Oct Revolution's UE Diary

[Never-In-Doubt]

Re: October Revolution's UE Diary

Hi Niddy/In2deep,

I have an update to above account:

UPDATE: 10/12/11:


After almost 15 months of no contact I've finally heard from Metropolitan Collection services for the above account:

Letter rec'd: "....we enclose a copy of your executed agreement inc. terms and conditions....consequently we now require your offer of payment...."

All they have provided is a one page application form and nothing else. The copy is a really bad one too.

I can e-mail it over for you Niddy if you require.



I await your reply

Many thanks.

Metropolitan are a division (collections) of HSBC - check the same address in Coventry as the main HSBC lending stream

Just ignore mate - see what follows up

[Never-In-Doubt]

Re: October Revolution's UE Diary

Hi I2D/Niddy,

I have un update to above account:

UPDATE: 13/12/11:

yet another e-mail from Cabot: "IMPORTANT - PLEASE DO NOT IGNORE....your acc continues to be in default....despite previous requests you have failed to settle....outstanding balance is payable immediately....if you do not take positive action to settle acc we will either forward acc to External DCA or commence legal action....further costs may apply....contact Cabot immediately...."


Is there anything I need to send or do I just file and ignore.

many thanks for your help

why are they emailing you? Have you actually sent one back saying *unknown recipient*?

[Oct Revolution]

Re: October Revolution's UE Diary

why are they emailing you? Have you actually sent one back saying *unknown recipient*?

Hi Niddy,

not too sure why they are e-mailing me. I seem to be getting one every week now with the odd letter as per my diary.

I will ignore this one and block their address for future e-mails.

Many thanks,

[Oct Revolution]

Re: October Revolution's UE Diary

Metropolitan are a division (collections) of HSBC - check the same address in Coventry as the main HSBC lending stream

Just ignore mate - see what follows up

Happy to do so Niddy,

I will wait and see what they send next. It was quite a surprise when it came through the letter box after all this time.

many thanks,

[Never-In-Doubt]

Re: October Revolution's UE Diary

Hi Niddy,

not too sure why they are e-mailing me. I seem to be getting one every week now with the odd letter as per my diary.

I will ignore this one and block their address for future e-mails.

Many thanks,

Yea, you don't want them to start emailing you legal stuff - we want things sent via snail mail so next time they email just respond with the following:

"This email address is no longer active - please resort to an alternative method of contact"

leave it at that mate

[Never-In-Doubt]

Re: October Revolution's UE Diary

Happy to do so Niddy,

I will wait and see what they send next. It was quite a surprise when it came through the letter box after all this time.

many thanks,

It is also unenforceable as ilegible so they need to resend a much much better quality copy to enforce this

[Oct Revolution]

Re: October Revolution's UE Diary

It is also unenforceable as ilegible so they need to resend a much much better quality copy to enforce this

Thats good to hear.

Lets see if they take another 15 months to get back in touch with me again.

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 8

Royal Bank of Scotland

Account: Credit Card
Commenced: 1995
Balance: 5k
Date of Last full payment: 11/2009
Start of £1 token Payment: 12/2009
Acc Status: Defaulted 2/2010
Acc Owner: Original Creditor

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.
19/02/11 - Letter from RBS in response to my “Application form received” letter I sent to Triton: "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." NID says ignore.

02/04/11 - 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” NID says send "Threat of Legal Action & Refusal of Doorstep Visit

05/04/11 - letter sent.

14/04/11 - Letter rec'd from RBS is in response to my letter of 05/04/11: “ 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…..”. NID says ignore as their final response.

28/04/11 - Letter rec’d from Green & Co Solicitors: “….instructed by our client Triton/RBS….despite formal demand, amount remains unpaid….we are likely to be instructed to commence court proceedings….” NID says send "Threat o gram - before action". Letter sent

13/05/11 - Letter from Triton in response to my last letter: “….write with ref to recent correspondence ….our records show RBS complied with your CCA request with all relevant docs….further to this RBS issued a letter saying had complied with CCA 1974 and payment is due….and finally issued you a further letter with a final response again confirming all above and that acc is not in dispute….Therefore the balance is due for immediate collection…. contact us within 7 days to discuss repayment proposals….failure to comply will leave us no alternative but to take further action without warning or delay….”. NID says send Enough is Enough Template - letter sent.

13/06/11 - Letter rec'd from Risk Management Alternatives (RMA): ".... your RBS acc has been passed to us....the full outstanding balance is due in full....RBS will no longer accept communication from you.... future communication/payment should be made to RMA....contact us now to pay/agree suitable payment plan...." NID says ignore.

29/06/11 - Telephone harassment letter sent.

05/07/11 - The letter has worked as calls seem to have stopped for now.

09/07/11 - Letter from RMA: "....despite our attempts to reach suitable agreement the matter remains unresolved....if not rectified in next few days no alternative other than to recommend to client to take legal action....this is not our preferred route....if in difficulties speak to CAB etc....please call us today....". Account sold whilst in dispute letter sent as per In 2 Deep.

Hi I2D/Niddy,

Well it looks like all my creditors/DCA are coming at me for Christmas. I have an update to above account (after 5 1/2 months of no contact):

UPDATE: 14/12/11:

Letter rec'd from Westcot (new DCA for this acc): "....we have been instructed by RBS to collect outstanding balance....to avoid further action pay debt in full or contact us....failure to do so will result in further recovery action...."

Do I need to respond with anything or see what their next move is.

Many thanks,

[Never-In-Doubt]

Re: October Revolution's UE Diary

UPDATE: 14/12/11:

Letter rec'd from Westcot (new DCA for this acc): "....we have been instructed by RBS to collect outstanding balance....to avoid further action pay debt in full or contact us....failure to do so will result in further recovery action...."

Need I need to respond with anything or see what their next move is.

Many thanks,

See red highlight mate

[Oct Revolution]

Re: October Revolution's UE Diary

many thanks Niddy,

and thanks for your speedy reply.

I will gladly ignore and see what they send next.

They must all be having a clear out for Christmas (goodwill to all men and all that .....)


many thanks

[Never-In-Doubt]

Re: October Revolution's UE Diary

Usually you'll find a lot try and issue papers before X-Mas on the off chance you aint there to receive them and/or that you fail to respond in time (as it's very complex to get dates right, when dealing with so many bank holidays together) - so they try for summary judgment -

Just check each item of mail and keep us updated here - you'll be fine

[Oct Revolution]

Re: October Revolution's UE Diary

Usually you'll find a lot try and issue papers before X-Mas on the off chance you aint there to receive them and/or that you fail to respond in time (as it's very complex to get dates right, when dealing with so many bank holidays together) - so they try for summary judgment -

Just check each item of mail and keep us updated here - you'll be fine

Thanks,

any new letters received will be updated to my diary as soon as possible.

[garlok]

Re: October Revolution's UE Diary

Its the Hull Heroes (Wescot) again mate, and if you respond with anything contentious when they make contact again they will usually pass it on to "letterheads for rent" Nelson Guest and Partners who will go away when they realise you are not a vulnerable person and are able to fight your corner.

regards
Garlok

[Oct Revolution]

Re: October Revolution's UE Diary

You seem to have the same as me here: an UE RBS CC where they've sent a crappy photocopy of the front of an old app form and, after going through their in-house muppets Try-it-on, now with Wetcloths

Expect a few bright red letters from the losers and their letterheads for rent Nelson Guest Puppets... the Dynamic Duo bark very loudly but have no teeth so can't bite! After a while they'll just give up the ghost and go after easier prey, take no notice of the

In a few months you may even have the pleasure of dealing with Bagshot Bums Regal, who also use a red letterhead... the DCAs go round and round, round and round...

Many thanks for your words of advice.

And it's nice others are here to help who are a bit further down the process.

Thats what I like about this great site. Thankyou thankyou thankyou

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 3

Tesco Personal Finance

Account: Credit Card
Commenced: 2001
Balance: 4k
Date of Last full payment: 11/2009
Start of £1 token Payment: 12/2009
Acc Status: Defaulted 2/2010
Acc Owner: original Creditor

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.
19/02/11 - Letter from Tesco received in response to my “Threat o gram – to commence litigation” letter sent to Triton:“ 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…..” NID says their final response so ignore.

22/02/11 - letter rec'd from Tesco in response to my Threat o gram "doorstep visit" letter, in which they say "can not uphold my complaint as acc still remains unpaid and acc is enforceable". I will file and ignore and see what happens next.

01/03/11 - Letter rec'd from Tesco (which is exactly the same one as I received on 08/01/11): “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”. Nid says send Threat by lender/DCA to commence litigation. Letter sent.

30/03/11 - Letter rec’d from Green & Co Solicitors: “….instructed by our client Triton/Tesco….despite formal demand, amount remains unpaid….we are likely to be instructed to commence court proceedings….” NID says send "Threat o gram - before action". Letter sent

14/04/11 - Letter from Triton in response to my last letter: “….write with ref to recent correspondence ….our records show Tesco complied with your CCA request with all relevant docs….further to this Tesco issued a letter saying had complied with CCA 1974 and payment is due….and finally issued you a further letter with a final response again confirming all above and that acc is not in dispute….Therefore the balance is due for immediate collection…. contact us within 7 days to discuss repayment proposals….failure to comply will leave us no alternative but to take further action without warning or delay….”. NID says ignore and see what happens next.

20/05/11 - Rec'd a yellow card (in an envelope) from Allied International Credit (UK) Ltd: "....our client has informed us a Formal Demand has been made....payment of full balance must be paid immediately....if you want to discuss acc contact us...." NID says ignore for time being.

29/06/11 - Telephone harassment letter sent.

05/07/11 - The letter has worked as calls seem to have stopped for now.

13/08/11 - Rec'd letter from AIC: ".... early settlement offer of 25%....as account remains unpaid we are reviewing your acc to consider if further action is warranted....please contact us.....failure to do so may result in a recommendation to our client that proceedings should be initiated...." NID says ignore.

13/09/11 - rec'd letter from AIC - similar to last one (I wonder if they will send one every month !) - Will ignore.

23/11/11 - Letter rec'd from Fredrickson International: “….instructed by Tesco to collect outstanding balance….you have failed to pay outstanding balance despite repeated requests….full payment now due to avoid further action….contact us IMMEDIATELY to discuss this matter….payment should be made to Fredrickson International LTD….” NID says to IGNORE

02/12/11 - Letter from Fredrickson: "LETTER BEFORE ACTION....this debt must be paid in full in next 7 days otherwise we will take immediate action....legal action now being considered....further additional costs will be added....bailiff may call....judgement would affect future credit....pay now...." I2D says send "Threat o Gram letter Before Action" - letter sent.

10/12/11 - Yellow Letter rec'd from Fredrickson: "CONFIRMED RESIDENT....acc seriously in arrears...you have failed to correspond or make payment despite trace enquiries showing you live at this address....contact us.... failure to arrange payment your acc will be passed to solicitors with authorisation to proceed with immediate proceedings against you...." I2D says ignore as its crossed with my last letter.

I have a small update to above account:

16/12/11: Letter from Fredrickson in response to my "threat o gram before action" letter:

".....we have referred matter to client....will revert to you when instructions rec'd....acc placed on hold...."

I will file letter and see what happens next.