Marlings UE diary

[Deepie]

Re: Marlings UE diary

NO..... just ignore see what they do next..

[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 they 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
9/1/12 wescot - notice of debt collection
20/1/12 wescot - final notice

letter from wescot - final notice etc

[Deepie]

Re: Marlings UE diary

letter from wescot - final notice etc

I Would send this > Account Sold whilst in Dispute

[Deepie]

Re: Marlings UE diary

letter from wescot - final notice etc

Are you still paying the £ 5.00 per month on this..?

[marling]

Re: Marlings UE diary

(3) Amex credit card

start : not sure / pre 2007
bal : £5000
last full : may 2008
present : not paying
status : cancellation (have letter)
dca : moorcroft

2008
july rma - referred
sept rma - 50% settlement
2010
jan rma - collection
feb rma - removal threat
apr rma - removal threat
dec rma - bankruptcy threat
2011
jan rma - bankruptcy threat
feb moorcroft - intend litigation
apr moorcroft - intended litigation
may morrcroft - discount offer
1/9/11 cca request sent
8/9/11 moorcroft - can i provide info i will be relying on in court.
13/12/11 /////////

letter from moorcroft - possible litigation, asking me to contact them to agree payments.
also getting 4 calls a day on my mobile off them, leaving blank messages, also texts to contact them.

[marling]

Re: Marlings UE diary

Are you still paying the £ 5.00 per month on this..?

no, not paying anyone at all at the moment

[Deepie]

Re: Marlings UE diary

letter from moorcroft - possible litigation, asking me to contact them to agree payments.
also getting 4 calls a day on my mobile off them, leaving blank messages, also texts to contact them.

I Would send this > Threat by Creditor - Threat-o-Gram Letter Before Action

[marling]

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

eggs letter of the 12/1/12 states

we have to inform you that as we are no longer the owner of your account, and no longer have a contractual rellationship with you, we no longer have a duty under section 77 (1) cca to provide an executed copy of the agreement to you. our obligation to provide this information ended with the assignment of your debt to ARROW.
please write to aarow who is administering your account on behalf of CARVAL.

[marling]

Re: Marlings UE diary

I Would send this > Threat by Creditor - Threat-o-Gram Letter Before Action

thanks in2deep

[mauijim]

Re: Marlings UE diary

eggs letter of the 12/1/12 states

we have to inform you that as we are no longer the owner of your account, and no longer have a contractual rellationship with you, we no longer have a duty under section 77 (1) cca to provide an executed copy of the agreement to you. our obligation to provide this information ended with the assignment of your debt to ARROW.
please write to aarow who is administering your account on behalf of CARVAL.

When I read this type of reply from a DCA it always reminds me of my dear old Gran. "Do you remember Joan's sister's cousin, well she knew Harold and he lived by Archie. Well I saw his son's girlfriend and she asked how you were?" I've usually lost the will to live before we get beyond Joan's sister

[garlok]

Re: Marlings UE diary

eggs letter of the 12/1/12 states

we have to inform you that as we are no longer the owner of your account, and no longer have a contractual rellationship with you, we no longer have a duty under section 77 (1) cca to provide an executed copy of the agreement to you. our obligation to provide this information ended with the assignment of your debt to ARROW.
please write to aarow who is administering your account on behalf of CARVAL.

Hi Marling,

This is a little misleading, but it does serve as a Notice of Assignment. These have no formal prescribed formats unfortunately. However Egg have told you clearly that the assignee in this case is Arrow. As far as Egg and yourself are concerned it is Arrow who are the owners. I don't know "CARVAL", perhaps someone else will be along to throw light. Probably just another trading name in Arrow Global's portfolio.

The crux of the matter however is really to wait and see what direction Arrow want to take this. They are now fully responsible in law for all of the obligations placed upon Egg by the alleged agreement, regardless of how they may want to wriggle. If and when they make contact in writing then I would send immediately this:-

>Account Sold whilst in Dispute

There is a discussion going on as to how to follow up on this but this at least provides the debt purchaser with knowledge of what is going on.

regards
Garlok

[marling]

Re: Marlings UE diary

acct#7 egg loan
cca sent from arrow global
emailed to niddy

[marling]

Re: Marlings UE diary

a letter from ruthbridge limited asking me to call them,
never heard of them before and doesn't state which account their chasing.
IGNORED

[marling]

Re: Marlings UE diary

acct#7 egg loan
cca sent from arrow global
emailed to niddy

[Never-In-Doubt]

Re: Marlings UE diary

See what they say - just sit tight (or send the missing PT's template and try and blag it).....