New and confused

[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

[Deepie]

Re: New and confused

UPDATE

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

[samsmum]

Re: New and confused

Thanks I2D. Will continue to ignore.

[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
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

UPDATE

[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

UPDATE.. Letter before action received..must pay in 7 days they will take immediate action. Legal action is now being considered. For £123!!

[snudgerchops]

Re: New and confused

UPDATE.. Letter before action received..must pay in 7 days they will take immediate action. Legal action is now being considered. For £123!!

Brilliant!

[jon1965]

Re: New and confused

Is it on your cra. Why are you paying a dca they have no power. But i would never condone debt avoidance. It's people like you who have brought the country to its knees
I am taking the p by the way.
Is this one ue?

[samsmum]

Re: New and confused

Is it on your cra. Why are you paying a dca they have no power. But i would never condone debt avoidance. It's people like you who have brought the country to its knees
I am taking the p by the way.
Is this one ue?

Love you too
Never bothered checking this one out with it being so small. Offered up to 30% f&f before i started on here but they wouldn't accept. Is it worth trying again?

[Deepie]

Re: New and confused

Love you too
Never bothered checking this one out with it being so small. Offered up to 30% f&f before i started on here but they wouldn't accept. Is it worth trying again?

not really.......

[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.
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

UPDATE. Can you advise me of next move on this please

[Deepie]

Re: New and confused

UPDATE. Can you advise me of next move on this please

Just ignore for now.........

[samsmum]

Re: New and confused

Just ignore for now.........

What took you so long? 2 minutes to reply. Just can't get the staff
Thanks as always I2D

[IF]

Re: New and confused

2 mins!! He is letting the side down eh!!

[swanfan]

Re: New and confused

He was waiting for IF to bring coffee.

[Deepie]

Re: New and confused

2 mins!! He is letting the side down eh!!

I'm busy......