Flossy UE Diary & YB Hassle

[Flossy]

Re: Flossy UE Diary & YB Hassle

Hi,

Apologies its been a very long time since I have been on my thread and journey of unenforceable debts but I am on my last year of all debts being removed off my credit file and I am just going to try and get through this next year with the help of my carer as he will be able to read the letters and type it all so I can keep on top of things. I do get confused due to the medication but I think we can manage and knowing all of you on here that I have debt with in the past have all been so helpful and not judgmental of me and my circumstances.

Quick update with SCS - screwed me over really and I ended up with no sofa and a bill that I am still paying to the Solicitors!

I am concerned about 2 of my debts at the moment one of them is in the hands of my Solicitor - Mint (Cabot) and the other my original YB CC again with Cabot who bought this debt not long after it defaulted. My YB CC has been with Cabot since 2012 and they have only just started to take a big interest in it as the date is getting closer to the 6 years - the YB CC should really have fallen off this month but due to me paying £1pm in the beginning it doesn't fall off until January 2018.

Cabot have written to me several times which I obviously havent answered due to being so unwell over the past year I do not think the letters got opened until recently (hence one of them being with the Solicitor). I am now up to date opening my mail and really need to do a letter to Cabot. My carer did email them to explain everything with my health just to update them and to stop any further letters for the time being. Cabot wanted a signed consent to authorise my carer to talk to them but I didnt want to sign anything!

The last letter sent to them was 2012 that Priority One did for me - CPUTR which was sent twice after sending PT, Final Stage, 2 CCA requests (that is what I have written down) Cabot did not reply until 2014 completely ignoring the letters previously sent and their letters are all the basic asking me to repay the debt back!!

[IF]

Re: Flossy UE Diary & YB Hassle

Hi, just checking if everything is OK?


Best wishes
IF

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

And Paul has agreed to batter Creation Finance (SCS sofa carry on) as well so it's looking good at the moment.

[Slickfm]

Re: Flossy UE Diary & YB Hassle

Thanks. Received and email sent. I'm all ready to write the letter if needed.

SH

Just what AAD is all about, people helping others, absolutely brilliant guys

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

She's online now mate but bear with her. She's really poorly

[ScabHunter]

Re: Flossy UE Diary & YB Hassle

I'll mail you her email addy mate. Sit tight

Thanks. Received and email sent. I'm all ready to write the letter if needed.

SH

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

I'll mail you her email addy mate. Sit tight

[ScabHunter]

Re: Flossy UE Diary & YB Hassle

Thanks SH - that'd be a great help if you would do that for Flossy.

I see Flossy is offline at the moment - I really need more information to be able to write the letter properly. I'll produce an outline, and then keep watching this thread for any new posts.

SH

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Thanks SH - that'd be a great help if you would do that for Flossy.

To update you all; we still email regularly so don't think this thread has been stagnant - it's been left as a result of illness.

We're busy fighting a claim as well (SCS fuckers)

[jon1965]

Re: Flossy UE Diary & YB Hassle

Hi Flossy welcome back.
The reason for the page issue is that all the posts by someone have been removed. It confuses everything lol

Hope you are ok.
Plan B is around lurking in the shadows somewhere.

[ScabHunter]

Re: Flossy UE Diary & YB Hassle

I can write this type of letter. Give me some facts to help me.

Did you ever receive a Notice of Assignment from Freds?
Is this UE or are you blagging it?
Were you ever issued with a default notice prior to termination by the original creditor?
Was there any PPI on the account?
Were there any charges of above £12, if so, how many?
Did you ever contact the original creditor about health issues, and, if so, what did they do?

SH

[Flossy]

Re: Flossy UE Diary & YB Hassle

PLEASE HELP - LETTER BEFORE ACTION

Hi Guys and sorry for my very long time away from my UE Diary. Unfortunately, for some reason my diary is stuck on Page 40 and I cant get past that to see the last things I wrote about but, I need to write about MINT today as I have a LETTER BEFORE ACTION from Bryan Carter Solicitors. I need to reply to them today and I am hoping that someone can help me as I know everyone always tries hard on here to help each other.Also Niddy knows I am also in the middle of another Court case so I would like to try and avoid anything right now.

After I updated the MINT part below Niddy told me to send UE template letter which I did and I got a letter back saying that they have seen this letter on a website and it is used regularly as a template letter! I am going to update below since I last updated.

The last I wrote about mint was:

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?

Niddy suggested UE Template which was sent.

WESCOT letter - "The wording of this letter is taken from what has become a standard document freely available on the internet which contains no legal standing in any points."

I then got very ill and have had a few letters back from FREDRICKSON and it has now been passed to BRYAN CARTER SOLICITORS who have issued Final Notice - LETTER BEFORE ACTION.

Due to being ill, I am wondering if I should send the normal Account in Dispute for this or if I should explain my illness hence the lack of replies? Could someone please point me in the right direction so I can email them today and fax them a letter or I will have another Court Letter in the post this week. They wrote to me on the 6th June 2013 and have given me 10 days!

?

[jon1965]

Re: Flossy UE Diary & YB Hassle

Flossy that's just fine. Probably best if one person and only one person gives you the help you need. It gets mighty confusing when there are different points of view

[Flossy]

Re: Flossy UE Diary & YB Hassle

Egg/Barclaycard:UE

May 2011 CCA sent to EGG - Egg didn't supply one due to no postal order.
September 2011 Barclaycard took over EGG.

CCA requested - received 3.2.2012 - UE

1 May 2012 Formal demand for payment - No PT letter sent

16 May 2012 - A/C passed to Credit Solutions - told to ignore

21 May 2012 - Letter from Credit Solutions full amount payable or debt collector sent to the property.

30 May 2012 - Passed to PowertoContact - Threats to visit the property
12 June 2012 - Doorstep collection letter sent to PowertoContact.

12 June 2012 - Credit Solutions taken over the A/C again offering a discount on the amount outstanding.
12 June 2012 - Respond to my letter sent to PowertoContact explaining that they have acted appropriately.
5 July 2012 - Letter off PowertoContact - Formal Notice Of Intended Visit.
11 July 2012 - Threat by Creditor to Commence Litigation sent to Credit Solutions.
18 July 2012 - Letter from Credit Solutions - Saying that Credit Solutions take complaints seriously, they do not know of any dispute with their client.
If I have received T&C's then please note that sending this docs fulfills our clients obligation of CCA Act 1974. They go on about me having till 1 August to let them know or a/c will be taken off hold and they refute any allegations of harassment and if they haven't had a reply from me by 1 August collection activity will continue.

30 August 2012 - Letter off Barclaycard - My A/C has now been passed to Moorcroft to manage the collection of the outstanding balance.
3 September 2012 - Letter from Moorcroft - Threat of intended litigation.
10 Sept 2012 - A/C in dispute letter sent
15 Sept 2012 - Moorcroft investigating my dispute and again on 3 October 2012
16 October 2012 - Letter from Moorcroft asking for 1 pound for the CCA I have requested [I didnt request one]
7 January 2013 - Moorcroft letter offering monthly instalments.
21 January 2013 -Passed to Midacreditservices - LITIGATION WARNING - I have no come to an agreement with their other part of their group Moorcroft.

[Flossy]

Re: Flossy UE Diary & YB Hassle

Hi Jon.

Im not great but I will never be better unfortunately.

Nice to hear from you and the people who have taken the time to read my diary and thanked my post.

I am dealing with P1 with this one and am just waiting for the next step and advice.

May PM P1 as 'she' may not have seen the post.