Alland UE Diary

[alland]

Re: Alland UE Diary

Update 07-05-11
Halifax Credit Card

Letter received from Moorcroft DCA.

"We have been instructed by halifax to collect your overdue debt. It is a legal requirement to send a notice of Intended Litigation before legal proceedings in the County Court, we believe this letter fulfils that requirement even if it is not actually read by you.
To prevent our recommending to our client that solicitors commence legal proceedings, it is essential that you settle this debt without delay.Pay in full within 7 days, or trelephone or write to our office to make a payment offer."

Goes on to say what will happen if their client does obtain a court judgment, and how my credit rating will be affected, and how I will incur legal costs to pay as well as the debt.
Obviously Moorcroft are unaware that I have a letter from Halifax stating they cannot comply with my CCA request, and therefore although they cannot seek enforcement through the courts, they will still pusure for payment.

I will respond with "Threat of Litigation letter" and attached a copy of the Halifax addmission letter.

[alland]

Re: Alland UE Diary

Update 16/12/10
Barclaycard Mastercard (Morgan Stanley)
Since first applying for my CCA in May, Barclaycard have now obtained a copy of my CCA from the original account owner - Morgan Stanley.
CCA emailed to Niddy for review

This is unenforceable matey gh
Respond with the following: ---> viewtopic.php?p=1629#p1629

Update 08/01/11

Barclaycard (formally Morgan Stanley Account)
Letter stating that in response to my previous correspondence (disputing the CCA) they have fully complied with my s78 request, and believe the CCA is properly executed with all prescribed terms in place, therefore reject my claim of being UE, and will continue to pursue the outstanding debt in accordance with the Barclaycard Conditions.

My gut feeling is just wait and see what their next move is ?

Update 06-05-11
Barclaycard (Formally Morgan Stanley card)
Balance £6,469.
Ceased payments May 2010

Barclaycard have been quiet on this one apart from a letter from Debt Managers Ltd. beginning of April, I sent them the account sold while in dispute template letter, and they wrote back to say they had passed it back to Barclaycard and closed their file on it.

Now letter received today from Robinson Way who have now taken over as the newly appointed DCA.

"Our clients have authorised us to recover the full amount you owe,PLEASE PAY THE FULL AMOUNT WITHOUT DELAY. or call us directly yo arrange a payemnt plan.
If you do not pay or agree to a payment plan,we may advise our client to start court action. One of the following may occur:
* An application is made to court to enforce repayment
* Future credit will be difficult to obtain (Thank Fek for that)
* This account will continue to be a worry to you it (Will have to wait it's turn in the worry queue)
This debt will not go away or be forgotten, no matter how much you would like that to happen. ()
CALL NOW TO PAY OR AGREE A PAYMENT PLAN"

Will respond with the account sold while in dispute letter.

[Never-In-Doubt]

Re: Alland UE Diary

Cheers mate will do

[alland]

Re: Alland UE Diary

Cheers mate will do

[Never-In-Doubt]

Re: Alland UE Diary

Yep - send account sold and see what happens, it buys time - regardless....

[MrsD]

Re: Alland UE Diary

Mr D got the same letter from the same people Allan, just going to send the account sold in dispute and see what happens.

[alland]

Re: Alland UE Diary

Update 20/11/10
Barclaycard (Goldfish)
20/11/10 Letter received in response to my CCA request, also enclosed my original application form and copy of T&C.
Will email to Niddy for review.

This is their final response, just ignore it. They will always dispute your allegations, failure to do so would result in account termination and write off of the balance! Muppets....
See what happens when they sell it (which will no doubt be the next choice for them!)....

Update 03-05-11
Barclaycard (Formally Goldfish) current balance £8,541.12

Having heard nothing more for quite a while. Today I received a letter from Credit Solutions Ltd.

"We act as agents for Barclays Bank plc trading as Barclaycard. They have informed us that you have not complied with the default noticem they sent to you. The balance stated is now due in full, and Barclycard demands that you must pay this immediately. (Envelope for your payment is provided) How thoughtful
Statements will no longer be sent to you (Not had any statements for months) and interest will be charged on the outstanding amount at the rate of 1% per month."

So looks like Barclaycard are still hanging on to the account and still adding interest !

[Never-In-Doubt]

Re: Alland UE Diary

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.

Cheers mate, keep us updated - I hope £2k isn't the maximum offer lol, usually we start low and have reserve to make it higher so if you had £4k then i'd suggest starting at £2k, then haggle in blocks of £200 until they do accept.... everyone accepts at some point, they just don't know when that will be!

[alland]

Re: Alland UE Diary

Done a financial statement of income and outgoings in response to Eggs 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.

[alland]

Re: Alland UE Diary

Thanks for the super quick replies niddy mate,
Will send off response letters in the morning for the RBS & LTSB accounts..
Will think things over for a few days in respect of the Egg offer.

I may well construct some sort of Financial statement, and once they see there are a whole bunch of card creditors all wanting a slice of my "paltry" income, it may well slow them up a bit with their demands !
Like you say, if fair to one then got to be fair to the lot of them, which will mean there will not be a lot to go round.....

[Never-In-Doubt]

Re: Alland UE Diary

Update 19/04/11
RBS M/Card (Deemed UE)

Letter received from RMA.
"Please accept this letter as notification that due to non payment, your above RBS account has been passed to RMA, a third party debt collection agency who are authorised to act as agents for RBS Bank to recover monies outstanding.

As stated in the formal demand previously issued to you by RBS, the balance stated (£6,560.81) is now due in full, and RBS requests that you pay the amount immediately. RBS will no longer accept any further communication from you therefore you should direct all communication and payment to RMA.

If you are unable to repay your debt in full you must contact RMA in the first instance to arrange a suitable payemnt arrangement to avoid further action".

You could play silly buggers and write back just saying you require sight of assignment deed prior to communicating with them, otherwise you'll continue to communicate with the original creditor, RBS. See what they say to that!

Although, we both know they have not been assigned the account, they have simply been asked to pursue the debt on behalf of RBS so you could do the above; or just send this instead (you decide): ---> Debtors Final Response - CCA Received

[alland]

Re: Alland UE Diary

Update 19/04/11
RBS M/Card (Deemed UE)

Update 06/01/11
RBS M/card
Finally a received a response to my CCA request which was originally made in May of last year.
RBS have sent what they say is a copy of my CCA, but to my untrained eye, it looks nothing more than 5 pages of T&C, there is nothing on the "agreement" signed by me or RBS.

06-02-11 Update #2
31-01-11 letter from Triton headed "NOTICE OF LEGAL PROCEEDINGS"
"We remain very disappointed that you have failed to settle, we have now recommended RBS that solicitors should be instruced to commence court proceedings against you.
And goes on the say what could happen if judgment is obtained, - bailiffs, charge on my property, ect. ect.

Letter received from RMA.
"Please accept this letter as notification that due to non payment, your above RBS account has been passed to RMA, a third party debt collection agency who are authorised to act as agents for RBS Bank to recover monies outstanding.

As stated in the formal demand previously issued to you by RBS, the balance stated (£6,560.81) is now due in full, and RBS requests that you pay the amount immediately. RBS will no longer accept any further communication from you therefore you should direct all communication and payment to RMA.

If you are unable to repay your debt in full you must contact RMA in the first instance to arrange a suitable payemnt arrangement to avoid further action".

[Never-In-Doubt]

Re: Alland UE Diary

Update #2 19/04/11
LTSB Card (Deemed UE)


Today I received a letter from Nelson Guest & Partners Solicitors.

"We have been instructed by Wescot Credit Services acting on behalf of Lloyds TSB regarding the above outstanding balance (£12,827.32) As a final attempt to avoid further action, Wescot is prepared to offer you a discount to settle your account. (it does not say what that offer is)

This offer is only available for a limited period.You should contact Wescot by 22 April 2011 to agree a suitable settlement, or the offer will be withdrawn and further action will continue to recover the full outstanding balance of £12,827.32 If you are unable to take advantage of this offer, Wescot will still consider a realistic payment plan,and you should contact them urgently to dicuss your options. Unless a suitable repayment plan is reached with Wescot within 10 days of the date of this letter, further recovery action will be taken".

Send this to Wescott: ---> Debtors Final Response - CCA Received

[Never-In-Doubt]

Re: Alland UE Diary

Update #1 19-04-11
Egg card

Ok two letters received today, (both showing same date) from ARC Credit Management in reply to my F&F offer to Egg. The offer I put forward was for £2K (the balance on the account with interest currently sits at £10,336.

Letter No1 states, "In order to accept your proposal of £2,000 in short settlement on the account, our client has stated that they require you to provide a full financial statement clearly showing your financial situation with your incomings, outgoings and list of creditors.If we do not receive your finanacial statement within 14 days,the offer of payment will be rejected and this account will be passed back to our solicitors for further action"

Letter No2 states, "We refer to your recent offer to pay and confirm that we are willing to accept £6,300 to settle this debt, so long as payment is made in accordance with the following terms: Payemnt 1: £6,300 by 30th April 2011"

A little confusing to say the least.. ...

They always say they require an I&E sheet - if you can "fudge" one then it's worth sending lol

[alland]

Re: Alland UE Diary

Update #2 19/04/11
LTSB Card (Deemed UE)

10-04-11 Update LTSB Card
Did not hear anymore from MHA Collections, but the account was eventually passed to Wescot earlier this year, I responded with "Account sold whilst in dispute" letter.
Have now received a response from Wescot dated 15/03/11
Dear alland,
We refer to your recent communication. Having contacted our client they have advised that your complaint has been resolved and we are to resume collection activity.
In the circumstances, we believe the dispute has now been resolved and the full balance or an agreed monthly instalment is required by return.
If in the event you believe you still have a valid dispute, please contact us with the details withon 14 days, otherwise your account will be returned to our recovery team for collection.
I Did not respond to above letter.

Today I received a letter from Nelson Guest & Partners Solicitors.

"We have been instructed by Wescot Credit Services acting on behalf of Lloyds TSB regarding the above outstanding balance (£12,827.32) As a final attempt to avoid further action, Wescot is prepared to offer you a discount to settle your account. (it does not say what that offer is)

This offer is only available for a limited period.You should contact Wescot by 22 April 2011 to agree a suitable settlement, or the offer will be withdrawn and further action will continue to recover the full outstanding balance of £12,827.32
If you are unable to take advantage of this offer, Wescot will still consider a realistic payment plan,and you should contact them urgently to dicuss your options. Unless a suitable repayment plan is reached with Wescot within 10 days of the date of this letter, further recovery action will be taken".