Flossy UE Diary & YB Hassle

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

LITTLEWOODS / VERY / ADDITIONS - SHOP DIRECT FINANCE COMPANY LIMITED

Sent - Account In Dispute Letter to LOWELL 15/6/2012 (Dated 12/6/2012)
LOWELL letter - outstanding balance & legal action may take place 16/6/2012

Above 2 letters may have crossed ....

I agree, leave this for now....

CAPITAL ONE

capQuest wrote that due to my correspondence my account has been put on hold until 2 July while they investigate this matter.

Ok, leave this for now as well......

NEXT

Moorcroft letter - Monthly Instalment Offer 2/6/2012
Letter to Moorcroft - PT letter 15/6/2012

MIDAS CREDIT SERVICES - LITIGATION WARNING. We are part of the Moorcroft Group and are aware that you have failed to reach a repayment agreement with Moorcroft concerning the above account, etc... 16/6/2012

Letter may have crossed!

Yep, wait and see how they reply to your last letter....

HALIFAX / WESCOT

Robinson Way - Please find enclosed a copy of all your statements. We can confirm your account is on a temporary delay until we receive your copy of agreement. 15/6/2012 (A/C from 2008 to date!)

Await CCA

Yep, await CCA - ignore till it comes

EGG / Taken over by BARCLAYCARD

Credit Solutions letter - I write in reference to your letter dated 12th June 2012

Is there a letter I should do back and should I sent out a PT letter as I have never sent one for this account?

You should just wait and see what they do next!

[Flossy]

Re: Flossy UE Diary & YB Hassle

EGG / Taken over by BARCLAYCARD

CCA request - 19/1/2012
Barclaycard sent it back - Asked me to send to a different address!
Re sent CCA - 23.1.2012
CCA received - 3/2/2012
Sent to Niddy -

NO PT LETTER SENT!

Barclaycard letter - Formal Demand for Payment. As you have not complied with the recent Default Notice, the outstanding balance shown above, is now due in full and we demand that you pay this amount to us immediately.1/5/2012
Barclaycard letter - Informing me that the account has been passed to

Credit Solutions to manage. 16/5/2012 (told to ignore letter)
Credit Solutions Letter - Barclaycard has told us that you have not complied with the Default Notice they recently sent to you. The balance is now due in full. 21/5/2012

Power2Contact Limited letter - We have been instructed by our client to VISIT YOUR ADDRESS TO COLLECT THE ABOVE DEBT. You have made this necessary as you have ignored all their requests to contact them and you have failed to pay your account. 30/5/2012
Power2Contact - Doorstep Harassment Letter sent. 12/6/2012

Credit Solutions letter - OPPORTUNITY TO SAVE £££'s. Despite our numerous attempts to contact you, the balance on the above account remains unpaid. 12/6/2012

Letters Crossed over...

Credit Solutions letter - I write in reference to your letter dated 12th June 2012, which has been passed to me for a response.
Credit Solutions Limited offers a doorstep collection service whereby field agents visit a property to discuss repayment of an outstanding amount. This is simply another option available to our customers to assist them in repaying their debts. In relation to field visits in subsection 2.12 of Office of Fair Tradings' guidelines doorstep visits must give adequate notice of the time and date of visit. The Armstrong v Sheppard (1959) case you quoted is dependant on each individual circumstances and only such order to refuse access can come from a court and not from the individual.

Please note, we do not nor have not held a telephone number for you in relation to this account telephone we refute any allegations that we have been contacting you via telephone.

Should you wish to escalate your complaint you must do so within 6 months, I have enclosed a FOS Leaflet for your reference. 19/6/2012

Is there a letter I should do back and should I sent out a PT letter as I have never sent one for this account?

[Flossy]

Re: Flossy UE Diary & YB Hassle

HALIFAX / WESCOT

Halifax CC - Sent letters from CCCS but they didn't want to accept a smaller payment hence passing to Wescot. 24/8/2011

CCA requested to Wescot - 19/1/2012
Wescot - Letter sending the PO back for £1.00 and a letter saying they were not the creditor for this account!
CCA request sent again with PO £1.00 - With a letter explaining that I had recently sent a CCA request and I clearly explained in my original letter what was expected of you, therefore your response telling me to go and speak to the original creditor is way out of line and I refer you back to your legal obligations, in particular s 175 (CCA 1974); quoted from my original letter, below, etc, etc.. - 27/1/2012

Wescot letter - CCA Request. Again explaining that they are not the creditor for this account - 2/2/2012

Robinson Way Limited letter - FORMAL DEMAND FOR PAYMENT. Our client has authorised us to recover the full amount you owe, shown above. An application for the court may be made 28/3/2012
Robinson Way letter - IMMEDIATE ACTION REQUIRED. 6/4/2012
Robinson Way letter - SECURITY TELEMESSAGE - Recent actions on your account are giving cause for concern (tell me about it ) 20/4/2012

Halifax - Credit Card Statement 1/5/2012

Robinson Way - Account Sold While In Dispute Letter sent 24/4/2012
Robinson Way letter - Please note we have noted the dispute/query you have raised. In the meantime we will stop all collection activity. 3/5/2012
Robinson Way - Please find enclosed a copy of all your statements. We can confirm your account is on a temporary delay until we receive your copy of agreement. 15/6/2012 (A/C from 2008 to date!)

Await CCA

[Flossy]

Re: Flossy UE Diary & YB Hassle

NEXT

CCA request 19/1/2012
CCA received 13/2/2012



NO PT LETTER SENT!

Passed to Moorcroft - Letter advising that have been instructed by Next Plc. It is a legal requirement to send a notice of INTENDED LITIGATION before legal proceedings in the County Court are issued. 26/4/2012

Moorcroft letter - Requesting the full outstanding. 30/4/2012

Moorcroft letter - Possible Litigation letter outlining the court and solicitor fee's. 19/5/2012

Moorcroft letter - Monthly Instalment Offer 2/6/2012
Letter to Moorcroft - PT letter 15/6/2012

Moorcroft -letter - Thank you for your recently received letter requesting a copy of the credit agreement. However, under the CCA 1974 you must provide a fee of £1.00, etc, etc.... (Never requested it as already in my possession)

MIDAS CREDIT SERVICES - LITIGATION WARNING. We are part of the Moorcroft Group and are aware that you have failed to reach a repayment agreement with Moorcroft concerning the above account, etc... 16/6/2012

Letter may have crossed!

[Flossy]

Re: Flossy UE Diary & YB Hassle

CAPITAL ONE

CCA request 1/1/2011 - Didnt know at the time that it was UE until I came on AAD & Niddy looked at it.
FPC Debt Collection Services letter 31/3/2011
AIC Allied International Credit 12/4/2011
ALC letter 20/4/2011
CCCS letter from me as advised - Capital One wouldnt accept any payments lower than the minimum amount or answer my letters as they where not signed by me - 6/5/2011
AIC letter - wouldnt sent CCA I requested 11/5/2011
CCA received 13/5/2011 - (still didnt know if UE as wasnt on this site at that point)
Niddy -

PT letter sent to Capital One
Capital One letter back - Saying 'You have filed to state why you allege that the CCA is improperly executed pursuant to Section 61(1) 1974, etc - 26/1/2012 (The full letter in my dairy)

capQuest Inform me that they have taken over the account and threaten door step collection and possible litigation 2/6/2012
Sent Ms A Simms @ capQuest a letter - Account in dispute 15/6/2012

capQuest letter - Prior to the start of legal proceeding various checks and validations are undertaken to establish facts around your current circumstances. During this process it has been established that there are no outstanding CCJ's registered against the above address! Continues about seeking a a judgement against me! 16/6/2012

THINK THE POST HAS CROSSED - Next letter:

capQuest wrote that due to my correspondence my account has been put on hold until 2 July while they investigate this matter.

[Flossy]

Re: Flossy UE Diary & YB Hassle

LITTLEWOODS / VERY / ADDITIONS - SHOP DIRECT FINANCE COMPANY LIMITED

All 3 accounts passed to NDR

Littlewoods / Very / Additions - CCA requested 19/1/2012
CCA received dated 1/2/2012
Sent to Niddy -
PT letter sent 20/2/2012
Letter from Shop Direct dated 30/5/2012 - Account was legally assigned to LOWELL 18/5/2012
LOWELL letter outstanding balance on accounts letter - 13/6/2012
Sent - Account In Dispute Letter to LOWELL 15/6/2012 (Dated 12/6/2012)
LOWELL letter - outstanding balance & legal action may take place 16/6/2012

Above 2 letters may have crossed ....

[Flossy]

Re: Flossy UE Diary & YB Hassle

UPDATE

VIRGIN CREDIT CARD (Shall we call MBNA No 2)

MBNA (Virgin) - Requested CCA 19/1/2012
MBNA sold to Britannica - Mortlake 30/1/2012
Moorgate appointed Arden Credit 7/3/2012
Arden wrote to me to inform me they had been appointed by Moorgate 9/3/2012
Arden wrote to me again to ask for the full outstanding monies to be paid and threatening court action 3/4/2012

NO PT LETTER SENT!

Letter sent to Arden Threat O Gram Before Action Letter 4/5/2012
Arden wrote that they will investigate my comments raised (Re:No CCA) 14/5/2012
Arden also wrote dated the same date as above threatening court action 14/5/2012
Moorgate wrote to me that they will investigate missing CCA 16/5/2012
Moorgate wrote back enclosed new CCA dated 7/6/2012

Sending to Niddy to look at today.

[Flossy]

Re: Flossy UE Diary & YB Hassle

UPDATE
MBNA

MBNA - Requested CCA 19/1/2012
MBNA sold to Britannica - Mortlake (Moorgate) on 30/1/2012
CCA Received 1/2/2012 from MBNA
Niddy UE

NO PT LETTER SENT!

Moorgate appointed Arden Credit 7/3/2012
Arden wrote to me to inform me they had been appointed by Moorgate 9/3/2012
Arden wrote to me again to ask for the full outstanding monies to be paid 3/4/2012
Letter sent to Arden Threat O Gram Before Action Letter 4/5/2012
Arden wrote that they will investigate my comments raised (Re:No CCA) 14/5/2012
Arden also wrote dated the same date as above threatening court action 14/5/2012
Moorgate wrote to me that they will investigate missing CCA 16/5/2012(already had one!)
Moorgate wrote back enclosed NEW CCA dated 8/6/2012 - different to the first CCA received in 1/2/2012!

Sent both to Niddy who says they are

[jon1965]

Re: Flossy UE Diary & YB Hassle

.

Yes, Jon I am. I have several things wrong and have been ill a long time.

I noticed too how everything happened at once :-)

Sorry Flossy I was asking if Niddy was ill because of something you said..I mean I know he is sick but didn't know if he was poorly.

Sorry to hear that you are unwell and it's ongoing. I am sure you could do without all this

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

I sent CCA to MBNA in January 2012 - MBNA replied to CCA in the middle of selling to Moorgate.

Sent CCA to Virgin January 2012 - didnt reply to my request (it is also an MBNA a/c and sent to MBNA) - Moorgate have responded to CCA due to me sending them the A/C sold in dispute letter.

Nope. I'm lost.

Lets stop and try a new approach. You have two accounts with MBNA yes? Lets start to call them MBNA1 and MBNA2.

MBNA1 - I recently checked this and confirmed it was UE yes? You are going to send off Missing PT's yes? Ok forget that now.

For the sake of clarity and for tonight only MBNA1 is sorted.

Ok, so now lets concentrate on MBNA2 (as you call Virgin).

1. You sent a CCA request in January and they never replied?
2. They sold the account and you sent the dca - MOORCROFT - a template to which prompted them to send the agreement I have already seen?
3. Arden have issued a new CCA received today, for this same account, that is different to the one Moorcroft sent you a while ago?

Is the above correct, if not please enlighten me

[Flossy]

Re: Flossy UE Diary & YB Hassle

Niddy
Not sure but I think Flossy sent a cca request to MBNA prior to the sale of the debt and got a UE agreement back, but also sent a CCA request to Moorgate (the new people) and got a slightly different CCA back. That is what I think is confusing her.

P.s Are you poorly?

Bugger how did that happen...all got sorted while i was typing...or is it the phantom post knicker again?

I sent CCA to MBNA in January 2012 - MBNA replied to CCA in the middle of selling to Moorgate.

Sent CCA to Virgin January 2012 - didnt reply to my request (it is also an MBNA a/c and sent to MBNA) - Moorgate have responded to CCA due to me sending them the A/C sold in dispute letter.

Yes, Jon I am. I have several things wrong and have been ill a long time.

I noticed too how everything happened at once :-)

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

I have received a CCA today from Virgin. I send CCA request in January 2012

But we were talking MBNA..... so please answer one simple question for me.

• Have you had a cca from MBNA and from Virgin?

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

This is how your post above should read:

UPDATE:

MBNA CC / SOLD TO MOORGATE & NOW PASSED TO ARDEN - THREAT BY CREDITOR - THREAT O GRAM BEFORE ACTION LETTER SENT.
FURTHER CORRESPONDENCE FROM ARDEN THREATENING LITIGATION BUT ALSO GOING BACK TO MBNA FOR CCA!
WAIT OR THREAT TO LITIGATION LETTER?

Ok with this you should now send off this: --> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

As above you have answered that question

VIRGIN CC - SOLD TO MOORGATE, PASSED TO ARDEN - NO CCA BACK.
THREAT O GRAM SENT.
THREATENING LITIGATION BUT ALSO TO RETURN TO VIRGIN FOR CCA
WAIT OR THREAT TO LITIGATION LETTER?

See my last post above, respond as follows ---> Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

I have received a CCA today from Virgin. I send CCA request in January 2012

As I suspected looking at the envelopes yesterday I have today opened them which is MBNA and VIRGIN CCA's.

Ok......

I am confused as to why they have sent me another CCA for MBNA as I have already received one from them which the Boss said was UE.
Fine, then send back the missing PT's as advised above

I am going to just have a look at the file and see if its the same CCA and then if the Boss is okay today? Could he please look at these CCA's for me which have both been received from Moorgate. If they have sent the same CCA for MBNA ten I am happy with the Boss saying its UE. The Virgin one looks different and was from 2005.

Ok, for now don't worry too much about these - Ideally send the templates above - we're awaiting the Virgin agreement - until they send it they're in default and cannot enforce. The MBNA one is UE anyway thus you send back the missing PT's template.

As above. Will send you CCA for this one

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Arghhhhhh stop these huge unnecessary posts or quote them correctly



I'm going, I'm outta ere. Learn to quote, or don't quote, please ---> User Guide - Using Multi-Quote - allaboutFORUMS

* I can't cope anymore.....

[Flossy]

Re: Flossy UE Diary & YB Hassle

Quote:
Originally Posted by Flossy
UPDATE:

MBNA CC / SOLD TO MOORGATE & NOW PASSED TO ARDEN - THREAT BY CREDITOR - THREAT O GRAM BEFORE ACTION LETTER SENT.
FURTHER CORRESPONDENCE FROM ARDEN THREATENING LITIGATION BUT ALSO GOING BACK TO MBNA FOR CCA!
WAIT OR THREAT TO LITIGATION LETTER?

Ok with this you should now send off this: --> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

As above you have answered that question

Quote:
Originally Posted by Flossy
VIRGIN CC - SOLD TO MOORGATE, PASSED TO ARDEN - NO CCA BACK.
THREAT O GRAM SENT.
THREATENING LITIGATION BUT ALSO TO RETURN TO VIRGIN FOR CCA
WAIT OR THREAT TO LITIGATION LETTER?

See my last post above, respond as follows ---> Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

I have received a CCA today from Virgin. I send CCA request in January 2012

Quote:
Originally Posted by Flossy
As I suspected looking at the envelopes yesterday I have today opened them which is MBNA and VIRGIN CCA's.
Ok......

Quote:
Originally Posted by Flossy
I am confused as to why they have sent me another CCA for MBNA as I have already received one from them which the Boss said was UE.
Fine, then send back the missing PT's as advised above

Quote:
Originally Posted by Flossy
I am going to just have a look at the file and see if its the same CCA and then if the Boss is okay today? Could he please look at these CCA's for me which have both been received from Moorgate. If they have sent the same CCA for MBNA ten I am happy with the Boss saying its UE. The Virgin one looks different and was from 2005.

Ok, for now don't worry too much about these - Ideally send the templates above - we're awaiting the Virgin agreement - until they send it they're in default and cannot enforce. The MBNA one is UE anyway thus you send back the missing PT's template.

As above. Will send you CCA for this one