Nightwatch & Hubbys Diary of debt

[Pixie]

Re: Nightwatch & Hubbys Diary of debt

No doubt he has, along with the other things that have been happening.

I'd still send the creditor refusal to accept UE letter I linked above.

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Many thanks Pixie, I received a copy of the agreement showing my Sig but it had no t+c on it , and a leaflet of current T+C, along with a copy of 3 latest statements, I decided that a Missing P T+C letter was the way to go. I will send your recommended letter asap, NW x

just had a thought, when I wrote and offered a pro rata payment the balance was below my credit limit,£8,000 they added fees and charges on this to take it over £9,000 so if I wanted to challenge them on the due balance i could have that to fall back on if necessary

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Nationwide cc
still with OC
start date 1998
ballance £8,500
Defaulted 2007
prorata payments up to date

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

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


His Nidship has deemed this thanks Niddy

just updating

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

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

26/07 nothing heard from BOS

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

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

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

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

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


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

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

08/08 letter to wetcloths SWID

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

the outcome will be "HBOS say they have sent you a valid CCA" or Hi there, we are next on the list of DCA's to be sent your account, pay up or else....

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

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

26/07 nothing heard from BOS

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

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

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

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

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


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

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

08/08 letter to wetcloths SWID

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

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

What difference does it make that the account is over 6 years old? surely if I ask for a copy(which they sent) they have to send me one, unless because of the age of the account they no longer have the documents to make a recon, and if they don't have it what did they send me ???

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

ok just had another look at what HBOS sent
the T+C are a recon of current ones
the area with my siggy on states, you have a short while to cancel details of how and when you can do this will be sent to you by post by the bank,
there is no reference to any Prescribed T+C being on the reverse
I can't be 100% but I think this was a flyer and there were no t+c on the aplication
has anyone else a BOS cc from this date ??
any Idea what to send

[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 response
SAR sent in the middle is a couple of emails sent to recoverys 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 finances 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 response 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 response 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 sentence 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

well should I send a letter pointing them back to my letter in june, and that I still await the copy of the CCA that Lloyds were looking for in 2010?

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

What difference does it make that the account is over 6 years old? surely if I ask for a copy(which they sent) they have to send me one, unless because of the age of the account they no longer have the documents to make a recon, and if they don't have it what did they send me ???

It makes no difference, they are talking shit. If the account has no debt then they can refuse s.78, but this - this is just pure amateurish and shows a lack of knowledge - ie the muppets are clueless....

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

ok just had another look at what HBOS sent
the T+C are a recon of current ones
the area with my siggy on states, you have a short while to cancel details of how and when you can do this will be sent to you by post by the bank,
there is no reference to any Prescribed T+C being on the reverse
I can't be 100% but I think this was a flyer and there were no t+c on the aplication
has anyone else a BOS cc from this date ??
any Idea what to send

Send missing PT's template.......

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

well should I send a letter pointing them back to my letter in june, and that I still await the copy of the CCA that Lloyds were looking for in 2010?

Yep, that's a good idea - confuse them some more

[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..........

they don't seem to understand the message on the truecall , pity isn't it

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

ON looking through the paperwork on the Lombard account, have just found the sheet that the card came on, very interesting,

The sheet says Credit agreement regulated by the consumer credit act 1974 and it contains the intrest and fees for defaults and missed payments, along with a section Your rights under the CCA1974,
so looking at this my application was on a flyer.
they must be having a problem finding a copy of 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

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 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 disscuss a repayment plan.
20/02 was going to send thret 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 hav not sent me my CCA /unenforcable/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,dispite previous correspondance 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 thay 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 newby 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

Dear Tesco, due to your failure to furnish a valid CCA for the alleged account, despite being asked on numerous occasions I have decided to pass on making any attempt to contact you or your Agent by phone, please remove any phone number linked to this address and note all communication to be of the paper and ink variety any attempt to remove my doorstep will be met by my foot up your agents ar5e, please furnish me with a TRUE copy of the CCA requested in April 2012, once received I will tell you where to go from there. now nob off

[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

Dear Fred/ tryanbarter solicitors. thank you so much for your recent pile of drivel, Dispite a recent letter from you,10/08 You have failed to abide by the content of said letter, in that you stated you had contacted your client and would contact me when you received instructions from them, yet here you are threatening further action, now at this late stage, as a gesture of good will I am offering you one final opportunity to contact your client and ask them to comply with my original request for a CCA for this alleged account , sent April 2012 along with the £1.00 fee which was cashed. now please re read my letters to you dated 18/29 of July 2013, and try and understand the contents of them. I HAVE NOT HAD A REPLY TO MY CCA REQUEST!!!

[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

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 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 disscuss a repayment plan.
20/02 was going to send thret 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 hav not sent me my CCA /unenforcable/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,dispite previous correspondance 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 thay 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 newby 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

won't actually say that in the letter will send SWID