MJR001 UE Diary

[Deepie]

Re: MJR001 UE Diary

Letter landed from Nelson Guest today, this cannot remain outstanding for any longer, unless a suitable repayment plan is made within 10 days futher recovery action will be taken.

Should i send these, account in dispute as no cca has been forthcoming only a spreadsheet type printout which lists personal details etc

best

M

I would if it were me

[Never-In-Doubt]

Re: MJR001 UE Diary

I would if it were me

Me too....

[mjr001]

Re: MJR001 UE Diary

Account No3

RBS - Mint

Start Date : Approx August 1998
Balance as of 15/06/12 : £11,200
Last Full Payment : 01/01/2012
Status : Payments Stopped

March 24th 2012 - CCA request sent to RBS
April 17th 2012 - Letter from Power2Contact, please re-establish connection with RBS regarding account otherwise doorstep visit.
April 18th 2012 - Doorstep visit template sent to Power2Contact
April 27th 2012 - Doorstep visit from Power2Contact, wife told caller to put card through letterbox and leave.
April 29th 2012 - Letter sent to Power2Contact about doorstep visit - Injunctive relief order template sent.
May 8th 2012 - Letter from Mint, default notice, please pay now
May 23rd 2012 - Letter From Mint, CCA Recieved, Will Upload to secure area to check.
May 26th 2012 - Niddy said CCA missing prescibed terms letter sent
June 15th 2012 - Letters from Triton, demanding payment and also RBS sent another CCA of really poor quality which is the same as last time
June 25th 2012 - Letter from Triton, demanding full payment by cheque otherwise further action will be taken
June 26th 2012 - Account in Dispute letter sent to Triton
July 30th 2012 - Letter from Triton - Notice of legal proceedings letter received
July 30th 2012 - Letter sent to Triton - Threat o gram before action template sent
August 11th 2012 - Letter from Mint in response to threat o gram letter I sent them, saying they have fully compiled with CCA request.
August 12th 2012 - Letter sent to Mint, Uneforcable final template sent
August 13th 2012 - Letter from Green & Co solicitors, instructed to commence court proceedings
August 14th 2012 - Letter sent to Green & Co - Sold in dispute
August 17th 2012 - Letter received from Green & Co - Closing file and returning to Trition Credit Services
August 18th 2012 - Letter received from Mint - do not considor account to be in dispute, our final response
Sep 21st 2012 - Letter from Mint, unable to agree a suitable repayment plan. Transferring to Shoosmiths, letter from the within 14 days
October 9th 2012 - Letter from Shoosmiths, if you have been unable to come to an arrangement before, we can help, will contact me within 7 days
October 11th 2012 - Letter sent to Shoosmiths - Account in Dispute
October 17th 2012 - Letter from Shoosmiths - Please send £1 fee and letter direct to RBS for copy of CCA

Letter received from Shoosmiths, please send £1 fee and letter to RBS requesting CCA, with address's at bottom of page. This was requested in March and they sent one out ?

M

[Deepie]

Re: MJR001 UE Diary

Letter received from Shoosmiths, please send £1 fee and letter to RBS requesting CCA, with address's at bottom of page. This was requested in March and they sent one out ?

M

I would send a one liner telling them request was made ........

[mjr001]

Re: MJR001 UE Diary

Account No3

RBS - Mint

Start Date : Approx August 1998
Balance as of 15/06/12 : £11,200
Last Full Payment : 01/01/2012
Status : Payments Stopped

March 24th 2012 - CCA request sent to RBS
April 17th 2012 - Letter from Power2Contact, please re-establish connection with RBS regarding account otherwise doorstep visit.
April 18th 2012 - Doorstep visit template sent to Power2Contact
April 27th 2012 - Doorstep visit from Power2Contact, wife told caller to put card through letterbox and leave.
April 29th 2012 - Letter sent to Power2Contact about doorstep visit - Injunctive relief order template sent.
May 8th 2012 - Letter from Mint, default notice, please pay now
May 23rd 2012 - Letter From Mint, CCA Recieved, Will Upload to secure area to check.
May 26th 2012 - Niddy said CCA missing prescibed terms letter sent
June 15th 2012 - Letters from Triton, demanding payment and also RBS sent another CCA of really poor quality which is the same as last time
June 25th 2012 - Letter from Triton, demanding full payment by cheque otherwise further action will be taken
June 26th 2012 - Account in Dispute letter sent to Triton
July 30th 2012 - Letter from Triton - Notice of legal proceedings letter received
July 30th 2012 - Letter sent to Triton - Threat o gram before action template sent
August 11th 2012 - Letter from Mint in response to threat o gram letter I sent them, saying they have fully compiled with CCA request.
August 12th 2012 - Letter sent to Mint, Uneforcable final template sent
August 13th 2012 - Letter from Green & Co solicitors, instructed to commence court proceedings
August 14th 2012 - Letter sent to Green & Co - Sold in dispute
August 17th 2012 - Letter received from Green & Co - Closing file and returning to Trition Credit Services
August 18th 2012 - Letter received from Mint - do not considor account to be in dispute, our final response
Sep 21st 2012 - Letter from Mint, unable to agree a suitable repayment plan. Transferring to Shoosmiths, letter from them within 14 days
October 9th 2012 - Letter from Shoosmiths, if you have been unable to come to an arrangement before, we can help, will contact me within 7 days
October 11th 2012 - Letter sent to Shoosmiths - Account in Dispute
October 17th 2012 - Letter from Shoosmiths - Please send £1 fee and letter direct to RBS for copy of CCA
October 17th 2012 - Letter sent to Shoosmiths - One liner saying request for CCA and fee was sent to RBS in March
October 25th 2012 - Letter from Shoosmiths - Client has confirmed s78 request on 16th may, and confirmed in letter August 18th. fill in expenditure sheet to offer proposals for payment

Letter received from Shoosmiths, basically saying that Mint processed my CCA request on 16th May, and a photocopy of a letter which was sent to me in August from Mint saying they have fully complied with my CCA request and to go to the Financial services Ombudsman if not happy as this was there final response.

Also sent was an income and expenditure form to fill in and return to them by October 30th with a proposal for repayment.

Any ideas what to reply to this letter with as it is a solicitors ?

best
M

[Deepie]

Re: MJR001 UE Diary

Letter received from Shoosmiths, basically saying that Mint processed my CCA request on 16th May, and a photocopy of a letter which was sent to me in August from Mint saying they have fully complied with my CCA request and to go to the Financial services Ombudsman if not happy as this was there final response.

Also sent was an income and expenditure form to fill in and return to them by October 30th with a proposal for repayment.

Any ideas what to reply to this letter with as it is a solicitors ?

best
M

I would send this now if it were me--------> Final Response - Unenforceable (CCA Received)

[mjr001]

Re: MJR001 UE Diary

I would send this now if it were me--------> Final Response - Unenforceable (CCA Received)

just a quick check, forgive me for being dumb, there is a part of the template about the CCA not being not signed, they did send a signed document and some terms which they said were from it. Shall I just send the template anyway ?

regards

M

[Never-In-Doubt]

Re: MJR001 UE Diary

Yep send it as is, don't worry about that - it's a generalised template suitable for your situation here

[mjr001]

Re: MJR001 UE Diary

Account No2

Barclaycard - Apex

Start Date : Approx August 2000 (Apex took over approx Aug 2011)
Balance as of 18/01/12 : £3700 (original Balance £4500)
Last Full Payment : 01/12/11 - £20(part payment 01/01/12 - £5)
Status : Payments Stopped

Jan 6th 2012 - CCA request to Apex
Jan 11th 2012 - Letter from Apex, account on hold while requesting docs
Feb 13th 2012 - Letter From Barclaycard (via Apex) CCA Received, Niddy says
Feb 14th 2012 - Missing prescribed terms letter sent
Feb 25th 2102 - Letter From Apex, Disputing missing prescribed terms, sent to Niddy to check over
Feb 26th 2012 - Final response - Unenforcable, (CCA sent) template sent to Apex.
Mar 9th 2012 - Letter from Apex, recon agreement acceptable to them and no signature also acceptable ?. Advised to ignore.
October 26th 2012 - Letter from Apex - Notice of sum of arrears

Letter from Apex, notice of arrears, this is not a formal demand for payment, sent with arrears paperwork for OFT.

Ignore me thinks ?

M

[Deepie]

Re: MJR001 UE Diary

Letter from Apex, notice of arrears, this is not a formal demand for payment, sent with arrears paperwork for OFT.

Ignore me thinks ?

M

I would............

[MrsD]

Re: MJR001 UE Diary

me too

[mjr001]

Re: MJR001 UE Diary

Account No1

Egg - Moorcroft / Wescot

Start Date : Approx Jan 04
Balance as of 18/01/12 : £685 (original Balance £3000)
Last Full Payment : 01/01/12
Status : Payments Stopped.


Jan 6th 2012 : CCA request issued to Moorcroft
Jan 18th 2012 : Letter unable to provide CCA (uploaded)
April 16th 2012 - Letter from Moorcroft saying account in default unless I contact them to arrange payment, advised to ignore.
May 8th 2012 - Letter from Moorcroft, notice of intended litigation in county court.
May 8th 2012 - letter sent to Moorcroft, template for previous no CCA letter
June 06th 2012 - Letter from Wescot demanding payment
June 14th 2012 - Letter from Wescot - Final Notice - 10 days to reply !!
June 15th 2012 - Letter sent to Wescot - letter prevuiously confirming no CCA, received before from Moorcroft
August 31st 2012 - Letter from Wescott - Spreadheet type prints of name, address, job title etc
October 12th 2012 - Letter from Nelson Guest Solicitors - willing to consider options or further recovery action will be taken
October 12th 2012 - Letter sent to Nelson Guest - Account sold in dispute
November 2nd 2012 - Letter from Wescot - same as letter on August 15th, spreadsheet of my name, address, work details etc ?

letter from Wescot again with a spreadsheet printout of my personal details, name, address, job title, bank details.

says on letter from them find enclosed copy of application as requested ?. Idiots I asked them for a CCA, second time I have received this from them.

M

[Deepie]

Re: MJR001 UE Diary

letter from Wescot again with a spreadsheet printout of my personal details, name, address, job title, bank details.

says on letter from them find enclosed copy of application as requested ?. Idiots I asked them for a CCA, second time I have received this from them.

M

I would send this if it were me-----> Final Response - Unenforceable (No CCA Received)

[mjr001]

Re: MJR001 UE Diary

Account No3

RBS - Mint

Start Date : Approx August 1998
Balance as of 15/06/12 : £11,200
Last Full Payment : 01/01/2012
Status : Payments Stopped

March 24th 2012 - CCA request sent to RBS
April 17th 2012 - Letter from Power2Contact, please re-establish connection with RBS regarding account otherwise doorstep visit.
April 18th 2012 - Doorstep visit template sent to Power2Contact
April 27th 2012 - Doorstep visit from Power2Contact, wife told caller to put card through letterbox and leave.
April 29th 2012 - Letter sent to Power2Contact about doorstep visit - Injunctive relief order template sent.
May 8th 2012 - Letter from Mint, default notice, please pay now
May 23rd 2012 - Letter From Mint, CCA Recieved, Will Upload to secure area to check.
May 26th 2012 - Niddy said CCA missing prescibed terms letter sent
June 15th 2012 - Letters from Triton, demanding payment and also RBS sent another CCA of really poor quality which is the same as last time
June 25th 2012 - Letter from Triton, demanding full payment by cheque otherwise further action will be taken
June 26th 2012 - Account in Dispute letter sent to Triton
July 30th 2012 - Letter from Triton - Notice of legal proceedings letter received
July 30th 2012 - Letter sent to Triton - Threat o gram before action template sent
August 11th 2012 - Letter from Mint in response to threat o gram letter I sent them, saying they have fully compiled with CCA request.
August 12th 2012 - Letter sent to Mint, Uneforcable final template sent
August 13th 2012 - Letter from Green & Co solicitors, instructed to commence court proceedings
August 14th 2012 - Letter sent to Green & Co - Sold in dispute
August 17th 2012 - Letter received from Green & Co - Closing file and returning to Trition Credit Services
August 18th 2012 - Letter received from Mint - do not considor account to be in dispute, our final response
Sep 21st 2012 - Letter from Mint, unable to agree a suitable repayment plan. Transferring to Shoosmiths, letter from them within 14 days
October 9th 2012 - Letter from Shoosmiths, if you have been unable to come to an arrangement before, we can help, will contact me within 7 days
October 11th 2012 - Letter sent to Shoosmiths - Account in Dispute
October 17th 2012 - Letter from Shoosmiths - Please send £1 fee and letter direct to RBS for copy of CCA
October 17th 2012 - Letter sent to Shoosmiths - One liner saying request for CCA and fee was sent to RBS in March
October 25th 2012 - Letter from Shoosmiths - Client has confirmed s78 request on 16th may, and confirmed in letter August 18th. fill in expenditure sheet to offer proposals for payment
October 26th 2012 - Letter sent to Shoosmiths - CCA received, unenforcable
November 2nd 2012 - Letter from Shoosmiths - regarding unenforcability and saying proceedings will be issued.

Letter received from Shoosmiths, uploaded for easier reference.
Starting to get heavy, would it pay to upload the CCA that was sent previous to Niddy for a further check of what they sent previous.

Any ideas what to send these next ?

M

[Deepie]

Re: MJR001 UE Diary

Have a read here this may help----------> http://forums.all-about-debt.co.uk/s...&postcount=289