Clearingthepas UE Diary

[Never-In-Doubt]

Re: Clearingthepast UE Diary

A&L could never RoSO with the card once it went to MBNA as they are separate entities, kinda like A&L having an agreement with MBNA but the overall debt was MBNA - it's not like MBNA provided credit for A&L, such as GE Money did with most stores...

A&L actually sold their customerbase to MBNA thus RoSO can never occur.

[Never-In-Doubt]

Re: Clearingthepast UE Diary

Capital one card
Startd 2002ish
Bal: £3939
Defaulted 2006
DMP £ 2.00
Owned by Capital One
31/10/11 CCA request sent
21/11/11 letter form Capital 1 plus copy agreement uploaded to secure section
28/11/11 Niddy says unenforceable missing prescribed terms
template letter advising sent

Well done, it should be this you send back: ---> CCA Query - Missing Prescribed Terms

[Never-In-Doubt]

Re: Clearingthepast UE Diary

I wish I had known this before...

two different companies, so how on earth would RoSO ever come into play?

Bit like getting a Post Office card - and having A PO account. As the PO card is issued by Bank of Ireland, the PO could never set-off, as it's not their debt, if you see what I mean.....

[clearingthepas]

Re: Clearingthepast UE Diary _ re LLoyds TSB

Hi

Since we stopped paying the DMP in October we have sent nothing to LLoyds TSB. Of the stuff with them the only one that is being chased it the smallest (£941) we have had a couple of "you are late with your payment" letters for the one account but nothing at all for the two largest, should I send any template letters to them or wait until they start communicating with us? Let sleeping dogs lie and all that.......

[Never-In-Doubt]

Re: Clearingthepast UE Diary _ re LLoyds TSB

Let sleeping dogs lie and all that.......

exactly

[Never-In-Doubt]

Re: Clearingthepast UE Diary

Your email of 11.02.12

Egg is

Its a blatant recon, if you bank with Barclays change banks asap as they are utilising RoSO now....

Well done, reply as follows: ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

[clearingthepas]

Re: Clearingthepast UE Diary

Thanks Niddy

Luckily I dont bank with Barclays

[Never-In-Doubt]

Re: Clearingthepast UE Diary

Your recent emails

Lloyds - ignore for now!
Try-it-on/Mint - send this ---> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

[clearingthepas]

Re: Clearingthepast UE Diary

Your recent emails

Lloyds - ignore for now!
Try-it-on/Mint - send this ---> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Thanks Niddy will have them in the post first thing tomorrow

[clearingthepas]

Re: Clearingthepast UE Diary - Help with solicitors letter

Hi - would appreciate any help/advice on this please..

have a solicitors letter from gpd solicitors re Lloyds 4 account in diary. this is old current account. Been given 7 days to pay or they will be issuing a CCJ.

All 4 of the old Lloyds accounts are not covered in same way with the CCA as the other cards and loans so UE was always going to be more tricky....

Now in bizarre position as relative has offered us £3800 to pay off just these 4 accounts. Have read all templates and info on the site so know how to work the formula out of what to offer etc. I am guessing that now would be a good time to do offer letter but do i do it to iqor or do I do it to the solicitors?

Also the account Lloyds 1 (the former business account) we havent as yet had any letters about so dont really want to be making an offer no matter how small to a "sleeping dog!"

Any thought on the way to play this would be great!

[MrsD]

Re: Clearingthepast UE Diary

just for starters, solicitors don't issue CCJs, the would have to take you to court and the court would then go through the procedure and the judge would decide whether or not to give you a ccj, you would of course have a opportunity to defend if you chose. These DCAs drive me mad with the way the toss CCJs around like they have the power, they don't.
So if this went to a CCJ do you have a defence and is it worth fighting or is it better to try to pay them off?

personally if you haven't heard from any of the others, I'd try and pay off this one, with a suitably enticing F&F, how much is this one? I'd sit on the rest of the money until you felt the time had come to F&F the others, its a game, you have to F&F when it suits you to get them off your back BUT pay the least amount of money possible to the shysters.

[clearingthepas]

Re: Clearingthepast UE Diary

thanks for this evenlessdopey - feel much clamer now! (glass of wine has helped too!)

This one with Lloyds is £941 but was only £480 before all the charges were applied and for the 4 years we paid thru DMP they only had £2 a month.. any suggestions on on what sort of amt to offer?

[clearingthepas]

Bryan Carter solicitors re Capt 1

Hi

Bryan Carter solicitors have written re capt 1, tho this has been around the houses already...
Capital one card
Startd 2002ish
Bal: £3939
Defaulted 2006
DMP £ 2.00
Owned by Capital One
31/10/11 CCA request sent
21/11/11 letter form Capital 1 plus copy agreement uploaded to secure section
28/11/11 Niddy says unenforceable missing prescribed terms
template letter advising sent
5/12/11 before letter was posted capquest write to advise they now deal with this so Missing Prescribed terms template sent to them
10/12/11 letter from capquest advising us to contact to protect our credit rating!!as we have no ccjs registered )
11/12/11 letter from capquest asking for immediate contact. ignorig as no resonse to missing prescribed terms yet.
28/12/11 LETTER BEFORE ACTION recd from capquest but no sign of missing prescribed terms
3/1/12 threat of litigation template sent on niddys advice
7/1/12 Capt 1 write to thank me for advising them new address - guess capquest did that!
9//12 my advisor at cabot writes introducing himself and that they are apparently going to have to start litigation
11/1/12 Capquest write they were not aware of dispute so they have referred back to capt 1 and closed the account on their system..funnily enough not signed by my advisor!!!!
7/4/12 letter from Fredrickson International who have been instructed to collect the debt! Maybe Capt 1 think that if they try enough collection agencies we will forget they havent sent thru prescribed terms yet...lol
11/4/12 Fredrickson "letter before acvtion" recd
21/4/12 Bryan Carter letter recd threatening action

Shall I reply to Fredrikson or to solicitors? also which template would be best?

[swanfan]

Re: Clearingthepast UE Diary

Send this to Bryan Carter--> Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation

[clearingthepas]

Re:Green & Co Sols for Triton for Mint

recd a solicitors letter from Green & Co ( making it a hat trick 3 solicitors letters in 3 days!
It gives us "one final chance" to make payment or they will commecnce court proceedings despite the fact that Mint are still investigating our complaint (it was only a request for CCA origianally that they have never actioned as they wnat it SIGNED

so far...
Mint card
Started 2003ish
Bal: £ 3748
Defaulted 2005
DMP £ 2.00
Owned by Mint
4/12/11 statement sent to us so have now sent off CCA request
23/12/11 2 letters recd dated 5/12/11 and 15/12/11 stating dissapointment at failure to pay monthly amt and second one threatening transfer to external collection agency
24/12/11 mint advise they cannot send CCA as the letter was not signed -
28/12/11 responded with sig not required template
7/1/12 mint statement
11/1/12 mint have sent sig req template letter back as its not signed!!!!!!
21/1/12 letter recd saying they are disappointed we have not paid
21/1/12 CCA final response sent
3/2/12 standard form returned with my letters with "Not Signed" box ticked!! Niddy says await next move
7/2/12 letter recd from Triton for payment DEMAND
8/2/12 account sold whilst indispute template sent
21/2/12 letter from Triton recd "URGENT ACTION REQUIRED"
23/2/12 harrassment template sent
3/3/12 Triton letter advising "notice of legal proceedings"
3/3/12 Triton second letter recd same day refering to our recent correspondance advising they cannot reply without knowledge of our full financial position (we only want a CCA!!!!!)
6/3//12 Niddy advises threat o gram template - sending recorded tomorrow am
17/3/12 Trition say we must send £1 PO and sign letter and send it to them and then their client will send copy of CCA
11/4/12 Mint write to say they are sorry to hear that we are not happy with how they have communicated with us and that they will investigate and come back to us by 30th May...lol

Shall I send the "threat by creditor to commence litigation" template to Green & Co?