lookingforward's UE Diary

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

Re BOS :- Whom have prev said they wouldn't seek to enforce through the courts as they couldn't find the docs, Moorcroft got involved with threats as usual so you advised as below.

OK according to Royal Mail my letter sent on the 5th Jan is STILL in the network for delivery lol

Today the following from Moorcroft which arrived in an envelope with no stamp, franking, or anything-

25.2.11 Letter from Moorcroft giving last opportunity to prevent more serious action being taken is to pay £50 p/m. Unless payment rec’d by 27.2.11 they may recommend court proceedings to be commenced against me by external solicitors without further notice, affect credit rating etc.

Do I ignore assuming they have actually rec'd my prev letter ?

Recorded Delivery doesn't guarantee delivery - so if they get loads of letters a day, then it'll show as still in network but really the posty may have handed over 50 SD letters and got one signature, i'd send another copy special delivery (costs a fiver) to ensure they get it......

Then you'll have proof of delivery as this needs its own signature.

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

Hiya,

They do say 'may' recommend,.......so it is probably yet another scare tactic letter. Have you actually rung the PO, they are able to tell you if the letter has been delivered.

0845 7740740

Good thinking, worth trying that first....

However sod the 0845 - try the free version (if you get free mobile minutes): 01752 387112

[lookingforward]

Re: fedupwiththeworry's UE Diary

Thanks Niddy & Elsie,

Rang the number but "the system" can't tell me if it's been delivered so I'll send it again on Monday via SD.

Is it OK to send a SD to a PO Box by the way ?

[lookingforward]

Re: fedupwiththeworry's UE Diary

Hi everyone, hope you are all well, been quiet around here recently thank goodness. Today however a letter from NCO Europe.

Story so far:

RBS Mint C/C

20.11.10 letter from Westminster Solicitors acting on behalf of RMA threatening legal action.

23.11.10 Threat O Gram letter before action letter to RMA

23.11.10 Threat by lender/dca to commence litigation letter to westminsters


Todays letter from NCO (RMA) states they are in receipt of my letter and the content is duly noted.
As a 3rd party representitive, they can confirm there has been no purchase of the account and therefore they are not in a position to supply a copy of my credit agreement. There is no record in their system notes of any prev requests being rec'd.
To obtain a copy of my credit agreement send a written request along with £1.00 to RBS at the foll address etc etc

In order to ensure full satisfaction in this matter they can advise that the a/c has been placed into a holding status, meaning no further communication written or telephone based will be made until there is satisfaction reached. However should you wish to speak directly we provide a direct contact who will seek to resolve any o/s concerns in this matter (as if ;;L )

We trust the issues have been addressed etc etc.

So that's them fended off then and I asume I ignore

Hi Niddy, this was ignored on your advice and I heard no more until today, when guess who write to me. Bloody Moorcroft who I am beginning to hate with a passion lol.

Anyway abbreviated contents are as follows -

Letter from Moorcroft stating they have been instructed to collect the overdue debt. It is a legal req to send a notice of intended litigation before legal proceedings are issued. They believe this letter fulfils this requirement even if it is not actually read by you. To prevent their recommending to their client that solicitors commence legal proceedings it is essential that I settle this debt without delay. Payment within 7 days or contact made with this office with payment offer etc etc. They draw to my attention if judgement is made for repayment in full and remains unpaid a range of court enforcement options are available and may be considered. They are happy to discuss payment options etc etc.

Advice appreciated as always.

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

Thanks Niddy & Elsie,

Rang the number but "the system" can't tell me if it's been delivered so I'll send it again on Monday via SD.

Is it OK to send a SD to a PO Box by the way ?

Yes, its only stuff from other couriers etc that won't go to a PO box - see this: ---> Royal Mail Help

Most types of mail can be sent to your Royal Mail PO Box but we will not accept mail from other carriers or couriers. Also, any mail that is ‘Do not redirect’ will be returned to the sender.

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

Hi Niddy, this was ignored on your advice and I heard no more until today, when guess who write to me. Bloody Moorcroft who I am beginning to hate with a passion lol.

Advice appreciated as always.

Send this asap: ---> Threat-o-Gram - Letter before Action

[MattyA]

Re: fedupwiththeworry's UE Diary

Send this asap: ---> Threat-o-Gram - Letter before Action

This has worked for me with them on 2 different accounts further to receiving similar letters and Niddys advice,resulting in them handing the file back to their client.
Good luck
Matty

[lookingforward]

Re: fedupwiththeworry's UE Diary

Send this asap: ---> Threat-o-Gram - Letter before Action

Thanks Niddy and Matty,

Presume it's ok to send this the normal way i.e. 1st class recorded ?

[Elsie52]

Re: fedupwiththeworry's UE Diary

Yep, that's what I would do......I always send everything recorded 1st class post.

[lookingforward]

Re: fedupwiththeworry's UE Diary

Yep, that's what I would do......I always send everything recorded 1st class post.

Thanks Elsie

[lookingforward]

Re: fedupwiththeworry's UE Diary

Just send this off now (to Connaught): ---> Threat by Lender/D.C.A - To commence litigation

Rec'd letter from Connaught today stating they are obliged under FOS rules to make available their complaints procedure.

Basically complainants will be asked to put complaint in writing or verbal comments, ack will be sent in 10 days, etc etc and within 4 weeks a final response will be sent out or a reason for a delay in response or after 8 weeks a final response/explain why they still can't make a final response etc etc.

Assume I ignore this

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

Rec'd letter from Connaught today stating they are obliged under FOS rules to make available their complaints procedure.

Basically complainants will be asked to put complaint in writing or verbal comments, ack will be sent in 10 days, etc etc and within 4 weeks a final response will be sent out or a reason for a delay in response or after 8 weeks a final response/explain why they still can't make a final response etc etc.

Assume I ignore this

Yes, ignore.

[lookingforward]

Re: fedupwiththeworry's UE Diary

Yes, ignore.

Cheers Niddy :-)

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

Cheers Niddy :-)

:niddy :niddy

[lookingforward]

Re: fedupwiththeworry's UE Diary

Rec'd letter from Connaught today stating they are obliged under FOS rules to make available their complaints procedure.

Basically complainants will be asked to put complaint in writing or verbal comments, ack will be sent in 10 days, etc etc and within 4 weeks a final response will be sent out or a reason for a delay in response or after 8 weeks a final response/explain why they still can't make a final response etc etc.

Assume I ignore this

This is re MBNA loan/1st credit which is UE.
Today I have recd the following:-

Letter from Connaught as follows: They refer to my letter 17.2.11 (Threat by Lender/D.C.A - To commence litigation ) stating that I may consider the debt to be in dispute but they do not.

1st credit discharged all statutory obligations pursuant to your sect 77 CCA (1974) request prior to the a/c being referred to them. We shall produce evidence in court to support our assertion should legal proceedings prove necessary.

In the circumstances we would suggest you seek urgent legal advice on this issue as you appear to be misinformed as to what constitutes an unenforceable credit agreement.

You have to date been provided with a copy of your loan agreement, a copy of a/c statements and a statement of a/c and your debt therefore is due and payable.

We are not using “bullying tactics” to recover this o/s debt as you have suggested. We are seeking the repayment of an o/s debt which is due and payable, which you appear to be seeking to avoid paying on the basis of some non-existant technicality.

As stated above the agreement is enforceable and should you fail to provide us with a reasonable offer of repayment within 7 days, you may leave us with no other option than to seek to enforce it.


Over to you for advice please Niddy