Oct Revolution's UE Diary

[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

18/02/11 - letter rec'd from Clarity: “thank you for your recent letter…..we have requested further info from EGG and will be in contact once we have received a response”. 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.

27/06/11: - letter rec'd from Fredrickson International Ltd: “….instructed by Egg 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 ignore and see what they send next.

27/06/11 - Receiving over 14 calls a day from Fredrickson: "Harassment by Telephone" letter sent.

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

08/07/11 - Letter rec'd from Fredrickson: "....as arranged we have enclosed our official Financial Statement form for you to complete....we can not consider your circumstances unless you complete and return....". I will ignore and see what happens next.

14/07/11 - letter rec'd from Fredrickson: "LETTER BEFORE ACTION....this debt must be paid in full in next 7 days otherwise we will refer to solicitors who may take legal action without further notice....further additional costs will be added....bailiff may call....judgement would affect future credit....pay now...." Nid says send "account sold whilst in dispute" - letter sent.

28/07/11 - Letter from Fredrickson in response to my "account sold whilst in dispute" letter:
".....we have referred matter to client....will revert to you when instructions rec'd....acc placed on hold....". will file and see what happens next.

05/10/11 - Letter from Fredrickson who have now "contacted Egg" and "have enclosed account documents....hope this clarifies matters....look forward to proposals for discharge of acc....". Documents sent are exactly the same as supplied direct to me from Egg on 22/10/10. NID says IGNORE.

12/11/11 - Letter rec'd from Barclaycard: "....acc now transferred to Arrow Global Guernsey....this letter is formal notice of assignment....oustanding balance now payable to Global....Fredrickson will continue to service acc....Global will contact you direct....". In2Deep says ignore until I hear from Global.

Hi I have an update to above account:

UPDATE: 22/11/11:

Letter rec'd from Arrow Global: "....advise you that Barclays has assigned acc to us....you should contact Fredricksons to repay this acc as a matter of urgency....all correspondance should also be directed to Fredricksons...."

Do I need to ignore or send a letter.

many thanks

[garlok]

Re: October Revolution's UE Diary

Hi OR,

Without reading all the way back, has Niddy said this is UE please? The diary notes above don't make it clear.

regards
Garlok

[Oct Revolution]

Re: October Revolution's UE Diary

Hi Garlok,

This is for my Egg account which Niddy did'nt really get involved with. At the time (October 2010) he deemed it enforceable but advised to blag it for the time being. Here is what he said:

Ok, this is actually enforceable in so much as the second page links to the first but I wonder if this was the case 10 years ago when you opened this, or whether page 1 is an addition or whether page 2 was part of another agreement or something? I dunno, but I just don't trust Egg and can't see how all their agreements are spot-on except for the same issue regards to "Approved Limit" (should be "credit" limit)....

I'd say you should blag this and respond as follows: ---> viewtopic.php?p=1623#p1623

[garlok]

Re: October Revolution's UE Diary

Hmmm Don't know too much about Egg stuff I'm afraid and the waters are muddied because of various sales of their book to people like Barclaycard.

Our accounts which are BC are to all intents purposes UE but they have sold 2 to Lowells by assignment in Absolute which is the case with you and Arrow. Like us, you could start and put them through the pain as new owners and serve them with the s78 request by way making THEM prove the debt which they will have to do at some stage if they are going to pursue you. For the cost of a quid it blags this out longer for a bit longer. If what Niddy says is true, now its been sold probably for a pittance a payment scheme may have to be put in place (tokens) and then if you can save a bit an F & F might be the way forward.

regards
Garlok

[Never-In-Doubt]

Re: October Revolution's UE Diary

Hi I have an update to above account:

UPDATE: 22/11/11:

Letter rec'd from Arrow Global: "....advise you that Barclays has assigned acc to us....you should contact Fredricksons to repay this acc as a matter of urgency....all correspondance should also be directed to Fredricksons...."

Do I need to ignore or send a letter.

many thanks

You can safely ignore this mate

Now they've moved to barclays, CCA requests are likely to be in even more of a mess than ever before.....

[Oct Revolution]

Re: October Revolution's UE Diary

You can safely ignore this mate

Now they've moved to barclays, CCA requests are likely to be in even more of a mess than ever before.....

Many thanks Nid,

I will ignore and see what happens next - just a side note to this the calls from Fredricksons have started up again - only one yesterday and one today, but I'm not answering.

keep up the good fight

[Never-In-Doubt]

Re: October Revolution's UE Diary

Many thanks Nid,

I will ignore and see what happens next - just a side note to this the calls from Fredricksons have started up again - only one yesterday and one today, but I'm not answering.

keep up the good fight

send this off to them: ---> Harassment by Telephone - Threat of Legal Action

[Never-In-Doubt]

Re: October Revolution's UE Diary

send this off to them: ---> Harassment by Telephone - Threat of Legal Action

Or give them our new number - see this mate :---> Free Number to Issue Creditors

[Oct Revolution]

Re: October Revolution's UE Diary

will do Niddy,

many thanks

[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.
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.

Hi Niddy/In2Deep,

I have an update to above account:

UPDATE: 23/11/11:

Letter rec'd today 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….”



This is now the third debt Collector after Triton; Green & Co solicitors and Allied International Credit who I heard from last on 13/09/11.

Do I need to send account sold whilst in dispute or something else or just ignore.

many thanks

[Never-In-Doubt]

Re: October Revolution's UE Diary

or just ignore.

^^^^^ yes, that matey

[Oct Revolution]

Re: October Revolution's UE Diary

many many thanks Niddy

and thank you for your speedy reply.

i will ignore and see what happens next.

I've checked back on my other accounts and I had the same letter from Fredricksons back in June for my Egg account (acc. 9 on my diary) too - so know what they are likely to send back for this one. BUT i know all accs are different.

cheers

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 2

Citibank (Collect Direct UK) Now with Opus



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 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.

17/02/11 - Letter received today from Opus: “we are sorry you have reason to complain….we should be able to send you a full response within 8 weeks” Will file and see what happens next

01/03/11 - CCA received from Opus; Nid says send CCA Query T&C's supplied template. Letter sent.

03/06/11 - Letter from Cabot Financial: "....we have recently bought acc from Opus/Citi....please call to arrange payment...." Nid says send "Account sold whilst in dispute" template. Letter sent.

11/06/11 - Letter from Cabot: "....looking into complaint....will respond in 20 days...."

07/07/11 - Letter from Cabot: "....still looking into complaint....will require a further 20 days to respond...."

21/07/11 - Letter from Opus in response to my letter of 01/03/11 "...we have provided CCA which complies with CCA 1974....at the moment we are unable to trace copy of signed application form....however we confirm our procedure has always been to obtain customers sig ....as such we are confident CCA is enforceable....failure to make payments will result in collection activities...." Will ignore for now.

01/08/11 - Letter from Cabot: "....still looking into complaint....will have to contact Opus for further info....will contact me again when info received...." Will file and ignore for now.

21/09/11 - letter from Cabot: "....have received info from Opus who have forwarded relevant info which was previously provided to yourself....upon reviewing docs I can clarify Opus have provided a recon true copy of your CCA which complies with CCA request....will not send acc back to Opus....a CCA request is not a method for the avoidance of the debt....contact us in next 14 days to discuss if not acc will be escalated within our collections procedures...." Nid advises send "CCA Query - Letter Previously Confirming No CCA" with a copy of letter from Opus received on 21/07/11. Letter sent.

12/10/11 - Letter rec'd from Cabot: "....you continue to claim agreement is unenforceable....information provided by OPUS is sufficient to meet CCA....enforcement constitutes obtaining Judgement at court....we are not seeking to initiate proceedings....you have been misinformed in relation to arguments you continue to raise....account is now payable - please contact us to arrange payment plan...." In2Deep says ignore.

24/10/11 - E-mail received from Cabot: "....according to our records debt still remains unpaid....contact us urgently....failure to do so your account will be escalated to next stage of our collections process...." NID/In2Deep say to ignore.

17/11/11 - another e-mail from Cabot: "this is last chance to agree a suitable payment plan before we move acc to our Pre Litigation Department....contact us now....". In2deep says send "Threat o gram before action letter" - letter sent.

Hi I2D/Niddy,

I have un update to above account:

UPDATE: 25/11/11:

Letter rec'd from Cabot in response to my "threat o gram before action" letter: "Our Final Response To Your Complaint....in your letter you continue to claim agreement is unenforceable....we refer you to our previous letter....information provided by OPUS is sufficient to meet CCA requirements and refute your claim....you claim we are harassing you - we have taken over acc....we adhere to OFT guidelines on collection....enforcement constitutes obtaining Judgement at court....you have been misinformed in relation to arguments you continue to raise....recommend you seek legal advice....account is now payable - please contact us to arrange payment plan...."


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

many thanks for your help

[Never-In-Doubt]

Re: October Revolution's UE Diary

Hi I2D/Niddy,

I have un update to above account:

UPDATE: 25/11/11:

Letter rec'd from Cabot in response to my "threat o gram before action" letter: "Our Final Response To Your Complaint....in your letter you continue to claim agreement is unenforceable....we refer you to our previous letter....information provided by OPUS is sufficient to meet CCA requirements and refute your claim....you claim we are harassing you - we have taken over acc....we adhere to OFT guidelines on collection....enforcement constitutes obtaining Judgement at court....you have been misinformed in relation to arguments you continue to raise....recommend you seek legal advice....account is now payable - please contact us to arrange payment plan...."


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

many thanks for your help

see what their next move is mate - fingers crossed

* Cabot have issued a lot of court papers lately, but Paul is batting them back into touch each time however they're still court happy right now so be careful here......

[Oct Revolution]

Re: October Revolution's UE Diary

OK Niddy,

will ignore and see what happens next - hopefully not court papers !!!