Malamute UE Diary

[malamute]

Re: Malamute UE Diary

Update 2:

Lloyds Amex credit card - Robway - Feb 2007
Balance £1955 defaulted Jan 2009
August 2011 – Sent CCA Request
August 2011 – Here’s your £1 back – Sent CCA Reminder - Unenforceability Threat
Sept 2011 – "account on hold whilst copy of cca is requested from original lender"
Oct 2011 - "we have not had a response from the lender and will inform you when we do so"
Oct 2011 - Robway send it back to Lloyds
Dec 2011 – New DCA! – Wescot demanding full payment…….sent > Account Sold whilst in Dispute
Dec 2011 Letter from Wescot demanding payment in 10 days - Final Notice - ignored it

Today a letter from Nelson Guest & Partners Solicitors :

An important offer to reduce the amount payable on your debt!!

They offering me a 50% discount (pay £977.71) if paid by 14th Jan. Errrr I don't have 977.71 - BUT i've not yet received an agreement.......

DOORSTEP COLLECTION NOTICE received from wescot today?!?!

What do I do now???

[Deepie]

Re: Malamute UE Diary

DOORSTEP COLLECTION NOTICE received from wescot today?!?!

What do I do now???

Send them this...> Harassment & Threat of Doorstep-Visit

[malamute]

Re: Malamute UE Diary

Send them this...> Harassment & Threat of Doorstep-Visit

Wow!! Thanks for super quick response I'll get that ready tonight!!!

[malamute]

Re: Malamute UE Diary

Right update from Lloyds Visa now!!

The state in their letter that should they not respond to a cca request within 12 days then it is unenforceable which means:

cannot:
make debtor pay before they are supposed to
get a ccj
take anything back (hire purchase)

Can:
ask debtor to pay
send a default notice
pass info to CRAs
pass info to DCA
sell debt
take debt to court

What the letter asks is :

"with the above in mind please provide specific detail of why you believe you may not be liable for this account"

I can upload the whole letter if necessary it is quite a speal!

Thanks in advance.....

So now Moorcroft have sent a whole heap of stuff through. Inc statements - how do I send thins again it's been a while!!

[Deepie]

Re: Malamute UE Diary

So now Moorcroft have sent a whole heap of stuff through. Inc statements - how do I send thins again it's been a while!!

Just ignore that one for now.... see what they send next....

[malamute]

Re: Malamute UE Diary

Just ignore that one for now.... see what they send next....

Is it a usual thing?

Thanks for quick replies - really appreciate it.

[Deepie]

Re: Malamute UE Diary

Is it a usual thing?

Thanks for quick replies - really appreciate it.

usual...... from them...

[malamute]

Re: Malamute UE Diary

usual...... from them...

Just gone through all.

Yup all statements since card opened.

But....... Last page of last statement (10 nov 2008) states:

Balance b/f £3449.78 (my default amount btw)

Charge off acct £2719.70CR
Refund of interest £730.08CR
New Balance £0.00.

???confused???

All that was in the format of a normal statement addressed normally like a statement would have.

[malamute]

Re: Malamute UE Diary

Just gone through all.

Yup all statements since card opened.

But....... Last page of last statement (10 nov 2008) states:

Balance b/f £3449.78 (my default amount btw)

Charge off acct £2719.70CR
Refund of interest £730.08CR
New Balance £0.00.

???confused???

All that was in the format of a normal statement addressed normally like a statement would have.

I looked up a definition for "charge off" and can they chase a debt they have written off??

[MrsD]

Re: Malamute UE Diary

i think they have charged it off on their books in preparation of selling it on, banks get up to all sorts of jiggery porkery to make sure their money is safe.

[malamute]

Re: Malamute UE Diary

i think they have charged it off on their books in preparation of selling it on, banks get up to all sorts of jiggery porkery to make sure their money is safe.

That's fair enough but if they've written it off kinda brings into question the issue of "selling of it" the only reason I say this is because there was a brief period of about a year or more that I was making payments to this debt.

[MrsD]

Re: Malamute UE Diary

they just have to go through some kind of paperwork on their system
they write off some of it, sell it to a DCA for tuppence, DCA chase you for whole amount, its how they operate unfortunately

[malamute]

Re: Malamute UE Diary

Update:

Lloyds Amex credit card - Robway - Feb 2007
Balance £1995 defaulted Jan 2009
August 2011 – Sent CCA Request
August 2011 – Here’s your £1 back – Sent CCA Reminder - Unenforceability Threat
Sept 2011 – "account on hold whilst copy of cca is requested from original lender"
Oct 2011 - "we have not had a response from the lender and will inform you when we do so"
Oct 2011 - Robway send it back to Lloyds
Dec 2011 – New DCA! – Wescot demanding full payment…….sent > Account Sold whilst in Dispute
Dec 2011 Letter from Wescot demanding payment in 10 days - Final Notice - IGNORED
Jan 2012 Letter from Nelson Guest & Partners offering a 50% discount if paid in 10 days...... - IGNORED
February 2012 - Nelson Guest & Partners now want full payment within 10 days - IGNORED
Feb 2012 Doorstep Collection threat - sent Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit
Feb 2012 - Letter from wescot just remind me of account being passed and reminding me to contact them

Letter says that when i took out my contract that it was stated in term and conditions that the account may be passed to a third party to deal - in view of this i am required to contact their offices to discuss repayment. Strangeley this letter is as scary looking as others - no red blocks of text either!!!

IGNORE??

[malamute]

Re: Malamute UE Diary

Update 1:

HSBC Unsecured Loan - AIC - 2006
Balance £21803 defaulted Jan 2009
August 2011 - CCA Requested
Sept 2011 - AIC keep £1 and confirm they requesting the CCA from original lender
Oct 2011 – Random letter mentioned an apparent agreed F&F over the phone?! Ignored
Nov 2011 – Defaulted payment plan – replied with CCA Reminder - Unenforceability Threat
Dec 2011 letter from Metropolitan – a new dca!!! Letter states that Lewis DCA will be in touch in 14days…….
Red letter from lewis making final demand for balance today (letter dated 16th but received on 23rd requesting payment by 23rd!!!!

Today a letter from Howard Cohen & Co asking for a payment to be made to Lewis Debt Recovery by January 6th (received letter today Jan 7th!!!!)

Lewis written to me now saying their client has no record of receiving my cca request?! I sent it to aic AND te cheque was cashed

What do I do now????

[Deepie]

Re: Malamute UE Diary

Lewis written to me now saying their client has no record of receiving my cca request?! I sent it to aic AND te cheque was cashed

What do I do now????

I Would send this ....>.... CCA Request - Final Demand with a copy of the letter you have.....[Sept 2011 - AIC keep £1 and confirm they requesting the CCA from original lender ]