Pip's UE Diary

[nanna58]

Re: Pip's UE Diary

Have a happy Christmas and a fab new year xxxx

[Pip]

Re: Pip's UE Diary

Hello everyone,

Just a quick update ... I know we still have two weeks before 2015 draws to a close, but I can hardly believe that I've only had very minor dealings with only one single creditor/DCA this whole year! [I'm touching wood with one hand while I type though]

It's just as well, as work has been very thin on the ground this year, but January's looking more promising so hopefully I can refill the coffers a bit ... and make a new donation to AAD. Christmas presents I've bought for the rels are half-size this year!

Come January it'll be four whole years since I joined AAD. I can barely believe it. I'll put a proper post in the "One Year On" thread then. Not a single penny has been paid out to creditors or DCAs in four years (compared to the thousands of pounds that was going down a CCCA debt management plan plughole before I was directed to this incredible, unique website that is like no other anywhere, ever!

I think I must echo every other member who cannot thank Niddy and the team enough for having rescued me from a desperate situation of fear and dread of every postal delivery each day. Still a couple of years to go until SB but I'm well free of the daily debt worries and desperation I had at the end of 2011.

I'm also a big fan of the Christmas smilies!

[nightwatch]

Re: Pip's UE Diary

always best to check xx

[Pip]

Re: Pip's UE Diary

Thanks cymruambyth -- thought it was worth checking!

[cymruambyth]

Re: Pip's UE Diary

I would just ignore. I think they have become slightly more aware of the law recently! They have only invited you to contact them and haven't offered anything new.

[Pip]

Re: Pip's UE Diary

Pip's account no. 3
Lloyds TSB
Start date: Jan 2004
Balance as of Dec 2011: approx. £13,000
Last "full" payment (i.e. within their stipulated minimum): Sep 2010 (approx).
Last DMP payment via CCCS: Dec 2011
Default notice issued November 2010.
Status: Last payment in Dec 2011 (smaller amount in Dec 2011 than the regular DMP payment had been up to that month)

snipped -- see post #3 for full history
2014
JUN Letter from Lloyds Statement of account in letter form not showing anything other than the balance
DEC Notice of Assignment from Lloyds Lloyds has assigned all of its respective rights, title and interest in respect of this account (inc. outstanding balance) to 1st Credit (Finance) Ltd.
DEC Letter from 1st Credit Following assignment from Lloyds Bank plc, we would like to introduce 1st Credit (Finance) Ltd as the new legal owner of the outstanding debt. Please contact us to discuss repayment options.
2015
JAN Letter from 1st Credit If we don't hear from you, we can't help. [...] Should no contact be made with 1st Credit an escalation in collections activity may be considered. We prefer to not pursue this course of action and encourage you to engage with us to reach a resolution.
JAN Sent CCA request to 1st Credit
JAN Letter from 1st Credit (automated letter dated same day as they received the CCA request as per Royal Mail conf.) County Court proceedings are being considered. Regrettably, we are considering whether we should issue County Court proceedings against you. If a CCJ is registered against you, you may find it difficult to obtain credit at competitive rates. We would prefer not to pursue this course of action and encourage you to engage with us to reach an agreeable solution.
JAN Letter from 1st Credit Thank you for your recent communication. We are aware that you have requested a copy of your original credit agreement and/or statements for the duration of your account. We will contact the original creditor. We will suspend collections activity whilst the matter is under investigation. Please be assured that 1st Credit Ltd will assist you in resolving any outstanding queries.
JUN Letter from 1st Credit Annual statement enclosed. Should you wish to discuss this further please contact us. The details enclosed within this letter are for your information and we encourage you to take the time to read through them. // Blah convenient payment options.

Hello!
This sounds benign enough and the wording might just be their standard blurb for an annual statement. I've heard of 1st Credit being a bit happy to issue claims though so just thought I should check. Since their CCA request acknowledgement in January where they said they'd stop collections activity, they've sent nothing apart from this statement (perhaps because Lloyds have nothing to send on to them?)

[Undercover Elsa]

Re: Pip's UE Diary

Shhhh touch wood now you've said that Pip!

[SaltnVinegar]

Re: Pip's UE Diary

Hello everyone,
Just to do a quick update -- I still haven't heard from any creditors or their goons since January! I can hardly believe it. Still quite a way off SB -- although thinking about it, it's only 2½ years give-or-take until 2018!! How time flies ...

Good news Pip - lets hope it stays that way!

[nanna58]

Re: Pip's UE Diary

Brilliant x thanks for the update if it changes let us know xxxx

[Pip]

Re: Pip's UE Diary

Hello everyone,
Just to do a quick update -- I still haven't heard from any creditors or their goons since January! I can hardly believe it. Still quite a way off SB -- although thinking about it, it's only 2½ years give-or-take until 2018!! How time flies ...

[Pip]

Re: Pip's UE Diary

Hi there

All quiet on the western front? Any news?

Best
SnV

Hello SnV!
Yep, all quiet! No news = good news! I'm enjoying this lull, if not the weather!

[SaltnVinegar]

Re: Pip's UE Diary

Hi there

All quiet on the western front? Any news?

Best
SnV

[Pip]

Re: Pip's UE Diary

Pip's account no. 3
Lloyds TSB
Start date: Jan 2004
Balance as of Dec 2011: approx. £13,000
Last "full" payment (i.e. within their stipulated minimum): Sep 2010 (approx).
Last DMP payment via CCCS: Dec 2011
Default notice issued November 2010.
Status: Last payment in Dec 2011 (smaller amount in Dec 2011 than the regular DMP payment had been up to that month)

2012
snipped; see post #3
JAN Reply to CCA request received from Lloyds TSB -- Niddy says !
snipped; see post #3
2014
snipped; see post #3
JUN Letter from Lloyds Statement of account in letter form not showing anything other than the balance
DEC Notice of Assignment from Lloyds Lloyds has assigned all of its respective rights, title and interest in respect of this account (inc. outstanding balance) to 1st Credit (Finance) Ltd,
DEC Letter from 1st Credit Following assignment from Lloyds Bank plc, we would like to introduce 1st Credit (Finance) Ltd as the new legal owner of the outstanding debt. Please contact us to discuss repayment options.
2015
JAN Letter from 1st Credit If we don't hear from you, we can't help. [...] Should no contact be made with 1st Credit an escalation in collections activity may be considered. We prefer to not pursue this course of action and encourage you to engage with us to reach a resolution.
JAN Sent CCA request to 1st Credit
JAN Letter from 1st Credit (automated letter dated same day as they received the CCA request as per Royal Mail conf.) County Court proceedings are being considered. Regrettably, we are considering whether we should issue County Court proceedings against you. If a CCJ is registered against you, you may find it difficult to obtain credit at competitive rates. We would prefer not to pursue this course of action and encourage you to engage with us to reach an agreeable solution.
JAN Letter from 1st Credit Thank you for your recent communication. We are aware that you have requested a copy of your original credit agreement and/or statements for the duration of your account. We will contact the original creditor. We will suspend collections activity whilst the matter is under investigation. Please be assured that 1st Credit Ltd will assist you in resolving any outstanding queries.

Ah, right -- they've replied to the CCA request! I'll sit tight and save myself a trip to the post office.

[SXGuy]

Re: Pip's UE Diary

had a response to my CCA Request today, account on hold while they ask the OC. Still waiting on response to my reply re SD threat. Seems they have about a 10 day turnaround in replying.

[SaltnVinegar]

Re: Pip's UE Diary

Seems like 1st Credit had a buying spree from Lloyds at the beginning of December as they also bought my OD. I've been ill recently and only sent a version of Sold While in Dispute this week. I haven't had any other letters from them...though I probably will today now that I've said that!

Yeah they have my O/D account also.