Oct Revolution's UE Diary

[Never-In-Doubt]

Re: October Revolution's UE Diary

Hi NID,

not wanting to appear stooopid but as the account has been passed on from RBS to Triton while in dispute of CCA is it not "account sold whilst in dispute" I need to send.

I'm getting a little confused here and I'm not questioning your advice just need things clarifying.

I also rec'd same letter from Triton for my Tesco Acc. (acc. 3 on my list) and you advised "account sold whilst in dispute" letter. I know you say not all creditors/DCA act the same and need different replies, but I'm confused now

Can you clarify, did you not originally respond to RBS with terms & conditions template?

If RBS have sent a cca (or what they confirm they think is one) then you classify that as served. If however they ignore you then sell the account, you'd send the account sold in dispute letter. It depends what they have sent you, now from memory (sorry if i'm wrong) I was sure you had previously received a reply from RBS with terms and no agreement - if so then my template suggestion above is spot on (to send tryiton)

[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 them, 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.

Hi Niddy,

RBS sent CCA to me on 01/11/10 you deemed it UE and I sent "application form received" template on 02/11/10

[Never-In-Doubt]

Re: October Revolution's UE Diary

Hi Niddy,

RBS sent CCA to me on 01/11/10 you deemed it UE and I sent "application form received" template on 02/11/10

Sorry I meant application form received (ie no terms) - been long day!

Ok, so go back to my last post and see what I suggested you send: ---> #132

Adding up as being correct yet?

[Oct Revolution]

Re: October Revolution's UE Diary

OK Niddy,

will send CCA query - application form received as you have advised..

Sorry to have gone round and round but just wanted to double check and get my head around it all. What threw me was that you said to send "Account sold whilst in dispute" letter to other Triton letter rec'd for my Tesco account which was exactly the same letter rec'd from Triton to my RBS.


many thanks

[Oct Revolution]

Re: October Revolution's UE Diary

As my last post, I'd send this to Triton: ---> CCA Query - Application Form Received

Hi Nid,

one other thing ...... I will have to edit the above template where it says "you" to "Royal Bank of Scotland" as I did not request the CCA from Triton but the OC and have not written to Triton ref. this account before ....is that correct?

[Never-In-Doubt]

Re: October Revolution's UE Diary

OK Niddy,

will send CCA query - application form received as you have advised..

Sorry to have gone round and round but just wanted to double check and get my head around it all. What threw me was that you said to send "Account sold whilst in dispute" letter to other Triton letter rec'd for my Tesco account which was exactly the same letter rec'd from Triton to my RBS.


many thanks

How many times do I say "don't ever compare" - and the reason I say this is because if they (Triton) get two letters the same then how stoopid does that make a) This site look and b) You look?

So we deliberately do things in opposites - bear in mind I also know who else has written to them using my templates that week so if I know 10 users sent letter X, i'm likely at some point to suggest others send letter Y before sending others to letter Z..

Please, learn to trust me - I actually do know what i'm doing here, believe it or not mate

[Never-In-Doubt]

Re: October Revolution's UE Diary

Hi Nid,

one other thing ...... I will have to edit the above template where it says "you" to "Royal Bank of Scotland" as I did not request the CCA from Triton but the OC and have not written to Triton ref. this account before ....is that correct?

Nope, no need as they are liable, so it doesn't matter who ytou sent the CCA to - both are jointly liable as the other - they don't need changing!

How pernickerty are you mate?

[Oct Revolution]

Re: October Revolution's UE Diary

How many times do I say "don't ever compare" - and the reason I say this is because if they (Triton) get two letters the same then how stoopid does that make a) This site look and b) You look?

So we deliberately do things in opposites - bear in mind I also know who else has written to them using my templates that week so if I know 10 users sent letter X, i'm likely at some point to suggest others send letter Y before sending others to letter Z..

Please, learn to trust me - I actually do know what i'm doing here, believe it or not mate

Hi NID,

once again, now you've explained it, it's all so clear .

I thought I was doing so well on my learning curve too. Looks like its turned into a triangle now .

Will do as you say and try not to read into it too much in the future. (as you say you do know what you are doing and we are merely disciples .)

many thanks

[Oct Revolution]

Re: October Revolution's UE Diary

Nope, no need as they are liable, so it doesn't matter who ytou sent the CCA to - both are jointly liable as the other - they don't need changing!

How pernickerty are you mate?

Nid,

This also taken on board, and will send letter as is .

I'm not usually a pernickerty kinda person but on this occasion I have been .

Sorry for the runaround but I hope at least others can learn from our last few posts and not make the same mistakes or get confused as I have.

As ever many thanks and lots o' to ya (Stella I believe).

[Never-In-Doubt]

Re: October Revolution's UE Diary

Cheers matey

[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.

Morning Nid,

I have an update to the above account:

UPDATE: 04/02/11

Had another letter today from Triton saying:

“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”


Is there anything I need to send back to Triton or do I just ignore for now?

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.

Morning Nid,

I have an update to the above account:

UPDATE: 08/02/11


Received another letter from Clarity today ref my EGG account. It says:

STOP FURTHER ACTION NOW

“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”



This is probably a standard letter – but if you need to see it Niddy let me know and I can e-mail you a copy.

It’s quite interesting they say in their letter “if the agreement remains legally enforceable we will consider recommending our client/solicitors commence legal action”.

Is there anything I need to send back to Clarity or just ignore and see what their next move is?


The "Threat o Gram before action" letter I sent to Clarity on 27/1/11 is showing on Track and Trace as only being delivered today, so do I wait for their response to that letter?


Many Thanks

[Never-In-Doubt]

Re: October Revolution's UE Diary

Morning Nid,

I have an update to the above account:

UPDATE: 04/02/11

Had another letter today from Triton saying:

“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”


Is there anything I need to send back to Triton or do I just ignore for now?

Many thanks

Send this back mate: ---> Harassment & Threat of Doorstep-Visit Template

[Never-In-Doubt]

Re: October Revolution's UE Diary

The "Threat o Gram before action" letter I sent to Clarity on 27/1/11 is showing on Track and Trace as only being delivered today, so do I wait for their response to that letter?


Many Thanks....

Seems there was a crossover in the post, leave things as they are and see if they respond to the letter recently received....

[Oct Revolution]

Re: October Revolution's UE Diary

many thanks NID

Will sort letter for Triton today.