MattyA UE Diary

[helmsman]

Re: MattyA UE Diary

Update 13-12-2011

Coop Visa - Deemed UE been through the hands of several DCA's.

Letter recieved from Lewis Debt recovery today - 1st letter from this lot and TBH the first time I have heard of them.
Has anybody else heard of them / had dealings with them?

It was a final demand must pay now or they MAY consider taking further action etc etc

Will bang 'em off a 'sold in dispute ' template and see what comes of that.

Cheers

Matty

Hi,
Lewis had me in court within a few weeks (bit slow sending a response to them) but my cca was ENFORCEABLE so I would send that off if I have anymore dealings with them.
Good Luck.

[Pixie]

Re: MattyA UE Diary

Lewis/Howard Cohen also had me in court pdq even though I replied to that straight away but, like helmsman, my cca was enforceable. And, of course, every case is different.

If Niddy has said the cca is UE you should be okay. I think you're right to send the 'sold in dispute' letter.

[Never-In-Doubt]

Re: MattyA UE Diary

Thing is Matty *could* settle this long before any ccj was ever granted, so if necessary a F&F can stave off action but in the meantime I would send the sold in dispute and see what happens.

[MattyA]

Re: MattyA UE Diary

Thanks everyone for your comments.

I will send off 'sold in dispute' for now and see what happens.

Matty

[MattyA]

Re: MattyA UE Diary

Morning all - hope everyone is well and fighting the good fight.

Bit of advice please if I may.

Natwest CC account deemed UE by Nidster.
Its been around the DCA's the latest being Moorcroft who have had the 'sold in dispute' template.
Their response seems to be a 'new tack' from them (I have had a lot of dealings with them on various other accounts) with their response coming from their compliance officer.
She says that she has noted my concerns and has brought these to her clients attention and will revert back with their response once received - all pretty much standard stuff.

However ....she then goes on to regurgitate my letter(Sold in dipute template) back at me in relation to OFTs guidance re unenforceability almost word for word and also drops in reference to the ICO's stance on the matter along with reference to OFT's 'recent' press releases warning consumers about unenforceable claims.

She goes on to ask me to provide details of any specific concerns regarding my liability for this account to ensure all matters are resolved as efficiently as possible - Is that not what the 'sold in dispute' template does ffs ?

Finally she says my account is on hold and remains under her sole care until they are in a position to return back to me with a response.

Seems like a load of gobbledy gook to me and I sit tight and await their response.

Please shout up if not.

Cheers

Matty.

Merry Christmas everyone !
(This is my 2nd UE Christmas and still fighting on thanks to his Nidship and everyone else on here)

[Deepie]

Re: MattyA UE Diary

Morning all - hope everyone is well and fighting the good fight.

Bit of advice please if I may.

Natwest CC account deemed UE by Nidster.
Its been around the DCA's the latest being Moorcroft who have had the 'sold in dispute' template.
Their response seems to be a 'new tack' from them (I have had a lot of dealings with them on various other accounts) with their response coming from their compliance officer.
She says that she has noted my concerns and has brought these to her clients attention and will revert back with their response once received - all pretty much standard stuff.

However ....she then goes on to regurgitate my letter(Sold in dipute template) back at me in relation to OFTs guidance re unenforceability almost word for word and also drops in reference to the ICO's stance on the matter along with reference to OFT's 'recent' press releases warning consumers about unenforceable claims.

She goes on to ask me to provide details of any specific concerns regarding my liability for this account to ensure all matters are resolved as efficiently as possible - Is that not what the 'sold in dispute' template does ffs ?

Finally she says my account is on hold and remains under her sole care until they are in a position to return back to me with a response.

Seems like a load of gobbledy gook to me and I sit tight and await their response.

Please shout up if not.

Cheers

Matty.

Merry Christmas everyone !
(This is my 2nd UE Christmas and still fighting on thanks to his Nidship and everyone else on here)

Just ignore and see what they send next....

[Pixie]

Re: MattyA UE Diary

They're just trying to scare you Matty. Ignore as I2D says.

Merry Christmas to my UE 'twin'

[MattyA]

Re: MattyA UE Diary

Thanks In2Deep / Pixie - will do.

[MattyA]

Re: MattyA UE Diary

Thing is Matty *could* settle this long before any ccj was ever granted, so if necessary a F&F can stave off action but in the meantime I would send the sold in dispute and see what happens.

Coop Visa (deemed UE)

Right - sent off the 'sold in dispute letter to Lewis Debt Recovery.....

Recieved a letter yesterday from Howard Cohen Solicitors (dated 20/12/11 ) sayoing that if payment is not made within 7 days their instructions are to continue with further action against me and that I should seek independant legal advice.

Seems like they mean business.

Should I send 'em the threat of legal action template or is it time to try and negotiate F&F?

Anybody had dealings with this lot and if so how did you get on?


Cheers

Matty

[Deepie]

Re: MattyA UE Diary

Coop Visa (deemed UE)

Right - sent off the 'sold in dispute letter to Lewis Debt Recovery.....

Recieved a letter yesterday from Howard Cohen Solicitors (dated 20/12/11 ) sayoing that if payment is not made within 7 days their instructions are to continue with further action against me and that I should seek independant legal advice.

Seems like they mean business.

Should I send 'em the threat of legal action template or is it time to try and negotiate F&F?

Anybody had dealings with this lot and if so how did you get on?


Cheers

Matty

Not much you can do before Xmas but yes send this > Threat by Creditor - Threat-o-Gram Letter Before Action

[PlanB]

Re: MattyA UE Diary

Not much you can do before Xmas but yes send this > Threat by Creditor - Threat-o-Gram Letter Before Action

Do you have access to a fax machine? Most corner shops have them. I2D says send Threat-o-Gram Letter which must go by Recorded Delivery when the post office next opens. But you can also send a copy by fax to both today as back-up and get a proof of faxing (transmission report) from the shop too because of the Christmas postal delays. You may have a fax of your own or pop into an office and ask a favour (my local Rymans has a fax service). Here are the fax numbers:

Lewis Debt Recovery 0870 751 3123 and 01274 347 300

Howard Cohen solicitors 01274 853 970

Have a great Christmas

EDIT: Lewis fax number correction!!!!!

[MattyA]

Re: MattyA UE Diary

Thanks In2Deep &PlanB - Will do just as you say.

(I am sure that they have timed this so that it is impossible for me to reply in time.)

Cheers

Matty

[MattyA]

Re: MattyA UE Diary

Do you have access to a fax machine? Most corner shops have them. I2D says send Threat-o-Gram Letter which must go by Recorded Delivery when the post office next opens. But you can also send a copy by fax to both today as back-up and get a proof of faxing (transmission report) from the shop too because of the Christmas postal delays. You may have a fax of your own or pop into an office and ask a favour (my local Rymans has a fax service). Here are the fax numbers:

Lewis Debt Recovery 0870 751 3123 and 01274 347 300

Howard Cohen solicitors 01274 853 970

Have a great Christmas

EDIT: Lewis fax number correction!!!!!

Faxed 'em this morning.

FYI - Both of Cohens fax no's (the one you list + an 0870 number on their website ) get redirected to lewis's 0870 no you list above....strange.I guess they must be linked in someway.

Will get the letter posted tomorrow RD.

Matty

[Pixie]

Re: MattyA UE Diary

Coop Visa (deemed UE)

Right - sent off the 'sold in dispute letter to Lewis Debt Recovery.....

Recieved a letter yesterday from Howard Cohen Solicitors (dated 20/12/11 ) sayoing that if payment is not made within 7 days their instructions are to continue with further action against me and that I should seek independant legal advice.

Seems like they mean business.

Should I send 'em the threat of legal action template or is it time to try and negotiate F&F?

Anybody had dealings with this lot and if so how did you get on?


Cheers

Matty

I've had dealings with them - which resulted in a ccj BUT it was for an enforceable debt.

[Never-In-Doubt]

Re: MattyA UE Diary

Send legal threat for now mate. If they try court then make offer to settle (10%)!