New and confused

[ScabHunter]

Re: New and confused

There is not a lot of blue on there – what have you sent since the CCA request?

When you sent the request, was it the proper one for overdrafts?

SH

[samsmum]

Re: New and confused

Thanks for the reply. Yes it was the o/d letter i sent. They replied saying it was partially excluded. The only other correspondence is as in my diary and have not heard from them for nearly a year. Didnt think i could be that lucky!

[ScabHunter]

Re: New and confused

Some of those letters from Carter should really have been responded to, especially the one which threatened court, but, never mind as you successfully saw him off.

As this is a new leech on the block, I would respond with a version of the A/C Sold Whilst In Dispute letter, specially amended to replace the Sections 77-79 references with the appropriate legislation for overdrafts.

allaboutFORUMS - View Single Post - spent2much UE diary

My limited experience of Arc (on the forum, not personal) suggests that they are highly argumentative, but also largely impotent.

SH

[samsmum]

Re: New and confused

Sorry, i did send the Threat by creditor Threat-o-gram-letter before action in May but didnt update my diary correctly. I'll get the new letter sorted and sent off. Thank you

[samsmum]

Re: New and confused

OVERDRAFT 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

Update. Letter recieved today from Arc.

[bobogosing]

Re: New and confused

Update. Letter recieved today from Arc.

County Court Claim for balance of £880?
Is this for real or are they bluffing??

bobo

[samsmum]

Re: New and confused

I've had one for a lot less than that

[bobogosing]

Re: New and confused

I've had one for a lot less than that

Did you get the CCJ?

[samsmum]

Re: New and confused

No, with a lot of help from Niddy we settled it thankfully

[bobogosing]

Re: New and confused

No, with a lot of help from Niddy we settled it thankfully

Yay!! Phew!! Thanks for the good news!!

Was panicking then.........

[samsmum]

Re: New and confused

Not half as much as i was at the time

[Pixie]

Re: New and confused

Arc haven't hung about have they?

Would you be able to get together some money for a F&F on this?

[samsmum]

Re: New and confused

No they haven't Pixie. We could only get about £200 at the moment so can't imagine they would accept that

[Pixie]

Re: New and confused

You never know...it's 25% of the debt.

[samsmum]

Re: New and confused

Worth a try do you think?