Alland UE Diary

[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

anything happening mate, or all quiet?

[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

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

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 ?

[alland]

Re: Alland UE Diary

06-02-11 Update #2

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Finally a received a response to my CCA request which was originally made in May of last year.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 it is nothing more than 5 pages of T&C, there is nothing on the "agreement" signed by me or RBS.

Responded with only "Termas & Conditions Supplied" template

25-01-11- Letter from Triton demanding payment
27-01-11 I responded with Account in Dispute template letter

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.

[alland]

Re: Alland UE Diary

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 ?

Update 07-02-2011

Letter received today from Robinson Way -
"Dear Mr Alland , In view of the contents of your letter dated 25th January 2011, we have now stopped all collection activity and closed the account, we have returned all account data to HBOS. They may choose to contact you about the account in the future.
Note: We have informed HBOS of the reasons we have closed the collection activity on the account."

So no longer any need to respond right now, will just await HBOS's next move.

Team Niddy 1
Robinson Way 0

[Never-In-Doubt]

Re: Alland UE Diary

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 ?

Have they signed for your last letter yet? I suspect they have crossed in post/filing system so just ignore for moment.

[Never-In-Doubt]

Re: Alland UE Diary

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.

Send this back: ---> Threat by Lender/D.C.A - To commence litigation

[Never-In-Doubt]

Re: Alland UE Diary

Update 07-02-2011

Letter received today from Robinson Way -
"Dear Mr Alland , In view of the contents of your letter dated 25th January 2011, we have now stopped all collection activity and closed the account, we have returned all account data to HBOS. They may choose to contact you about the account in the future.
Note: We have informed HBOS of the reasons we have closed the collection activity on the account."

So no longer any need to respond right now, will just await HBOS's next move.

Team Niddy 1
Robinson Way 0

Oops, nice one - result mate! Keep that letter safe as well

[alland]

Re: Alland UE Diary

Cheers Niddy,
Will get the Threat of Litigation letter sent off to Triton...

[alland]

Re: Alland UE Diary

RBS Mint card
This is mostly relevant to the new thread, in that it is 100% unenforceable for more ways than one 1

1. No Prescribed Terms
2. The terms they sent are recent - not from 1996
3. The "original terms" are dubious, to say the least but are not part of the signature page in any case
4. The best one, you ticked for PPi and as such, you should have two agreements - one for PPi and one for the card "limit" - as explained here: Multiple Agreements ---> http://forums.all-about-debt.co.uk/v...p=12111#p12111

[/quote:3ivhukgb]

Update 30/10/10

Letter from Triton - Quote " [size=5]Our records confirm that RBS (Mint card) issued a full response to your request under section 78 of the CCA act. and enclosed all the relevent documention. Finally on 2nd September they issued a "final response" confirming they had met their obligation uinder the CCA act.
Therefore if you do not comply with payment it will leave us no alternative but to commence further action against you without further warning or delay " Unquote


So respond with this: ---> viewtopic.php?p=2318#p2318

Update 16-02-11

Letter received from Green & Co Solicitors, to say they have been instructed by Triton stating -

"We understand that despite formal demand for payment, the above account remains unpaid, and we are likely to be instructed to commence court proceedings without further notice. You have one final oppotunity to make payment to Triton withon secen days before we proceed."

Going to respond with "Threat of Litigation" Template

[Never-In-Doubt]

Re: Alland UE Diary

Update 16-02-11

Letter received from Green & Co Solicitors, to say they have been instructed by Triton stating -

"We understand that despite formal demand for payment, the above account remains unpaid, and we are likely to be instructed to commence court proceedings without further notice. You have one final oppotunity to make payment to Triton withon secen days before we proceed."

Going to respond with "Threat of Litigation" Template

Send this off: ---> Threat-o-Gram - Letter before Action

[alland]

Re: Alland UE Diary

Thanks Niddy, will do...

[alland]

Re: Alland UE Diary

06-02-11 Update #2
RBS M/Card

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.

Send this back: ---> Threat by Lender/D.C.A - To commence litigation

Update 28-02-11
Letter received from Greens Solicitors -
"We have been instructed to write to you by our clients Triton Credit Services as you have failed to settle the above account, Triton request that you contact them to make a payment to settle the account or in order to make a suitable repayment arrangement.
Failure to contact Triton Credit Services and make a suitable arrangement to settle this account, may result in Triton taking legal action for recovery of the amounts owing."

Thinking of responding with - Threat-o-Gram - Letter before Action

NB: I notice Triton Credit Services and Greens Solicitors are trading names of RBS, so no doubt just another ploy by the bank to mislead customers by using different trading titles to confuse people with their scare tactics. (another unethical thing "Greens" do - They use window type address envolopes and fold the letter to make the word Solicitors in Bold type clearly visible in the envolope window !) obviously to upset the addressee who may be worried that other people may see the letter..I first noticed this folding the letter tactic on another letter I received from Greens a while back in relation to my UE RBS/Mint account.