thetinman UE Diary

[Deepie]

Re: thetinman diaries

After sending them the Account Sold whilst in Dispute letter I have received a letter saying they had complied with my section 78 request and that they do not have to send a further copy and await my payment proposal, any ideas what to send in reply, would the cputr 2008 letter be any good or just wait and see what they do next.

If it were me I would see would they do next...........

[thetinman]

Re: thetinman diaries

Capitol One

Type of account. Credit Card

Date commenced. 97


Date last paid. oct 2009

paying. was £1 token payment/not paying now

Status (default)

Account owner. cap 1

cca sent & received, niddy says

Aug 11: sent missing prescribed terms letter to cap 1
Aug 11: capquest letter, our client cap 1 have referred us to manage your account, goes on to say we may visit you or start litigation
sept 11: capquest letter, prior to the start of legal proceedings checks find no ccj at address, please contact us or forward to court.
Sept 11: Account Sold whilst in Dispute letter sent.
Oct 11: Received letter from cap one in answer to missing prescribed terms letter.
NOV 11: Received LBA From capquest sent back Threat by Creditor - Threat-o-Gram Letter Before Action.
Dec 11: letter off capquest, they are closing the account on their system.
July 12: two letters off feds, one saying hello we are collecting for cap one, and then next day letter before action 7 days pay up or else
July 12: sent Account Sold whilst in Dispute letter.
July 12: received letter saying they had complied with section 78 request.

After sending them the Account Sold whilst in Dispute letter I have received a letter saying they had complied with my section 78 request and that they do not have to send a further copy and await my payment proposal, any ideas what to send in reply, would the cputr 2008 letter be any good or just wait and see what they do next.

[thetinman]

Re: thetinman diaries

That's the one I would send.............. Link---------> Account Sold whilst in Dispute

Thanks in 2 deep will get it sent off now

[Deepie]

Re: thetinman diaries

this one had gone very quiet than two letters in two days off feds, one saying hello we are collecting for cap one, and then next day another letter saying, letter before action 7 days pay up or else, I am thinking of sending the account sold while in dispute letter but thought I would check with you guys just to make sure if I should be sending something else instead.

That's the one I would send.............. Link---------> Account Sold whilst in Dispute

[thetinman]

Re: thetinman diaries

Capitol One

Type of account. Credit Card

Date commenced. 97


Date last paid. oct 2009

paying. was £1 token payment/not paying now

Status (default)

Account owner. cap 1

cca sent & received, niddy says

Aug 11: sent missing prescribed terms letter to cap 1
Aug 11: capquest letter, our client cap 1 have referred us to manage your account, goes on to say we may visit you or start litigation
sept 11: capquest letter, prior to the start of legal proceedings checks find no ccj at address, please contact us or forward to court.
Sept 11: Account Sold whilst in Dispute letter sent.
Oct 11: Received letter from cap one in answer to missing prescribed terms letter.
NOV 11: Received LBA From capquest sent back Threat by Creditor - Threat-o-Gram Letter Before Action.
Dec 11: letter off capquest, they are closing the account on their system.
July 12: two letters off feds, one saying hello we are collecting for cap one, and then next day letter before action 7 days pay up or else

this one had gone very quiet than two letters in two days off feds, one saying hello we are collecting for cap one, and then next day another letter saying, letter before action 7 days pay up or else, I am thinking of sending the account sold while in dispute letter but thought I would check with you guys just to make sure if I should be sending something else instead.

[thetinman]

Re: thetinman diaries

Barclaycard 1

Type of account (credit card)

Date commenced. 2001

Approx balance. 9000

Date last paid. oct 2009

paying. was £1 token payment/ not paying now

Status (default)

Account owner. barclaycard

Aug 11: cca sent, letter sent back saying will send soon
Dec 11: Big red default notice off mercers.
Jan 12: letter off Barclays Account sold, send payment to link.
Feb 12: letter from link you have missed payments please pay
Feb 12: sent sold while in dispute letter.

received letter from link with cca, have sent to niddy for advice.

[Deepie]

Re: thetinman diaries

ok thanks i2d I will wait and see what they send next, what about the littlewoods account, do I send the solicitors anything like account sold in dispute or wait and see what they send next, first time I have had a letter off a solicitor about any of my debt, but I bet it wont be the last.

I Would if it was me ....... account sold

[thetinman]

Re: thetinman diaries

Default notice are not usually red....

ok thanks i2d I will wait and see what they send next, what about the littlewoods account, do I send the solicitors anything like account sold in dispute or wait and see what they send next, first time I have had a letter off a solicitor about any of my debt, but I bet it wont be the last.

[Deepie]

Re: thetinman diaries

been sent a letter from link saying default notice served under section 87(1) of the consumer credit act 1974, and if i don't pay there intended action is to terminate the account and demand full payment and to commence court proceedings.
already had a big red default notice off mercers, do I tell them this or just forget it.

Default notice are not usually red....

[thetinman]

Re: thetinman diaries

Barclaycard 2

Type of account (credit card)

Date commenced. 2001

Approx balance. 8500

Date last paid. oct 2009

paying. was £1 token payment/not paying now

Status (default)

Account owner. barclaycard

cca sent, letter sent back saying will send soon
Oct 11: received cca .
Oct 11: sent t&c received letter.
Dec 11: Big red default notice off mercers
Jan 12: letter from Barclays account sold pay link.
Feb 12: letter from link you have missed payments please pay
Feb 12: sent sold while in dispute letter.

been sent a letter from link saying default notice served under section 87(1) of the consumer credit act 1974, and if i don't pay there intended action is to terminate the account and demand full payment and to commence court proceedings.
already had a big red default notice off mercers, do I tell them this or just forget it.

[thetinman]

Re: thetinman diaries

Littlewoods

Type of account (mail order cat)

Date commenced. 97

Approx balance. 3,000

Date last paid. oct 2009

Not paying

Status (in arrears)

Account owner. shop direct

cca sent, letter sent back saying no cca but please keep paying

Sept 11: cca received
Sept 11: Final Response - Unenforceability (General) sent
dec 11: default notice .
Feb 12: sold account to arrow global
Feb 12: letter asking for payment from Fredrickson
Feb 12: sent letter to Freds CCA Query - Letter Previously Confirming No CCA
Mar 12: received letter from Freds
April 12: received letter from Freds about home visit.
April 12: sending them Harassment & Threat of Doorstep-Visit

received a letter from solicitors saying they have been appointed to act on behalf of their client and ask me to get in touch.
any ideas what to send them or just wait.

[Deepie]

Re: thetinman diaries

Received a letter from Freds ( I will give you the short version ) saying further to your request for a copy of your credit agreement, our client is unable to produce a copy , but our client believes that the balance remains due and please tell us within the next 14 days how you propose to discharge your liability.
do I need to send anything back to them.

just ignore.............

[thetinman]

Re: thetinman diaries

Littlewoods

Type of account (mail order cat)

Date commenced. 97

Approx balance. 3,000

Date last paid. oct 2009

Not paying

Status (in arrears)

Account owner. shop direct

cca sent, letter sent back saying no cca but please keep paying

Sept 11: cca received
Sept 11: Final Response - Unenforceability (General) sent
dec 11: default notice .
Feb 12: sold account to arrow global
Feb 12: letter asking for payment from Fredrickson
Feb 12: sent letter to Freds CCA Query - Letter Previously Confirming No CCA
Mar 12: received letter from Freds

Received a letter from Freds ( I will give you the short version ) saying further to your request for a copy of your credit agreement, our client is unable to produce a copy , but our client believes that the balance remains due and please tell us within the next 14 days how you propose to discharge your liability.
do I need to send anything back to them.

[Deepie]

Re: thetinman diaries

Hi all link have now wrote saying no payment received last month please pay now, do I send them account sold while in dispute or wait.

Account Sold whilst in Dispute.........< yes send that

Another account sold on I dont think the banks love me any more, do I send account sold in dispute or do i send letter confirming no cca, but they did send a cca but niddy said it changed nothing because it could have been for any other agreement like a buy now pay later, so I am a little unsure what to send.

Send this with a copy of letter you have ......> CCA Query - Letter Previously Confirming No CCA

[thetinman]

Re: thetinman diaries

Littlewoods

Type of account (mail order cat)

Date commenced. 97

Approx balance. 3,000

Date last paid. oct 2009

Not paying

Status (in arrears)

Account owner. shop direct

cca sent, letter sent back saying no cca but please keep paying

Sept 11: cca received
Sept 11: Final Response - Unenforceability (General) sent
dec 11: default notice .
Feb 12: sold account to arrow global
Feb 12: letter asking for payment from Fredrickson

Another account sold on I dont think the banks love me any more, do I send account sold in dispute or do i send letter confirming no cca, but they did send a cca but niddy said it changed nothing because it could have been for any other agreement like a buy now pay later, so I am a little unsure what to send.