Oct Revolution's UE Diary

[Never-In-Doubt]

Re: October Revolution's UE Diary

What are you two doing in here ?

I've come to do your annual appraisal.

jen is just stalking the fit blokes, I am used to it

[Oct Revolution]

Re: October Revolution's UE Diary

nothing doing then...?

No all is quiet Niddy (....tempting fate now) some accs been quiet for over 12 months and some for over 6 months. Just Wescot have a few of my accs and seem to not want to lose my friendship as they are always writing to me. All the same letters though - going round and round and round. Good news I suppose as all the time SB clock is ticking.

Thanks for "popping in"

[Oct Revolution]

Re: October Revolution's UE Diary

Wescot are great at wasting trees.

Yes, they do seem to keep sending lots of silly letters back and forth - at least I know what to expect as they have been involved with 3 of my accs.

And all the while the SB clock is ticking....

[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.
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.

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....". NID says wait to see what their next move is.

23/12/11 - Letter rec'd from Westcot: "....FINAL NOTICE ....our latest enquiries confirm you are resident at this address....contact us in next 10 days or further collection activities will begin....please do not ignore....we or client could take legal action against you....or refer debt to a door step collection agency....it is very important you take IMMEDIATE action to resolve this issue....contact us...." Nid says ignore and see what they do next.

09/01/12 - Letter rec'd from Nelson Guest & Partners: "....we are instructed by Westcot as a final attempt to avoid further action to offer you a discount....limited period only....contact Westcot....if no settlement agreed we will continue to recover full amount...we may be able to offer a realistic payment plan....if no contact in next 10 days further recovery action will be taken....contact Westcot...." I2D says ignore and see what happens next.

30/01/12 - Letter rec'd from Nelson Guest & Partners Solicitors: "....instructed by Wescot....willing to consider realistic payment proposals....cannot remain outstanding....if full payment/proposals are not made within 10 days further recovery activity will be undertaken....to prevent call Westcott urgently...." I2D says to send "Account sold whilst in dispute" - letter sent.

09/02/12 - Letter rec'd from Westcot: "....DOOR STEP COLLECTION NOTICE....we know of no genuine reason not to repay this debt....instructions will now be provided to our agent to visit your home to agree payment plan...." "doorstep visit" template sent.

20/02/12 - Letter rec'd from Westcot (in response to my last letter): "....we act within OFT guidelines....our door to door agents will make an appointment with you prior to visiting....trust this clarifies matter....". I will ignore and file for the time being.

22/02/12 - Another letter rec'd from Westcot: "....following your request for a copy of CCA.... our client has requested you write to them requesting a copy enclosing £1....trusting the above clarifies situation....". Are they playing silly buggers or don't know what left hand from right is doing. I2D says IGNORE

22/03/12 - Letter rec'd from Credit Security Limited: "...instructed by our client to recover debt...unless there is a valid reason not to pay amount is due in 7 days....contact us to arrange payment...". I2D says to IGNORE

02/04/12 - Letter rec'd from Credit Security Limited: "...we cannot trace a reply to our recent letter...we DEMAND payment IMMEDIATELY to this office...failure will result in a DEBT COLLECTOR calling upon you for payment...". I2D says send "Harassment & threat of doorstep visit". Letter sent.


12/04/12 - Letter rec'd from Credit Security Limited: "...we write in reply to your letter....our letter stated acc has been transferred to us...we look forward to receiving a payment and repayment proposal in order to resolve matter..." I will IGNORE for now.

17/04/12 - letter from Credit Security Ltd: "...once again you have disregarded our request for payment...left with one course of action before refereeing your acc to a doorstep agent...final gesture to resolve our client is prepared to offer reduced sum as FFP...contact us...". Advised to send "acc sold whilst in dispute" letter.

23/04/12 - letter from Credit Security Ltd: "...write in reply to last letter...have noted comments...we will take no further action...account passed backed to Westcot..."

12/05/12 - letter from westcot: "...we have contacted our client who state sent final response in April 2011....dispute now resolved...full balance or agreed monthly payments required by return....please contact us within 14 days or acc will be passed to our collection team...". I will IGNORE and see what happens next.

15/08/12 - Letter rec'd from Regal Credit Consultants Ltd: "...your details have been passed to us by RBS to act as agents...we will contact you in next 7 days by Letter/phone to discuss payment of acc....". "Acc sold whilst in dispute" letter sent.

29/08/12 - Letter from Regal Credit: "...in receipt of complaint...we are looking into your complaint...we will contact you in due course...". I will file and await their reply.

06/09/12 - Letter rec'd from Regal Credit: "...we have looked into your complaint and contacted our client...who confirm CCA requested was fully complied with in Oct 2010...we will continue with collections...acc on hold for 2 weeks so you can contact us and provide us with payment proposals...". I2D says ignore and see what they do next

Hi Niddy/I2D,

I have an update to above account:

UPDATE: 26/09/12:

Letter rec'd from Regal Credit: "...as we have not been notified of any reason for non-payment we are instructed to collect full balance...appreciate you may be experiencing hardship...contact us to arrange affordable plan...if we do not hear from you our firl agents (ScotCall) will visit to discuss with you in person..."

Is there anything I need to send back or ignore and see what their next step is......

Many thanks

[MrsD]

Re: October Revolution's UE Diary

you can either send the don't appear for my doorstep letter or save the money and if they do actually appear, ignore them on said doorstep.......................

[Oct Revolution]

Re: October Revolution's UE Diary

you can either send the don't appear for my doorstep letter or save the money and if they do actually appear, ignore them on said doorstep.......................

Thanks MrsD,

I was thinking of something along the same lines. They don't usually send anyone out anyway. And if they do I will tell them to do one

[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.

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.

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....". will file and see what happens next.

23/12/11 - Letter from Fredricksons: "....we have been in contact with you....you informed us information in respect to this debt was incorrect....we provided details of dispute to our client who now state debt details are correct....we would like to discuss matter with you....please call us in next 7 days....". NID says wait and see what their next move is

06/01/12 - Letter rec'd from Bryan Carter Solicitors: ".....payment must be made in next 14 days....failing we will recommend to client that proceedings be issued without further notice....additional charges will be added....before we refer acc for litigation you have an opportunity to contact Fredricksons with payment proposals...." NID says send "threat to commence litigation" - letter sent

24/05/12 - Letter rec'd from Westcot (new DCA for this acc): "....we have been instructed by Tesco 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...." I will IGNORE and see what their next move is.

02/06/12 - Letter rec'd from Westcot: "....FINAL NOTICE ....our latest enquiries confirm you are resident at this address....contact us in next 10 days or further collection activities will begin....please do not ignore....we or client could take legal action against you....or refer debt to a door step collection agency....it is very important you take IMMEDIATE action to resolve this issue....contact us...." I will IGNORE and see what they do next.

14/06/12 - Letter rec'd from Nelson Guest & Partners: "....we are instructed by Westcot as a final attempt to avoid further action to offer you a discount....limited period only....contact Westcot....if no settlement agreed we will continue to recover full amount...we may be able to offer a realistic payment plan....if no contact in next 10 days further recovery action will be taken....contact Westcot....". I2D says IGNORE

05/07/12 - Letter rec'd from Nelson Guest & Partners Solicitors: "....instructed by Wescot....willing to consider realistic payment proposals....cannot remain outstanding....if full payment/proposals are not made within 10 days further recovery activity will be undertaken....to prevent call Westcott urgently...." I2D says to send "Account sold whilst in dispute" - letter sent.

16/07/12 - Letter rec'd from Westcot: "....DOOR STEP COLLECTION NOTICE....we know of no genuine reason not to repay this debt....instructions will now be provided to our agent to visit your home to agree payment plan....you have a final opportunity to avoid this by contacting us IMMEDIATELY to arrange repayment....". I2D says to send "Doorstep Visit" template - letter sent.

1/07/12 - Letter rec'd from Westcott: "...when you signed your contract it stated acc may be passed to a third party to deal with...please contact us to arrange payment...". I will ignore and see what they send/do next.

23/07/12 - Letter rec'd from Westcot: "...acknowledge you have a query on account...we will investigate and get back to you...may take several weeks...all collection activities will stop whilst being investigated...". I will file and see what they come back with next.

03/08/12 - Letter rec'd from Westcot: "...refer to your recent communication...we have contacted our client who have advised they have no record of a CCA request for this account...dispute now resolved and full balance or monthly payments now required...please contact us...if you still believe you have valid dispute contact us in 14 days otherwise acc will be returned to our recovery team...". Not sure what to make of this as my CCA request was sent on 06/10/10.

09/08/12 - "Creditor refusal to accept UE status" letter sent

22/08/12 - Letter rec'd from Westcot: "...acknowledge you have a query on account...we will investigate and get back to you...may take several weeks...all collection activities will stop whilst being investigated...". I will file and see what they come back with next.

25/08/12 - Letter rec'd from Wescot: "...we have contacted our client who have provided the documentation you requested..see attached...we believe dispute is now resolved...full balance or agreed monthly insalment is now required...please contact us...". Nid says send CCA query missing PT's - letter sent

14/09/12 - Letter rec'd from Westcot: "...acknowledge you have a query on account...we will investigate and get back to you...may take several weeks...all collection activities will stop whilst being investigated...". I will file and see what they come back with next.

Hi Niddy/I2D

I have an update to above account:

UPDATE: 03/10/12

Letter rec'd from Wescot: "...we have contacted our client who have provided the documentation you requested...we believe dispute is now resolved...full balance or agreed monthly insalment is now required...please contact us..."

Do I need to send anything or just sit tight and see what they do next.

Many thanks

[Deepie]

Re: October Revolution's UE Diary

Hi Niddy/I2D

I have an update to above account:

UPDATE: 03/10/12

Letter rec'd from Wescot: "...we have contacted our client who have provided the documentation you requested...we believe dispute is now resolved...full balance or agreed monthly insalment is now required...please contact us..."

Do I need to send anything or just sit tight and see what they do next.

Many thanks

I would see what they do next if it were me.........

[Oct Revolution]

Re: October Revolution's UE Diary

I would see what they do next if it were me.........

Thats just what I'll do I2D,

many thanks

[The Tech Clerk]

Re: October Revolution's UE Diary

Just wait and se next move,?

[ScabHunter]

Re: October Revolution's UE Diary

Wow, Wasteclot are being persistent with this one, aren't they? Still, I suppose the more time it spends with an utterly useless DCA the less time it can spend anywhere else.

It looks like they're using attrition warfare here – just sending out the same crap over and over again in an attempt to wear you down. The September 14th letter looks like a copy of July 23rd and October 3rd is a copy of August 25th. I bet they get sick of it before you do.

They say “our client who have provided the documentation you requested”, did they ever send anything with these silly templates to try to back up their case?

Just out of interest, does anybody know how often this rabble actually gets a result, as in gets somebody into court and gets a judgment?

SH

[SA Gold]

Re: October Revolution's UE Diary

Just out of interest, does anybody know how often this rabble actually gets a result, as in gets somebody into court and gets a judgment?

SH

That's something i'd like to know too.

[Oct Revolution]

Re: October Revolution's UE Diary

Wow, Wasteclot are being persistent with this one, aren't they? Still, I suppose the more time it spends with an utterly useless DCA the less time it can spend anywhere else.

It looks like they're using attrition warfare here – just sending out the same crap over and over again in an attempt to wear you down. The September 14th letter looks like a copy of July 23rd and October 3rd is a copy of August 25th. I bet they get sick of it before you do.

They say “our client who have provided the documentation you requested”, did they ever send anything with these silly templates to try to back up their case?

Just out of interest, does anybody know how often this rabble actually gets a result, as in gets somebody into court and gets a judgment?

SH

Yes we do seem to be going round in circles with the same letters, but as you say they'll get fed up before I do.

Wescot have not backed any of their letters up with any further documentation - only ever received T&C's from Tesco way way back in Novemeber 2010.

No worries the SB clock is ticking all the time so lets see what happens next!

[Oct Revolution]

Re: October Revolution's UE Diary

Hull Heroes Wetclothes are at the top of the DCA League of Incompetence! They are a 5 outfit!

The Heroes did the same with me, sent lots of letters, then got their letterheads-for-rent Nelson Gits Puppets to write to me some more. I ignored most of their missives and when I sent Nelson Gits the Account in Dispute letter, they just went back to the Hull Heroes who told me to send £1 to the OC for a CCA request!

This all took place in the Spring/Summer of 2011, last I heard from them was before I even found this forum! I sent my CCA request to RBS in March 2010, response was an application form with no terms.

Wetclothes gave up the ghost and later on I heard from Bagshot Bums Regal in Dec/Jan, that was The End!

Yeah I've had a few letters from Nelson et al and then from Wescot saying Tesco have no record of my CCA request (although they sent T&C's back to me) so yeah going round and round in circles but I'm fine with that.

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 8

Royal Bank of Scotland

Account: Credit Card
Commenced: 1995
Balance: 9k
Date of Last full payment: 11/2009
Start of £1 token Payment: 12/2009
Acc Status: Defaulted 2/2010
Acc Owner: Original Creditor

Further info/details: Agree to £1/month payments. Last contact September 2010 (statement). No interest or fees being added.

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.

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....". NID says wait to see what their next move is.

23/12/11 - Letter rec'd from Westcot: "....FINAL NOTICE ....our latest enquiries confirm you are resident at this address....contact us in next 10 days or further collection activities will begin....please do not ignore....we or client could take legal action against you....or refer debt to a door step collection agency....it is very important you take IMMEDIATE action to resolve this issue....contact us...." Nid says ignore and see what they do next.

09/01/12 - Letter rec'd from Nelson Guest & Partners: "....we are instructed by Westcot as a final attempt to avoid further action to offer you a discount....limited period only....contact Westcot....if no settlement agreed we will continue to recover full amount...we may be able to offer a realistic payment plan....if no contact in next 10 days further recovery action will be taken....contact Westcot...." I2D says ignore and see what happens next.

30/01/12 - Letter rec'd from Nelson Guest & Partners Solicitors: "....instructed by Wescot....willing to consider realistic payment proposals....cannot remain outstanding....if full payment/proposals are not made within 10 days further recovery activity will be undertaken....to prevent call Westcott urgently...." I2D says to send "Account sold whilst in dispute" - letter sent.

09/02/12 - Letter rec'd from Westcot: "....DOOR STEP COLLECTION NOTICE....we know of no genuine reason not to repay this debt....instructions will now be provided to our agent to visit your home to agree payment plan...." "doorstep visit" template sent.

20/02/12 - Letter rec'd from Westcot (in response to my last letter): "....we act within OFT guidelines....our door to door agents will make an appointment with you prior to visiting....trust this clarifies matter....". I will ignore and file for the time being.

22/02/12 - Another letter rec'd from Westcot: "....following your request for a copy of CCA.... our client has requested you write to them requesting a copy enclosing £1....trusting the above clarifies situation....". Are they playing silly buggers or don't know what left hand from right is doing. I2D says IGNORE

22/03/12 - Letter rec'd from Credit Security Limited: "...instructed by our client to recover debt...unless there is a valid reason not to pay amount is due in 7 days....contact us to arrange payment...". I2D says to IGNORE

02/04/12 - Letter rec'd from Credit Security Limited: "...we cannot trace a reply to our recent letter...we DEMAND payment IMMEDIATELY to this office...failure will result in a DEBT COLLECTOR calling upon you for payment...". I2D says send "Harassment & threat of doorstep visit". Letter sent.


12/04/12 - Letter rec'd from Credit Security Limited: "...we write in reply to your letter....our letter stated acc has been transferred to us...we look forward to receiving a payment and repayment proposal in order to resolve matter..." I will IGNORE for now.

17/04/12 - letter from Credit Security Ltd: "...once again you have disregarded our request for payment...left with one course of action before refereeing your acc to a doorstep agent...final gesture to resolve our client is prepared to offer reduced sum as FFP...contact us...". Advised to send "acc sold whilst in dispute" letter.

23/04/12 - letter from Credit Security Ltd: "...write in reply to last letter...have noted comments...we will take no further action...account passed backed to Westcot..."

12/05/12 - letter from westcot: "...we have contacted our client who state sent final response in April 2011....dispute now resolved...full balance or agreed monthly payments required by return....please contact us within 14 days or acc will be passed to our collection team...". I will IGNORE and see what happens next.

15/08/12 - Letter rec'd from Regal Credit Consultants Ltd: "...your details have been passed to us by RBS to act as agents...we will contact you in next 7 days by Letter/phone to discuss payment of acc....". "Acc sold whilst in dispute" letter sent.

29/08/12 - Letter from Regal Credit: "...in receipt of complaint...we are looking into your complaint...we will contact you in due course...". I will file and await their reply.

06/09/12 - Letter rec'd from Regal Credit: "...we have looked into your complaint and contacted our client...who confirm CCA requested was fully complied with in Oct 2010...we will continue with collections...acc on hold for 2 weeks so you can contact us and provide us with payment proposals...". I2D says ignore and see what they do next

Hi Niddy/I2D,

I have an update to above account:

UPDATE: 10/10/12:

Letter rec'd from Regal Credit: "...despite previous attempts to contact you the balance still remains outstanding...unless we can discuss re-payment plan over the phone your acc will be passed to our field agents to visit you to discuss the matter...please contact us to arrange convenient time to visit you...".

As I have no intention to phone them and arrange a time for a visit should I just ignore or send "Threat of door step visit" letter.

Many thanks for your help