Flossy UE Diary & YB Hassle

[Deepie]

Re: Flossy UE Diary & YB Hassle

UPDATE - MINT CC

Mint CC
Defaulted January 2011
£15k
- Passed to Power2contact December 2010
- Mint sending letters out adding charges upon charges, despite my letters asking for help with CCCS.
- Mint added charges after defaulting me, started paying £1 pm again January 2011
- Mint agreed £1 pm January 2011 with the 'Collections Department'
- Requested CCA January 2012 - Wouldn't send CCA due to not signing using personal signature.
- Stopped £1pm payments.
- Letter to Mint No signature required
- Refused 4 times.
- Mint threat to transfer me to external DCA March 2012
- Sent 'Threat of DCA letter' March 2012
- Passed to Shoosmiths Solicitors April 2012
- Letter to Solicitors A/C in Dispute April 2012
- Mint sent CCA May 2012 which I was told is
- Threat of Court Action from Shoosmiths unless I fill out I&E August 2012
- Wrote to Shoosmiths & Copied to Mint, explained all my financial position, illnesses, unable to work, etc and asked if I could go back to paying £1pm. Shoosmiths emailed me that they are no longer dealing with my account and that Mint would be dealing with it. September 2012
- Mint wrote saying they could no get hold of me and that I have not contacted them to arrange a payment plan??? Therefore its now been passed to Wescot.
- Few threatening letters from Wescot who have now passed to Nelson Guest & Partners Solicitors offering me a discount on my outstanding balance, this is only available for a few days!

- Sent A/C in dispute?

That's what I would send..........

[Deepie]

Re: Flossy UE Diary & YB Hassle

Quote:
Originally Posted by Flossy
UPDATE - YB CC CABOT

Yorkshire Bank CC
Defaulted June 2011
£13k
Bought by Cabot October 2011
Told its
Paying £1pm till September 2012
Received a few letter asking me to pay the 'agreed amount' - No agreement in place and threats of court action.
14 October 2012 - sent final response letter

Letter back from Cabot dated 19 October 2012 - We wish to advise you that your account continues to be in default of payment, etc. If you do not take any positive action to settle the outstanding balance with us immediately, we may forward your account to an external DCA or commence legal action to recover this debt if your account meets out litigation criteria, goes on about CCJ's or CO.

Need to think of what to do next?

I had the same letter last week........

[Flossy]

Re: Flossy UE Diary & YB Hassle

I had the same letter last week........

What are you going to do next and is your debt EN or UE?

[Deepie]

Re: Flossy UE Diary & YB Hassle

What are you going to do next and is your debt EN or UE?

I Sent this-----> Threat by Creditor - Threat-o-Gram Letter Before Action

But remember no two situations are the same mine is UE..........

[Flossy]

Re: Flossy UE Diary & YB Hassle

I've also got a collection of threatening red letters and discount letters from Hull Heroes Wetclothes and their letterheads for rent Nelson Guest puppets, a couple of dispute letters saw them off and I never heard from them since the summer of 2011!

Thanks FP. I have sent A/C in dispute anyway so will await there reply... I have been trying to manage a few things myself hence the delay in updating plus of course I have been quite poorly too...

My main one now is Creation on my Creation thread as they have now pushed solicitors on to me...

Will update all my diary as well today..

Is your EN or UE FP? How long has yours been going on for now?

[Flossy]

Re: Flossy UE Diary & YB Hassle

I Sent this-----> Threat by Creditor - Threat-o-Gram Letter Before Action

But remember no two situations are the same mine is UE..........

Totally get that.... Just curious with what you did/are doing...

I have sent that one already and the litigation one... I think I am working my way backwards instead of forwards.... Much more fun this way! lol

I think my letter may have crossed with Cabot's as mine was sent on dated 17/10 (had no one to post for me) so was sent 22/10 and their letter was dated on 19/10!!! Think I will wait to see if they write back after that letter. I did also email them.... I think I need to check emails to see if I sent the letter by email on the 17/10 as I knew it couldn't go in the post straight away that day!

I did email them on the 17/10/12 and attached the letter so they would get it quicker. They wouldn't answer my letter until I gave them the reference number, name and address, etc... I think they may need to shoot the person who replied as due to data protection I had already answered all of these questions in my letter!!!! mmmmmmm

[Flossy]

Re: Flossy UE Diary & YB Hassle

It's my UE RBS, last paid in Jan 2010, last time I heard from a DCA was Jan 2012!

Nice to hear from you, hope you're OK.

I remember now... That's good!

Talking of RBS I cant get a current account with Santander even though I already have a savings account with them. I am with the Natwest and at the time of changing just swapped banks to whoever would have me and I didnt even think at the time about all the connections with my other debts...

It would have been so much easier as well with them to have everything in the same place. Never mind, I will try and see who else will have me!!!!

[PriorityOne]

Re: Flossy UE Diary & YB Hassle

Totally get that.... Just curious with what you did/are doing...

I have sent that one already and the litigation one... I think I am working my way backwards instead of forwards.... Much more fun this way! lol

I think my letter may have crossed with Cabot's as mine was sent on dated 17/10 (had no one to post for me) so was sent 22/10 and their letter was dated on 19/10!!! Think I will wait to see if they write back after that letter. I did also email them.... I think I need to check emails to see if I sent the letter by email on the 17/10 as I knew it couldn't go in the post straight away that day!

I did email them on the 17/10/12 and attached the letter so they would get it quicker. They wouldn't answer my letter until I gave them the reference number, name and address, etc... I think they may need to shoot the person who replied as due to data protection I had already answered all of these questions in my letter!!!! mmmmmmm

Hi Flossy....

Following your PM, I've now found your thread but as it's very long, I'm only going from the last few posts..... so if I miss the bleedin' obvious, someone please tell me....

Even though you suspect that your letter may have crossed with Cabot's it would certainly do no harm to send a request under CPUTR but it must be headed up as a formal complaint. Make sure your name, address and reference number are on the top and send it by rec. delivery. If they have already set solicitors onto you, then the same needs to go to them as well in order to fend off court papers from landing.

The link is here:

Our Templates | CPUTR (Unenforceability) Templates | Final Response - CPUTR (LiP)

They will then need to address your complaint without being misleading. Thus usually means that they fluff around the issue rather than answering you directly but whatever fluff they use will tell us which way they're leaning.

Hope that helps....

[Flossy]

Re: Flossy UE Diary & YB Hassle

Hi Flossy....

Following your PM, I've now found your thread but as it's very long, I'm only going from the last few posts..... so if I miss the bleedin' obvious, someone please tell me....

Even though you suspect that your letter may have crossed with Cabot's it would certainly do no harm to send a request under CPUTR but it must be headed up as a formal complaint. Make sure your name, address and reference number are on the top and send it by rec. delivery. If they have already set solicitors onto you, then the same needs to go to them as well in order to fend off court papers from landing.

The link is here:

Our Templates | CPUTR (Unenforceability) Templates | Final Response - CPUTR (LiP)

They will then need to address your complaint without being misleading. Thus usually means that they fluff around the issue rather than answering you directly but whatever fluff they use will tell us which way they're leaning.

Hope that helps....

Now thats what I wanted to hear! Thank you so much for that... It was posted up in my diary a while back (by you) just before you did the post about it.

I knew there could be some other way to tackle them. I could also use this on other ones as well that are suitable.

Your a star P1... x Even more so for finding my diary! lol

[Flossy]

Re: Flossy UE Diary & YB Hassle

I know this was mentioned not so long ago by Niddy and also Jon. At the time I was confused about it (even after Jon's explanation)and now after coming back and looking again at my diary I decided to read about it all from when P1 first posted it on my diary earlier this year and also P1 did a post that was done purely on CPUTR which I read today and decided to find out a bit more about how I could use it.

So, thanks P1 for posting about this in the first place. Very helpful x

[PriorityOne]

Re: Flossy UE Diary & YB Hassle

No worries Flossy... happy to help.

[Flossy]

Re: Flossy UE Diary & YB Hassle

Quote:
Originally Posted byFlossy
UPDATE - YB CC CABOT

Yorkshire Bank CC
Defaulted June 2011
£13k
Bought by Cabot October 2011
Told its Unenforceable
Paying £1pm till September 2012
Received a few letter asking me to pay the 'agreed amount' - No agreement in place and threats of court action.

Needs addressing with either/or/and continued payment £1pm which if definitely UE why pay the £1pm? or/and in the form of a letter but not sure what I should put or how to word correctly, would appreciate some help please?


Niddy:

Why not send Cabot the following --->Our Templates | CPUTR (Unenforceability) Templates | Final Response - CPUTR (LiP)

See what they say to that!


Niddy told me to send this one last which was my letter dated and emailed 14 October 2012, posted recorded delivery 22 October 2012.

Quote:
Originally Posted by Flossy
I was editing the Cabot post while you answered by unedited post. I had put on Final response or mixing up a few of the letters to make a bit of a Niddy Special

Niddy:
The one above is a specialised final response, asking for compliance with CPUTR - it'll make or break em so lets try that first.
[/COLOR]

Niddy:
P1 is the best to help with CPUTR as she's the expert - tried and tested

--->PriorityOne CPUTR 2008 (ex P1 CAG CPUTR 2008) - allaboutFORUMS

But I'd send that and see what cabot want to say in response....

UPDATE 2 November 2012

I have already sent off the letter that Niddy suggested on my last letter (posted 22/10/2012)

I was confused about the CPUTR which was what Jon was trying to explain to me after Niddy mentioned this letter a few pages back to send to Cabot as a final response letter.

As you can see above that Niddy has pointed me in the direction of P1 who has helped explain things better for me. Sorry that I didn't realise I had sent it before P1.

So, if that is their final response dated 19 October 2012, the letter has not been effective enough for them!!!! mmmm Now really not sure what to send back? I may wait for a a few days and see if the letters have crossed in the mail!

Although I sent them an email attaching this letter on the 17 October 2012!

[Flossy]

Re: Flossy UE Diary & YB Hassle

UPDATE MBNA 1 & 2 Letter before COURT ACTION


MBNA 1(Virgin CC)

MBNA £20k
defaulted may 2011
bought by Britannica S.A.R.L Mortlake (Moorgate)
Passed to Arden Credit
CCA request sent Jan 12, received back Feb 12
Told it is .
Now at Earlswood & Co Solicitors - given 7 days before action.

MBNA 2

MBNA £6k
defaulted may 2011
bought by Britannica S.A.R.L Mortlake (Moorgate)
Passed to Arden Credit
CCA request sent Jan 12, received back Feb 12 - Further CCA sent by MOORGATE June 12 which is different to the first CCA
Told both are Enforceable.
Now at Earlswood & Co Solicitors - given 7 days before action.

Both accounts have had letters sent as per normal -

PT letter, Threat O Gram, etc. They will not accept any further delay hence being passed to a Solicitor.

16 October 2012 - Wrote to Earlwood Solicitors sent a copy of the letter to Arden.

Letter basically was to stall them from taking any action while I work on a 'please write this debt or at least a good % of it off as I will not be able to pay them the amounts owing for quite some time due to me being unable to work due to being so ill." I also emailed it so that it would get there quicker. Just need to work on the letter now and send to Niddy to have a look at before sending.

Update 2 November 2012


Not heard anything back since sending my 'stalling letter'. I will have to look through a few of the templates and make into one letter as said above to try and get these debts written off. I am unsure as to if they would know anything about my circumstances and/or look into these before considering anything? But the fact of the matter is that I can not pay them and it would takes a very long time to pay off at something silly like £1pm!

If anyone has done anything similar with illness but has their circumstances to watch I would appreciate a little advice or more of a better idea as to where to start with this letter. I will start it off and see how far I get and get Niddy to look through before I send anything.

So, that's my next plan of attach for MBNA 1 & 2

[Flossy]

Re: Flossy UE Diary & YB Hassle

UPDATE - HALIFAX CC

Halifax CC
Defaulted March 2011
£10.5k
- Passed to Wescot - Requested CCA January 2012 - Refused as they where not the creditor!

- Re-sent the CCA request - Wouldn't send it to me as above.

- PT Letter sent

- Passed to Robinson Way Limited March 2012 - A/C in Dispute sent

- Robinson Way sent ALL CC Statements - June 2012

- CCA received June 2012 - Told (No PO ever cashed)

- Sent PT letter

- Halifax - July 2012 - Instructed Moorcroft DCA to deal with my A/C
- Moorcroft sending threatening letters & % Offer of DISCOUNT up to 25% or greater depending on circumstances!

- A/C in Dispute letter sent - September 2012

- Halifax replied September 2012 - CCA already sent. That they have complied with with S78 of the CCA that they have provided me with a copy of my CCA. Halifax goes on for quite a few pages basically saying that they have done everything that has been asked of them and the CCA is EN and that they have sent another copy of the CCA, which they previously sent in July after months of requesting it. Niddy deemed this - The Halifax have also mistaken me as being a representative of myself! LOL

- Moorcroft then replied to my A/C in dispute letter Sept 2012 - looking in to it the dispute.

UPADTE OCTOBER 2012

- Moorcroft letter October 2012 - Letter to say that the HALIFAX HAVE NO RECORDS of my original CCA request letter??????please forward this to them to enable them to re-request a copy of my CCA.

- A/C on hold.[/COLOR]

I am slightly confused as they have now sent out a few CCA's and I have requested the CCA by letter from January 2012 - July 2012, which is when they sent the first copy of the CCA!

Really not sure what to send next after Moorcroft's letter? Should I re-send a letter requesting my CCA? Which seems pointless to me after getting 2 already and why do they want a letter on file when I have sent out 4 requests only to be told my signature wasn't signed by hand therefore refused my 4 requests!

[PriorityOne]

Re: Flossy UE Diary & YB Hassle

[

UPDATE 2 November 2012

I have already sent off the letter that Niddy suggested on my last letter (posted 22/10/2012)

I was confused about the CPUTR which was what Jon was trying to explain to me after Niddy mentioned this letter a few pages back to send to Cabot as a final response letter.

As you can see above that Niddy has pointed me in the direction of P1 who has helped explain things better for me. Sorry that I didn't realise I had sent it before P1.

So, if that is their final response dated 19 October 2012, the letter has not been effective enough for them!!!! mmmm Now really not sure what to send back? I may wait for a a few days and see if the letters have crossed in the mail!

!

I need to have a read over what they sent back in response Flossy.... I've had many responses to requests under CPUTR and then heard nothing more, or the account's been re-sold/passed back and so on. The point is.... no-one (to date) has issued court papers on the back of a request under CPUTR to myself or to anyone I've helped. This may of course change but so far, it hasn't. If it does, then the template will need to be adjusted to reflect what they're trying to wriggle around.... I already have a few ideas....

A "final response" normally indicates that they don't want to talk to you anymore and in a lot of cases, can be a good thing because they then feck off

I'm in a bit of a rush this morning but if you find the time, please direct me to their reply (if you've posted it up) and I'll take a look.