New and confused

[pompeyfaith]

Re: New and confused

Very similar case here of mine regarding co-op and lowells seems they have brought a few duds lol

An old sorted issue has raised it's ugly head - allaboutFORUMS

[samsmum]

Re: New and confused

Hi, received a letter from Lowells re Co op account above stating last payment received was for £121 in Nov 2011 and i need to send documentary evidence that it has been settled in full so they can investigate further. On hold for 30 days. I'm confused as they would only have received about £10 per month and we stopped paying in June 2011

[samsmum]

Re: New and confused

Will do that tonight thanks

[Never-In-Doubt]

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?

Write back and simply say "The reason is because nothing is due"...

That ought to do it

[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
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

[Never-In-Doubt]

Re: New and confused

Better even still when they say "we cannot locate an agreement"....

[jon1965]

Re: New and confused

It's lovely when you get a letter like that, even better when they come back with a we have returned it to our client

[Undercover Elsa]

Re: New and confused

Excellent, Samsmum, the desired effect. Time for a rest

[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

UPDATE

[samsmum]

Re: New and confused

Thanks for the replies. I'm not clever enough to pick relevant bits out to reply to, but the head and the heart part does sum it up Ken and Flower, you're right £123 isn't worth fretting over. Still worth a cheeky offer though

[ken100464]

Re: New and confused

Like I mentioned on another thread this is a head vs heart thing.

In the head it doesnt make sense to settle but the heart sometimes needs it more.

Just as each debt is different each one of our circumstances is too.

Take us for example. Small debts relative to most on here but its a worry to OH.

We have 3 year old defaults but been paying right up to now so no SB for 6 years.

Have one CCJ one EN one UE and one isnt sure what its doing.

Not sure for our level of debt I would want the OH to suffer 6 years of grief just to say I saved £20

So maybe UE gives me more ammo in a F & F. That sorts our situation out but many members would say thats silly paying anything. It wouldnt be if our life is free of the leeches for good.

Thats the heart side of things.

Glad its helped Samsmum after the shocking week last week for you.

[samsmum]

Re: New and confused

Appreciate what you're saying but events and bad news over the last couple of weeks have completely freaked hubby out. Getting an account settled last week gave him such a boost that with this being so small he wanted another debt settled and gone. Things will settle again soon i hope but right now his health is such a major concern that with having 2 court claims recently he's just wanting stress limitation.

[ScabHunter]

Re: New and confused

I've got an old Cap1account now with Lowells,balance is only £123 but not paid since June 2011.They send me the odd letter then go quiet for months. Sent the F&F template offering £50. They sent an e mail saying they'd accepted my offer but when i opened it properly they've accepted £1 per month

Is it enforceable? Enforceable old Crap One agreements are rarer than FP posts without emoticons.

Why are you making them offers? Even if it was enforceable, you should be able to blag it for £123. Every time you make an offer like that, you restart the limitation clock and give them more time in which to be a bloody nuisance.

SH

[samsmum]

Re: New and confused

I've got an old Cap1account now with Lowells,balance is only £123 but not paid since June 2011.They send me the odd letter then go quiet for months. Sent the F&F template offering £50. They sent an e mail saying they'd accepted my offer but when i opened it properly they've accepted £1 per month

[vint1954]

Re: New and confused

Update

Wait for them to respond to your sold in debt letter