Nightwatch & Hubbys Diary of debt

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

MNS reserve
started 1997
ballance £2333.64
defaulted 2006
prorata to date oc, last payment 14/03/2012


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 with the 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 individual circumstances and to find the best possible way forward for me and their client.

so long 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 Incur 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 they have 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 assessment 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

Missing PT letter sent to FentonCooper
letter from FC dated 16/10, this matter is being investigated and they will contact me on recept of the information from their clients
28/10 still waiting
17/11 letter from FC they refer to my request for a copy of the CCA 1974 (s77) We enclose a copy of the executed agreement, enclosed is a copy of the signed agreement but no TC. letter continues
Having satisfied our obligation under s77, the agreement is fully enforceable and we shall continue to treat it as such. they will not be entering into any further correspondence with us reguarding the provision of copy agreements and they remind us that failure to make payments in respect of this agreement will result in further collection activities and any default may also be reported to CRA's
8/12, letter from Rockwell,dated 30/11, they have been instructed by M&S to contact me regarding my account which remains unpaid, I have 10 days to pay in full or they will take immediate action so 10 days from the date of the letter gives me till Monday, will send Missing PT letter
jan 2013
14/01/13 letter from rockwell (11/01) they are concerned that this matter remains unresolved, if they have not spoken to me or received atoken payment in the next 14 days, my account MAY be passed to fenton cooper to assess further recovery options, BUT, as a special offer i can settle at a reduced amount.
they say they have been authorised to offer me the option to settle the account at a significantly reduced amount, the remaining am mount may show on my credit file as being a default, although their client will not continue to chase payment of the remaining sum, call now to take us up on our offer and i will
save money
have my credit file updated
avoid further recovery action

13/03. letter from Rockers they write to confirm that they are no longer instructed to deal with this matter and have closed their files. I am to contact M&S if I have any queries.

15/03 letter from BCW dated 13/03, they have been instructed by M&S to recover the outstanding sum, they have also granted BCW access to my financial information held with A CRA and they will be monitoring this along with data from other sources to assess my ongoing ability to resolve this matter nosy beggers
It is imperative that I contact them to remedy the situation and so they can gain a more through understanding of my financial cercumstances, I am to phone one of their dedicated advisors,or, visit their website to set up a repayment plan/make a oneoff payment/find out if I am eligible for a discounted settlement,or send the full payment by post,
28/03 bcw regret to note that the balance on this account remains outstanding i thought that outstanding meant very good/excellent
they would like me to make contact with one of their specialist advisers who will be able to provide me with support is that with crutches/zimmer frame or just an elastic bandage and advice, they will be sympathetic to my individual circumstances, and will help me to find the most appropriate way to take steps toward resolving and closing my account when they say help me to take steps, are they talking about the pop group, coz if so i'm not taking them anywhere
April
08/04 letter from BCW Make us an offer errr stop contacting me and I'll forget you x
2014
letter dated 28th Feb from M&S they have sold my account to Arrow Global Ltd on the 5th Feb 2014 and that Arrow had instructed Wescot to collect, They kindly give me wescots Address and bank details so I can send them my payment, also included was letter from Arrow saying they now own said account and have passed it to Wescot to collect
never heard off Wescot about this account
19/04 letter from arrow just to let me know they have transferred the account to..... ROCKWELL. I am to contact them to arrange payment, they had it in the first place and didn't get one, so what do you think their chances are now?
28/04 letter from Rockwell dated 22/04, they have been instructed by Arrow to contact me, the debt is now overdue and must be paid in full with in 10 days or they will take immediate action must call them on given phone number to discuss other possible options.
I will be asked to provide a full statement of my income and expenditure in order to validate any instalment/ temp arrangement. cheeky sods they can ask they won't get
think I will wait for next threat, I'm in a can't be arsed mood

well never heard of Rockers but today I get a letter from arrow

01/10 letter dated 24/09 from Arrow. we are writing to let you know that Tessera will no longer be managing your account. The balance on the account is still owed to arrow, Wescot Credit Services ltd is currently manageing your account you should continue to make all payments and queries to them
09/10 letter from Wescot, they would like to inform me that they are acting for arrow/M&S Finan and would like me to contact them to discuss my options for repaying the balance on this account based on my personal curcumstances, these include, 1, paying in full, errm no, 2 Contacting us to agree an affordable repayment plan errm NO again as I have never had an account with M&S FINAN ,
the benefits of contacting us and agreeing a way forward are
you will not receive any further debt collection calls or letters from us regarding this account,I ignore most of them anyway so no benefit
while your account is with us you will not incur interest or fees, not paying gets me the same result, so, no benefit
you will be taking positive steps to improve your credit rating, already am as only 1 default left on CRA file, so, no benefit

30/10 letter from Wescot Arrow Global are offering significant discounts. to find out your settlement value and the savings you could make please call the above number, think I'll pass as I am already making "significant savings" by not paying anything
2015
18/03 letter from Arrow , My OVERDRAFT has been passed to Moorcroft it's a reserve account not a bank account??
30/03; letter from Moorcroft, My account details have been passed to them from Arrow, could I pay them please.
15/04; 08.30 am call this is a message from Moorcroft group for ........... cut off
22/04; letter from Moorcroft (dated 20/04) they have been unable to make contact with me following their recent letter. their aim is to establish with me, a repayment plan I can afford and maintain. Please send your payment proposal before 27/04 or telephone within the next 7 days
If no contact is made following receipt of their letter they may have no alternative other than to continue with further debt recovery action.
Further action may include this, or another DCA, continuing to contact you by letter or phone
We look forward to hearing from you and working with you in order to come to an amicable arrangement on behalf of our client. In certain circumstances we may also be able to offer a discount from the outstanding balance

19/05 letter from Morocroft dated 18/08 despite recent attempt to contact me no payment has been received in line with the arrangement we agreed to, with the result that your account is in arrears for the sum of £120.0

How can I be in arrears if I have NEVER made an arrangement with Moorcroft??

03/10 letter from Arrow they have passed the account to Shoosmiths LLP I should direct all queries, correspondence and payment to Shoosmiths . they again say that this is an overdraft
10/10 letter from Shoosmiths,dated 08/10/15 I have failed to pay the above amount to Arrow and must contact them immediately on 03700xxxxxx with my repayment proposal in order to avoid court action.
if I don't contact them in the next 14 days they will issue Court proceedings against me without any further warning of them being issued they state it is a CURRENT ACCOUNT OVERDRAFT


12/10 CCA request sent to Arrow, received 7 signed for on the 13/10
!4/10 LBA sent to Shoesmiths received & signed for 15/10


20/10/15 letter from Shoesmiths dated 16/10 they have asked their client for the documents in my letter, but will not be providing me with any copy's of correspondence between them and Arrow as it is privileged,
I am to note that Arrow is only prepared to provide what is reasonable and proportionate to the pleaded case,
Account on hold till they receive documents from Arrow.

15/10/2016, have today received a statement of account from Shoosmiths, they still await a copy of the, Notice of assignment and the default notice, once they have them they will send them to me, well it has taken a year to get a statement!
21/03/15 letter from Shoosmiths, they enclose statement of account & notice of assignment, unfortunately the default notice is unavailable. They trust this is sufficient and now request that I compleat the enclosed I&E and return it along with my proposed repayment within 14 days.
The notice of assignment says it is a Credit Card, but the statement of account says it is a Personal Reserve account.
I still havent received a CCA from Arrow

12/10/15 CCA request sent to Arrow, received 7 signed for on the 13/10 their reply was as it's an overdraft???? it won't have a cca so they haven't sent for one.
!4/10/15 LBA sent to Shoesmiths received & signed for 15/10

[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

7.30 tonight (24/09) door bell rings , hubby answers. then walks back and asks me if I am free to talk to a bloke from Moorcroft. NO. he tells him to leave but bloke tries to give him an envelope, Hubby tells him politely to shove it, I go to the door and tell him to leave now, he says he does'nt want to distress me, told him leave then, and he went. pussy cat

28/09 letter from Morectap (27/09) DISCOUNT OFFER they are dissapointed to note that dispite numerous attempts to contact me, no satisfactory agreement has been reached reguarding the debt outstanding,
But to prevent the possability of further debt recovery action their client has informed them that they MAY be able to offer me a substantial discount from my outstanding balance.
If I can agree to an arrangement for payment of a reduced settlement figure over the next 3 months, they will not persue the remaining balance of the debt they dont state the % of discount,and they say THEY will not persue the balance, not that no one will persue
I should contact them immediately err I'm washing my hair
they look forward to hearing from me don't hold your breath

29/10, Letter fromHome Collection Services LTD (27/10)I could be free of this debt if i telephone them and agree to one of the following options:
1/ agree an affordable repayment plan, they will be happy to discuss my financial circumstances with me and agree a monthly plan that I can afford and maintain, If we can reach an agreement they ensure me that no further debt recovery action will be taken while the plan is maintained,

2, Substantial Discount, I am to telephone them for a partial settlement figure. the benifits are;

a discount to help reduce the debt by a substantial amount do they do 100%

Once the payment has been received and cleared neither they or their client will contact me again concerning this debt, they don't say that no one else will contact me about the rest of it

I am not to ignore this letter I have not ignored i have read it and put it on here ( i may deal with it at a later date)

10/01/2013 letter from M&S account passed to Credit Security Ltd
17/01. letter from CSL, they have been instructed by M&S. please call them No
31/01, letter from CSL, we have not received a reply
16/03, letter from CSL(14/03) Despite attempts to contact you the debt is still outstanding. Depending on your circumstances our client may be prepared to accept a reduced sum in settlement. Phone us now.
04/11 letter from M&Saccount sold to Arrow Global on 8/10/13, Arrow have appointed Wescot as agents [wetsloths not doing to good with my accounts are they?] envelope also contained NOA from Arrow now as this is enforceable but have managed to blagg it for 19 months may just have to see how far I can go.
2014 well never heard of wetcloths
09/01/14 letter from Arrow they have appointed Rockwell to manage my account and have passed all my details to them, I should contact Rockwell to arrange payment of this account as a matter of urgency
13/01 letter from rotwell [9/01] to tell me they are working for arrow and would like me to pay the debt in full to their office will wait for next letter
07/02 letter from rotwell[4/2] begging letter asking me to work with them or arrow will take the account back and send it elsewhere will file for now
06/03 letter from rockwell they are concerned that this matter remains unresolved if they have not spoken to me or received at least a token payment in the next 14 days this account May be passed to Fenton Cooper,
SPECIAL OFFER- SETTLE AT A REDUCED AMOUNT, we have been authorised to offer you the opportunity to settle at a significantly reduced amount.why don't they put that at the top and tell you what it is they should know we won't call
The remaining balance may continue to show as a default but our client will not chase payment of the remaining sum CALL NOW, if I was to do a F&F I would want any credit files to be marked as settled, and notice they don't mention it not being sold on and someone else chasing
05/04 letter from Fenton cooper dated 31/03/14, Notice of recovery action,
Due to my failure to resolve this matter with Rockwell this account has been escalated to them for assessment and further recovery action. I am to read it carefully and follow the instructions to reply immediately.
To avoid further action I must pay the debt in full to Fenton, must read carefully, must pay fenton, must read carefully, must pay fenton, zzzzzzzzzzzz

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

M&S sc hubbys
started 1999
balance £1436.11
default 2006
Rockwell keep contacting us but ignored and sending payment to OC

12/04 CCA request sent
4/05 CCA received,they have sent a RECONSITUTED copy of the app/agreement form and T&C
it's a blank form with hubbys name and address typed in
will send to his Niddy ship


Missing PT letter sent
19/5, Letter from Rockwell, they are disappointing to note that they have not had a recent payment,if they don't hear from us by the 23rd may, any agreement we have had regarding the repayment of said debt will be cancelled and THEY will recommence action to recover the outstanding balance in full
If no action is taken concerning this matter the account may be passed to their 'Specialist recovery agents' "Fenton Cooper" to assess further recovery options,
I/WE have never had an agreement with Rockwell, we have been paying any payments to M&S direct
Rockwell are acting agents of M&S
have received letter dated 13/06/12 saying they have complied with the request under CCA1974 the account is not in dispute, and if I think it is I should provide full and sufficient details,
they state' there is NO requirement under section[77][78] that the original or a photocopy of the original signed agreement be provided

13/11/2012 09;20 phone call, but the caller couldn't work out how to get through truecall so all we got was "please phone Buchanan .....
13/11/12 letter from BCW, stating M&S have instructed them to recover the out standing amount, M&S are unaware of any Legitimate reason for non-payment. they would like us to contact
them so they can have a ' more thorough understanding of our financial circumstances' will send sold while in dispute letter
17/11/12 letter(dated 12/11) from M&S saying they have asked Buchanan's to take responsibility of the account BCW will contact us in due course about the overdue amount on the account
30/11 letter from BCW dated 23rd, they thank us for our recent communication and have placed a "cease all action" instruction on the account while they look into our complaint

jan 2013
16/01/13 letter from BCW(14/01) FINAL RESPONSE , they have investigated our claim and concluded our complaint has been refuted.
M&S have stated they sent a copy of our agreement by recorded post in May 2012.Therefore we will continue to pursue the outstanding balance with in the context of our clients instruction and the legitimate nature of our business.
Please contact our office directly to discuss the repayment options available to you.
17/01 letter from BCW (14/01) We wrote to you recently regarding your outstanding balance and regret to note that it still remains outstanding well seen as we only got the recent letter you wrote on the 14/01 yesterday its not given us much time to do anything
All that we ask is that you make contact with us on 0844 xxx xxxx so that we can discuss and gain an understanding of your financial circumstances. If you make contact with us our specialist advisers will be able to provide you with support (good i need holding up after a couple of bottles) and advice, they will be sympathetic to your individual circumstances, and they will help you to find the most appropriate way to take steps towards resolving and closing your account
dispute letter sent to BCW pointing out that an invallid CCA has been received and that I WILL NOT discuss the account over the phone!
29/01 letter from BCW dated 26/01. BCW are here to help. overdue debts can have a serious affect on your credit file ,they can also prevent or make it more difficult for you to obtain finance at all in the future. Make us an offer blah.. blah.. blah...NO MORE LETTERS OR PHONE CALLS. when you enter into a payment arrangement, as long as you make your repayments on time you will not receive phone calls or letters from us for a minimum of 6 months, at which point we will contact you to review your circumstances. Phone us today..
BCW received my letter on the 29/01 but they are still phoning
02/09/2013 letter from M&S dated 24th Aug account SOLD to Arrow Global ltd, on 25th July who have appointed Wescot CS as their servicing agents [ now isn't that a pity] it also contains a Notice of assignment from Arrow saying they have appointed Wetcloths as their agent and that all correspondence should be sent to them and not Arrow.
will wait for wescot to contact and send in the big guns xx

well never heard off wetcloths but today we receive
02/12 letter from Morecrap, your account details have been passed to us from Arrow to act as a collection agent and we will now be dealing with your account now that is a shame so close to Christmas
it's also a pity that Morecrap only quote their own and arrows Ref numbers and not who the debt was originally with only realised it was this account by the amount outstanding
09/12 letter from morecarp. important information- possible further action in big bold capital letters I can't read it any louder so why do they do that? to prevent possible further debt recovery action we are to send a payment proposal before 12/12/13,not left us much time or telephone 0161xxxxxxx within the next 7 days, if not they may have no alternative but to recommend to their clients that they consider possible further debt recovery action against us I thought they were the *further action*

21/12 letter from morecarp re our arrow global account .As they have not received any communication from us with regards to our outstanding account, they feel we may not be in a position to meet their request to pay the account in full. SO
In order to stop them from recommending that further debt recovery action is taken they can confirm that they would be prepared to accept an affordable monthly repayment plan that we can afford to maintain. Any payment offer will be considered and POSSIBLY accepted, PROVIDED we compleat their I+E form to support our proposal BLACKMAIL
Failure to respond within the next 7 days from the date of this letter [19/12] may leave them with no option but to recommend that their client takes further recovery action we can't get a reply can someone else deal with it
Jan 2014
swid letter sent to morecarp17/01 letter from morecarp dated 13/01. they thank us for our recent letter requesting a copy of the credit agreement and point out thet under the CCA 1974 we must provide a fee of £1.00. please make the fee payable to Arrow Global who is their client, I sent a sold while in dispute letter with the date on which the original request was made

10/04 letter from Arrow (07/04 has sc return address on the envelope) they have transferred the account to Scotcall, all communication is to be with SC
28/07 well Scotcall are eager little bunny's had a phone call off them but nothing else.
11/12/14 letter from arrow (01/12) Change of Agency, Scotcall will no longer be managing this account. Arrow still own the account but we have passed the account to Wescot , please direct all queries, correspondence and payments to Wescot Wescot were supposed to contact us last year but they never did
dec 2014, letter from wescot asking for payment

SWID letter to wescot rceived by then 22/12

Jan 2015


03/01 letter dated 31st DEC from wescot Reminder we recently wrote to you but we do not appear to have received a response from you

18/02 letter from westcot. we have written to you on several occasions asking you to contact us about this account, to date we have received no response.In an attempt to close this matter our client has agreed that we can offer you a discount to settle your account

lets see if my math is correct this will be the 3rd letter they have sent, I sent a SWID reply to the first one, which was signed for on the 22/12/14, they make no mention of it being a former M&S account only mention Arrow. I am just in the mood to send a ,I have no memory of ever having. had an account with Arrow, please check you Have the correct person' type of letter


24/04 letter from wescot (22/04) further to my letter of the 16/03. they can confirm that they replied to my letter on the 24th Jan 2015. well I never received it so wonder which of my neighbors has seen it?
Having contacted our client they have advised that you wrote to them in June 2012 to say they had not prescribed the terms or true copy of the agreement. no I have not made a mistake this is word for word the contents of the letter wescot have sent , I wrote to M&S in 2012 arrow didn't buy the account till 2013, so is arrow their client or M&S,
Arrow sent you a letter back to advise that they have provided all that was legally require ( another mistake) and the account is not in dispute and the balance is correct and due, Arrow have never sent any such letter

19/11 letter from arrow dated 17/11,Notification of account transfer to new agency, they have passed it to Shoosmiths, should we send another CCA request to Arrow, or wait for the LBA from Shoosmiths
25/11 letter from Shoosmiths (23/11) we are a firm of solicitors and have been instructed by Arrow global limited to contact you to agree how the sum outstanding from you will be repaid ( never if poss)
Our client has informed us that, in return for a lump sum payment in the short term, they may be prepared to accept less than the sum set out above in settlement of the sum outstanding from you. but they will update the credit file to only show a partial settlement it has now dropped off his credit file OR their client is prepared to consider accepting regular instalment payments, but, we would need to receive details of your income and expenditure before agreeing any regular instalment payments with you they can whistle Dixie
will send sold in dispute on Friday

Have received another letter from Shoosmiths dated 30/11 exactly the same as the 1st one, just asking that they are contacted to arrange repayment, will ignore as it will have crossed with the SWID letter that has been sent to them

11/12 letter dated 08/12, they refer to our letter dated xx/11, they have noted the contents and have requested the following from AG
Statement of account
Agreement
notice of assignment
Default notice
The account is placed on hold until received
but we are to note that AG does not agree to the rest of our comments, including time stipulations we have set out, therefore on receipt of the documents they will contact us again.

2016 nothing
2017 nothing
2018 nothing

2019

27/04 Have received a strange letter from Arrow,
They have recalled the account from Shoosmiths and are looking into the query that was raised ? NOV 2015

Once resolved they will write outlining the outcome of the query and about the next steps they decide to take.
This may include appointing one of their specialist "Servicing Partners" to manage the account.
Till then the account is on hold and they will contact us for any information they may need to resolve the query.


well it's taken 4 years to be found behind one of the filing cabinets, pity it is UE and SB, I only knew it was this account with it being the only one of Hubbys sent to shoosmiths as the letter only has an Arrow ref.
filed

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

CAP 1 cc
started 1998
ballance £1258.50
default 2008
now with Link financial
prorata to date last payment jan/feb 2012

CCA request sent
17/03 letter rec, they have sent for the agreement but it may take a while
31/03 letter from link, they have canceled my repayment plan as I have not informed them why i have stopped payment,"whilst they remain committed to recovering this debt by negotiation" they will if needed "persue me through my local county court if I do not contact their office" I am still waiting for my CCA request to be delt with
CCa from link,typed credit agreement no date,but with a V2# on bottom left of page, t&c from 1-23 with APR rates and unspecifide credit limits under section 10(Financial and Related Perticulars) and mentioning a date for base rate and a margin of 10,66% up to your aug 2000 statement???
no signitures, a page with my right to cancel/my rights/loss or misuse/ balance transfer conditions
and a set of current agreement T&C and a copy of a blank agreement.

Niddy says
Missing Prescribed Terms letter sent
16/05 letter received(14/05) they have sent to barclays for a copy of the T&C a duplicate will be sent to me,they ask that I "Please" confirm my payment proposal for the account by return
31/05 letter dated 29/05, they enclose the full terms and conditions from Cap1, they advise me to contact them with my proposal to settle the outstanding balance.
they have sent the EXACT same T&C as the first lot, just all typed out no app or blank/signed agreement,
just a min they have put an extra piece of paper in with "Original Agreement" typed on it, my name and account number, and I know this cannot be the correct T&C as they only ask for £10 for late payments, it was more than that in 1998

2013
2014
2015 statement of account from link for my LOAN covers from 2012/2015 and one letter asking for payment,
2016
23/02 letter from link they say they have tried to contact me with regards to my account. maybe i cannot afford to clear the balance today,but I do need to call them to discuss my circumstances and then they will be able to help, I will need to give them my full expenditure details so that I can make a genuine offer to pay, I need to phone today.
they advise me that they expect to recover the balance from me, there intentions are not to allow me to leave the account unpaid, even if their recovery action takes longer than they first anticipated
11/06, statement of account from link, it says LOAN agreement and it has a balance of £30 less than before?

06/12/16 Statement of account along with an arrears Information sheet detailing where I can get help with paying thes debt. Hubby got an email about this accountbut on checking the Ref no. found out it was mine.
30/06/17 statement of account as above

01/11/17 letter asking for us to contact them for a reduction in the balance due,

01/12/17 statement of account.

2018
09/04 letter from link, they have not written for some time as they have had to validate my address, They would like me to contact them to confirm my intentions regarding the outstanding balance on the account,
27/05/18. letter from link dated 23rd, they want to help me get back on track, They say that I will be aware that the account was previously owned by Link Financial Ltd is being serviced by Link Financial Outsourcing Ltd. NO I wasn't they never told me!
they waffle on about how worrying it can be if I am struggling to deal with my debts, But ignoring them will make it harder in the long term,it may have a negative effect on my credit rating. I think they will find I am not worrying my credit file is clear and my last payment was in Jan/Feb 2012.

04/06/18
Statment of account

02/08/18
email. asking me to contact them urgently

22/09, letter from link dated 19/09 exactly the same as the one above 09/04, they must have very bad filing skill in that office, they only validated my address in April this year

25/10 letter from Link, asking me to read it carefully,
the account was sold to Link in 2008 but to date they have come to no conclusion on how the debt is to be repaid,
they would like full payment, BUT, they understand this may not be possable.
they are therefore giving me the opportunity to pay by monthly instalments of 12.59 p.m, by DD.
I simply have to fill in the enclosed mandate and send it back, to make a start on reducing the balance.

errrr no it's SB and UE.

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

mbna cc hubbys
started 1997
balance £1192.2
default 2002
with Link financial

28/02 letter asking for proposals for increase in payments, i&e, and demanding a phone no. for them to contactus on
still waiting for cca

5/9/12 letter received from link, same as in above post
27/10/12 letter from link,they have given me final notice that any agreement i had with link to repay this debt has been canceled for non payment,
without further reference to me they will immediately commence recovery of the full amount by one of the following options I will be held liable for any and all of the cost associated with collection
1, my data will be passed to their internal Asset investigation department if they find any i will be shocked
2, my account will be approved for recovery by way of a judgement/decree secured in my local court. my local court was shutdown in August
3, this debt will be transferred to a Debt collection agent who may call at my home,they were doing this last month
they state at the bottom of the letter;

It is unfortunate that we were not able to resolve this amicably with you. as always our team of Account officers are available to help me on o844 should i wish to discuss this matter errrm no!!

29/10 no CCA received letter sent

10/11/2012 Have today received a CCA for this account from link
it contains
1, an unsigned cover letter saying they have complied with my CCA request
2, a piece of paper entitled Reconsitution Header with a large black cross next to a box containing the words Credit Agreement Not Retrieved
3, a blank Priority application form with hubbys name and address typed in and a box asking if we want a visa or Master card
terms and conditions dated at bottom 04/97
and I am assuming recent T&C as they have the default fee as £12 but no date
the thing i have noticed is that the account number on the print out is nothing like the card number this is for
no mention of if this is a visa or mastercard its a master card

Niddy says missing pt letter to be sent monday

20/11/2015
letter from Link ,they have previously written to us about this account, which has been sold to LINK FL, they would like to organise a time to talk to us about making an affordable arrangement to clear this balance,etc, etc, etc.
05/12 letter from link, IGNORING THIS NOTICE WILL NOT MAKE THIS DEBT GO AWAY,they would like us to contact them to discuss what options are available to us for repaying the outstanding amount owed to Link.

24/12/15 undated letter from link asking for us to, "Please read this letter carefully"
they state that the debt was bought by them in 2002, but to date they have received no conclusion of how it will be repaid ,It is asking us to pay up, they are giving us the opportunity to pay by monthly DD £11.93pm.they enclose dd mandate. if we can't afford this amount we can contact them urgently by telephone.

04/06/16 statement ao account from link, it shows as owing £1 more than before???

07/07/16 letter from Link they would like to 'organise' a time to talk to us about clearing the balance owed?
28/07/16 ltter dated 20/07 large bold heading telling us that Ignoring this notice will not make the debt go away, we are to call them without delay in relation to the outstanding balance, they would like to discuss what options are available for us to settle this debt and urge us to make contact as soon as pos.
if we require independent finacial advice we should consider contacting any of the organisationd on the reverse of the letter, they will be able to offer advice free of charge.
there is nothing on the reverse of the letter

09/08/16 letter from link (undated) we are to read the letter carefully. Link bought this debt in 2002 but we have not explained how we will repay this sum. Although they are entitled to immediate payment of the full ammount, they are willing to give us the opportunity to clear it by monthly payments of £11.93, by Direct Debit, which is printed on the bottom of the letter. we are to simply fill it in and return it, to start reducing the balance.
23/02/17, letter from Link, we are to read carefully, they refer to the letter they recently sent? while we may not be in a position to pay off the balance in full, they are sure that we would like to see the balance reducing, err not realy so I ?? have creatd a proposal for you, How Kind,
Spread the payments over 4 years, Simply make 45 payments of £23.86 and I will clear the remaining 10% balance, just fill in the DD form and send it back
30/11/17 statement of account from Link
15/05/18 letter from Link, dated 11/05.
they have not written for some time as they have had to validate our address, they would like us to make contact to confirm our intentions regarding the outstanding balance on the account,we can;-
phone
visit website
e-mail
OR- text us
they don't say ignore, which is a pity as that is what we intend to do,
last payment would of been Jan 2012 so SB.
05/06/18. statement of account £1 more than balance at top of page

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Barclaycard cc hubbys
started 2001
ballance £663.03 defaulted 2002
payment of £0.83p upto date OC

12/04 CCA req sent
10/05 letter dated 04/05 they are dealing with my request

taken then long enough to respond, CCAs for both of OH accounts were sent in the same envelope and they replyed to the first one 2 weeks ago

29/05 letter rec they cannot supply T&C as varied so cannot enforce at this time. but they would like me to continue payments to clear the debt

[Deepie]

Re: Nightwatch & Hubbys Diary of debt

Ok I2D thats the lot

off for a coffeee back in an hour

Just for the record...£ 89,755.00

[mauijim]

Re: Nightwatch & Hubbys Diary of debt

Just for the record...£ 89,755.00

Wow! I was up at around £56,000 last time I checked and that was £10K of overdraft.

Good luck with your UE quest.

MJ

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

You know most of these will be

I'm lost as to why you're still paying them, even a reduced amount! Similarly most the defaults should already be gone from CRA's....

Are you up for going down the UE route, across all debts?

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

when we started out it was £100k+

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

You know most of these will be

I'm lost as to why you're still paying them, even a reduced amount! Similarly most the defaults should already be gone from CRA's....

Are you up for going down the UE route, across all debts?


* I'll delete this later - to keep your diary in order

I am up for anything to do with UE, when we started out we had no help like this, and I had to manage as best i could. you should see some of the leagal looking letters I was sent back then

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

Hi

Well done for the new diary - it's quite impressive to be perfectly honest with you and best of all - most will be unenforceable.

If you send off a CCA Request for every account, and in the meantime cancel any payments - we'll get the ball rolling.

Absolutely pointless continuing to pay, most the CRA entries will have been removed, the ones with double defaults - I'll sort that for you later (after you send the CCA's) - there is a new template regards this that I did for someone else, once I find it, you can pretty much edit the relevant bits and send off to the CRA's and they have a duty to remove the duplicate default. You do not ask the lender/dca as they will just refuse.

As the data processor, it is the liability of the CRA's to correct any wrong info when you've proved the error - i.e. the original default.

Start by sending this: ---> Our Templates | Unenforceability Templates | CCA Request

Any questions?

[mk_chatham]

Re: Nightwatch & Hubbys Diary of debt

Nightwatch

Just checking on where you and your OH bank as you may need to open a new bank account. If you let us know where we can advise if this will be necessary.

Most impressive list, good luck

MK

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Nightwatch

Just checking on where you and your OH bank as you may need to open a new bank account. If you let us know where we can advise if this will be necessary.

Most impressive list, good luck

MK

bank with Santander, but we are thinking of changing banks (again) as we are hoping to sell and retire to spain later in the year/ next year, and I belive santander use our CRAs so could be a problem

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

bank with Santander, but we are thinking of changing banks (again) as we are hoping to sell and retire to spain later in the year/ next year, and I belive santander use our CRAs so could be a problem

Ooooh you read my reply to pepe regards this did you?

yes, as a Spanish company they use Experian. See my comments here: ---> Pepe2008 Heading for the Sun! - allaboutFORUMS