Pixie's UE diary

[MrsD]

Re: Pixie's UE diary

what link are you clicking on

[hra47]

Re: Pixie's UE diary

when I click on that link,it says page doesn't exist

[Pixie]

Re: Pixie's UE diary

Capital One

Balance approx. £4000

Defaulted January 2011

September Sent cca request
October received reply saying that they need more time to investigate
Octobercca received Niddy says
October cca query letter sent
November letter saying that I've missed a payment
November letter thanking me for writing to them about my account (cca query) and that they'll need some time to investigate
November telephone harrassment letter sent
November letter received saying they're looking into my situation - I think in response to telephone harrassment letter
November letter received saying that they've satisfied s.78
November letter received saying that they're going to carry on phoning anyway
December Notice of Default received ignore
2011
January letter received saying that this is my last chance to stop the default process ignore
January Default notice received
January Letter from FPC Debt Collection Services (Fredricksons) saying I must phone them to make a payment to bring the account up to date. If I don't then action to enforce the debt may be taken without further notice.
January New 'account sold whilst in default of cca request' sent to fpc
February Letter from fpc saying that they recently wrote to me but have failed to receive an adequate response. If enforcement action is taken it will affect my credit file and may impact on my ability to obtain credit in the future. I think the defaults have already taken care of that!
February (in same post as above) Big yellow card - 'Confirmed resident'. Trace enquiries show you as living at this address. Ermm, yes. My letter to you was sent from this address!!
February Letter from fpc. They have referred the matter to their client and have put the account on hold in the meantime.
February Letter from fpc saying that they can confirm that their client has no record of receiving a request for documents under the Consumer Credit Act.
February Letter sent to fpc with copy of letter from Capital One in response to my cca request. Asked them to refer it back to Capital One.
March Letter received from fpcsaying they want to know what the dispute is with Capital One. If it's about the agreement I need to complain to Capital One.
March Sent a copy of dispute letter, originally sent to Capital One, to fpc.
March Received a letter from fpc saying they are putting collection activities on hold for 15 days to allow me to contact Capital One (by phone!) for the information I require. Will ignore (unless I decide to send them a sarcastic reply!)
March Didn't send the sarcastic letter but received letter from Capital One saying thank you for wring to them about my account (I didn't!) and they need time to look into my situation. This is exactly the same letter I received in October and November.
April Received a letter from Capital One saying they have complied with s78, the agreement is enforceable and they will continue to treat it as such. They also enclosed a copy of the letter they sent me in November - saying the same thing but quoting Carey and McGuffick
April Letter from fpc saying that, unless I pay, they will advise Capital One to refer for further enforcement. Go on to say that legal action may be taken. Ignore
April Letter from fpc saying that they are instructed to organise an arrangement for payment and I must contact them to prevent their client taking further action. ignore
May letter from Capquest. If I don't contact them they will pass the account to their solicitors who will take further action
May 'New-account sold while in default' letter sent to CapQuest
May letter from CapQuest saying that they've checked my circumstances and there are no ccjs registered against me (brilliant checks!) and they are not seeking immediate repayment in full but can offer me several repayment options and possible settlements. (ignored)
May (received same day as above) Letter from CapQuest saying they were unaware of any dispute so they are now closing the account on their system. (ignored)
May Letter from Fredrickson saying that capital One have passed the account to them (again!) and they require immediate payment and I MUST contact them IMMEDIATELY
May Letter sent to Fredricksons with copies of previous correspondence and telling them to refer it back to Capital One
June 'Letter before Action' received from Fredricksons
June 'Threat-O -Gram - letter before action' sent to Fredricksons
June Final response letter from Capital One
July Please phone us letter from Fredricksons ignore
July 'Letter before action' received from Fredrickson's
July 'Threat-O-Gram: letter before action' sent
July Received letter from Bryan Carter Solicitors giving me 14 days to pay or they will recommend that their client issue proceedings without further notice
July Sent 'Threat-O-Gram' letter to Bryan Carter
August Received letter from Fredrickson's - account on hold while they refer back to clientignore
August Letter received from Fredrickson's - they want me to ring them ignore
September Letter received from Fredrickson's - final opportunity to pay before they recommend their clients to instruct solicitors to issue a claim
September 'Threat to commence litigation' template letter sent to Fredricksons
September Letter from Fredricksons - Capital One have complied with cca request. If they don't hear from me within the next 10 days with payment proposals further action will commence.
September Big yellow 'Confirmed Resident' card received from Fredricksons
September 'Threat by Creditor - Enough is enough' letter sent to Fredricksons
October Letter from Capital One saying the dca is no longer managing my account ignore
October Letter received from Capital One saying that they have satisfied my s.78 request


2015

October Capital One have sold my Account to Cabot Credit Management Group
NovemberSWID sent to Cabot
November Letter from Cabot saying that they have requested the further information and CCA from the original creditor. Account on hold.

2016

January Letter from Cabot apologising for the delay as they have not received the required information from the original creditor.

March Letter from Cabot. They've contacted the original creditor who say that the documents requested were provided in 2010 and they've sent further letters re-iterating that. Cabot have now closed the dispute and I'm going to be hearing from their Customer Operations Department. filed

August Letter from Cabot thanking me for my request for information under sections 77-79 of Consumer Credit Act 1974 (I haven't sent a CCA request!) They acknowledge the 12 day time limit but, as they have to request the information from the original creditor they anticipate that they will be able to provide it within 40 days. In the unlikely even they can't provide it within these time limits they will write again. Filed

update

[MattyA]

Re: Pixie's UE diary

How are we doing Pixie , have any dropped off yet?

[Pixie]

Re: Pixie's UE diary

Marlin/Cabot have been down in their cellar and unearthed some old accounts, my M&S being one of them. I haven't heard from them since 2013

2013
March Letter from M&S saying they have sold my account to Marlin Europe Limited
March Letter from Marlin (in same envelope as M&S letter) saying they are now the owners of the account and to contact them in the next 5 days
March Sent 'Account Sold while in Dispute' to Marlin
March Received reply from Marlin saying they are not considering legal action at the moment and are getting in touch with M&S for further information.
October Statement of Account from Marlin filed

It isn't a threatening letter, just one of those "we want to help you" letters. I'll send them a one liner saying that I informed them that this account was SWID in March 2013.

[Pixie]

Re: Pixie's UE diary

A very kind offer received from RobWay: their client has advised that they'll accept a 50% settlement amount to clear the debt in one payment. I bet they would!...not that I have that sort of money anyway...but they'll be getting nothing as it's UE.

Letter from Cabot re Capital One. They've contacted the original creditor who say that the documents requested were provided in 2010 and they've sent further letters re-iterating that. Cabot have now closed the dispute and I'm going to be hearing from their Customer Operations Department.

[Pixie]

Re: Pixie's UE diary

Sorry, I should have made that clear....... As long as its the normal intro/template letters

Anything with a direct threat and or deadline needs posting up

Errrmmm...I do know that!

[Spud]

Re: Pixie's UE diary

I tend to agree with Spud if it's not threatening xx

Sorry, I should have made that clear....... As long as its the normal intro/template letters

Anything with a direct threat and or deadline needs posting up

[Undercover Elsa]

Re: Pixie's UE diary

I tend to agree with Spud if it's not threatening xx

[Spud]

Re: Pixie's UE diary

If it was me, I would leave it a few weeks to reply......It is Tesco after all......Remember, "Every little helps"

And keep the letter minimalistic....almost holding a little back for a month or two's time if you can......why send one letter when ten might take you 6 months

[Pixie]

Re: Pixie's UE diary

Thanks nanna x

[nanna58]

Re: Pixie's UE diary

Good luck xxx

[Pixie]

Re: Pixie's UE diary

Well that didn't take long! Letter from Hoist and RobWay in the same envelope (the Tesco letter was also in a RobWay envelope...I can recognise that envelope anywhere!) Will send SWID to RobWay.

[Pixie]

Re: Pixie's UE diary

Tesco Personal Finance

Balance approx £3500

defaulted June 2010

8/7 cca request sent
July 'cca' received. Niddy says :UE
August cca query letter sent
August letter received saying that they have sent what they needed to and don't consider the account to be in dispute
August debtor's final response sent
August letter received saying call immediately or we may transfer the account to an external dca
September letter received from Triton wanting immediate payment
September 'Account sold while in dispute' letter sent to Triton
September Reply from Triton stating that Tesco have fully complied with the Consumer Credit Act and, if I don't contact Triton within 7 days with an offer of repayment, I will leave them with no alternative but to take further action against me without warning or delay letter ignored
October received another letter from Triton saying how disappointed they are that I haven't paid and that they have no alternative but to consider further action and may request a dca to call on me letter ignored
November Triton still very disappointed and they are recommending that Tesco should instruct solicitors to start court proceedings
November 'Threat-O-Gram - letter before action' letter sent to Triton
November 'stop phoning' letter sent to Triton
December Letter received from Tesco contradicting themselves - say that they can't uphold my complaint re phone calls but they're going to remove my number from their system
December Letter from Green's solicitors saying that, as I have not paid the amount owing (ie the total amount of the debt on the card), they're likely to be instructed to commence court proceedings without further notice.
December 'Threat of Litigation' letter sent to Green's.
December Letter from Triton saying that Tesco have complied with Consumer Credit Act. If I don't contact them within 7 days to arrange repayment, I leave them with no alternative but to take further action against me without warning or delay.
December snotty letter from Greens saying that I should have sent my response to Triton. The letter has been passed on and Triton will reply direct I think they already have (see above)!
2011
January letter received from Newman's saying that I need to contact them to pay the account in full
January 'Account sold while in default of cca request' (new version) sent to Newmans
January Letter from Newmans saying that they are investigating my complaint & will suspend collections activities while they are investigating.
January Letter from Newmans saying that they have conferred with their client and the CCA was sent in July, therefore their client is not in default of CCA request & they consider this matter resolved.
April Received income and expenditure form from Newmans so that they can consider a payment plan 'suitable to my circumstances.' ignore
April 2 identical (apart from date) letters from Newmans - Doorstep warning
April 'Threat of doorstep visit' letter sent
July 'Immediate payment required' letter received from Fredrickson's.
July 'Letter before action' received from Fredrickson's
July 'Threat-O-Gram - letter before action' template sent
JulyReceived a big yellow 'confirmed resident' card with a threat of immediate litigation proceedings ignore
AugustReceived letter from Fredricksons - referred matter back to their clients and account on hold file
September Received letter from Bryan Carter Solicitors demanding payment in full within 14 days or will recommend proceedings be issued without further notice
September 'Threat by Lender to Commence Litigation' template sent to Bryan Carters
October Letter from Bryan Carter Solicitors acknowledging my letter to them. They say that Tescos have fully complied with cca request and want my proposals to discharge the outstanding balance or further action will commence
October 'Enough is Enough' letter sent to Bryan Carters

2012
January 'Notice of Debt Collection' from Westcot
January Account Sold whilst in Dispute letter sent to Westcot
January Letter from Westcot - I need to request a cca from Tesco ignore
March Letter from Westcot saying that their client sent all the required documents in 2010 ignore
March Letter from Nelson Guest offering a discount to settle my debt and avoid further recovery action. ignore
April Another copy of the letter saying that their client sent all the documents in Oct 2010 ignore as before
June Letter from Nelson Guest threatening further recovery action unless I pay, or make arrangements to pay, within 10 days ignore
June Doorstep Collection letter from Westcot
June Threat of Doorstep Visit template (amended to remove telephone harassment part) sent to Westcot

After almost 4 years this has popped up again. No surprise really as it's coming up to SB.

The debt has been assigned to Hoist with RobWay managing the account. I'll send SWID to RobWay and also to Hoist once I hear from them direct.

[nanna58]

Re: Pixie's UE diary

Error primary school ?