Alland UE Diary

[alland]

Re: Alland UE Diary

Update 7-11-10

HBOS
November 1st. Letter from Wescot stating - [size=5]We acknowledge that you are in dispute with this acount, we would like to confirm how this will be investigated.
We Will suspend all collection activity on the account while it is being investigated.
However we may need to contact you if we require further details or wish to clarify any information you may have supplied us with - to make contact quicker and easier for you, please let us have your contact phone number ( Yeh right!)

As our investigation will require us to contact our client, this process may take several weeks. We would appreciate your patience during this time.
(Hey take as long as you want.. )
?

06-02-11 Update #1

Ref. HBOS

Ok, 13-01-11 letter from Wescot -confirming they do not hold any more infomation and have closed their account and passed it back to HBOS.

24-01-11 letter from Robinson Way, "Formal Demand For Payment" informing me that HBOS have appointed them to recover the outstanding amount.

25-01-11- I responded with account in dispute template letter, and attached a copy of the letter I have from HBOS stating that they will NOT seek to enforce in court due to lack of prescribed CCA.

02-01-11 received another letter from Robinson Way - "IMMEDIATE ACTION REQUIRED" Failure to act now may result in further action to recover the amount due "

Not sure what to respond with - or just ignore for now ?

[Never-In-Doubt]

Re: Alland UE Diary

Very quiet niddy mate, if fact so quiet it's eerie....but not getting too complacent just yet, I'm sure battle will resume shortly...

Nice one, lets hope these posts don't rock the boat yea?

[alland]

Re: Alland UE Diary

Very quiet niddy mate, if fact so quiet it's eerie....but not getting too complacent just yet, I'm sure battle will resume shortly...

[Never-In-Doubt]

Re: Alland UE Diary

anything happening mate, or all quiet?

[alland]

Re: Alland UE Diary

Thanks for the updates Niddy,

Especially about favouring one creditor over another, "MUST NOT DO"
A simple but important rule I must remember while on my UE journey.

[Never-In-Doubt]

Re: Alland UE Diary

Update 20/01/11

Not much to report since last updates above, other than a letter yesterday from 1st Credit, on behalf of Egg.

Dear Mr Alland,
We are fully aware that many people are experiencing financial problems at this time.
But we have good news for you, we are in a position to offer you a substantial discount to settle this outstanding debt and write off the balance. Of course you must appreciate we can't hold this fantastic offer open for long, so PLEASE call us within 24hrs.......

I wonder what the substantial discount will be - the £3K in interest charges Egg have loaded on the account since I ceased paying last April?

As the outcome of any UE fight with Egg is still very much a grey area, not sure which way to jump with this, see what offer is on the table to draw a lin under this particular fight, or hang on and see what develops ??

I'd hang on right now mate, last thing you want to be doing is favouring creditors.....

[Never-In-Doubt]

Re: Alland UE Diary

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.

Not sure which letter to respond with, or my gut feeling is just wait and see what their next move is ?

Follow your gut feeling and ignore for the moment.

[Never-In-Doubt]

Re: Alland UE Diary

Update 08/01/11

Marbles visa

Letter from 1st Credit (not heard from these before) acting on behalf of Marbles M/card (BOS) demanding my immediate payment and states in capitol letters -
“DO NOT UNDERESTIMATE THE SERIOUSNESS OF THIS MATTER”

As I already have a letter from Marbles stating that they cannot comply with my CCA s78 request and they cannot enforce the agreement in court even though they still consider the debt to be valid. I will write back to 1st Credit and attach a copy of Marbles letter.

You photocopy the letter from Marbles, highlight the relevant text and send it with a copy of this: ---> NEW CCA Query - Letter Previously Confirming No CCA

[Never-In-Doubt]

Re: Alland UE Diary

Update 08/01/11

Lloyds TSB Visa

Letter received stating that they repeat – That although I believe the CCA to be UE, the agreement I signed with them is fully valid and contains all prescribed T&C, and as they sent me copies of the CCA to comply with my S78 request, if I do not begin to make immediate monthly payments they will have no option but to instruct their solicitors to begin legal proceedings to enforce the agreement.

The letter goes on to quote a recent press release by Mr Ray Watson (Director of the OFT’s Consumer Credit Group) that states [size=5]"Consumers have a right to information on debts they owe, but it is important that they realise that these sections of the act cannot write off legitimately owed debts".

Not sure if any response is needed to this or just wait and see what their next move is?

Ignore.

[Never-In-Doubt]

Re: Alland UE Diary

Update 08/01/11

Monument Visa

Letter from Monument stating they have supplied a CCA that is fully enforceable (also enclosed a copy of their last final response in respect of my CCA UE claims dated 19th July2010)
Strangely back in November Monument confirmed they had sold the account to CompuCredit, who via their in house DCA (Circuit Financial Solutions) wrote to me confirming CompuCredit are the new owners of the account and demanding payment of the debt.

At the time I responded with the account sold while in dispute letter, so it looks like CompuCredit have thrown the account back at Monument?

Just ignore

[alland]

Re: Alland UE Diary

Update 20/01/11

Not much to report since last updates above, other than a letter yesterday from 1st Credit, on behalf of Egg.

Dear Mr Alland,
We are fully aware that many people are experiencing financial problems at this time.
But we have good news for you, we are in a position to offer you a substantial discount to settle this outstanding debt and write off the balance. Of course you must appreciate we can't hold this fantastic offer open for long, so PLEASE call us within 24hrs.......

I wonder what the substantial discount will be - the £3K in interest charges Egg have loaded on the account since I ceased paying last April?

As the outcome of any UE fight with Egg is still very much a grey area, not sure which way to jump with this, see what offer is on the table to draw a lin under this particular fight, or hang on and see what develops ??

[alland]

Re: Alland UE Diary

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.

Not sure which letter to respond with, or my gut feeling is just wait and see what their next move is ?

[alland]

Re: Alland UE Diary

Update 08/01/11

Marbles visa

Letter from 1st Credit (not heard from these before) acting on behalf of Marbles M/card (BOS) demanding my immediate payment and states in capitol letters -
“DO NOT UNDERESTIMATE THE SERIOUSNESS OF THIS MATTER”

As I already have a letter from Marbles stating that they cannot comply with my CCA s78 request and they cannot enforce the agreement in court even though they still consider the debt to be valid. I will write back to 1st Credit and attach a copy of Marbles letter.

[alland]

Re: Alland UE Diary

Update 08/01/11

Lloyds TSB Visa

Letter received stating that they repeat – That although I believe the CCA to be UE, the agreement I signed with them is fully valid and contains all prescribed T&C, and as they sent me copies of the CCA to comply with my S78 request, if I do not begin to make immediate monthly payments they will have no option but to instruct their solicitors to begin legal proceedings to enforce the agreement.

The letter goes on to quote a recent press release by Mr Ray Watson (Director of the OFT’s Consumer Credit Group) that states [size=5]"Consumers have a right to information on debts they owe, but it is important that they realise that these sections of the act cannot write off legitimately owed debts".

Not sure if any response is needed to this or just wait and see what their next move is?

[alland]

Re: Alland UE Diary

Update 08/01/11

Monument Visa

Letter from Monument stating they have supplied a CCA that is fully enforceable (also enclosed a copy of their last final response in respect of my CCA UE claims dated 19th July2010)
Strangely back in November Monument confirmed they had sold the account to CompuCredit, who via their in house DCA (Circuit Financial Solutions) wrote to me confirming CompuCredit are the new owners of the account and demanding payment of the debt.

At the time I responded with the account sold while in dispute letter, so it looks like CompuCredit have thrown the account back at Monument?