Oct Revolution's UE Diary

[Never-In-Doubt]

Re: October Revolution's UE Diary

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 3

Tesco Personal Finance

Activity:
06/10/10 - CCA Request sent
05/11/10 - CCA rec'd (e-mailed to NID for advice)
09/11/10 - NID syas :UE "T&C's rec'd" letter sent
16/11/10 - Letter rec'd from Tesco in reply to last: Stating "CCA is true copy; consider account not to be in dispute; will pursue for full payment; will not enter into further correspondence over alleged CCA breaches" - NID says bog standard letter to ignore.

08/01/11 -Letter rec'd from Tesco (dated 20/12/10) “as you have failed to respond to banks previous demands, we have no alternative but to commence further proceedings for recovery…….we urge you to call to resolve this matter……..failure to do so may result in account being passed to external DCA without further warning or delay”. Ignored last letter.

20/01/11 - Letter rec'd from TRITON "Tesco have placed your account with us for immediate collection.......to avoid further action forward cheque for full amount by return...or pay by credit card over the phone.....if unable to make payment call office immediately......" NID says send "account sold whilst in dispute of CCA request" letter.

21/01/11 - Above letter sent.
24/01/11 - Calls received daily from Triton - Ignoring/Not answering.
04/02/11 - Letter rec'd from Triton: “disappointed that you’ve failed to make payment or repayment proposals…..no alternative but to consider further action…may be appropriate to request a debt recovery agent call on you to discuss repayment…would prefer not to take this action so call to discuss outstanding balance”

10/02/11 - NID says send "harassment/doorstep visit" template. Letter sent.

Morning Nid,

I have another update to the above account:

UPDATE: 12/02/11

Had another letter today from Triton saying:

“NOTICE OF DEBT RECOVERY ACTION”

“..we remain disappointed you have failed to settle debt/make repayment proposals….we have now recommended to Tesco that solicitors be instructed to commence court proceedings which you would be liable for costs……may involve CCJ which would be a public record…..should debt remain unpaid we may ask court to enforce debt…..enforcement options open to us are:

• County Court Bailiff to visit your home to take possessions;
• A Charging Order;
• Your employer deducting monies from salary;
• You attend court to give detailed examination of personal financial affairs.

…we would far rather come to a satisfactory arrangement…contact us to discuss the moment you receive this letter.”



Is there anything I need to send back to Triton in response to this?

[Elsie52]

Re: October Revolution's UE Diary

Hiya

Think that this is the letter you may need to send. Have a look at the template letters.

http://forums.all-about-debt.co.uk/s...0&postcount=24

Elsie

[Never-In-Doubt]

Re: October Revolution's UE Diary

Is there anything I need to send back to Triton in response to this?

As Elsie stated above mate, send this back: ---> Threat by Lender/D.C.A - To commence litigation

[Oct Revolution]

Re: October Revolution's UE Diary

Thanks Nid and thanks Elsie,

will sort letter today.

[Never-In-Doubt]

Re: October Revolution's UE Diary

Thanks Nid and thanks Elsie,

will sort letter today.

cheers mate - keep us updated :niddy

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 2

Citibank (Collect Direct UK)

Activity:
6/10/10 - CCA Request sent to Collect Direct DCA
6/11/10 - Letter from DCA asking me to contact OC direct for CCA
9/11/10 - "DCA declining CCA request" letter sent back to DCA
1/12/10 - Another letter from DCA asking me to contact OC direct for CCA. Will now send CCA request to OC (Citicard) as per NID's instructions.
14/12/10 - CCA request sent to OC (Citicard)
05/01/11 - Above letter not delivered yet; according to Royal Mail Track and Trace letter being re-directed !
06/01/11 - Letter from Collect Direct "payment arrangement revoked - must contact them within 5 days to arrange alternative or may advise client to take legal action". Ignored last letter.
14/01/11 - Letter from Collect Direct: "URGENT NOTICE. Must make a payment or contact them to discuss payment arrangement or will advise client to issue court proceedings.
17/01/11 - "Threat O Gram before court action" letter sent to Collect Direct.
19/01/11 - NID's says shouldn't have sent last letter - too late now as letter received - see what happens next.
19/01/11 - Nid says send CCA reminder to Citi.
20/01/11 - CCA reminder sent to Citi.
24/01/11 - Letter from H L Legal "we act on behalf of Collect Direct....pay in next 7 days or will recommend legal action.... a claim for associated cost and interest will be made......hope course of action can be avoided by contacting client to make arrangements to pay" - NID says ignore.

Hi Niddy

UPDATE to above acc: 17/02/11

Letter received today from Opus (who are dealing with Citi acc):

“we are sorry you have reason to complain….we should be able to send you a full response within 8 weeks”

Not sure which letter they are referring to (maybe "Threat O Gram before court action" letter sent on 17/01/11 to Collect Direct or CCA reminder sent to Citi on 20/01/11?).

I will file and see what happens next.

[Never-In-Doubt]

Re: October Revolution's UE Diary

Hi Niddy

UPDATE to above acc: 17/02/11

Letter received today from Opus (who are dealing with Citi acc):

“we are sorry you have reason to complain….we should be able to send you a full response within 8 weeks”

Not sure which letter they are referring to (maybe "Threat O Gram before court action" letter sent on 17/01/11 to Collect Direct or CCA reminder sent to Citi on 20/01/11?).

I will file and see what happens next.

Just ignore for now mate...

[Oct Revolution]

Re: October Revolution's UE Diary

Will do Niddy,


many thanks

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 5

Barclaycard Visa (Mercers/Calders)


Activity:
06/10/10 - CCA Request sent to Mercers
22/10/10 - letter rec'd from Barclaycard - "acknowledge my CCA request and will respond asap".

Hi Niddy

UPDATE to above acc: 18/02/11

Received a letter from Barclaycard VISA (Account 5) today:

Formal Demand for Payment

“As you have not complied with recent Default Notice, the outstanding balance is due in full and we demand payment immediately…balance will accrue interest….we will in form CRA….may affect your ability to get credit….If we do not receive payment in 7 days a Debt Collector may call upon you for repayment or we may proceed with legal proceedings against you….we may also transfer money from other Barclays acc’s you hold with us in accordance with our right to set off....to stop further action call us………”



I still have not received my CCA for this acc. from my request back in October last year. The last I heard from them was a letter acknowledging my CCA request on 22/10/10.



What do I need to send back to them Sir Niddy?

***Further update: 19/02/11 - I have now received CCA for this acc. see my post no. 166***

Many thanks.

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 6

Barclaycard Mastercard (Mercers/Calders)


Activity:
06/10/10 - CCA Request sent to Mercers
22/10/10 - letter rec'd from Barclaycard - "acknowledge my CCA request and will respond asap".

Hi Niddy

UPDATE to above acc: 18/02/11

Received a letter from Barclaycard MASTERCARD (account 6) today:

Formal Demand for Payment

“As you have not complied with recent Default Notice, the outstanding balance is due in full and we demand payment immediately…balance will accrue interest….we will in form CRA….may affect your ability to get credit….If we do not receive payment in 7 days a Debt Collector may call upon you for repayment or we may proceed with legal proceedings against you….we may also transfer money from other Barclays acc’s you hold with us in accordance with our right to set off....to stop further action call us………”



I still have not received my CCA for this acc. from my request back in October last year. The last I heard from them was a letter acknowledging my CCA request on 22/10/10.



What do I need to send back to them Sir Niddy?

Many thanks.

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 9

Egg

Activity:
06/10/10 - CCA Request sent
22/10/10 - CCA rec'd (will e-mail to NID for advice)
25/10/10 - "T&C's rec'd" Letter sent to Egg
04/11/10 - Letter rec'd for last; Egg looking into complaint, may take upto 8 weeks
23/11/10 - Reply from Egg ref my complaint:- "the docs provided constitute a true copy of agreement; now satisfied my request for CCA the complaint is now closed; regular monthly payments should continue". NID says bog standard letter ignore for now.

25/01/11 - Letter rec'd from Clarity " ...been instructed by EGG to make arrangements with you to repay above amount……are prepared to offer 15% discount as F&F…and will remain open for 7 days…if unable to pay contact them to agree payment plan….If we do not hear from you will consider options available to us…..inc. rep. visiting or where agreement remains legally enforceable, recommend to client that their solicitors be instructed to commence legal action” Nid says to send "Threat o Gram before action" letter.
27/01/11 - Above letter sent

02/02/11 - Calls received daily from Clarity - Ignoring/Not answering.
08/02/11 - Letter rec'd from Clarity:“we wrote recently but note we have not reached an agreement with you…your acc is in default and full balance is payable immediately….if the agreement remains legally enforceable we will consider recommending our client/solicitors commence legal action.. if you ignore this letter further recovery action will take place…to prevent this pay balance/arrange repayment by instalments via web site; call; e-mail; send cheque”

10/02/11 - NID says ignore last as letter crossed with my letter of 27/01/11

Hi Niddy

UPDATE to above acc: 18/02/11

Received a letter from Clarity today:

“thank you for your recent letter…..we have requested further info from EGG and will be in contact once we have received a response”

I assume it’s in response to my letter sent to them on 27/01/11 “threat o gram before legal action”.

I will just file and wait to see what happens next.

[Oct Revolution]

Re: October Revolution's UE Diary

Hi Niddy,

Had a few letters this morning from RBS; Tesco and Barclaycard Visa - I will get my head around them and post back on here with the details soon.

As ever many thanks

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 8

Royal Bank of Scotland

Activity:
06/10/10 - CCA Request sent
01/11/10 - CCA rec'd
02/11/10 - Niddy says:UE "Application form" rec'd - Letter sent.
18/12/10 - Letter rec'd from RBS “….disappointed you have failed to comply with our agreement; unless an immediate payment is made to your account & regular payments thereafter we have no alternative but to place account in hands of external DCA without prior warning”

22/12/10 - Niddy says ignore last until I hear from DCA
04/01/11 - Receiving calls daily from RBS, but I don't answer.
07/01/11 - Letter rec'd from RBS (dated 21/12/10) “as you have failed to respond to banks previous demands, we have no alternative but to commence further proceedings for recovery…….we urge you to call to resolve this matter……..failure to do so may result in account being passed to external DCA without further warning or delay”. Ignored last letter.

29/01/11 - Letter rec'd from TRITON "RBS have placed your account with us for immediate collection.......to avoid further action forward cheque for full amount by return...or pay by credit card over the phone.....if unable to make payment call office immediately......"

02/02/11 - Niddy says send "CCA query - application form rec'd" template to Triton.
03/02/11 - Above letter sent.

Ok NID

update to above account: 19/02/11

Letter from RBS received in response to my “Application form received” letter I sent to Triton on 3/2/11.

They are basically saying that the:

"CCA is a true copy....do not consider the account to be in dispute....will be pursuing for full payment....see no reason to enter into further correspondence with the alleged CCA breaches."

Do I need to send anything? or just ignore and see what their next move is?

Thanks.

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 3

Tesco Personal Finance

Account: Credit Card

Activity:
06/10/10 - CCA Request sent
05/11/10 - CCA rec'd (e-mailed to NID for advice)
09/11/10 - NID syas :UE "T&C's rec'd" letter sent
16/11/10 - Letter rec'd from Tesco in reply to last: Stating "CCA is true copy; consider account not to be in dispute; will pursue for full payment; will not enter into further correspondence over alleged CCA breaches" - NID says bog standard letter to ignore.

08/01/11 -Letter rec'd from Tesco (dated 20/12/10) “as you have failed to respond to banks previous demands, we have no alternative but to commence further proceedings for recovery…….we urge you to call to resolve this matter……..failure to do so may result in account being passed to external DCA without further warning or delay”. Ignored last letter.

20/01/11 - Letter rec'd from TRITON "Tesco have placed your account with us for immediate collection.......to avoid further action forward cheque for full amount by return...or pay by credit card over the phone.....if unable to make payment call office immediately......" NID says send "account sold whilst in dispute of CCA request" letter.

21/01/11 - Above letter sent.
24/01/11 - Calls received daily from Triton - Ignoring/Not answering.
04/02/11 - Letter rec'd from Triton: “disappointed that you’ve failed to make payment or repayment proposals…..no alternative but to consider further action…may be appropriate to request a debt recovery agent call on you to discuss repayment…would prefer not to take this action so call to discuss outstanding balance”

10/02/11 - NID says send "harassment/doorstep visit" template. Letter sent.
12/02/11 - Letter rec'd from Triton: “..we remain disappointed you have failed to settle debt/make repayment proposals….we have now recommended to Tesco that solicitors be instructed to commence court proceedings which you would be liable for costs……" NID says send "Threat by Lender/DCA - To commence Litigation".

14/02/11 - Above letter sent.

Here we go again Niddy,

Update to above acc: 19/02/11

Letter from Tesco received in response to my “Threat o gram – to commence litigation” letter of 14/02/11 sent to Triton. It says:

“ we do not consider acc to be in dispute….have fully complied with CCA request….indebtedness remains due and payable and will pursue for full repayment….this is our final response…if dissatisfied with this final response you may refer concern to FOS…..”


Do I need to respond with anything on this one?


Thanks