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  • Re: Nightwatch & Hubbys Diary of debt

    Getting more inventive then.
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

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    • Re: Nightwatch & Hubbys Diary of debt

      Originally posted by nightwatch View Post
      another letter from RW re Barclaycard, they seem to think that I may have made a large payment to someone and as it wasn't them they would like me to contact them.
      don't think so x
      Maybe you can share your large payment with your virtual friends.

      Comment


      • Re: Nightwatch & Hubbys Diary of debt

        Originally posted by nightwatch View Post
        CAP 1 cc
        started 1998
        ballance £1280
        default 2008
        now with Link financial
        prorata to date

        CCA request sent
        17/03 letter rec, they have sent for the agreement but it may take a while
        31/03 letter from link, they have canceled my repayment plan as I have not informed them why i have stopped payment,"whilst they remain committed to recovering this debt by negotiation" they will if needed "persue me through my local county court if I do not contact their office" I am still waiting for my CCA request to be delt with
        CCa from link,typed credit agreement no date,but with a V2# on bottom left of page, t&c from 1-23 with APR rates and unspecifide credit limits under section 10(Financial and Related Perticulars) and mentioning a date for base rate and a margin of 10,66% up to your aug 2000 statement???
        no signitures, a page with my right to cancel/my rights/loss or misuse/ balance transfer conditions
        and a set of current agreement T&C and a copy of a blank agreement.

        Niddy says
        Missing Prescribed Terms letter sent
        16/05 letter received(14/05) they have sent to barclays for a copy of the T&C a duplicate will be sent to me,they ask that I "Please" confirm my payment proposal for the account by return
        31/05 letter dated 29/05, they enclose the full terms and conditions from Cap1, they advise me to contact them with my proposal to settle the outstanding balance.
        they have sent the EXACT same T&C as the first lot, just all typed out no app or blank/signed agreement,
        just a min they have put an extra piece of paper in with "Original Agreement" typed on it, my name and account number, and I know this cannot be the correct T&C as they only ask for £10 for late payments, it was more than that in 1998

        2013
        2014
        2015
        statement of account from link and one letter asking for payment,
        2016
        23/02
        letter from link they say they have tried to contact me with regards to my account. maybe i cannot afford to clear the balance today,but I do need to call them to discuss my circumstances and then they will be able to help, I will need to give them
        my full expenditure details so that I can make a genuine offer to pay, I need to phone today.
        they advise me that they expect to recover the balance from me, there intentions are not to allow me to leave the account unpaid, even if their recovery action takes longer than they first anticipated

        will wait and see what happens next
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • Re: Nightwatch & Hubbys Diary of debt

          Originally posted by nightwatch View Post
          Tesco cc
          start date 1999
          balance £4730.11
          defaulted 2003
          prorata payments up to date OC/Morecroft/fredricksons/Wescot

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

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


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

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

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

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

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

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

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

          2016
          27/02 letter from Tesco they have assigned my account to, Hoist portfolio holding 2 limited, who have appointed Robinson way limited to manage the account on their behalf

          will await the next letter
          Last edited by nightwatch; 28 February 2016, 13:36.
          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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          • Re: Nightwatch & Hubbys Diary of debt

            Tesco haven't said you can ring them ..... Ahhhh shame x
            if you do it today and you like it you can always do it again tomorrow


            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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            • Re: Nightwatch & Hubbys Diary of debt

              There's quite a few of us getting these (BTW it's 2016 )
              Let your smile change the world but don't let the world change your smile


              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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              • Re: Nightwatch & Hubbys Diary of debt

                thats me living in the past, make space mum i'm joining you x
                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                • Re: Nightwatch & Hubbys Diary of debt

                  It's easily done NW
                  Let your smile change the world but don't let the world change your smile


                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                  • Re: Nightwatch & Hubbys Diary of debt

                    29/02/16. have today received the letter from hoist re Tesco account, says it has been assigned to them and that they have passed it to RW, they enclose details of RW.
                    Robinson way letter states that thy would like me to contact them asap to make payment arrangements, the rear of the letter gives ways to pay,
                    no where on any of the letters does it give details of who to contact if in financial difficulties.
                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                    • Re: Nightwatch & Hubbys Diary of debt

                      One to ignore methinks

                      Comment


                      • Re: Nightwatch & Hubbys Diary of debt

                        re post #9 tesco. RW have given me a list of options for clearing this debt, last option asked me what I can afford to pay, I have opted for the last one with £0.00 being my offer,

                        will await next letter
                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                        • Re: Nightwatch & Hubbys Diary of debt

                          Originally posted by nightwatch View Post
                          Tesco cc
                          start date 1999
                          balance £4730.11
                          defaulted 2003
                          prorata payments up to date OC/Morecroft/fredricksons/Wescot, HPH2 Ltd/Robinson way

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

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


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

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

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

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

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

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

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

                          2016
                          27/02 letter from Tesco they have assigned my account to, Hoist portfolio holding 2 limited, who have appointed Robinson way limited to manage the account on their behalf
                          12/03 letter from RW they currently have over 300,000 customers on a payment plan with them , which is the best option for me,
                          1, - pay £6.93 per week
                          2, - pay £9.35 per week
                          3, - pay 14.74 per week
                          4,- tell us what you can afford, there is no minimum payment.
                          I choose option 4 and I can afford £0.00 per week

                          23/03 letter from RW dated 17/03, If I don't contact them they will have to make a decision on what happens next to the balance I owe.
                          whether to advise our client to instruct Howard Cohen & Co Solicitors to commence legal action against me; or
                          Further collection activity, letters & calls
                          ,
                          they would prefer me to agree to an affordable arrangement and it's not too late for this,
                          OR
                          their client has confirmed that they are willing to accept a single payment of £3,547.58, to clear it in one payment.
                          give us a ring so we can discuss the best option for you.

                          suppose i had better send the SWID
                          will send SWID tomorrow/Saturday/Tuesday, one fine dayyyy
                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                          Comment


                          • Re: Nightwatch & Hubbys Diary of debt

                            Originally posted by nightwatch View Post
                            Tesco cc
                            start date 1999
                            balance £4730.11
                            defaulted 2003
                            prorata payments up to date OC/Morecroft/fredricksons/Wescot, HPH2 Ltd/Robinson way

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

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


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

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

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

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

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

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

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

                            2016
                            27/02 letter from Tesco they have assigned my account to, Hoist portfolio holding 2 limited, who have appointed Robinson way limited to manage the account on their behalf
                            12/03 letter from RW they currently have over 300,000 customers on a payment plan with them , which is the best option for me,
                            1, - pay £6.93 per week
                            2, - pay £9.35 per week
                            3, - pay 14.74 per week
                            4,- tell us what you can afford, there is no minimum payment.
                            I choose option 4 and I can afford £0.00 per week

                            23/03 letter from RW dated 17/03, If I don't contact them they will have to make a decision on what happens next to the balance I owe.
                            whether to advise our client to instruct Howard Cohen & Co Solicitors to commence legal action against me; or
                            Further collection activity, letters & calls
                            ,
                            they would prefer me to agree to an affordable arrangement and it's not too late for this,
                            OR
                            their client has confirmed that they are willing to accept a single payment of £3,547.58, to clear it in one payment.
                            give us a ring so we can discuss the best option for you.

                            suppose i had better send the SWID

                            09/04/16 after sending SWID I have received letter back from RW informing me they are contacting their client, account on hold
                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment


                            • 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

                              UE hubbys account,
                              20/05, letter dated, 11th/05, not heard from this lot since 2014. Cabot would like to talk to us about repaying this account, Lloyds have said they have no paper work, I have the letter very safe.
                              so I shall ignore

                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                              Comment


                              • Re: Nightwatch & Hubbys Diary of debt

                                Hubby had one of these; I requested CCA from 1st Credit in 2008 and still waiting
                                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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