Nightwatch & Hubbys Diary of debt

[Warwick65]

I think there is maybe a lot going on behind the scenes. Either getting Cabot uk licensed or something as an example.

[stuckinarut]

I think there is maybe a lot going on behind the scenes. Either getting Cabot uk licensed or something as an example.

Well hopefully if they do get Licensed. They will still have time related issues to overcome no doubt?

[nightwatch]

in the last 5 days, I have received 3 emails from RW , they say they have been trying to contact me, would I please contact them to discuss an important matter,
Last one asked me to confirm they had the right person,
they don't say what account it is for, they have a Tesco and a Barclaycard,
all were in spam box so reported them as phishing. let them sort that out.

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Nationwide cc
still with OC
start date 1998
balance£8,254.44
Defaulted April 2007
prorata payments up to date
His Nidship has deemed this
UE thanks Niddy
27/1/12. letter rec offering part settlement if i pay 25% in 14 days, will not have to pay the rest but will only report part settleed to CRA.don't think so!!
08/2013 Don't all shout at me but realised I never sent for the CCA on this last year, nor did hubby stop the payments from his account. have done now
CCA received and sent to His Niddyship but am thinking a missing T&C is in order
all that they sent was, 2 photocopy's of a signed DD mandate dated 25/08/98 + 09/09/98, copy of signed application [think this was a flyer] with no T+C visible, leaflet of recent T+C

02/09 missing prescribed terms letter sent

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

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


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

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

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

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

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

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

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

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

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

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

21/03/14 Freds have put the account on hold while they contact 'their client' and will get back to me
28/03letter to Nationwide, telling them to remove the default registered with the CRAs as they had already defaulted the account and it had only just fallen off in April/May of 2013, they were to treat the letter as a formal complaint
29/04 letter to nationwide complaining about my Ignored Formal complaint
15/05 reply to my complaint, dated 09/05, they are sorry I have had to complain, they are looking into it and should be able to give me a reply by 22/05/2014
17/05 letter from Nwide (14/05) they are investigating my concerns and will be in a position to issue a response by June 4th 2014 well at least that's THIS century
30/05 letter from Nwide (28/05) from Mr A D,
Dear Mrs nightwatch, I am writing regarding your recent complaint with Nationwide regarding your credit card. In order to fully investigate your account and your concerns I need You to contact me using the above details in order to discuss the outstanding balance and your intention to clear the debt
once you contact me I hope to be in a position to issue our final response by 4 june 2014
05/07 letter received they are removing the 2nd DN and would like to send me £150 quid, If I would like to discuss repayment of the account I am to contact Fredriksons, I have already had confirmation that this DN HAS been removed from Experian who also apologised for not getting back to me sooner
06/09 letter on Nwide headed paper, but envelope has a Walton on Thames post mark,they are letting me know that the management of my account will now be carried out on their behalf by ARC (europe)ltd, who are based in Walton on Thames. I need to ensure that all contact is is made directly with them in future'
17/09 call from ARC but they asked for a mrs nitwitcher so I said no one here by that name and hung up, number will now be zapped by the truecall
18/09 letter from ARC dated 15th, this account has now been passed to us for collection as our client has been unable to obtain payment of the outstanding amount from you
we wish to make it quite clear that unless a substantial payment is made to us within the next 10 days, along with a firm offer to clear the rest of the overdue balance, we may pass your account to our solicitors, with instructions to prepare court proceedings against you. if they are only dealing with this account on behalf of NWide is it not NWide that have to issue proceedings?
you can make secure payments to ARC 24 hours a day with your Debit or CREDIT CARD on our website or by phoning our automated payment hotline on 0845 0268889 premium rate call
22/09 SWID letter sent to ARC, added a paragraph telling them that I thought the tone of their introductory letter , demanding an immediate payment of a substantial amount, and court action should further payments not be forthcoming,was both Intimidating and harassing,with out first finding out they had the correct person.also asked if they were acting for Nwide or had they bought the account?
also made it clear that all communication was to be in writing and my number was to be removed from their data and, I did not give my permission for anyone to call at the property to discuss the alleged debt .

25/09 letter from ARC, "please note we are a debt collection agent, acting in good faith on the instructions received from Nwide, We have been instructed by our client to manage your account and we are therefore authorised to contact you in connection with the above matter and to instruct solicitors in contemplation of court proceedings where we consider it appropriate to do so.We have acted in accordance with our clients instructions and within current collection legislation and guidance, we reserve the right to produce our correspondence to any tribunal, regulatory body or investigating authority to prove our compliance and good conduct in this matter.
We are sorry to learn that you find the tone of our letter intimidating and harassing. We can assure you that this is not our intention and we are committed to resolving this matter amicably. We are unaware of an outstanding document request. Please be advised that the account is on hold, as we have passed your comments to our client and are awaiting their reply, we will contact you again when we have their reply

11/03/2015 letter from Arc dated 11/03.the enclose a copy of my signed agreement which shows I agreed to the T&C of the contract. No T&C enclosed
as they have supplied me with this document they must remind me that the outstanding balance is due and payable, they require my payment proposal within the next 30 days.
I can make payment 24/7 using my debit or CREDIT card or call their hotline on 0845 xxxxxx, they must make it quite clear that unless a payment is made within the next 30 days along with a firm offer to clear the rest of the balance, they will contact their client to obtain instructions on how to proceed to recover the debt, so it is in my best interest to contact them immediately on receipt of this letter.
They acknowledge my request not to contact me by phone and will comply with that request provided I send a payment along with a firm offer to clear the rest of the debt

well they can whistle Dixie for all I care, the demanding little sh1ts.
they have sent my application form, yes my siggy is on it but there are no T&C and there is nothing on it to say I agree or have read them before signing
under the signature box it says YOUR RIGHT TO CANCEL. once you have signed this agreement, you will have for a sh (rest is missing)
right to cancel it, Exact details of how and when you can do (rest is missing)
sent to you by post by us
parts of it look like a cut and paste job as the ends of words or sentences are missing
Any whoo will send Arc missing PT&C

20th march letter from ARC, account returned to Nationwide

2018
10/11/18 received an undated letter from NW informing me that the account has been Assigned on 22nd October 2018 to, Cabot Financial (europe) Limited, any further communication and payments must now be sent to Cabot with effect from 22nd October 2018
Enclosed was a notice from Cabot dated 08/11/18, introducing them selves as the new owners of the account saying they will be intouch soon and, how they are looking forward to talking to me.

sorry to dissapoint, but I will not be talking to them,
I have not heard a word from NW since thay passed the debt to Arc in 2014 and then Arc passed it back to Nationwide 2015

Will wait and see what comes next, not SB till next year but as Nationwide said years ago they have sent all the account info , they can't have the T&C's for this account, why worry.

Nov 2018,
a few calls this month from Cabot, they are automated and don't ask for any one person, just if you are free to call them, I am NOT free I am expensive, just ask the hubby.

29/11, leter from Cabot (23/11) they tell me the balance is outstanding, thats nice, they would like to offer affordable/ Flexable payment options to suit me, I like the one i'm on at the moment,
they would like to help me, but, I need to contact them
What COULD happen if I don't talk to them

my credit file could be affected next

they MAY have to consider othert ways to recover the debt Oh go on

I will receive calls/letters until i contact them. phone blocks and a good filing system

The outstanding amount will remain due, no s**t sherlock!,

they tell me to have a great day and they look forward to talking to me
signed by the delightful Deb Green

oh yes, it also states that the current creditor is Cabot Financial UK Ltd

31st dec letter from Cabot, Explore you options for repaying, Did I know I have several options available and Cabot would like to help me find the right one,
By talking to them I can find out how their affordable playment plans work, they can also tell me if i'm eligable for a discount.
I have already made a start by reading this letter
Dear Debbie, thank you so much for the offer of help. but I have already know how repayment plans work, I have also found how to deal with this alledged account.
so I will continue with the plan I have had in place for almost 6 years,0 payments of £0.00, till you find the correct paperwork.
What was that I havn't told you it's SWID, wait a bit longer and I will.

also received an automated call at lunch time, they never say who they want to talk to so hang up.

2019
02/01, called at 9 am eager little beavers arn't they
22/01 letter from Cabot, they understand it may be difficult to clear the acount in a short period of time, especially when there are other prioritys to take into consideration. yep my account with bargin booze
they waffle on about understanding debt and how they would like me to talk to them about how they could help to repay the account in the short term.
they own the account and are prepared to reduce the balance in order to help me become free of this debt sooner, subject to agreeing appropriate terms of repayment.
to take up their offer I am to call them and speak to someone asap.
If not I need to advise them of my proposal to clear the account.
a final parting message, This account may affect my credit rating and my ability to get credit in the future. Ask our team if the account is registered.

20/02/19
letter frm Cabot,We have not heard from you,
we have advised of several options that are available, all of which are in an attempt to help you be free of this debt,
you can pay on a monthly basis or make a proposal to clear the account at a reduced balance over several months.
if you start making payments towards the account then the balance will reduce.
If you clear the account then your file will be updated to show that no balance is outstanding. TALK TO US
signed by dishy debbie.

why would I want to pay now, I like the payments i am making,(zero) it is not on my credit file, nor are any of the others in this diary,

28/02 Cabot understand how difficult it is to clear an account in a short time, they propose to help clear it by accepting 25% BUT, I have to phone to discuss their offer,which also means I admit the debt and they can ask for more.
Now as tempting as that offer sounds, why would I want to pay an UE debt,
Sorry Ms Green offer declined

i have received a lovley glossy leaflet fromCabot, on the back it tells me that now is the time to take control.
Inside tells me the many ways they can help me, how they have a shiny new website.
If I register and activate the account online I can have £25 off the account
also their on line budget planning tool can help manage finances, who's ? just another name for I & E

11/05 email from Cabot, they have been trying to contact me,

it is a lovely colourful email, with pictures of bright open spaces, with click to link boxes, that can help me be free from debt, buy following their guru gide,
"The path to a debt free life", it offers me "easy to follow" links to budget, for a better life, live my dream, become as one with a Cabot repayment plan,

It seems dishy Debbie Green is't in on this one as it is under the watchful eye of, Nicola Millson, Senior Customer Operations Manager,

28/06, letter from Cabot, they offer an amazing saving for me, whoopy doo
I only have to pay them 25%,plus they can be flexable on how to repay the ammount, some of their "customers" take up the offer and pay over 3 months, but most pay all in one go, really? i wouldn't have thought so reading this site.
if this isn't possable, it's not a problem as they can talk to me about a repayment plan, i don't think so sweety, if i havn't spoken to you, or replied to any of your letters, why would you think you can talk to me now?
Have they been taken over by MI5? only this is sent from XX Head of internal operations.

12/11,Letter from Cabot, they want me to close my account with them, by giving me the opportunity to to take them up on a great discount, 90% off when I pay my account,
They would like to discuss if this offer is affordable to me, so if I would call and tell them about my situation, they could make it more affordable to break the discounted offer in to monthly payments, once the final payment is made, they will send a letter to comfirm the account is closed and they will stop contacting me about this account.
If they are so eager for me to close the account, so they don't have to contact me again, they could just do it themselves,
this massive discount only furthers the Idea that they know it is a lemon,
I have noticed at the bottom it gives me a code to quote of SB11 and not a ref no.Do you think they know it's SB

Filed,

forgot only have 14 days to contact them to take up this offer,, is that 14 working days, also is it from the date of their letter or, from when I receive it?
no matter it is filed.

[The Tech Clerk]

lemon it would likely to be otherwise they would get a solicitor to issue N1 ???

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Tesco cc
start date 1999
balance £4730.11
defaulted 2003
account terminated 2003
prorata payments up to date OC/Morecroft/fredricksons/Wescot, HPH2 Ltd/Robinson way
Last paid March 2012 Now SB

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
18/07/16 letter from RW re amount due to HPH2, the original creditor has said that they don't have any record of an active dispute with this acccount. If I have any evidence to support this would i please provide it.NO
BUT, they have kept the account on hold as they have raised further queries with their client to request more information, they will contact me again when they have a response from them. hope it takes a while x
30/8/16 letter from RW, account still on hold as they have had no reply from Tesco
17/10/16 letter from Rw( 13/10) their client has confirmed that Tesco have not received a formal CCA request from me, should I wish to make a formal request I should put it in writing to RW along with the £1.00 fee
28/11, letter from RW ( dated 23/11) " Pre legal assessment" they have assessed my account and found that it meets their initial criteria to be considered for legal action. They now need to understand my curcumstances to determine the most appropriate action to be taken for this account, The account may be transfered to Howard Choen & co. In 10 days without any further notice, If it is and court action is taken they will ask the court for an order adding legal costs and intrest to the amount I owe,It's not too late to agree an affordable payment plan:if you would like to agree to a plan or, youbelieve you have a valid dispute just call us before 04/12/16.

1/12/16 ,UE no valid CCA received letter sent to RWl
19/12 letter from RW dated 13/12, following my request???they have asked for a copy of the agreement/statement to verify that I am Liable to pay the amount due. the account is on hold pending rceipt of said document and they will contact me again in due course.

10/07/17
Letter from RW , they enclose a pile of statements from 2004 -2011, T&C with 9904 at the bottom and the signed CCA as received in 2012, no varied T&C's
they have put account on hold for 30 days and request i fill in the I&E they have supplied,
have found some T&C's dating from 1010 (october 2010) 1111 (nov 2011) 0112 (jan 2012 so am assuming the T&C's sent are from Sept 2004 and not originals from when taken out in April 1999

12th Aug 17
letter from RW (08/08) telling me no minimum payment is required, but they can help me set up a repayment plan of £40 per month or one based on what I can afford

25/08/17
letter from RW dated 21st, WHY HAVE YOU NOT CONTACTED US?, we have made numerous attemps to contact you regarding the ourstanding account but we do not currently have a payment plan or agreement with you
we need you to contact us and tell us about your curcumstances, based on what you tell us we can;
Agree an affordable payment plan- there is no minimum payment tell us what you can afford
Hold your account from any further activity
Look at offering you a reduction on the amount you owe
investigate any query or didpute you may have.
If you do not contact us we cannot help you. please contact us by 01/09/17

08/09/17
letter from RW, (03/09) A reduction to help you clear your balance.
as the account remains unpaid, they want to help find a way to clear the debt, their client has advised that they will accept a 66% settlement to clear the balance in one payment.
so they would like me to pay 3k, but if I am unable to pay in a lump sum they MAY be agreeable to me paying in monthly instalments.
OR if neither of these options is possable I can tell them what I can afford and they will work with me to find a resolution.
either way please call, web chat or email to let them help.

04/06/2018
Letter from RW 30/05/18 WE want to help, they note that the balance remains outstanding and would like to discuss with me how we can work together to find an affoedable arrangement bases on my circumstances
contact us to discuss a way forward.
My circumstances are
1, no valid CCA
2, not paid since March 2012
3,IT'S SB.
but I will keep this quiet unless the letters get threatening

11/06/18 letter from RW dated 6th
They are committed to help me come to a resolution for the outstanding account
They are proposing to send a field contact manager to my address after the 17th to help me reconnect with them
They would like me to come to an affordable repayment arrangement which will take into account my personal circumstances and financial situation.

4/07/18 at 14.40 a field agent arrived at my door, I opened it , he asked if I was Mrs NW I said yes, he showed me his badge ( dirty monkey) I told him to go away as I was not in the mood for an argument, He said I'm not here to sell you anything, my reply I know why you are here now go away, My Mum has just died and I am not in the mood, I shut and locked the door with him still saying for all the neighbours to hear, I'm here about a debt you owe. to which I shouted back to him " go check your dates" and I left him there.

04/08/12
letter from RW dated 31/07/18 "quote" Our doorstep collector has recently visited you at your home and You informed them that You may require or have may already have obtained some assistance with your current financial situation. As a result your account has been returrned to our head office and we have placed it on hold for 30 days to allow you or your appointed representative time to contact us.

7/8/18, formal letter of complaint sent to RW about agents visit and his report back to them.
Also enclosed GDPR for ALL info held about me on their systems.
08/08/18 Letter received and signed for by RW

16/08/18 Letter from HOIST FINANCE they reply to my request for DSAR and enclose information within their control since they were assigned allaccounts held .

They enclosed a print out they give the owner of the account as Hoist portfolio 2 ltd
Their address is Quays reach Salford this is RW address
Date of assignment is Feb 2016, default date, date account was opened
THE LAST PAYMENT DATE to original creditor isssss 16/03/12
The contact log lists mail sent and received since 09/02/16
list of calls made to me
list of SMS sent to customer, 09,12,14,19/06, this is interesting as they have the wrong mobile number

no mention of the home visit, or a reply to the complaint about said visit,

also no mention of the Barclaycard account they hold ( which I have a letter saying is UE )

22/08/18 have today received a reply to my formal complaint, letter dated 17/08, they acknowledge receipt of my complaint received by us on 13/08/18.
The matter will be investigated thoroughly by their complaints department and will contactme ASAP,
My account has been placed on hold until resolved,
interesting they received my letter on the 8th, so where has it been sat till the 13th

10/09 letter from RW, they have not compleated their investigation into my complaint, they aim to respond to me ASAP, but no later than 07/10,
I look forwad to their reply,

15/10 letter from Hoist they are transfering all rights from ,Hoist Portfolio Holdings ltd to HFUKH2L

23/10 letter to RW complaining that they had not responded to my complaint by the 7th as they said they would. also told them to remove phone numbers as the mobile number in the SAR from Hoist, was not mine and never had been,
pointed out that the SAR asked for ALL information in the systen that contained my name, not just the one they linked to their ref, and why was the "Agent's" report not contained in it?


26/10 letter from RW,
they are sorry are sorry I have found cause to complain and also apologise for the lateness of a reply
they would like to express their sincer condolences and are very sorry to hear of my recent bereavement, they would like to assure me that it was not their intention to cause any upset.
they continue that they do not uphold my complaint, However they have noted my concerns on their system and taken steps to prevent a Field contact manager from visiting again.
my SAR request has been actioned and they hope this information provides me with the clarification I require, the account is on hold for 30 days to allow me to contact them to set up an affordable repayment plan. if they dont hear from me by 20th November collection calls/ letters may resume.
don't think there is any chance of that happening

29/ 10 letter from Hoist the notice of assignment they sent on the 10th is incorrect, it was listed as being sent by Hoist Portfolio Holding Limited, it should have been Hoist portfolio Holding 2 limited.
thay enclose a new Notice of assignment for my records

24/11 letter from RW, they are aware of my circumstances and appreciate that you are experiencing difficulties at present.???
they want to help by agreeing an affordable arrangement based on my circumstances, please call......

NO.

03/12/18 letter from RW,They ask me to choose one of the following options to allow them to work with me to understand my current circumstances:
Ican contact step change for free and independent help to assist with managing my finaces and contacting creditors on my behalf.
Complete the attached I & E form and return it to them
Call them on xxxxxxx if I need any help to complete the form, or to discuss the most suitable solution to manage my account.

I don't find Stepchange impartial, and I don't need help with my finances so thats a NO

I don't have any income, It's all hubbys so another NO,

I don't need help filling in the I & E with zero's so won't be calling them
the most suitable solution to manage the alledged account is to continue to ignore all letters til they realise it's SB.

31/12/18 letter fromRW, if I am having difficulties and need help I can contact them,

well I am having a problem with the boiler, should I give them a ring????? Naw can't be bovvered, x

24/01/19
letter from RW (19/01/19) they are aware that i may be experiencing difficulties in paying this account and would like to help me
no problem just not going to pay,
They have a range of payment options available for me that they can tailor to my individual needs.
bet not one like i have now
they may be able to offer a reduced settlement that I may be able to pay over a number of months,
is it 100%? no, not interested
they are dedicated to to ensuring that they agree a solution that is right for me and suits my personal circumstances
Yeah as if,
Direct debit is an easy way to pay, call us to set this up or pay by a card
I don't think so, I like the way I pay at the moment.

13/04
letter from RW, I have not responded to their recent letter,
As i have experienced difficulties, they would like me to choose one of the following options,

Contact StepChange, who offer free and impartial advice.
Complete the enclosed I&E form,
Call them and they will help fill in the form and discuss the most suitable solution to manage this account.

13/05 . letter saying I need to contactthem to set up a repayment plan, if in difficulties I can contact stepchange, National debt line,CAB.
Or I can call them,

08/06
they may be able to offer a reduced settlement, but don't give a figure, they would like me to contact them to "discuss" this, or other available options.
NEXT!!!!

while we have been off air, i have received a couple of emails asking me to contact RW, they were in junk mail, so deleted

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Tesco cc
start date 1999
balance £4730.11
defaulted 2003
account terminated 2003
prorata payments up to date OC/Morecroft/fredricksons/Wescot, HPH2 Ltd/Robinson way
Last paid March 2012 Now SB

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
18/07/16 letter from RW re amount due to HPH2, the original creditor has said that they don't have any record of an active dispute with this acccount. If I have any evidence to support this would i please provide it.NO
BUT, they have kept the account on hold as they have raised further queries with their client to request more information, they will contact me again when they have a response from them. hope it takes a while x
30/8/16 letter from RW, account still on hold as they have had no reply from Tesco
17/10/16 letter from Rw( 13/10) their client has confirmed that Tesco have not received a formal CCA request from me, should I wish to make a formal request I should put it in writing to RW along with the £1.00 fee
28/11, letter from RW ( dated 23/11) " Pre legal assessment" they have assessed my account and found that it meets their initial criteria to be considered for legal action. They now need to understand my curcumstances to determine the most appropriate action to be taken for this account, The account may be transfered to Howard Choen & co. In 10 days without any further notice, If it is and court action is taken they will ask the court for an order adding legal costs and intrest to the amount I owe,It's not too late to agree an affordable payment plan:if you would like to agree to a plan or, youbelieve you have a valid dispute just call us before 04/12/16.

1/12/16 ,UE no valid CCA received letter sent to RWl
19/12 letter from RW dated 13/12, following my request???they have asked for a copy of the agreement/statement to verify that I am Liable to pay the amount due. the account is on hold pending rceipt of said document and they will contact me again in due course.

10/07/17
Letter from RW , they enclose a pile of statements from 2004 -2011, T&C with 9904 at the bottom and the signed CCA as received in 2012, no varied T&C's
they have put account on hold for 30 days and request i fill in the I&E they have supplied,
have found some T&C's dating from 1010 (october 2010) 1111 (nov 2011) 0112 (jan 2012 so am assuming the T&C's sent are from Sept 2004 and not originals from when taken out in April 1999

12th Aug 17
letter from RW (08/08) telling me no minimum payment is required, but they can help me set up a repayment plan of £40 per month or one based on what I can afford

25/08/17
letter from RW dated 21st, WHY HAVE YOU NOT CONTACTED US?, we have made numerous attemps to contact you regarding the ourstanding account but we do not currently have a payment plan or agreement with you
we need you to contact us and tell us about your curcumstances, based on what you tell us we can;
Agree an affordable payment plan- there is no minimum payment tell us what you can afford
Hold your account from any further activity
Look at offering you a reduction on the amount you owe
investigate any query or didpute you may have.
If you do not contact us we cannot help you. please contact us by 01/09/17

08/09/17
letter from RW, (03/09) A reduction to help you clear your balance.
as the account remains unpaid, they want to help find a way to clear the debt, their client has advised that they will accept a 66% settlement to clear the balance in one payment.
so they would like me to pay 3k, but if I am unable to pay in a lump sum they MAY be agreeable to me paying in monthly instalments.
OR if neither of these options is possable I can tell them what I can afford and they will work with me to find a resolution.
either way please call, web chat or email to let them help.

04/06/2018
Letter from RW 30/05/18 WE want to help, they note that the balance remains outstanding and would like to discuss with me how we can work together to find an affoedable arrangement bases on my circumstances
contact us to discuss a way forward.
My circumstances are
1, no valid CCA
2, not paid since March 2012
3,IT'S SB.
but I will keep this quiet unless the letters get threatening

11/06/18 letter from RW dated 6th
They are committed to help me come to a resolution for the outstanding account
They are proposing to send a field contact manager to my address after the 17th to help me reconnect with them
They would like me to come to an affordable repayment arrangement which will take into account my personal circumstances and financial situation.

4/07/18 at 14.40 a field agent arrived at my door, I opened it , he asked if I was Mrs NW I said yes, he showed me his badge ( dirty monkey) I told him to go away as I was not in the mood for an argument, He said I'm not here to sell you anything, my reply I know why you are here now go away, My Mum has just died and I am not in the mood, I shut and locked the door with him still saying for all the neighbours to hear, I'm here about a debt you owe. to which I shouted back to him " go check your dates" and I left him there.

04/08/12
letter from RW dated 31/07/18 "quote" Our doorstep collector has recently visited you at your home and You informed them that You may require or have may already have obtained some assistance with your current financial situation. As a result your account has been returrned to our head office and we have placed it on hold for 30 days to allow you or your appointed representative time to contact us.

7/8/18, formal letter of complaint sent to RW about agents visit and his report back to them.
Also enclosed GDPR for ALL info held about me on their systems.
08/08/18 Letter received and signed for by RW

16/08/18 Letter from HOIST FINANCE they reply to my request for DSAR and enclose information within their control since they were assigned allaccounts held .

They enclosed a print out they give the owner of the account as Hoist portfolio 2 ltd
Their address is Quays reach Salford this is RW address
Date of assignment is Feb 2016, default date, date account was opened
THE LAST PAYMENT DATE to original creditor isssss 16/03/12
The contact log lists mail sent and received since 09/02/16
list of calls made to me
list of SMS sent to customer, 09,12,14,19/06, this is interesting as they have the wrong mobile number

no mention of the home visit, or a reply to the complaint about said visit,

also no mention of the Barclaycard account they hold ( which I have a letter saying is UE )

22/08/18 have today received a reply to my formal complaint, letter dated 17/08, they acknowledge receipt of my complaint received by us on 13/08/18.
The matter will be investigated thoroughly by their complaints department and will contactme ASAP,
My account has been placed on hold until resolved,
interesting they received my letter on the 8th, so where has it been sat till the 13th

10/09 letter from RW, they have not compleated their investigation into my complaint, they aim to respond to me ASAP, but no later than 07/10,
I look forwad to their reply,

15/10 letter from Hoist they are transfering all rights from ,Hoist Portfolio Holdings ltd to HFUKH2L

23/10 letter to RW complaining that they had not responded to my complaint by the 7th as they said they would. also told them to remove phone numbers as the mobile number in the SAR from Hoist, was not mine and never had been,
pointed out that the SAR asked for ALL information in the systen that contained my name, not just the one they linked to their ref, and why was the "Agent's" report not contained in it?


26/10 letter from RW,
they are sorry are sorry I have found cause to complain and also apologise for the lateness of a reply
they would like to express their sincer condolences and are very sorry to hear of my recent bereavement, they would like to assure me that it was not their intention to cause any upset.
they continue that they do not uphold my complaint, However they have noted my concerns on their system and taken steps to prevent a Field contact manager from visiting again.
my SAR request has been actioned and they hope this information provides me with the clarification I require, the account is on hold for 30 days to allow me to contact them to set up an affordable repayment plan. if they dont hear from me by 20th November collection calls/ letters may resume.
don't think there is any chance of that happening

29/ 10 letter from Hoist the notice of assignment they sent on the 10th is incorrect, it was listed as being sent by Hoist Portfolio Holding Limited, it should have been Hoist portfolio Holding 2 limited.
thay enclose a new Notice of assignment for my records

24/11 letter from RW, they are aware of my circumstances and appreciate that you are experiencing difficulties at present.???
they want to help by agreeing an affordable arrangement based on my circumstances, please call......

NO.

03/12/18 letter from RW,They ask me to choose one of the following options to allow them to work with me to understand my current circumstances:
Ican contact step change for free and independent help to assist with managing my finaces and contacting creditors on my behalf.
Complete the attached I & E form and return it to them
Call them on xxxxxxx if I need any help to complete the form, or to discuss the most suitable solution to manage my account.

I don't find Stepchange impartial, and I don't need help with my finances so thats a NO

I don't have any income, It's all hubbys so another NO,

I don't need help filling in the I & E with zero's so won't be calling them
the most suitable solution to manage the alledged account is to continue to ignore all letters til they realise it's SB.

31/12/18 letter fromRW, if I am having difficulties and need help I can contact them,

well I am having a problem with the boiler, should I give them a ring????? Naw can't be bovvered, x

24/01/19
letter from RW (19/01/19) they are aware that i may be experiencing difficulties in paying this account and would like to help me
no problem just not going to pay,
They have a range of payment options available for me that they can tailor to my individual needs.
bet not one like i have now
they may be able to offer a reduced settlement that I may be able to pay over a number of months,
is it 100%? no, not interested
they are dedicated to to ensuring that they agree a solution that is right for me and suits my personal circumstances
Yeah as if,
Direct debit is an easy way to pay, call us to set this up or pay by a card
I don't think so, I like the way I pay at the moment.

13/04
letter from RW, I have not responded to their recent letter,
As i have experienced difficulties, they would like me to choose one of the following options,

Contact StepChange, who offer free and impartial advice.
Complete the enclosed I&E form,
Call them and they will help fill in the form and discuss the most suitable solution to manage this account.

13/05 . letter saying I need to contactthem to set up a repayment plan, if in difficulties I can contact stepchange, National debt line,CAB.
Or I can call them,

08/06
they may be able to offer a reduced settlement, but don't give a figure, they would like me to contact them to "discuss" this, or other available options.
NEXT!!!!

19/12 letter from RW I can pay off my debt for less, 25% less, if I would like to take up the offer I am to contact them BY 16/01/2020,
Not interested so I won't bother them
Next line says do not ignore this letter, I have read it just not taking up the fantastic discount

will file and wait for next begging letter

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Tesco cc
start date 1999
balance £4730.11
defaulted 2003
account terminated 2003
prorata payments up to date OC/Morecroft/fredricksons/Wescot, HPH2 Ltd/Robinson way
Last paid March 2012 Now SB

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
18/07/16 letter from RW re amount due to HPH2, the original creditor has said that they don't have any record of an active dispute with this acccount. If I have any evidence to support this would i please provide it.NO
BUT, they have kept the account on hold as they have raised further queries with their client to request more information, they will contact me again when they have a response from them. hope it takes a while x
30/8/16 letter from RW, account still on hold as they have had no reply from Tesco
17/10/16 letter from Rw( 13/10) their client has confirmed that Tesco have not received a formal CCA request from me, should I wish to make a formal request I should put it in writing to RW along with the £1.00 fee
28/11, letter from RW ( dated 23/11) " Pre legal assessment" they have assessed my account and found that it meets their initial criteria to be considered for legal action. They now need to understand my curcumstances to determine the most appropriate action to be taken for this account, The account may be transfered to Howard Choen & co. In 10 days without any further notice, If it is and court action is taken they will ask the court for an order adding legal costs and intrest to the amount I owe,It's not too late to agree an affordable payment plan:if you would like to agree to a plan or, youbelieve you have a valid dispute just call us before 04/12/16.

1/12/16 ,UE no valid CCA received letter sent to RWl
19/12 letter from RW dated 13/12, following my request???they have asked for a copy of the agreement/statement to verify that I am Liable to pay the amount due. the account is on hold pending rceipt of said document and they will contact me again in due course.

10/07/17
Letter from RW , they enclose a pile of statements from 2004 -2011, T&C with 9904 at the bottom and the signed CCA as received in 2012, no varied T&C's
they have put account on hold for 30 days and request i fill in the I&E they have supplied,
have found some T&C's dating from 1010 (october 2010) 1111 (nov 2011) 0112 (jan 2012 so am assuming the T&C's sent are from Sept 2004 and not originals from when taken out in April 1999

12th Aug 17
letter from RW (08/08) telling me no minimum payment is required, but they can help me set up a repayment plan of £40 per month or one based on what I can afford

25/08/17
letter from RW dated 21st, WHY HAVE YOU NOT CONTACTED US?, we have made numerous attemps to contact you regarding the ourstanding account but we do not currently have a payment plan or agreement with you
we need you to contact us and tell us about your curcumstances, based on what you tell us we can;
Agree an affordable payment plan- there is no minimum payment tell us what you can afford
Hold your account from any further activity
Look at offering you a reduction on the amount you owe
investigate any query or didpute you may have.
If you do not contact us we cannot help you. please contact us by 01/09/17

08/09/17
letter from RW, (03/09) A reduction to help you clear your balance.
as the account remains unpaid, they want to help find a way to clear the debt, their client has advised that they will accept a 66% settlement to clear the balance in one payment.
so they would like me to pay 3k, but if I am unable to pay in a lump sum they MAY be agreeable to me paying in monthly instalments.
OR if neither of these options is possable I can tell them what I can afford and they will work with me to find a resolution.
either way please call, web chat or email to let them help.

04/06/2018
Letter from RW 30/05/18 WE want to help, they note that the balance remains outstanding and would like to discuss with me how we can work together to find an affoedable arrangement bases on my circumstances
contact us to discuss a way forward.
My circumstances are
1, no valid CCA
2, not paid since March 2012
3,IT'S SB.
but I will keep this quiet unless the letters get threatening

11/06/18 letter from RW dated 6th
They are committed to help me come to a resolution for the outstanding account
They are proposing to send a field contact manager to my address after the 17th to help me reconnect with them
They would like me to come to an affordable repayment arrangement which will take into account my personal circumstances and financial situation.

4/07/18 at 14.40 a field agent arrived at my door, I opened it , he asked if I was Mrs NW I said yes, he showed me his badge ( dirty monkey) I told him to go away as I was not in the mood for an argument, He said I'm not here to sell you anything, my reply I know why you are here now go away, My Mum has just died and I am not in the mood, I shut and locked the door with him still saying for all the neighbours to hear, I'm here about a debt you owe. to which I shouted back to him " go check your dates" and I left him there.

04/08/12
letter from RW dated 31/07/18 "quote" Our doorstep collector has recently visited you at your home and You informed them that You may require or have may already have obtained some assistance with your current financial situation. As a result your account has been returrned to our head office and we have placed it on hold for 30 days to allow you or your appointed representative time to contact us.

7/8/18, formal letter of complaint sent to RW about agents visit and his report back to them.
Also enclosed GDPR for ALL info held about me on their systems.
08/08/18 Letter received and signed for by RW

16/08/18 Letter from HOIST FINANCE they reply to my request for DSAR and enclose information within their control since they were assigned allaccounts held .

They enclosed a print out they give the owner of the account as Hoist portfolio 2 ltd
Their address is Quays reach Salford this is RW address
Date of assignment is Feb 2016, default date, date account was opened
THE LAST PAYMENT DATE to original creditor isssss 16/03/12
The contact log lists mail sent and received since 09/02/16
list of calls made to me
list of SMS sent to customer, 09,12,14,19/06, this is interesting as they have the wrong mobile number

no mention of the home visit, or a reply to the complaint about said visit,

also no mention of the Barclaycard account they hold ( which I have a letter saying is UE )

22/08/18 have today received a reply to my formal complaint, letter dated 17/08, they acknowledge receipt of my complaint received by us on 13/08/18.
The matter will be investigated thoroughly by their complaints department and will contactme ASAP,
My account has been placed on hold until resolved,
interesting they received my letter on the 8th, so where has it been sat till the 13th

10/09 letter from RW, they have not compleated their investigation into my complaint, they aim to respond to me ASAP, but no later than 07/10,
I look forwad to their reply,

15/10 letter from Hoist they are transfering all rights from ,Hoist Portfolio Holdings ltd to HFUKH2L

23/10 letter to RW complaining that they had not responded to my complaint by the 7th as they said they would. also told them to remove phone numbers as the mobile number in the SAR from Hoist, was not mine and never had been,
pointed out that the SAR asked for ALL information in the systen that contained my name, not just the one they linked to their ref, and why was the "Agent's" report not contained in it?


26/10 letter from RW,
they are sorry are sorry I have found cause to complain and also apologise for the lateness of a reply
they would like to express their sincer condolences and are very sorry to hear of my recent bereavement, they would like to assure me that it was not their intention to cause any upset.
they continue that they do not uphold my complaint, However they have noted my concerns on their system and taken steps to prevent a Field contact manager from visiting again.
my SAR request has been actioned and they hope this information provides me with the clarification I require, the account is on hold for 30 days to allow me to contact them to set up an affordable repayment plan. if they dont hear from me by 20th November collection calls/ letters may resume.
don't think there is any chance of that happening

29/ 10 letter from Hoist the notice of assignment they sent on the 10th is incorrect, it was listed as being sent by Hoist Portfolio Holding Limited, it should have been Hoist portfolio Holding 2 limited.
thay enclose a new Notice of assignment for my records

24/11 letter from RW, they are aware of my circumstances and appreciate that you are experiencing difficulties at present.???
they want to help by agreeing an affordable arrangement based on my circumstances, please call......

NO.

03/12/18 letter from RW,They ask me to choose one of the following options to allow them to work with me to understand my current circumstances:
Ican contact step change for free and independent help to assist with managing my finaces and contacting creditors on my behalf.
Complete the attached I & E form and return it to them
Call them on xxxxxxx if I need any help to complete the form, or to discuss the most suitable solution to manage my account.

I don't find Stepchange impartial, and I don't need help with my finances so thats a NO

I don't have any income, It's all hubbys so another NO,

I don't need help filling in the I & E with zero's so won't be calling them
the most suitable solution to manage the alledged account is to continue to ignore all letters til they realise it's SB.

31/12/18 letter fromRW, if I am having difficulties and need help I can contact them,

well I am having a problem with the boiler, should I give them a ring????? Naw can't be bovvered, x

24/01/19
letter from RW (19/01/19) they are aware that i may be experiencing difficulties in paying this account and would like to help me
no problem just not going to pay,
They have a range of payment options available for me that they can tailor to my individual needs.
bet not one like i have now
they may be able to offer a reduced settlement that I may be able to pay over a number of months,
is it 100%? no, not interested
they are dedicated to to ensuring that they agree a solution that is right for me and suits my personal circumstances
Yeah as if,
Direct debit is an easy way to pay, call us to set this up or pay by a card
I don't think so, I like the way I pay at the moment.

13/04
letter from RW, I have not responded to their recent letter,
As i have experienced difficulties, they would like me to choose one of the following options,

Contact StepChange, who offer free and impartial advice.
Complete the enclosed I&E form,
Call them and they will help fill in the form and discuss the most suitable solution to manage this account.

13/05 . letter saying I need to contactthem to set up a repayment plan, if in difficulties I can contact stepchange, National debt line,CAB.
Or I can call them,

08/06
they may be able to offer a reduced settlement, but don't give a figure, they would like me to contact them to "discuss" this, or other available options.
NEXT!!!!

19/12 letter from RW I can pay off my debt for less, 25% less, if I would like to take up the offer I am to contact them BY 16/01/2020,
Not interested so I won't bother them
Next line says do not ignore this letter, I have read it just not taking up the fantastic discount

15/01/20
have today received letter from RW asking how they can make this work?? they can help-but need to hear from me, their team can set up a payment plan designed to help manage the account, BUT, they need to get in touch to make sure it is affordable to personal circumstances,
so they need to register the account on line. or want someone to give them a ring.

Dear RW,
I have decided my own repayment plan,it is the one I have been on since March 2012,
I worked out how much I wanted to pay, found it was affordable and have stuck to it through thick and thin,
I do not need to contact anyone,
I find I can still manage things by myself, even though I am now getting on in years, so I will not be troubling your *specially* trained team.
I suggest the way forward is to;-
Check the default date 2003,
check last payment date 2012,
check how much it is costing you to keep sending out letters
Think is it worth it, she never replies

Have had quite a few emails asking me to get intouch, they all go to my junk folder so always get deleted.

[Joanna Connolly Solicitors]

It's gone very quiet, do you think everyone is saving their ink for a big push next month?

You need a crystal ball to predict when these debt purchasers will pounce.

One of the forum members received a Letter of Claim from PRA dated 25th December, which I don't need to remind you is Christmas Day.

Di

[nightwatch]

You need a crystal ball to predict when these debt purchasers will pounce.

One of the forum members received a Letter of Claim from PRA dated 25th December, which I don't need to remind you is Christmas Day.

Di

gosh, they must have been paying who ever was in the office a tidy sum in bonus payments.

just realised RW sent me a letter 19th dec, giving me till 16th of Jan to take up their discount offer, as the new letter is dated the 10th jan, they must know I am not going to reply.
they must have the crystal ball !!

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

RBS
still with OC
start date 1999
ballance £8,103.05
Defaulted 2003
prorata payments up to date
hubbys
Last payment March 2012
sent CCA req on 12/04/12
letter from RBS dated 19th they have sent back my request and money, stating that they cannot deal with it as they require a signiture
Sig not req letter sent by return
have today received a letter from RBS, they appologise for the delay and they REGRET TO ADVISE that the card agreement has been misfiled and they are unable to locate it
they also accept that until they comply fully with the CCA request they are not able to enforce the agreement,
BUT if payments stop they MAY take such actionas is legaly permitted to PURSUE the outstanding debt



letter received 22/06 dated 19/06 . They are concerened to note that payment has not been received. unless payments are brought upto dare and maintained at the agreed level?, they will have no alternative but to consider further action
2013 statements received every month noting no payments have been made
2014 statements received every month again no payments
2015 as above
2016 ditto
03/12/17 statement of accounts received and filed, again one a month as if the account is still open
2018 statements received and filed
2019, statements received and recycled

2020
statement received require payment of £8+k. also adds. You have failed to make the Minimum payment, this could mean that you have broken the terms of this credit agreement and could result in legal action, additional cost and make it more difficult to obtain credit in the future.

[stuckinarut]

2020
statement received require payment of £8+k. also adds. You have failed to make the Minimum payment, this could mean that you have broken the terms of this credit agreement and could result in legal action, additional cost and make it more difficult to obtain credit in the future.

You would think they got the message by now nightwatch

[Joanna Connolly Solicitors]

2020
statement received require payment of £8+k. also adds. You have failed to make the Minimum payment, this could mean that you have broken the terms of this credit agreement and could result in legal action, additional cost and make it more difficult to obtain credit in the future.

Unless I'm mistaken this account was defaulted in 2003 (i.e. 17 years ago!) and now RBS write to say "you have failed to make the minimum payment" and "this could mean that you have broken the terms of your credit agreement".

What took them so long to figure that out

Di

[The Tech Clerk]

Unless I'm mistaken this account was defaulted in 2003 (i.e. 17 years ago!) and now RBS write to say "you have failed to make the minimum payment" and "this could mean that you have broken the terms of your credit agreement".

What took them so long to figure that out

Di

RBS we are talking about Di! they told me that back in the 80s/90s the two credit cards (=1 credit card account) 1 for Visa & 1 for Mastercard, never existed when confronted with 2 card numbers? and that was so called CEOs assistant, told to me only 5+ years ago! - not knowing any better I was chased by DCAs and solicitor of money owed ( I ended up paying twice the same amount to 2 firms) = full/final on 1st payment, then chased by another some time later. Niddy suggested ( back along )I send a letter to all concerned stating the facts and demand monies returned, never heard a word from any of them. (as expected)

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Tesco cc
start date 1999
balance £4730.11
defaulted 2003
account terminated 2003
prorata payments up to date OC/Morecroft/fredricksons/Wescot, HPH2 Ltd/Robinson way
Last paid March 2012 Now SB

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
18/07/16 letter from RW re amount due to HPH2, the original creditor has said that they don't have any record of an active dispute with this acccount. If I have any evidence to support this would i please provide it.NO
BUT, they have kept the account on hold as they have raised further queries with their client to request more information, they will contact me again when they have a response from them. hope it takes a while x
30/8/16 letter from RW, account still on hold as they have had no reply from Tesco
17/10/16 letter from Rw( 13/10) their client has confirmed that Tesco have not received a formal CCA request from me, should I wish to make a formal request I should put it in writing to RW along with the £1.00 fee
28/11, letter from RW ( dated 23/11) " Pre legal assessment" they have assessed my account and found that it meets their initial criteria to be considered for legal action. They now need to understand my curcumstances to determine the most appropriate action to be taken for this account, The account may be transfered to Howard Choen & co. In 10 days without any further notice, If it is and court action is taken they will ask the court for an order adding legal costs and intrest to the amount I owe,It's not too late to agree an affordable payment plan:if you would like to agree to a plan or, youbelieve you have a valid dispute just call us before 04/12/16.

1/12/16 ,UE no valid CCA received letter sent to RWl
19/12 letter from RW dated 13/12, following my request???they have asked for a copy of the agreement/statement to verify that I am Liable to pay the amount due. the account is on hold pending rceipt of said document and they will contact me again in due course.

10/07/17
Letter from RW , they enclose a pile of statements from 2004 -2011, T&C with 9904 at the bottom and the signed CCA as received in 2012, no varied T&C's
they have put account on hold for 30 days and request i fill in the I&E they have supplied,
have found some T&C's dating from 1010 (october 2010) 1111 (nov 2011) 0112 (jan 2012 so am assuming the T&C's sent are from Sept 2004 and not originals from when taken out in April 1999

12th Aug 17
letter from RW (08/08) telling me no minimum payment is required, but they can help me set up a repayment plan of £40 per month or one based on what I can afford

25/08/17
letter from RW dated 21st, WHY HAVE YOU NOT CONTACTED US?, we have made numerous attemps to contact you regarding the ourstanding account but we do not currently have a payment plan or agreement with you
we need you to contact us and tell us about your curcumstances, based on what you tell us we can;
Agree an affordable payment plan- there is no minimum payment tell us what you can afford
Hold your account from any further activity
Look at offering you a reduction on the amount you owe
investigate any query or didpute you may have.
If you do not contact us we cannot help you. please contact us by 01/09/17

08/09/17
letter from RW, (03/09) A reduction to help you clear your balance.
as the account remains unpaid, they want to help find a way to clear the debt, their client has advised that they will accept a 66% settlement to clear the balance in one payment.
so they would like me to pay 3k, but if I am unable to pay in a lump sum they MAY be agreeable to me paying in monthly instalments.
OR if neither of these options is possable I can tell them what I can afford and they will work with me to find a resolution.
either way please call, web chat or email to let them help.

04/06/2018
Letter from RW 30/05/18 WE want to help, they note that the balance remains outstanding and would like to discuss with me how we can work together to find an affoedable arrangement bases on my circumstances
contact us to discuss a way forward.
My circumstances are
1, no valid CCA
2, not paid since March 2012
3,IT'S SB.
but I will keep this quiet unless the letters get threatening

11/06/18 letter from RW dated 6th
They are committed to help me come to a resolution for the outstanding account
They are proposing to send a field contact manager to my address after the 17th to help me reconnect with them
They would like me to come to an affordable repayment arrangement which will take into account my personal circumstances and financial situation.

4/07/18 at 14.40 a field agent arrived at my door, I opened it , he asked if I was Mrs NW I said yes, he showed me his badge ( dirty monkey) I told him to go away as I was not in the mood for an argument, He said I'm not here to sell you anything, my reply I know why you are here now go away, My Mum has just died and I am not in the mood, I shut and locked the door with him still saying for all the neighbours to hear, I'm here about a debt you owe. to which I shouted back to him " go check your dates" and I left him there.

04/08/12
letter from RW dated 31/07/18 "quote" Our doorstep collector has recently visited you at your home and You informed them that You may require or have may already have obtained some assistance with your current financial situation. As a result your account has been returrned to our head office and we have placed it on hold for 30 days to allow you or your appointed representative time to contact us.

7/8/18, formal letter of complaint sent to RW about agents visit and his report back to them.
Also enclosed GDPR for ALL info held about me on their systems.
08/08/18 Letter received and signed for by RW

16/08/18 Letter from HOIST FINANCE they reply to my request for DSAR and enclose information within their control since they were assigned allaccounts held .

They enclosed a print out they give the owner of the account as Hoist portfolio 2 ltd
Their address is Quays reach Salford this is RW address
Date of assignment is Feb 2016, default date, date account was opened
THE LAST PAYMENT DATE to original creditor isssss 16/03/12
The contact log lists mail sent and received since 09/02/16
list of calls made to me
list of SMS sent to customer, 09,12,14,19/06, this is interesting as they have the wrong mobile number

no mention of the home visit, or a reply to the complaint about said visit,

also no mention of the Barclaycard account they hold ( which I have a letter saying is UE )

22/08/18 have today received a reply to my formal complaint, letter dated 17/08, they acknowledge receipt of my complaint received by us on 13/08/18.
The matter will be investigated thoroughly by their complaints department and will contactme ASAP,
My account has been placed on hold until resolved,
interesting they received my letter on the 8th, so where has it been sat till the 13th

10/09 letter from RW, they have not compleated their investigation into my complaint, they aim to respond to me ASAP, but no later than 07/10,
I look forwad to their reply,

15/10 letter from Hoist they are transfering all rights from ,Hoist Portfolio Holdings ltd to HFUKH2L

23/10 letter to RW complaining that they had not responded to my complaint by the 7th as they said they would. also told them to remove phone numbers as the mobile number in the SAR from Hoist, was not mine and never had been,
pointed out that the SAR asked for ALL information in the systen that contained my name, not just the one they linked to their ref, and why was the "Agent's" report not contained in it?


26/10 letter from RW,
they are sorry are sorry I have found cause to complain and also apologise for the lateness of a reply
they would like to express their sincer condolences and are very sorry to hear of my recent bereavement, they would like to assure me that it was not their intention to cause any upset.
they continue that they do not uphold my complaint, However they have noted my concerns on their system and taken steps to prevent a Field contact manager from visiting again.
my SAR request has been actioned and they hope this information provides me with the clarification I require, the account is on hold for 30 days to allow me to contact them to set up an affordable repayment plan. if they dont hear from me by 20th November collection calls/ letters may resume.
don't think there is any chance of that happening

29/ 10 letter from Hoist the notice of assignment they sent on the 10th is incorrect, it was listed as being sent by Hoist Portfolio Holding Limited, it should have been Hoist portfolio Holding 2 limited.
thay enclose a new Notice of assignment for my records

24/11 letter from RW, they are aware of my circumstances and appreciate that you are experiencing difficulties at present.???
they want to help by agreeing an affordable arrangement based on my circumstances, please call......

NO.

03/12/18 letter from RW,They ask me to choose one of the following options to allow them to work with me to understand my current circumstances:
Ican contact step change for free and independent help to assist with managing my finaces and contacting creditors on my behalf.
Complete the attached I & E form and return it to them
Call them on xxxxxxx if I need any help to complete the form, or to discuss the most suitable solution to manage my account.

I don't find Stepchange impartial, and I don't need help with my finances so thats a NO

I don't have any income, It's all hubbys so another NO,

I don't need help filling in the I & E with zero's so won't be calling them
the most suitable solution to manage the alledged account is to continue to ignore all letters til they realise it's SB.

31/12/18 letter fromRW, if I am having difficulties and need help I can contact them,

well I am having a problem with the boiler, should I give them a ring????? Naw can't be bovvered, x

24/01/19
letter from RW (19/01/19) they are aware that i may be experiencing difficulties in paying this account and would like to help me
no problem just not going to pay,
They have a range of payment options available for me that they can tailor to my individual needs.
bet not one like i have now
they may be able to offer a reduced settlement that I may be able to pay over a number of months,
is it 100%? no, not interested
they are dedicated to to ensuring that they agree a solution that is right for me and suits my personal circumstances
Yeah as if,
Direct debit is an easy way to pay, call us to set this up or pay by a card
I don't think so, I like the way I pay at the moment.

13/04
letter from RW, I have not responded to their recent letter,
As i have experienced difficulties, they would like me to choose one of the following options,

Contact StepChange, who offer free and impartial advice.
Complete the enclosed I&E form,
Call them and they will help fill in the form and discuss the most suitable solution to manage this account.

13/05 . letter saying I need to contactthem to set up a repayment plan, if in difficulties I can contact stepchange, National debt line,CAB.
Or I can call them,

08/06
they may be able to offer a reduced settlement, but don't give a figure, they would like me to contact them to "discuss" this, or other available options.
NEXT!!!!

19/12 letter from RW I can pay off my debt for less, 25% less, if I would like to take up the offer I am to contact them BY 16/01/2020,
Not interested so I won't bother them
Next line says do not ignore this letter, I have read it just not taking up the fantastic discount

15/01/20
have today received letter from RW asking how they can make this work?? they can help-but need to hear from me, their team can set up a payment plan designed to help manage the account, BUT, they need to get in touch to make sure it is affordable to personal circumstances,
so they need to register the account on line. or want someone to give them a ring.

Dear RW,
I have decided my own repayment plan,it is the one I have been on since March 2012,
I worked out how much I wanted to pay, found it was affordable and have stuck to it through thick and thin,
I do not need to contact anyone,
I find I can still manage things by myself, even though I am now getting on in years, so I will not be troubling your *specially* trained team.
I suggest the way forward is to;-
Check the default date 2003,
check last payment date 2012,
check how much it is costing you to keep sending out letters
Think is it worth it, she never replies

09/2020
letter from RW, Flexable solutions for challenging times,
They understand all too well how the current situation makes it difficult to plan too far into the future,
me thinks they are having a cash flow problem
they ask me to set up an online payment plan, i can make use of their income and expeniture tool and their portal will never let me set up a plan i cannot afford.
Now i was tempted to do this as.
1, I have no income, it's all hubbys till I get my pension in 2 years,
2, I was interested to see how the "portal" would cope with all the zero's
I refrained from temptation.
they now have a "friendly" chat bot called KAI, as that is my name in Spanish I would be talking to myself, I already do that.
back to the filing cabinet.

you have to give them points for trying