Alland UE Diary

[alland]

Re: Alland UE Diary

Update 16/12/10

Lloyds TSB Card

Letter from MHA Collections - [size=5]We have been instructed by Lloyds TSB to recover the arrears of this account.
Pay immedietely or SCM Solicitors may commence legal proceedings.
If you with hold payment a judgment will be obtained against you. We urge you to give this matter your immediate attention.

Will respond with account in dispute letter ?

[alland]

Re: Alland UE Diary

Update 16/12/10

Halifax Credit Card

Letter received from Wescot - "Our latest enquiries show you are still resident at this address (Why shouldn't I be I have been writing to you :teeth monthly from here?)

Unless you contact us within the next ten days collection activity will begin for recovery of the full amount.
Please do not ignore this letter or action may include legal action through the courts (I already have a letter from Halifax stating they are unable to enforce in court because they can't produce original CCA) Or we may refer your debt to a "Door Step Collection Agency" to carry out a collections visit at your home.

Not sure which template letter to respond with?

[alland]

Re: Alland UE Diary

Update 16/12/10
MBNA Accounts

MBNA Visa card
MBNA Sony Card
MBNA Alliance & Leicester M/card

Letter received - Stating "[size=5]At least one of the credit cards issued by us (or issued by us on behalf of an inffinity partner) is due to be written off as a bad bebt next month. This means that you will be liable for the full balance of the account. If you do not settle we may emply a collection agency or sell this debt when it has been written off. Which means we will no longer be able to resolve the matter."

I suppose all I should do now is sit it out and see what develops on these accounts.

[Never-In-Doubt]

Re: Alland UE Diary

Bloody hell, only been here 4 days and I'm turning into a redneck... ;D

[alland]

Re: Alland UE Diary

Cheers Niddy, y'all don't get too cold over there, yer here....

Bloody hell, only been here 4 days and I'm turning into a redneck... ;D

[Never-In-Doubt]

Re: Alland UE Diary

Ok Quick diary update 28/11/10

Monument Card

Letter from Monument stating - [size=5]"As you have failed to meet the terms of the CCA, the account is terminated and the debt is now being sold to CompuCredit International Ventures ("CCIV") a part of the CompuCredit group. We have been informed that CCIV will be placing your account debt with Circuit Financial Solutions ("Circuit") for recovery. One of their agents will contact you shortly to arrange the collection of the outstanding amount".

Never heard of this lot before, But as I am going away in the next couple of days, I suppose I will have to wait until I return to see what they have planned for me

Hiya, don't worry about this, typical threats.....

Hope you're having fun in the you ess of eh!

[alland]

Re: Alland UE Diary

Ok Quick diary update 28/11/10

Monument Card

Letter from Monument stating - [size=5]"As you have failed to meet the terms of the CCA, the account is terminated and the debt is now being sold to CompuCredit International Ventures ("CCIV") a part of the CompuCredit group. We have been informed that CCIV will be placing your account debt with Circuit Financial Solutions ("Circuit") for recovery. One of their agents will contact you shortly to arrange the collection of the outstanding amount".

Never heard of this lot before, But as I am going away in the next couple of days, I suppose I will have to wait until I return to see what they have planned for me

[alland]

Re: Alland UE Diary

Hiya Niddy,

Ok no letters then, I will have to be a bit more vigilant now when I answer the phone, half the problem is if I am on one line and the other line rings, one of my lads will pick it up and just say, "yes he's on the other phone, just hang on".. ;D

When anyone rings and asks for me, if I don't recognise their voice, I do ask who is it before confirming who I am, but this woman last week caught me out by lying that she was calling from the Inland Revenue...

[Never-In-Doubt]

Re: Alland UE Diary

Hiya

Or next time they ring (in fact next time anyone rings) ask who it is first! So when someone calls and asks "Is that alland" you say "who is this" - if they do not say then just hang up. If it is a debtor then you simply answer "Sorry, he no longer works here". Leave it at that.

Don't send letters off yet, especially not harassment at work cos that confirms to them that it is bothering you - as it is your own company you need to let them think you no longer work there!

[alland]

Re: Alland UE Diary

Cheers niddy mate..

Their number was blocked, I wish I did know who it was, I'm sure it is crossing the line by impersonating an Inland Revenue official... the real "Tax Man" gives me the willies even when I have done nowt wrong , never mind the pretend ones... :bert

I will await further calls now which will be odds on from the same company, but of course they will deny it was them posing as the Inland Revenue.

There is no reason for any of them to contact me at work to confirm my residential address as I am in constant postal correspondence with them all anyway, I've not done a runner....YET

So it must have been just to confirm my work number as they have no other way of speaking to me personally.

Once they do make themselves known. I will fire off the no contact at work letters.

[Never-In-Doubt]

Re: Alland UE Diary

alland mate - calm down, just wait - if the calls keep coming then we'll sort them for you.

No visits at work, if they do that you'll have em by the short & curlies mate - that is simply not acceptable. They have a reasonable right to visit you at home, but not at work (this breaches oft guidance as it is embarassment also giving away the fact you're in debt which is breach of dpa)....

Dinnae stress man - you have your own secret weapon remember --- The Nidster lol....

!

[billypre]

Re: Alland UE Diary

Was the number with held i assume ?

Think i am right in saying that they cannot visit you at work until they let you know first by way of a letter detailing their exact date/time of visit. Then you can simply refuse their visit with one of Nids templates. Same at home. They shouldn't really be calling your work either as im sure its harrassment. Sure someone will be along to advise you properly soon.

Don't get stressed out !

[MustGetStraigh]

Re: Alland UE Diary

Did the number show up, do you know which DCA it might be? That's very very very sneaky but doesn't surprise me in the least. Aren't they awful.

[alland]

Re: Alland UE Diary

Quick update and warning of dodgy DCA tactics !

Just answered a phone call at work, woman on other end says can I speak to Allan ******
I said yes, how can I help you ( lots of people ring me in the course of the day who would ask for me by name)

She says, Hi I'm ringing from the Inland Revenue, we have been writing to your home address at ******
and it is being returned marked "not at this address", can you tell me if you are still residing at that address ?

I thought hang on,this does not sound right !, and I have no issues outstanding with the tax man, and all my creditors know my residential address, and I don't send any letters back "Not Known at this address"..although I have been tempted !
So I asked again, "where are you calling from", Inland Revenue she repeats... I said I'm sorry but I don't really know that do I, which office are you calling from ? she says London, Right I said, can I have your phone number to call you back, then I know I am talking with the Inland revenue ?....yes she says....then a pause.....and she hangs up !

Bloody annoyed I was caught out, because until now non of the creditors I am in dispute with had my works number or my home number as both numbers had changed since I took out the credit cards, so I have enjoyed freedom from the constant barrage of phone calls some folk unfortunately have to put up with.

Obviously she was from a credit card company or a DCA.

I suppose whoever it was had simply "googled" my name, and it has led them straight to my business address and phone number... I suppose I'm now going to get more calls and maybe a visit here at work. Which will be a bit of a bugger, as only my Son here at work knows the crap I am in, non of the lads who work for us know of my situation.
Could have done without it right now as I am going away next week, and anyone here could pick up the phone and speak to these :beaker :bert

I was having such a good day too....

[Never-In-Doubt]

Re: Alland UE Diary

Cheers matey