New and confused

[samsmum]

Re: New and confused

CO-OP LOAN
11/2002
£4900
04/2003
Not paying
arrears
Payments to CO-OP
Default date:15/12/2011
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
26/03/2012..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
27/03/2012..CREDITOR REFUAL TO ACCEPT UE STATUS LETTER SENT
18/04/2012...Letter received from Midas Credit Services. Litigation Warning.Part of the Moorcroft group and aware we've failed to pay.Reviewing account prior to possibly recommending legal action by external solicitors.
18/04/2012.. Enough is enough letter sent
24/04/2012..Letter from Moorcroft. Account on hold while they refer back to Co op
16/05/2012..Letter from Moorcroft.As we have complied with original request the hold on account has now been removed.Need to discuss repayments
25/06/2012..Letter from Moorcroft.. Possible Litigation.Pay before 29/06 or may recommend legal action
04/07/2012..Letter from Moorcroft..They undersand we're having financial difficulties (no shit Sherlock!!) Please complete I&E form so they can assist or contact CCCS.
07/07/2012..final response UE (CCA Received letter sent)
16/07/2012..Letter from Moorcroft. Clients believe documents meet requirements and balance remains payable. Will not be sending any further documents as meets requirements of section 78
15/08/2012..Letter from Midas Credit Services. We are part of Moorcroft Group. You have failed to reach a repayment agreement. We are now considering recommending legal action by external solicitors
17/08/2012...Threat by creditor to commence litigation letter sent
25/08/2012...Letter from Moorcroft. CCA has been provided in terms with Consumer Credit Act 2006.Account placed on temporary hold to allow time to make arrangement to pay an amount i can afford and maintain
30/08/2012....Letter from Moorcroft. Account now being passed to home collections. Aware of difficulties many customers are now experiencing so offering a discount of up to 25%. Greater discounts may be available depending on circumstances. Reply within 7 days etc etc...
27/10 2012..letter from Co op saying account has been passed to Equidebt
02/11/2012...letter from Equidebt.Still time to resolve this without further action. Reply in 7 days or may send doorstep agent to discuss our financial situation
05/11/2012..Sold in dispute and doorstep letter sent
10/12/2012.. Letter from Equidebt. You have failed to respond. Can no longer be regarded as an oversight as you have had ample opportunity to repay this debt.
1)Send us a one off payment or £207 and the balance over a period of time to suit your circumstances.
2)Make a f&f payment of £4149
3)Enter into a monthly arrangement
28/11/2012...Letter from Equidebt.We confirm we were unaware of your ongoing dispute regarding your CCA request. Sent for copies. Account on hold in the meantime
16/05/2013...Letter from Lowell. Debt has now been passed to them. Really important to pay back what we owe. Obtaining copy of credit file to see if we have assets such as our own home or other credit commitments. Could take us to court for judgement,could make us bankrupt if we owe more than £750. Lots of could do,may do's
18/05/2012...Sold in dispute letter sent
17/06/2013.. Letter from Lowell. Co op are trying to retrieve agreement from their archives. Will inform us if it can't be found and will ask us to pay balance in full if it can
28/06/2013....Letter from Lowells. Afraid we have not received a copy of CCA. Account on hold and we will not send any more letters until we receive agreement
20/07/2013... Letter from Lowells. After liaising with Co op in an effort to obtain this document we have been advised that it is no longer available due to the length of time since the account was opened. At this time we are closing your file and will not make any further contact withyou unless the agreement is found

Update. Yay. Woo hoo. Good news at last. For now at least!

Should i lend them my copy do you think?

Thanks everyone

[samsmum]

Re: New and confused

OK, will get that sent. Thanks.

[Deepie]

Re: New and confused

No. Sorry if i've missed something. Should i respond please?

No that's fine..... I would send this back to Lowells if it were me ----> Threat by Creditor - To Commence Litigation

[samsmum]

Re: New and confused

No. Sorry if i've missed something. Should i respond please?

[Deepie]

Re: New and confused

5/7/13..Letter from Bryan Carters..Pay within 14 days or will recommend clients issue proceedings without further notice


Did you send anything back to Bryan Carter ?

[samsmum]

Re: New and confused

Received a letter from Co op today giving notice of assignment to Lowells. This was originally a debt for £900 in 2003 when we went on a dmp ne 2011with CCCS,as it was then, until 2011. I've not got all the statememnts but the account went to Frederickson's in 2009 along with 2 other small accounts. According to my dmp staments all accounts had a zero balance when we stopped paying it. The accompanying letter from Lowells today states that before selling the account,Co op have checked their records and there is no reson the account should remain unpaid.Can you advise me please?

8/2/13..Letter from Lowells stating last paypent was for £121 in Nov 2011. Need to prove its been settled. Confused as we would only have paid £10pm at most when on dmp and we stopped paying in June 2011
23/3/13Letter from Lowells...as we are unwilling to pay they will obtain copy of credit file and possibly work details
08/06/13..Passed to Fredericksons
20/06/13 Letter from Freds. Do not ignore!
28/06/13..Letter before action received
29/6/13..Threat o gram letter before ction sent
5/7/13..Letter from Bryan Carters..Pay within 14 days or will recommend clients issue proceedings without further notice

19/7/13..Letter from Lowells. Despite letter from Bryan Carter still not paid. One last chance before they issuing a claim. Prepared to accept a f&f settlement if we ring within 48 hours

13/09/2013.....Letter from Bryan Carter. We have been instructed by Frederickson on behalf of Lowell to issue court proceedings on 25th September. Contact us if you wish to avoid going to court. This matter has now reached a critcal stage and you may want to take legal advice

Update

[vint1954]

Re: New and confused

I would send them a copy of the http://www.all-about-debt.co.uk/inde...-before-action That you sent previously, with a one line letter "Further to your threat of legal action in your letter dated xxxxxx, please find attached a copy of my letter dated xxxxxx, which you have completely ignored and failed to respond to.

I await your urgent response.

Yours "

[samsmum]

Re: New and confused

LooPOVERDRAFT with Nationwide B/S
2008
£800
NOT PAYING
Last interest paid 06/08/2011 now changed bank acc
Default date:14/02/2012
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.
20/04/2012..CCA request sent
25/04/2012..Letter from Bryan Carter solicitors re cca. This is a current account partially excluded by section 74 of CCA1974 from the application of Part v of the act. If you require copy statements or current terms you will need to request these from local branch and a fee will need to be provided. Send proposals for payment
27/04/2012..Letter from Bryan Carters. Must pay within 14 days else they'll recommend issuing proceedings without further notice. List of court costs etc
11/05/2012..Letter from Fred's. Despite a letter from Bryan Carter solicitors i've failed to pay. They are prepared to offer one final opportunity to pay before recommending client instructs solicitors to issue a claim. At this late stage prepared to accept a f&f provided i contact them within 48 hours
06/06/2012..Letter from Bryan Carter solicitors..Final Notice. May be referred for court proceedings. Now reached critical stage and i may wish to obtain independant legal advice
30/06/2012..Letter from Bryan Carters. Final settlement offer. Instructed to offer reduced settlement figure ,available for 14 days after which full balance will become due
20/04/2013.. Letter received from Nationwide saying account has now been passed to ARC
29/04/2013... Letter received from Arc.We wish to make it quite clear that unless a substantial payment is received in ten days along with a firm offer to clear the balance we may pass account to solicitors to prepare court proceedings
01/05/2013... Sold in dispute letter sent
13/05/2013...Letter from Arc. Disappointed etc.On the instructions of our client we can now take steps to prepare a county court claim. A claim will be prepared 10 days after the date of this letter
[COLOR=blue]14/05/2013...CCA Request sent
[COLOR="Red" 06/06/2013.....letter from Arc. All required documents have previously been sent. Not obliged to send copy of cca as it was an overdraft. Provide details of our finances within 30 days or they will obtain further instructions
10/07/2013.... letter from Arc.Balance remains outstanding.A County Court Claim.has now been prepared against you and can be issued in NorthamptonCounty Court. If this matter is passed to our solicitors for issue costs will be added.If you are in real financial difficulty call us and we will consider your situation.

Update. Can you advise me on this please?

[samsmum]

Re: New and confused

Update...this has now been passed to fredericksons

Update. Letter received from Bryan Carter solicitors.Must be paid within 14 days or will recommend clients to issue proceedings without further notice.

Will set up a proper diary for this later

[samsmum]

Re: New and confused

Thanks Pixie. I'll get that sent x

[Pixie]

Re: New and confused

I would send Threat-o-Gram Letter Before Action - allaboutDEBT UK to Fredricksons (re post#1373)

[samsmum]

Re: New and confused

CO-OP LOAN
11/2002
£4900
04/2003
Not paying
arrears
Payments to CO-OP
Default date:15/12/2011
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
26/03/2012..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
27/03/2012..CREDITOR REFUAL TO ACCEPT UE STATUS LETTER SENT
18/04/2012...Letter received from Midas Credit Services. Litigation Warning.Part of the Moorcroft group and aware we've failed to pay.Reviewing account prior to possibly recommending legal action by external solicitors.
18/04/2012.. Enough is enough letter sent
24/04/2012..Letter from Moorcroft. Account on hold while they refer back to Co op
16/05/2012..Letter from Moorcroft.As we have complied with original request the hold on account has now been removed.Need to discuss repayments
25/06/2012..Letter from Moorcroft.. Possible Litigation.Pay before 29/06 or may recommend legal action
04/07/2012..Letter from Moorcroft..They undersand we're having financial difficulties (no shit Sherlock!!) Please complete I&E form so they can assist or contact CCCS.
07/07/2012..final response UE (CCA Received letter sent)
16/07/2012..Letter from Moorcroft. Clients believe documents meet requirements and balance remains payable. Will not be sending any further documents as meets requirements of section 78
15/08/2012..Letter from Midas Credit Services. We are part of Moorcroft Group. You have failed to reach a repayment agreement. We are now considering recommending legal action by external solicitors
17/08/2012...Threat by creditor to commence litigation letter sent
25/08/2012...Letter from Moorcroft. CCA has been provided in terms with Consumer Credit Act 2006.Account placed on temporary hold to allow time to make arrangement to pay an amount i can afford and maintain
30/08/2012....Letter from Moorcroft. Account now being passed to home collections. Aware of difficulties many customers are now experiencing so offering a discount of up to 25%. Greater discounts may be available depending on circumstances. Reply within 7 days etc etc...
27/10 2012..letter from Co op saying account has been passed to Equidebt
02/11/2012...letter from Equidebt.Still time to resolve this without further action. Reply in 7 days or may send doorstep agent to discuss our financial situation
05/11/2012..Sold in dispute and doorstep letter sent
10/12/2012.. Letter from Equidebt. You have failed to respond. Can no longer be regarded as an oversight as you have had ample opportunity to repay this debt.
1)Send us a one off payment or £207 and the balance over a period of time to suit your circumstances.
2)Make a f&f payment of £4149
3)Enter into a monthly arrangement
28/11/2012...Letter from Equidebt.We confirm we were unaware of your ongoing dispute regarding your CCA request. Sent for copies. Account on hold in the meantime
16/05/2013...Letter from Lowell. Debt has now been passed to them. Really important to pay back what we owe. Obtaining copy of credit file to see if we have assets such as our own home or other credit commitments. Could take us to court for judgement,could make us bankrupt if we owe more than £750. Lots of could do,may do's
18/05/2012...Sold in dispute letter sent
17/06/2013.. Letter from Lowell. Co op are trying to retrieve agreement from their archives. Will inform us if it can't be found and will ask us to pay balance in full if it can
28/06/2013....Letter from Lowells. Afraid we have not received a copy of CCA. Account on hold and we will not send any more letters until we receive agreement

Update. No rush

[samsmum]

Re: New and confused

Received a letter from Co op today giving notice of assignment to Lowells. This was originally a debt for £900 in 2003 when we went on a dmp with CCCS,as it was then, until 2011. I've not got all the statememnts but the account went to Frederickson's in 2009 along with 2 other small accounts. According to my dmp staments all accounts had a zero balance when we stopped paying it. The accompanying letter from Lowells today states that before selling the account,Co op have checked their records and there is no reson the account should remain unpaid.Can you advise me please?

Update. This has now now been passed to Fredericksons and we have a received a Letter Before Action notice from them

[samsmum]

Re: New and confused

Update...this has now been passed to fredericksons

Update. Do not ignore, immediate payment required letter received from Fredericksons

[samsmum]

Re: New and confused

CO-OP LOAN
11/2002
£4900
04/2003
Not paying
arrears
Payments to CO-OP
Default date:15/12/2011
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
26/03/2012..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
27/03/2012..CREDITOR REFUAL TO ACCEPT UE STATUS LETTER SENT
18/04/2012...Letter received from Midas Credit Services. Litigation Warning.Part of the Moorcroft group and aware we've failed to pay.Reviewing account prior to possibly recommending legal action by external solicitors.
18/04/2012.. Enough is enough letter sent
24/04/2012..Letter from Moorcroft. Account on hold while they refer back to Co op
16/05/2012..Letter from Moorcroft.As we have complied with original request the hold on account has now been removed.Need to discuss repayments
25/06/2012..Letter from Moorcroft.. Possible Litigation.Pay before 29/06 or may recommend legal action
04/07/2012..Letter from Moorcroft..They undersand we're having financial difficulties (no shit Sherlock!!) Please complete I&E form so they can assist or contact CCCS.
07/07/2012..final response UE (CCA Received letter sent)
16/07/2012..Letter from Moorcroft. Clients believe documents meet requirements and balance remains payable. Will not be sending any further documents as meets requirements of section 78
15/08/2012..Letter from Midas Credit Services. We are part of Moorcroft Group. You have failed to reach a repayment agreement. We are now considering recommending legal action by external solicitors
17/08/2012...Threat by creditor to commence litigation letter sent
25/08/2012...Letter from Moorcroft. CCA has been provided in terms with Consumer Credit Act 2006.Account placed on temporary hold to allow time to make arrangement to pay an amount i can afford and maintain
30/08/2012....Letter from Moorcroft. Account now being passed to home collections. Aware of difficulties many customers are now experiencing so offering a discount of up to 25%. Greater discounts may be available depending on circumstances. Reply within 7 days etc etc...
27/10 2012..letter from Co op saying account has been passed to Equidebt
02/11/2012...letter from Equidebt.Still time to resolve this without further action. Reply in 7 days or may send doorstep agent to discuss our financial situation
05/11/2012..Sold in dispute and doorstep letter sent
10/12/2012.. Letter from Equidebt. You have failed to respond. Can no longer be regarded as an oversight as you have had ample opportunity to repay this debt.
1)Send us a one off payment or £207 and the balance over a period of time to suit your circumstances.
2)Make a f&f payment of £4149
3)Enter into a monthly arrangement
28/11/2012...Letter from Equidebt.We confirm we were unaware of your ongoing dispute regarding your CCA request. Sent for copies. Account on hold in the meantime
16/05/2013...Letter from Lowell. Debt has now been passed to them. Really important to pay back what we owe. Obtaining copy of credit file to see if we have assets such as our own home or other credit commitments. Could take us to court for judgement,could make us bankrupt if we owe more than £750. Lots of could do,may do's
18/05/2012...Sold in dispute letter sent
17/06/2013.. Letter from Lowell. Co op are trying to retrieve agreement from their archives. Will inform us if it can't be found and will ask us to pay balance in full if it can

UPDATE