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  • #676
    Re: BillyTommo's UE Diary

    I have produced a mini diary here:

    27/06/2013 Default Sums Notice received from Halifax
    01/07/2013 You are in arrears letter received from Halifax
    05/04/2013 Request to freeze interest letter sent to Halifax
    17/04/2013 We cannot consider your request without an I&E from you letter received from Halifax
    31/05/2013 We still haven't received your payment letter received from Halifax
    14/06/2013 We still haven't received your payment letter received from Halifax
    13/07/2013 Doorstep threat received from Halifax
    13/07/2013 Doorstep template sent to Halifax
    25/07/2013 Default Notice received from Halifax
    22/08/2013 Pay Now letter received from Albion Collections
    27/08/2013 SWID sent to Albion
    05/09/2013 Original T&Cs received from Halifax
    30/10/2013 We will be managing your account from now on
    27/12/2013 Halifax have passed your account onto Akinika letter received from Akinika
    10/01/2014 SWID sent to Akinika
    10/01/2014 CCA request sent to Halifax
    15/01/2014 Substantial reduction offer received from Akinika
    25/01/2014 CCA reply received from Halifax - Niddy deemed UE due to missing PTs
    04/04/2014 Threat of litigation letter received from Akinika
    09/06/2014 We've instructed CapQuest letter received from Halifax
    18/06/2014 Introduction letter received from capquest
    03/07/2014 Please talk to us letter received from capquest
    31/07/2014 We'd like to offer you a settlement figure letter received from capquest
    01/11/2014 Statement for Account received from Halifax
    20/11/2014 We've instructed Wescot letter received from Halifax
    29/11/2014 Notice of debt collection letter received from Wescot
    07/12/2014 We know where you live letter received from Wescot
    17/12/2014 Reduced settlement offer letter received from Wescot
    07/01/2015 Take control of this outstanding balance letter received from Wescot
    15/01/2015 Confirmation of Residency letter received from 2f (??)
    30/12/2015 We are assigning your account to Lowell
    01/02/2016 First contact letter received from Lowell
    19/02/2016 Overdue account letter received from Lowell
    05/03/2016 Assessing your account for legal action letter received from Lowell
    23/03/2016 Pre-legal assessment letter received from Lowell
    07/04/2016 We will take legal action if you don't contact us letter received from Lowell

    Thanks for looking

    Comment

    • #677
      Re: BillyTommo's UE Diary

      I'd be sending this if it were me LBA ----> http://forums.all-about-debt.co.uk/s...l=1#post495044
      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

      Comment

      • #678
        Re: BillyTommo's UE Diary

        Use LBA2016 version

        LBA Template
        Last edited by The Tech Clerk; 14 April 2016, 10:23.
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment

        • #679
          Re: BillyTommo's UE Diary

          I've received a LBA from Howard Cohen regarding my 100% Tesco account, CCA deemed so back in June 2011. After reading of other users scenarios with the same solicitor and LBAs, I decided to send the 2016 LBA response http://forums.all-about-debt.co.uk/FREE/LBA-2016.doc to Howard Cohen. As the CCA received was deemed laughable at the time Niddy checked it I didn't think it would affect anything by sending a new CCA. This was how I read it as the correct thing to do. I hope that I was correct

          Comment

          • #680
            Re: BillyTommo's UE Diary

            I would hold off on sending a CCA request until one of the team looks in and agrees OK.

            Comment

            • #681
              Re: BillyTommo's UE Diary

              Originally posted by billytommo View Post
              I've received a LBA from Howard Cohen regarding my 100% Tesco account, CCA deemed so back in June 2011. After reading of other users scenarios with the same solicitor and LBAs, I decided to send the 2016 LBA response http://forums.all-about-debt.co.uk/FREE/LBA-2016.doc to Howard Cohen. As the CCA received was deemed laughable at the time Niddy checked it I didn't think it would affect anything by sending a new CCA. This was how I read it as the correct thing to do. I hope that I was correct
              Yes to the LBA, but if the CCA request response you have had is UE then there's nothing to be gained by sending another.
              Legal Disclaimer
              I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

              If you need to contact me you can send me a message by clicking my username or by emailing me at gerry@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. If you spot an abusive or libellous post then please report it by Clicking Here.

              Comment

              • #682
                Re: BillyTommo's UE Diary

                My Santander account that Howard Cohen issued a claim for in 2014 which they then said that their client had instructed them to discontinue the claim. The same crowd have now sent me a letter suggesting that they are looking to go through the same process: Notice of Pendin Legal Action is the heading on the letter. They are either suffering from amnesia or they are hoping that I am and don't remember the last episode a couple of years back. I know that solicitor's letters shouldn't be ignored so my question is, what should I respond with? Link to diary from 2014 is http://forums.all-about-debt.co.uk/s...ght=Billytommo

                Comment

                • #683
                  Re: BillyTommo's UE Diary

                  Originally posted by billytommo View Post
                  My Santander account that Howard Cohen issued a claim for in 2014 which they then said that their client had instructed them to discontinue the claim. The same crowd have now sent me a letter suggesting that they are looking to go through the same process: Notice of Pendin Legal Action is the heading on the letter. They are either suffering from amnesia or they are hoping that I am and don't remember the last episode a couple of years back. I know that solicitor's letters shouldn't be ignored so my question is, what should I respond with? Link to diary from 2014 is http://forums.all-about-debt.co.uk/s...ght=Billytommo
                  Did you respond with anything?

                  (I'm aware that you have now received a county court summons/claim for this debt)

                  Plan B x

                  Comment

                  • #684
                    Re: BillyTommo's UE Diary

                    No. I was awaiting advice when the inevitable happened I have now resurrected the thread in the secure section of the forum. All updates will be on that

                    Comment

                    • #685
                      Re: BillyTommo's UE Diary

                      Originally posted by billytommo View Post
                      I have produced a mini diary here:

                      27/06/2013 Default Sums Notice received from Halifax
                      01/07/2013 You are in arrears letter received from Halifax
                      05/04/2013 Request to freeze interest letter sent to Halifax
                      17/04/2013 We cannot consider your request without an I&E from you letter received from Halifax
                      31/05/2013 We still haven't received your payment letter received from Halifax
                      14/06/2013 We still haven't received your payment letter received from Halifax
                      13/07/2013 Doorstep threat received from Halifax
                      13/07/2013 Doorstep template sent to Halifax
                      25/07/2013 Default Notice received from Halifax
                      22/08/2013 Pay Now letter received from Albion Collections
                      27/08/2013 SWID sent to Albion
                      05/09/2013 Original T&Cs received from Halifax
                      30/10/2013 We will be managing your account from now on
                      27/12/2013 Halifax have passed your account onto Akinika letter received from Akinika
                      10/01/2014 SWID sent to Akinika
                      10/01/2014 CCA request sent to Halifax
                      15/01/2014 Substantial reduction offer received from Akinika
                      25/01/2014 CCA reply received from Halifax - Niddy deemed UE due to missing PTs
                      04/04/2014 Threat of litigation letter received from Akinika
                      09/06/2014 We've instructed CapQuest letter received from Halifax
                      18/06/2014 Introduction letter received from capquest
                      03/07/2014 Please talk to us letter received from capquest
                      31/07/2014 We'd like to offer you a settlement figure letter received from capquest
                      01/11/2014 Statement for Account received from Halifax
                      20/11/2014 We've instructed Wescot letter received from Halifax
                      29/11/2014 Notice of debt collection letter received from Wescot
                      07/12/2014 We know where you live letter received from Wescot
                      17/12/2014 Reduced settlement offer letter received from Wescot
                      07/01/2015 Take control of this outstanding balance letter received from Wescot
                      15/01/2015 Confirmation of Residency letter received from 2f (??)
                      30/12/2015 We are assigning your account to Lowell
                      01/02/2016 First contact letter received from Lowell
                      19/02/2016 Overdue account letter received from Lowell
                      05/03/2016 Assessing your account for legal action letter received from Lowell
                      23/03/2016 Pre-legal assessment letter received from Lowell
                      07/04/2016 We will take legal action if you don't contact us letter received from Lowell

                      Thanks for looking

                      Well, I sent the LBA(2016) as advised and today I received a letter from Lowell stating that, following their regular review process, the best way to resolve 'this matter' is to write off the outstanding balance and close the account!! I will hear no more from them and the 'you owe' column states £0.00!! They will also remove any defaults that may have been placed with the CRAs will be removed within 4-6 weeks. Result!!

                      Comment

                      • #686
                        Re: BillyTommo's UE Diary

                        Brilliant news, well done.
                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #687
                          Re: BillyTommo's UE Diary

                          Absopigginlutley brilliant xxxxx
                          if you do it today and you like it you can always do it again tomorrow

                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                          Comment

                          • #688
                            Re: BillyTommo's UE Diary

                            Definitely a RESULT!!!! Well done billytommo
                            Let your smile change the world but don't let the world change your smile

                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment

                            • #689
                              Re: BillyTommo's UE Diary

                              Such great news, Well done Billy

                              I do love to read of good news here on AAD
                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                              Comment

                              • #690
                                Re: BillyTommo's UE Diary

                                This is cracking news, I do love it when they back down xxx
                                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                                Comment

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