Pip's UE Diary

[Pip]

Re: Pip's UE Diary

"regardless whether your client says it has been resolved, I am saying there are outstanding issues and I request you recourse the account back to them so they can properly deal with my complaint, otherwise I presume you're taking ownership so I will resubmit the same complaint to you."

I like it!

[Never-In-Doubt]

Re: Pip's UE Diary

see what they send back next.... it may need a quick one liner along the lines of

"regardless whether your client says it has been resolved, I am saying there are outstanding issues and I request you recourse the account back to them so they can properly deal with my complaint, otherwise I presume you're taking ownership so I will resubmit the same complaint to you."

Kinda thing

[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
JAN CCA request letter sent to Lloyds TSB (Royal Mail delivery conf. printed)
JAN Letter from B*L*S*** Collections saying payment plan is now in arrears [payment into DMP reduced in December]. "To avoid action, blah, make payment with debit or CREDIT CARD. Contact CAB or CCCS."
JAN Identical letter to one above from B*L*S*** Collections, dated/arriving one day later
JAN Reply to CCA request received from Lloyds TSB -- Niddy says !
JAN Sent Missing Prescribed Terms letter
JAN Letter from BLS Collections saying "It is essential that you telephone BLS Collections TODAY. " in capitals, bold AND underlined! [this is due to reduced payment they received last month. Payments have now stopped altogether]
JAN Letter from BLS Collections: "Repayment plan you agreed to is still overdue. We have previously reminded you about the money and you must pay the amount outstanding straight away. If you don't pay the outstanding amount to bring your account back on track within 10 days you will fall further into arrears etc./payment plan will be cancelled and full balance will be due. They're Lloyds TSB's in-house DCA/letter printing machine -- do I need to respond to this? See also Lloyds TSB letter received below
JAN Letter from Lloyds TSB: According to our records we supplied reconstituted copies of the agreement in place at the time the account was opened and the one currently in place. By providing these copies, we satisfied our obligation under s.78. // The regulations define what is required of a "copy". Whilst regulation 3 provided "every copy" of an executed agreement... shall be a true copy". [sic -- sentence ends there] [snipped, see post #3 above]
FEB Letter from B*L*S*** Collections: Essential that you call BLS TODAY.
FEB Letter from B*L*S*** Collections: In arrears // Failure to contact may result in court proceedings, door-to-door collections agent
FEB Sent Threat-o-Gram Letter Before Action
MAR Letter from B*L*S*** Collections: Essential that you call BLS TODAY.
MAR Letter from B*L*S*** Collections: We wrote to you recently and can only assume, due to your lack of contact, that you have no intention of paying this debt on a voluntary basis. // [snipped, see post #3 above]
MAR Replied sending copies of Threat-o-Gram Letter Before Action previously sent to them which they have so far ignored
APR Letter on Lloyds TSB letterhead but with Robinson Way address at top right of page: Statement of account going back a year [laid out like a letter, not a "regular" credit card statement] Wording includes: If you have a problem with your agreement, please try and settle it with us in the first instance.
APR Letter from Robinson Way (same day as above LTSB statement letter): FORMAL DEMAND FOR PAYMENT. Our client has authorised us to recover the full amount you owe. PLEASE PAY blah. If you cannot pay in full, call us to agree an affordable payment plan. If you don't, we may advise court action. If you fail to pay in accordance with court payment order, the following may occur: # Application made to court to enforce repayment [?], # Future credit will be difficult to obtain [durr!]. # This account may continue to be a worry for you. Unpaid debts don't just go away or get forgotten no matter how much people want that to happen.
APR Sent Account sold whilst in dispute letter to Robinson Way
APR Letter from Robinson Way [above sold in dispute letter has crossed with this one]: SECURITY TELEMESSAGE - SECURITY TELEMESSAGE [yet so urgent that they sent it via Mailsort-type bulk mail] RECENT ACTIONS ON YOUR ACCOUNT ARE GIVING CAUSE FOR CONCERN - PLEASE CONTACT US IMMEDIATELY ON 0845 - PLEASE DO NOT DELAY - QUOTE ABOVE REFERENCE NUMBER - SECURITY TELEMESSAGE - SECURITY TELEMESSAGE
MAY Letter from Robinson Way: Please note we have noted the dispute/query you have raised; we will make enquiries and let you know the outcome. In the meantime we will stop all collection activity for this account.
SEP Letter from Apex Credit Mgt: Our client is aware of the difficult financial circumstances that a number of their customers are currently experiencing. As a result they have authorised us to consider a discounted settlement figure against the above listed debt. We may be able to offer you a substantial discount on your balance and would like to explore this option with you. This offer is available for a period of 21 days from the date of this letter. To confirm eligibility and take advantage of this enhanced opportunity to clear this debt, please contact us without delay.
SEP Letter from H L Solicitors / H L Legal: NOTICE OF PENDING LEGAL ACTION // We have been instructed by Apex, agents for above named creditor [Lloyds TSB] in relation to your outstanding sum. // Unless our client received payment in full or a valid reason for non-payment of the account within the next 7 days, court proceedings may be taken against you without further notice. // Should court proceedings be issued, you will by liable for X, Y and Z which would significantly increase your balance. If judgment is entered against you, it may make it difficult for you to obtain credit in future. // Please note, we are instructed not to enter into correspondence with you but to refer you to Apex. You can contact them on the number stated above or at the address supplied on previous correspondence.
SEP Sent Account sold whilst in dispute letter to Apex Credit Mgt
OCT Letter from Apex Credit Mgt: With reference to your dispute, Lloyds Banking Group have confirmed a final response letter has been issued. Please see enclosed a copy of the final response dated January 2012. If you are unhappy with the outcome of your dispute, please contact the Financial Ombudsman Service and update us accordingly. If you wish to discuss this matter further, please contact us.
2013
FEB Letter "from Lloyds TSB" [but in an envelope with Wescot's address on the back]: As we haven't been able to agree a suitable repayment plan we've transferred your Lloyds TSB credit card to a debt collection agency, Wescot Credit Services Ltd. We've instructed Wescot to arrange collection of the outstanding amount. // Please contact Wescot a.s.a.p. to arrange to pay back the outstanding balance.
MAR Letter from Wescot Wescot Credit Services is a specialist DEBT COLLECTION organisation ... instructed by client to collect outstanding balance on their behalf. // You should follow the instructions and reply IMMEDIATELY. TO AVOID WESCOT TAKING FURTHER ACTION, YOU MUST 1) PAY THE DEBT IN FULL, OR 2) CONTACT US ON 0845 ...
MAR Sent Account sold whilst in dispute letter to Wescot
MAR Letter from Wescot We acknowledge that you have raised a query on this account // We will suspend all collection activity whilst the matter is under investigation. // As our investigation of your query will require us to contact our client, this process may take several weeks. We would appreciate your patience during this time. Upon concluding our investigation we will contact you again.

Hmm. They've been quite quick about it. Not had dealings with these before so don't know what their bark-to-bite quotient is:

MAR Letter from Wescot Having contacted our client they have advised that they had sent a letter to you in January 2012 with regards to your dispute (copy enclosed). // We believe the dispute has now been resolved and the full balance or an agreed monthly instalment is required by return. // In the event you believe you still have a valid dispute, please contact us with details wihin the next 14 days otherwise your account will be returned to our recovery team for collection [enclosed copy letter from Lloyds TSB from Jan 2012 (but with no LTSB letterhead): "According to our records we supplied reconstituted copies ..." above)

They say they'll do bugger-all for 14 days though ...

[The Tech Clerk]

Re: Pip's UE Diary

Or state "Go Fourth & Multiply"

[Undercover Elsa]

Re: Pip's UE Diary

With Wescot, "further action" is a different coloured letter

[jon1965]

Re: Pip's UE Diary

Use Capital letters and words of no more than 3 or maybe 4 words.

F*** off would fit perfectly

About their level of understanding as they will not have a clue about what the sold in dispute letter means

[Pip]

Re: Pip's UE Diary

Thanks Vint,
Think I'll leave it until next week and enjoy the weekend!

[vint1954]

Re: Pip's UE Diary

I would send the account sold in dispute Pip

[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
JAN CCA request letter sent to Lloyds TSB (Royal Mail delivery conf. printed)
JAN Letter from B*L*S*** Collections saying payment plan is now in arrears [payment into DMP reduced in December]. "To avoid action, blah, make payment with debit or CREDIT CARD. Contact CAB or CCCS."
JAN Identical letter to one above from B*L*S*** Collections, dated/arriving one day later
JAN Reply to CCA request received from Lloyds TSB -- Niddy says !
JAN Sent Missing Prescribed Terms letter
JAN Letter from BLS Collections saying "It is essential that you telephone BLS Collections TODAY. " in capitals, bold AND underlined! [this is due to reduced payment they received last month. Payments have now stopped altogether]
JAN Letter from BLS Collections: "Repayment plan you agreed to is still overdue. We have previously reminded you about the money and you must pay the amount outstanding straight away. If you don't pay the outstanding amount to bring your account back on track within 10 days you will fall further into arrears etc./payment plan will be cancelled and full balance will be due. They're Lloyds TSB's inhouse DCA/letter printing machine -- do I need to respond to this? See also Lloyds TSB letter received below
JAN Letter from Lloyds TSB: According to our records we supplied reconstituted copies of the agreement in place at the time the account was opened and the one currently in place. By providing these copies, we satisfied our obligation under s.78. // [snipped, see post #3] // Signed by a real human with a real biro!
FEB Letter from B*L*S*** Collections: Essential that you call BLS TODAY.
FEB Letter from B*L*S*** Collections: In arrears // Failure to contact may result in court proceedings, door-to-door collections agent
FEB Sent Threat-o-Gram Letter Before Action
MAR Letter from B*L*S*** Collections: Essential that you call BLS TODAY.
MAR Letter from B*L*S*** Collections: We wrote to you recently and can only assume, due to your lack of contact, that you have no intention of paying this debt on a voluntary basis. //
[snipped, see post #3]
MAR Replied sending copies of Threat-o-Gram Letter Before Action previously sent to them which they have so far ignored
APR Letter on Lloyds TSB letterhead but with Robinson Way address at top right of page: Statement of account going back a year [laid out like a letter, not a "regular" credit card statement] Wording includes: If you have a problem with your agreement, please try and settle it with us in the first instance.
APR Letter from Robinson Way (same day as above LTSB statement letter): FORMAL DEMAND FOR PAYMENT. Our client has authorised us to recover the full amount you owe. PLEASE PAY blah. If you cannot pay in full, call us to agree an affordable payment plan. If you don't, we may advise court action. If you fail to pay in accordance with court payment order, the following may occur: # Application made to court to enforce repayment [?], # Future credit will be difficult to obtain [durr!]. # This account may continue to be a worry for you. Unpaid debts don't just go away or get forgotten no matter how much people want that to happen.
APR Sent Account sold whilst in dispute letter to Robinson Way
APR Letter from Robinson Way [above sold in dispute letter has crossed with this one]: SECURITY TELEMESSAGE - SECURITY TELEMESSAGE [yet so urgent that they sent it via Mailsort-type bulk mail] RECENT ACTIONS ON YOUR ACCOUNT ARE GIVING CAUSE FOR CONCERN - PLEASE CONTACT US IMMEDIATELY ON 0845 - PLEASE DO NOT DELAY - QUOTE ABOVE REFERENCE NUMBER - SECURITY TELEMESSAGE - SECURITY TELEMESSAGE
MAY Letter from Robinson Way: Please note we have noted the dispute/query you have raised; we will make enquiries and let you know the outcome. In the meantime we will stop all collection activity for this account.
SEP Letter from Apex Credit Mgt: Our client is aware of the difficult financial circumstances that a number of their customers are currently experiencing. As a result they have authorised us to consider a discounted settlement figure against the above listed debt. We may be able to offer you a substantial discount on your balance and would like to explore this option with you. This offer is available for a period of 21 days from the date of this letter. To confirm eligibility and take advantage of this enhanced opportunity to clear this debt, please contact us without delay.
SEP Letter from H L Solicitors / H L Legal: NOTICE OF PENDING LEGAL ACTION // We have been instructed by Apex, agents for above named creditor [Lloyds TSB] in relation to your outstanding sum. // Unless our client received payment in full or a valid reason for non-payment of the account within the next 7 days, court proceedings may be taken against you without further notice. // Should court proceedings be issued, you will by liable for X, Y and Z which would significantly increase your balance. If judgment is entered against you, it may make it difficult for you to obtain credit in future. // Please note, we are instructed not to enter into correspondence with you but to refer you to Apex. You can contact them on the number stated above or at the address supplied on previous correspondence.
SEP Sent Account sold whilst in dispute letter to Apex Credit Mgt
OCT Letter from Apex Credit Mgt: With reference to your dispute, Lloyds Banking Group have confirmed a final response letter has been issued. Please see enclosed a copy of the final response dated January 2012. If you are unhappy with the outcome of your dispute, please contact the Financial Ombudsman Service and update us accordingly. If you wish to discuss this matter further, please contact us.
2013
FEB Letter "from Lloyds TSB" [but in an envelope with Wescot's address on the back]: As we haven't been able to agree a suitable repayment plan we've transferred your Lloyds TSB credit card to a debt collection agency, Wescot Credit Services Ltd. We've instructed Wescot to arrange collection of the outstanding amount. // Please contact Wescot a.s.a.p. to arrange to pay back the outstanding balance.

Didn't take them long ...

MAR Letter from Wescot Wescot Credit Services is a specialist DEBT COLLECTION organisation ... instructed by client to collect outstanding balance on their behalf. // You should follow the instructions and reply IMMEDIATELY. TO AVOID WESCOT TAKING FURTHER ACTION, YOU MUST 1) PAY THE DEBT IN FULL, OR 2) CONTACT US ON 0845 ...

Is this in "ignore" or "send Account Sold in Dispute" letter?

[SA Gold]

Re: Pip's UE Diary

Moorcroft have been doing this since June 2012: so I think they're about to wash their hands of it!

Got my fingers crossed for you Pip!

[helmsman]

Re: Pip's UE Diary

Had it also, took around 2 months before another DCA popped its head up

Yep me toooooooo ages ago no contact from anyone yet.

[SXGuy]

Re: Pip's UE Diary

Had it also, took around 2 months before another DCA popped its head up

[oldyboy]

Re: Pip's UE Diary

What a quiet year it's been so far! There's always a bit of trepidation when a letter arrives though, but this one was cause for a minor celebration (like treating myself to a chocolate hob-nob) as it means I've seen the back of Credit Solutions Ltd:

FEB Letter from Capital One: PLEASE BE AWARE: Your account has moved. Your account is no longer being managed by the DCA who were acting on behalf of Capital One. It is important that you continue to make payments to your account. Payments should be made direct to Capital One unless otherwise notified. Please disregard this letter if you have agreed a settlement figure with the DCA and have made that payment.

It's a bit of an oddly worded wishy-washy letter and not really deserving of a response!

Yeah, I've had that letter too, quite a while ago. I didn't understand it either-it seemed to me to be almost pointless.

I didn't dignify it with a response and I've so far heard nothing else...

[nightwatch]

Re: Pip's UE Diary

What a quiet year it's been so far! There's always a bit of trepidation when a letter arrives though, but this one was cause for a minor celebration (like treating myself to a chocolate hob-nob) as it means I've seen the back of Credit Solutions Ltd:

FEB Letter from Capital One: PLEASE BE AWARE: Your account has moved. Your account is no longer being managed by the DCA who were acting on behalf of Capital One. It is important that you continue to make payments to your account. Payments should be made direct to Capital One unless otherwise notified. Please disregard this letter if you have agreed a settlement figure with the DCA and have made that payment.

It's a bit of an oddly worded wishy-washy letter and not really deserving of a response!

we got that one, ours said 'Dear sir/Madam' so they have no idea who the account is for, and they want you to pay ?

[ScabHunter]

Re: Pip's UE Diary

Think I'll spare myself the stamp and wintry walk to the post office for this one ...

Yes, that is the right thing to do. Just another typical forged Notice of Assignment. Wasteclot get everywhere on this forum, so you can see for yourself what you are likely to be in for - lots of silly templates which don't really have a lot to do with the situation.

SH