Malamute UE Diary

[malamute]

Re: Malamute UE Diary

Lloyds visa credit card – Credit Security - pre 2007
Balance - £2874 defaulted Jan 2009
August 2011 - Sent CCA Request
Sept 2011 CCA received -
Blagging it for time - Sent CCA Query - Missing Prescribed Terms
Dec 2011 – New DCA – Moorcroft demand full payment with 3 days notice…..sent Threat by Creditor - To Commence Litigation
Dec 2011 Letter from Moorcroft putting account on hold - sent no response
Jan 2012 - Moorcroft chasing for reason why I think I'm not liable for the account -IGNORED
June 2012 - letter from Lloyds telling me that the account has been passed to iQor - ignored
July 2012 - letter from iQor requesting contact to set up payments or they will start proceedings - sentOur Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation
July 2012 - letter from iQor stating that it is critical that I get in touch to receive a substantial discount for settling my account now - ignored
[COLOR="red"]Sept 2012 - Letter from Gpb Solicitors on behalf of iQor saying they will commence action - Sent Our Templates | Unenforceability Templates | Repeated Threat by Creditor - Enough is Enough Response

Ok So letter from on Lloyds TSB headed paper with a list of payments made since the card account defaulted. On the top right it has iQor's postal address.

Ignore?

Reply with?

[Deepie]

Re: Malamute UE Diary

Ok So letter from on Lloyds TSB headed paper with a list of payments made since the card account defaulted. On the top right it has iQor's postal address.

Ignore?

Reply with?

That's what I would do......................

[malamute]

Re: Malamute UE Diary

That's what I would do......................

Ignore sounds ok with me!

[malamute]

Re: Malamute UE Diary

Update on this lloyds account now.....

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 - IGNORED
Mar 2012 - New DCA!!! Letter from Credit Security Limited on behalf of Wescot demanding payment within 7 days - IGNORED
March 2012 - Letter from CSL demanding immediate payment! - ignored
April 2012 - Letter from CSL offering over 60% discount if paid within 7 days - ignored!

Now I've received a letter from Lloyds on Lloyds headed note paper with Wescot's address info on the top right corner with a list of payments on this account since default.

Weird tactic that lloyds are using methinks.....................

ignoring this one too!

[malamute]

Re: Malamute UE Diary

Here Goes!!

Lloyds visa credit card – Credit Security - pre 2007
Balance - £2874 defaulted Jan 2009
August 2011 - Sent CCA Request
Sept 2011 CCA received -
Blagging it for time - Sent CCA Query - Missing Prescribed Terms
Dec 2011 – New DCA – Moorcroft demand full payment with 3 days notice…..sent Threat by Creditor - To Commence Litigation
Dec 2011 Letter from Moorcroft putting account on hold - sent no response
Jan 2012 - Moorcroft chasing for reason why I think I'm not liable for the account -IGNORED
June 2012 - letter from Lloyds telling me that the account has been passed to iQor - ignored
July 2012 - letter from iQor requesting contact to set up payments or they will start proceedings - sentOur Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation
July 2012 - letter from iQor stating that it is critical that I get in touch to receive a substantial discount for settling my account now - IGNORED
Sept 2012 - Letter from Gpb Solicitors on behalf of iQor saying they will commence action - Sent Our Templates | Unenforceability Templates | Repeated Threat by Creditor - Enough is Enough Response
Sept 2012 - Letter on Lloyds headed note paper containing iQor address at the top listing payments made since default - IGNORED
[COLOR=red]

Letter received today from GPB solicitors on behalf of iQor asking for full payment within seven days.

letter is sated 3rd sept and today is 11th?

not sure what to send???

[Deepie]

Re: Malamute UE Diary

Letter received today from GPB solicitors on behalf of iQor asking for full payment within seven days.

letter is sated 3rd sept and today is 11th?

not sure what to send???

are they threatening anything ?

[malamute]

Re: Malamute UE Diary

are they threatening anything ?

says legal action pending at top and says they have been instructed by iQor to recover the amount due. Says a county court claim may be issued without further warning and then gives a break down of what if court adds on costs on a county court claim.

[Deepie]

Re: Malamute UE Diary

says legal action pending at top and says they have been instructed by iQor to recover the amount due. Says a county court claim may be issued without further warning and then gives a break down of what if court adds on costs on a county court claim.

I would send this if it were me---> Threat by Creditor - Threat-o-Gram Letter Before Action

[malamute]

Re: Malamute UE Diary

I would send this if it were me---> Threat by Creditor - Threat-o-Gram Letter Before Action

Thanks!!!!!

[malamute]

Re: Malamute UE Diary

Thanks!!!!!

I'm right that I need to send this to GPB solicitors?

[Deepie]

Re: Malamute UE Diary

I'm right that I need to send this to GPB solicitors?

yes

[malamute]

Re: Malamute UE Diary

Randomly received letters from Lloyds for each credit card saying that there are new terms - it wouldn't change anything would it???

[MrsD]

Re: Malamute UE Diary

no don't worry, it seemed to be about order of payments credited, doesn't change anything.

[malamute]

Re: Malamute UE Diary

Lloyds visa credit card – Credit Security - pre 2007
Balance - £2874 defaulted Jan 2009
August 2011 - Sent CCA Request
Sept 2011 CCA received -
Blagging it for time - Sent CCA Query - Missing Prescribed Terms
Dec 2011 – New DCA – Moorcroft demand full payment with 3 days notice…..sent Threat by Creditor - To Commence Litigation
Dec 2011 Letter from Moorcroft putting account on hold - sent no response
Jan 2012 - Moorcroft chasing for reason why I think I'm not liable for the account - IGNORED
June 2012 - letter from Lloyds telling me that the account has been passed to iQor - IGNORED
July 2012 - letter from iQor requesting contact to set up payments or they will start proceedings - sent Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation
July 2012 - letter from iQor stating that it is critical that I get in touch to receive a substantial discount for settling my account now - IGNORED
Sept 2012 - Letter from Gpb Solicitors on behalf of iQor saying they will commence action - Sent Our Templates | Unenforceability Templates | Repeated Threat by Creditor - Enough is Enough Response
Sept 2012 - Letter on Lloyds headed note paper containing iQor address at the top listing payments made since default - IGNORED
Sept 2012 - Letter from GPB solicitors - giving me 10 days to make full payment before proceedings - Sent Threat by Creditor - Threat-o-Gram Letter Before Action

Ok so iQor are back.....

They have sent a letter saying they now have no choice but to visit me in person to discuss repayment of this debt.

Balance still stands at £2874......

[Deepie]

Re: Malamute UE Diary

Ok so iQor are back.....

They have sent a letter saying they now have no choice but to visit me in person to discuss repayment of this debt.

Balance still stands at £2874......

I would send this if it were me----> Harassment & Threat of Doorstep-Visit