Alland UE Diary

[MrsD]

Re: Alland UE Diary

ooh result!!!

[Deepie]

Re: Alland UE Diary

Welldone alland.....

[alland]

Re: Alland UE Diary

Update 30-03-13

Co-operative Bank Visa
Balance £12,666.00

Update 14-02-13

Received a letter back from Lowells Portfolio, acknowledging my letter to them regarding account sold while in dispute of CCA request.
They advise they are going back to the Co-operative Bank for further information, and will contact me again as soon as they have heard more from the Co-op.

At least Lowell's haven't come straight back at me with a SD notice for now. So will just have to sit tight and see where we go from here with this one.

Nice Easter surprise from Lowell's !
Letter arrived from them this morning stating...
Despite the best efforts of the Co-operative Bank, they have been advised they are unable to find a copy of my alleged CCA due to the time lapsed since the account was opened. Therefore they have closed the account and no further demands will be made by Lowell's for the recovery of the alleged debt.

The letter goes on to advise me that should I still wish to pursue my request in obtaining a copy of my CCA, I should take the matter up directly with the Co-operative Bank.

Thank you and goodbye......

[alland]

Re: Alland UE Diary

Update 25-03-13

This is just par for the course with Crapbot. For three years, they did nothing with my case except send the same two silly templates in rotation, both of which were always ignored. Then, when it was within a year of SB, and when Neil “Asinine” Clyne took over as chairman, it started to go on the scenic tour of equitable assignees.

First up are always FIRE (Facetious Irrelevant Rubbish Emitted), and then when they get nowhere it gets farmed outside. I don't remember this ever happening when Uncle Ken (Maynard) was chairman.

I think it is a good sign. Crapbot are using less litigation than previously, and have started to use outside agencies to do the harassing which they used to do themselves. It is always better to have these things in the hands of those who can't take action, even though they can quickly refer it back to those who can. There is certainly no immediate danger.

SH

As you predicted SH, Crapbot have resurfaced today with notice of demand payment letters from FIRE,
Letter No 1 in connection with my alleged Citi Card debt, and letter No. 2 in reference to my Alleged Capitol One card debt.

The merry go round begins again.....

[MrsD]

Re: Alland UE Diary

it's a plan!

[alland]

Re: Alland UE Diary

Update 14-02-13

Update 03-02-13
Co-Operative Visa (UE)

Having not heard from anyone on this account for almost 12 months now been informed the Account now sold to Lowell's Portfolio, not had any previous dealings with these people so will see how aggressive they are, but as the alleged debt is nearly £13K demands will start pretty soon no doubt, in the meantime I will advise them that the account has been sold while in dispute..

Received a letter back from Lowells Portfolio, acknowledging my letter to them regarding account sold while in dispute of CCA request.
They advise they are going back to the Co-operative Bank for further information, and will contact me again as soon as they have heard more from the Co-op.

At least Lowell's haven't come straight back at me with a SD notice for now. So will just have to sit tight and see where we go from here with this one.

[ScabHunter]

Re: Alland UE Diary

This is just par for the course with Crapbot. For three years, they did nothing with my case except send the same two silly templates in rotation, both of which were always ignored. Then, when it was within a year of SB, and when Neil “Asinine” Clyne took over as chairman, it started to go on the scenic tour of equitable assignees.

First up are always FIRE (Facetious Irrelevant Rubbish Emitted), and then when they get nowhere it gets farmed outside. I don't remember this ever happening when Uncle Ken (Maynard) was chairman.

I think it is a good sign. Crapbot are using less litigation than previously, and have started to use outside agencies to do the harassing which they used to do themselves. It is always better to have these things in the hands of those who can't take action, even though they can quickly refer it back to those who can. There is certainly no immediate danger.

SH

[alland]

Re: Alland UE Diary

Update 10-02-13
Citi Financial card (now sold to Opus)
Last paid March 2010
Balance with added interest £16,658.22 !
Now with Cabot for collection activity

Update 17-01-12

Had another letter last week from Cabots insisting I get in touch to prevent legal action, I replied with the "Threat of Legal Action" template.

Now received another letter from them - "Final chance- get in touch to arrange re-payment options, or account will be sent to our "Pre-Litigation" dept."

Well Cabot have had just about every template now, and ignored everything I have sent them, so I suppose i will just have to wait and see how this progresses, may be soon time to engage the services of Paul and his legal team to fight my corner on this one.

Well after not hearing from Cabot for a year on this one, they have now wrote to advise me that they are now passing my account to their debt collection agency (Financial Investigations & Recoveries Europe Ltd) Whooa...thats a fancy long title ! I thought Cabot did their own dirty work.

Having never received anything from Citi cards or Cabot except a standard copy of Terms & Conditions, I will write back and refer them to my last letter pointing this out, and as such my position remains unchanged while Citi/Opus are in default of my CCA request.

Looks like my name has come to the top of the pile again with Cabot, this is the 2nd Letter from them in a week after having no communication from them for months ,the other being my Capitol One card account which they now own.maybe they will be going for the hat trick this week as they also own my Monument card account which I have had no word about for a year.
I'll keep you posted...

[pompeyfaith]

Re: Alland UE Diary

Update 03-02-13
Co-Operative Visa (UE)



Having not heard from anyone on this account for almost 12 months now been informed the Account now sold to Lowell's Portfolio, not had any previous dealings with these people so will see how aggressive they are, but as the alleged debt is nearly £13K demands will start pretty soon no doubt, in the meantime I will advise them that the account has been sold while in dispute..

I recently had a co-op non-debt from the co-op sold to lowells too and my letter no doubt came at the same time as you.

It is here:

An old sorted issue has raised it's ugly head - allaboutFORUMS

[diddlydee]

Re: Alland UE Diary

Bloomin' 'eck alland. You pop out for five minutes and look what happens!

Keeping it all crossed that you manage to stave them off, especially Lowlifes

[5corpio]

Re: Alland UE Diary

i would say if the account is sold is in dispute with the OC, then basically they can do diddly squit unless they can pull out a CCA Agreement, in which case why didn't they produce it then?

i've telt them to pi** up someone else's tree (lowell- bed wetters, no balls to hold in there pants)

As each case is viewed different, best of luck Alland

[alland]

Re: Alland UE Diary

Update 03-02-13
MBNA Sony Card (UE)
Balance £2,900
Now Owned by Arrow Global Guernsey

Having been passed around a few DCA's since 2010 before being sold to Arrow Global, this account as now been passed to Rockwell for collection activity.
I never received anything other than a basic account application form from MBNA in answer to my CCA request.

Will write back to Rockwell and inform them the status of the account remains in dispute until such time I see sight of a compliant CCA.

[ScabHunter]

Re: Alland UE Diary

Lowell's Portfolio, not had any previous dealings with these people so will see how aggressive they are

They specialise in issuing Statutory Demands and then making people bankrupt. With an alleged debt of that size, the threat needs to be taken seriously. Make sure you are aware of the procedure for setting demands aside, because you only have 18 days to do so.

It may never happen, but I would certainly want to be prepared in case it did.

SH

[alland]

Re: Alland UE Diary

Update 03-02-13
Co-Operative Visa (UE)

Update 12-02-12
Look like the Equidebt the last DCA to be writing to me on this account have given up on me, as I have now received a letter from Lewis Debt Recovery who say they are now acting on behalf of the Co-op for recovery of the debt.

Not had any dealings with this outfit before, so I will start the whole process again by sending them the "Account in Dispute" template

Having not heard from anyone on this account for almost 12 months now been informed the Account now sold to Lowell's Portfolio, not had any previous dealings with these people so will see how aggressive they are, but as the alleged debt is nearly £13K demands will start pretty soon no doubt, in the meantime I will advise them that the account has been sold while in dispute..

[alland]

Re: Alland UE Diary

Update 3-2-13
Capitol One Card (UE)

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....

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.