Pip's UE Diary

[Pip]

Re: Pip's UE Diary

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

[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

[Undercover Elsa]

Re: Pip's UE Diary

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

[The Tech Clerk]

Re: Pip's UE Diary

Or state "Go Fourth & Multiply"

[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 ...

[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

"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!

[SA Gold]

Re: Pip's UE Diary

I like it!

I like it too! These maggots want the cash, but not the hassle. Damn shame

[Pip]

Re: Pip's UE Diary

Pip's account no. 7
Sainsbury's
Start date: June 2004
Balance as of Dec 2011: approx. £7,000
Last "full" payment (i.e. within their stipulated minimum): Sep 2010 (approx).
Last DMP payment via CCCS: Dec 2011
Default notice issued Feb 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 Sainsbury's Bank (Royal Mail delivery conf. printed)
JAN CCA received-- emailed Niddy -- Niddy says
JAN Sent Missing Prescribed Terms letter to Sainsbury's
FEB Letter from Blair, Oliver & Scott Payment not received // Failure to give attention to this will result in further action
FEB Letter from Sainsbury's We have complied with s.78 // I disagree that the application is unreadable // Agreement is and will remain enforceable // Full balance is due and in arrears
MAR Letter from Blair, Oliver & Scott Payment in arrears // Must pay immediately // Failure will result in your plan being cancelled and further action to recover debt. This may include door-to-door recovery agent to call at your address; court action to seek a judgment -- if successful we could seek an order allowing us to collect money direct from your employer or if you are a homeowner applying to court for a charging order on your property. Call today // payment can be made by CREDIT CARD
MAR Sent Threat-o-Gram Letter Before Action
MAR Letter from Blair, Oliver & Scott DO NOT IGNORE // Urgently trying to contact you // you do not appear to have responded to our requests for payment or provided acceptable repayment proposals // Call "helpline" below to speak to our agents // We urge you to sort this issue out immediately to prevent us taking further action. This may include doorstep collectors/court action/charging order.
MAR Letter from Blair, Oliver & Scott YOUR IMMEDIATE ACTION IS REQUIRED // You have failed to respond to our requests for full payment and not contacted this office with acceptable repayment proposals.
MAR Replied sending copies of Threat-o-Gram Letter Before Action previously sent to them which they have so far ignored
APR Letter from Sainsbury's: [Although I wrote to BO&S, not them; letter with Leeds address at top and not a proper letterhead, and with a 2nd class frank on envelope bearing "Birmingham"] Unfortunately, we've issued our final response. // Means we've nothing further to add // [snipped, see #7 above]
MAY Letter from Blair, Oliver & Scott NOTICE OF INTENDED COURT ACTION -- SAINSBURY'S BANK PLC versus PIP. Formal notice is hereby given that our client has instructed us to commence court proceedings against you without delay. Papers are now being prepared for commencement of action through your local court to seek a judgment against you. If you are a homeowner and do not pay [...] we may apply for charging order on your property. YOU MUST MAKE PAYMENT NOW TO STOP ACTION BEING TAKEN. Call today/talk to Helpline staff/ make payment.
MAY Sent Threat to Commence Litigation letter to B, O & S
JUN Letter from Sainsbury's Notice that they've "transferred" the debt to Moorcroft [although it's got a Stockport frank on the letter -- it's like anybody could knock these things up and send them out ...]
JUN Letter from Moorcroft: Been instructed by Sainsbury's // Legal requirement to send notice of intended litigation before legal proceedings are issued // Letter fulfils this even if not read by you // To prevent our recommending to our client that solicitors commence legal proceedings ... essential to settle debt without delay. If an agreement is not reached in [four days' time(!)], a claim may be issued by solicitors instructed to act on behalf of our client without further notice. Etc. Etc.
JUN Sent Threat to Commence Litigation letter to Moorcroft
JUN Letter from Moorcroft: Requesting £1 CCA request fee
JUN Sent letter to Moorcroft saying that I sent a CCA request letter to Sains. on such-and-such date
JUL Letter from Moorcroft: Please send proof that you requested CCA and that the £1.00 was paid.
JUL Letter from Midas Credit Services: LITIGATION WARNING -- We are part of Moorcroft Group and are aware that you have failed to reach a repayment agreement with Moorcroft concerning above a/c. We are now reviewing the a/c prior to the possible recommending of legal action by external solicitors acting on behalf of our clients. To prevent possible further action you must contact Moorcroft at this address. Failure to contact Moorcroft by [couple of days ago] may result in the issue of legal proceedings without further notice.
JUL Sent Threat to Commence Litigation letter to Moorcroft
JUL Sent Threat to Commence Litigation letter to Midas
JUL Letter from Moorcroft: Our records show you have not made any payment to us // account has now been passed to our Home Collections Division for action. May involve local rep calling at your home address [snipped, see #7 above]
JUL Sent Threat to Commence Litigation letter to Moorcroft (again)
JUL Letter from Moorcroft: Thank you for your letter requesting a copy of the credit agreement [I didn't send them one requesting this; this is how they've interpreted the threat to commence lit. letter.] Under the CCA 1974 you must provide £1 fee. Consequently if you submit the prescribed payment we will gladly process your request.
JUL Letter from Moorcroft: Our records show that you have failed to pay the £1.00 fee, therefore we have been unable to assist you in your request. Please forward the £1 fee payable to the above client etc.
AUG Letter from Moorcroft: We are agents of "Sainsbury Bank" [sic]. We have been asked to contact the a/c holder and we have been provided this address by a credit ref. agency. Please contact us to confirm the position [???] so that we can make the appropriate arrangements. However, if you believe that you are not the person responsible for the account, it is important that you contact us immediately, either by phone or letter.
AUG Letter from Moorcroft in Comic Sans font: IMPORTANT INFORMATION - POSSIBLE FURTHER ACTION. To prevent further debt recovery action, please send your payment proposal before a date three days hence or phone 0161 within the next seven days [durr?]. If you do not contact us following receipt of this letter we may have no alternative other than to recommend to our clients that they consider possible further debt recovery action against you, which may follow. Contact us now and we would be happy to discuss a payment programme that you can afford and maintain, In certain circumstances we may also be able to offer a substantial discount from the outstanding balance. Contact us now.
SEP Sent Telephone Harassment letter to Moorcroft
SEP LONG letter from Moorcroft: We confirm your a/c has been amended so that you receive no telephone contact from us whilst written contact is now [sic] maintained. [snipped, see #7 above]
SEP Sent follow-up Telephone Harassment letter to Moorcroft and another confirmation that I had paid the £1.00 fee in January
OCT Another long letter from Moorcroft: Blah guff about their calls not constituting harassment // We do not appear to have received the £1.00 fee [I didn't send it to them, I sent it to OC in Jan] // Blah, wrangle over the £1.00 [...] however, to assist in this matter I have requested that our client provides us with a copy of the CCA and statements of this account that support the liability suggested by our client. [snipped, see #7 above]
NOV Letter from Moorcroft: We have contacted our client; account remains on hold whilst client continues to investigate the matter.
DEC Letter from Moorcroft: Our client advises us that a copy of the agreement has been sent to you previously. They believe that this now settles matters and have instructed us to help them recover this debt for which they believe you remain liable. If you have further concerns I ask that you provide specific reasons why you may not be liable for this account. // Your account remains on hold for a further 14 days.
2013
JAN Letter from Moorcroft We have had no further contact from you in relation to this account. Without any further contact from you the account can only be held for a further 28 days. After this time the account will be closed and returned to our client who will then decide on any future action. // We would therefore request that you contact us to let us know how you wish to proceed with this account in order for us to assist you further.
MAR Letter on Sainsbury's letterhead (but obviously from Wescot) As we haven't been able to agree a suitable repayment plan we've transferred your Sainsbury's Bank 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 in dispute letter to Wescot

Well, now they've gone and sent this:

MAR Letter from Wescot [Received one week after date on letter] FINAL NOTICE. Our latest enquiries have now confirmed that you are still resident at this address but we have not received a reply to our previous correspondence. // Unless you contact us to agree full repayment within the next ten days further collection activity will be taken to recover the full outstanding balance.

They will have received my Account Sold in Dispute letter (I sent it with proof of posting rather than Recorded) before the date on this one, although this is an automated Mailsort-type job rather than actual correspondence. Tempted just to send them a copy of the previous letter with a covering note? [Still wearing winter hat!]

[MrsD]

Re: Pip's UE Diary

that's what I would do

[vint1954]

Re: Pip's UE Diary

Have you sent Niddy's response in post 403?

[Pip]

Re: Pip's UE Diary

Have you sent Niddy's response in post 403?

Hello Vint, Niddy's post there is in relation to a different account.

[vint1954]

Re: Pip's UE Diary

OK Pip

[Pip]

Re: Pip's UE Diary

Pip's account no. 7
Sainsbury's
Start date: June 2004
Balance as of Dec 2011: approx. £7,000
Last "full" payment (i.e. within their stipulated minimum): Sep 2010 (approx).
Last DMP payment via CCCS: Dec 2011
Default notice issued Feb 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 Sainsbury's Bank (Royal Mail delivery conf. printed)
JAN CCA received-- emailed Niddy -- Niddy says
JAN Sent Missing Prescribed Terms letter to Sainsbury's
FEB Letter from Blair, Oliver & Scott Payment not received // Failure to give attention to this will result in further action
FEB Letter from Sainsbury's We have complied with s.78 // I disagree that the application is unreadable // Agreement is and will remain enforceable // Full balance is due and in arrears
MAR Letter from Blair, Oliver & Scott Payment in arrears // Must pay immediately // Failure will result in your plan being cancelled and further action to recover debt. This may include door-to-door recovery agent to call at your address; court action to seek a judgment -- if successful we could seek an order allowing us to collect money direct from your employer or if you are a homeowner applying to court for a charging order on your property. Call today // payment can be made by CREDIT CARD
MAR Sent Threat-o-Gram Letter Before Action
MAR Letter from Blair, Oliver & Scott DO NOT IGNORE // Urgently trying to contact you // you do not appear to have responded to our requests for payment or provided acceptable repayment proposals // Call "helpline" below to speak to our agents // We urge you to sort this issue out immediately to prevent us taking further action. This may include doorstep collectors/court action/charging order.
MAR Letter from Blair, Oliver & Scott YOUR IMMEDIATE ACTION IS REQUIRED // You have failed to respond to our requests for full payment and not contacted this office with acceptable repayment proposals. Because of this your debt will be prepared for further action if you do not contact us within five days. // What action will be taken? // Door-to-door collectors/Court action may be taken, charging order. How can you prevent this happening? Pay balance in full/call us TODAY to agree a suitable repayment plan. You can still prevent further action by calling us today and making a CREDIT or debit card payment. We suggest you contact a solicitor or CAB.
MAR Replied sending copies of Threat-o-Gram Letter Before Action previously sent to them which they have so far ignored
APR Letter from Sainsbury's: [Although I wrote to BO&S, not them; letter with Leeds address at top and not a proper letterhead, and with a 2nd class frank on envelope bearing "Birmingham"] Unfortunately, we've issued our final response. // Means we've nothing further to add // we really can't keep writing to you about the same issue. However, you have my assurance that we'll add any further letters you send us to our file. Turning to your allegations of harassment [...] the bank will give no undertaking not to contact your client to ask for payment, particularly as the alleged "dispute" is unfounded. // You have asked that all communication is in writing posted by special or recorded delivery [no I didn't ask for special/recorded] and that we do not contact you by telephone. Happy to write to you by standard postal services but reserve the right to contact by telephone for our legitimate commercial purposes. // As explained in our final response letter, if you're still unhappy you can ask the FOS to look into what's happened. We've now closed our file but will cooperate fully with Ombudsman Service if you decide to ask them to look into your complaint.
MAY Letter from Blair, Oliver & Scott NOTICE OF INTENDED COURT ACTION -- SAINSBURY'S BANK PLC versus PIP. Formal notice is hereby given that our client has instructed us to commence court proceedings against you without delay. Papers are now being prepared for commencement of action through your local court to seek a judgment against you. If you are a homeowner and do not pay [...] we may apply for charging order on your property. YOU MUST MAKE PAYMENT NOW TO STOP ACTION BEING TAKEN. Call today/talk to Helpline staff/ make payment.
MAY Sent Threat to Commence Litigation letter to B, O & S
JUN Letter from Sainsbury's Notice that they've "transferred" the debt to Moorcroft [although it's got a Stockport frank on the letter -- it's like anybody could knock these things up and send them out ...]
JUN Letter from Moorcroft: Been instructed by Sainsbury's // Legal requirement to send notice of intended litigation before legal proceedings are issued // Letter fulfils this even if not read by you // To prevent our recommending to our client that solicitors commence legal proceedings ... essential to settle debt without delay. If an agreement is not reached in [four days' time(!)], a claim may be issued by solicitors instructed to act on behalf of our client without further notice. Etc. Etc.
JUN Sent Threat to Commence Litigation letter to Moorcroft
JUN Letter from Moorcroft: Requesting £1 CCA request fee
JUN Sent letter to Moorcroft saying that I sent a CCA request letter to Sains. on such-and-such date
JUL Letter from Moorcroft: Please send proof that you requested CCA and that the £1.00 was paid.
JUL Letter from Midas Credit Services: LITIGATION WARNING -- We are part of Moorcroft Group and are aware that you have failed to reach a repayment agreement with Moorcroft concerning above a/c. We are now reviewing the a/c prior to the possible recommending of legal action by external solicitors acting on behalf of our clients. To prevent possible further action you must contact Moorcroft at this address. Failure to contact Moorcroft by [couple of days ago] may result in the issue of legal proceedings without further notice.
JUL Sent Threat to Commence Litigation letter to Moorcroft
JUL Sent Threat to Commence Litigation letter to Midas
JUL Letter from Moorcroft: Our records show you have not made any payment to us // account has now been passed to our Home Collections Division for action. May involve local rep calling at your home address // If you prefer to make repayment arrangement, you must TELEPHONE us no later than [sometime later this week]. If no satisfactory arrangement is made with us or our local rep, you may leave us with lo alternative but to recommend client to commence legal/solicitors proceedings without further notice
JUL Sent Threat to Commence Litigation letter to Moorcroft (again)
JUL Letter from Moorcroft: Thank you for your letter requesting a copy of the credit agreement [I didn't send them one requesting this; this is how they've interpreted the threat to commence lit. letter.] Under the CCA 1974 you must provide £1 fee. Consequently if you submit the prescribed payment we will gladly process your request.
JUL Letter from Moorcroft: Our records show that you have failed to pay the £1.00 fee, therefore we have been unable to assist you in your request. Please forward the £1 fee payable to the above client etc.
AUG Letter from Moorcroft: We are agents of "Sainsbury Bank" [sic]. We have been asked to contact the a/c holder and we have been provided this address by a credit ref. agency. Please contact us to confirm the position [???] so that we can make the appropriate arrangements. However, if you believe that you are not the person responsible for the account, it is important that you contact us immediately, either by phone or letter.
AUG Letter from Moorcroft in Comic Sans font: IMPORTANT INFORMATION - POSSIBLE FURTHER ACTION. To prevent further debt recovery action, please send your payment proposal before a date three days hence or phone 0161 within the next seven days [durr?]. If you do not contact us following receipt of this letter we may have no alternative other than to recommend to our clients that they consider possible further debt recovery action against you, which may follow. Contact us now and we would be happy to discuss a payment programme that you can afford and maintain, In certain circumstances we may also be able to offer a substantial discount from the outstanding balance. Contact us now.
SEP Sent Telephone Harassment letter to Moorcroft
SEP LONG letter from Moorcroft: We confirm your a/c has been amended so that you receive no telephone contact from us whilst written contact is now [sic] maintained. // Our records do not appear to show any direct telephone contact has been achieved. In order for the relevant department to investigate the level of frequency and quantity of calls made we ask that you provide specific details such as times, dates, etc. [I've made a log of these.] // We can see from our records that you have requested a copy of the relevant CCA and a letter has been sent to you to request the relevant £1.00 fee and to date we do not appear to have received this payment. // In relation to the validity of this debt, it is our understanding that the Information Commissioner's Office has confirmed blah etc [as seen elsewhere, they quote the ICO which is utterly irrelevant. They may as well quote something that Zippy and Bungle from Rainbow have said while they're at it]. Blah more quotes re. UE from OFT website // With this information in mind we could confirm that our client has appointed us to assist with the recovery of this outstanding debt that they believe you are liable for. We would now ask that you provide any specific reason why you may not be liable for this debt and why our client should not be requesting payment. // You account is on hold for 14 days to allow you the opportunity to respond to this letter and our request.
SEP Sent follow-up Telephone Harassment letter to Moorcroft and another confirmation that I had paid the £1.00 fee in January
OCT Another long letter from Moorcroft: Blah guff about their calls not constituting harassment // We do not appear to have received the £1.00 fee [I didn't send it to them, I sent it to OC in Jan] // Blah, wrangle over the £1.00 [...] however, to assist in this matter I have requested that our client provides us with a copy of the CCA and statements of this account that support the liability suggested by our client. This request is being made in an effort to move this account forward. // I request that you confirm specifically why you believe you may not be liable for this debt that our client has requested is repaid. Your account is on hold for 28 days to allow you the opportunity to respond to this letter and our request, and for us to revert back to you with our client's response.
NOV Letter from Moorcroft: We have contacted our client; account remains on hold whilst client continues to investigate the matter.
DEC Letter from Moorcroft: Our client advises us that a copy of the agreement has been sent to you previously. They believe that this now settles matters and have instructed us to help them recover this debt for which they believe you remain liable. If you have further concerns I ask that you provide specific reasons why you may not be liable for this account. // Your account remains on hold for a further 14 days.
2013
JAN Letter from Moorcroft We have had no further contact from you in relation to this account. Without any further contact from you the account can only be held for a further 28 days. After this time the account will be closed and returned to our client who will then decide on any future action. // We would therefore request that you contact us to let us know how you wish to proceed with this account in order for us to assist you further.
MAR Letter on Sainsbury's letterhead (but obviously from Wescot) As we haven't been able to agree a suitable repayment plan we've transferred your Sainsbury's Bank 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 in dispute letter to Wescot
MAR Letter from Wescot [Received one week after date on letter] FINAL NOTICE. Our latest enquiries have now confirmed that you are still resident at this address but we have not received a reply to our previous correspondence. // Unless you contact us to agree full repayment within the next ten days further collection activity will be taken to recover the full outstanding balance.
MAR Letter from Wescot: We acknowledge that you have raised a query on this account. // We will contact you again
APR Letter from Wescot: We will investigate the issues you have raised and contact you again in due course
MAY Letter from Wescot: We are not yet in a position to provide you with a final response
MAY Letter from Wescot: I was concerned to not the matter you have raised // I can confirm our client has advised your request under the CCA has been processed by them and the relevant documents have been issued to you directly. Your account has been placed on hold for 30 days for you to contact Wescot with your proposals for repayment
JUL Letter from Wescot: Thank you for your recent contact. We acknowledge that you have raised a request for documentation on this account.
JUL Letter from Wescot: Thank you for your patience; we can confirm that your account remains on hold whilst we await further information from our client.

Just got this!

AUG Letter from Wescot: We refer to your recent communication; please find enclosed copy agreement as requested. Payment is now required and can be made by debit card or by calling 0844 .... (They enclose a copy of a one-page application form copy with signature; no terms)

I wonder whether it's worth writing anything to them just yet, as they're only just asking for payment by debit card. I'm tempted just to wait and see what they send next?

[nightwatch]

Re: Pip's UE Diary

you could wait for the next exciting episode of," Wetcloth Circle of debt", or "50 shades of ink", then send them a missing PT letter, and start the magic roundabout up again