New and confused

[Deepie]

Re: New and confused

UPDATE

I Would just ignore ....not worth it for that amount .....

[samsmum]

Re: New and confused

MBNA C/C
09/09
£490
04/2003
Not Paying
Arrears
Debtclear recoveries(from yesterday)

09/09/2011 CCA Request sent
02/10/2011 'CCA' received. Niddy says
03/10/1011 CCA Request, Application form received letter sent

19/01/2012.. Letter received saying account has been assigned to Arrow Global Guernsey Ltd. I should continue to make payments!!
20/01/2012... notice of assignment from Global. Account now managed by Westcott
24/03/2012..Letter from Moorcroft. They have been instructed by Arrow Global to collect debt. Legal requirement to send notice of intended litigation even if i dont read it. Goes on about a claim may be issued without further notice etc. Happy to accept payment plan i can afford etc
29/03/2012...Threatogram...letter before action sent
02/04/2012...Letter from Moorcroft .Possible Litigation.List of charges etc.Still possible to avoid by setting up affordable repayment plan
07/04/2012..Letter from Moorcroft..Thanks for requesting CCA. Need to pay £1.WHAT?????
20/04/2012.. Letter from Moorcroft. As i've not been in touch they feel i may not be in a position to clear the account in full. In order to stop recommending clients take legal action they are prepared to accept £40 a month. Please contact one of our trained advisors????

UPDATE

[CleverClogs (RIP)]

Re: New and confused

Or how about these, from Reliable Collections and the crappy catalogues, Ambrose Wilson, JD Williams,Fashion World or Simply be to name a few...

They're Dutch.

[pooky2483]

Re: New and confused

Royal Mail. Never heard of UK Post. Is that a trick question?? You know i'm easily confused:-)

Or how about these, from Reliable Collections and the crappy catalogues, Ambrose Wilson, JD Williams,Fashion World or Simply be to name a few...

[CleverClogs (RIP)]

Re: New and confused

maybe meant UKMail.....

That's the varmints.

[CleverClogs (RIP)]

Re: New and confused

Update. How should i respond to this please with it being an overdraft and saying WILL not MAY take action.

I suspect it will require a special letter, although it is quite possible that Freds won't have a clue about the recent changes to the CCA.

[samsmum]

Re: New and confused

Cheers Niddy. Will get that sorted and sent now

[Never-In-Doubt]

Re: New and confused

Yes £800...well £870 now. No haven't cca'd them as yet.

Definitely Royal Mail delivered my letters

See this, send the CCA Request from post 1 off

---> Overdrafts - CCA Information - allaboutFORUMS

[samsmum]

Re: New and confused

it's £800 debt isn't it?

Have you done a cca request before?

* yes I know its a bank account, but still - have you?

Yes £800...well £870 now. No haven't cca'd them as yet.

Definitely Royal Mail delivered my letters

[Never-In-Doubt]

Re: New and confused

Royal Mail. Never heard of UK Post. Is that a trick question?? You know i'm easily confused:-)

maybe meant UKMail.....

[Never-In-Doubt]

Re: New and confused

Update. How should i respond to this please with it being an overdraft and saying WILL not MAY take action. Thanks

it's £800 debt isn't it?

Have you done a cca request before?

* yes I know its a bank account, but still - have you?

[samsmum]

Re: New and confused

Royal Mail. Never heard of UK Post. Is that a trick question?? You know i'm easily confused:-)

[CleverClogs (RIP)]

Re: New and confused

UPDATE. ..RE:Capital One, balance £123...Big yellow card from Fred's stating i am confimed as resident following trace enquiries. Pay now or may pass account to solicitors without further notice

How was it sent - by Royal Mail or UK Post?

[samsmum]

Re: New and confused

OVERDRAFT with Nationwide B/S
2008
£800
NOT PAYING
Last interest paid 06/08/2011 now changed bank acc
13/12/2011..Letter received. Pay up or will register a default notice'and instruct KPR to collect and could commence legal action
04/01/2012..Default notice issued on 31/12/2011. Balance £841
24/01/2012..Pre-debt collection notice received. If i dont pay as required by DN they will instruct KPR to recover full balance.Could involve legal action. KPR is the business name of Nationwide
17/02/2012..Letter from KPR. Formal Demand for Payment. Nationwide have passed the account over to recover debt.Committed to being fair and reasonable so contact to make arrangement to pay. Nationwide is considering ccj or decree. Would then enforce the judgement by charging order,attachment of earnings etc.alternatively account may be passed to external debt collectors
02/03/2012..letter from KPR. Offering me the opportunity to pay a significantly reduced one off discounted sum.Benefits .. no CCJ,no legal costs,will improve future credit rating and account will be closed and remaining balance written off. To take advantage ring immediately to discuss what discount is available. Offer only open for 7 days.
16/03 2012...Letter from KPR. I've failed to respond and they cannot allow this to continue. My debt has now become a priority. Must call within 7 days to make an acceptable offer to pay
12/04/2012... Letter from Fredericksons to say account has been passed to them Balance £880
19/04/2012...Letter from Freds. Letter before action. Must pay in 7 days or they will take immediate action.List of court fees etc.

Update. How should i respond to this please with it being an overdraft and saying WILL not MAY take action. Thanks

[samsmum]

Re: New and confused

UPDATE. ..RE:Capital One, balance £123...Big yellow card from Fred's stating i am confimed as resident following trace enquiries. Pay now or may pass account to solicitors without further notice