Marlings UE diary

[oscar]

Re: Marlings UE diary

I think I would be ignoring marling.

As you say, you have proof of the original CCA request, and you are under no obligation to discuss (phone or letter) the matter with them - you have told them there is a dispute and that is sufficient.

I am having similar issues with Westcot / Natwest.

Natwest have told me they will no longer enter into communications, Westcot keep telling me I need to write to Natwest for a copy of my CCA (what they provided before was bullshit). I am also having Nelsons write to me, who I am also ignoring.

[marling]

Re: Marlings UE diary

If you get a result from the Post Office without having to wait a few weeks please let me know as they tend to use forms to check any cashed PO.
GM

hi greymatter
didnt get chance to go today(monday), but will be going this afternoon and will report back.
all the best
marling

[marling]

Re: Marlings UE diary

I think I would be ignoring marling.

As you say, you have proof of the original CCA request, and you are under no obligation to discuss (phone or letter) the matter with them - you have told them there is a dispute and that is sufficient.

I am having similar issues with Westcot / Natwest.

Natwest have told me they will no longer enter into communications, Westcot keep telling me I need to write to Natwest for a copy of my CCA (what they provided before was bullshit). I am also having Nelsons write to me, who I am also ignoring.

hi oscar
ok will do thanks for info, filed already
hopefully will have proof postal order was cashed later.

[marling]

Re: Marlings UE diary

(4) Egg credit card

start : sept 2001
bal : £4000
last full : may 2008
present : £5 online payment
status : default(have letter) / have original agreement
dca : dlc

2009
feb egg - cccs default
2010
jan dlc - land registery enq
feb dlc - referred
oct dlc - in arrears
oct aplins - instructed by egg
made token £1's during year
2011
may dlc - made £5 pm offer
aug dlc - failed to pay
1/9/11 cca request sent
27/9/11 hillesden acct closed - re send cca to egg
12/12/11 cca sent to aic

letter form AIC : final notice of intent
due to failure to contact(sent cca request 12/12/11) etc etc our client has authorised us to consider proceedings against you.

ignore ?

[MrsD]

Re: Marlings UE diary

AIC are diddies, I would do a wee politeish letter reminding them you sent them a letter on 12/12

[garlok]

Re: Marlings UE diary

AIC of their own accord cannot issue proceedings. They are only DCAs not practising solicitors and cannot act under "instruction" and hence as collection agents only of the OC they have no cause of action to issue proceedings. They can only act in CONJUNCTION with the OC and their legal representatives.

regards
Garlok

[CleverClogs (RIP)]

Re: Marlings UE diary

letter from AIC ... "our client has authorised us to consider proceedings against you."

Did they have to get permission to think, or does that require the services of a specialist?

[marling]

Re: Marlings UE diary

AIC of their own accord cannot issue proceedings. They are only DCAs not practising solicitors and cannot act under "instruction" and hence as collection agents only of the OC they have no cause of action to issue proceedings. They can only act in CONJUNCTION with the OC and their legal representatives.

regards
Garlok

hi garlok
many thanks for that have learned something i didnt know there

[marling]

Re: Marlings UE diary

If you get a result from the Post Office without having to wait a few weeks please let me know as they tend to use forms to check any cashed PO.
GM

hi greymatter
yes unsuccesfull, lady at counter gave me an 0845 number and they said you have to write to them to find if cashed or not, suprised their isn't an online checking site to be honest

[marling]

Re: Marlings UE diary

(2) Lloyds credit card
started off as an easymoney card then taken over by lloyds.

start : not sure / pre 2007
bal : £6000
last full : may 2008
present : £5 door colection
status : default(have letter)
dca : moorcroft

2008
oct sechiari clark mitchell - court proceedings
dec mha collections - referred
2010
mar wescot - instructed
apr wescot - final notice
apr wescot - 50% discount
oct hl legal collect - instructed by apex credit
2011
apr midas credit - litigation / part of moocroft
1/9/11 cca request sent
sept moorcroft - re send cca request signed
15/9/11 re sent cca - with demand sig
19/11/11 recieved cca
26/9/11 forwarded to clients - will re chase debt
5/11/11 moorcroft - saying lloyds have given me information - nothing recieved by me.
3/1/12 moorcroft - auditors asking me to agree by balance and last payments paid

letter from wescot
notice of debt collection, i must contact them blah, blah, blah
ignore or letter ?
cheers marling

[Never-In-Doubt]

Re: Marlings UE diary

Ignore

[marling]

Re: Marlings UE diary

Ignore

cheers

[marling]

Re: Marlings UE diary

(7) Egg loan

start : not sure / pre 2007
bal : £6500
last full : may 2008
present : £5 online payment
status : unsure of situ
dca : dlc

2009
feb egg - cccs default
2010
feb dlc - referred
feb dlc - land registery enq
mar dlc - court claim/ visit threat
2011
may dlc - £5 pm offer
june arrow global - assignment
june britanica recoveries
aug - failed to pay
1/9/11 cca request sent
20/9/11 dlc - reduce the balance offer
27/9/11 hillesden acct closed - re send cca to egg
12/12/11 cca request sent to egg
22/12/11 arrow letter re recieving cca request, they will request documents from egg

lol, here we go,
letter form egg returning my £1 post order, informing me that they are no longer the owner of my account and i should send it to arrow global with the £1.
arrow global had written to me on 22/12/11 stating the do not accept they are the creditor but will assist me in getting request from egg.
nobody wants to seem to accept my cca request ??
just wait see what happens yeah ?

[garlok]

Re: Marlings UE diary

If you have any Notice of Assignment in Absolute from either party to the sale then you may demand that the current owner honour their obligations under the Act which are all of the responsibilites and liabilities under the agreement which they are alleging exists. I normally now send a rather sharply worded modification of the template letter to any new debt purchaser, just to let them know that I am one of those who is NOT going to just roll over at their behest and pay up.

Remember there is no prescribed format to a NoA and it can just be a few lines in any of the letters from either party.

regards
Garlok

[marling]

Re: Marlings UE diary

(6) Capital one credit card

start : not sure / pre 2007
bal : £1800
last full : may 2008
present : not paying
status : default(have letter)
dca : dlc

2008
dec cap1 - cccs default
2009
jan fpc debt - contact
sept capquest - referred
sept hl legal solic - court threat / capquest
oct capquest - start litigation
nov capquest - letter before action
2010
jan capquest - visit threat
jan scotcall - visit threat
mar scotcall - final notice
apr cap1 - return of account
dec cap1 - sold acct to hillesden
2011
jan dlc - referred
feb dlc - notice of sum
feb aplins solic - instructed by hillseden
feb dlc - notice of debt recovery
aug dlc - notice of sum
1/9/11 cca request sent
sept dlc - annual statement

letter form hillesden securities stating they are following up my request with the original lender, they will update me in 21 days.
my cca request to them was sent on the 1/9/11 some 4 1/2 months ago.
should i be sending any letter ?
also had a letter from mercantile data bureau offering me 50% discount.
thanks in advance marling