Nightwatch & Hubbys Diary of debt

[Pixie]

Re: Nightwatch & Hubbys Diary of debt

I would send that.

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Bos cc
start date 1998
owing £4800
defaulted 2008
prorata payments to Blair oliver & scott up to date
12th april CCA sent
27/04 letter received from Blair ect..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

shall I send a reminder of the CCA request??

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

BOS (Blair Oliver Scott) don't litigate. I would sit tight....

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

BOS (Blair Oliver Scott) don't litigate. I would sit tight....

so I can Ignore the part of the letter that threatens 'doorstep visits and court action'?

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

so I can Ignore the part of the letter that threatens 'doorstep visits and court action'?

Ok so send off the threat of visit template but add a line at the start with "I'm still awaiting a formal response to my lawful s.78 request from April 2012"....

Might be best to do that on reflection but BOS won't litigate. They'll sell to 1st credit or the likes and let them sue

[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 deparetment if they find any i will be shocked
2, my account will be approved for recovery by way of a jugement/decree secured in my local court. my local court was shutdown in August
3, this debt will be transfered 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

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 peice 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

will send to Niddy, but I am assuming a missing PT letter will be sent

NIDDY says

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

will send to Niddy, but I am assuming a missing PT letter will be sent

copy sent to Niddy

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

will send to Niddy, but I am assuming a missing PT letter will be sent

NIDDY says

just updating

[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 dissapointed to note that they have not had a recent payment,if they don't hear from us by the 23rd may, any agreement we havehad 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 13/06/20 saying they have complied with the request inder 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 te 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 Ligitamate 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

updated

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Tsb trustcard/lloyds cc
still with OC
start date 1978
taken over by Lloyds 1982
ballance £5662.27
defaulted 2002
have just stopped payment as niddy says
26/04 letter from Ltsb "your repayments are in arrears and a payment of £12.00 is required" to avoid further action all payments should be made on the due date agreed.

29/05 Letter from Credit Security Ltd, re Lloyds Tsb, they have been instructed by our client to recover the outstanding debt

to clarify this account, we sent for a CCA,2010, we had back just T&C nothing to link it to the account, and a letter stating that as the account was so old they did'nt have to send a copy of the agreement, but we would have signed one and they will look.
sent a letter under CPUTR asking if they had an agreement or not, replied that we would have signed one and will send it when found, Final responce
SAR sent in the middle is a couple of emails sent to recoberys and back
1, out: client asks for agreement
2,rep: cannot be found, not req from central storage and recoverys as account before the system was started

11/06 letter from Credit security ltd(8/6), they cannot trace receipt of our reply to their recent letter thats coz i diddn't send one
they DEMAND that the sum stated be sent direct to their office IMMEDIATELY using the pay slip attached
failure to do so 'could' result in a DEBT COLLECTOR calling upon us, or the account being refered for legal action
they have still not stated if they have been assigned or sold this account
25/06 letter from Cred sec ltd, dated 22/06, " Dear Mr Nightwatch. You have chosen to disreguard our and our clients previous letters.so they noticed
we do not intend to remind you of your obligations to repay monies owed. then stop sending me letters
If we do not receive a payment and payment proposal within 7 days our DOORSTEP COLLECTOR will be instructed to call upon you for payment the last doorstep collector took it
If payment is not forthcoming we will refer the account to our client with a recommendation for LEGAL ACTION as stated in our previous letter.

letter dated 06/07 from credit security following their recent communication they are pleased to inform us that their client is willing to accept the dum of £4246.70 providing its paid by the 16/07, this will be accepted as partial payment in full and final settlement of the account and the credit file will be updated accordingly.

now to take advantage of this 25% reduction I only have to find £4246.50 (I have 20p) and have it at their office together with the attached slip at the bottom of the letter, no later than MONDAY 16/07/2012

letter dated 09/10/12 from Apex Credit Management,Re Lloyds TSB.it is still with CSL as far as i know? Their client is aware of the difficult financial circumstances that a number of their customers are currently experiencing. must be a lot of us not paying!
as a result they have been authorised to consider a discounted settlement figure against the debt and may be able to offer a substantial discount on the balance, wonder if its any better than the 25% CSL were offering? they would like to explore this option with us, new one on me BUT, it is only available for a period of 10 days from the date of the letter. pity i'm sure it will take me longer to explore my options
To confirm eligibility and take advantage of this enchanced opportunity to clear this debt,we are to contact them without delay, will have a think about that ???? errrrm NO

24/10 letter from apex,( 22/10/12) they are dissapointed that despite their efforts to contact (us twice a day by phone) we have failed to reach any agreement with them, they think we are simply avoiding paying this debt and they must therefore act in the best intrest of their client???
they apparently use !! External Data sources to profile our accounts and believe that you have the abillity to make payments on this account.
Consequently our account will be passed to their internal litigation team in order to consider the best course of action for recovery of the debt outstanding, This MAY include legal action to obtain a CCJ which we may then seek to enforce by way of a charging order or attachment to earnings application.
contact us to prevent further action on this account.WE can take control of our finanices by taking positive action.
will send Sold while in dispute on monday sent
01/11 letter from Apex (31/10)They are sorry to learn that we have had to raise concerns about the account, they will be conducting a thorough investigation into our concerns, When it is complete they will contact us again.
they enclosed a copy of their complaints procedure

17/11 rather long letter from Apex,So to condense it. Reply to sold in dispute letter. they have been in contact with their client who state, they have no record on their system of receiving a CCA request or the £1.00 fee, they have asked that we contact them with a copy of our CCA request and proof that they cashed the £1.00 fee. This was sent in 2010 and shows on a SAR asked for in 2011
they then waffle on about carey and Judge Wacksman stating that the debtor has a legitimate interest in seeing a copy of the agreement he signed, not in the sense of proof of execution, but as information
Under their complaints procedure this is their final responce and they have placed the account on hold for 28 days for us to contact Lloyds with the paperwork requested

I know that because of the age of the account they only have to send TC but in all of the replys to any request Lloyds state that we would have signed an agreement and they will send it when found. they have been looking since 2010

[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 dissapointed to note that they have not had a recent payment,if they don't hear from us by the 23rd may, any agreement we havehad 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 inder 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 te 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 Ligitamate 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 Buchanans to take responsibility of the account BCW will contact us in due course about the overdue amount on the account

M&S were late to tell us or BCW were quick off the mark, but have posted the sold while in dispute letter to BCW so will wait and see what happens

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

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


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

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

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

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

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

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

do I bother sending the missing PT letter or knowing its EN offer them £1 or wait for a reduced balance offer

[Deepie]

Re: Nightwatch & Hubbys Diary of debt

do I bother sending the missing PT letter or knowing its EN offer them £1 or wait for a reduced balance offer

I wouldn't offer anything just yet.........

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

re Lloyds TSB

I know that because of the age of the account they only have to send TC but in all of the replys to any request Lloyds state that we would have signed an agreement and they will send it when found. they have been looking since 2010

do I write to LLoyds with a copy of the CCA request, or just send a letter to Apex stating the CCA was requested in 2010 and Lloyds said they would send me a copy when found and that they would not reply to any further letters from me

[ScabHunter]

Re: Nightwatch & Hubbys Diary of debt

re Lloyds TSB

do I write to LLoyds with a copy of the CCA request, or just send a letter to Apex stating the CCA was requested in 2010 and Lloyds said they would send me a copy when found and that they would not reply to any further letters from me

I wouldn't. They received it in 2010 and have acknowledged receipt.

re Lloyds TSB

do I write to LLoyds with a copy of the CCA request, or just send a letter to Apex stating the CCA was requested in 2010 and Lloyds said they would send me a copy when found and that they would not reply to any further letters from me

That is what I would do.

It should also be pointed out that their "final response under their complaints procedure" is a total irrelevance as you have not submitted a formal complaint. Nowhere on the Account Sold in Dispute template does it mention anything about formal complaints.

SH