Pip's UE Diary

[Pixie]

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!

[Pip]

Re: Pip's UE Diary

Thanks everyone -- I'll send one off tomorrow if nothing comes from them in tomorrow's post!

[cymruambyth]

Re: Pip's UE Diary

So eloquent MrsD

[MrsD]

Re: Pip's UE Diary

They're hasty, this lot. And all this nonsense straddled the Christmas/New Year shutdown. Their letter printing machine sent this out the same day as they received the CCA request. Wondering if I need to send anything? Normally of course I would not ignore a letter that threatens court proceedings but this has crossed with the CCA request and the wording of the rest of this short letter sounds a lot like bluster ...

in this situation i would do a one liner referring them to your cca request.

dear eejits

I am in receipt of your miserable letter of blah, and would refer you to the letter of blah received and signed for in your office on the blah but obviously not read.

yours stick a big loo brush up your bum

pip

[SXGuy]

Re: Pip's UE Diary

The exact letters in the same Order was received by me also. The threat of SD was dated 30th December, day before new years Eve. Although it has prob crossed paths with your CCA Request I personally responded to it, not because of anything other than the fact threats like those are part of why the OFT sanctioned them for in 2009. I personally feel they are trying to intimidate a debtor sending that, no other reason for it after 2 initial letters. I am on my phone right now but next time I'm on my computer I will show you the response I made to them. Failing that perhaps a skilled mod, expert or Niddy could mock you up a special reply.

[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.

They're hasty, this lot. And all this nonsense straddled the Christmas/New Year shutdown. Their letter printing machine sent this out the same day as they received the CCA request. Wondering if I need to send anything? Normally of course I would not ignore a letter that threatens court proceedings but this has crossed with the CCA request and the wording of the rest of this short letter sounds a lot like bluster ...

[Pip]

Re: Pip's UE Diary

1st Credit seem to love the printer at the moment, i must have got about 3 letters all a week apart over xmas. What winds me up is their timing. I know they do it to try and scare you, but it was xmas and new year? how do they know we arnt away for 2 weeks! winds me up.

I was thinking the same, SXGuy. For all their guff in the first letter about "we get the maximum three stars for touchy-feely customer service", in their second letter after informing that they've bought the debt they threaten bankruptcy proceedings! (I haven't had that letter yet but it's bloody hasty of them).
I was a bit concerned given the B-word, and that there has been a flurry of letters from 1st Credit to a few members lately, but Grassy_K's experience is encouraging: after sending the CCA request, an acknowledgement letter came back a week later, then five months' silence, then a letter to say they've assigned the account back to the OC! So fingers crossed for us!

[SXGuy]

Re: Pip's UE Diary

1st Credit seem to love the printer at the moment, i must have got about 3 letters all a week apart over xmas. What winds me up is their timing. I know they do it to try and scare you, but it was xmas and new year? how do they know we arnt away for 2 weeks! winds me up.

[Pip]

Re: Pip's UE Diary

Thanks Mrs D and Grassy!
Good to know that they backed off in your case, Grassy ... I know of two other members who are in exactly the same position at the mo -- SXGuy and Henryhatter. I'll be keeping an eye on their experiences!

[Grassy_K]

Re: Pip's UE Diary

Hope I can still use these smilies through to the end of winter! I was sad to see people dragging their Christmas trees along the street to the council recycling area as early as Boxing Day.

1st Credit are here and they've bought Lloyd's Lemon Basted Turkey. I've read on SXGuy's diary that Niddy recommends just sending off a CCA request to 1st Credit as a first contact rather than the usual letter sequence. Lloyds have never produced a valid CCA. Going by what Niddy said a few weeks ago, I'll send off a CCA request today!

From personal experience, they do back right off if the OC can't produce the documentation. Hope that's the case here.

[MrsD]

Re: Pip's UE Diary

good plan Pip, they(1st credit) are getting a bit excited so better to put their gas at a peep

[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 for rest
JAN Reply to CCA request received from Lloyds TSB -- Niddy says !
snipped, see post #3 for rest
2014
snipped, see post #3 for rest
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.

Hope I can still use these smilies through to the end of winter! I was sad to see people dragging their Christmas trees along the street to the council recycling area as early as Boxing Day.

1st Credit are here and they've bought Lloyd's Lemon Basted Turkey. I've read on SXGuy's diary that Niddy recommends just sending off a CCA request to 1st Credit as a first contact rather than the usual letter sequence. Lloyds have never produced a valid CCA. Going by what Niddy said a few weeks ago, I'll send off a CCA request today!

[nightwatch]

Re: Pip's UE Diary

Hi Pip
I think the next step would be the letter you mention http://www.all-about-debt.co.uk/inde...escribed-terms
good luck NW x

[Pip]

Re: Pip's UE Diary

Pip's account no. 4
MBNA
Start date: June 2003
Balance as of Dec 2011: approx. £5,000
Last "full" payment (i.e. within their stipulated minimum): Sep 2010 (approx).
Last DMP payment via CCCS: Dec 2011
Default notice issued March 2011.
Status: Last payment in Dec 2011 (smaller amount in Dec 2011 than the regular DMP payment had been up to that month)

2012
JAN CCA Request sent to MBNA
JAN CCA received -- emailed Niddy -- Niddy says half and half
JAN Sent Missing Prescribed Terms letter to MBNA
JAN Letter received from MBNA saying "Balance sold to Britannica Recoveries S.á.r.l. Mortlake"; with letter in same envelope from "Moorgate Loan Servicing". The wording says "it's been purchased", but there is no Notice of Assignment ...

[snipped, see post #4 for rest]
NOV Letter from Moorgate: Britannica Recoveries S.a.r.l. - Mortlake have sold this account to Arrow Global Guernsey ("Arrow Global"). The transfer assigns all rights as owner to Arrow Global.
[snipped, see post #4 for rest]
2013
[snipped, see post #4 for rest]
2014
JUL Letter from Arrow Global: We have now appointed Rockwell Debt Collection Agency to manage your account. Please contact Rockwell DCA to arrange payment of this account as a matter of urgency.
JUL Letter from Rockwell: Welcome to Rockwell. Please call us.
AUG Sent Account Sold in Dispute letter to Rockwell
OCT Letter from Rockwell: We referred your letter to our client. They have since confirmed that they received a request for CCA docs. These were all sent to you in Aug 2013, however we note you disputed the validity of the agreement with our client. They have further confirmed that this was not upheld and they sent you their final response in Sep 2013. As such, the balance remains due for payment. We therefore await your realistic proposals, along with income, expenditure, assets and liabilities. Blank I&E form enclosed. If you require further assistance in managing your debt, contact CAB, StepChange etc.

Rockwell have eventually got back to me after giving themselves an extended summer break. Wonder if the next step is to send a Missing Prescribed Terms letter?
Many thanks as ever!

[Pip]

Re: Pip's UE Diary

Thanks Pixie!
I should know better but I got really quite nervous when I saw this envelope before I opened it ...