Alland UE Diary

[cymruambyth]

Re: Alland UE Diary

Isn't it nice to know that haven't been forgotten whilst away

[alland]

Re: Alland UE Diary

Update 13-04-14
OC MBNA Sony Card (Now owned by Arrow Global)
Balance £3,820.15
Last Pd.May 2010

Update 30 -01-14

9-01-14 Letter received from Clarity, confirming they are now handling the account on behalf of Arrow Global, and are kindly offering me a 50% discount on the outstanding amount if I agree to a F&F settlement...

Will respond with the "sold while in dispute" letter. and see how they respond to that.

08-04-14 Letter received from Clarity, I previously advised them that the account was in dispute regarding my CCA request, they have now sent me a copy of my application form and a separate set of generic Terms & Conditions, I think I will respond with “CCA missing prescribed Terms” template.

[alland]

Re: Alland UE Diary

Update 13-04-14
Lloyds TSB Visa
Balance 12,827.32
Last paid May2010

Update 13-12-13

Well it didn't take Marlin long to come a knocking !
Received a letter from them confirming they have bought all rights to the account from Lloyd's, and have given me 5 days to contact them to an affordable repayment plan of the outstanding amount.
will have to consider a suitable response, new CCA request? or Account sold while in dispute?

Lloyds TSB Visa account Sold to Marlin Dec 2013

08-04-14 Letter from Marlin along with copies of all my previous statements relating to the card, and inform me that they are still awaiting a copy of my CCA. So I won’t respond to this and see what they come up with next.

*Interestingly I also received a letter from Capquest also informing me they have bought my Lloyds TSB account, I was initially confused by this as Marlin only recently bought it off Lloyds TSB Banking, and it also shows a different card account no. and outstanding amount, on looking back at my files the account number and outstanding amount relates to my Halifax Visa card account not my Lloyds Visa, so it looks like they have their wires crossed on this one, anyway I have sent off a new CCA request so I’ll see what they come up with (incidentally I have a previous letter from a couple of years back from Halifax stating they could not supply my CCA and therefore would not attempt to enforce the alleged debt via the courts, I think I’ll keep this under my hat for a while and see what Capquest’s next move is)

[alland]

Re: Alland UE Diary

Update 3-04-14
Opus card (Formally Citi Financial)
Balance £16,658
Last paid Feb 2010
Defaulted August 2010

Update 18-02-14

Passed around a few different DCA's before being sold to Cabot in May 2011 various standard demands for payment from them since they bought the account.

After hearing nothing from Cabot on this account since middle of last year, I’ve now received a letter from them advising me that Opus have no record of me disputing this account, and asking me to supply evidence to support my claim that the account is in dispute with them.

When I originally started my UE claim in 2010 the account was Citi Cards (really old account this was formally Peoples Bank dating back to 1999 !), Citi did send me a CCA copy and separate T& C which at the time was deemed UE, almost immediately after that time Citi sold all their UK business to Opus (CC Asset Management ltd.), I never actually heard anything from Opus, and they unloaded my account onto Cabot soon after taking it over from Citi Cards.

Once I had a demand for payment from Cabot I replied that the account was in dispute with Citi in respect of my CCA request, they said they would investigate my claim and get back to me, months later Cabot sent me the same CCA & T&C copies that Citi originally sent me and advised me they had fully complied with the 77s-79 CCA 1974 Act.
I responded with the missing prescribed terms template and I’ve no word from them until now.

As it is one of the bigger accounts that I’m fighting I want to make sure I respond correctly to their letter, not yet sure with what though to be honest. !

08-04-14 Letter from Cabot telling me they have once again complied with my CCA request, Quote” We will no longer correspond to letters of this nature, as the matter has been addressed therefore the dispute has been resolved and we are returning your account to our “Customer Operations Dept.” Unquote

Not sure how I will respond to this right now, maybe a “final response” template letter? Cabot have had this account now since May 2011 and I’ve been playing letter “ping pong” with them ever since, so it looks like they are not going to go away easily…

[alland]

Re: Alland UE Diary

Update 18-02-14

Opus card (Formally Citi Financial)
Balance £16,658
Last paid Feb 2010
Defaulted August 2010
Passed around a few different DCA's before being sold to Cabot in May 2011 various standard demands for payment from them since they bought the account.

After hearing nothing from Cabot on this account since middle of last year, I’ve now received a letter from them advising me that Opus have no record of me disputing this account, and asking me to supply evidence to support my claim that the account is in dispute with them.

When I originally started my UE claim in 2010 the account was Citi Cards (really old account this was formally Peoples Bank dating back to 1999 !), Citi did send me a CCA copy and separate T& C which at the time was deemed UE, almost immediately after that time Citi sold all their UK business to Opus (CC Asset Management ltd.), I never actually heard anything from Opus, and they unloaded my account onto Cabot soon after taking it over from Citi Cards.

Once I had a demand for payment from Cabot I replied that the account was in dispute with Citi in respect of my CCA request, they said they would investigate my claim and get back to me, months later Cabot sent me the same CCA & T&C copies that Citi originally sent me and advised me they had fully complied with the 77s-79 CCA 1974 Act.
I responded with the missing prescribed terms template and I’ve no word from them until now.

As it is one of the bigger accounts that I’m fighting I want to make sure I respond correctly to their letter, not yet sure with what though to be honest. !

[alland]

Re: Alland UE Diary

They're easy to beat, don't worry - see what they say

Cheers mate will wait and see what they send..

[Never-In-Doubt]

Re: Alland UE Diary

They're easy to beat, don't worry - see what they say

[alland]

Re: Alland UE Diary

Update 31-01-14
Capital One Visa

Update 3-2-13
Capitol One Card (UE)
Having not heard anything since last May,
Cabot have raised their heads again Re the above Capitol One account, I have already made it clear to them that I have only ever received a credit application form and updated set of T&C and never received a properly executed CCA from Capitol One and therefore the account is in dispute.

Will back write and remind them again to refer back to previous correspondence.

Update 05-05-12

As my diary was way down on page 5, I thought I would do a bit of an update to bring it back up again. After working overseas for 5 weeks it was a pleasant surprise to come home to find very few letters from the DCA's.
Just a couple that need addrssing...

Capitol One Card (UE)
Balance £4,202Last Paid April 2010
Defaulted August 2010
Account passed around a couple of DCA's, but now owned by Cabot

9th December 2011- Another letter received from Cabot insisting the Capitol One credit application form and T&C are fully compliant and the account is enforcable, so this matter cannot continue to go on, I must contact one of their helpful customer advisers to discuss the options for repayment of this debt !
3rd April 2012 - Letter from Cabot,insisting once again that they have fully complied with my s77/78 request by providing the correct documentation.
I responded and advised them that an application form that does not encompass all the T&C is not a compliant CCA, so I still consider the account in dispute.
16th April 2012 Letter from Cabot stating "Last chance to agree a suitable repayment plan before we move your account to our Pre Litigation Dept"
2 May 2012 Letter from Cabot - " You account has now been escalated to our Pre Litigation Dept. If we don't hear from you, we will make a decision on what the next stage of recovery to pursue, this could be County Court Judgment, Charging order on your property, attachment of earnings order, Order to Obtain Information - you may have to attend court to be questioned under oath by a court officer..
Alternatively we may instruct an External Debt Collection Agency or Legal Agency to call on you"

Judging by the rapid response by Cabot in replying to my letters, it looks like they are digging their heels in on this one and moving fast through each stage, so not sure what my next move will be yet....

Not had much stress from Cabot on this account for quite a while, now received a letter advising me that despite my continual insistence that the account is in dispute with the OC Capital One, they have been advised by Capital One that they fully complied with my 77/78 of the consumer credit act 1974 and issued a final response to me in this regard on the 2 August 2010.
So in conclusion they consider me liable for the repayment of the account.

Cabot go on to say they have assigned the account over to Wright Hassall Solicitors who will contact me to discuss repayment options available to me.
Had no previous dealings with Wright Hassall…hope they don’t live up to their name and become a “Right Hassle” ……

[alland]

Re: Alland UE Diary

Update 30 -01-14
OC MBNA (Now owned by Arrow Global)

Update 08-08-13
MBNA Visa
Balance £3,800 (ceased payments June 2010)
July 8th 2010 Requested CCA
July 21st 2010 Copy of application form plus T&C received

Nothing much happened on this account for months, it was sold to Arrow Global last year, they passed it around a few DCA's, who sent a few letters of threat but nothing too stressful.

Now received a letter from Debt Managers informing me they are now handling the account, will send "Sold in Dispute" letter and see what they come back at me with...

Update 09-01-14
MBNA Visa

Never did hear anything back from Debt managers so they must have decided it was a lost cause and passed it back to Arrow Global and it's been quiet on this account since then.

However yesterday I received a letter from Arrow Global notifying me that they have now assigned Clarity to administer the account on their behalf, I'm not going to respond to Arrow Global and will wait to hear from Clarity and then respond to them accordingly.

29-01-14 Letter received from Clarity, confirming they are now handling the account on behalf of Arrow Global, and are kindly offering me a 50% discount on the outstanding amount if I agree to a F&F settlement...

Will respond with the "sold while in dispute" letter. and see how they respond to that.

[alland]

Re: Alland UE Diary

When clarity write mate, either send a new CCA or ignore them - your choice

Cheers niddy, I was thinking along the lines of a new cca request ..I do prefer to keep a paper chain going rather than ignore, especially when a new "playmate" joins my fan club base....

[Never-In-Doubt]

Re: Alland UE Diary

When clarity write mate, either send a new CCA or ignore them - your choice

[alland]

Re: Alland UE Diary

Update 09-01-14
MBNA Visa

Update 08-08-13
MBNA Visa
Balance £3,800 (ceased payments June 2010)
July 8th 2010 Requested CCA
July 21st 2010 Copy of application form plus T&C received

Nothing much happened on this account for months, it was sold to Arrow Global last year, they passed it around a few DCA's, who sent a few letters of threat but nothing too stressful.

Now received a letter from Debt Managers informing me they are now handling the account, will send "Sold in Dispute" letter and see what they come back at me with...

Never did hear anything back from Debt managers so they must have decided it was a lost cause and passed it back to Arrow Global and it's been quiet on this account since then.

However yesterday I received a letter from Arrow Global notifying me that they have now assigned Clarity to administer the account on their behalf, I'm not going to respond to Arrow Global and will wait to hear from Clarity and then respond to them accordingly.

[alland]

Re: Alland UE Diary

I agree with others, send a new cca. They won't credit the £1 and get away with it

Cheers niddy a new CCA request it is and see what they come up with

[Never-In-Doubt]

Re: Alland UE Diary

I agree with others, send a new cca. They won't credit the £1 and get away with it

[Never-In-Doubt]

Re: Alland UE Diary

not too sure if this is the one, Niddy refer to?

Marlin Mass Purchase Thread

most recent --> http://forums.all-about-debt.co.uk/s...l=1#post359989