New and confused

[pooky2483]

Re: New and confused

I can see it now...
Woodentops sue CleverClogs... Niddy counters with Ubenforceability clause - And wins... And in the process, uncovers NEW phonehacking scandal by CAG

[samsmum]

Re: New and confused

CATALOGUE SIMPLY BE
£1300
04/2011
SENDING TOKEN BUT NOT ACCEPTED
ARREARS
RELIABLE COLLECTIONS

09/09/2011 CCA Request sent
23/09/2011 Letter received. Niddy says
03/10/2011 Letter received re home contact 05/09.Ignore
03/10/2011..harassment and threat of doorstep visit letter sent
14/10/2011..Letter from JD Williams accepting account is unenforceable

28/10/2011...Letter from Reliable threat of court action
28/10/2011.. letter received saying my conduct is not acceptable and will not be tolerated
11/11/2011..threat of court action letter received, must pay in 24 hours
25/11/2011.. Letter saying account is being reassigned.May result in court acvtivity or debt collector calling at my home if i dont pay toward debt in 7 days. DO NOT IGNORE
28/11/2011.. Niddy special sent (see post 389)
10/12/2011..Letter titled Residency Confirmed received. Says they've failed to contact us so have undertaken investigations to trace us and confirmed we still live here. The debt will not go away!! Must make immedite payment
04/01/2012..2nd Niddy special sent (see post 567)
21/01/2012.. Letter from Simply Be saying account is being transferred to legal adviors re ccj,warrant of execution by bailiffs or attachment of earnings.If i dont pay in 7 days a solicitor will call at my home. Failure to respond will result in a default on my credit file. Admin charge for each missed payment reminder. DO NOT IGNORE
11/02/2012..list of dca's that may be acquiring my account,rights title and interest in the next 2 weeks
15/02/2012..Letter from Reliable apologising for comments made and stating all collection activity will cease. Account now closed.Thank you so much to Niddy and everyone.
25/03/202...Letter from Fredericksons. Been instructed to collect £1731 immediately

Update Aaarrgghh!!
Does this never go away?? Supposedly been written off. Help please!!

[samsmum]

Re: New and confused

CO-OP LOAN
11/2002
£4900
04/2003
Not paying
arrears
Payments to CO-OP
26/9/11 Termination letter received. Advised to ignore
12/10/11 Account being passed to specialist collections. May default, pass to solicitors etc etc. may negotiate F&f.
13/10/11 CCA request sent
13/10/11 SAR sent
31/10/2011..CCA received Niddy says
03/11/2011..CCA Query Missing prescribed terms
16/11/11..Letter received saying they know i live here and assume i am deliberately avoiding them. Ring to make arrangement or will be passed on for immediate recovery action
16/11/11.. ''SPECIAL OFFER'' letter received offering 50% discount if paid within 10 days
15/12/2011..letter received saying as i'm ignoring them they've made the decision to register the account as in default and pass to a specialist DCA and the Co op will not enter into further discussion regarding the debt
17/12/2011..b/f and closing statement received. interest being added half yearly
18/12/2011.. refusal to accept ue status letter sent
07/01/2012..letter received thanking me for my complaint. Concerns will be investigated by a case handler and outcome sent in writing asap
11/ 01/2012...Letter received from MOORCROFT. Been instructed by Co op. Notice of Intended Litigation
12/01/2012..Threat by creditor..to commence litigation letter sent
20/01/2012..Letter received from Co op stating they have investigated and believe account is enforceable and we are liable, and this is their final response. If we're not happy complain to FOS within six months. Account now with Moorcroft
21/01/2012.. Letter from Moorcroft saying account on hold while they investigate matter with Co op
11/02/2012.. letter from Moorcroft with copy of agreement enclosed. Account on hold for 14 days to allow time to contact them to arrange a repayment plan after which they will commence further action
27/02/2012.. letter from Moorcroft..if i dont contact them following receipt of this letter they may recommend legal action.They go on to tell me a list of court charges
01/03/2012...Letter sent courtesy of Cleverclogs. See post 797
14/03/2012.. letter from Moorcroft saying their clients believe documents sent do meet requirements under setion 78. Go on to explain about Carey v HSBC. Want paying basically
25/03/2012..Letter from Moorcroft. MONTHLY INSTALMENT OFFER. As i haven't contacted them they feel we may not be in a position to clear the account in full.To stop legal proceedings they'll accept £120 per month

Update

[samsmum]

Re: New and confused

PAYDAY LOAN
07/2011
£420
DUE ON FRI 09/09/2011
25/09/2011..First Notice letter received
19/10/2011..Second Notice letter received
17/11/201..E mail received. Tells me i'm a valued customer and they want to help. 26 days to pay or they will consider further action. Cant renew my loan until sorted???
12/12/2011..Email received. 2 days to pay else they'll take it as a refusal to pay and pass to third party. I am however still a valued customer!!
20/12/2011..email received offering me 50% discount if paid by 23rd Dec
29/02/2012..Letter from Mackenzie Hall. Instructed to collect. Payment deadline noon 2nd March. Would prefer amicable settlement but will not hesitate to take further action as appropriate
25/03/2012..Letter from Mackenzie Hall. Coming to assess my doorstep and collect the field or may advise clients to issue a ccj

Update

[swanfan]

Re: New and confused

Update Aaarrgghh!!
Does this never go away?? Supposedly been written off. Help please!!

Or they can't find the cca?

[samsmum]

Re: New and confused

Written off following a Niddy special letter

[swanfan]

Re: New and confused

Written off following a Niddy special letter

Linky to letter/post?

[samsmum]

Re: New and confused

Linky to letter/post?

Posts389 and 567. They're corkers!! Letter received on 15/2 apologising for comments made and stating collections would cease and the matter closed

[swanfan]

Re: New and confused

Posts389 and 567. They're corkers!! Letter received on 15/2 apologising for comments made and stating collections would cease and the matter closed

Yea i just found it, haha!

allaboutFORUMS - View Single Post - New and confused

[pooky2483]

Re: New and confused

25/03/2012..Letter from Mackenzie Hall. Coming to assess my doorstep and collect the field or may advise clients to issue a ccj
Update

Why? Is rain coming in through your front door?
These guys must be as thick as the proverbial 'Two short planks...'

No doubt it's nothing to worry about and to just send a copy of 'UE' as one of the gang will more than likely say...

[Never-In-Doubt]

Re: New and confused

Update Aaarrgghh!!
Does this never go away?? Supposedly been written off. Help please!!

Ok, so do what I said before - copy their last letter apologising for the carry on and send it with a simple one liner to Freds saying "read this, if you contact me once more regards this I will consider legal action against you"

That's it - nothing more, nothing less.

edit - instead, do this: ---> allaboutFORUMS - View Single Post - New and confused

[Never-In-Doubt]

Re: New and confused

PAYDAY LOAN
07/2011
£420
DUE ON FRI 09/09/2011
25/09/2011..First Notice letter received
19/10/2011..Second Notice letter received
17/11/201..E mail received. Tells me i'm a valued customer and they want to help. 26 days to pay or they will consider further action. Cant renew my loan until sorted???
12/12/2011..Email received. 2 days to pay else they'll take it as a refusal to pay and pass to third party. I am however still a valued customer!!
20/12/2011..email received offering me 50% discount if paid by 23rd Dec
29/02/2012..Letter from Mackenzie Hall. Instructed to collect. Payment deadline noon 2nd March. Would prefer amicable settlement but will not hesitate to take further action as appropriate
25/03/2012..Letter from Mackenzie Hall. Coming to assess my doorstep and collect the field or may advise clients to issue a ccj

Update

Just ignore this - you need to stand firm, don't get scared - just ignore em!

[Never-In-Doubt]

Re: New and confused

Ok, so do what I said before - copy their last letter apologising for the carry on and send it with a simple one liner to Freds saying "read this, if you contact me once more regards this I will consider legal action against you"

That's it - nothing more, nothing less.

Actually send this to Freds with a photocopy RC's letter of 15th Feb.

Dear Sirs,

Ref: xxxxxxxx

I write with reference to your letter dated xx/xx/xxxx and would like to point out that you're now harassing me over a closed account. Maybe you're thick, confused or think you're exempt from your duties within the boundaries of the Consumer Credit Act and associated guidelines but let me assure you I am not.

See the attached letter from Reliable Collections confirming this account has been closed. I suggest you therefore update your records to reflect this major change; before this escalates into more formal action ergo costing you several thousands to put right.

I expect a reply within 14 days confirming this matter is closed and that no further harassment will occur.

Yours faithfully,


Sign Digitally

[samsmum]

Re: New and confused

Ok, so do what I said before - copy their last letter apologising for the carry on and send it with a simple one liner to Freds saying "read this, if you contact me once more regards this I will consider legal action against you"

That's it - nothing more, nothing less.

Thanks. I'll get that sent today. When the sun goes in

[Never-In-Doubt]

Re: New and confused

Thanks. I'll get that sent today. When the sun goes in

See above - change of plan!!