Flossy UE Diary & YB Hassle

[Flossy]

Re: Flossy UE Diary & YB Hassle

Paul's really busy now for the rest of the month so probably won't be around as much but rest assured; if he gets time he'll try and help.

If you can fire a copy to me please, I'll have another looksie as well

Thanks

Thanks Niddy

There are 3 in total which I will send in separate emails.

[Flossy]

Re: Flossy UE Diary & YB Hassle

UPDATE CABOT

Sent the final dispute letter that P1 did for me and have finally got a response from them today.

They say the usual that they regret that I feel the need to express my dissatisfaction. They are currently looking into this and will respond within 20 working days.

Will come back to this when they contact me again and also need to just check the CCA they sent last time is the same as the one I have got which I will send to Niddy tomorrow morning.

UPDATE - CABOT

Just opened all the post for the day and the last one is Cabot...

After sending P1 letter they gave the 20 days to respond as I have said above. They have literally sent this letter out a day after the other one.

Its says:

Repaying your account - our offer to you

Our aim is to help customers get their accounts cleared and so we're prepared to accept a one off payment of £x half of the full amount. This is for a limited offer which is only available for the next 30 days....etc.

[Flossy]

Re: Flossy UE Diary & YB Hassle

That's just one of their standard templates, I've got a collection of Wetclothes letters and they always believe the full balance is payable, of course. They may also believe in Santa!

Ok. So far with Mint I have tried to come to a payment agreement and they didn't even answer me. They have had DCA then solicitors then back to DCA.... I am a little bit puzzled at them to be honest... I am a bit lost as to what letter to send next?

[Flossy]

Re: Flossy UE Diary & YB Hassle

UPDATE - MINT

- August/September 2012 - Passed to Shoosmiths Solicitors
- Wrote to them re my health situation and to organise a payment plan as EN debt! Sent a copy to Mint.
- Shoosmiths wrote back saying they are no longer the acting Solicitor and it has been passed to Wescot.
- Letter from Wescot - Notice of Debt Collection, blah, blah
- Wescot - Final Notice (a few days after the first letter from them)
- October 2012 - Nelson Guest & Partners Solicitors, instructed by Wescot on behalf of RBS.
As a final attempt to avoid further action, Wescot is prepared to offer you a discount to settle your account.
- A/C in dispute sent.
- 3/11/12 - Letter off Nelson Guest & Partners Solicitors.
We are instructed by Wescot acting on behalf of RBS. Whilst Wescot is still willing to consider realistic options for repayment based on your personal circumstances, this matter cannot remain outstanding any longer. Unless full payment is made to Wescot, or a suitable repayment plan is agreed, within 10 days of the date of this letter, further recovery activity will be undertaken.
- Letter from Wescot arrived today dated 10/11/12.

Thank you for your letter, etc... We acknowledge that you have raised a query on this account and we would like to confirm to you how this will be investigated.

Goes on to say they will suspend any further activity on the above account due to this and will be in touch....

That is okay by me....

16/11/2012 - Letter from Wescot saying that they refer to my recent communication and having contacted our client they have advised that the above balance is correct and payable. Our client has confirmed that your CCA request was complied with on 15.5.2012.

Goes on to say about the dispute has now been resolved and the full balance is payable. Not sure what to send next?

[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 - (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 after ignoring me for ages and refusing my request's by letter from January 2012 - July 2012, It is at this time they decided to send the first copy of the CCA!

Even if I did re-send a letter requesting a CCA because they havent got one on file I have already sent out 4 requests only to be told my signature wasn't signed by hand therefore refused my 4 requests!

2 Nov 2012 - Received a letter from Moorcroft HOME COLLECTIONS DIVISION - Discount offer.
Our records show that despite out previous letters you have failed to make any payment to us and therefore your account has now been passed to our Home collections Division for action.

They threat to send someone to my home - They have already been. Then say they can offer me up to 20% subject to your personal circumstances...

Please contact us today.. ????

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

UPDATE - MINT

- August/September 2012 - Passed to Shoosmiths Solicitors
- Wrote to them re my health situation and to organise a payment plan as EN debt! Sent a copy to Mint.
- Shoosmiths wrote back saying they are no longer the acting Solicitor and it has been passed to Wescot.
- Letter from Wescot - Notice of Debt Collection, blah, blah
- Wescot - Final Notice (a few days after the first letter from them)
- October 2012 - Nelson Guest & Partners Solicitors, instructed by Wescot on behalf of RBS.
As a final attempt to avoid further action, Wescot is prepared to offer you a discount to settle your account.
- A/C in dispute sent.
- 3/11/12 - Letter off Nelson Guest & Partners Solicitors.
We are instructed by Wescot acting on behalf of RBS. Whilst Wescot is still willing to consider realistic options for repayment based on your personal circumstances, this matter cannot remain outstanding any longer. Unless full payment is made to Wescot, or a suitable repayment plan is agreed, within 10 days of the date of this letter, further recovery activity will be undertaken.
- Letter from Wescot arrived today dated 10/11/12.

Thank you for your letter, etc... We acknowledge that you have raised a query on this account and we would like to confirm to you how this will be investigated.

Goes on to say they will suspend any further activity on the above account due to this and will be in touch....

That is okay by me....

16/11/2012 - Letter from Wescot saying that they refer to my recent communication and having contacted our client they have advised that the above balance is correct and payable. Our client has confirmed that your CCA request was complied with on 15.5.2012.

Goes on to say about the dispute has now been resolved and the full balance is payable. Not sure what to send next?

send another of these --> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

UPDATE - HALIFAX CC

Halifax CC
Defaulted March 2011
£10.5k

2 Nov 2012 - Received a letter from Moorcroft HOME COLLECTIONS DIVISION - Discount offer.
Our records show that despite out previous letters you have failed to make any payment to us and therefore your account has now been passed to our Home collections Division for action.

They threat to send someone to my home - They have already been. Then say they can offer me up to 20% subject to your personal circumstances...

Please contact us today.. ????

I would send Moorcroft one of these ---> Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Thanks Niddy

There are 3 in total which I will send in separate emails.

Ok thanks..... nothing yet.

Please mail to agreements@all-about-debt.co.uk

[PriorityOne]

Re: Flossy UE Diary & YB Hassle

UPDATE - CABOT

Just opened all the post for the day and the last one is Cabot...

After sending P1 letter they gave the 20 days to respond as I have said above. They have literally sent this letter out a day after the other one.

Its says:

Repaying your account - our offer to you

Our aim is to help customers get their accounts cleared and so we're prepared to accept a one off payment of £x half of the full amount. This is for a limited offer which is only available for the next 30 days....etc.

I'm assuming the letters have crossed.... but even if not, they're sounding a bit desperate. Ignore.

[Flossy]

Re: Flossy UE Diary & YB Hassle

Ok thanks..... nothing yet.

Please mail to agreements@all-about-debt.co.uk

I have sent to your email address a few days or so ago before I saw this. Have you got them or do you want me to re send to this address?

I have also emailed you the Creation letter to see what you think about it. I dont know if you have got that as well? I need to send that soon so if you need me to send to the address above instead of your email I can?

Thanks Niddy

[Flossy]

Re: Flossy UE Diary & YB Hassle

I'm assuming the letters have crossed.... but even if not, they're sounding a bit desperate. Ignore.

Hi P1 and thank you for replying.

The letters didn't cross as their first line was 'We refer to your letter that was received in our office on the 12 November 2012.

But, I do agree with you that they are sounding desperate and will see what they send back.

Thank you

[Flossy]

Re: Flossy UE Diary & YB Hassle

Quote:
Originally Posted by Flossy
Just got a letter with regard to the above MBNA x 2 debts from Moorgate to say that they have sold my debt on to Arrow which is a first for me with Global Arrow...

After reading Samsmum diary I was a bit on edge with it going to Arrow as her were UE and mine UN debts...

Quoted by Flowerpower

'One day at a time. Just hope nothing gets issued over the festive period.
They have sold virtually every MBNA account to Arrow (except mine so far ).

Best to keep an eye on letters and not ignore any of them. Update us when you receive something. I see you've read Samsmum's threads but Plan B actually got a Letter Before Action from solicitors on behalf of Arrow, yet she saw them off!

Arrow Global Letter Before Action'

I have just received a NOA from Arrow Global. Is there anything I should now be doing with this as I do not want to get any nasty letters off them coming up to Christmas?

They have said that Wescot are dealing with it and to contact them straight away with regards to paying the accounts.

[Pip]

Re: Flossy UE Diary & YB Hassle

Quote:
Originally Posted by Flossy
Just got a letter with regard to the above MBNA x 2 debts from Moorgate to say that they have sold my debt on to Arrow which is a first for me with Global Arrow...

After reading Samsmum diary I was a bit on edge with it going to Arrow as her were UE and mine UN debts...

Quoted by Flowerpower

'One day at a time. Just hope nothing gets issued over the festive period.
They have sold virtually every MBNA account to Arrow (except mine so far ).

Best to keep an eye on letters and not ignore any of them. Update us when you receive something. I see you've read Samsmum's threads but Plan B actually got a Letter Before Action from solicitors on behalf of Arrow, yet she saw them off!

Arrow Global Letter Before Action'

I have just received a NOA from Arrow Global. Is there anything I should now be doing with this as I do not want to get any nasty letters off them coming up to Christmas?

They have said that Wescot are dealing with it and to contact them straight away with regards to paying the accounts.

Hi Flossy,
Could you just please clarify: have you received a Letter Before Action or a Notice of Assignment??

Hopefully just a NOA at this stage? I've also very recently received the same, ditched by Moorgate and sold on to Arrow, administered by Wescot. I have sent a Sold in Dispute letter to Arrow in Guernsey (not heard anything at all from Wescot yet). Normally I would send the Sold in Dispute letter to the DCA, but given Arrow's reputation I was advised to write first to them.

I would hold fire before doing anything though, until you get confirmation from someone on AAD more knowledgeable than me, and wait for some specific advice to you on on your situation (although I'll be comparing notes with you as regards Arrow/Wescot!)

[Flossy]

Re: Flossy UE Diary & YB Hassle

Hi Pip

Firstly, sorry for the delay but my computer is just doing its own thing at the moment!

I have had a NOA at this point for both of the accounts. Mine is the same as your then as its Global Arrow and managed by Wescot. I am waiting to hear from Niddy on this one as I am a bit on edge as it just happens to be the highest amount I owe out of all my debts!!!!

I think there are a lot that have just been sold to them and obviously, Christmas is coming up and that's when they like to play dirty... I had this last year with Cabot where they sent the Court Action without warning. Its easy for them as they know people are busy or away at that time...

I will keep an eye on your thread as well and see what happens. Keep me up dated Pip and if you can direct me to your thread I would appreciate it as I am useless at finding anything....

Flossy

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

I replied to all emails last week and awaiting a reply......

I asked for a lot of info, sent you 5 emails but only 3 need responses.

Can you recheck your emails please.... thanks