tip, I'm just starting on my UE journey and want to control the phone to stop stuff like this.

I've switched all the ringers off so that when a call comes through the displays just light up with the incoming number, and the answer machine is switched off so any messages go to BT's 1571 service. My phones allow call blocking too!

Good to see that one year on your journey is going positively. The letter ping-pong must be a pain but the outcome for you looks good so far! My fingers are crossed!

Thank you Oldyboy! It was one of those things I came across while reading up on the subject, nobody wants the phone to ring only to find it's a text message from a DCA using a trick to get past phone blocking equipment.

The letter pingpong does slow down and for some of them I couldn't tell you what DCA is looking after some debts off the top of my head as I haven't heard from them in so long.

It does get easier, you just have to stick with it.

[Locke]

Re: Locke's UE diary

This wouldn't be "Nelson Guest and Partners" would it?

If it is they are the toothless tigers renting their letterhead to Wescot (The Hull Heroes). If you look around that letter and check the small print about payment you will find that the numbers will tally with those of HH's.

We had slightly differing circumstances but we threatened them with action and complaint for breaching the SRA code of conduct on several counts. The alleged account was back in Hull the same day as they signed for the recorded delivery.

I would consider sending them a copy of the previous letter and this one:

>Unenforceability Templates - Section 5


Garlok

Not sure if it's Nelson Guest as I don't have the letter to hand but it could be, I'll do as you suggest and get that letter sent off.

Many thanks.

[Never-In-Doubt]

Re: Locke's UE diary

I would consider sending them a copy of the previous letter and this one:

>Unenforceability Templates - Section 5


Garlok

I agree - thanks

[oldyboy]

Re: Locke's UE diary

I've looked around and found out that you can switch this service off if you're a BT landline user, just phone 0800 587 5252 and then press 1 to control the curfew times and then option 5 to turn it off. mile:

Hi Locke,
Just wanted to say thanks for this tip, I'm just starting on my UE journey and want to control the phone to stop stuff like this.

I've switched all the ringers off so that when a call comes through the displays just light up with the incoming number, and the answer machine is switched off so any messages go to BT's 1571 service. My phones allow call blocking too!

Good to see that one year on your journey is going positively. The letter ping-pong must be a pain but the outcome for you looks good so far! My fingers are crossed!

[garlok]

Re: Locke's UE diary

This wouldn't be "Nelson Guest and Partners" would it?

If it is they are the toothless tigers renting their letterhead to Wescot (The Hull Heroes). If you look around that letter and check the small print about payment you will find that the numbers will tally with those of HH's.

We had slightly differing circumstances but we threatened them with action and complaint for breaching the SRA code of conduct on several counts. The alleged account was back in Hull the same day as they signed for the recorded delivery.

I would consider sending them a copy of the previous letter and this one:

>Unenforceability Templates - Section 5


Garlok

[Locke]

Re: Locke's UE diary

Hiya

Nah, no need to see it again matey. Basically for argument sake, send this back to Lowell CCA Query - Creditor Refusal to Accept UE Status

Hi NID, hope you are well?

So I followed your advice and got this letter sent off to Wescott, I've not heard from them since but received a letter then other day from some solicitors supposedly acting after Wescott passed the debt on to them for collection, it's just the usual threats about how other forms of collection 'may' be made etc.

Should I send them the letter too or just ignore it?

With thanks as always.