The Scarednshakins UE Diary

[scarednshakin]

Re: The Scarednshakins UE Diary

Thanks Niddy will send that off today. Hope you and yours are all well and enjoying the sunny weather. Colder up here today, was getting quite used to the sun

Take care and thanks again

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

Thanks Niddy will send that off today. Hope you and yours are all well and enjoying the sunny weather. Colder up here today, was getting quite used to the sun

Take care and thanks again

Excellent, best of luck

Keep us updated yea? Weather is crappy right now, think it's a UK wide thing which is good, its always cold in Leeds

Say hi to the hubby for me and give him a beer

chat soon :niddy

[scarednshakin]

Re: The Scarednshakins UE Diary

Got response to Threat of Litigation letter I sent back in January. Moorcroft have contacted RBS and they say they have sent out copy of agreement and that they have also issued a final response.

'In order to assist you further we would ask that you confirm recipt of our client's correspondence and should you have any unresolved concerns regarding your liability for this account please provide further details and we will ensure that this matter is investigated further with our client'

Any ideas what I should send out to this one or ignore as well?!?!

Cheers

Well ignored the letter from Moorcroft and today got letter from Wescot so it has been passed again, will send out Account Sold letter and wait for a reply

Thanks for the beer Niddy passed it on to OH, he is busy working just now, working closer to home now so making a big difference.

Speak to you soon

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

Well ignored the letter from Moorcroft and today got letter from Wescot so it has been passed again, will send out Account Sold letter and wait for a reply

Yep, thats what to do! Idiots eh?

Cheers, have a good weekend

[scarednshakin]

Re: The Scarednshakins UE Diary

You too and don't work too hard Take care

[scarednshakin]

Re: The Scarednshakins UE Diary

Been so VERY quiet this last few weeks, got another letter from Apex regarding Mr SNS Lloyds online loan.

'We now believe that you are simply avoiding paying your debt .... Consequently your account will be passed to our internal litigation team in order to condier the best course of action for recovery of the debt outstanding'

Have been ignoring them so far, will send out Threat of Litigation letter, hope that ok and hope it is as sunny with you as it is up here

Thanks as always Niddy

Hiya, yep send this off: ---> Threat by Lender/D.C.A - To commence litigation

Morning Niddy, hope all is well with you.

I posted out the above letter on 5 May to Apex. Today I get a letter from HL Legal and Collections (no address on the letter for them, but same address as Apex on back of envelope).

The letter is dated 3 May and we only received it this morning.

NOTICE OF PENDING LEGAL ACTION

They have been instructed by Apex and unless Apex receive payment in full or a valid reason for non-payment of the account within the next 7 days, then court proceedings may be taken.

Never had any contact from HL before, do I send them a copy of the letter I sent Apex on 5 May. They do say that 'we are instructed not to enter into correspondence with you at this stage' isn't that nice of them but as they have written to me I only think it is polite to respond I will wait to see what you think is the best thing to do.

Cheers Niddy and speak to you soon

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

Morning Niddy, hope all is well with you.

I posted out the above letter on 5 May to Apex. Today I get a letter from HL Legal and Collections (no address on the letter for them, but same address as Apex on back of envelope).

The letter is dated 3 May and we only received it this morning.

NOTICE OF PENDING LEGAL ACTION

They have been instructed by Apex and unless Apex receive payment in full or a valid reason for non-payment of the account within the next 7 days, then court proceedings may be taken.

Never had any contact from HL before, do I send them a copy of the letter I sent Apex on 5 May. They do say that 'we are instructed not to enter into correspondence with you at this stage' isn't that nice of them but as they have written to me I only think it is polite to respond I will wait to see what you think is the best thing to do.

Cheers Niddy and speak to you soon

Its all the same firm, as you've already sent the threat template, you can send it again if you want - to Apex?

Otherwise they do this to act ignorant, ie pretend they never received it - so sending one special delivery ensures that if they try and take action, you can show the court that the account was indeed disputed and that Apex knew damn well fine it was as well....

[scarednshakin]

Re: The Scarednshakins UE Diary

Cheers Niddy, letter was sent to Apex and have the receipt to prove it, so will just leave it and see what comes next, thank you kind sir

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

Cheers Niddy, letter was sent to Apex and have the receipt to prove it, so will just leave it and see what comes next, thank you kind sir

Ok, is there a number on the HL letter?

If so can you ring and tell them to check their records as you have proof that you did send correspondence in and it was signed for on X date. Then explain, pass the account back or you will take action against them, and they will then be liable for your costs....

Should be fine doing this (withold your number, obviously).....

If you don't have their number - I do! (I have most of them lol):---:> 01527405495

[scarednshakin]

Re: The Scarednshakins UE Diary

Ok, is there a number on the HL letter?

If so can you ring and tell them to check their records as you have proof that you did send correspondence in and it was signed for on X date. Then explain, pass the account back or you will take action against them, and they will then be liable for your costs....

Should be fine doing this (withold your number, obviously).....

If you don't have their number - I do! (I have most of them lol):---:> 01527405495

No, they were very sneaky and there are no contact details on there at all, it was only cause I looked at the back of the envelope I noticed it was the same address as Apex.

I like this idea, will get OH to phone tomorrow, I checked and Apex received the letter on 6 May. It is very handy having Niddy directory enquiries

Cheers Niddy

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

It is very handy having Niddy directory enquiries

[scarednshakin]

Re: The Scarednshakins UE Diary

Mr SNS phoned yesterday and woman who answered was fine and when he said about passing it back to Apex she said ok! Will wait and see if they do or not

[scarednshakin]

Re: The Scarednshakins UE Diary

Ok, is there a number on the HL letter?

If so can you ring and tell them to check their records as you have proof that you did send correspondence in and it was signed for on X date. Then explain, pass the account back or you will take action against them, and they will then be liable for your costs....

Should be fine doing this (withold your number, obviously).....

If you don't have their number - I do! (I have most of them lol):---:> 01527405495

Letter in this morning from Apex, they are no longer acting on behalf of Lloyds for this account and it has been passed back - YIPPEEEE Wonder who will get it next - thanks Niddy you are a star

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

Letter in this morning from Apex, they are no longer acting on behalf of Lloyds for this account and it has been passed back - YIPPEEEE Wonder who will get it next - thanks Niddy you are a star

Ooooh I love it when a plan comes together

[scarednshakin]

Re: The Scarednshakins UE Diary

Ooooh I love it when a plan comes together

Thanks Niddy but it has been passed on already Got letter from Moorcroft this morning, 'It is a legal requirement to send a notice of intended litigation before legal proceedings are issued

Just send outthreat of litigation letter?

Cheers Niddy