Nightwatch & Hubbys Diary of debt

[Pixie]

Re: Nightwatch & Hubbys Diary of debt

Agreed, send SWID to Lowells and just ignore the email.

[nanna58]

Re: Nightwatch & Hubbys Diary of debt

The email sounds a bit dodgy if you've not given it to them, could be phishing.

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Bos cc
start date 1998
owing £4802.57
defaulted 2008
prorata payments to Blair Oliver & Scott up to date
12th April CCA sent
27/04 letter received from Blair etc..dated 23/04, thanking me for my request for A NEW/ UPDATED TEMPORY REPAYMENT PROGRAM ??????
they confirm that my proposal to pay £1.00 a month is acceptable and i should pay them by the 22nd of each month, should I miss one instalment, legal procedings could be instigated without further notice.
£1.00 has been used toward payment of debt and not for CCA

26/07 nothing heard from BOS

5/11 letter from Blurr, Orrible and Snot dated 31/10/12, I AM NOT TO IGNORE THIS LETTER, they are urgently trying to contact me to discuss the repayment of my debt, but I do not appear to have responded to their requests for payment or provided acceptable repayment proposals. now let me see.. Yep thats it !! I am still awaiting my CCA that was requested in April, and I haven't heard off them since the stupid letter of the 24th/4
No CCA received letter sent16/11
21/11 letter Headed from, from Blurb oribble, snot,dated 18/11(Sunday ?) as we havent been able to agree a suitable repayment plan, we've transfered your BOS cc to Robson Way.I am to contact Robbin ways asap, and they give their contact details as Quays Reach Salford which is interesting as it is the return address on the back of the envelope the letter came in.
23/11 09.30am phone call from robway, they obviously cant understand english as my truecall only got ..speak to one of our advisers....
23/11 letter from Robway asking for us to contact them to arrange full payment or an arrangement, if we don't they MAY advise their client to start court action
26/11 phone call from RW different number showing on truecall but they still cant workit out
27/11 same as 26th
28/11 same as 26th & 27 th each time a different number
29/11 letter from BOS they thank me for my recent request for my CCA ?? they are currently awaiting the documentation to fufil my request and will endeavour to reply as soon as possible take as long as you like
will send sold in dispute to RW
5/12 CCA received from BOS have email it to Niddy
8/12 letter from Robsway NOTE...... IMMEDIATE ACTION REQUIRED noted, just posted on here,I am to act now, and call them without delay and pay using my card I have a Christmas card?their staff are waiting for my call,hope they get to go home over christmas
will Ignore as sent Sold in dispute letter last week by snail mail
niddy says prob have sent missing pt to hbos
21/12 letter from robbing ways. NOTE...IMMEDIATE ACTION REQUIRED.
you have not paid the sum you owe. until it is paid your account will not be closed, but may stay registered as an unpaid debt in your name. this may adversely affect your credit rating. WE URGE YOU TO SETTLE YOUR ACCOUNT-NOW- AND CLEAR THIS UP ONCE AND FOR ALL. if i call them today they can agree a reduced balance and i may even be able to pay the reduced balance by installments i can afford
2013
9/01 letter from RW(7/01) APPOINTMENT FOR HOME VISIT your debt is still unpaid despite previous letters and calls they have had a Sold in dispute letter in dec. and all calls come through our trucall, no messages left
before court action is considered we MAY arrange for a local rep to call at your address, to agree an affordable payment plan with you. YOUR ACCOUNT MAY BE SENT TO OUR LOCAL REP IN 10 DAYS TIME call us if you would prefer to agree an affordable payment plan with this office, or if you want to agree an appointment for our rep to visit. if they are sending it to their Rep why do I want to call to make an appointment ?
If you prefer not to talk to us you can deal with this online at our website. will send dorstep visit letter and refer to dispute letter sent in dec
still no reply to missing prescribed terms letter sent to Hbos
letter sent to robbing ways refering them to my letter sent in nov that they have ignored {copy enclosed} also refers to no reply from HBOS and dorstep visit letter
24/01 letter from Horwich Farrelly solicitors court action may be taken against me unless i take steps to resolve this matter quickly. i can avoid this action if i take the following action within the next 10 days. make a payment in full, or, pay what i can now and the remainder by an affordable payment arrangement.

06/02 letter from HF(04/02) they have noted my dispute/query, they will stop all collection activity for the time being while they make the necessary enquires

25/03 letter from BOS(21/3) it has a return address of CDR Manchester as we havent agreed to an acceptable repayment plan they have transferred ? my Hbos-Visa/Mastercard account to Crapquest, who they have asked to arrange collection of the outstanding balance so they don't know if its a visa or mastercard
Iam to contact crappyquest to arrange payment, cheeky sods want me to do their job for them
28/3. letter from crapjest [24/3] they write to inform me that my visa/mastercard account has been referred to them to manage in all matters relating to collection, which may include;
Personal visits by our doorstep collection agency
Possible Litigation
It is there aim to ensure that a suitable payment plan is agreed and maintained,their team of negotiators will assist me in finding a plan that will clear my indebtedness, without the need for further action.
If i am not in a position to settle the account i am to contact them to discuss the matter
Contact must be made by 02 April 13 by calling them on 0844.... or I am to write to them not left me any time to write if contact is not made by this date the account will be passed to HL Legal.
NO CONTACT WILL MEAN FURTHER ACTION
It ends with 'LETS WORK ON THIS TOGETHER'
April
05/04 SWID letter to crappyjest,along with stop the phone calls, and don't threaten to visit my doorstep.
11/4 letter from crappyjest (8/4) prior to the start of legal proceedings various checks and validations are undertaken to establish facts around your current circumstances. During this process it has been established that there are no outstanding CCJ's registered against you at your current address that's kind of them to let me know
they are highlighting this as a matter of urgency WHY? If we need to start the legal process and a judgement is awarded against you this may have a damaging affect on your ability to obtain credit no sh1t sherlock
they go on to explain what may happen if i apply for credit. they are not seeking payment in full; they can offer many repayment methods that can be designed around my current curcumstances that may include possible settlements that will save me money but if i'm not paying i'm already saving money all they ask is that i make contact on 0844 befor 21st april, no contact by this date will result in my account moving forward to litigation
LET's work on this together
as SWID letter has been sent will wait and see what comes next

25/04 letter from HL legal.[23/04] crappyjest have appointed us on behalf of hbos visa/mastercard so they don't know if its a visa or mastercard?
TAKE NOTICE THAT unless this account is paid in full or a satisfactory proposal for settlement is received by 07 may 13, court proceedings MAY be issued against you without further notice.
they go on to say that if they issue proceedings they will add court costs of £85. and solicitors costs of £80 and if judgement is obtained against me It will result in further costs and fees being added.
I am to contact crappyjest without delay to make payment, or if I wish to discuss the matter.
now as today has been a really crappy one I am in the mood to phone and tell them to GFY, but realize a paper trail must be kept. so I will send the threat-o-gram template and point out they have not replied to my letter of the 5th april.
3/5 letter sent to carpyjest
09/05. letter from CQ they are sorry I am dissatisfied with their service,and will be conducting a through investigation into the issues I have raised. and will contact me with the outcome of their investigation. they enclose a copy of their internal complaints procedure
11/05 letter from crapjest stating they have been in touch with BOS and have been informed by BOS that my complaint (missing PT letter) had been dealt with and responded to in their letter of 27/12/2012 they kindly enclosed a copy of the said letter this is a letter I never received
they say that I was informed that the documents provided to me by HBOS comply with all requirements under the CCA and that if i was unhappy i could refer my complaint to the FOS within 6 months of the date of the letter.
they go on to say that in my letter i stated that they had chosen not to deal with my dispute, but they have not received any other correspondence from me regarding this dispute only my letter of complaint so are unable to assist me further , however if I could send proof of my request for documentation they will be happy to investigate the matter further. due to that fact they are unable to find any issue with the way they have dealt with my account as they have no record of receiving my request for documentation under the CCA 1974. if I am not satisfied i can refer my complaint to the FOS blah blah blah
now back to the missing letter of december2012
letter dated 27/12/2012 from bos,they point out that I was sent a letter in Nov 2012 which contained the documents I requested and told me how they had complied with the CCA 1974
'In summary, to comply with section 78, the copy does not have to be a copy with the customers signature on it. We do not have to produce an actual copy of the document signed. the purpose of section 78 is to allow debtors access to the terms and conditions of their credit agreement and by providing the debtor with a true copy of the terms and conditions we have complied with section 78.In addition, although not required under s78 we also provided a copy of the original signed agreement. we will not be providing any other documentation, as we have fulfilled your request.

they continue to state that the documents sent comply with s78 and the copy agreement contains all the prescribed terms, names and addresses of all parties, a description of how the credit limit will be calculated and all the original T&C . It does not show the signitures of both parties as this element is specifically excluded from being required by regulation 3(2)(b) of the consumer credit(Cancellation Notices and copies of Documents) Regulations 1983.
If i am unhappy I can refer to FOS within 6 months they enclose their leaflet that explains about the FOS services and their contact details they didn't
OK what they sent me was :
a copy of the signed agreement no T&C on it
a copy of current terms with the signature box and your right to cancel. somewhere in the middle of the T&C. the interest rate is 13.9 and default sum is £12
and the covering letter states "Please find enclosed a copy of the original signed agreement which prove a valid signature The prescribed terms of the agreement would have been validly incorporated into the agreement on the reverse of the enclosed sheet or a separate attached sheet


22/06 letter from crapjest(19/06) they say that following previous correspondence and in order to bring this matter to a satisfactory conclusion their client, HBOS has requested them to contact me to advise that a settlement figure is now available for my visa/mastercard account. to take advantage i must contact them on 0333....... by 28th june
if an agreement is reached to settle with a reduced payment, once it has been received and cleared they will close my account and my credit file will be updated to show that the balance has been satisfied with a special flag of partial settlement. they can piss off if no contact is received by the above date they reserve the right to withdraw this offer.
well they must of withdrawn the offer
29/07 letter from BOS dated 25th As we haven't been able to agree a suitable repayment plan they have transferred account to Wescot Credit Services Ltd, they've instructed Wescot to arrange collection of the outstanding amount. They want ME to contact Wescot asap to arrange to pay back the outstanding balance,

08/08 letter from Wetcloths they have been asked to collect this debt

08/08 letter to wetcloths SWID

17/08 letter from wetcloths (15/08) account on hold while they contact their client.
22/08 letter from wetclots (20/08) they enclose a reply from Hbos and would like a payment from me. They have sent me a copy of the 27th, Dec letter, that Hbos say they sent (never received,to be honest I think they never sent it) which states partway through" in summary, to comply with section 78, the copy does not need to be a copy with the customers signature on it( but it was). we do not have to produce an actual copy of the document signed (but they did) The purpose of section78 is to allow debtors access to the terms and conditions of their credit agreement and by providing the debtor with a true copy of the terms and conditions of the agreement we have complied with section 78". but they haven't, there are no prescribed T&C on the copy they sent and the covering letter(s) state that the T&C would of been on the reverse or on a seperate sheet.
02/09 final Response UE CCA received letter sent to wetcloths
11/09 letter from Wetcloths, thanking me for my letter and acknowledging that I have raised a dispute on the account and that while they investigate the dispute the account is on hold,as it may take several weeks to contact their client and look into the dispute they thank me for my patience they can take as long as they like they will contact me when they have concluded their investigation, to advise me of the outcome and next steps

18/09 letter from wetcloths (13/9) They have contacted their client who has advised them that the account was opened on the 14th of Jan 1998 and they are not obliged to produce a copy of the application under the 1974 Consumer Credit Act, as the account is over 6 years old.they continue that they believe the dispute has now been resolved and want payment,
if I believe there is still a dispute I am to contact them with details within the next 14 days


14/10 missing PT sent to wetcloths

17/10 letter from wetcloths(14/10) as a final attempt to avoid further action, our client has agreed that we can offer you a discount to settle your account ,offer is for a limited period only I should contact wetcloths by 24/10 to agree a suitable settlement, telephone 0844xxxxxx
28/10 letter from Wetcloths, their client is still saying that because the account was opened in 1998 they are not obliged to produce a copy of the application if the account is older than 6years
04/11 letter from Wetsloths, the opportunity to take control of my outstanding balance, they would like to give me the opportunity to pay my outstanding balance by means of regular manageable instalments, which would give me the potential to improve my credit rating and increase my chance of obtaining future credit. Now why would I need to improve my chance of obtaining credit in the future, I only have one DF showing on my cfedit file and that falls off in Feb 2014, I have 2 accounts with K N Co with a joint credit limit of 19,000 so don't think I'm overly worried.
06/11 UE CCA [again] received letter going of today

04/12 letter from wetcloths [29/11] referring to my recent communication. Having contacted their client they have advised that the documentation supplied meets all regulations.Our client also advised that you have been provided with FOS details, if you wish to take this dispute further i can only assume these details were sent with the letter dated 27/12/12, which I never received, only caught sight of it in May when wetclots sent me a copy anyhooo wetcloths belive the dispute has now been resolved and the full balance or an agreed monthly payment is required by return
In the event I believe I still have a valid dispute, would I please contact them with the details within next 14 days you're darn tootin I will or account will be returned to recovery team
jan 2014
UE letter sent to wetcloths

July 2015

Letter received today from BOS ( dated 14/07/15) they have assigned the account to Lowell Portfolio 1 Ltd . they in turn have appointed Lowell Financial Ltd to manage.

shall I send another CCA request or a SWID
31/07/2015 letter from Lowell asking for me to make contack to arange a full payment or set up a repayment plan, they are here to help me clear this debt.
I also received an email from them asking if it was ok to contact me using the email they have on file
now this last part is a bit frightening, I have never emailed anyone about this account so where have they got the address from?

will send SWID letter next week, will just ignore email.

[Deepie]

Re: Nightwatch & Hubbys Diary of debt

No only the one introducing themselves, stating that they now own the account as of 17/06/15 and asking me to call to arrange payment.

I just like to be ahead of the game xx

Yeah...... I know you're on top of things .....

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

No only the one introducing themselves, stating that they now own the account as of 17/06/15 and asking me to call to arrange payment.

I just like to be ahead of the game xx

[Deepie]

Re: Nightwatch & Hubbys Diary of debt

not quite sure which letter to send, it is in dispute as I have not had sight of the original T&C's, but it has been over 3 years since my original CCA request.

have you had a letter from Lowell's yet ?

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Bos cc
start date 1998
owing £4802.57
defaulted 2008
prorata payments to Blair Oliver & Scott up to date
12th April CCA sent
27/04 letter received from Blair etc..dated 23/04, thanking me for my request for A NEW/ UPDATED TEMPORY REPAYMENT PROGRAM ??????
they confirm that my proposal to pay £1.00 a month is acceptable and i should pay them by the 22nd of each month, should I miss one instalment, legal procedings could be instigated without further notice.
£1.00 has been used toward payment of debt and not for CCA

26/07 nothing heard from BOS

5/11 letter from Blurr, Orrible and Snot dated 31/10/12, I AM NOT TO IGNORE THIS LETTER, they are urgently trying to contact me to discuss the repayment of my debt, but I do not appear to have responded to their requests for payment or provided acceptable repayment proposals. now let me see.. Yep thats it !! I am still awaiting my CCA that was requested in April, and I haven't heard off them since the stupid letter of the 24th/4
No CCA received letter sent16/11
21/11 letter Headed from, from Blurb oribble, snot,dated 18/11(Sunday ?) as we havent been able to agree a suitable repayment plan, we've transfered your BOS cc to Robson Way.I am to contact Robbin ways asap, and they give their contact details as Quays Reach Salford which is interesting as it is the return address on the back of the envelope the letter came in.
23/11 09.30am phone call from robway, they obviously cant understand english as my truecall only got ..speak to one of our advisers....
23/11 letter from Robway asking for us to contact them to arrange full payment or an arrangement, if we don't they MAY advise their client to start court action
26/11 phone call from RW different number showing on truecall but they still cant workit out
27/11 same as 26th
28/11 same as 26th & 27 th each time a different number
29/11 letter from BOS they thank me for my recent request for my CCA ?? they are currently awaiting the documentation to fufil my request and will endeavour to reply as soon as possible take as long as you like
will send sold in dispute to RW
5/12 CCA received from BOS have email it to Niddy
8/12 letter from Robsway NOTE...... IMMEDIATE ACTION REQUIRED noted, just posted on here,I am to act now, and call them without delay and pay using my card I have a Christmas card?their staff are waiting for my call,hope they get to go home over christmas
will Ignore as sent Sold in dispute letter last week by snail mail
niddy says prob have sent missing pt to hbos
21/12 letter from robbing ways. NOTE...IMMEDIATE ACTION REQUIRED.
you have not paid the sum you owe. until it is paid your account will not be closed, but may stay registered as an unpaid debt in your name. this may adversely affect your credit rating. WE URGE YOU TO SETTLE YOUR ACCOUNT-NOW- AND CLEAR THIS UP ONCE AND FOR ALL. if i call them today they can agree a reduced balance and i may even be able to pay the reduced balance by installments i can afford
2013
9/01 letter from RW(7/01) APPOINTMENT FOR HOME VISIT your debt is still unpaid despite previous letters and calls they have had a Sold in dispute letter in dec. and all calls come through our trucall, no messages left
before court action is considered we MAY arrange for a local rep to call at your address, to agree an affordable payment plan with you. YOUR ACCOUNT MAY BE SENT TO OUR LOCAL REP IN 10 DAYS TIME call us if you would prefer to agree an affordable payment plan with this office, or if you want to agree an appointment for our rep to visit. if they are sending it to their Rep why do I want to call to make an appointment ?
If you prefer not to talk to us you can deal with this online at our website. will send dorstep visit letter and refer to dispute letter sent in dec
still no reply to missing prescribed terms letter sent to Hbos
letter sent to robbing ways refering them to my letter sent in nov that they have ignored {copy enclosed} also refers to no reply from HBOS and dorstep visit letter
24/01 letter from Horwich Farrelly solicitors court action may be taken against me unless i take steps to resolve this matter quickly. i can avoid this action if i take the following action within the next 10 days. make a payment in full, or, pay what i can now and the remainder by an affordable payment arrangement.

06/02 letter from HF(04/02) they have noted my dispute/query, they will stop all collection activity for the time being while they make the necessary enquires

25/03 letter from BOS(21/3) it has a return address of CDR Manchester as we havent agreed to an acceptable repayment plan they have transferred ? my Hbos-Visa/Mastercard account to Crapquest, who they have asked to arrange collection of the outstanding balance so they don't know if its a visa or mastercard
Iam to contact crappyquest to arrange payment, cheeky sods want me to do their job for them
28/3. letter from crapjest [24/3] they write to inform me that my visa/mastercard account has been referred to them to manage in all matters relating to collection, which may include;
Personal visits by our doorstep collection agency
Possible Litigation
It is there aim to ensure that a suitable payment plan is agreed and maintained,their team of negotiators will assist me in finding a plan that will clear my indebtedness, without the need for further action.
If i am not in a position to settle the account i am to contact them to discuss the matter
Contact must be made by 02 April 13 by calling them on 0844.... or I am to write to them not left me any time to write if contact is not made by this date the account will be passed to HL Legal.
NO CONTACT WILL MEAN FURTHER ACTION
It ends with 'LETS WORK ON THIS TOGETHER'
April
05/04 SWID letter to crappyjest,along with stop the phone calls, and don't threaten to visit my doorstep.
11/4 letter from crappyjest (8/4) prior to the start of legal proceedings various checks and validations are undertaken to establish facts around your current circumstances. During this process it has been established that there are no outstanding CCJ's registered against you at your current address that's kind of them to let me know
they are highlighting this as a matter of urgency WHY? If we need to start the legal process and a judgement is awarded against you this may have a damaging affect on your ability to obtain credit no sh1t sherlock
they go on to explain what may happen if i apply for credit. they are not seeking payment in full; they can offer many repayment methods that can be designed around my current curcumstances that may include possible settlements that will save me money but if i'm not paying i'm already saving money all they ask is that i make contact on 0844 befor 21st april, no contact by this date will result in my account moving forward to litigation
LET's work on this together
as SWID letter has been sent will wait and see what comes next

25/04 letter from HL legal.[23/04] crappyjest have appointed us on behalf of hbos visa/mastercard so they don't know if its a visa or mastercard?
TAKE NOTICE THAT unless this account is paid in full or a satisfactory proposal for settlement is received by 07 may 13, court proceedings MAY be issued against you without further notice.
they go on to say that if they issue proceedings they will add court costs of £85. and solicitors costs of £80 and if judgement is obtained against me It will result in further costs and fees being added.
I am to contact crappyjest without delay to make payment, or if I wish to discuss the matter.
now as today has been a really crappy one I am in the mood to phone and tell them to GFY, but realize a paper trail must be kept. so I will send the threat-o-gram template and point out they have not replied to my letter of the 5th april.
3/5 letter sent to carpyjest
09/05. letter from CQ they are sorry I am dissatisfied with their service,and will be conducting a through investigation into the issues I have raised. and will contact me with the outcome of their investigation. they enclose a copy of their internal complaints procedure
11/05 letter from crapjest stating they have been in touch with BOS and have been informed by BOS that my complaint (missing PT letter) had been dealt with and responded to in their letter of 27/12/2012 they kindly enclosed a copy of the said letter this is a letter I never received
they say that I was informed that the documents provided to me by HBOS comply with all requirements under the CCA and that if i was unhappy i could refer my complaint to the FOS within 6 months of the date of the letter.
they go on to say that in my letter i stated that they had chosen not to deal with my dispute, but they have not received any other correspondence from me regarding this dispute only my letter of complaint so are unable to assist me further , however if I could send proof of my request for documentation they will be happy to investigate the matter further. due to that fact they are unable to find any issue with the way they have dealt with my account as they have no record of receiving my request for documentation under the CCA 1974. if I am not satisfied i can refer my complaint to the FOS blah blah blah
now back to the missing letter of december2012
letter dated 27/12/2012 from bos,they point out that I was sent a letter in Nov 2012 which contained the documents I requested and told me how they had complied with the CCA 1974
'In summary, to comply with section 78, the copy does not have to be a copy with the customers signature on it. We do not have to produce an actual copy of the document signed. the purpose of section 78 is to allow debtors access to the terms and conditions of their credit agreement and by providing the debtor with a true copy of the terms and conditions we have complied with section 78.In addition, although not required under s78 we also provided a copy of the original signed agreement. we will not be providing any other documentation, as we have fulfilled your request.

they continue to state that the documents sent comply with s78 and the copy agreement contains all the prescribed terms, names and addresses of all parties, a description of how the credit limit will be calculated and all the original T&C . It does not show the signitures of both parties as this element is specifically excluded from being required by regulation 3(2)(b) of the consumer credit(Cancellation Notices and copies of Documents) Regulations 1983.
If i am unhappy I can refer to FOS within 6 months they enclose their leaflet that explains about the FOS services and their contact details they didn't
OK what they sent me was :
a copy of the signed agreement no T&C on it
a copy of current terms with the signature box and your right to cancel. somewhere in the middle of the T&C. the interest rate is 13.9 and default sum is £12
and the covering letter states "Please find enclosed a copy of the original signed agreement which prove a valid signature The prescribed terms of the agreement would have been validly incorporated into the agreement on the reverse of the enclosed sheet or a separate attached sheet


22/06 letter from crapjest(19/06) they say that following previous correspondence and in order to bring this matter to a satisfactory conclusion their client, HBOS has requested them to contact me to advise that a settlement figure is now available for my visa/mastercard account. to take advantage i must contact them on 0333....... by 28th june
if an agreement is reached to settle with a reduced payment, once it has been received and cleared they will close my account and my credit file will be updated to show that the balance has been satisfied with a special flag of partial settlement. they can piss off if no contact is received by the above date they reserve the right to withdraw this offer.
well they must of withdrawn the offer
29/07 letter from BOS dated 25th As we haven't been able to agree a suitable repayment plan they have transferred account to Wescot Credit Services Ltd, they've instructed Wescot to arrange collection of the outstanding amount. They want ME to contact Wescot asap to arrange to pay back the outstanding balance,

08/08 letter from Wetcloths they have been asked to collect this debt

08/08 letter to wetcloths SWID

17/08 letter from wetcloths (15/08) account on hold while they contact their client.
22/08 letter from wetclots (20/08) they enclose a reply from Hbos and would like a payment from me. They have sent me a copy of the 27th, Dec letter, that Hbos say they sent (never received,to be honest I think they never sent it) which states partway through" in summary, to comply with section 78, the copy does not need to be a copy with the customers signature on it( but it was). we do not have to produce an actual copy of the document signed (but they did) The purpose of section78 is to allow debtors access to the terms and conditions of their credit agreement and by providing the debtor with a true copy of the terms and conditions of the agreement we have complied with section 78". but they haven't, there are no prescribed T&C on the copy they sent and the covering letter(s) state that the T&C would of been on the reverse or on a seperate sheet.
02/09 final Response UE CCA received letter sent to wetcloths
11/09 letter from Wetcloths, thanking me for my letter and acknowledging that I have raised a dispute on the account and that while they investigate the dispute the account is on hold,as it may take several weeks to contact their client and look into the dispute they thank me for my patience they can take as long as they like they will contact me when they have concluded their investigation, to advise me of the outcome and next steps

18/09 letter from wetcloths (13/9) They have contacted their client who has advised them that the account was opened on the 14th of Jan 1998 and they are not obliged to produce a copy of the application under the 1974 Consumer Credit Act, as the account is over 6 years old.they continue that they believe the dispute has now been resolved and want payment,
if I believe there is still a dispute I am to contact them with details within the next 14 days


14/10 missing PT sent to wetcloths

17/10 letter from wetcloths(14/10) as a final attempt to avoid further action, our client has agreed that we can offer you a discount to settle your account ,offer is for a limited period only I should contact wetcloths by 24/10 to agree a suitable settlement, telephone 0844xxxxxx
28/10 letter from Wetcloths, their client is still saying that because the account was opened in 1998 they are not obliged to produce a copy of the application if the account is older than 6years
04/11 letter from Wetsloths, the opportunity to take control of my outstanding balance, they would like to give me the opportunity to pay my outstanding balance by means of regular manageable instalments, which would give me the potential to improve my credit rating and increase my chance of obtaining future credit. Now why would I need to improve my chance of obtaining credit in the future, I only have one DF showing on my cfedit file and that falls off in Feb 2014, I have 2 accounts with K N Co with a joint credit limit of 19,000 so don't think I'm overly worried.
06/11 UE CCA [again] received letter going of today

04/12 letter from wetcloths [29/11] referring to my recent communication. Having contacted their client they have advised that the documentation supplied meets all regulations.Our client also advised that you have been provided with FOS details, if you wish to take this dispute further i can only assume these details were sent with the letter dated 27/12/12, which I never received, only caught sight of it in May when wetclots sent me a copy anyhooo wetcloths belive the dispute has now been resolved and the full balance or an agreed monthly payment is required by return
In the event I believe I still have a valid dispute, would I please contact them with the details within next 14 days you're darn tootin I will or account will be returned to recovery team
jan 2014
UE letter sent to wetcloths

July 2015

Letter received today from BOS ( dated 14/07/15) they have assigned the account to Lowell Portfolio 1 Ltd . they in turn have appointed Lowell Financial Ltd to manage.

shall I send another CCA request or a SWID ?

not quite sure which letter to send, it is in dispute as I have not had sight of the original T&C's, but it has been over 3 years since my original CCA request.

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

I only just noticed that the letter from Arrow saying account passed to Moorcroft says, Your OVERDRAFT has been passed to MC
I didn't have a bank account with M&S so how can it be an overdraft, this is the 'Reserve'account

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

forgot to say the important part at the bottom says

Please contact one of our fully trained advisors to discuss the arrears on your account .We would emphasise that if no satisfactory agreement is made with us you may leave us with no alternative but to recommence collection activity, where we may continue to contact you by letter and telephone, well that's ok then. (1)I don't answer the letters so they make their own reply's up (2) their numbers are blocked
Please would you contact us no later than 25/05/2015 think I may wait and see what happens next

[nanna58]

Re: Nightwatch & Hubbys Diary of debt

Come on its moorcroft,plonkers indeed x

[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 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
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

I haven't even written to them, so how can they have agreed to a repayment plan I havent made, or, how can I be in arrears for some thing no agreed? plonkers

[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

well someone is telling porky's, If wescot replied to my SWID letter in Jan why have they not enclosed a copy of the letter? How can Arrow reply to a letter I sent to M&S before they owned the account? plus Arrow never reply to any SWID letters I have sent they always pass it over to another DCA

[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 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
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

Dear Moorcroft
you have been unable to contact me because
1, your number is blocked
2, I have not responded to your last letter
3, I can't be ar*~d,
4, I do not have an account with arrow, I had an alledged account with another company, but I have never signed any agreement with arrow.
If you think I am mistaken ,please ask Arrow to send details of when and where this agreement was made with them,
I note from your letter you have an aim, may I congratulate you on that. There are many people nowadays that walk round aimless, lost and alone so I am so glad you have one, unfortunately I am unable to help you in this cause as I think your aim is a little high. You see I too have an aim,
my aim is to not pay this account unless I have to, and then at a reduced balance.
thank you for sharing
love hugs and kisses
NW

[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 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
30/03 letter from Moorcroft, My account details have been passed to them from Arrow, could I pay them please.

now Moorcrofts letter says my Arrow account has been passed to them, I never took out an account with Arrow, I only knew it was this account because of the amount owing.
I will wait for the next letter and see what comes.
I am very tempted to send a who the chuff is Arrow ? I never opened any account with Arrow! letter

[nanna58]

Re: Nightwatch & Hubbys Diary of debt

another one bites the dust

Hope it chokes um x