Clearingthepas UE Diary

[Pixie]

Re: Clearingthepast UE Diary

It won't hurt.

From my experience, Greens roll over pretty quickly.

[clearingthepas]

Re: Clearingthepast UE Diary

It won't hurt.

From my experience, Greens roll over pretty quickly.

Thanks Pixie

[clearingthepas]

Re: Clearingthepast UE Diary

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

Hi Swanfan

Bryan Carter sent the above letter to Fredrickson and they now write to say I must write to Capt 1 direct if I dispute liability, shall i send same templat to them as well?


clearingthepast

[Deepie]

Re: Clearingthepast UE Diary

Hi Swanfan

Bryan Carter sent the above letter to Fredrickson and they now write to say I must write to Capt 1 direct if I dispute liability, shall i send same templat to them as well?


clearingthepast

I Would just ignore for now....

[Pixie]

Re: Clearingthepast UE Diary

You have nothing to worry about from Freds or Bryan Carter.

Just ignore like I2D says

[clearingthepas]

Re: Clearingthepast UE Diary

You have nothing to worry about from Freds or Bryan Carter.

Just ignore like I2D says

Thanks

[clearingthepas]

Re: Clearingthepast UE Diary

Hi

any suggestions on this one. Have been dealing with Moorcroft and as this account does not fall fully into the CCA unenforcibility may have to come up with a payment plan.... eventually.....however it was a joint account and Moorcroft are only writing to me on it, but Lloyds sent statements to me at our current address and hubbie at our previous address last month... should i ask for clarification on who owns it as dont want to agree anything and then have another company them chase hubbie for more.. as i thought u were jointly and severaly liable for joint stuff?

Lloyds TSB 3 (former joint personal account)
Started 1998
Bal: £9208
Defaulted 2006
DMP £3.17
Owned by Lloyds TSB debt recovery
23/2/12 moorcroft letter advising they are intending litigation - emailed Niddy for advice
24/2/12 another letter from moorcroft to my new address trying to confirm its me....
2/8/2/12 threatogram before action template sent
9/3/12 moorcrort acknowledge receipt and advise it is being dealt with by compliance dept and account on hold whilst they investigate
18/3/12 recd a 3 page letter from moorcfort compliance have emailed Niddy for advice...ignore and wait for next move
5/4/12 moorcorft write to say that lloyds have advised that CCA not required on this type of account, and I have 2 weeks to contact them before they follow this up..
11/4/12 a 2 page letter from moorcroft explaining that this account not under the CCA act and i must offer a suitable payment plan i can afford, and saying a financial statement enclosed for me to complete - but it wasnt they just sent a copy of the previous letter?!

[clearingthepas]

Re: Clearingthepast UE Diary

Egg loan
Started 2004
Bal: £3402
Defaultd 2005
DMP £2.00
Owned by Credit Solutions
3/5/12 FINAL notice recd from Wescot
4/5/12 CCA request sent
5/5/12 Wescot address verification recd
12/5/12 CCA request returned by wescot as they are acting for britannica so ask for £1 payable to them instead and resend it to them...
14/2/12 CCA request resent with £1 now payable to Britannica but have no contact details for them hence resent to wescot... round and round the garden....lol

Hello can i have some advice please

Wescot want us to write write confirming DOB and previous address to prevent "breach of data protection".
Guess this is because wescot write to current address and Egg/Barclaycard have our previous one... is it OK to do this??

[clearingthepas]

Help please -Barclaycard and old CCA

Barclaycard
Started 2002
Bal: £8869
Defaulted 2005
DMP £3.06
Owned by Credit Solutions
5/12/11 letter received from Robinson Way(?) for formal demand for payment, but the reference card no. and amount completely different + our Barclaycard is owned by Credit Solutions??? Uploaded for Niddy to check out
24/12/11 appears these letteres relate to egg card which is now owned by Barclays
26/1/12 letter recd from barclaycard advising we have been passed to Apex credit management
26/1/12 letter recd from Apex advising theya re dealing and to contact with MATTER OF URGENCY.
27/1/12 CCA request sent
7/2/12 Apex letter promising a home visit appt - address old one and only partial...good luck with that then.
10/2/12 letter advising Apex dont hold documents we must send CCA request to Barclaycard direct..will do first thing mon!
13/2/12 CCA request sent to Barclaycard as advised by Apex
27/3/12 two letters recd today. One from Apex who advise that Barclaycard no longer hold CCA form as default is over 6 years ago
2ne letter from Barclaycard advising that they cannot provide CCA as the address quoted in request is different - this letter was sent to an old address but they have been writing ti us at the recent address for several years?! emailed niddy for advice
5/4/12 duplicate letter from Apex dated 22/3/12 advising forms no longer held as default over 6 years ago
11/4/12 Apex write to advise that they have confirmed we are still resident at our old address and will be arranging a home visit..
4/5/12 letter form Apex advising the barclaycard know it is a difficult time for people and they can offer v good settlements...
13/7/12 letter recd from Wescot advising us to reply IMMEDIATELY and READ CAREFULLY!!
10/8/12 Nelson Guest now chasing for repayment in FULL

Hi out there...does any one know where we stand on this please?

we never had the CCA for this because barclaycard say the debt is too old (default was 6 years ago - tho nothing paid in last 12 months). I see on some other threads they have tried this before. Shall i just send account in dispute letter?

[MrsD]

Re: Clearingthepast UE Diary

if you have a letter confirming no paperwork, I'd send this one

Our Templates | Unenforceability Templates | CCA Query - Letter Previously Confirming No CCA

[clearingthepas]

Re: Clearingthepast UE Diary

Barclaycard
Started 2002
Bal: £8869
Defaulted 2005
DMP £3.06
Owned by Credit Solutions
5/12/11 letter received from Robinson Way(?) for formal demand for payment, but the reference card no. and amount completely different + our Barclaycard is owned by Credit Solutions??? Uploaded for Niddy to check out
24/12/11 appears these letteres relate to egg card which is now owned by Barclays
26/1/12 letter recd from barclaycard advising we have been passed to Apex credit management
26/1/12 letter recd from Apex advising theya re dealing and to contact with MATTER OF URGENCY.
27/1/12 CCA request sent
7/2/12 Apex letter promising a home visit appt - address old one and only partial...good luck with that then.
10/2/12 letter advising Apex dont hold documents we must send CCA request to Barclaycard direct..will do first thing mon!
13/2/12 CCA request sent to Barclaycard as advised by Apex
27/3/12 two letters recd today. One from Apex who advise that Barclaycard no longer hold CCA form as default is over 6 years ago
2ne letter from Barclaycard advising that they cannot provide CCA as the address quoted in request is different - this letter was sent to an old address but they have been writing ti us at the recent address for several years?! emailed niddy for advice
5/4/12 duplicate letter from Apex dated 22/3/12 advising forms no longer held as default over 6 years ago
11/4/12 Apex write to advise that they have confirmed we are still resident at our old address and will be arranging a home visit..
4/5/12 letter form Apex advising the barclaycard know it is a difficult time for people and they can offer v good settlements...
13/7/12 letter recd from Wescot advising us to reply IMMEDIATELY and READ CAREFULLY!!
10/8/12 Nelson Guest now chasing for repayment in FULL

Hi out there...does any one know where we stand on this please?

we never had the CCA for this because barclaycard say the debt is too old (default was 6 years ago - tho nothing paid in last 12 months). I see on some other threads they have tried this before. Shall i just send account in dispute letter?

if you have a letter confirming no paperwork, I'd send this one

Our Templates | Unenforceability Templates | CCA Query - Letter Previously Confirming No CCA


Thanks i have reread barclaycard letter and what they actually did was send it to our old old address which we left 6 years ago, even tho they communicated at the address we were at after that... and quiery the different address and of course request signature to change..?

[clearingthepas]

Re: Clearingthepast UE Diary

Credit Secrity have written to us as they are now handling one of the old Lloyds debts. But included in the letter is another sheet with the name and address and details of another persons debt...
any ideas on the best way to respond to their error???

[SXGuy]

Re: Clearingthepast UE Diary

i wouldnt point the error out personally. i would ignore for now.

[clearingthepas]

Re: 1st Credit and MBNA

MBNA loan
Started 2003ish
Bal: £6429
Defaulted 2005
DMP £2.22
Owned by 1st credit
31/10/11 CCA request sent
10/11/11 1st credit had advised MBNA that we have requested CCA. We must call them immediately when we receive it...

24/10/12 recd a letter from 1st credit almost 12 months after last communication. They have now been assigned the debt and want us to contact them immediately. we can also send £10 to find out what information they hold on file about us...yeah right.

Had heard nothing from 1St credit or MBNA since 3/11/11 when 1st Credit advised they were unable to send CCA as it was retained by MBNA. They say they requested it from MBNA but we have never recd it nor had the £1 PO returned not had any other communication in the eleven months since- what would be best to respond to this with?

[MrsD]

Re: Clearingthepast UE Diary

sold in dispute with a copy of their letter for reference