Nightwatch & Hubbys Diary of debt

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

MNS reserve
started 1997
ballance £2333.64
defaulted 2006
prorata to date oc


12/04 CCA req sent
05/05 CCA rec Niddy says
Had not received anything from them till today 30/06, they have asked Rockwell DCA to deal with the account , I should hear from them shortly they phoned last night but were flumuxed by the truecall so left no message

28/07letter dated 23/07 from Rockwell, they have been asked to consider my individual circumstances and to find the best possible way forward for me and their client.

so long as they are managing my case for M&S they can GUARANTEE me ,that in respect of this particular debt:
NO debt collectors will visit my home
I will not be subject to any legal action, or Incur legal fees or costs
NO interest will be applied to my outstanding balance.
HOWEVER, to continue managing my case, they must show their client that they are in contact with me and we are working together to find a resolution.
If their client is to take back the case from them, they may consider the options open to them to recover the amount owed these may include the ones detailed above,
Time is of the essence and I should contact them right away to avoid such action.
08/08 another letter from Rockwell, pleading with me to contact them so that they can help me, or they may have to return it to M&S.If I have notspokento them or sent atleast a token payment within 14 days the account may be passed to their specialist recovery agents Fenton Cooper
they give me 4 ways to make my token payment(one being by debit/credit card)
In addition they have been authorised to offer me the opportunity to settle the account at a significantly reduced rate but they don't say what
the remaining balance may continue to be shown on my credit file as being in default, although their client will not continue to chase payment of the remaining sum

3/09/12 letter from Fenton cooper,It opens with Dear Madam.my account has been escalated to them for assessment and further recovery action to avoid further recovery action I must
1, Pay in full to Fenton Cooper
2, Contact their collection department

Failure to take the above action MAY result in the following actions
1, a debt collector MAY visit my home
2, a court judgement/Decree MAY be requested
any Court costs awarded will be added to my debt

Missing PT letter sent to FentonCooper
letter from FC dated 16/10, this matter is being investigated and they will contact me on recept of the information from their clients
28/10 still waiting
17/11 letter from FC they refer to my request for a copy of the CCA 1974 (s77) We enclose a copy of the executed agreement, enclosed is a copy of the signed agreement but no TC. letter continues
Having satisfied our obligation under s77, the agreement is fully enforceable and we shall continue to treat it as such. they will not be entering into any further correspondence with us reguarding the provision of copy agreements and they remind us that failure to make payments in respect of this agreement will result in further collection activities and any default may also be reported to CRA's
8/12, letter from Rockwell,dated 30/11, they have been instructed by M&S to contact me regarding my account which remains unpaid, I have 10 days to pay in full or they will take immediate action so 10 days from the date of the letter gives me till Monday, will send Missing PT letter
jan 2013
14/01/13 letter from rockwell (11/01) they are concerned that this matter remains unresolved, if they have not spoken to me or received atoken payment in the next 14 days, my account MAY be passed to fenton cooper to assess further recovery options, BUT, as a special offer i can settle at a reduced amount.
they say they have been authorised to offer me the option to settle the account at a significantly reduced amount, the remaining am mount may show on my credit file as being a default, although their client will not continue to chase payment of the remaining sum, call now to take us up on our offer and i will
save money
have my credit file updated
avoid further recovery action

13/03. letter from Rockers they write to confirm that they are no longer instructed to deal with this matter and have closed their files. I am to contact M&S if I have any queries.

15/03 letter from BCW dated 13/03, they have been instructed by M&S to recover the outstanding sum, they have also granted BCW access to my financial information held with A CRA and they will be monitoring this along with data from other sources to assess my ongoing ability to resolve this matter nosy beggers
It is imperative that I contact them to remedy the situation and so they can gain a more through understanding of my financial cercumstances, I am to phone one of their dedicated advisors,or, visit their website to set up a repayment plan/make a oneoff payment/find out if I am eligible for a discounted settlement,or send the full payment by post,
28/03 bcw regret to note that the balance on this account remains outstanding i thought that outstanding meant very good/excellent
they would like me to make contact with one of their specialist advisers who will be able to provide me with support is that with crutches/zimmer frame or just an elastic bandage and advice, they will be sympathetic to my individual circumstances, and will help me to find the most appropriate way to take steps toward resolving and closing my account when they say help me to take steps, are they talking about the pop group, coz if so i'm not taking them anywhere
April
08/04 letter from BCW Make us an offer errr stop contacting me and I'll forget you x
2014
letter dated 28th Feb from M&S they have sold my account to Arrow Global Ltd on the 5th Feb 2014 and that Arrow had instructed Wescot to collect, They kindly give me wescots Address and bank details so I can send them my payment, also included was letter from Arrow saying they now own said account and have passed it to Wescot to collect
never heard off Wescot about this account
19/04 letter from arrow just to let me know they have transferred the account to..... ROCKWELL. I am to contact them to arrange payment, they had it in the first place and didn't get one, so what do you think their chances are now?
28/04 letter from Rockwell dated 22/04, they have been instructed by Arrow to contact me, the debt is now overdue and must be paid in full with in 10 days or they will take immediate action must call them on given phone number to discuss other possible options.
I will be asked to provide a full statement of my income and expenditure in order to validate any instalment/ temp arrangement. cheeky sods they can ask they won't get
think I will wait for next threat, I'm in a can't be arsed mood

well never heard of Rockers but today I get a letter from arrow

01/10 letter dated 24/09 from Arrow. we are writing to let you know that Tessera will no longer be managing your account. The balance on the account is still owed to arrow, Wescot Credit Services ltd is currently manageing your account you should continue to make all payments and queries to them
09/10 letter from Wescot, they would like to inform me that they are acting for arrow/M&S Finan and would like me to contact them to discuss my options for repaying the balance on this account based on my personal curcumstances, these include, 1, paying in full, errm no, 2 Contacting us to agree an affordable repayment plan errm NO again as I have never had an account with M&S FINAN ,
the benefits of contacting us and agreeing a way forward are
you will not receive any further debt collection calls or letters from us regarding this account,I ignore most of them anyway so no benefit
while your account is with us you will not incur interest or fees, not paying gets me the same result, so, no benefit
you will be taking positive steps to improve your credit rating, already am as only 1 default left on CRA file, so, no benefit

30/10 letter from Wescot Arrow Global are offering significant discounts. to find out your settlement value and the savings you could make please call the above number, think I'll pass as I am already making "significant savings" by not paying anything
2015
18/03 letter from Arrow , My OVERDRAFT has been passed to Moorcroft it's a reserve account not a bank account??
30/03; letter from Moorcroft, My account details have been passed to them from Arrow, could I pay them please.
15/04; 08.30 am call this is a message from Moorcroft group for ........... cut off
22/04; letter from Moorcroft (dated 20/04) they have been unable to make contact with me following their recent letter. their aim is to establish with me, a repayment plan I can afford and maintain. Please send your payment proposal before 27/04 or telephone within the next 7 days
If no contact is made following receipt of their letter they may have no alternative other than to continue with further debt recovery action.
Further action may include this, or another DCA, continuing to contact you by letter or phone
We look forward to hearing from you and working with you in order to come to an amicable arrangement on behalf of our client. In certain circumstances we may also be able to offer a discount from the outstanding balance

19/05 letter from Morocroft dated 18/08 despite recent attempt to contact me no payment has been received in line with the arrangement we agreed to, with the result that your account is in arrears for the sum of £120.0

03/10 letter from Arrow they have passed the account to Shoosmiths LLP I should direct all queries, correspondence and payment to Shoosmiths . they again say that this is an overdraft
10/10 letter from Shoosmiths,dated 08/10/15 I have failed to pay the above amount to Arrow and must contact them immediately on 03700xxxxxx with my repayment proposal in order to avoid court action.
if I don't contact them in the next 14 days they will issue Court proceedings against me without any further warning of them being issued they state it is a CURRENT ACCOUNT OVERDRAFT

OK sending CCA request to Arrow on Monday. along with LBA to Shoosmiths

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

MNS reserve
started 1997
ballance £2333.64
defaulted 2006
prorata to date oc


12/04 CCA req sent
05/05 CCA rec Niddy says
Had not received anything from them till today 30/06, they have asked Rockwell DCA to deal with the account , I should hear from them shortly they phoned last night but were flumuxed by the truecall so left no message

28/07letter dated 23/07 from Rockwell, they have been asked to consider my individual circumstances and to find the best possible way forward for me and their client.

so long as they are managing my case for M&S they can GUARANTEE me ,that in respect of this particular debt:
NO debt collectors will visit my home
I will not be subject to any legal action, or Incur legal fees or costs
NO interest will be applied to my outstanding balance.
HOWEVER, to continue managing my case, they must show their client that they are in contact with me and we are working together to find a resolution.
If their client is to take back the case from them, they may consider the options open to them to recover the amount owed these may include the ones detailed above,
Time is of the essence and I should contact them right away to avoid such action.
08/08 another letter from Rockwell, pleading with me to contact them so that they can help me, or they may have to return it to M&S.If I have notspokento them or sent atleast a token payment within 14 days the account may be passed to their specialist recovery agents Fenton Cooper
they give me 4 ways to make my token payment(one being by debit/credit card)
In addition they have been authorised to offer me the opportunity to settle the account at a significantly reduced rate but they don't say what
the remaining balance may continue to be shown on my credit file as being in default, although their client will not continue to chase payment of the remaining sum

3/09/12 letter from Fenton cooper,It opens with Dear Madam.my account has been escalated to them for assessment and further recovery action to avoid further recovery action I must
1, Pay in full to Fenton Cooper
2, Contact their collection department

Failure to take the above action MAY result in the following actions
1, a debt collector MAY visit my home
2, a court judgement/Decree MAY be requested
any Court costs awarded will be added to my debt

Missing PT letter sent to FentonCooper
letter from FC dated 16/10, this matter is being investigated and they will contact me on recept of the information from their clients
28/10 still waiting
17/11 letter from FC they refer to my request for a copy of the CCA 1974 (s77) We enclose a copy of the executed agreement, enclosed is a copy of the signed agreement but no TC. letter continues
Having satisfied our obligation under s77, the agreement is fully enforceable and we shall continue to treat it as such. they will not be entering into any further correspondence with us reguarding the provision of copy agreements and they remind us that failure to make payments in respect of this agreement will result in further collection activities and any default may also be reported to CRA's
8/12, letter from Rockwell,dated 30/11, they have been instructed by M&S to contact me regarding my account which remains unpaid, I have 10 days to pay in full or they will take immediate action so 10 days from the date of the letter gives me till Monday, will send Missing PT letter
jan 2013
14/01/13 letter from rockwell (11/01) they are concerned that this matter remains unresolved, if they have not spoken to me or received atoken payment in the next 14 days, my account MAY be passed to fenton cooper to assess further recovery options, BUT, as a special offer i can settle at a reduced amount.
they say they have been authorised to offer me the option to settle the account at a significantly reduced amount, the remaining am mount may show on my credit file as being a default, although their client will not continue to chase payment of the remaining sum, call now to take us up on our offer and i will
save money
have my credit file updated
avoid further recovery action

13/03. letter from Rockers they write to confirm that they are no longer instructed to deal with this matter and have closed their files. I am to contact M&S if I have any queries.

15/03 letter from BCW dated 13/03, they have been instructed by M&S to recover the outstanding sum, they have also granted BCW access to my financial information held with A CRA and they will be monitoring this along with data from other sources to assess my ongoing ability to resolve this matter nosy beggers
It is imperative that I contact them to remedy the situation and so they can gain a more through understanding of my financial cercumstances, I am to phone one of their dedicated advisors,or, visit their website to set up a repayment plan/make a oneoff payment/find out if I am eligible for a discounted settlement,or send the full payment by post,
28/03 bcw regret to note that the balance on this account remains outstanding i thought that outstanding meant very good/excellent
they would like me to make contact with one of their specialist advisers who will be able to provide me with support is that with crutches/zimmer frame or just an elastic bandage and advice, they will be sympathetic to my individual circumstances, and will help me to find the most appropriate way to take steps toward resolving and closing my account when they say help me to take steps, are they talking about the pop group, coz if so i'm not taking them anywhere
April
08/04 letter from BCW Make us an offer errr stop contacting me and I'll forget you x
2014
letter dated 28th Feb from M&S they have sold my account to Arrow Global Ltd on the 5th Feb 2014 and that Arrow had instructed Wescot to collect, They kindly give me wescots Address and bank details so I can send them my payment, also included was letter from Arrow saying they now own said account and have passed it to Wescot to collect
never heard off Wescot about this account
19/04 letter from arrow just to let me know they have transferred the account to..... ROCKWELL. I am to contact them to arrange payment, they had it in the first place and didn't get one, so what do you think their chances are now?
28/04 letter from Rockwell dated 22/04, they have been instructed by Arrow to contact me, the debt is now overdue and must be paid in full with in 10 days or they will take immediate action must call them on given phone number to discuss other possible options.
I will be asked to provide a full statement of my income and expenditure in order to validate any instalment/ temp arrangement. cheeky sods they can ask they won't get
think I will wait for next threat, I'm in a can't be arsed mood

well never heard of Rockers but today I get a letter from arrow

01/10 letter dated 24/09 from Arrow. we are writing to let you know that Tessera will no longer be managing your account. The balance on the account is still owed to arrow, Wescot Credit Services ltd is currently manageing your account you should continue to make all payments and queries to them
09/10 letter from Wescot, they would like to inform me that they are acting for arrow/M&S Finan and would like me to contact them to discuss my options for repaying the balance on this account based on my personal curcumstances, these include, 1, paying in full, errm no, 2 Contacting us to agree an affordable repayment plan errm NO again as I have never had an account with M&S FINAN ,
the benefits of contacting us and agreeing a way forward are
you will not receive any further debt collection calls or letters from us regarding this account,I ignore most of them anyway so no benefit
while your account is with us you will not incur interest or fees, not paying gets me the same result, so, no benefit
you will be taking positive steps to improve your credit rating, already am as only 1 default left on CRA file, so, no benefit

30/10 letter from Wescot Arrow Global are offering significant discounts. to find out your settlement value and the savings you could make please call the above number, think I'll pass as I am already making "significant savings" by not paying anything
2015
18/03 letter from Arrow , My OVERDRAFT has been passed to Moorcroft it's a reserve account not a bank account??
30/03; letter from Moorcroft, My account details have been passed to them from Arrow, could I pay them please.
15/04; 08.30 am call this is a message from Moorcroft group for ........... cut off
22/04; letter from Moorcroft (dated 20/04) they have been unable to make contact with me following their recent letter. their aim is to establish with me, a repayment plan I can afford and maintain. Please send your payment proposal before 27/04 or telephone within the next 7 days
If no contact is made following receipt of their letter they may have no alternative other than to continue with further debt recovery action.
Further action may include this, or another DCA, continuing to contact you by letter or phone
We look forward to hearing from you and working with you in order to come to an amicable arrangement on behalf of our client. In certain circumstances we may also be able to offer a discount from the outstanding balance

19/05 letter from Morocroft dated 18/08 despite recent attempt to contact me no payment has been received in line with the arrangement we agreed to, with the result that your account is in arrears for the sum of £120.0

03/10 letter from Arrow they have passed the account to Shoosmiths LLP I should direct all queries, correspondence and payment to Shoosmiths . they again say that this is an overdraft
10/10 letter from Shoosmiths,dated 08/10/15 I have failed to pay the above amount to Arrow and must contact them immediately on 03700xxxxxx with my repayment proposal in order to avoid court action.
if I don't contact them in the next 14 days they will issue Court proceedings against me without any further warning of them being issued they state it is a CURRENT ACCOUNT OVERDRAFT


12/10 CCA request sent to Arrow, received 7 signed for on the 13/10
!4/10 LBA sent to Shoesmiths received & signed for 15/10


20/10/15 letter from Shoesmiths dated 16/10 they have asked their client for the documents in my letter, but will not be providing me with any copy's of correspondence between them and Arrow as it is privileged,
I am to note that Arrow is only prepared to provide what is reasonable and proportionate to the pleaded case,
Account on hold till they receive documents from Arrow.

so now I wait

[PlanB]

Re: Nightwatch & Hubbys Diary of debt

so now I wait

Excellent news.

Shoosmiths have had their bluff called.
No more insistence that the account is an overdraft I take it

Plan B x

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Excellent news.

Shoosmiths have had their bluff called.
No more insistence that the account is an overdraft I take it

Plan Bx

nothing on the letter says overdraft, but I wait to see what Arrow send back, x

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

[QUOTE=nightwatch;147191]MNS reserve
started 1997
ballance £2333.64
defaulted 2006
prorata to date oc


12/04 CCA req sent
05/05 CCA rec Niddy says
Had not received anything from them till today 30/06, they have asked Rockwell DCA to deal with the account , I should hear from them shortly they phoned last night but were flumuxed by the truecall so left no message

28/07letter dated 23/07 from Rockwell, they have been asked to consider my individual circumstances and to find the best possible way forward for me and their client.

so long as they are managing my case for M&S they can GUARANTEE me ,that in respect of this particular debt:
NO debt collectors will visit my home
I will not be subject to any legal action, or Incur legal fees or costs
NO interest will be applied to my outstanding balance.
HOWEVER, to continue managing my case, they must show their client that they are in contact with me and we are working together to find a resolution.
If their client is to take back the case from them, they may consider the options open to them to recover the amount owed these may include the ones detailed above,
Time is of the essence and I should contact them right away to avoid such action.
08/08 another letter from Rockwell, pleading with me to contact them so that they can help me, or they may have to return it to M&S.If I have notspokento them or sent atleast a token payment within 14 days the account may be passed to their specialist recovery agents Fenton Cooper
they give me 4 ways to make my token payment(one being by debit/credit card)
In addition they have been authorised to offer me the opportunity to settle the account at a significantly reduced rate but they don't say what
the remaining balance may continue to be shown on my credit file as being in default, although their client will not continue to chase payment of the remaining sum

3/09/12 letter from Fenton cooper,It opens with Dear Madam.my account has been escalated to them for assessment and further recovery action to avoid further recovery action I must
1, Pay in full to Fenton Cooper
2, Contact their collection department

Failure to take the above action MAY result in the following actions
1, a debt collector MAY visit my home
2, a court judgement/Decree MAY be requested
any Court costs awarded will be added to my debt

Missing PT letter sent to FentonCooper
letter from FC dated 16/10, this matter is being investigated and they will contact me on recept of the information from their clients
28/10 still waiting
17/11 letter from FC they refer to my request for a copy of the CCA 1974 (s77) We enclose a copy of the executed agreement, enclosed is a copy of the signed agreement but no TC. letter continues
Having satisfied our obligation under s77, the agreement is fully enforceable and we shall continue to treat it as such. they will not be entering into any further correspondence with us reguarding the provision of copy agreements and they remind us that failure to make payments in respect of this agreement will result in further collection activities and any default may also be reported to CRA's
8/12, letter from Rockwell,dated 30/11, they have been instructed by M&S to contact me regarding my account which remains unpaid, I have 10 days to pay in full or they will take immediate action so 10 days from the date of the letter gives me till Monday, will send Missing PT letter
jan 2013
14/01/13 letter from rockwell (11/01) they are concerned that this matter remains unresolved, if they have not spoken to me or received atoken payment in the next 14 days, my account MAY be passed to fenton cooper to assess further recovery options, BUT, as a special offer i can settle at a reduced amount.
they say they have been authorised to offer me the option to settle the account at a significantly reduced amount, the remaining am mount may show on my credit file as being a default, although their client will not continue to chase payment of the remaining sum, call now to take us up on our offer and i will
save money
have my credit file updated
avoid further recovery action

13/03. letter from Rockers they write to confirm that they are no longer instructed to deal with this matter and have closed their files. I am to contact M&S if I have any queries.

15/03 letter from BCW dated 13/03, they have been instructed by M&S to recover the outstanding sum, they have also granted BCW access to my financial information held with A CRA and they will be monitoring this along with data from other sources to assess my ongoing ability to resolve this matter nosy beggers
It is imperative that I contact them to remedy the situation and so they can gain a more through understanding of my financial cercumstances, I am to phone one of their dedicated advisors,or, visit their website to set up a repayment plan/make a oneoff payment/find out if I am eligible for a discounted settlement,or send the full payment by post,
28/03 bcw regret to note that the balance on this account remains outstanding i thought that outstanding meant very good/excellent
they would like me to make contact with one of their specialist advisers who will be able to provide me with support is that with crutches/zimmer frame or just an elastic bandage and advice, they will be sympathetic to my individual circumstances, and will help me to find the most appropriate way to take steps toward resolving and closing my account when they say help me to take steps, are they talking about the pop group, coz if so i'm not taking them anywhere
April
08/04 letter from BCW Make us an offer errr stop contacting me and I'll forget you x
2014
letter dated 28th Feb from M&S they have sold my account to Arrow Global Ltd on the 5th Feb 2014 and that Arrow had instructed Wescot to collect, They kindly give me wescots Address and bank details so I can send them my payment, also included was letter from Arrow saying they now own said account and have passed it to Wescot to collect
never heard off Wescot about this account
19/04 letter from arrow just to let me know they have transferred the account to..... ROCKWELL. I am to contact them to arrange payment, they had it in the first place and didn't get one, so what do you think their chances are now?
28/04 letter from Rockwell dated 22/04, they have been instructed by Arrow to contact me, the debt is now overdue and must be paid in full with in 10 days or they will take immediate action must call them on given phone number to discuss other possible options.
I will be asked to provide a full statement of my income and expenditure in order to validate any instalment/ temp arrangement. cheeky sods they can ask they won't get
think I will wait for next threat, I'm in a can't be arsed mood

well never heard of Rockers but today I get a letter from arrow

01/10 letter dated 24/09 from Arrow. we are writing to let you know that Tessera will no longer be managing your account. The balance on the account is still owed to arrow, Wescot Credit Services ltd is currently manageing your account you should continue to make all payments and queries to them
09/10 letter from Wescot, they would like to inform me that they are acting for arrow/M&S Finan and would like me to contact them to discuss my options for repaying the balance on this account based on my personal curcumstances, these include, 1, paying in full, errm no, 2 Contacting us to agree an affordable repayment plan errm NO again as I have never had an account with M&S FINAN ,
the benefits of contacting us and agreeing a way forward are
you will not receive any further debt collection calls or letters from us regarding this account,I ignore most of them anyway so no benefit
while your account is with us you will not incur interest or fees, not paying gets me the same result, so, no benefit
you will be taking positive steps to improve your credit rating, already am as only 1 default left on CRA file, so, no benefit

30/10 letter from Wescot Arrow Global are offering significant discounts. to find out your settlement value and the savings you could make please call the above number, think I'll pass as I am already making "significant savings" by not paying anything
2015
18/03 letter from Arrow , My OVERDRAFT has been passed to Moorcroft it's a reserve account not a bank account??
30/03; letter from Moorcroft, My account details have been passed to them from Arrow, could I pay them please.
15/04; 08.30 am call this is a message from Moorcroft group for ........... cut off
22/04; letter from Moorcroft (dated 20/04) they have been unable to make contact with me following their recent letter. their aim is to establish with me, a repayment plan I can afford and maintain. Please send your payment proposal before 27/04 or telephone within the next 7 days
If no contact is made following receipt of their letter they may have no alternative other than to continue with further debt recovery action.
Further action may include this, or another DCA, continuing to contact you by letter or phone
We look forward to hearing from you and working with you in order to come to an amicable arrangement on behalf of our client. In certain circumstances we may also be able to offer a discount from the outstanding balance

19/05 letter from Morocroft dated 18/08 despite recent attempt to contact me no payment has been received in line with the arrangement we agreed to, with the result that your account is in arrears for the sum of £120.0

03/10 letter from Arrow they have passed the account to Shoosmiths LLP I should direct all queries, correspondence and payment to Shoosmiths . they again say that this is an overdraft
10/10 letter from Shoosmiths,dated 08/10/15 I have failed to pay the above amount to Arrow and must contact them immediately on 03700xxxxxx with my repayment proposal in order to avoid court action.
if I don't contact them in the next 14 days they will issue Court proceedings against me without any further warning of them being issued they state it is a CURRENT ACCOUNT OVERDRAFT


12/10 CCA request sent to Arrow, received 7 signed for on the 13/10
!4/10 LBA sent to Shoesmiths received & signed for 15/10


20/10/15 letter from Shoesmiths dated 16/10 they have asked their client for the documents in my letter, but will not be providing me with any copy's of correspondence between them and Arrow as it is privileged,
I am to note that Arrow is only prepared to provide what is reasonable and proportionate to the pleaded case,
Account on hold till they receive documents from Arrow.

[/QUOTE
16/11 letter from Arrow Dated 09/11/15, they acknowledge my request for docs under CCA 1974
they do not accept that they are the creditor as envisaged by the above statute

This account arose under an overdraft facility. Even if this account was regulated under the CCA1974 part V of the act does not apply to this facility and there will be no executed agreement.
they returned my payment, which was dated 09/10/15, they go on to state the amount outstanding and The amount that will become payable comprise interest and cost, depending on what enforcement action is taken against me

So they have taken a Month to tell me they haven't even sent for the agreement because they say it is an overdraft.

I will await the papers from Shoosmiths

[PlanB]

Re: Nightwatch & Hubbys Diary of debt

MNS reserve
started 1997
ballance £2333.64
defaulted 2006

16/11 letter from Arrow Dated 09/11/15, they acknowledge my request for docs under CCA 1974
they do not accept that they are the creditor as envisaged by the above statute

This account arose under an overdraft facility. Even if this account was regulated under the CCA1974 part V of the act does not apply to this facility and there will be no executed agreement.
they returned my payment

So they have taken a Month to tell me they haven't even sent for the agreement because they say it is an overdraft.

I will await the papers from Shoosmiths

Not necessarily. Shoosmiths have told you the account is on hold. They got your LBA response letter so they should have also asked Arrow for the DN etc as well as the CCA.

Arrow always say they they don't accept that they are "the creditor as envisage by the above statute". It's their standard response to a CCA request and they always send back the £1 PO.

After that with any luck it should go quiet for a few months while they ask M&S/HSBC for the paperwork.

Plan B x

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Barclaycard (1)

start date 1998
Balance £5552.10
Defaulted 2002
No payments made since Aug 2011 when they returned my payment as unrecognised account, no reply to letter sent.
Sold to Cabot Nov 2011 ignored letters CCA going off on monday
02/02/12 letter from cabot, they are requesting cca from barcs, and have returned my £1.00
220/02 cabot are still waiting to hear from barcs
23/02 copy of statements requested by SAR received 2006/7 i never had these as barcs stoped sending me statements in 2005 one dated sept 2006 asked for a payment of £6,471.10 immediatly followed by a further £6,459.23 to reach them by Oct 2006
27/02 letter from cabot, barcs are experiencing a delay in obtaining information from their archive.
09/03 Cabot are unable to produce the requested information,
my account has been placed on hold untill they can.

2013
19/04 letter from cabot (12/04) Cabot has not been able to provide you with the requested informationwithin the relevant time period yep i think 12 months+ is out of time
we shal continue to request the information to assist you with your request please don't rush on my behalf, I can wait
We would like to inform you that your account will remain on hold until we can comply with your request told you, no rush..
IMPORTANT Please note, you are still obliged to repay the outstanding balance as confirmed in this letter and therefore we would recommend you contact us as soon as possible to set up a repayment arrangement or continue with you existing payment plan I will continue with my existing plan £0.00 a month for ever, seems good to me (filed)
31/10 letter from Crapbot please find enclosed information requested under CCA 1974 as the letter from them about my Sainsbury account in the above post they confirm it is a [recon] true copy of my account they go on to say they have complied with my request and they are able to Enforce the credit agreement that I signed and entered into. they can go for a CCJ, but they would prefer me to enter into a repayment plan
Now again they have not thought this letter throughas enclosed with the original TCthere is a page with my name and address typed on it and a large your right to cancel box in the middle of the page, ALSO a letter from Barclays dated 05/12/2012 which near the bottom of the page states quite clearly. We are currently unable to provide a copy of the terms of your credit agreement as varied in accordance with section 82 [1] of the act,We accept that we are therefore prevented from enforcing our agreement with you while this state of affairs continues.they continue with what they are allowed to do which is short of enforcement
06/11 letter to crapbot letter confirming No CCA, should of asked why it took nearly 12 months to send Barclays letter to me

03/12 letter from crappybottom LIMITED OFFER if I respond within 30 days from the date of this letter 27/11/13 they are able to offer me a discount of up to 30% to settle my account. Alternatively, they may be able to offer me an attractive repayment plan which will enable me to repay the outstanding balance within 5 years

Oh wow, this company is so thoughtfull, 30% discount or 5 years at £1,000+ what to do, what to dooo !!!!!! WAIT JUST ONE SECOND!!! barclays cannot enforce so how can crapbot have decided to ignore and see what happens next


05/02 letter from Crapbot [31/01] You MUST contact us , According to their records I currently owe £5k even though they have made repeated attemps to obtain my commitment to pay,,repeated attemps?? that must be the one letter and some calls that went to our truecall and got zapped
they are ask me to contact one of their 'Customer Consultants, who will help me set up a repayment plan If I cannot repay in full

20/03/14 letter from Cabot (17/03/14) as with my Sainsburys account, they are saying they have tried to contact me to help me clear this account but I have ignored them, so they are passing the account to Financial Investigations and recoveries, If I don't phone them I will hear from FI&R who will contact me to set up a repayment plan,

05/04 letter from FIRE,dated 31/03, they have been instructed to recover the amount I owe on my account and would like to discuss this with me. I can make a payment to them or they will work with me to set up a repayment plan, they look forward to speaking with me on 0845 xxxx xxx
08/04, SWID letter sent to fire
14/04 Letter from Cabot re my 'SID' letter, supposedly forwarded to them from FIRE (passed along the desk) they thank me for my letter(s) they have reviewed their records and note that Barclaycard are unlikely to be able to supply the requested documentation. Therefore,the sender,can confirm that Cabot have taken the decision to no longer pursue collection of this account, unless the information is obtained in the future, this is not a write-off of the outstanding balance as the debt legally remains, they also confirm that due to the time elapsed;this entry should no longer appear on my credit file.

have today 19/11 received a stack of 6 monthly statements from Cabot, starting from DEC 2011 through to June this year, all with no payments recorded, APART from, on the 27/10/14there was a payment of £1.41 credited to the account. the transaction code is 3PDM CQ any Ideas?

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

M&S sc hubbys
started 1999
balance £1436.11
default 2006
Rockwell keep contacting us but ignored and sending payment to OC

12/04 CCA request sent
4/05 CCA received,they have sent a RECONSITUTED copy of the app/agreement form and T&C
it's a blank form with hubbys name and address typed in
will send to his Niddy ship


Missing PT letter sent
19/5, Letter from Rockwell, they are disappointing to note that they have not had a recent payment,if they don't hear from us by the 23rd may, any agreement we have had regarding the repayment of said debt will be cancelled and THEY will recommence action to recover the outstanding balance in full
If no action is taken concerning this matter the account may be passed to their 'Specialist recovery agents' "Fenton Cooper" to assess further recovery options,
I/WE have never had an agreement with Rockwell, we have been paying any payments to M&S direct
Rockwell are acting agents of M&S
have received letter dated 13/06/12 saying they have complied with the request under CCA1974 the account is not in dispute, and if I think it is I should provide full and sufficient details,
they state' there is NO requirement under section[77][78] that the original or a photocopy of the original signed agreement be provided

13/11/2012 09;20 phone call, but the caller couldn't work out how to get through truecall so all we got was "please phone Buchanan .....
13/11/12 letter from BCW, stating M&S have instructed them to recover the out standing amount, M&S are unaware of any Legitimate reason for non-payment. they would like us to contact
them so they can have a ' more thorough understanding of our financial circumstances' will send sold while in dispute letter
17/11/12 letter(dated 12/11) from M&S saying they have asked Buchanan's to take responsibility of the account BCW will contact us in due course about the overdue amount on the account
30/11 letter from BCW dated 23rd, they thank us for our recent communication and have placed a "cease all action" instruction on the account while they look into our complaint

jan 2013
16/01/13 letter from BCW(14/01) FINAL RESPONSE , they have investigated our claim and concluded our complaint has been refuted.
M&S have stated they sent a copy of our agreement by recorded post in May 2012.Therefore we will continue to pursue the outstanding balance with in the context of our clients instruction and the legitimate nature of our business.
Please contact our office directly to discuss the repayment options available to you.
17/01 letter from BCW (14/01) We wrote to you recently regarding your outstanding balance and regret to note that it still remains outstanding well seen as we only got the recent letter you wrote on the 14/01 yesterday its not given us much time to do anything
All that we ask is that you make contact with us on 0844 xxx xxxx so that we can discuss and gain an understanding of your financial circumstances. If you make contact with us our specialist advisers will be able to provide you with support (good i need holding up after a couple of bottles) and advice, they will be sympathetic to your individual circumstances, and they will help you to find the most appropriate way to take steps towards resolving and closing your account
dispute letter sent to BCW pointing out that an invallid CCA has been received and that I WILL NOT discuss the account over the phone!
29/01 letter from BCW dated 26/01. BCW are here to help. overdue debts can have a serious affect on your credit file ,they can also prevent or make it more difficult for you to obtain finance at all in the future. Make us an offer blah.. blah.. blah...NO MORE LETTERS OR PHONE CALLS. when you enter into a payment arrangement, as long as you make your repayments on time you will not receive phone calls or letters from us for a minimum of 6 months, at which point we will contact you to review your circumstances. Phone us today..
BCW received my letter on the 29/01 but they are still phoning
02/09/2013 letter from M&S dated 24th Aug account SOLD to Arrow Global ltd, on 25th July who have appointed Wescot CS as their servicing agents [ now isn't that a pity] it also contains a Notice of assignment from Arrow saying they have appointed Wetcloths as their agent and that all correspondence should be sent to them and not Arrow.
will wait for wescot to contact and send in the big guns xx

well never heard off wetcloths but today we receive
02/12 letter from Morecrap, your account details have been passed to us from Arrow to act as a collection agent and we will now be dealing with your account now that is a shame so close to Christmas
it's also a pity that Morecrap only quote their own and arrows Ref numbers and not who the debt was originally with only realised it was this account by the amount outstanding
09/12 letter from morecarp. important information- possible further action in big bold capital letters I can't read it any louder so why do they do that? to prevent possible further debt recovery action we are to send a payment proposal before 12/12/13,not left us much time or telephone 0161xxxxxxx within the next 7 days, if not they may have no alternative but to recommend to their clients that they consider possible further debt recovery action against us I thought they were the *further action*

21/12 letter from morecarp re our arrow global account .As they have not received any communication from us with regards to our outstanding account, they feel we may not be in a position to meet their request to pay the account in full. SO
In order to stop them from recommending that further debt recovery action is taken they can confirm that they would be prepared to accept an affordable monthly repayment plan that we can afford to maintain. Any payment offer will be considered and POSSIBLY accepted, PROVIDED we compleat their I+E form to support our proposal BLACKMAIL
Failure to respond within the next 7 days from the date of this letter [19/12] may leave them with no option but to recommend that their client takes further recovery action we can't get a reply can someone else deal with it
Jan 2014
swid letter sent to morecarp17/01 letter from morecarp dated 13/01. they thank us for our recent letter requesting a copy of the credit agreement and point out thet under the CCA 1974 we must provide a fee of £1.00. please make the fee payable to Arrow Global who is their client, I sent a sold while in dispute letter with the date on which the original request was made

10/04 letter from Arrow (07/04 has sc return address on the envelope) they have transferred the account to Scotcall, all communication is to be with SC
28/07 well Scotcall are eager little bunny's had a phone call off them but nothing else.
11/12/14 letter from arrow (01/12) Change of Agency, Scotcall will no longer be managing this account. Arrow still own the account but we have passed the account to Wescot , please direct all queries, correspondence and payments to Wescot Wescot were supposed to contact us last year but they never did
dec 2014, letter from wescot asking for payment

SWID letter to wescot rceived by then 22/12

Jan 2015


03/01 letter dated 31st DEC from wescot Reminder we recently wrote to you but we do not appear to have received a response from you

18/02 letter from westcot. we have written to you on several occasions asking you to contact us about this account, to date we have received no response.In an attempt to close this matter our client has agreed that we can offer you a discount to settle your account

lets see if my math is correct this will be the 3rd letter they have sent, I sent a SWID reply to the first one, which was signed for on the 22/12/14, they make no mention of it being a former M&S account only mention Arrow. I am just in the mood to send a ,I have no memory of ever having. had an account with Arrow, please check you Have the correct person' type of letter


24/04 letter from wescot (22/04) further to my letter of the 16/03. they can confirm that they replied to my letter on the 24th Jan 2015. well I never received it so wonder which of my neighbors has seen it?
Having contacted our client they have advised that you wrote to them in June 2012 to say they had not prescribed the terms or true copy of the agreement. no I have not made a mistake this is word for word the contents of the letter wescot have sent , I wrote to M&S in 2012 arrow didn't buy the account till 2013, so is arrow their client or M&S,
Arrow sent you a letter back to advise that they have provided all that was legally require ( another mistake) and the account is not in dispute and the balance is correct and due, Arrow have never sent any such letter

19/11 letter from arrow dated 17/11,Notification of account transfer to new agency, they have passed it to Shoosmiths, should we send another CCA request to Arrow, or wait for the LBA from Shoosmiths ?

I am thinking a CCA request to Arrow, so that when I reply to shoosmiths I can tell them the original CCA was never fully complied with.
You would think Shoosmiths would be a little more on the ball and check Arrow have the paper work before sending LBAs out willy nilly

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

Don't send a new CCA request if there's one still in default. Trust me!

(M&S Account)

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

have today 19/11 received a stack of 6 monthly statements from Cabot, starting from DEC 2011 through to June this year, all with no payments recorded, APART from, on the 27/10/14there was a payment of £1.41 credited to the account. the transaction code is 3PDM CQ any Ideas?

Don't worry. It's their way of cheating - trying to affect SB. They must PROVE you paid it. You didn't - so it has no effect.

No action necessary (Barclays Account)

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

Regards the reserve account (M&S) - did you get a debit or credit card with the facility; or was it like the loan credit which allowed transfers to your bank as and when (no card issued) - like an OD where you got £X limit and you could spend it as you liked?

There were two types of facility. I'm trying to establish which yours was.....

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

it was the loan type xx limit use as and when
But there was an agreement x

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

it was the loan type xx limit use as and when
But there was an agreement x

but how did you get it? Cash / transfer / card

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

you had a chq book ( i think)

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

And........(what card came with?)