Malamute UE Diary

[malamute]

Re: Malamute UE Diary

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 ]

Ah!! Ok all photocopied and ready for the post!

Thanks.....is a delay tactic??

[Never-In-Doubt]

Re: Malamute UE Diary

Not delay tactic, no. Part of paper-trail showing you're better than they are.

[malamute]

Re: Malamute UE Diary

yep a debt trace lasts 2yrs - not a lot you can do, if you do have an account that is relevant to that search, you have to bite the bullet I'm afraid.....

If it aint yours, then complain to the data processor (CRA) direct - NOT the data controller (Creditor).

I've noticed on the "footprint" on this that they've provided the wrong date of birth but still been allowed to see report and leave a mark?

Search purposeebt Collection Search reference:{F1F75A33-F1DB-43FC-BD6D-E913504F59DB}
Search organisation:Moorcroft Debt Recovery (CT, SR ,CT BATCH)
Search organisation type:Moorcroft Debt Recovery BSB (SR)
Name:MR BLAH BLAH
Address:CORRECT ADDRESS
Date of birth:23/03/2001 - WRONG!!!!
Search date:13/12/2011
Search purpose:Debt Collection

Is it worth the effort?? I would have thought that to "hit" a credit report you'd have to have the correct info - so in this case who would be at fault.

But like I said is it worth arguing with it? Moorcroft are the dca on our lloyds credit card.

[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 – 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


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]

Updates!!!

Lewis saying that when they bought they accounting dec they weren't aware of an outstanding complaint - and have forwarded letter to HSBC for their instructions and will advise - will not respond to this and file it.

New DCA for Lloyds Amex - Credit Security Limited - weird really cos they sold it to robway in 2011!!!! But CSL are saying that their client is westcot credit services????? - what should i reply to this ??

[Deepie]

Re: Malamute UE Diary

Updates!!!

Lewis saying that when they bought they accounting dec they weren't aware of an outstanding complaint - and have forwarded letter to HSBC for their instructions and will advise - will not respond to this and file it.

New DCA for Lloyds Amex - Credit Security Limited - weird really cos they sold it to robway in 2011!!!! But CSL are saying that their client is westcot credit services????? - what should i reply to this ??

Just ignore for now............

[malamute]

Re: Malamute UE Diary

Just ignore for now............

Will do!!

[malamute]

Re: Malamute UE Diary

Ok - got a REALLY rude letter from Credit Security Limited (lloyds amex) on behalf of wescot!!

"we DEMAND that the sum stated be sent to this office IMMEDIATELY using the slip below.
Your failure to comply could result in a DEBT COLLECTOR calling upon you for payment."

How rude to shout at me!!

What letter dfo i sent cos rob way didn't gimme the cca and sold it to wescot !

[Deepie]

Re: Malamute UE Diary

Ok - got a REALLY rude letter from Credit Security Limited (lloyds amex) on behalf of wescot!!

"we DEMAND that the sum stated be sent to this office IMMEDIATELY using the slip below.
Your failure to comply could result in a DEBT COLLECTOR calling upon you for payment."

How rude to shout at me!!

What letter dfo i sent cos rob way didn't gimme the cca and sold it to wescot !

I wouldn't waste a stamp on them ......

[malamute]

Re: Malamute UE Diary

I wouldn't waste a stamp on them ......

especially now they going to cost 60p each !!

thanks for speedy reply - i'll ignore it

[malamute]

Re: Malamute UE Diary

Got a pink letter from credit security re Lloyds Amex - offering me a 60% discount - going to ignore

[malamute]

Re: Malamute UE Diary

I thought I’d update my diary – I hope in some way it shows any new people that they are in the right place and all guidance is worth taking!
I’ve 26 months until my first account is statute barred and our first default is 6 years old.

Lloyds visa credit card – pre 2007
Balance - £2874 defaulted Jan 2009
August 2011 - Sent CCA Request Sept 2011 CCA received - ENFORCEABLE
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


Lloyds Amex credit card - 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!


HSBC Unsecured Loan - 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 Demand with 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.


Capital One Visa Card - Pre 2007
Balance – 822 defaulted Jan 2009
August 2011 - CCA requested
Sept 2011 - return £1 and requested CCA from original lender
Sept 2011 - "original lender is experiencing a delay in obtaining information from their archives......hope to send the information to you shortly"
Oct 2011 - "cannot locate agreement - account remains on hold


Barclaycard Visa – 2006/7
Balance – 6085 never defaulted credit file just shows later maker of 6 since May 2008! – Not heard from Mercers since May 2008.


Capital One Mastercard - Lowells - March 2004
Balance - 5567 defaulted April 2008
August 2011 – Sent CCA Request
Sept 2011 - return £1 and confirmed that CCA has been requested
Sept 2011 - Letter from Lowells - No CCA located yet - "we won't write to you again until we have the agreement"
Oct 11 - Lowells close account
Nov 11 - Balance written off by lowells!!!
Dec 2011 account fully disappeared from credit file!!!!

All the above are receiving no ££!!

[malamute]

Re: Malamute UE Diary

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.

well - the agreement had arrived...... sent it for checking

[Never-In-Doubt]

Re: Malamute UE Diary

HSBC Unsecured Loan - AIC - 2006

well - the agreement had arrived...... sent it for checking

Unfortunately this was just too-new and is enforceable. All the PT's are present with a good CCA to boot.

Sorry



You can blag this and see what happens, or make arrangements to pay - it's totally up to you...

If you want to blag it respond as follows ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

[malamute]

Re: Malamute UE Diary

Unfortunately this was just too-new and is enforceable. All the PT's are present with a good CCA to boot.

Sorry



You can blag this and see what happens, or make arrangements to pay - it's totally up to you...

If you want to blag it respond as follows ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

Thanks loads for checking it.

Strategywise - Given its size and the dca is Lewis does anyone fancy my chances at blagging this. I've 25 months until the default comes off (if that makes any difference)?

Worried repayments expected will be huge.

[Never-In-Doubt]

Re: Malamute UE Diary

Thanks loads for checking it.

Strategywise - Given its size and the dca is Lewis does anyone fancy my chances at blagging this. I've 25 months until the default comes off (if that makes any difference)?

Worried repayments expected will be huge.

how long till SB though? ie when did you last pay into this...?

If it was me, i'd blag it for now and see what they send next.... easy to back out and make an offer of repayment if that is something you feel you need to do...