Nightwatch & Hubbys Diary of debt

[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

8/12 Statement of account from LLoyds but with Apex ref and address on it, showing the last payment in dec 2011, Will be sending letter to Apex monday, stating the CCA was requested in 2010 and it was responded to by Lloyds, who assured me that we would of signed an agreement, and said they would send me a copy when they find it . also pointing out that their final response is a pile off crap as I had not made a formal complaint to them.

11/12 letter sent to apex, pointing out that the cca request was sent in 2010 and lloyds responded to it,also pointed out that the reply from lloyds to my cputr letter said, that we would of signed an agreement and they will send it when found, i am still waiting,
21/12 letter from apex 19/12, they seem to be back-tracking a touch. they point out that lloyds are the legal owners and they are only acting under instruction from lloyds to recover the debt. as such they are dependant upon the quality of information supplied by lloyds
they reiterate that lloyds cannot find any request made by us nor can they locate having received the £1.00 fee.
they have re-refered the account back to lloyds to request they recall the account as they do not believe they can facilitate a mutually benificial arrangement on it
2013

27/04; letter with Lloyds TSB logo on posted on 25/04 but, it came in a robson way envelope and the address header on the letter is PO box 66, Rosyth ? when did the account move to Scotland
any way they go on to say;- As we havent been able to agree a suitable repayment plan, we have transferred your CC account to Robbers way they have been instructed to arrange collection of the outstanding amount WE are to contact RW asap to arrange to payback the outstanding balance cheeky boogars want us to do their job. they'll wait a long time,
1/05 letter from robbing ways(29/04) we have to pay them the outstanding balance without delay. If we do not pay or agree a repayment play they MAY advise their client to start court Proceedings, If a court considers our failure to pay to be due to neglect an order to pay may be made. they go on to list what May happen if we get an order to pay and we don't. they also point out that ' this account may continue to be a worry for us
letter sent to RW thanking them for their threatening letter of introduction and pointing out that the said account has been in dispute since 2011
14/05 letter from RW dated 13/05 headed Immediate action required, I am to call them without delay to pay by my card ? do they take Nectar points ? If we fail to pay further action MAY be taken to recover the amount due etc etc etc...
will ignore as they signed for my SWID letter yesterday
24/05 letter from robbingways(23/05) they would like us to note that ,they note our dispute/query we have raised. They will make all the necessary inquireies and let us know the outcome in due course. They will stop all collection activity for this account for now. If they can be of any further assistance we are to let them know do they do gardens or decorating free ?
6/6 letter from Robbing ways(3/6)In response to our recent contact, their client(lloyds) has advised them that require us to forward a copy of our CCA request to enable further investigation. they will hold our account for 14 days
will send letter pointing out CCa was sent in 2010 was replied to with, 'You would of signed an agreement and they will send it when found' as was the CPUTR letter, and that I am still waiting


Well set letter to robbing ways pointing out when CCA was sent and the reply received, also pointed out that the reply to my CPUTR was the same as the CCA request' you would of signed an agreement when we find it we will send it' and that I am STILL waiting for the copy of the "signed agreement" and I suggested that they found someone that could actually read and understand the contents of letters sent them.

22/08 letter from Robbersway.In resonse to your recent contact, our client has confirmed that the CCA request has been actioned and sent to you directly. we trust this resolves your query and we now require your offer of payment within 14 days.

Now as lloyds had no recolection of the original CCA request, It will be interesting to see what they send, last time it was just typed T&C with Hubbys name and this Address on( we weren't living here when he took out the card) and a sentance at the end of the letter stating he would of signed a CCA on taking out the card,as that is the banks policy, and a copy will be sent as soon as they find it.


Letter from RW Your account remains unpaid despite previous attempts to contact you blah blah blah, contact us to arrange an affordable repayment plan

23/09 letter from Robbersway(20/09) Your account is due to be passed to drysdenfx in the next 10 days, who will contact you to discuss repayment of this account and agree an affordable arrangement. To avoid this please contact us so we can discuss your current circumstances and agree an affordable repayment plan with you

14/10 read my last letter, no CCA received my position not changed, letter sent to RW

17/10 letter from DFX (14/10)they have been instructed by RW, they would like me to pay RW, I am to contact RW,no ruddy way
26/10 letter from dsfax they urge me to deal with this outstanding debt immediately by contacting their clients agent RW ? I thought RW were their client? shall ignore for now as RW not responded to my reminder letter
28/10 letter from RW account on hold

11/12 letter from lloyds.[09/12] they thank us for letting them know about the issue we have with our CC

they understand we believe that as they have been unable to provide a copy of your credit agreement they cannot enforce collection of this debt, and can see from their records that a copy has been requested on a number of occasions
for the avoidance of doubt, the CCA 1974 does not prohibit collection activity when an account is in dispute.Even if the agreement was unenforceable, which we dispute, this would only prevent the bank from seeking recovery of the debt through the court, it does not extinguish the legal effect of the contract. as such we will continue to to persue collection of the account balance
They accept that we have made many requests since that time for a copy of our agreement and they have let us down by not informing us that they are UNABLE to supply this and appologise for the inconvenience caused,
In an effort to put this right they woudls like to offer us £60, £10 for call costs+ £50 for the inconvenience caused
if we would like to accept this we are to CALL 0800xxxxxxx at our earliest convenience
they continue about contacting the FOS if we are unhappy now while we would like the £60 we do not want to call them so do you think we should accept it in writing and also ask them again to remove the AP markers and the 2nd default from the CRAs
Jan 2014 £60 received from Lloyds

20/02 statement of account received from Lloyds

26/07/14, letter from Lloyds,dated 18/07/14, they have assigned this debt to Cabot as of 24/06/14.NOA enclosed, Cabot have appointed Marlin to manage the the account,

so LLoyds have passed the debt to Cabot who are now the data controller, who have passed the leg work to marlin who have enclosed a letter of introduction dated 18/07/14 asking me to contact them in the next 5 days
08/08/14 letter from Marlin they have been passed the debt to recover and need to speak to us to arrange a repayment plan.We should contact them in the next 5 days to arrange to settle the outstanding debt, we are to phone them on 0333xxxxxxx or fill in the Statement of Means form on the reverse of the letter and send it back.
will send ue no CCA and copy of Lloyds letter saying so

or should I string them along with a SWID first

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Barclaycard (2)
CSL chasing
started 1999
ballance £3681.29
defaulted 2002 & 2010 I have written about this but they would not answer last letter in which i pointed out I had proof of 1st default
CCA 2010 they sent a small copy of T&C that they say would have been inforce at time of signing
SAR 2012 sent micofiche copy of agreement bur T&C are illegable and only details of this account.
have sent letter pointing out that I require all info held and an original legable copy of agreement

Default has been removed I contacted experian, with proof of the first default, after no joy from Barcs they said they would contact barcs and let me know the outcome,
still waiting for a reply from experian, but on checking file noticed the account had been removed altogether
08/08 CCA request sent (had to send another as hubby hadn't canceled the payments)
19/08 letter from CSL, until you send the fee we cannot process your request

19/08 letter to CSL, you have had the fee you cashed it on the 15/08 the same date as your letter was typed up. you will not be getting another I suggest your accounting dept has a whip round to replace it. the original request received by you on the 09/08 still stands you have until 23/08 to send CCA or this account is in default.
03/09 still waiting#
04/12 letter from berzeks [19/11] your Barclaycard account has now been passed to Allied International credit [uk] Ltd to manage the collection of the balance outstanding on your account.You should contact AIC as a matter of urgency on 0141xxxxxxx who will discuss with your proposals for repayment of the outstanding balance on your account.

now it's a pity they didn't send this letter a fortnight ago when AIC started calling me and then the person on the other end of the phone wouldn't have annoyed me so much that I swore at him!!

phone rings true call says" you have a call from" and a sneary up his own arse voice says " Mr SMITH" and chuckles, so I took the call "hello Mr Smith, how can I help you", am I speaking to Nightwatch? that depends which Mr Smith are you? pardon, which Mr Smith are you? why does that matter? so I can say if I'm nightwatch or not! are you totally stupid? no, but you think I am because you think I believe your name is Mr Smith, well you answered the phone, yes I did and I am also recording this conversation , you can't do that with out telling me first, are you recording this call? we may well be, good then you can play this back and try and understand what is being said, I do not recognize your number, so I haven't asked you to call. I Don't like unsolicited calls from any company so please put every thing in writing and send it to me, and remove any numbers you have from your dialing system, we will phone when we like until you speak to us, as you wish, but I have just spoken to you, and told you I wont again, now Pickle off and stop chuffing wasting my time you muppet.at which point I zapped him

20/12 letter from AIC [17/12] This account has been assigned to us from Barclaycard this means CSL have cocked up
We are unaware of any reason for the non payment and we encourage you to contact our office to resolve the outstanding matter in a timely manner they have been told I've not paid, and to try and get some money from me
If you are experienceing financial difficulty please call us as we are happy to discuss your situation and how we can help resolve we're not realy interested we just want to try and scare you into giving us your money, then we can have a good laugh as we talk about it in the pub later
10/01/2014 SWID letter sent
11/01/2014 letter from AIC dated 7th jan. they have been unable to come to an acceptable arrangement with me regarding the repayment of my outstanding balance.coz your not going to get one
This is MY last chance to work together with them think i'll pass, tho it was a difficult choice
It is in MY best interest to come to a mutually acceptable agreement, so please contact them on the number on the letter to discuss the matter further. or I can fill in and sign the enclosed IE form and send it back within 7 days along with an offer of payment.errrm NO
21/02 well AIC have phoned me every day this month lucky for me the truecall baffles them, but have sent off a telephone harassment letter, pointing out that in my January letter (SWID) to them that they signed for on the 13/01, it clearly states All Communication in writing only and that they are not to phone as I will log and record all calls, which WILL be used to make a complaint if nessesary

27/02 letter from AIC (24/02) thanking me for my recent letter and confirming that they will be conducting a through investigation into my concerns, Once it is compleated they will write to me again
they enclosed a copy of their internal complaints procedure, and end with a final line of.....
In the meantime,If you have any queries, please do not hesitate to contact me on the direct line number below??? my complaint was I wanted no telephone contact!!!!

28/02 letter from AIC they have upheld my complaint and have removed all phone numbers from their records. they have send me £50 for inconvenience caused

16/05 letter from Robson way, well it is typed onto a piece of paper with Barclaycard photocopied at the top, Your account has been passed to Robson way Ltd to manage the collection of the balance outstanding,
You should contact Robbers Way as a matter of urgency, they will discuss with you proposals for repayment of the balance outstanding on your account. at the moment I don't have any proposal to repay this OUTSTANDING account so won't bother to contact them
23/06 letter from RW they are authorised to negotiate repayment of the balance outstanding. please contact us to agree an affordable and sustainable repayment plan based upon your personal circumstances.

dear RW, my circumstances are as follows.
I am not allowed my own opinion on football, cannot dress myself with out my face coming into contact with the floor,door, bed, wall, as I dance around the bedroom with both legs down one trouser leg, often find I have my tshirt on inside out and back to front, normally after a few sherberts,
I am treated like a slave by my family, cooking, washing, cleaning, for up to half an hour a day at least,the rest of the day I am forced to go shopping, have a meal out, visit friends and relatives, natter with the people next door.
My life is appealing, sorry appalling, and now you come wading in with your bully boy tactics of being NICE, well thats it you've gone to far ,I am going to have to revert back to self medication, as the Dr has struck me off his list for free booze,
because of you Bargin booze are going to have a bumper year and I will be back on their staff party list for Christmas,
I hope your happy with yourselves
cheers
p.s. this account is in dispute as no CCA has been received, stop phoning as I wont answer, and my doorstep has been very naughty so is not allowed visitors for the foreseeable future. Ta Ta

01/08 letter from RW pleas contact us to get a reduced settlement figure, I can set up a DD or use a card to pay ho hum

may send SWID or may not will see how I feel later

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

i'm looking after a doggle next week,for a few weeks, could be fun. he may teach the OH a few new tricks, and I don't mean licking his bit's Cloggie!

[MrsD]

Re: Nightwatch & Hubbys Diary of debt

scotcall were one of the very few numpties that were daft enough to turn up at our door, guy could have gotten a medal for "running backwards down a drive juggling bits of paper" when he heard my wee doggle barking

[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 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
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 clame 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 persue the outstanding balance with in the context of our clients instruction and the legitamate 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 sympatetic 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 recomend 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 letterwith 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.

update

[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

8/12 Statement of account from LLoyds but with Apex ref and address on it, showing the last payment in dec 2011, Will be sending letter to Apex monday, stating the CCA was requested in 2010 and it was responded to by Lloyds, who assured me that we would of signed an agreement, and said they would send me a copy when they find it . also pointing out that their final response is a pile off crap as I had not made a formal complaint to them.

11/12 letter sent to apex, pointing out that the cca request was sent in 2010 and lloyds responded to it,also pointed out that the reply from lloyds to my cputr letter said, that we would of signed an agreement and they will send it when found, i am still waiting,
21/12 letter from apex 19/12, they seem to be back-tracking a touch. they point out that lloyds are the legal owners and they are only acting under instruction from lloyds to recover the debt. as such they are dependant upon the quality of information supplied by lloyds
they reiterate that lloyds cannot find any request made by us nor can they locate having received the £1.00 fee.
they have re-refered the account back to lloyds to request they recall the account as they do not believe they can facilitate a mutually benificial arrangement on it
2013

27/04; letter with Lloyds TSB logo on posted on 25/04 but, it came in a robson way envelope and the address header on the letter is PO box 66, Rosyth ? when did the account move to Scotland
any way they go on to say;- As we havent been able to agree a suitable repayment plan, we have transferred your CC account to Robbers way they have been instructed to arrange collection of the outstanding amount WE are to contact RW asap to arrange to payback the outstanding balance cheeky boogars want us to do their job. they'll wait a long time,
1/05 letter from robbing ways(29/04) we have to pay them the outstanding balance without delay. If we do not pay or agree a repayment play they MAY advise their client to start court Proceedings, If a court considers our failure to pay to be due to neglect an order to pay may be made. they go on to list what May happen if we get an order to pay and we don't. they also point out that ' this account may continue to be a worry for us
letter sent to RW thanking them for their threatening letter of introduction and pointing out that the said account has been in dispute since 2011
14/05 letter from RW dated 13/05 headed Immediate action required, I am to call them without delay to pay by my card ? do they take Nectar points ? If we fail to pay further action MAY be taken to recover the amount due etc etc etc...
will ignore as they signed for my SWID letter yesterday
24/05 letter from robbingways(23/05) they would like us to note that ,they note our dispute/query we have raised. They will make all the necessary inquireies and let us know the outcome in due course. They will stop all collection activity for this account for now. If they can be of any further assistance we are to let them know do they do gardens or decorating free ?
6/6 letter from Robbing ways(3/6)In response to our recent contact, their client(lloyds) has advised them that require us to forward a copy of our CCA request to enable further investigation. they will hold our account for 14 days
will send letter pointing out CCa was sent in 2010 was replied to with, 'You would of signed an agreement and they will send it when found' as was the CPUTR letter, and that I am still waiting


Well set letter to robbing ways pointing out when CCA was sent and the reply received, also pointed out that the reply to my CPUTR was the same as the CCA request' you would of signed an agreement when we find it we will send it' and that I am STILL waiting for the copy of the "signed agreement" and I suggested that they found someone that could actually read and understand the contents of letters sent them.

22/08 letter from Robbersway.In resonse to your recent contact, our client has confirmed that the CCA request has been actioned and sent to you directly. we trust this resolves your query and we now require your offer of payment within 14 days.

Now as lloyds had no recolection of the original CCA request, It will be interesting to see what they send, last time it was just typed T&C with Hubbys name and this Address on( we weren't living here when he took out the card) and a sentance at the end of the letter stating he would of signed a CCA on taking out the card,as that is the banks policy, and a copy will be sent as soon as they find it.


Letter from RW Your account remains unpaid despite previous attempts to contact you blah blah blah, contact us to arrange an affordable repayment plan

23/09 letter from Robbersway(20/09) Your account is due to be passed to drysdenfx in the next 10 days, who will contact you to discuss repayment of this account and agree an affordable arrangement. To avoid this please contact us so we can discuss your current circumstances and agree an affordable repayment plan with you

14/10 read my last letter, no CCA received my position not changed, letter sent to RW

17/10 letter from DFX (14/10)they have been instructed by RW, they would like me to pay RW, I am to contact RW,no ruddy way
26/10 letter from dsfax they urge me to deal with this outstanding debt immediately by contacting their clients agent RW ? I thought RW were their client? shall ignore for now as RW not responded to my reminder letter
28/10 letter from RW account on hold

11/12 letter from lloyds.[09/12] they thank us for letting them know about the issue we have with our CC

they understand we believe that as they have been unable to provide a copy of your credit agreement they cannot enforce collection of this debt, and can see from their records that a copy has been requested on a number of occasions
for the avoidance of doubt, the CCA 1974 does not prohibit collection activity when an account is in dispute.Even if the agreement was unenforceable, which we dispute, this would only prevent the bank from seeking recovery of the debt through the court, it does not extinguish the legal effect of the contract. as such we will continue to to persue collection of the account balance
They accept that we have made many requests since that time for a copy of our agreement and they have let us down by not informing us that they are UNABLE to supply this and appologise for the inconvenience caused,
In an effort to put this right they woudls like to offer us £60, £10 for call costs+ £50 for the inconvenience caused
if we would like to accept this we are to CALL 0800xxxxxxx at our earliest convenience
they continue about contacting the FOS if we are unhappy now while we would like the £60 we do not want to call them so do you think we should accept it in writing and also ask them again to remove the AP markers and the 2nd default from the CRAs
Jan 2014 £60 received from Lloyds

20/02 statement of account received from Lloyds

26/07/14, letter from Lloyds,dated 18/07/14, they have assigned this debt to Cabot as of 24/06/14.NOA enclosed, Cabot have appointed Marlin to manage the the account,

so LLoyds have passed the debt to Cabot who are now the data controller, who have passed the leg work to marlin who have enclosed a letter of introduction dated 18/07/14 asking me to contact them in the next 5 days

letter dated 18th, rec 26th think my 5 days are up, will send swid or copy of letter saying they are unable to supply CCA, what to do, what to do, i'll go and have a cuppa

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Nationwide cc
still with OC
start date 1998
balance£8,254.44
Defaulted April 2007
prorata payments up to date
His Nidship has deemed this thanks Niddy

27/1/12. letter rec offering part settlement if i pay 25% in 14 days, will not have to pay the rest but will only report part settleed to CRA.don't think so!!
08/2013 Don't all shout at me but realised I never sent for the CCA on this last year, nor did hubby stop the payments from his account. have done now
CCA received and sent to His Niddyship but am thinking a missing T&C is in order
all that they sent was, 2 photocopy's of a signed DD mandate dated 25/08/98 + 09/09/98, copy of signed application [think this was a flyer] with no T+C visible, leaflet of recent T+C

02/09 missing prescribed terms letter sent

09/09 letter from NCCS (05/09) in reply to my Missing PT+C, they say they have provided me with all the information relating to this account in there letter of the 20/08, and they are unable to supply me with any further information.
I have provided them with no legal basis for disputing the amount owed in respect of the account and they are not willing to engage any longer in protracted correspondence with me. If i fail to make payments to the account Nationwide will enforce the debt in accordance with the Terms and conditions of the account ( will this be the original T+C that they have not sent) I am to note that if I do not make the required payments and it becomes necessary for them to commence Court proceedings to recover the debt, they will seek costs of doing this from me. They recommend i seek advice from a firm of solicitors or CAB

04/11 Letter from K.P.R. threatening hell and high water if I don't pay Formal Demand for Payment in big bold capital letters will hide until nasty person stops shouting NW collections has passed my account to them,it is important that the debt is repaid so please call 0845xxxxxx within 7 days cutting it fine letter is dated 29/10 NW is now considering taking legal proceedings to obtain a court judgement or decree against you.
they go on to say costs would be added and that NW or one of its agents would look to enforce by one of the following options
Charging order jointly owned so only a restriction
warrant of execution will supply my own gallows
Attachment of earnings I can be unemployed at any time
Alternatively, your account may be referred to a specialist external DCA now your talking


06/11 threat of litigation letter sent
21/11 letter from nwide[18/11]they are sorry i have an issue with my cc account and thank me for telling them, they are investigating my concerns and hope to be in a position to issue their responce by 6/12, if not they will contact me to let me know, they enclose a how to complain leaflet
11/12 letter from natwide [06/12]Dear Nightwatch, you may recall I wrote to you on 18/11/2013 promising to look into the difficulties you experienced with your. /??????
My investigations are taking a little longer than anticipated because. ????????
Thank you for your patience, I should be able to send you a final response by 30/12/1899. ????

02/01/2014, letter from Nationwide [24/12/13] they thank me for my response to their letter of the 5/9/13 [missing PT]
from my most recent correspondence he is aware that i feel the debt which is currently on my CC account is UE, He can confirm that the information I requested has been sent to me which is a true reflection of my account.

He also notes that I requested them to send a photo copy of the signed CCA.When any documentation is received regarding an account they are scanned on to our electronic server, The copy sent to me previously would be the same as a photo copy of the original as per my request.
As outlined in our previous letter I have the right to refer my complaint to the FOS, should I wish to I have till the 20th Feb 2014, which is 6 months to the date of our previous final response letter. A Smith

13/01/14 letter from KPR[07/01] DISCOUNT ON OUTSTANDING BALANCE WITHOUT PREJUDICE
We are able to offer you the opportunity to settle the debt by paying a significantly reduced one off discounted sum 50p ?
The benefits to you of doing this are:
Nationwide or one of it's agents will not make a claim for a court judgment or decree against you
Legal costs will not be added to the outstanding debt
It will greatly improve your chances of obtaining future credit as we will update your credit file to reflect our amicable agreement don't want it updating, it's not showing on my credit file
Your account will be closed and the remaining balance written off
To take advantage of this offer please phone xxxxxxxto discuss what discount is available, this offer will remain open for 7 DAYS 0nly. If the debt remains outstanding you will receive a Final Notice demanding payment of the full balance why is it always 7 days, only gives me till tomorrow

25/01 letter from KPR dated 21st, FINAL NOTICE,

we recently advised you of our involvement in the recovery of your debt [jan 2012]
you failed to take the action requested in our previous correspondence

Your debt has now become a priority case and I cannot allow this to continue
You must call me within the next 7 days with an acceptable offer to repay the outstanding balance
If you do no not I will refer your account to a debt collection agency to pursue you for this outstanding debt, wonder if she has a whip??

22/02, undated letter from Nationwide,Management of your account will now be carried out on our behalf by............Fredrickson International Ltd
You will need to ensure all communications are made directly with them in the future, Will await the begging letter from Freds
07/03 have received the YOU MUST CONTACT US NOW ON 0845 xxxxxxx letter from freds, decided to wait for the next letter from freds

13/03, letter from freds dated 11/03/14, Freds have decided to go in for the kill as they have sent a LBA and they want the money IN FULL with in the next 7 days otherwise they will take IMMEDIATE ACTION, i quote
"There remains a balance outstanding on this acount and legal action is now being considered. Should it be necessary to issue proceedings in the county court (or Sheriffs Court) further additional costs will be added to the outstanding balance, they go on to list costs, and if a judgement or Decree is obtained and remains unsatisfied a bailiff or sheriff officer may be instructed to recover assets to discharge the outstanding debt, do they not have to go to court and win first?
they continue, A judgement debt or Decree against you would seriously affect your ability to obtain credit in the future.
for your convenience we offer a variety of ways to pay see reverse of letter or go to fredpay.com

well the cheeky boogars have just put a new default on my credit file the original only came off in may last year!!

21/03/14 Freds have put the account on hold while they contact 'their client' and will get back to me
28/03letter to Nationwide, telling them to remove the default registered with the CRAs as they had already defaulted the account and it had only just fallen off in April/May of 2013, they were to treat the letter as a formal complaint
29/04 letter to nationwide complaining about my Ignored Formal complaint
15/05 reply to my complaint, dated 09/05, they are sorry I have had to complain, they are looking into it and should be able to give me a reply by 22/05/2014
17/05 letter from Nwide (14/05) they are investigating my concerns and will be in a position to issue a response by June 4th 2014 well at least that's THIS century
30/05 letter from Nwide (28/05) from Mr A D,
Dear Mrs nightwatch, I am writing regarding your recent complaint with Nationwide regarding your credit card. In order to fully investigate your account and your concerns I need You to contact me using the above details in order to discuss the outstanding balance and your intention to clear the debt
once you contact me I hope to be in a position to issue our final response by 4 june 2014
05/07 letter received they are removing the 2nd DN and would like to send me £150 quid, If I would like to discuss repayment of the account I am to contact Fredriksons, I have already had confirmation that this DN HAS been removed from Experianwho also apologised fornot getting back to me sooner

quick update will wait for Freds next letter now

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Barclaycard (2)
CSL chasing
started 1999
ballance £3681.29
defaulted 2002 & 2010 I have written about this but they would not answer last letter in which i pointed out I had proof of 1st default
CCA 2010 they sent a small copy of T&C that they say would have been inforce at time of signing
SAR 2012 sent micofiche copy of agreement bur T&C are illegable and only details of this account.
have sent letter pointing out that I require all info held and an original legable copy of agreement

Default has been removed I contacted experian, with proof of the first default, after no joy from Barcs they said they would contact barcs and let me know the outcome,
still waiting for a reply from experian, but on checking file noticed the account had been removed altogether
08/08 CCA request sent (had to send another as hubby hadn't canceled the payments)
19/08 letter from CSL, until you send the fee we cannot process your request

19/08 letter to CSL, you have had the fee you cashed it on the 15/08 the same date as your letter was typed up. you will not be getting another I suggest your accounting dept has a whip round to replace it. the original request received by you on the 09/08 still stands you have until 23/08 to send CCA or this account is in default.
03/09 still waiting#
04/12 letter from berzeks [19/11] your Barclaycard account has now been passed to Allied International credit [uk] Ltd to manage the collection of the balance outstanding on your account.You should contact AIC as a matter of urgency on 0141xxxxxxx who will discuss with your proposals for repayment of the outstanding balance on your account.

now it's a pity they didn't send this letter a fortnight ago when AIC started calling me and then the person on the other end of the phone wouldn't have annoyed me so much that I swore at him!!

phone rings true call says" you have a call from" and a sneary up his own arse voice says " Mr SMITH" and chuckles, so I took the call "hello Mr Smith, how can I help you", am I speaking to Nightwatch? that depends which Mr Smith are you? pardon, which Mr Smith are you? why does that matter? so I can say if I'm nightwatch or not! are you totally stupid? no, but you think I am because you think I believe your name is Mr Smith, well you answered the phone, yes I did and I am also recording this conversation , you can't do that with out telling me first, are you recording this call? we may well be, good then you can play this back and try and understand what is being said, I do not recognize your number, so I haven't asked you to call. I Don't like unsolicited calls from any company so please put every thing in writing and send it to me, and remove any numbers you have from your dialing system, we will phone when we like until you speak to us, as you wish, but I have just spoken to you, and told you I wont again, now Pickle off and stop chuffing wasting my time you muppet.at which point I zapped him

20/12 letter from AIC [17/12] This account has been assigned to us from Barclaycard this means CSL have cocked up
We are unaware of any reason for the non payment and we encourage you to contact our office to resolve the outstanding matter in a timely manner they have been told I've not paid, and to try and get some money from me
If you are experienceing financial difficulty please call us as we are happy to discuss your situation and how we can help resolve we're not realy interested we just want to try and scare you into giving us your money, then we can have a good laugh as we talk about it in the pub later
10/01/2014 SWID letter sent
11/01/2014 letter from AIC dated 7th jan. they have been unable to come to an acceptable arrangement with me regarding the repayment of my outstanding balance.coz your not going to get one
This is MY last chance to work together with them think i'll pass, tho it was a difficult choice
It is in MY best interest to come to a mutually acceptable agreement, so please contact them on the number on the letter to discuss the matter further. or I can fill in and sign the enclosed IE form and send it back within 7 days along with an offer of payment.errrm NO
21/02 well AIC have phoned me every day this month lucky for me the truecall baffles them, but have sent off a telephone harassment letter, pointing out that in my January letter (SWID) to them that they signed for on the 13/01, it clearly states All Communication in writing only and that they are not to phone as I will log and record all calls, which WILL be used to make a complaint if nessesary

27/02 letter from AIC (24/02) thanking me for my recent letter and confirming that they will be conducting a through investigation into my concerns, Once it is compleated they will write to me again
they enclosed a copy of their internal complaints procedure, and end with a final line of.....
In the meantime,If you have any queries, please do not hesitate to contact me on the direct line number below??? my complaint was I wanted no telephone contact!!!!

28/02 letter from AIC they have upheld my complaint and have removed all phone numbers from their records. they have send me £50 for inconvenience caused

16/05 letter from Robson way, well it is typed onto a piece of paper with Barclaycard photocopied at the top, Your account has been passed to Robson way Ltd to manage the collection of the balance outstanding,
You should contact Robbers Way as a matter of urgency, they will discuss with you proposals for repayment of the balance outstanding on your account. at the moment I don't have any proposal to repay this OUTSTANDING account so won't bother to contact them
23/06 letter from RW they are authorised to negotiate repayment of the balance outstanding. please contact us to agree an affordable and sustainable repayment plan based upon your personal circumstances.

dear RW, my circumstances are as follows.
I am not allowed my own opinion on football, cannot dress myself with out my face coming into contact with the floor,door, bed, wall, as I dance around the bedroom with both legs down one trouser leg, often find I have my tshirt on inside out and back to front, normally after a few sherberts,
I am treated like a slave by my family, cooking, washing, cleaning, for up to half an hour a day at least,the rest of the day I am forced to go shopping, have a meal out, visit friends and relatives, natter with the people next door.
My life is appealing, sorry appalling, and now you come wading in with your bully boy tactics of being NICE, well thats it you've gone to far ,I am going to have to revert back to self medication, as the Dr has struck me off his list for free booze,
because of you Bargin booze are going to have a bumper year and I will be back on their staff party list for Christmas,
I hope your happy with yourselves
cheers
p.s. this account is in dispute as no CCA has been received, stop phoning as I wont answer, and my doorstep has been very naughty so is not allowed visitors for the foreseeable future. Ta Ta

will send SWID tomorrow, or at least by Friday

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

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

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

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

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

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

01/09/12 letter from Triton Credit Services dated 23/08. Lombard bank has placed your account with us for Immediate collection,
To avoid further action I am requested to forward a Cheque for the full amount by return, If I am unable to make this payment by return I am asked to telephone the office immediately by return of what? is Triton not part of RBS?
sold in dispute letter sent to triton
8/9/12 letter from Lombard dated 5/9 they return my CCA request AGAIN(stamped as received 28/9/12) as they require a signature,

21/09 letter from triton(17/09) Notice of legal proceedings, they remain very disappointed that I have failed to settle the debt or make satisfactory repayment proposals
they have now recommended to Lombard that solicitors should be instructed to commence court proceedings against me for the recovery of the debt
they appear to have ignored my "sold in dispute letter" and the fact that Lombard have refused to send my CCA 5 times,
I'm sure a court will be happy to listen to why they have refused, when a signature is not needed, and why they have never answered any questions asked in subsiquent letters to them.

26/09 letter from Triton dated 21/09, they refer to my recent correspondence sold in dispute letter
in view of the nature of my request they will be discussing my account with lombard, who will contact me in due course

The information provided on my financial statement has not been fully completed. errmm I haven't sent them one
In order for them to consider my financial statement can I provide my proposals for the above account ermm my proposal is that untill i receive a Valid CCA from lombard you can whistle
they trust this clarifies the situation for me and await my response It's as clear as mud

13/10 letter from Loonybard.(09/10) it is AGAIN the same template letter stating that they require my signature, but I can't sign it because:-

this time they have kept the original request and the fee, and have returned a copy of my 'Sold in Dispute letter' that was digitally signed. they just get more imposable to understand

02/11, letter from Green & Co Solicitors(29/10) they are instructed by their client, Try it on, who are instructed by, loony barn bank, in connection to my Liability.
despite a formal demand for repayment this account remains unpaid and they are likely to be instructed to commence court proceedings against me, without further notice
HOWEVER i have one final opportunity to make payment of the above amount within the next 7 days, Che ques should be made payable to Try-it-on and sent to the address given,
should their client not receive payment or acceptable payment proposals within 7 days, they are then likely to be to be instructed to commence court proceedings against me on their clients behalf
23/11 letter from Green & co account referred back to Tri-it -on
30/11 letter from Lombard, dated 26th. as they have been unable to contact me or agree a suitable repayment plan they have passed all my account details to Allied international Credit(uk) to act as a collection agent, they should be in contact with me in the next 14 days to discuss my repayment options in detail. now why would they think I am suddenly going to start paying Allied if they can't get anything out of me? and my payment options would be " you send my CCA, and we will discuss from there!
15/12/12 letter from AIC (10/12) they have been passed my details by Lombard to act as collecting agents for my account, whoopy doo

they have a flexible approach to to repaying my account, If i am in financial difficulty their staff are FULLY TRAINED to assist me with my current situation, and have a range of options to help How wonderful
they will be in contact with me in the next 7 days by letter/and or phone to discuss my payment options in detail, or i could phone them.
sold in dispute letter sent 18/12
21/01/13 letter from AIC we have not heard from you
26/01 in dispute letter sent pointing out no CCA has ever been received , even though I had pointed this fact out to Tryton, Green & Co, also will not discuss over phone written communication only.

06/02 letter from AIC dated JANUARY 21 2013 , we have been unable to come to an acceptable agreement
16/02 letter from AIC(11/02) Early settlement offer, as my account remains unpaid they are reviewing my file to consider if further action is warranted,
at this point there is an offer on my account that would allow me to settle the outstanding balance with a discounted value, this payment can be made in upto 4 monthly instalments.I am to contact them for for the details,
If I am unable to meet the agreed settlement I must not hesitate to call and discuss my account where they would be happy to arrange a repayment option based on my current circumstances
6/6 letter from Lombard (29/5) they have now passed my account details to Fredickson International ltd, to act as their new collection agent, any queries about my account should now be addressed to them. Freds will be in contact during the next 14 days BY LETTER to discuss my repayment options in detail. no CCA no discussion sorted
19/06 letter from freds (17/06)a polite letter from them saying they have been appointed by loonybarns to act as collection agents for my account, they have a wide range of options to suit a wide range of individual circumstances and believe that if I have not found a suitable repayment plan before they are sure they can help this time doubt it!!
1/07 letter from freds (28/'06) they have failed to receive a satisfactory response from me to their recent letter,could be coz I didn't send one ? to avoid any further debt recovery action I am to contact them within the next 7 days, i am rather busy this week!
08/07 yellow card dated 04/07 from freds confirming that I live at this address. and saying I haven't responded to recent correspondence gosh they are eager! I am to phone them NOW or my account may be passed to solicitors with aurtorisation to proceed with litigation proceedings against me at this address in their last letter they gave me 7 days to respond which I only received on the 1st so they only gave me 3 days and they included Sunday, they don't open Sundays
18/07/13 SWID letter sent
18/07/13 letter from #cry an barter# dated 15th freds have asked them to contact me, as they have failed to receive a satisfactory response from me regarding payment of my account.that's coz I havent sent one, they ramble on about contacting freds to set up an arrangement or make full payment don't think so! then the line further debt recovery action MAY be taken if i don't make contact.

24/07. Letter from Freds, They thank me for my letter requesting documentation. they cannot provide it, but I can request it from their client, and they give me the address of RBS Southend.In the meantime I am to confirm how I intend to discharge the outstanding balance. The letter i sent was a Sold while in dispute letter, which as you all know points out that a CCA was requested and not complied with.
29/07. letter sent to freds pointing out that CCA was requested last year and could they please read the letter i sent them on the 18th
10/08 letter from Freds they have referred the matter to their clients and will contact me when they are in receipt of instructions, they have placed the account on hold.
25/09 message left on truecall. message for Mrs NW please call fredric.......... just had a letter from tesco saying that account has been passed to freds so the call may have been for that


25/09 letter from freds, Dispite a recent letter from lying smarter solicitors you have failed to discharge your debt with our client, we are prepared to offer you one final opportunity to pay before recommending to our client that further debt recovery action be taken against you. at this late stage as a gesture of goodwill, we are prepared to accept a full and final settlement on this account provided you contact us on 08458888888 straight away


20/12 letter from wescot they are acting on behalf of ROYAL BANK OF SCOTLAND I am to read both sides of the letter follow the instructions and contact them urgently.to avoid them taking further action i should pay the debt in full on line or by post, or contact them by phone.If I don't it will result in them taking further action to recover the debt

02/01/2014 letter form wetcloths 28/12/13. Reminder Notice. their latest enquires have now confirmed that I am still resident at this address but they have not received a reply to our previous correspondence. Uless I contact them to agree repayment of 2,933.05 within the next 10 days, further debt recovery activity will be taken to recover the full outstanding balance
please do not ignore this letter as this could result in further action being taken to recover the debt
09/01 letter from wetcloths[07/01] Reduced settlement offer. as a final attempt to avoid further action their client has agreed that they can offer me a discount to settle my account, to take advantage I should contact them by 17/01/2014 or the offer will be withdrawn and further action will continue. I MUST phone them.
If I cannot take advantage of this offer they will still consider a REALISTIC repayment plan and I should contact them urgently to discuss my options. Unless a suitable repayment plan is inplace in 10 days of the date of this letter, further recovery action will be taken.
11/1 SWID letter sent
24/01 letter from wetcloths dated 21/01 account on hold
29/01. letter from wetcloths [27/01] they have contacted their client who has told them they have perviously written to me asking me to sign my CCA request [ they enclose a copy of a letter sent in October2012 ]
now this letter asked me to sign my s78 request but I couldn't because they had kept the request and fee and sent back a copy of the letter in which I stated that as i was not requesting documentation under the DPA then no siggy was needed
they continue along the lines of this dispute is now resolved and could they have a payment or payment proposals by return

27/02 letter from wescot (21/02) asking me to explain why I am not paying and to set up a repayment plan. no CCA simples
they set out the benefits of setting up such a plan
and end with the unforgettable line "this debt will not go away, now is the time to act" friends romans, countrymen leand me your shears.. not that type of acting???
Contact us on xxxxxxxxxxx and talk to one of our dispicable, sorry 'dedicated' operators to help you make a fresh start. what part of ALL COMMUNICATION TO BE IN WRITING do they not understand?
10/03, letter to Wescot,pointing out the account is UE coz i've had no CCA, I enclosed a copy of the original CCA request, copy of I do not need to sign letter, and a copy of the stop taking the piss letter.
29/03, letter from Lombard [26/03] in a nut shell. they, under stand i have made a request under s78 of the CCA and explain what they have to do,
they then tell me that they are unable to deal with the request coz i've not, signed the request and they require the primary cardholders signature for them to satisfy themselves of the identity under the data protection act.
they say they have returned the request so that I can provide them with the information required
they have sent me back copys of the following
1, my letter of the 10/3 sent to wescot, with not signed on it
2, my letter stating no signature required
3, my stop taking the piss letter, with not signed on it
the copy of the CCA request has been copied on to the back of page 1 of my letter to wecot and page 2 of no signature required letter so how am I supposed to sign it???????
28/04 letter from wescot dated 25/04 account on hold .....watch this space
19/06letter from wescot, they thank me for my patience and confirm they are awaiting further information from their client, they will be in touch in due course , please take your time

will file and wait for the " our client wants your signature" letter

[IF]

Re: Nightwatch & Hubbys Diary of debt

This is my current position on Tesco's for those of you that may of wondered about it

You made I larf

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

This is my current position on Tesco's for those of you that may of wondered about it

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Tesco cc
start date 1999
balance £4730.11
defaulted 2003
prorata payments up to date OC/Morecroft/fredricksons/Wescot

12/04 CCA sent
03/05 letter received, dated 21/04, unable to deal with request as it is not signed. returned with 'no sig required' temp
19/05 letter from D Munn,(7/5) 'HE' is disappointed to note that I have failed to comply with 'OUR' agreement,unless 'HE' receives an immediate payment as arranged 'HE' will have no alternative but to place my account in the hands of an external DCA
7/6, letter from tesco, Legal and Estates,"further to my recent request, we enclose copy information held by Tesco Bank provided under the terms of the above act"
they have sent me the information as quoted under DPA 1998 ??
will email what I got to Niddy
missing PT letter will be sent 2mozz
after sending missing PT letter have just received the same stuff back but with some T&C but i cannot see any date on them so don't know if they are original or varied will send to Niddy for his opinion

His Niddyship says to ignore, wait and see what happen next
2013
31/01 letter from tesco dated 28/01, We are considering legal action to recover your debt, despite writing to you several times, you have still not paid off your credit card balance or made a repayment arrangement with us,we are now considering commencing court proceedings against you to recover this debt.
it then goes on to explain what this could mean and what may happen if i don't pay the CCJ 1, paid from employer. 2, charging order.
they would prefer to come to an arrangement to settle the debt and i am to call them immediately to discuss a repayment plan.
20/02 was going to send threat o gram template for last letter but forgot to post it (just found it in the car)
20/02, 2 letters received today both dated 15/02 from Tesco Collections, letter 1, wants me to contact them urgently to discuss my account.
letter 2,Tesco Recoveries, because of an absence of an acceptable repayment arrangement, and because i haven't contacted them, despite several attempts to discuss the matter, they will shortly commence further action against me with the assistance of DCA or Solicitors. To stop all action I am to make a payment NOW. If no payment or agreed repayment plan is received within 7 days, they will commence further action against you
22/02 letter sent cross between you have not sent me my CCA /unenforceable/threat-o gram it was received by them on the 23/02
11/03 [05/03] letter from Tesco recoveries,Important you must take action-call us today,despite previous correspondence and our repeated attempts to try and reach an arrangement with you, the debt still remains outstanding.
we will shortly have no alternative but to seek the assistance of a debt collection agency or, if appropriate, commence legal proceedings against you for the recovery of the debt.
I am to make an acceptable offer of repayment within the next 7 days
25/03 letter from Moroncroft (23/03) my account details have been passed to them from Tesco Bank,they are acting as collection agent for them, they will be in contact with me within the next 7 days by letter and/or phone to discuss my repayment options in detail, well tesco can't have a valid CCA, if they can't read and answer my last letter I'll just have to start the ride again
April
05/04 SWID letter sent to morons also pointed out all communication in writing only and that I do not give permission to anyone to visit my doorstep so dont try that one.
06/04 letter from moronics of possible further action if no contact is made by 12/04. I could contact them now and they would be happy to discuss a repayment program, they may also be able to offer a substantial discount off the outstanding balance.
19/04 letter from moronics thanking me for my recent letter and advising that they will be communicating with their client in respect of my raised query. follow up action will be suspended on my account and they will endeavor to provide me with an appropriate response as soon as possible No rush love, no rush.
04/05 letter from Morecomics [01/05] Tesco have told them that they completed an agreement request S78 on the 5th June 2012 and also on the 25th June 2012.
they also advise that the account is on a temporary hold to allow me time to receive this letter and contact them to discuss a payment arrangement I can afford and maintain, if contact is not made promptly, their follow up of the account will recommence. just to make clear. Tesco sent me a photo copy of the signed agreement and T&C dated 2012 but no original T&C and the covering letter said it was sent under the Data Protection Act 1998 , and when I sent the Missing PT letter they sent me the same 2 pages so how have they complied with my CCA request
UE CCA received letter sent to morcomics
17/05 letter from moronics(14/05) their clients believe that the documents sent do meet the requirements under s78 of the Consumer Credit Act.They go on to explain what may be omitted from the document and that there is no requirement to provide a signed 'Executed' copy of the agreement.
their client believe that the balance remains due and payable and they therefore require immediate payment of the said sum or my realistic proposals for repayment of the same within the next 14 days
21/05 letter from morecomics(20/5) to prevent further action I am to send my payment proposal before 27/05 or telephone them within the next 7 days sorry their last letter dated 14th states 14 days 14+14= 28, so they can wait
If i do not contact them following receipt of this letter they MAY have no alternative other than to recommend to their clients that they consider further debt recovery action against me deary me I'm quivering in my armchair. no PT, no compliant CCA. sorted
6/6 letter from Morecomics (3/6) as they have not received any communication from me with regards to my outstanding account, they feel that I may not be in a position to meet their request to clear the account in full.gosh they get have feelings
to prevent their recommendation to their client that further debt recovery action be considered they are prepared to accept payments of �120 a month,to take advantage of this offer I must,
contact them by phone err no
make payment by website erm No
send payment attached to letter and no again
if I do not reply I MAY leave them with no other option but to recommend to their client that they CONSIDER further debt recovery action against me
18/6 letter from Midas cs,(17/06) they are aware that i have not agreed a repayment for this debt with moronics. they are now reviewing the account prior to the possible recommending of further debt recovery action to their clients.Now are they talking about Tesco or morcomics being their client
they would remind me that unless we can agree a settlement of this account, the default which their client may have registered against my credit file will remain unchanged. are they using a default as a threat , cos the Tesco wouldn't remove it anyway To prevent possible further action I must contact Morecrap now.
04/07 letter from Morcronic (01.07) their records show I have not made any payments to them must have a newbie in accounts so my account has been passed to the next desk along Home collections Division, for action.So are they collecting home's now along with door steps? This may involve their local rep calling at my home in the near future,to establish how I intend to settle the balance outstanding.easy! you give me a valid CCA, I consider where we go from there
If I would prefer to agree a repayment arrangement or I believe there is an outstanding query on the account I must telephone no later than 08/07 i'm busy washing my hair
they would emphasis that if no satisfactory agreement is made they may have no alternative but to recommend to our client that they consider further debt recovery action they have been putting this last line in since may


27/07 letter from morecrap We are agents of Tesco Bank, Their records show that the above account has an outstanding balance, They have therefore asked us to contact the account holder to discuss the account and we have been provided this address by a credit reference agency that supply us with addresses links based on the information they hold.Please contact us to confirm the position and so that we can make the appropriate arrangements.
However if you believe that you are not the person responsible for the account, it is important you contact us immediately, either by telephone or letter. they told me that they were agents back in March, they have also told me how outstanding my balance is, but never sent me an award for it,and why have they found my address through a CRA when they have been writing to me and I have been replying? errr what position do I need to confirm ? If i write and tell them I'm deceased will they make funeral arrangements?

05/08 letter to morecrap pointing them back to my letter sent in may also asking what position I am to confirm,and why do they need to look me up when they have been sending letters containing confidential details since march, so it is a little late to find out if the correct person lives at this address .

12/08 letter from Morecrap (10/08) in capitals, Important information-possible further action. I am to contact them in the next 7 days, or send my payment proposal before 17th Aug, to prevent possible further debt recovery action, If i don't they may have no alternative than to recommend to their client that they consider possible further debt recovery action against me, they may be able to offer a substantial discount from the outstanding balance, Oh dear me, the newbie has done it again and sent me letters from the past.
17/08letter form Morecarp, account on hold while they contact their client

25/09 letter from Tesco, due to my failure to agree or maintain repayments towards this account, we have decided to pass the management of the account to one of our DCAs, fredrickson International Ltd, they will attempt to contact you within the next 10 days, to discuss your individual circumstances. their aim is to establish an affordable and sustainable repayment arrangement with you. Should I wish to contact them, the contact details are below
30/09 letter from Freds Hi nw you've not paid tesco, so we are sending you this threatening 1st letter so you will give us all your money OR ELSE Reply piss off
14/10 SWID letter sent to freds
24/10 letter from freds(17/10) they note the contents of my recent letter pity they didn't read it if I require documentation under the CCA1974 I may request this directly from their client with the fee of �1,00, I sent SWID,
I am to contact them with my payment proposals

12/11 letter from fred, In answer to my recent letter(read what I sent)Their client confirms that they complied with my s78 CCA request in June 2012 and sent me documents on the 5th and 25th of that month.
their client also advises that their legal department do not keep copies of what was sent.that's a bit daft, so how do they know what was sent complied with my request?? Should I require further copies I need to make my request again DIRECT to their client and enclose the £1.00 fee as they have complied with this request twice already.
Fred says they would be grateful if I would contact them with my payment proposal by 25th November if they do not hear from me collection activity MAY resume.
04/12 letter from freds [02/12] Dispite attemts to negotiate a settlement on this account, there is still no arrangement to pay in place to repay this debt, would I like to contact them ? NO!
19/12 letter from Freds[17/12] Dispite previous correspondence from them my debt remains outstanding,They are prepared to offer me an opportunity to pay before they pass it back to Tesco with a recommendation to take further action, they are prepared to accept a full and final settlement, provided i phone them on 0845xxxxxxx within 7 days of this letter and they offer a variety of ways to pay. Pity I don't like any of them
2014
Letter from Tesco, due to the fact I have not agreed to or maintained payments to this account, they have decided to pass it to one of THEIR DCA's and the winner is....WESCOT
funny thing is the letter is from Tesco on Tesco headed paper but the return address on the back is Huddersfield which is Wescots mail shot address, and the letter is unsigned, should I send it back with a complement slip asking for a signature??

29/03 letter from Wescot, again it tells me my balance is outstanding, and they have been instructed to collect the debt in full, blah.blah,blah
08/04,have sent SWID to wescot
10/04.letter from wescot, we know you live there you have not contacted us
01/05. letter from Wescot dated 28/04. Having contacted their client, they advised that they have complied with my request on 2 occasions,in 2012. therefore if I require another copy of the documents I must send another request along with the £1.00 fee.
Will send Missing PT to Wescot when I can be arsed

22/05 letter from wescot(17/05) as a final attempt to avoid further action their client has agreed that they(wescot) can offer me a discount to settle my account I have till 27/05 to agree a suitable settlement or the offer will be withdrawn and further action will continue to recover the full outstanding balance, phone us on xxxxx no mention of how much the discount is, and what part of I do not discuss anything over the phone in my SWID letter do they not understand. Oh yes all of it
If i can't take advantage of the offer they will still consider a realistic repayment plan and I should contact them as a matter of urgency to discuss my options
07/06 letter from wescot.Offering me the opportunity to take control of my outstanding balance. They understand there may be reasons for me not responding to them . I may feel that I am not in a position to start making an acceptable payment against my balance or that I don't know how best to manage my way through my current liability's
Blah, blah blah......This debt will not go away now is the best time to act contact us on the number above where one of out dictators, sorry dedicated operators will help me make a fresh start.
18/06 letter from 2F. Our enquiries indicate that you are resident at the above address no sh1t sherlock Despite previous attempts, we have not been able to contact you in relation to a matter we are dealing with on behalf of Tesco bank.
IT IS IMPORTANT YOU SPEAK WITH US DIRECTLY TO RESOLVE THIS ISSUE. CONTACT US ON 0844 XXXXXXX
reply :Dear 2F, FU. as you are part of Wescot you will know that I have requested no contact by phone, yet I can see by my call log that you have tried contacting me this way 6 times this month.I shall make this clear. This account is in dispute, No valid CCA has been received. this account is UE and will remain so unless a valid CCA is forthcoming. I will not be sending £1.00 fee for another CCA as the originasl request was not fullfilled. so I suggest you return this to the original creditor and ask them to send a compliant CCA, admit that they dont have one, or stop harrassing me . now piss off your turning my strawberrys and cream sour. NWplease note I may not send it in this format this is only my oppinion at this time .

update

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Nationwide cc
still with OC
start date 1998
balance£8,254.44
Defaulted April 2007
prorata payments up to date
His Nidship has deemed this thanks Niddy

27/1/12. letter rec offering part settlement if i pay 25% in 14 days, will not have to pay the rest but will only report part settleed to CRA.don't think so!!
08/2013 Don't all shout at me but realised I never sent for the CCA on this last year, nor did hubby stop the payments from his account. have done now
CCA received and sent to His Niddyship but am thinking a missing T&C is in order
all that they sent was, 2 photocopy's of a signed DD mandate dated 25/08/98 + 09/09/98, copy of signed application [think this was a flyer] with no T+C visible, leaflet of recent T+C

02/09 missing prescribed terms letter sent

09/09 letter from NCCS (05/09) in reply to my Missing PT+C, they say they have provided me with all the information relating to this account in there letter of the 20/08, and they are unable to supply me with any further information.
I have provided them with no legal basis for disputing the amount owed in respect of the account and they are not willing to engage any longer in protracted correspondence with me. If i fail to make payments to the account Nationwide will enforce the debt in accordance with the Terms and conditions of the account ( will this be the original T+C that they have not sent) I am to note that if I do not make the required payments and it becomes necessary for them to commence Court proceedings to recover the debt, they will seek costs of doing this from me. They recommend i seek advice from a firm of solicitors or CAB

04/11 Letter from K.P.R. threatening hell and high water if I don't pay Formal Demand for Payment in big bold capital letters will hide until nasty person stops shouting NW collections has passed my account to them,it is important that the debt is repaid so please call 0845xxxxxx within 7 days cutting it fine letter is dated 29/10 NW is now considering taking legal proceedings to obtain a court judgement or decree against you.
they go on to say costs would be added and that NW or one of its agents would look to enforce by one of the following options
Charging order jointly owned so only a restriction
warrant of execution will supply my own gallows
Attachment of earnings I can be unemployed at any time
Alternatively, your account may be referred to a specialist external DCA now your talking


06/11 threat of litigation letter sent
21/11 letter from nwide[18/11]they are sorry i have an issue with my cc account and thank me for telling them, they are investigating my concerns and hope to be in a position to issue their responce by 6/12, if not they will contact me to let me know, they enclose a how to complain leaflet
11/12 letter from natwide [06/12]Dear Nightwatch, you may recall I wrote to you on 18/11/2013 promising to look into the difficulties you experienced with your. /??????
My investigations are taking a little longer than anticipated because. ????????
Thank you for your patience, I should be able to send you a final response by 30/12/1899. ????

02/01/2014, letter from Nationwide [24/12/13] they thank me for my response to their letter of the 5/9/13 [missing PT]
from my most recent correspondence he is aware that i feel the debt which is currently on my CC account is UE, He can confirm that the information I requested has been sent to me which is a true reflection of my account.

He also notes that I requested them to send a photo copy of the signed CCA.When any documentation is received regarding an account they are scanned on to our electronic server, The copy sent to me previously would be the same as a photo copy of the original as per my request.
As outlined in our previous letter I have the right to refer my complaint to the FOS, should I wish to I have till the 20th Feb 2014, which is 6 months to the date of our previous final response letter. A Smith

13/01/14 letter from KPR[07/01] DISCOUNT ON OUTSTANDING BALANCE WITHOUT PREJUDICE
We are able to offer you the opportunity to settle the debt by paying a significantly reduced one off discounted sum 50p ?
The benefits to you of doing this are:
Nationwide or one of it's agents will not make a claim for a court judgment or decree against you
Legal costs will not be added to the outstanding debt
It will greatly improve your chances of obtaining future credit as we will update your credit file to reflect our amicable agreement don't want it updating, it's not showing on my credit file
Your account will be closed and the remaining balance written off
To take advantage of this offer please phone xxxxxxxto discuss what discount is available, this offer will remain open for 7 DAYS 0nly. If the debt remains outstanding you will receive a Final Notice demanding payment of the full balance why is it always 7 days, only gives me till tomorrow

25/01 letter from KPR dated 21st, FINAL NOTICE,

we recently advised you of our involvement in the recovery of your debt [jan 2012]
you failed to take the action requested in our previous correspondence

Your debt has now become a priority case and I cannot allow this to continue
You must call me within the next 7 days with an acceptable offer to repay the outstanding balance
If you do no not I will refer your account to a debt collection agency to pursue you for this outstanding debt, wonder if she has a whip??

22/02, undated letter from Nationwide,Management of your account will now be carried out on our behalf by............Fredrickson International Ltd
You will need to ensure all communications are made directly with them in the future, Will await the begging letter from Freds
07/03 have received the YOU MUST CONTACT US NOW ON 0845 xxxxxxx letter from freds, decided to wait for the next letter from freds

13/03, letter from freds dated 11/03/14, Freds have decided to go in for the kill as they have sent a LBA and they want the money IN FULL with in the next 7 days otherwise they will take IMMEDIATE ACTION, i quote
"There remains a balance outstanding on this acount and legal action is now being considered. Should it be necessary to issue proceedings in the county court (or Sheriffs Court) further additional costs will be added to the outstanding balance, they go on to list costs, and if a judgement or Decree is obtained and remains unsatisfied a bailiff or sheriff officer may be instructed to recover assets to discharge the outstanding debt, do they not have to go to court and win first?
they continue, A judgement debt or Decree against you would seriously affect your ability to obtain credit in the future.
for your convenience we offer a variety of ways to pay see reverse of letter or go to fredpay.com

well the cheeky boogars have just put a new default on my credit file the original only came off in may last year!!

21/03/14 Freds have put the account on hold while they contact 'their client' and will get back to me
28/03letter to Nationwide, telling them to remove the default registered with the CRAs as they had already defaulted the account and it had only just fallen off in April/May of 2013, they were to treat the letter as a formal complaint
29/04 letter to nationwide complaining about my Ignored Formal complaint
15/05 reply to my complaint, dated 09/05, they are sorry I have had to complain, they are looking into it and should be able to give me a reply by 22/05/2014
17/05 letter from Nwide (14/05) they are investigating my concerns and will be in a position to issue a response by June 4th 2014 well at least that's THIS century
30/05 letter from Nwide (28/05) from Mr A D,
Dear Mrs nightwatch, I am writing regarding your recent complaint with Nationwide regarding your credit card. In order to fully investigate your account and your concernsI need You to contact me using the above details in order to discuss the outstanding balance and your intention to clear the debt
once you contact me I hope to be in a position to issue our final response by 4 june 2014

now this letter is in reply to my complaint about them adding another default to my credit file this year, the original default came off last may

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Tesco cc
start date 1999
balance�4730.11
defaulted 2003
prorata payments up to date OC/Morecroft/fredricksons/Wescot

12/04 CCA sent
03/05 letter received, dated 21/04, unable to deal with request as it is not signed. returned with 'no sig required' temp
19/05 letter from D Munn,(7/5) 'HE' is disappointed to note that I have failed to comply with 'OUR' agreement,unless 'HE' receives an immediate payment as arranged 'HE' will have no alternative but to place my account in the hands of an external DCA
7/6, letter from tesco, Legal and Estates,"further to my recent request, we enclose copy information held by Tesco Bank provided under the terms of the above act"
they have sent me the information as quoted under DPA 1998 ??
will email what I got to Niddy
missing PT letter will be sent 2mozz
after sending missing PT letter have just received the same stuff back but with some T&C but i cannot see any date on them so don't know if they are original or varied will send to Niddy for his opinion

His Niddyship says to ignore, wait and see what happen next
2013
31/01 letter from tesco dated 28/01, We are considering legal action to recover your debt, despite writing to you several times, you have still not paid off your credit card balance or made a repayment arrangement with us,we are now considering commencing court proceedings against you to recover this debt.
it then goes on to explain what this could mean and what may happen if i don't pay the CCJ 1, paid from employer. 2, charging order.
they would prefer to come to an arrangement to settle the debt and i am to call them immediately to discuss a repayment plan.
20/02 was going to send threat o gram template for last letter but forgot to post it (just found it in the car)
20/02, 2 letters received today both dated 15/02 from Tesco Collections, letter 1, wants me to contact them urgently to discuss my account.
letter 2,Tesco Recoveries, because of an absence of an acceptable repayment arrangement, and because i haven't contacted them, despite several attempts to discuss the matter, they will shortly commence further action against me with the assistance of DCA or Solicitors. To stop all action I am to make a payment NOW. If no payment or agreed repayment plan is received within 7 days, they will commence further action against you
22/02 letter sent cross between you have not sent me my CCA /unenforceable/threat-o gram it was received by them on the 23/02
11/03 [05/03] letter from Tesco recoveries,Important you must take action-call us today,despite previous correspondence and our repeated attempts to try and reach an arrangement with you, the debt still remains outstanding.
we will shortly have no alternative but to seek the assistance of a debt collection agency or, if appropriate, commence legal proceedings against you for the recovery of the debt.
I am to make an acceptable offer of repayment within the next 7 days
25/03 letter from Moroncroft (23/03) my account details have been passed to them from Tesco Bank,they are acting as collection agent for them, they will be in contact with me within the next 7 days by letter and/or phone to discuss my repayment options in detail, well tesco can't have a valid CCA, if they can't read and answer my last letter I'll just have to start the ride again
April
05/04 SWID letter sent to morons also pointed out all communication in writing only and that I do not give permission to anyone to visit my doorstep so dont try that one.
06/04 letter from moronics of possible further action if no contact is made by 12/04. I could contact them now and they would be happy to discuss a repayment program, they may also be able to offer a substantial discount off the outstanding balance.
19/04 letter from moronics thanking me for my recent letter and advising that they will be communicating with their client in respect of my raised query. follow up action will be suspended on my account and they will endeavor to provide me with an appropriate response as soon as possible No rush love, no rush.
04/05 letter from Morecomics [01/05] Tesco have told them that they completed an agreement request S78 on the 5th June 2012 and also on the 25th June 2012.
they also advise that the account is on a temporary hold to allow me time to receive this letter and contact them to discuss a payment arrangement I can afford and maintain, if contact is not made promptly, their follow up of the account will recommence. just to make clear. Tesco sent me a photo copy of the signed agreement and T&C dated 2012 but no original T&C and the covering letter said it was sent under the Data Protection Act 1998 , and when I sent the Missing PT letter they sent me the same 2 pages so how have they complied with my CCA request
UE CCA received letter sent to morcomics
17/05 letter from moronics(14/05) their clients believe that the documents sent do meet the requirements under s78 of the Consumer Credit Act.They go on to explain what may be omitted from the document and that there is no requirement to provide a signed 'Executed' copy of the agreement.
their client believe that the balance remains due and payable and they therefore require immediate payment of the said sum or my realistic proposals for repayment of the same within the next 14 days
21/05 letter from morecomics(20/5) to prevent further action I am to send my payment proposal before 27/05 or telephone them within the next 7 days sorry their last letter dated 14th states 14 days 14+14= 28, so they can wait
If i do not contact them following receipt of this letter they MAY have no alternative other than to recommend to their clients that they consider further debt recovery action against me deary me I'm quivering in my armchair. no PT, no compliant CCA. sorted
6/6 letter from Morecomics (3/6) as they have not received any communication from me with regards to my outstanding account, they feel that I may not be in a position to meet their request to clear the account in full.gosh they get have feelings
to prevent their recommendation to their client that further debt recovery action be considered they are prepared to accept payments of �120 a month,to take advantage of this offer I must,
contact them by phone err no
make payment by website erm No
send payment attached to letter and no again
if I do not reply I MAY leave them with no other option but to recommend to their client that they CONSIDER further debt recovery action against me
18/6 letter from Midas cs,(17/06) they are aware that i have not agreed a repayment for this debt with moronics. they are now reviewing the account prior to the possible recommending of further debt recovery action to their clients.Now are they talking about Tesco or morcomics being their client
they would remind me that unless we can agree a settlement of this account, the default which their client may have registered against my credit file will remain unchanged. are they using a default as a threat , cos the Tesco wouldn't remove it anyway To prevent possible further action I must contact Morecrap now.
04/07 letter from Morcronic (01.07) their records show I have not made any payments to them must have a newbie in accounts so my account has been passed to the next desk along Home collections Division, for action.So are they collecting home's now along with door steps? This may involve their local rep calling at my home in the near future,to establish how I intend to settle the balance outstanding.easy! you give me a valid CCA, I consider where we go from there
If I would prefer to agree a repayment arrangement or I believe there is an outstanding query on the account I must telephone no later than 08/07 i'm busy washing my hair
they would emphasis that if no satisfactory agreement is made they may have no alternative but to recommend to our client that they consider further debt recovery action they have been putting this last line in since may


27/07 letter from morecrap We are agents of Tesco Bank, Their records show that the above account has an outstanding balance, They have therefore asked us to contact the account holder to discuss the account and we have been provided this address by a credit reference agency that supply us with addresses links based on the information they hold.Please contact us to confirm the position and so that we can make the appropriate arrangements.
However if you believe that you are not the person responsible for the account, it is important you contact us immediately, either by telephone or letter. they told me that they were agents back in March, they have also told me how outstanding my balance is, but never sent me an award for it,and why have they found my address through a CRA when they have been writing to me and I have been replying? errr what position do I need to confirm ? If i write and tell them I'm deceased will they make funeral arrangements?

05/08 letter to morecrap pointing them back to my letter sent in may also asking what position I am to confirm,and why do they need to look me up when they have been sending letters containing confidential details since march, so it is a little late to find out if the correct person lives at this address .

12/08 letter from Morecrap (10/08) in capitals, Important information-possible further action. I am to contact them in the next 7 days, or send my payment proposal before 17th Aug, to prevent possible further debt recovery action, If i don't they may have no alternative than to recommend to their client that they consider possible further debt recovery action against me, they may be able to offer a substantial discount from the outstanding balance, Oh dear me, the newbie has done it again and sent me letters from the past.
17/08letter form Morecarp, account on hold while they contact their client

25/09 letter from Tesco, due to my failure to agree or maintain repayments towards this account, we have decided to pass the management of the account to one of our DCAs, fredrickson International Ltd, they will attempt to contact you within the next 10 days, to discuss your individual circumstances. their aim is to establish an affordable and sustainable repayment arrangement with you. Should I wish to contact them, the contact details are below
30/09 letter from Freds Hi nw you've not paid tesco, so we are sending you this threatening 1st letter so you will give us all your money OR ELSE Reply piss off
14/10 SWID letter sent to freds
24/10 letter from freds(17/10) they note the contents of my recent letter pity they didn't read it if I require documentation under the CCA1974 I may request this directly from their client with the fee of �1,00, I sent SWID,
I am to contact them with my payment proposals

12/11 letter from fred, In answer to my recent letter(read what I sent)Their client confirms that they complied with my s78 CCA request in June 2012 and sent me documents on the 5th and 25th of that month.
their client also advises that their legal department do not keep copies of what was sent.that's a bit daft, so how do they know what was sent complied with my request?? Should I require further copies I need to make my request again DIRECT to their client and enclose the �1.00 fee as they have complied with this request twice already.
Fred says they would be grateful if I would contact them with my payment proposal by 25th November if they do not hear from me collection activity MAY resume.
04/12 letter from freds [02/12] Dispite attemts to negotiate a settlement on this account, there is still no arrangement to pay in place to repay this debt, would I like to contact them ? NO!
19/12 letter from Freds[17/12] Dispite previous correspondence from them my debt remains outstanding,They are prepared to offer me an opportunity to pay before they pass it back to Tesco with a recommendation to take further action, they are prepared to accept a full and final settlement, provided i phone them on 0845xxxxxxx within 7 days of this letter and they offer a variety of ways to pay. Pity I don't like any of them
2014
Letter from Tesco, due to the fact I have not agreed to or maintained payments to this account, they have decided to pass it to one of THEIR DCA's and the winner is....WESCOT
funny thing is the letter is from Tesco on Tesco headed paper but the return address on the back is Huddersfield which is Wescots mail shot address, and the letter is unsigned, should I send it back with a complement slip asking for a signature??

29/03 letter from Wescot, again it tells me my balance is outstanding, and they have been instructed to collect the debt in full, blah.blah,blah
08/04,have sent SWID to wescot
10/04.letter from wescot, we know you live there you have not contacted us
01/05. letter from Wescot dated 28/04. Having contacted their client, they advised that they have complied with my request on 2 occasions,in 2012. therefore if I require another copy of the documents I must send another request along with the �1.00 fee.
Will send Missing PT to Wescot when I can be arsed

22/05 letter from wescot(17/05) as a final attempt to avoid further action their client has agreed that they(wescot) can offer me a discount to settle my account I have till 27/05 to agree a suitable settlement or the offer will be withdrawn and further action will continue to recover the full outstanding balance, phone us on xxxxx no mention of how much the discount is, and what part of I do not discuss anything over the phone in my SWID letter do they not understand. Oh yes all of it
If i can't take advantage of the offer they will still consider a realistic repayment plan and I should contact them as a matter of urgency to discuss my options

think I may send UE CCA received as they did send it under the DPA and not the CCA regs

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Nationwide cc
still with OC
start date 1998
balance£8,254.44
Defaulted April 2007
prorata payments up to date
His Nidship has deemed this thanks Niddy

27/1/12. letter rec offering part settlement if i pay 25% in 14 days, will not have to pay the rest but will only report part settleed to CRA.don't think so!!
08/2013 Don't all shout at me but realised I never sent for the CCA on this last year, nor did hubby stop the payments from his account. have done now
CCA received and sent to His Niddyship but am thinking a missing T&C is in order
all that they sent was, 2 photocopy's of a signed DD mandate dated 25/08/98 + 09/09/98, copy of signed application [think this was a flyer] with no T+C visible, leaflet of recent T+C

02/09 missing prescribed terms letter sent

09/09 letter from NCCS (05/09) in reply to my Missing PT+C, they say they have provided me with all the information relating to this account in there letter of the 20/08, and they are unable to supply me with any further information.
I have provided them with no legal basis for disputing the amount owed in respect of the account and they are not willing to engage any longer in protracted correspondence with me. If i fail to make payments to the account Nationwide will enforce the debt in accordance with the Terms and conditions of the account ( will this be the original T+C that they have not sent) I am to note that if I do not make the required payments and it becomes necessary for them to commence Court proceedings to recover the debt, they will seek costs of doing this from me. They recommend i seek advice from a firm of solicitors or CAB

04/11 Letter from K.P.R. threatening hell and high water if I don't pay Formal Demand for Payment in big bold capital letters will hide until nasty person stops shouting NW collections has passed my account to them,it is important that the debt is repaid so please call 0845xxxxxx within 7 days cutting it fine letter is dated 29/10 NW is now considering taking legal proceedings to obtain a court judgement or decree against you.
they go on to say costs would be added and that NW or one of its agents would look to enforce by one of the following options
Charging order jointly owned so only a restriction
warrant of execution will supply my own gallows
Attachment of earnings I can be unemployed at any time
Alternatively, your account may be referred to a specialist external DCA now your talking


06/11 threat of litigation letter sent
21/11 letter from nwide[18/11]they are sorry i have an issue with my cc account and thank me for telling them, they are investigating my concerns and hope to be in a position to issue their responce by 6/12, if not they will contact me to let me know, they enclose a how to complain leaflet
11/12 letter from natwide [06/12]Dear Nightwatch, you may recall I wrote to you on 18/11/2013 promising to look into the difficulties you experienced with your. /??????
My investigations are taking a little longer than anticipated because. ????????
Thank you for your patience, I should be able to send you a final response by 30/12/1899. ????

02/01/2014, letter from Nationwide [24/12/13] they thank me for my response to their letter of the 5/9/13 [missing PT]
from my most recent correspondence he is aware that i feel the debt which is currently on my CC account is UE, He can confirm that the information I requested has been sent to me which is a true reflection of my account.

He also notes that I requested them to send a photo copy of the signed CCA.When any documentation is received regarding an account they are scanned on to our electronic server, The copy sent to me previously would be the same as a photo copy of the original as per my request.
As outlined in our previous letter I have the right to refer my complaint to the FOS, should I wish to I have till the 20th Feb 2014, which is 6 months to the date of our previous final response letter. A Smith

13/01/14 letter from KPR[07/01] DISCOUNT ON OUTSTANDING BALANCE WITHOUT PREJUDICE
We are able to offer you the opportunity to settle the debt by paying a significantly reduced one off discounted sum 50p ?
The benefits to you of doing this are:
Nationwide or one of it's agents will not make a claim for a court judgment or decree against you
Legal costs will not be added to the outstanding debt
It will greatly improve your chances of obtaining future credit as we will update your credit file to reflect our amicable agreement don't want it updating, it's not showing on my credit file
Your account will be closed and the remaining balance written off
To take advantage of this offer please phone xxxxxxxto discuss what discount is available, this offer will remain open for 7 DAYS 0nly. If the debt remains outstanding you will receive a Final Notice demanding payment of the full balance why is it always 7 days, only gives me till tomorrow

25/01 letter from KPR dated 21st, FINAL NOTICE,

we recently advised you of our involvement in the recovery of your debt [jan 2012]
you failed to take the action requested in our previous correspondence

Your debt has now become a priority case and I cannot allow this to continue
You must call me within the next 7 days with an acceptable offer to repay the outstanding balance
If you do no not I will refer your account to a debt collection agency to pursue you for this outstanding debt, wonder if she has a whip??

22/02, undated letter from Nationwide,Management of your account will now be carried out on our behalf by............Fredrickson International Ltd
You will need to ensure all communications are made directly with them in the future, Will await the begging letter from Freds
07/03 have received the YOU MUST CONTACT US NOW ON 0845 xxxxxxx letter from freds, decided to wait for the next letter from freds

13/03, letter from freds dated 11/03/14, Freds have decided to go in for the kill as they have sent a LBA and they want the money IN FULL with in the next 7 days otherwise they will take IMMEDIATE ACTION, i quote
"There remains a balance outstanding on this acount and legal action is now being considered. Should it be necessary to issue proceedings in the county court (or Sheriffs Court) further additional costs will be added to the outstanding balance, they go on to list costs, and if a judgement or Decree is obtained and remains unsatisfied a bailiff or sheriff officer may be instructed to recover assets to discharge the outstanding debt, do they not have to go to court and win first?
they continue, A judgement debt or Decree against you would seriously affect your ability to obtain credit in the future.
for your convenience we offer a variety of ways to pay see reverse of letter or go to fredpay.com

well the cheeky boogars have just put a new default on my credit file the original only came off in may last year!!

21/03/14 Freds have put the account on hold while they contact 'their client' and will get back to me
28/03letter to Nationwide, telling them to remove the default registered with the CRAs as they had already defaulted the account and it had only just fallen off in April/May of 2013, they were to treat the letter as a formal complaint
29/04 letter to nationwide complaining about my Ignored Formal complaint
15/05 reply to my complaint, dated 09/05, they are sorry I have had to complain, they are looking into it and should be able to give me a reply by 22/05/2014
17/05 letter from Nwide (14/05) they are investigating my concerns and will be in a position to issue a response by June 4th 2014 well at least that's THIS century

just updating