lookingforward's UE Diary

[lookingforward]

Re: fedupwiththeworry's UE Diary

Nice to have you back Niddy and thanks to everyone else who assisted whilst you were away, hope you had a great time.

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

Nice to have you back Niddy and thanks to everyone else who assisted whilst you were away, hope you had a great time.

Cheers - nice to be, ermm, back (I think)!

I agree, thanks to all the guys who helped out - was much appreciated

[lookingforward]

Re: fedupwiththeworry's UE Diary

Mint:- Recent history.

Rec'd a letter from Moorcroft stating their client was unable to prove a signed copy of the agreement etc, Niddy advised to send the letter below to Moorcroft:-

Debtors Final Response - CCA Received

Moorcroft then wrote back on the 19.3.11 to say they were returning the a/c to their client and cease any further action with regard to it.

24th Mar Rec'd a letter from Wescot stating they have been instructed to collect the o/s amount on the a/c

I sent a/c sold whilst in default of cca request to Wescot whilst Niddy was on his well deserved Holiday to which Niddy replied :-

As you have a letter confirming no CCA you need to copy it and send it along with one of these ---> CCA Query - Letter Previously Confirming No CCA

As you've probably already sent the other letter, when they reply (which they will do - real soon); just post back and then i'll confirm what you need to send back ok?

Letter from Wescot re my letter saying they have contacted their client who has advised that if you require any further documentation, you need to put in writing to RBSG, insolvency & client support etc Southend. You must include a £1.00 payment for a copy of the Opening Agreement Document and a £10.00 payment for copy statements. You’re a/c is on hold for 30 days in order for you to do this.

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

Letter from Wescot re my letter saying they have contacted their client who has advised that if you require any further documentation, you need to put in writing to RBSG, insolvency & client support etc Southend. You must include a £1.00 payment for a copy of the Opening Agreement Document and a £10.00 payment for copy statements. You’re a/c is on hold for 30 days in order for you to do this.

Muppets do not have a clue lol. Just ignore them for now, when they write back then do as I suggested and photocopy the letter confirming there is no agreement and send it with the template from here. Simples.

[lookingforward]

Re: fedupwiththeworry's UE Diary

Muppets do not have a clue lol. Just ignore them for now, when they write back then do as I suggested and photocopy the letter confirming there is no agreement and send it with the template from here. Simples.

Will do thanks

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

[lookingforward]

Re: fedupwiththeworry's UE Diary

Letter rec'd from Cap one today informing me that the a/c is no longer being dealt with by the DCA who were acting on their behalf. A/C has now been returned to Cap one it is important that I continue to make payments etc etc.

Ignoring

Letter from Fredrickson Intl ltd stating they are instructed by Cap one to collect the debt which is now seriously o/due. I have failed to pay the bal depsite repeated requests for payment, our client now requires payment in full to avoid further action, you must call us imediately etc etc

Should I send the a/c sold whilst in dispute letter ?

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

Letter from Fredrickson Intl ltd stating they are instructed by Cap one to collect the debt which is now seriously o/due. I have failed to pay the bal depsite repeated requests for payment, our client now requires payment in full to avoid further action, you must call us imediately etc etc

Should I send the a/c sold whilst in dispute letter

Send this: ---> Debtors Final Response - CCA Received

[lookingforward]

Re: fedupwiththeworry's UE Diary

Send this: ---> Debtors Final Response - CCA Received

Thx Niddy, in the post today

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

Thx Niddy, in the post today

[lookingforward]

Re: fedupwiththeworry's UE Diary

BOS




Letter from Moorcroft rec’d dated 4.3.11 ack my recent correspondance (must be 28.2.11 letter) assuring me a/c is on hold while they investigate the matter further with their client.

Ignoring as my response as per Niddy above already sent re their letter dated the 3.3.11

The letter sent by me previously was the "enough is enough" letter as they confirmed that their client was unable to provide a signed copy of the agreement.

Today Statement from BOS also stating that if I do not make a payment, thye may take funds I have available in another current or savings a/c I hold with them even if it is a joint a/c

Ignoring this- don't even have any other a/c's with them

[lookingforward]

Re: fedupwiththeworry's UE Diary

This probably crossed with the legal threat you sent, so hold fire - see what happens next ok? Don't worry about it, they did not send a correct agreement as it did not comply with s.18 CCA1974 - see here: ---> Multiple Agreements

This is re MBNA/1st Credit and Connaught who have been rather pro-active in chasing the money so far, not agreeing (of course) that it is UE.

Anyhow latest from them :-

23.4.11 Letter from Connaught offering me various discounts for payments made within certain timescales as and I quote “in times of economic hardship and through maintaining your repayment plan, you have proven to be a valued customer” unquote.

At least they have given me a laugh now - Ignoring

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

The letter sent by me previously was the "enough is enough" letter as they confirmed that their client was unable to provide a signed copy of the agreement.

Today Statement from BOS also stating that if I do not make a payment, thye may take funds I have available in another current or savings a/c I hold with them even if it is a joint a/c

Ignoring this- don't even have any other a/c's with them

Yep, just ignore their threat of right of offset!

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

This is re MBNA/1st Credit and Connaught who have been rather pro-active in chasing the money so far, not agreeing (of course) that it is UE.

Anyhow latest from them :-

23.4.11 Letter from Connaught offering me various discounts for payments made within certain timescales as and I quote “in times of economic hardship and through maintaining your repayment plan, you have proven to be a valued customer” unquote.

At least they have given me a laugh now - Ignoring

Yep, just ignore

[lookingforward]

Re: fedupwiththeworry's UE Diary

Halifax c/c
24.5.10 CCA Request sent
3.6.10. DCA sent letter as the creditor in the matter. They do not hold a copy so are in process of retrieving. Confirm no enforcement action while request is o/s. 15.6.10 Halifax letter rec’d stating they will contact as soon as they can to discuss my concerns in this matter.
10.7.10 Copy of agreement and a statement rec’d. Need to send to Niddy
21.7.10 Chase up for payment letter rec’d.
28.7.10 letter from 10.7.10 emailed to Niddy to check over

9.8.10 Letter rec’d “notice of pending legal action” instructed to prepare court papers etc from HC & CO SOLICITORS – wtg Niddy response


11.8.10 cca query letter sent to CL Finance as per niddy response to 28.7.10 letter.

13.8.10 Threat O Gram letter sent to HC Solicitors

19.8.10 Notice of default sums (£5.00) letter rec’d

25.8.10 Letter rec’d from CL stating they have obliged under their obligations to send details etc. Appears to be new page with my signature too. Ignore re Niddy



Today a Statement rec'd from CL Finance - Ignoring