New and confused

[Never-In-Doubt]

Re: New and confused

Lets see what they say then eh?

[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 been passed to fredericksons

[samsmum]

Re: New and confused

Yes it was. Thanks I'll get that sent

[ScabHunter]

Re: New and confused

Was the CCA request you sent on 14th May the specialist one for overdrafts?

If so, I would send the follow up letter found here -

Bank Accounts - CCA Reply (Part 2) - allaboutDEBT UK

SH

[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

Update

[Deepie]

Re: New and confused

Sorry forgot...should i send sold in dispute letter please?

I Would ....yes

[samsmum]

Re: New and confused

Sorry forgot...should i send sold in dispute letter please?

[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

Update. Still doing the rounds

[PlanB]

Re: New and confused

We could only get about £200 at the moment so can't imagine they would accept that

Hey, think glass half full not half empty. You've survived two court summons and just like childbirth the pain gets easier each time it happens

Send a CCA request to annoy and delay and then cross the next bridge when you get to it.

* maybe too many similes (no I didn't mean smilies ) from me in one post

[Never-In-Doubt]

Re: New and confused

Yep. Aren't i the lucky one We settled on one and the other was stayed. Hoping we can get the hat trick.You also got 2 accounts written off for me with your bespoke letters......Still have a giggle and can't believe i actually sent them
Sometimes when i can't see light at the end of the tunnel i remind myself just how far we've come and wonder where the hell we would be if we hadn't found you 2 years ago. I'm not clever or articulate but i hope you know just how grateful we are.

Thanks for the advice on this. Will get it sorted and sent

Bloody hell so I'm your personal assistant then hahaha

Seriously though, try not to worry - you'll be fine.

Keep us updated and PM me if anything changes and I miss it as I am very busy of late

[samsmum]

Re: New and confused

Yep. Aren't i the lucky one We settled on one and the other was stayed. Hoping we can get the hat trick.You also got 2 accounts written off for me with your bespoke letters......Still have a giggle and can't believe i actually sent them
Sometimes when i can't see light at the end of the tunnel i remind myself just how far we've come and wonder where the hell we would be if we hadn't found you 2 years ago. I'm not clever or articulate but i hope you know just how grateful we are.

Thanks for the advice on this. Will get it sorted and sent

[Never-In-Doubt]

Re: New and confused

Haven't we already dealt with 2 small claims for you? What's this, 3 now in as many months

Ok, for now send ARC a CCA Request - why not. It'll put a wee spanner in the works if anything

--> Overdrafts - CCA Information - allaboutFORUMS

It's the first one you need to send

[samsmum]

Re: New and confused

Thank you all. I'll wait to hear later.

Alland.. you can rest assured i won't be jumping in. I'm too scared of my own shadow and still need a good shove in the right direction. Luckily there's a few with size 12 steel toecaps on here when i need a good kick up the bum

[fluffystuff]

Re: New and confused

I agree with Pixie and Alland, anythings worth a try and you won't know until you ask. Good luck! X

[samsmum]

Re: New and confused

Thanks Pixie. Will check in later