Nightwatch & Hubbys Diary of debt

[ScabHunter]

Re: Nightwatch & Hubbys Diary of debt

AIC keep phoning but not leaving any messages as they can't seem to understand the trucall, or have read my letter that states clearly that I won't discuss over the phone and all calls are logged and recorded

There are times when the behaviour of even a DCA seems too stupid to be believable. This is one of those times.

They are certainly not going to wound you, but they might just end up wounding themselves. That call log could come in useful one day.

SH

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Tesco cc
start date 1999
ballance £4700
defaulted 2003
prorata payments up ro date OC

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 disapointed to note that I have failed to comply with 'OUR' agreement,unles '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,"futher 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 dont know if they are original or varied will send to Niddy for his oppinion

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, dispite 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 dont 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 disscuss a repayment plan.

well after waiting to see what comes next as Niddy sugested, they have threatened legal action, as you can see from the diary entrys they have not written several time as they state, this is the first contact they have made since may 2012. any suggestions on what to send next?? missing pt/ threat-o-gram/ send me a compliant CCA

[Deepie]

Re: Nightwatch & Hubbys Diary of debt

well after waiting to see what comes next as Niddy sugested, they have threatened legal action, as you can see from the diary entrys they have not written several time as they state, this is the first contact they have made since may 2012. any suggestions on what to send next?? missing pt/ threat-o-gram/ send me a compliant CCA

I Would send threat-o-gram if it were me.........

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

thanks Deepie. will sort it out and send on monday x

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Any one know of Icon Collections International. have had a few calls from them logged on the truecall, no message left, only found them by searching the number left on the call log, Haven't a clue which account they are chasing no one has mentioned them being passed any of the accounts, YET!!

[ScabHunter]

Re: Nightwatch & Hubbys Diary of debt

Any one know of Icon Collections International. have had a few calls from them logged on the truecall, no message left, only found them by searching the number left on the call log, Haven't a clue which account they are chasing no one has mentioned them being passed any of the accounts, YET!!

Well, they couldn't have a more appropriate name - I CON.

I have to admit that is a new name to me, but if they are operating like this then they are obviously both incompetent and disreputable. A Notice of Assignment should be received before any other contact is made, and it is customary to contact alleged debtors in writing.

Perhaps they have not yet been able to find any DCA employees with 'literacy' on their CV. I'm told it is rather rare.

SH

[ken100464]

Re: Nightwatch & Hubbys Diary of debt

A little trolling around the net brings this lot up.

The managing director started debt collecting aged 15. As if that is something to be proud of.

Seems they work on a no win no fee basis and a set % no contract to sign.

All sounds very professional. Not

The only debts I have been able to locate being chased by them was for some football gear not returned. The goalposts lol and the £90 that Joes mate lent him down the pub.

And I jest not.

If Niddys process can see off the likes of Arrow, 1st Credit, Lowell and the scary ones cant see this lot even understanding what you on about.

You didnt borrow off Joes mate down the pub did you?

[ken100464]

Re: Nightwatch & Hubbys Diary of debt

Oh forgot they are Bromley Kent based and he has other interests like property deveolpment.

The MD is also a dab hand at Poker and can be seen at tournaments worldwide.

And finally on their reference page they have claims of being able to recover high 80's to low 90's % of bad debts.

That seems rather on the high side to me when you read up about what the market leaders seem to be able to pull in.

The recent MOJ tender had Marstons the winner at about 15% with BT and deliotte coming in below 10%

Seems bit like porkys in halal prison food lol

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

will just have to wait and see what happens.

talking of borrowing from joe down the local, daughters ex bf has got 2 more of her mates in debt by borrowing money off people in their name. on checking with one of the girls he was living with he tried to get a loan in joint, names by forging the girls name on the app, fortunately it was rejected cos of his bad CR file, she only found out about it when she tried to get a contract phone and asked why she was turned down and they told her to check her credit file.
if i find it's something he's done the little shit will be history

[ken100464]

Re: Nightwatch & Hubbys Diary of debt

and they told her to check her credit file.

Was the phone company called dx100 PLC

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Lol.

I used to work on a dx100 switchboard when i was a receptionist, many moons ago. how time flies

[Undercover Elsa]

Re: Nightwatch & Hubbys Diary of debt


I wonder where he got his name from?
A quick Google of DX100 reveals it could be:

A synthesizer
A digital audio player
A switchboard
A PA mixer
Or...An Xpelair toilet extractor fan <<bet it's this one

[nightwatch]

Re: Nightwatch &amp; Hubbys Diary of debt

think you got it spot on, the last one

[nightwatch]

Re: Nightwatch &amp; Hubbys Diary of debt

Bos cc
start date 1998
owing £4800
defaulted 2008
prorata payments to Blair oliver & scott up to date
12th april CCA sent
27/04 letter received from Blair ect..dated 23/04, thanking me for my request for A NEW/ UPDATED TEMPORY REPAYMENT PROGRAM ??????
they confirm that my proposal to pay £1.00 a month is acceptable and i should pay them by the 22nd of each month, should I miss one instalment, legal procedings could be instigated without further notice.
£1.00 has been used toward payment of debt and not for CCA

26/07 nothing heard from BOS

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

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

well it looks like they can read

[nightwatch]

Re: Nightwatch &amp; Hubbys Diary of debt

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

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

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

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

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

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

21/09 letter from triton(17/09) Notice of legal proceedings, they remain very dissapointed that I have failed to settle the debt or make satisfactory repayment proposals
they have now recomended 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 signiture is not needed, and why they have never answered any questions asked in subsiquent letters to them.

26/09 letter fromTriton 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 compleated. 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 signiture, 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 digitaly signed. they just get more impossable 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.
dispite 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 ammount within the next 7 days, Cheques should be made payable to Try-it-on and sent to the address given,
should their client not receive payment or accepable 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 refered 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 incontact 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 flexable 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 wonderfull
they will be incontact 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
26/02 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 comunication only.

06/02 letter from AIC dated JANUARY 21 2013 , we have been unable to come to an acceptable agreement

me thinks they take the percistance