Malamute UE Diary

[malamute]

Re: Malamute UE Diary

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

Thanks loads - sent it this morning.

[malamute]

Re: Malamute UE Diary

Lloyds Amex credit card - Robway - Feb 2007
Balance £1995 defaulted Jan 2009
August 2011 – Sent CCA Request
August 2011 – Here’s your £1 back – SentCCA 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
Sept 2012 - Letter on Lloyds TSB headed note paper with Wescot address info - giving a list of all payments made since default. - IGNORED

update:

letter from lloyds tsb saying that they are transferring debt to firstsource solutions Uk Ltd (one I've never heard of!)

Next steps??

[ken100464]

Re: Malamute UE Diary

Indian company with worldwide hubs. USA Europe India and Philippines. Lucky you may get a call centre not even in this country. Good for cutting the costs.

They pride themselves in customer management whatever that is.

Seems you onto DCA no 4. Lloyds dont seem to be learning do they.

[malamute]

Re: Malamute UE Diary

Indian company with worldwide hubs. USA Europe India and Philippines. Lucky you may get a call centre not even in this country. Good for cutting the costs.

They pride themselves in customer management whatever that is.

Seems you onto DCA no 4. Lloyds dont seem to be learning do they.

address info on their letter is belfast?! very odd.

with no agreement and only 1900ish i'm thinking ignore??

[ken100464]

Re: Malamute UE Diary

They have an office in Belfast that is correct so its one and the same.

It is an outsourcing outfit. Call centres, back office solutions that sort of thing.

Buried in the website is a bit about debt collection but it doesnt seem to be the bread and butter core work.

If it were me would wait and see what they write you first then advise here.

If new kids on the block they will either be easy for the team to deal with or totally unpredictable.

[malamute]

Re: Malamute UE Diary

They have an office in Belfast that is correct so its one and the same.

It is an outsourcing outfit. Call centres, back office solutions that sort of thing.

Buried in the website is a bit about debt collection but it doesnt seem to be the bread and butter core work.

If it were me would wait and see what they write you first then advise here.

If new kids on the block they will either be easy for the team to deal with or totally unpredictable.

tahnks! will sit and wait :-)

[Pixie]

Re: Malamute UE Diary

Yes, I would wait until they contact you and then (probably) send Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

[malamute]

Re: Malamute UE Diary

First update in a while!!
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!!!! sent Account Sold whilst in Dispute
Jan 2012 Letter from Howard Cohen & Co asking me to pay Lewis by 6th - letter received on 7th!!! - IGNORED
March 2012 - Lewis writes "their client has no record" of my cca request - Sent CCA Request - Final Demandwith a copy of [Sept 2011 - AIC keep £1 and confirm they requesting the CCA from original lender]
March 2012 - Letter from Lewis saying they are in touch with HSBC regarding my CCA request - on hold.
June 2012 - Got Agreement from Lewis blagging for time sent CCA Query - Missing Prescribed Terms

Letter today from Marlin Europe I limited / marlin financial services saying that HSBC sold our account to them.

Waiting for next correspondance from them..........

[malamute]

Re: Malamute UE Diary

Ok letter from marlin today - seems standard "please get in contact within 5 days to arrange payment"

Had an I&E form on the back of the letter too.

What do I send?

Sold whilst in dispute?
Prove it?

Thanks!!

[ScabHunter]

Re: Malamute UE Diary

What do I send?

Sold whilst in dispute?
Prove it?

Thanks!!

I would send the Sold Whilst in Dispute letter, as this is the first contact from a new DCA.

SH

[ken100464]

Re: Malamute UE Diary

Marlin buying more.

Nice big thread on these and egg accounts just purchased.

Seems you missed step one and are on step two already.

Not our favourite DCA for sure.

[The Tech Clerk]

Re: Malamute UE Diary

Marlin buying more.

Nice big thread on these and egg accounts just purchased.

Seems you missed step one and are on step two already.

Not our favourite DCA for sure.

Marlin got the loan for debt purchase from RBS? if so let us all demand repayment + interest of the said loan as we are withdrawing consent to their loan as Shareholders, if banks can renegade on loans to us we can to them? there is an idea>

[malamute]

Re: Malamute UE Diary

Marlin got the loan for debt purchase from RBS? if so let us all demand repayment + interest of the said loan as we are withdrawing consent to their loan as Shareholders, if banks can renegade on loans to us we can to them? there is an idea>

Mine is an HSBC loan :-(

Good idea tho!!

[malamute]

Re: Malamute UE Diary

Marlin buying more.

Nice big thread on these and egg accounts just purchased.

Seems you missed step one and are on step two already.

Not our favourite DCA for sure.

saw this one but bit lost on some of the technical arguments i have to say!

sold in dispute letter being put together now....

[malamute]

Re: Malamute UE Diary

Ok marlin have replied soooo quick!!!!

Letter received today (23rd) from marlin stating that they "do not hold all my info on file and have requested "a statement of account and copy of agreement from the original creditor and they will forward this ion receipt. "

Watch this space!