Alland UE Diary

[Never-In-Doubt]

Re: Alland UE Diary

Update 11-05-11
Egg Card
Balance £10,336.92



Well a year to the day when I sent off for my first CCA request.
Letter received back from ARC Europe re my F&F offer of £2K to Egg.

" We refer to your recent offer to pay and confirm that we are willing to accept £2,000.00 to settle this debt.

Payment 1: £2,000.00 by the 16th May 2011.

Payment must be received at these offices by the due date, and for the agreed amount. The full balance will become payable if you do not keep to these agreed terms.

Following your payment your credit file will be updated to show this account has been partially settled, the balance will be brought to nil and you will not be pursued for any further monies for this account. "

Well what a result !........

result!

[Oct Revolution]

Re: Alland UE Diary

Great result Alland on the EGG account.

Well done.

[MustGetStraigh]

Re: Alland UE Diary

RESULT! Now all you need to do is take out a new Egg card to pay off the F&F (only kidding)

[Deepie]

Re: Alland UE Diary

Well done Alland
Great result

[swanfan]

Re: Alland UE Diary

Nice result Allan, well done.

[alland]

Re: Alland UE Diary

Update 11-05-11
Capitol One Card
Balance £4,000

Not heard anything from Cap One for months, -
Letter received today from Cabot.

"We are writing to confirm we now own this account having bought it from Capitol One Bank. We are here to help you get your finances back on track.

Please call us as a matter of urgency to discuss ways we can help you settle this outstanding debt.
Note: interest may still be applied to the outstanding amount until settlement is arranged."

[alland]

Re: Alland UE Diary

Update 11-05-11
Egg Card
Balance £10,336.92

Done a financial statement of income and outgoings in response to Egg/ via ARC Europe letter requesting one in order to consider my F&F offer
Egg balance just over £10K, my F&F offer of £2K ! (cheeky yes, but hey tough times, and they have had their capitol outlay and profit back in interest over the years !)
If they refuse the offer, then I will have to look at a repayment plan which will last until I have a long grey beard or am six foot under !

I'll report back on this one when they respond to the offer.

Well a year to the day when I sent off for my first CCA request.
Letter received back from ARC Europe re my F&F offer of £2K to Egg.

" We refer to your recent offer to pay and confirm that we are willing to accept £2,000.00 to settle this debt.

Payment 1: £2,000.00 by the 16th May 2011.

Payment must be received at these offices by the due date, and for the agreed amount. The full balance will become payable if you do not keep to these agreed terms.

Following your payment your credit file will be updated to show this account has been partially settled, the balance will be brought to nil and you will not be pursued for any further monies for this account. "

Well what a result !........

[Never-In-Doubt]

Re: Alland UE Diary

Ok understood Niddy, will do mate ....

Best thing to do mate. If they take action great! They'll quote the agreement in the claim (N1) which will be invalid when you show the letter confirming the agreement they rely on does not exist! They "could" issue a recon THEN take action, that's it.

No recon means sod off hbos!!

[alland]

Re: Alland UE Diary

Ok understood Niddy, will do mate ....

[Never-In-Doubt]

Re: Alland UE Diary

Allan

Ok what you send to halifax is the template that in2deep suggested.

They simply cannot and will not take action if you STICK to the tried and tested format

I told you earlier that with hbos, if ANYONE hassles you then you send that template with a copy of their letter - that's it mate. The one you incorporated is incorrect for this account at this stage as you have lenders confirmation saying no agreement exists.

Go check my new website and click unenforceability - it even tells you there that lenders confirmation renders court action almost impossible!

[Never-In-Doubt]

Re: Alland UE Diary

Hey Swanny, if I incorporate any more templates into my letter it will be about four pages long !

no mate he was telling you I'd already done the template that you merged!!



So u didn't need to bother!

[alland]

Re: Alland UE Diary

Hey Swanny, if I incorporate any more templates into my letter it will be about four pages long !

I'm not sure the average DCA can hold their attention span long enough to read four pages, in fact I'm not totally convinced they can read at all...

[swanfan]

Re: Alland UE Diary

Threat of Legal Action & Refusal of Doorstep Visit

Niddy special that incorporates both Allan.

[alland]

Re: Alland UE Diary

Thanks in 2 deep, good point.

So I have actually drafted a letter that incorporates wording from both the "Threat of Litigation" and the "Lender confirms no CCA" letters

So hopefully that will get Moorcroft to drop it and pass it back to Halifax, Incidentally Moorcroft are the 4th DCA to attempt recovery action, the other 3 dropped the account after receiving a copy of Halifax's letter confirming they could not produce a CCA.

[Deepie]

Re: Alland UE Diary

Hi Alland
I would send this with a copy of letter from Halifax
NEWCCA Query - Letter Previously Confirming No CCA