Nightwatch & Hubbys Diary of debt

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

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

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

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Tsb trustcard/lloyds cc
still with OC
start date 1978
taken over by Lloyds 1982
ballance £5662.27
defaulted 2002
have just stopped payment as niddy says
26/04 letter from Ltsb "your repayments are in arrears and a payment of £12.00 is required" to avoid further action all payments should be made on the due date agreed.

29/05 Letter from Credit Security Ltd, re Lloyds Tsb, they have been instructed by our client to recover the outstanding debt

to clarify this account, we sent for a CCA,2010, we had back just T&C nothing to link it to the account, and a letter stating that as the account was so old they did'nt have to send a copy of the agreement, but we would have signed one and they will look.
sent a letter under CPUTR asking if they had an agreement or not, replied that we would have signed one and will send it when found, Final response
SAR sent in the middle is a couple of emails sent to recoverys and back
1, out: client asks for agreement
2,rep: cannot be found, not req from central storage and recoverys as account before the system was started

11/06 letter from Credit security ltd(8/6), they cannot trace receipt of our reply to their recent letter thats coz i diddn't send one
they DEMAND that the sum stated be sent direct to their office IMMEDIATELY using the pay slip attached
failure to do so 'could' result in a DEBT COLLECTOR calling upon us, or the account being refered for legal action
they have still not stated if they have been assigned or sold this account
25/06 letter from Cred sec ltd, dated 22/06, " Dear Mr Nightwatch. You have chosen to disreguard our and our clients previous letters.so they noticed
we do not intend to remind you of your obligations to repay monies owed. then stop sending me letters
If we do not receive a payment and payment proposal within 7 days our DOORSTEP COLLECTOR will be instructed to call upon you for payment the last doorstep collector took it
If payment is not forthcoming we will refer the account to our client with a recommendation for LEGAL ACTION as stated in our previous letter.

letter dated 06/07 from credit security following their recent communication they are pleased to inform us that their client is willing to accept the dum of £4246.70 providing its paid by the 16/07, this will be accepted as partial payment in full and final settlement of the account and the credit file will be updated accordingly.

now to take advantage of this 25% reduction I only have to find £4246.50 (I have 20p) and have it at their office together with the attached slip at the bottom of the letter, no later than MONDAY 16/07/2012

letter dated 09/10/12 from Apex Credit Management,Re Lloyds TSB.it is still with CSL as far as i know? Their client is aware of the difficult financial circumstances that a number of their customers are currently experiencing. must be a lot of us not paying!
as a result they have been authorised to consider a discounted settlement figure against the debt and may be able to offer a substantial discount on the balance, wonder if its any better than the 25% CSL were offering? they would like to explore this option with us, new one on me BUT, it is only available for a period of 10 days from the date of the letter. pity i'm sure it will take me longer to explore my options
To confirm eligibility and take advantage of this enchanced opportunity to clear this debt,we are to contact them without delay, will have a think about that ???? errrrm NO

24/10 letter from apex,( 22/10/12) they are dissapointed that despite their efforts to contact (us twice a day by phone) we have failed to reach any agreement with them, they think we are simply avoiding paying this debt and they must therefore act in the best intrest of their client???
they apparently use !! External Data sources to profile our accounts and believe that you have the abillity to make payments on this account.
Consequently our account will be passed to their internal litigation team in order to consider the best course of action for recovery of the debt outstanding, This MAY include legal action to obtain a CCJ which we may then seek to enforce by way of a charging order or attachment to earnings application.
contact us to prevent further action on this account.WE can take control of our finances by taking positive action.
will send Sold while in dispute on monday sent
01/11 letter from Apex (31/10)They are sorry to learn that we have had to raise concerns about the account, they will be conducting a thorough investigation into our concerns, When it is complete they will contact us again.
they enclosed a copy of their complaints procedure

17/11 rather long letter from Apex,So to condense it. Reply to sold in dispute letter. they have been in contact with their client who state, they have no record on their system of receiving a CCA request or the £1.00 fee, they have asked that we contact them with a copy of our CCA request and proof that they cashed the £1.00 fee. This was sent in 2010 and shows on a SAR asked for in 2011
they then waffle on about carey and Judge Wacksman stating that the debtor has a legitimate interest in seeing a copy of the agreement he signed, not in the sense of proof of execution, but as information
Under their complaints procedure this is their final response and they have placed the account on hold for 28 days for us to contact Lloyds with the paperwork requested

8/12 Statement of account from LLoyds but with Apex ref and address on it, showing the last payment in dec 2011, Will be sending letter to Apex monday, stating the CCA was requested in 2010 and it was responded to by Lloyds, who assured me that we would of signed an agreement, and said they would send me a copy when they find it . also pointing out that their final response is a pile off crap as I had not made a formal complaint to them.

11/12 letter sent to apex, pointing out that the cca request was sent in 2010 and lloyds responded to it,also pointed out that the reply from lloyds to my cputr letter said, that we would of signed an agreement and they will send it when found, i am still waiting,
21/12 letter from apex 19/12, they seem to be back-tracking a touch. they point out that lloyds are the legal owners and they are only acting under instruction from lloyds to recover the debt. as such they are dependant upon the quality of information supplied by lloyds
they reiterate that lloyds cannot find any request made by us nor can they locate having received the £1.00 fee.
they have re-refered the account back to lloyds to request they recall the account as they do not believe they can facilitate a mutually benificial arrangement on it
2013

27/04; letter with Lloyds TSB logo on posted on 25/04 but, it came in a robson way envelope and the address header on the letter is PO box 66, Rosyth ? when did the account move to Scotland
any way they go on to say;- As we havent been able to agree a suitable repayment plan, we have transferred your CC account to Robbers way they have been instructed to arrange collection of the outstanding amount WE are to contact RW asap to arrange to payback the outstanding balance cheeky boogars want us to do their job. they'll wait a long time,
1/05 letter from robbing ways(29/04) we have to pay them the outstanding balance without delay. If we do not pay or agree a repayment play they MAY advise their client to start court Proceedings, If a court considers our failure to pay to be due to neglect an order to pay may be made. they go on to list what May happen if we get an order to pay and we don't. they also point out that ' this account may continue to be a worry for us
letter sent to RW thanking them for their threatening letter of introduction and pointing out that the said account has been in dispute since 2011
14/05 letter from RW dated 13/05 headed Immediate action required, I am to call them without delay to pay by my card ? do they take Nectar points ? If we fail to pay further action MAY be taken to recover the amount due etc etc etc...
will ignore as they signed for my SWID letter yesterday
24/05 letter from robbingways(23/05) they would like us to note that ,they note our dispute/query we have raised. They will make all the necessary inquireies and let us know the outcome in due course. They will stop all collection activity for this account for now. If they can be of any further assistance we are to let them know do they do gardens or decorating free ?
6/6 letter from Robbing ways(3/6)In response to our recent contact, their client(lloyds) has advised them that require us to forward a copy of our CCA request to enable further investigation. they will hold our account for 14 days
will send letter pointing out CCa was sent in 2010 was replied to with, 'You would of signed an agreement and they will send it when found' as was the CPUTR letter, and that I am still waiting


Well set letter to robbing ways pointing out when CCA was sent and the reply received, also pointed out that the reply to my CPUTR was the same as the CCA request' you would of signed an agreement when we find it we will send it' and that I am STILL waiting for the copy of the "signed agreement" and I suggested that they found someone that could actually read and understand the contents of letters sent them.

22/08 letter from Robbersway.In response to your recent contact, our client has confirmed that the CCA request has been actioned and sent to you directly. we trust this resolves your query and we now require your offer of payment within 14 days.

Now as lloyds had no recolection of the original CCA request, It will be interesting to see what they send, last time it was just typed T&C with Hubbys name and this Address on( we weren't living here when he took out the card) and a sentence at the end of the letter stating he would of signed a CCA on taking out the card,as that is the banks policy, and a copy will be sent as soon as they find it.


Letter from RW Your account remains unpaid despite previous attempts to contact you blah blah blah, contact us to arrange an affordable repayment plan

23/09 letter from Robbersway(20/09) Your account is due to be passed to drysdenfx in the next 10 days, who will contact you to discuss repayment of this account and agree an affordable arrangement. To avoid this please contact us so we can discuss your current circumstances and agree an affordable repayment plan with you

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

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

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

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

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

26/07 nothing heard from BOS

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

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

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

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

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


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

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

08/08 letter to wetcloths SWID

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

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

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

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

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

26/07 nothing heard from BOS

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

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

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

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

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


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

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

08/08 letter to wetcloths SWID

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

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