Alland UE Diary

[diddlydee]

Re: Alland UE Diary

Welcome back

[Never-In-Doubt]

Re: Alland UE Diary

Update 08-08-08

Halifax Card
Balance £13,573 (ceased payments April 2010)
May 19th 2010 CCA Request sent.
May 27th 2010 CCA received - UE


This account has been passed from one DCA to another for 3 yrs. always seen them off after sending them a copy of a letter I received from Halifax telling me that they could not find my CCA so are unable to pursue the debt through the courts.

Now received letters from Crapquest & Halifax to inform me the Crapquest now own the debt...

Will respond with "Sold in Dispute" letter, and maybe save my Halifax admission of no CCA letter for later up the road with my Capquest correspondence.

Mate it's not in dispute. There is no agreement - it's UE. End of

await their first threat then send the copy letter saying no cca. Don't mess around lol

[alland]

Re: Alland UE Diary

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-In-Doubt]

Re: Alland UE Diary

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...

wait till the new dca writes then do a cca


trust me

[alland]

Re: Alland UE Diary

Cheers mate, will do

[alland]

Re: Alland UE Diary

Update 05-02-12
Lloyds TSB Visa
Balance £12,837.32
Last payment May 2010
Defaulted Sept.2010

Not heard anything from LTSB or a DCA since a usual "pay or else" letter from Apex Credit Management back November 2011, I responded with "Account in dispute" template and did not hear anything else from them.

28th January 2012 - A statement of account from LTSB, just shows outstanding balance and says no interest is being added to the account and any payments made will be used to reduce the balance until it is paid off.

Strange thing is there is no demand for payment mentioned, and it is on LTSB headed notepaper and shows the registered office details of LTSB across the bottom, but the name & address on top for responding is actually Apex Credit Management office in Stratford upon Avon.
Maybe LTSB and Apex are one and the same ?

Update 25-02-12
Lloyds TSB Visa

25th Feb. Another Letter received from Apex Credit Management.

Following my "Account in Dispute letter" to them, they have finally replied with the following-

"We note your legal arguments, but unfortunately cannot agree.
The client Lloyds Banking Group have requested that you contact them directly to request an update on the dispute.
We confirm that we have placed the account on hold and you will not receive any further contact from us for 28 days to allow time for you to contact the client"

I have corresponded with the various template letters to Lloyds regarding a UE CCA during 2010/2011, so there is little point of contacting them again. So I suppose I will just have to sit this one out and see what level Apex plan to take it to next

Update 02-09-2013
Lloyds TSB Visa

Having heard nothing for months and months I have now received notification from Capquest advising me that they are now the "Owners" of my Lloyds TSB visa card account.

Will just have to sit on this and wait for the demands to begin before responding with anything...

[alland]

Re: Alland UE Diary

Update 21-09-13

Barclaycard Visa (formally Goldfish card)
Balance £8,900
Last Paid March 2010
Account administrators MKDP LLP

MKDP assigned to this account in mid 2012, various letters since then in response to my "Account in Dispute with OC" usually just to inform me they are attempting to get my CCA from the original creditor and collection activity is on hold.

Today I received a registered letter containing my original Goldfish account application form. And they now say as they have fully complied with my CCA request, I must call them to arrange payment of the outstanding debt.

I had received this application form in the past from Barclaycard along with a separate page containing the T&C.
It was previously deemed UE. What is different about this latest copy of the application form is the T&C are showing on the reverse side, it could simply be that originally Barclaycard just photocopied both sides and sent them on separate pages of paper. However the latest copy received today looks like it contains all the correct info apart from being a poor photo copy which makes it impossible to read the T&C.
.
Not sure if this will change the status from UE, but for now I will respond with letter template "illegible T&C" to buy some time while I consider my next move.

[SXGuy]

Re: Alland UE Diary

Has to be legible, so it remains UE as far as i can see.

[Paul.]

Re: Alland UE Diary

Update 21-09-13

Barclaycard Visa (formally Goldfish card)
Balance £8,900
Last Paid March 2010
Account administrators MKDP LLP

MKDP assigned to this account in mid 2012, various letters since then in response to my "Account in Dispute with OC" usually just to inform me they are attempting to get my CCA from the original creditor and collection activity is on hold.

Today I received a registered letter containing my original Goldfish account application form. And they now say as they have fully complied with my CCA request, I must call them to arrange payment of the outstanding debt.

I had received this application form in the past from Barclaycard along with a separate page containing the T&C.
It was previously deemed UE. What is different about this latest copy of the application form is the T&C are showing on the reverse side, it could simply be that originally Barclaycard just photocopied both sides and sent them on separate pages of paper. However the latest copy received today looks like it contains all the correct info apart from being a poor photo copy which makes it impossible to read the T&C.
.
Not sure if this will change the status from UE, but for now I will respond with letter template "illegible T&C" to buy some time while I consider my next move.

well dont forget that firstly the defaults issued by barclays are defective on a number of grounds, their s86 notices are bad and therefore cannot attract interest nor enforcement, and then theres the question of s78(4) when the account is assigned too.................

[MrsD]

Re: Alland UE Diary

mine appeared as well, just a pile of t&cs with my name typed on the front, sounds like they found an old box of stuff

[alland]

Re: Alland UE Diary

Update 17-10-13

Monument Visa
Balance £3,772 (ceased payments May 2010)
June 1st 2010 CCA requested.
June 25^th 2010 Application form and T&C received (UE)
Account assigned to JC International Acquisition LLC on 29-11-2010

Since this account was sold to JC International I have had just a couple of DCA’s send the usual "pay or else letters", following my replies of “Account Sold While In Dispute” they soon lost interest.
Until now the last contact I had was in December 2012.

Today I have received a letter from LRC Legal Recoveries & Collections Ltd (not had any previous dealing with this lot) saying they have been instructed by their client LRC to recover the total balance.
Pretty straight to the point letter….
Quote“ We expect payment no later than 11am on Tuesday 29^th October 2013. If you don’t pay or contact us to arrange a suitable repayment plan by the time indicated. Court proceedings may be started without further reference to you in conjunction to our partner solicitors Sharp, Young & Pearce. DO NOT IGNORE THIS LETTER” Unquote

Looks like I should maybe skip the Account in Dispute” letter and jump straight to the “Threat of Legal Action” template letter….

[Paul.]

Re: Alland UE Diary

Update 17-10-13

Monument Visa
Balance £3,772 (ceased payments May 2010)
June 1st 2010 CCA requested.
June 25^th 2010 Application form and T&C received (UE)
Account assigned to JC International Acquisition LLC on 29-11-2010

Since this account was sold to JC International I have had just a couple of DCA’s send the usual "pay or else letters", following my replies of “Account Sold While In Dispute” they soon lost interest.
Until now the last contact I had was in December 2012.

Today I have received a letter from LRC Legal Recoveries & Collections Ltd (not had any previous dealing with this lot) saying they have been instructed by their client LRC to recover the total balance.
Pretty straight to the point letter….
Quote“ We expect payment no later than 11am on Tuesday 29^th October 2013. If you don’t pay or contact us to arrange a suitable repayment plan by the time indicated. Court proceedings may be started without further reference to you in conjunction to our partner solicitors Sharp, Young & Pearce. DO NOT IGNORE THIS LETTER” Unquote

Looks like I should maybe skip the Account in Dispute” letter and jump straight to the “Threat of Legal Action” template letter….

One may be tempted to suggest that they expect a night in bed with Danni and Kylie Minogue but have little chance of getting it, much like the chance of LRC of getting the money they are asking for!!!

[diddlydee]

Re: Alland UE Diary

One may be tempted to suggest that they expect a night in bed with Danni and Kylie Minogue

Is there a template for that cos I'm pretty sure hubby would like a go at that pair!

[Paul.]

Re: Alland UE Diary

Is there a template for that cos I'm pretty sure hubby would like a go at that pair!

can draft one pretty easily if needed

[oscar]

Re: Alland UE Diary

Is there a template for that cos I'm pretty sure hubby would like a go at that pair!

I wouldnt mind 10 5 2 minutes (and I reckon that would be pushing it