Nightwatch & Hubbys Diary of debt

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Lombard cc
started 1999
ballance £2800
Defaulted 2008
prorata payments to date

12/04 CCA sent
04/05 letter received (25/04) cannot comply with request as they need my signiture
no sig req letter sent
02/06 letter rec,containing original req and payment, no sig req letter, and a covering letter/template,cannot comply without signing request

ok this is getting stupid now.
06/07 letter received dated 29/06, they cannot deal with my request as there is no signiture, they have sent back to me the original req and the payment,wthe the 1st sig req letter, the 1st no sig req letter from me, 2nd sig req letter, 2nd you are not having a signiture letter. a new we want a signiture letter and the Envelope I sent them all back in last time

27/07 letter from Mr Munn at Lombard, he is dissapointed that I have failed to comply with our agreement, and unless i make an immediate payment to my account and regular payments thereafter, he will have no alternative but to place my account in the hands of external DCAs without prior warning
14/08 letter from lombard dated 03/08 as I have failed to respond to the banks previous demands(er they refused to send my CCA without a signiture)
they have no alternativebut to commence further proceedings for the recovery of the outstanding balance, failure to contact this office within 7 days, 'MAY' result in my account being transfered to external dca without further warning or delay I take it that as it took 11 days to get the letter they 'MAY' have done so already

now as this last letter is from my friend D L Munn I am tempted to send him the letter I thought of earlier in this thread
BUT, I also think I may wait and see who they give it to.
any one know who their inhouse muppets are?

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

MNS reserve
started 1997
ballance £2333.64
defaulted 2006
prorata to date oc


12/04 CCA req sent
05/05 CCA rec Niddy says
Had not received anything from them till today 30/06, they have asked Rockwell DCA to deal withthe account , I should hear from them shortly they phoned last night but were flumuxed by the truecall so left no message

28/07letter dated 23/07 from Rockwell, they have been asked to consider my indiviual curcumstances and to find the best possible way forward for me and their client.

so llong as they are managing my case for M&S they can GUARANTEE me ,that in respect of this particular debt:
NO debt collectors will visit my home
I will not be subject to any legal action, or Incurr legal fees or costs
NO interest will be applied to my outstanding balance.
HOWEVER, to continue managing my case, they must show their client that they are in contact with me and we are working together to find a resolution.
If their client is to take back the case from them, they may consider the options open to them to recover the amount owed these may include the ones detailed above,
Time is of the essence and I should contact them right away to avoid such action.
08/08 another letter from Rockwell, pleading with me to contact them so that they can help me, or they may have to return it to M&S.If I have notspokento them or sent atleast a token payment within 14 days the account may be passed to their specialist recovery agents Fenton Cooper
they give me 4 ways to make my token payment(one being by debit/credit card)
In addition theyhave been authorised to offer me the opportunity to settle the account at a significantly reduced rate but they don't say what
the remaining balance may continue to be shown on my credit file as being in default, although their client will not continue to chase payment of the remaining sum

Tempted to see what the offer is, as the default is due to drop off december this year

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

M&S charge cardstarted 1997
balance £1645.23
default 2007
prorata upto date OC not paid since april 2012

12/04 CCA req sent
05/05 letter received, dated 01/05, my repayment plan has now expired they would like me to call them to give them my details and discuss how i expect to clear the debt.
If they dont hear from me they will consider refurring the account to their solicitors. or they may refer it to a DCA
29/05 no CCA received letter sent

18/06 CCA rec will send to Niddy
23/06 letter received from Moorcroft dated 21/06 ' they have been instucted by M N S to to collect my overdue debt' I must make full payment within 7 days' OR' call them IMMEDIATLEY to prevent them recommending further debt recovery action to their client. they and their client do not wish to do this, but if no agreement cannot be reached by 28/06/12 they may have no alternative
they point out that their client has registered a default against my credit file in relation to this account
25/06 Letter fromM n S dated 20/06 they have asked Moorcroft to take responsibility for my account allpayments and queries to them
30/06 another letter from MnS they have asked Moorcroft to ect ect ect....
07/07 letter from Moroncust(05/07) they have been asked by their clients to Increase my outstaning debt by. this will increase my total debt to £1645.23, and I should contact them by 12/07 to discuss an affordable repayment arrangement that will clear this ammount in the shortest possable time.
If I am in receipt of certain benifits they may be able to asist me in establishing payment of this account through the benifits system
20/07 letter from Morecrap.19/07 they feel that I may not be in a position to repay the debt in full,so, to stop them recomending to their client that further debt recovery action should be taken, they are prepared to accept a sensible monthly repayment plan that I can afford to maintain, with this in mind the kind of figure they would be prepared to accept would be £100.00 per month
If I wish to take advantage of this opportunity I should ring them at once,
failure to respond within the next 7 days may leave them with no option but to recommend that further recovery action may be considered,
Do not ignore this letter
I didn't ignore their last letter, I did read it, but as I was not in the least interested in their offer I did not reply

09/08 letter from Midascreditservices dated 03/08 WARNING OF POSSIBLE FURTHER ACTION, they say they are part of Moorcroft and they are aware that I have failed to reach a repayment agreement with moorcroft, clever bloke this as such they have been asked to review what steps may be taken in relation to further debt recovery action. the options include recommending one of the following:

Continue in our attempts to contact you by letter and phone please continue I have a truecall
Instruct a local rep to arrange to call at your home address please do I love visitors, the last double glazing salesman to call would like some company in the basement
Referal of your account for consideration by our Litigation Selection Team err the bloke that signed the letter says he's a litigation Manager??

forgot I had to reply by the 10th/08/12

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

forgot I had to reply by the 10th/08/12

ermmm, don't worry

See what they send next time - good luck

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

M&S charge cardstarted 1997
balance £1645.23
default 2007
prorata upto date OC not paid since april 2012

12/04 CCA req sent
05/05 letter received, dated 01/05, my repayment plan has now expired they would like me to call them to give them my details and discuss how i expect to clear the debt.
If they dont hear from me they will consider refurring the account to their solicitors. or they may refer it to a DCA
29/05 no CCA received letter sent

18/06 CCA rec will send to Niddy
23/06 letter received from Moorcroft dated 21/06 ' they have been instucted by M N S to to collect my overdue debt' I must make full payment within 7 days' OR' call them IMMEDIATLEY to prevent them recommending further debt recovery action to their client. they and their client do not wish to do this, but if no agreement cannot be reached by 28/06/12 they may have no alternative
they point out that their client has registered a default against my credit file in relation to this account
25/06 Letter fromM n S dated 20/06 they have asked Moorcroft to take responsibility for my account allpayments and queries to them
30/06 another letter from MnS they have asked Moorcroft to ect ect ect....
07/07 letter from Moroncust(05/07) they have been asked by their clients to Increase my outstaning debt by. this will increase my total debt to £1645.23, and I should contact them by 12/07 to discuss an affordable repayment arrangement that will clear this ammount in the shortest possable time.
If I am in receipt of certain benifits they may be able to asist me in establishing payment of this account through the benifits system
20/07 letter from Morecrap.19/07 they feel that I may not be in a position to repay the debt in full,so, to stop them recomending to their client that further debt recovery action should be taken, they are prepared to accept a sensible monthly repayment plan that I can afford to maintain, with this in mind the kind of figure they would be prepared to accept would be £100.00 per month
If I wish to take advantage of this opportunity I should ring them at once,
failure to respond within the next 7 days may leave them with no option but to recommend that further recovery action may be considered,
Do not ignore this letter
I didn't ignore their last letter, I did read it, but as I was not in the least interested in their offer I did not reply

09/08 letter from Midascreditservices dated 03/08 WARNING OF POSSIBLE FURTHER ACTION, they say they are part of Moorcroft and they are aware that I have failed to reach a repayment agreement with moorcroft, clever bloke this as such they have been asked to review what steps may be taken in relation to further debt recovery action. the options include recommending one of the following:

Continue in our attempts to contact you by letter and phone please continue I have a truecall
Instruct a local rep to arrange to call at your home address please do I love visitors, the last double glazing salesman to call would like some company in the basement
Referal of your account for consideration by our Litigation Selection Team err the bloke that signed the letter says he's a litigation Manager??
20/08 letter from Morecrap-home collections devision-my account has been passed to them.this means that a local rep may call at my house. the double glazing bloke is getting excited
they have also been authorised to offer:
a substantial discount of UP TO 25% subject to personal circumstances no, dont think it will tempt me,
Greater discounts may be available and can vary, dependant on current circumstances discount of 90% may work
option of paying the AGREED settlement figure over a period of up to 3 months subject to T&C MY T&C

they also would like to emphasise that if no satisfactory agreement is made with them or their rep, I may leave them no alternative but to recomend to their client that they commence further debt recovery action.

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

they also would like to emphasise that if no satisfactory agreement is made with them or their rep, I may leave them no alternative but to recomend to their client that they commence further debt recovery action.

I would send this to Moorcroft ---> http://www.all-about-debt.co.uk/temp...assment/t6.php

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

I would send this to Moorcroft ---> http://www.all-about-debt.co.uk/temp...assment/t6.php

would do Niddy
but I havent been communicating by any means, and I just found out they did a search of hubbys credit file while checking on me, cheeky buggers

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

would do Niddy
but I havent been communicating by any means, and I just found out they did a search of hubbys credit file while checking on me, cheeky buggers

Ok well don't then but they may call, just ignore or tell them to get lost if they do!

Regards search, they can bring his details up if he is linked with you anywhere - it's cheeky but allowed so long as there is some sort of financial link, if not then ICO complaint time

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Cap 1 hubbys
Started 1998
Ballance £3923.13
Defaulted 2004
Still with OC

13/6/12 passed to wescot

now asking for new payment & I&E Ignored

27/01/12 letter thanking us for our recent comunication ,and confirming they will accept the reduced payment for 6 months?? not sent anything
30/01 cca sent
cca received email sent to niddy
niddy says missing prescribed terms letter will be sent monday

in the original CCa responce they sent a reconstituted copy of the original agreement containing name and address when taken out along with a scanned copy of the signiture page
22/03 letter from Cap one they say i have had the prescribed terms that were in force at the time the account was opened along with a scanned copy of the signiture on the agreement, will scan the letter in for your comments
after receiving their final response scanned in further in the thread have today received a letter from Carp 1
if you do not respond to this letter to bring your arangement up to date we MAY pass to a DCA or we may Choose to sell it to a debt purchaser
13/06 received a RED HEADED letter from Westcot" We have been instructed by our client to collect the outstanding debt" ok so Cap 1 is their client
To avoid WESCOT taking further action we must! 1,pay ye debt in full or 2, contact them by phone, failure to do so will result in further recovery action
I sent the 'sold while in dispute' letter to wetcloths

04/07 letter from Wetclots, they have contacted their client, their client sent a final response 15/03/2012, they believe the dispute has been resolved abd requie the full balance or an agreed monthly payment is required by return,
If I believe i still have a valid dispute, i have to contact them in the next 14 days or the account will be returned to the recovery team for collection

11/08 letter from Nelson Guest and partners, instructed by Wescot, acting on behalf of Cap one, Unless we contact Wescot with: full payment OR realistic options for a suitable repayment plan, that can be agreed, within the next 10 days of the date of this letter(07/08/12) further recovery action will be taken.

letter sent to NG&P final response UE CCA received

23/08 letter from wetcloths 20/08 Doorstep collection notice, I am to read this notice carefully. as they know of no genuine reason why we have failed to pay the outstanding balance, they have instructed their agent to make an appointment with us to visit our home and agree with us how to repay the debt, letters must have crossed so will ignore this for now,
I can still avoid a call by the Door step collecton agent by phoning them IMMEDIATELY

well I must go and clean the step as I appear to have quite an intrest in it, both wescot and moorcrap will be calling to view it

I may have to let the double glazing rep out of the basement to make room for these two,
note to self oil the hinges on the trap door

[Spent2much]

Re: Nightwatch & Hubbys Diary of debt

well I must go and clean the step as I appear to have quite an intrest in it, both wescot and moorcrap will be calling to view it

I may have to let the double glazing rep out of the basement to make room for these two,
note to self oil the hinges on the trap door

[nanna58]

Re: Nightwatch & Hubbys Diary of debt

bargain basement butter is good for trapdoors u know

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

bargain basement butter is good for trapdoors u know

I know but the cats from over the road have got a bad habit of trying to lick it off, and they give the game away

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Lombard cc
started 1999
ballance £2933.05
Defaulted 2008
prorata payments to date

12/04 CCA sent
04/05 letter received (25/04) cannot comply with request as they need my signiture
no sig req letter sent
02/06 letter rec,containing original req and payment, no sig req letter, and a covering letter/template,cannot comply without signing request

ok this is getting stupid now.
06/07 letter received dated 29/06, they cannot deal with my request as there is no signiture, they have sent back to me the original req and the payment,wthe the 1st sig req letter, the 1st no sig req letter from me, 2nd sig req letter, 2nd you are not having a signiture letter. a new we want a signiture letter and the Envelope I sent them all back in last time

27/07 letter from Mr Munn at Lombard, he is dissapointed that I have failed to comply with our agreement, and unless i make an immediate payment to my account and regular payments thereafter, he will have no alternative but to place my account in the hands of external DCAs without prior warning
14/08 letter from lombard dated 03/08 as I have failed to respond to the banks previous demands(er they refused to send my CCA without a signiture)
they have no alternativebut to commence further proceedings for the recovery of the outstanding balance, failure to contact this office within 7 days, 'MAY' result in my account being transfered to external dca without further warning or delay I take it that as it took 11 days to get the letter they 'MAY' have done so already

letter sent to lombard along the lines of, stop playing silly buggers I made a CCA request it is not a DPA request so you dont need a signiture, sent back original CCA and £1.00 payment wanted a reply in 7 days

01/09/12 letter from Triton Credit Services dated 23/08. Lombard bank has placed your account with us for Immediate collection,
To avoid further action I am requested to forward a Cheque for the full amount by return, If I am unable to make this payment by return I am asked to telephone the office immediately by return of what? is Triton not part of RBS?

Now as letter to lombard may have arrived after this mob sent this letter should I wait to see if i get a reply (Request returned) from lombard or should I just send the sold in dispute letter to Triton

[Deepie]

Re: Nightwatch & Hubbys Diary of debt

Now as letter to lombard may have arrived after this mob sent this letter should I wait to see if i get a reply (Request returned) from lombard or should I just send the sold in dispute letter to Triton

I would send the sold in dispute letter to Triton if it were me...........

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

MNS reserve
started 1997
ballance £2333.64
defaulted 2006
prorata to date oc


12/04 CCA req sent
05/05 CCA rec Niddy says
Had not received anything from them till today 30/06, they have asked Rockwell DCA to deal withthe account , I should hear from them shortly they phoned last night but were flumuxed by the truecall so left no message

28/07letter dated 23/07 from Rockwell, they have been asked to consider my indiviual curcumstances and to find the best possible way forward for me and their client.

so llong as they are managing my case for M&S they can GUARANTEE me ,that in respect of this particular debt:
NO debt collectors will visit my home
I will not be subject to any legal action, or Incurr legal fees or costs
NO interest will be applied to my outstanding balance.
HOWEVER, to continue managing my case, they must show their client that they are in contact with me and we are working together to find a resolution.
If their client is to take back the case from them, they may consider the options open to them to recover the amount owed these may include the ones detailed above,
Time is of the essence and I should contact them right away to avoid such action.
08/08 another letter from Rockwell, pleading with me to contact them so that they can help me, or they may have to return it to M&S.If I have notspokento them or sent atleast a token payment within 14 days the account may be passed to their specialist recovery agents Fenton Cooper
they give me 4 ways to make my token payment(one being by debit/credit card)
In addition theyhave been authorised to offer me the opportunity to settle the account at a significantly reduced rate but they don't say what
the remaining balance may continue to be shown on my credit file as being in default, although their client will not continue to chase payment of the remaining sum

3/09/12 letter from Fenton cooper,It opens with Dear Madam.my account has been escalated to them for assesment and further recovery action to avoid further recovery action I must
1, Pay in full to Fenton Cooper
2, Contact their collection department

Failure to take the above action MAY result in the following actions
1, a debt collector MAY visit my home
2, a court judgement/Decree MAY be requested
any Court costs awarded will be added to my debt

Is Fenton Cooper just one bloke as it is signed Fenton Cooper?

as this is Enforceable should I offer them my £1 or wait for the next letter