Pookies UE Diary

[pooksthebear]

Re: Pookies UE Diary

Beat me to it ------ again l l


Garlok

Im impressed with you all... very speedy responses lol

Pooks

[Never-In-Doubt]

Re: Pookies UE Diary

Im impressed with you all... very speedy responses lol

Pooks

We aim to please

Just keep us updated with things - don't forget?

[pooksthebear]

Re: Pookies UE Diary

Hi all, ok back on 16th September I received a letter from Phoenix recoveries with regard the littlewoods debt headed Notice of Assignment and saying:

We advise you that Phoenix Recoveries has assigned all of its respective rights, title and interest in respect of this account (including the right to receive payment of the outstanding balance) to Arrow Global Ltd effective from 13th May 2010. Any payments made on this account after 31st December 2010 will be passed to ARrow Global and will be deducted from the balance. It is essential that all future payments and correspondence regarding this account be directed to Buchanan Clark and Wells.

So, I was paying BCW until I found this site. I sent the first postal order and CCA request to BCW who returned it and told me to send it to Arrow Global which I did. I have now received this letter from Arrow Global:

We do not accept that we are the creditor as envisaged by the above statute (refering to the cca i presume). However we are willing to assist in obtaining that which as been requested. We will process your request for documentation from the creditor and will revert in due course. We confirm that all collection activity will be suspended pending provision of the documents.

I find this a bit bizarre as surely they are the creditors as per the assignment??


As for the other debts.. update below.

Mackenzie hall -have returned the p/o saying they have requested cca from capquest.

CL Finance (big loan) - heard nothing since i sent cca request

Debt Managers (bank loan)- heard nothing since sent cca request

Triton - Heard nothing from since they sent agreement (ue)

Cabot - I decided not to make any payments, make a stand if you like rather than continue paying. I am going to send a f&f letter offering £100 at the end of this week and if they refuse it i am going to offer £3.50 per month (instead of the £5.47 I was paying, then gradually keep reducing this before making another offer.

I will learn to play the game if it kills me!!

Regards.. Pooks

[MrsD]

Re: Pookies UE Diary

well done Pooks you are getting there.

Just wait and see what Arrow comes back with, they are utter muppets!

[garlok]

Re: Pookies UE Diary

Thanks Mrs D. The letter of assignment is exactly that and Arrow have inherited all of the liabilities and obligations under the Act, not just the profitable bits. Ads they own the debt they are responsible under the Act to provide and furnish properly the s78 request.

Mind I do note an awful lot of debt purchasers are trying this on of late. I think many of them realise they have bought UE accounts that they cannot enforce. Just batter them back like they try to batter you.

regards
Garlok

[pooksthebear]

Re: Pookies UE Diary

well done Pooks you are getting there.

Just wait and see what Arrow comes back with, they are utter muppets!

Muppets indeed! Im feeling more empowered as the days go by, mind you wont like it when all the letters start coming in ... which im sure they will!! Thanks Mrs D!

[pooksthebear]

Re: Pookies UE Diary

Thanks Mrs D. The letter of assignment is exactly that and Arrow have inherited all of the liabilities and obligations under the Act, not just the profitable bits. Ads they own the debt they are responsible under the Act to provide and furnish properly the s78 request.

Mind I do note an awful lot of debt purchasers are trying this on of late. I think many of them realise they have bought UE accounts that they cannot enforce. Just batter them back like they try to batter you.

regards
Garlok

I thought that Garlok, looks very much like a proper assignment to me. Well so far only RBS have come up with the goods and thats unenforceable, Cabot .. well they dont need to provide but im gonna play the slow game with them!

[pooksthebear]

Re: Pookies UE Diary

Hi Guys...Update!

So 7th Dec I got letter from Mackenzie Hall, returning postal order and saying they have requested info from client and if dont receive a response with x days they will close my file and return it to creditor, in meantime they wont chase payment.

Now ive received another letter from them saying 'please find attached statement of account or copy of agreement as requested (they attached a statement). Payment must be received by our offices within 7 days' Evidently the right hand doesnt know what the left hand is doing

Shall i just ignore this for now?

Thanks, Pooks!

[Pixie]

Re: Pookies UE Diary

Hi Guys...Update!

So 7th Dec I got letter from Mackenzie Hall, returning postal order and saying they have requested info from client and if dont receive a response with x days they will close my file and return it to creditor, in meantime they wont chase payment.

Now ive received another letter from them saying 'please find attached statement of account or copy of agreement as requested (they attached a statement). Payment must be received by our offices within 7 days' Evidently the right hand doesnt know what the left hand is doing

Shall i just ignore this for now?

Thanks, Pooks!

They're dcas so it goes without saying that the left hand doesn't know what the right hand is doing!

Date and keep the statement and envelope and ignore. They are in default of your cca request and so just wait and see what they send next.

[pooksthebear]

Re: Pookies UE Diary

They're dcas so it goes without saying that the left hand doesn't know what the right hand is doing!

Date and keep the statement and envelope and ignore. They are in default of your cca request and so just wait and see what they send next.

Hi Pixie, well i didnt have to wait long! This morning I got a letter from Meritforce (new one no doubt) headed Authorised Collector Visit.. states because i have not paid blah blah blah a collector will call within the next 10 days (hmm... well cant see them coming over Christmas).. if the collector doesnt get a positive reponse my file will be returned to their office and official proceedings taken against me. Goes on to tell me that if i dont want a visit and would rather settle the debt then to contact their client Mackenzie Hall before the 22nd December.

Ignore or doorstep threat letter? Also if sending letter would this be sent to Meritforce, Mackenzie Hall or both?

Thanks, Pooks

[Deepie]

Re: Pookies UE Diary

Hi Pixie, well i didnt have to wait long! This morning I got a letter from Meritforce (new one no doubt) headed Authorised Collector Visit.. states because i have not paid blah blah blah a collector will call within the next 10 days (hmm... well cant see them coming over Christmas).. if the collector doesnt get a positive reponse my file will be returned to their office and official proceedings taken against me. Goes on to tell me that if i dont want a visit and would rather settle the debt then to contact their client Mackenzie Hall before the 22nd December.

Ignore or doorstep threat letter? Also if sending letter would this be sent to Meritforce, Mackenzie Hall or both?

Thanks, Pooks

Send doorstep threat letter to Meitforce.....

[pooksthebear]

Re: Pookies UE Diary

Send doorstep threat letter to Meitforce.....

Thanks will do that now!

Pooks!

[pooksthebear]

Re: Pookies UE Diary

Oh forgot to ask, should I have sent my full and final offer and the doorstep threat letter by recorded delivery?

Regards, Pooks

[Deepie]

Re: Pookies UE Diary

Oh forgot to ask, should I have sent my full and final offer and the doorstep threat letter by recorded delivery?

Regards, Pooks

yes ....always send recorded

[pooksthebear]

Re: Pookies UE Diary

yes ....always send recorded

Ok will do. Just a thought though, if 1 end up sending 2 or 3 letters a month (recorded) to each creditor, at £1.50 a shot and was only paying £1 to £5 a month off the debts, then aren't I better just paying the £1 or so to the debt? Might sound like a silly question I know but if the letters increase, like I expect they will, I could be paying more to the post office than I was originally to the creditors lol

Regards, Pooks