Nightwatch & Hubbys Diary of debt

[nightwatch]

ok here we go


MBNA credit card
now owned byLink Financial
start date 1997
ballance £8,640.53
Defaulted 2002
pro rata payments up to date
hubbys
Last payment Jan 2012
31/01 cca sent
04/02 they have sent to MBNA for CCA and most recent T&C, because they bought the debt in 2002 and do not have any paperwork themselves. this could take up to 30 days
16/02 they are still waiting for a reply but woul like us to continue payments
05/02 CCA received. letter says they have fulfiled their obligation under s77 or 78 CCa 2006
they have enclosed a peice of paper that says "Reason for Reconstruction" and next to a large black cross it states Credit agreement not retrived
also enclosed is, a blank application form, with hubbys name and address typed in,some T&C with mb 04/97 in bottom left corner and an undated agreement that starts at page 2 of 8 and finishes at page 7
will send all to niddy as it all looks carp to me


Niddy says
07/02 missing T&C letter sent
17/02 letter saying they are contacting MBNA as they dont have the info requested
31/03 letter from Link reminding us that our payments are overdue and if we gont make a payment the full amount will become payable immediately
15/04 Letter ,they have canceled our repayment plan as we have not informed them why we have not made a payment, whilst they remain commited to recovering the debt by negotiation, they will, if needed persue through local county court if ne we do not contact their office

5/9/12 letter from link(3/9) dispite their best efforts to assist us in repaying this debt by instalments, we have shown no intrest in reducing the balance,
our failur to respond to their letters,telephone callsand messages leaves them with only a handful of options at this stage there have been no letters, telephone calls or messages, the truecall would of logged them
they urge them to contact them to explain why we are not in a position to settle in full or stick to any payment plan that had been agreed.let's see ...erm still waiting for the info you were sending for in Feb

22/09 letter from fink linancial(19/09) this letter is final notification that any agreement we had with batfink has been cancelled for non payment.
Without further referance to us they will immediately commence recovery of the full sum by one of the following actions.
We will be held liable for any and all of their costs associated with collection

1, our data will be passed to their internal Asset Investigation department
2, our account will be approved for recovery by way of judgement/decree secured in your local court
3, this debt will be transferred to a Debt collection agent who may call at our home.

they say it is unfortunate that they have not been able to resolve this amicably with us. erm we are still waiting for the information they were sending for in Feb

It may be an old thread but it is still updated at the end page !!!!!

[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,

Oct 2020
e-mail from cabot Financial, they would like me to join 400.000 people already online with their digital portal, the freedom of having all information at my finger tips, 24/7.
Ijust have to" click here" to discover the benifits of an online account with Cabot,
sorry S S, head of internal operations. not going to bother thanks.

October 2021

letter from cabot . They have passed the account to GLOBAL DEBT RECOVERY LIMITED. they have asked GDRltd to manage the account. they will help set up an affordable payment plan to enable you to become free of said account.
their welcome letter and contact details are on the reverse of Cabots passing the buck letter.

18/10 letter dated 18th received from GDR, they would like me to phone them so they can assist in the resolution of alledged account.
if no response in 14 days alledged account will be escalated to collections deptment.

collections should have it on Monday, watch this space.

05/11/21 well I was correct, letter dated 1st/11 received today saying said account has been passed to collections, they would like contact from me without delay, so that they can discuss said account and prevent further contact attempts being made.

so I have decided not to contact them as I like to delay a lot, plus I am sure they would discuss the account if I contacted them or not.
will file and await next request for donation towards Christmas party.

April 2022

Letter from Global,

If i send a payment of £1500 by next month , their client will except it as a F&F settlement.
Once settled they will send a receipt for my records.

Think I will give it a miss, no payments since 2013 no communication sent since 2015.

April 2024

11/4/24 Email from CABOT asking for contact to discuss nationwide CC . Ignored
12/4/24 Automated call asking if I an free to talk to an agent, press!, pressed hang up and block
12/4/24 auto call from same number, ok one didgit was diff, Blocked.

[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

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Goldfish cc
sold to wescot
start date 1996
ballance £7,800
defaulted 2002
prorata payments up to date
hubbys
30/01 cca sent
06/02 letter from wetcloths saying they have put the account on hold untill the information is available, and will not collect any payments untill then

should now be SB

[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
last payment Dec 2011
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 responce
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.

14/07. 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 finanices 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 responce 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 resonse 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 sentance 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

14/10 read my last letter, no CCA received my position not changed, letter sent to RW

17/10 letter from DFX (14/10)they have been instructed by RW, they would like me to pay RW, I am to contact RW,no ruddy way
26/10 letter from dsfax they urge me to deal with this outstanding debt immediately by contacting their clients agent RW ? I thought RW were their client? shall ignore for now as RW not responded to my reminder letter
28/10 letter from RW account on hold

11/12 letter from lloyds.[09/12] they thank us for letting them know about the issue we have with our CC

they understand we believe that as they have been unable to provide a copy of your credit agreement they cannot enforce collection of this debt, and can see from their records that a copy has been requested on a number of occasions
for the avoidance of doubt, the CCA 1974 does not prohibit collection activity when an account is in dispute.Even if the agreement was unenforceable, which we dispute, this would only prevent the bank from seeking recovery of the debt through the court, it does not extinguish the legal effect of the contract. as such we will continue to to persue collection of the account balance
They accept that we have made many requests since that time for a copy of our agreement and they have let us down by not informing us that they are UNABLE to supply this and appologise for the inconvenience caused,
In an effort to put this right they woudls like to offer us £60, £10 for call costs+ £50 for the inconvenience caused
if we would like to accept this we are to CALL 0800xxxxxxx at our earliest convenience
they continue about contacting the FOS if we are unhappy now while we would like the £60 we do not want to call them so do you think we should accept it in writing and also ask them again to remove the AP markers and the 2nd default from the CRAs
Jan 2014 £60 received from Lloyds

20/02 statement of account received from Lloyds

26/07/14, letter from Lloyds,dated 18/07/14, they have assigned this debt to Cabot as of 24/06/14.NOA enclosed, Cabot have appointed Marlin to manage the the account,

so LLoyds have passed the debt to Cabot who are now the data controller, who have passed the leg work to marlin who have enclosed a letter of introduction dated 18/07/14 asking me to contact them in the next 5 days
08/08/14 letter from Marlin they have been passed the debt to recover and need to speak to us to arrange a repayment plan.We should contact them in the next 5 days to arrange to settle the outstanding debt, we are to phone them on 0333xxxxxxx or fill in the Statement of Means form on the reverse of the letter and send it back.
will send ue no CCA and copy of Lloyds letter saying so (not sent)

22/08 letter from Marlin .Dear Sir/Madam. this is hubbys account, do you think they know I deal with it? We have written to you a number of times (once)but received no response correct Because you have not contacted us to organise a mutually agreeable repayment plan, we are now considering advising our client (Cabot)to take further action to recover your debt. oh go on, go on, go on,
if you do not contact us urgently within the next 7 days one of the following actions MAY be taken sharp intake of breath
1. A solicitor being instructed to determine whether our client should consider the commencement of legal action to seek recovery of your debt via the county court. You will be provided with more information of the legal process if this course is taken certainly will Legalese
2. A field agent being instructed to make an appointment to visit you at your home to put you back in touch with us so we can discuss your curcumstances with a view to agreeing an affordable repayment plan. I live surrounded by fields, never knew they had an agent, as I was never in touch why would i need to re-connect (very 60's)hubby would just tell him to talk to me
3. An alternative debt collection agency being instructed to collect your outstanding debt, wow now thats scary let me get my piggy bank
to avoid any of the above listed actions please contact us. OHHh do I have to
29/08 UE no CCA letter sent
04/09 letter from Marlin(28/08) as you have been unable to agree a reasonable repayment plan for your above debt, your account wll now be referred to our clients solicitors,to review your file andDetermine whether our client should commence legal action against you, To prevent such action you must contact us to agree an acceptable repayment proposal within the next 5 days. well as the letter is dated the 28/08 and i didn't get it till 04/09 looks like i'm already out of time
This is a serious matter and you may incur legal costs on your account if successful legal action is taken against you. We therefore look forward to hearing from you on 0333 xxxxxxxsorry to dissapoint.. not
they can't work out postage delivery times this lot can they, they ?

2016
20/05 letter from cabot dated the 11th, LET'S WORK TOGETHER. dont let debt hang over you, we can talk you through our different options and find a solution that suits you. the option I have now is the one i'm sticking with. even if you think you can't pay we'd still like to talk to you. I bet they would, but I'm not in the mood for a chat
2017 zilch
2018 ZILCH

[nightwatch]

Re: Nightwatch &; Hubbys Diary of debt

Barclays masterloan
start date 2002
ballance £6395
Defaulted 2004
Defaulted 2008
Now SB

think the last payment could of been 2009. it was May 2009 I have found a statement of account from 2010,09th may 09 balance 6322.45 . 2010 balance 6322.45
passed to Debt managers ltd, in 2010, who threatened hell and high water if i didn't pay up.asked for CCA , DM wrote and said they were unable to obtain a copy of the agrement, passed back to barcs and have heard nothing since, not even had my £1 back!
2015
Ok had an email alert about a change in my credit file in Aug, it shows this loan as up to date??
emailed Equifax saying I had not recently taken a loan out with barclaycard so would they please remove it. I would not be contacting Barclays as I had no account information .
23/09 equifax say If I think this is fraud I am to contact Barclays fraud department,I am also to note the dispute notice they put on the file will be removed in 24 hours. I checked the file there isn't one on it!
I have emailed back now pointing out that if they check what they are reporting as accurate is a loan taken out in 2000, over 60 months, but is still upto date 15 years later cannot be correct,
Also they may like to ask Barclays how an account defaulted 16 years ago can now be up to date? and showing on a credit file,would they also ask them why when I SAR'd them some years back they sent no details of any loan account but stated they had sent all the information they held in my name.
have pointed out as the Data reporters they have a due diligence to check that what they are placing on my file is accurate, so would they tell me what checks they have made to see if the information they have is correct as I now need to look at taking legal advice over the incorrect date being recorded

it has now been removed by Barclaycard and i have a letter of apology along with £100

they have also agreed it is SB

[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.
NOW SB
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.

[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 account closed by Lowell Sept 2015

12th April CCA sent
27/04 letter received from Blair etc..dated 23/04, thanking me for my request for A NEW/ UPDATED TEMPORARY 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 proceedings 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


14/10 missing PT sent to wetcloths

17/10 letter from wetcloths(14/10) as a final attempt to avoid further action, our client has agreed that we can offer you a discount to settle your account ,offer is for a limited period only I should contact wetcloths by 24/10 to agree a suitable settlement, telephone 0844xxxxxx
28/10 letter from Wetcloths, their client is still saying that because the account was opened in 1998 they are not obliged to produce a copy of the application if the account is older than 6years
04/11 letter from Wetsloths, the opportunity to take control of my outstanding balance, they would like to give me the opportunity to pay my outstanding balance by means of regular manageable instalments, which would give me the potential to improve my credit rating and increase my chance of obtaining future credit. Now why would I need to improve my chance of obtaining credit in the future, I only have one DF showing on my cfedit file and that falls off in Feb 2014, I have 2 accounts with K N Co with a joint credit limit of 19,000 so don't think I'm overly worried.
06/11 UE CCA [again] received letter going of today

04/12 letter from wetcloths [29/11] referring to my recent communication. Having contacted their client they have advised that the documentation supplied meets all regulations.Our client also advised that you have been provided with FOS details, if you wish to take this dispute further i can only assume these details were sent with the letter dated 27/12/12, which I never received, only caught sight of it in May when wetclots sent me a copy anyhooo wetcloths belive the dispute has now been resolved and the full balance or an agreed monthly payment is required by return
In the event I believe I still have a valid dispute, would I please contact them with the details within next 14 days you're darn tootin I will or account will be returned to recovery team
jan 2014
UE letter sent to wetcloths

July 2015

Letter received today from BOS ( dated 14/07/15) they have assigned the account to Lowell Portfolio 1 Ltd . they in turn have appointed Lowell Financial Ltd to manage.

shall I send another CCA request or a SWID
31/07/2015 letter from Lowell asking for me to make contact to arrange a full payment or set up a repayment plan, they are here to help me clear this debt.
I also received an email from them asking if it was ok to contact me using the email they have on file
now this last part is a bit frightening, I have never emailed anyone about this account so where have they got the address from?
14/08 swid letter to lowell along with ' do not contact me by phone or email' at the bottom.
26/08 ( rec 27/08) letter from lowell they are looking into my complaint account on hold
28/08 receive a letter dated 25/08 saying that they have noticed that Section (5 )of the limitation Act 1980 now applies to my account and they will no longer be asking me for payment. they will not send any more letters and they have now closed my account with lowell, balance owing £0.00
22/09 letter from lowell saying they are still investigating my complaint and hope to be in touch soon but no later that 8 weeks since they received my complaint?balance owing £4802.57

[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.

04/08/18
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.

Feb 2021
letter from Hoist Finance, have they sacked RW?
they say they recently contacted me, 5 months ago, telling me of the flexible ways to pay my account.
If I were to set up a payment plan, they MAY be able to pay some of the balance for me, to see if I am eligible for a " You pay, We pay" plan i am to log on to their web site.
I much prefer a "No pay, Go away" plan

18/02
another letter from Hoist. eager beavers

10/05
letter from hoist
Hello choose a way to pay, you may be eligible for a discount, IF I set up a payment plan,
every time I make a payment they will make one too,WHERE POSSIBLE.

what do they mean by that?
answers on a postcard winner will be drawn at random, where ever that is.

11/08/21 letter from hoist, Do you need some help to manage your account? No thanks

19/08/21 Choose a way to pay. I like what I'm doing now thanks.

18/12/21 exactly the same letter as above, join our you pay we pay plan, errr no ta.

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

MBNA (2)hubbys
now with wescot
start date 1998
ballance £4050
defaulted 2002
prorata payments up to date

Last payment March 2012

CCA request sent
16/03 account on hold while request sent to mbna

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Cap 1 hubbys
Started 1998
Ballance £3923.13
Defaulted 2004
Still with OC
Last Payment Jan 2012

13/6/12 passed to wescot

now asking for new payment & I&E Ignored

27/01/12 letter thanking us for our recent comunication ,and confirming they will accept the reduced payment for 6 months?? not sent anything
30/01 cca sent
cca received email sent to niddy
niddy says missing prescribed terms letter will be sent monday

in the original CCa responce they sent a reconstituted copy of the original agreement containing name and address when taken out along with a scanned copy of the signiture page
22/03 letter from Cap one they say i have had the prescribed terms that were in force at the time the account was opened along with a scanned copy of the signiture on the agreement, will scan the letter in for your comments
after receiving their final response scanned in further in the thread have today received a letter from Carp 1
if you do not respond to this letter to bring your arangement up to date we MAY pass to a DCA or we may Choose to sell it to a debt purchaser
13/06 received a RED HEADED letter from Westcot" We have been instructed by our client to collect the outstanding debt" ok so Cap 1 is their client
To avoid WESCOT taking further action we must! 1,pay ye debt in full or 2, contact them by phone, failure to do so will result in further recovery action
I sent the 'sold while in dispute' letter to wetcloths

04/07 letter from Wetclots, they have contacted their client, their client sent a final response 15/03/2012, they believe the dispute has been resolved abd requie the full balance or an agreed monthly payment is required by return,
If I believe i still have a valid dispute, i have to contact them in the next 14 days or the account will be returned to the recovery team for collection

11/08 letter from Nelson Guest and partners, instructed by Wescot, acting on behalf of Cap one, Unless we contact Wescot with: full payment OR realistic options for a suitable repayment plan, that can be agreed, within the next 10 days of the date of this letter(07/08/12) further recovery action will be taken.

letter sent to NG&P final response UE CCA received

23/08 letter from wetcloths 20/08 Doorstep collection notice, I am to read this notice carefully. as they know of no genuine reason why we have failed to pay the outstanding balance, they have instructed their agent to make an appointment with us to visit our home and agree with us how to repay the debt, letters must have crossed so will ignore this for now,
I can still avoid a call by the Door step collecton agent by phoning them IMMEDIATELY

14/09. letter from wetcloths they are looking into the matter account on hold

15/09.letter from wetcloths, they have contacted Cap 1 who advised that they provided the docs in Feb and have issued their final demand in March,Therefore the debt is enforcable.
they would like me to pay in full or an agreed monthly payment is required by return,
If I belive I still have a valid dispute I am to contact them with the details within 14 days or the account will be returned to their recovery team for collection
02/10/12 letter from Cap 1(28/09) they thank us for writing to them ?? didn't know we had
they ahve no reason to change their position as set out in their final response and waffle on about McGuffick v Rbs plc(2009) & Waksman in Carey v Hsbc
Will scan in letter for your oppinions

8/12 letter from Nelson Gets a Partner, dated 8/12. They are instructed by Wetcloths acting on behalf of Crap 1 in connection with the outstanding balance. whilst Wetclothis still willing to consider realistic options for repayment, this matter cannot remain outstanding any longer, unless I pay in full or set up a suitable repayment plan in 10 days, further recovery action will be taken, I am to telephone Wetcloths urgently.
now is it just me or do NG&P have the same template as Rockwell in my M&S account??

letter dated 21/12 from Crap1, PLEASE BE AWARE; Your account has moved, they are writing to advise that the account is no longer being managed by the Debt Collection agency who were acting on behalf of crap1

Please work with us to reduce your debt, it is important that you continue to make payments to your account, payments should be made directly to Crap1 unless otherwise notified

please disregard this letter if you have agreed a settlement figure with the DCA and have made that payment

2015
28/09 statement of account from cap 1.no transactions
2017
29/09 statement of account no transactions

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Barclaycard (2)
CSL chasing /Robersway/mkpd
started 1999
balance £3681.29
defaulted 2002 & 2010 I have written about this but they would not answer last letter in which i pointed out I had proof of 1st default
CCA 2010 they sent a small copy of T&C that they say would have been inforce at time of signing
SAR 2012 sent microfiche copy of agreement bur T&C are illegible and only details of this account.
have sent letter pointing out that I require all info held and an original legible copy of agreement

2013 Default has been removed I contacted experian, with proof of the first default, after no joy from Barcs they said they would contact barcs and let me know the outcome,
still waiting for a reply from experian, but on checking file noticed the account had been removed altogether
08/08/2013 CCA request sent (had to send another as hubby hadn't canceled the payments)
19/08 letter from CSL, until you send the fee we cannot process your request

19/08 letter to CSL, you have had the fee you cashed it on the 15/08 the same date as your letter was typed up. you will not be getting another I suggest your accounting dept has a whip round to replace it. the original request received by you on the 09/08 still stands you have until 23/08 to send CCA or this account is in default.
03/09 still waiting#
04/12 letter from berzeks [19/11] your Barclaycard account has now been passed to Allied International credit [uk] Ltd to manage the collection of the balance outstanding on your account.You should contact AIC as a matter of urgency on 0141xxxxxxx who will discuss with your proposals for repayment of the outstanding balance on your account.

now it's a pity they didn't send this letter a fortnight ago when AIC started calling me and then the person on the other end of the phone wouldn't have annoyed me so much that I swore at him!!

phone rings true call says" you have a call from" and a sneary up his own arse voice says " Mr SMITH" and chuckles, so I took the call "hello Mr Smith, how can I help you", am I speaking to Nightwatch? that depends which Mr Smith are you? pardon, which Mr Smith are you? why does that matter? so I can say if I'm nightwatch or not! are you totally stupid? no, but you think I am because you think I believe your name is Mr Smith, well you answered the phone, yes I did and I am also recording this conversation , you can't do that with out telling me first, are you recording this call? we may well be, good then you can play this back and try and understand what is being said, I do not recognize your number, so I haven't asked you to call. I Don't like unsolicited calls from any company so please put every thing in writing and send it to me, and remove any numbers you have from your dialing system, we will phone when we like until you speak to us, as you wish, but I have just spoken to you, and told you I wont again, now Pickle off and stop chuffing wasting my time you muppet.at which point I zapped him

20/12 letter from AIC [17/12] This account has been assigned to us from Barclaycard this means CSL have cocked up
We are unaware of any reason for the non payment and we encourage you to contact our office to resolve the outstanding matter in a timely manner they have been told I've not paid, and to try and get some money from me
If you are experiencing financial difficulty please call us as we are happy to discuss your situation and how we can help resolve we're not really interested we just want to try and scare you into giving us your money, then we can have a good laugh as we talk about it in the pub later
10/01/2014 SWID letter sent
11/01/2014 letter from AIC dated 7th jan. they have been unable to come to an acceptable arrangement with me regarding the repayment of my outstanding balance.coz your not going to get one
This is MY last chance to work together with them think i'll pass, tho it was a difficult choice
It is in MY best interest to come to a mutually acceptable agreement, so please contact them on the number on the letter to discuss the matter further. or I can fill in and sign the enclosed IE form and send it back within 7 days along with an offer of payment.errrm NO
21/02 well AIC have phoned me every day this month lucky for me the truecall baffles them, but have sent off a telephone harassment letter, pointing out that in my January letter (SWID) to them that they signed for on the 13/01, it clearly states All Communication in writing only and that they are not to phone as I will log and record all calls, which WILL be used to make a complaint if necessary

27/02 letter from AIC (24/02) thanking me for my recent letter and confirming that they will be conducting a through investigation into my concerns, Once it is completed they will write to me again
they enclosed a copy of their internal complaints procedure, and end with a final line of.....
In the meantime,If you have any queries, please do not hesitate to contact me on the direct line number below??? my complaint was I wanted no telephone contact!!!!

28/02 letter from AIC they have upheld my complaint and have removed all phone numbers from their records. they have send me £50 for inconvenience caused

16/05 letter from Robson way, well it is typed onto a piece of paper with Barclaycard photocopied at the top, Your account has been passed to Robson way Ltd to manage the collection of the balance outstanding,
You should contact Robbers Way as a matter of urgency, they will discuss with you proposals for repayment of the balance outstanding on your account. at the moment I don't have any proposal to repay this OUTSTANDING account so won't bother to contact them
23/06 letter from RW they are authorised to negotiate repayment of the balance outstanding. please contact us to agree an affordable and sustainable repayment plan based upon your personal circumstances.

dear RW, my circumstances are as follows.
I am not allowed my own opinion on football, cannot dress myself with out my face coming into contact with the floor,door, bed, wall, as I dance around the bedroom with both legs down one trouser leg, often find I have my tshirt on inside out and back to front, normally after a few sherberts,
I am treated like a slave by my family, cooking, washing, cleaning, for up to half an hour a day at least,the rest of the day I am forced to go shopping, have a meal out, visit friends and relatives, natter with the people next door.
My life is appealing, sorry appalling, and now you come wading in with your bully boy tactics of being NICE, well thats it you've gone to far ,I am going to have to revert back to self medication, as the Dr has struck me off his list for free booze,
because of you Bargin booze are going to have a bumper year and I will be back on their staff party list for Christmas,
I hope your happy with yourselves
cheers
p.s. this account is in dispute as no CCA has been received, stop phoning as I wont answer, and my doorstep has been very naughty so is not allowed visitors for the foreseeable future. Ta Ta
SWID letter sent to RW

26/09, letter on Barclaycard headed paper with return address of Bellshill on envelope dated 19/09 they write to inform me that the account was assigned and transferred to MKPD LLP on the 10th Sept so they are now the effective owners,BUT they have appointed MK rapid recoveries as their servicing agents, so, all contact is to be made to MK RR lower down it says I should make payments to MKPD LLP
in the same envelope is a letter on MKPD headed paper telling me that they are the legal owner of the debt due,and how important it is I contact them( upon receipt of the letter) to discuss my options
I must ensure that all future correspondence and payments are sent to MKPD LLP at the address in Milton Keynes, so whats happened to MK RR? which I take it are Milton Keynes Rabid Recovery's

03/10.letter from MKRR dated 30th Sept, further to their recent communication regarding transfer of ownership they have not received my offer of payment.they want to help me and are in a position to help me clear the outstanding balance,BUT... they can only do this after speaking to me. they beg me to call them and discuss ways we can help.they only posted this one 4 days after the first so don't give much time to get back to them, do they?
until they reach an agreement to clear this balance they will continue to contact me by phone or letter so they advise that I contact them to resolve the matter, I take that as a threat of harassment!
06/10 SWID letter to MKRR.
22/10 letter from MKPD (15/10) account on hold while they liaise with the original creditor, they will get back to me. don't rush lad's
30/10 letter from MKPD (27/10) Final Response to my concerns.
They have raised my concerns with Barclays and they have confirmed that they do not have a record of an unresolved dispute on file as this was complied with when? I have only had a minute copy of some T&C that they say would of been in force when the account was opened, CSL never sent me a reply to my CCA request last year but they did cash the payment for it
they continue with what should be provided under S78 CCA ,A copy of the executed agreement (never received) any document referred to in it (er how would you know what was referred to in it, if you have never received it) and a statement of account which they say is; I owe £3,681.29 no breakdown of any payments made.

Due to the current status of my account the full outstanding balance is now due. We are currently unable to provide a copy of the credit agreement. We accept that we are therefore prevented from enforcing the agreement with you while this state of affairs continues.
Notwithstanding that we cannot currently enforce the agreement; our rights continue to exist under the agreement. you should therefore continue to pay the debt that has accrued on your account. We can and will continue to take any action short of enforcement reporting to CRA's and requesting payment from you,they refer to McGuffick v RBS (2009)
They say this completes their obligation under S 78 of the act and they request that I phone them to discuss my account
On this occasion they have been unable to uphold my claim but I do have the right to refer my concern to the FOS within 6 months

20/11 letter form Mkrr(13/11) we have still not received your offer of payment,coz i've not made one we can offer you an instalment arrangement to clear the outstanding balance, £0 a month is fine by me, we can only do this after speaking to you, won't get done then, Please call us to discuss ways we can help, stop asking for money and you won't be disappointed
if you don't contact us we may need to take further action to resolve this, have you read the last letter you sent me?

well since the last letter mkrr have tried to contact me by phone 6 times 3 times in one day on the 28/11 twice yesterday, not checked today's log yet,
now I know that they can make reasonable requests for payment as it is unenforceable till they find any paper work, but I stated quite clearly on the SWID letter i sent to them that I will not discuss any alleged accounts over the phone, all communication is to be in writing, any calls received will be logged by date and time and may be ,indeed in the past have been , used to make a formal complaint of harassment. I think 3 times in one day is harassment,
03/12/14 letter from MKRR dated 28/11/14 ,Please call us to avoid further action, further to our letter offering to help you clear this balance we have not received your offer of payment.not sent one Without your cooperation we cannot offer you any help to reduce this balance and may need to take further action which could involve litigation via the courts to recover this amount. This is something we wish to avoid so please contact us immediately so we can come to an agreement, I have a letter from MKPD that states that they cannot enforce the account as they cannot produce a copy of the agreement, mkrr have phoned 7 times in 3the last days
MKRR: must be a lonely office junior in charge as on checking our call log on the True call, they tried to call me 4 times on the 23rd and at 08,20 am on 24th (Christmas eve) maybe they were hoping to catch me before I sobered up, to get a Christmas tip off me.

JAN 2015
MKRR have sent 2 letters A FINAL WARNING and a we are sending it to KEYNES
MKDP have sent another letter saying they can't enforce as they cannot provide a copy of the agreement
Have started a separate thread here http://forums.all-about-debt.co.uk/showthread.php?16364-Barclaycard-MKRR-threatening-legal-action&p=467392#post467392.
Jan 17th, Notice of intended legal action from Keynes
Jan 19th Threat of Lit letter sent, added a few lines pointing out that;
They were assuming I had not been in contact with MKDP/MKRR, but that I had proof they had received my letters as I had the signature for them.
The last letter from MKRR had given me 7 days to reply but their letter was dated just 4 days later, so I was led to assume that they had no intention on giving me time to reply,
They stated that MKDP LLP had told them to start legal proceedings, yet if they had been in contact with MKDP, they would know that MKDP had themselves written to me twice saying the account was unenforceable as they could not produce a CCA
I enclosed copy of MKDP letter and asked them to confirm with their client that this was in fact the case
28th jan received reply to threat of lit,
They have reviewed the account and can confirm that "due to a clerical error the account was not updated to show as UNenforceable and therefore the letters were issued" I am to accept their sincere appologies for this error,
again they state they cannot supply a full copy of the credit agreement or enfoce the agreement, But I should still pay.


25/09 statement of account from MKDP 0 payments made.

26/09 letter from MKRR following our recent communication regarding transfer of ownership of your balance, we have not received your offer of payments,
WE want to help and are in a position to offer an instalment arrangement to clear the outstanding balance, but we can only do this after speaking with you. Please call us to discus ways we can help.

07/10 letter from HPH2 Notice of assignment, MKDP has assigned the account to HPH2 Ltd, effective from 21/09, They have appointed Robinsonway to organise payment on this account,
letter from RW enclosed in same envelope.

21/10 letter from RW . no mimimum payment required good coz i'm not sending one
07/11letter from RW what are you able to pay? + I&E form, as if!!
30/12 letter RW 50% reduction to help clear the balance, holding out for 100%


2016
07/01, letter from Robinson Way .this account remains unpaid and we want to find a way to help you clear this debt. our client has advised that they will accept a 50% settlement to clear the balance in one payment. if you are unable to make a one off payment we may be able to agree monthly installments,
if neither of these option's is possible for you tell us what you can afford and we will work with you to find a resolution, go online to chat with us

20/02 letter from RW recent activity on your credit file suggests you may have made a significant payment to one of your financial accounts , in view of this we would encourage you to contact us to agree an affordable repayment plan, let me think about it, errrm NO
14/09, letter from RW (08/09/16) they have tried to contact me but haven't had a reply, if i don't contact them they can't help me set up a repayment plan,
they give me three options they may take, Solicitor, Register a default, Phone me. full contents in other thread (link above not working)ignored
22/09 affordable payment plan, gives 3 options i went for number 4 , no payment, no reply

14/10 letter from RW, No minimum payment, pay what you can afford, £0.00 sounds good to me
12/11 letter fron RW, ARE YOU WORRIED ABOUT CONTACTING US?ERRR NO. they continue on about if I call and talk to them in confidence about my circumstances there are a number of options that they could offer to help clear the blance on the account, 1 payment plan that I can afford. 2, Agree a reduction in the ammount owed, 100% would suit me.. 3, if I am in financial difficulty they can put me in touch with oganisations that can offer me free advice and support. too late already found one, 4,any queries contact us and we can help find the right solution for you, I have a solution, agree it's UE and leave me alone

08/12 reduced balance offer pay only33%, not good enough

12/12, we have recently received contact from you regarding another account we hold on our records Tesco and have noticed that we are also dealing with this account which doesn't appear to have an active repayment plan in place,nothing wrong with your eye sight please complete the enclosed I&E form and return it to us with your repayment proposal, if there isn't a repayment plan with the other account what makes you think I am going to set one up on this ?

21/06/17, letter from RW, dated 15th, they have been trying to contact me, no you haven't, they want to help me find a solution to clear this debt, that's nice. If i don't contact them they may :-

refer account to their clients solicitor and ask for the issuence of a CCC, which may result in a CCj being entered, that sounds painfull.plus NO CCA

send a report to CCA's, if less than 6 years from default date, missed that boat by a mile

try to contact you using any telphone numbrs w have on file, or, obtain from 3rd parties, try it and see what happens to the poor sod that i speak to

05/07/17 letter from RW. they tell me again how outstanding my account is, they also give me 3 options of how I could clear this account alas option 4 is not there; pay 0.00 and they will leave me alone. filed

21/07/2017 letter from RW, did you know that more than 300,000of their current customers are paying off their debt on what they can afford'
good for them, if thats the case you don't need my money then, do you !

16/08/17. letter dated 10th/08. they are offering a reduction of 69% and would like me to get in touch should I tell them there is no CCA and I have a letter telling me so? maybe next month

17/10 repeat letter of 16/08, same reply

2018

19/03 they need me to take action, will have to wait till i'm back

28/04 letter from RW telling me "it's important to arrange a repayment plan" I should get intouch today to agree my plan,If I don't contact them I risk further collection activity commencing on this account (alledged) and the debt will not reduce

21/05/18 letter from RW dated 16/05/18, PAY JUST 75% of YOUR OUTSTANDING BALANCE, to clear this account, why do they put it in LARGE letters I can't read it any louder?
this offer is available for only the next 30 days, so please contact us to comfirm beforemaking the payment. so we can ask for more and also see about a payment on any other accounts we might have of yours.
I could also agree to an affordable payment plan based on my curcumstances Call us, or, text call me to xxxxxxxx and we will call you back.don't think so mate
Don't worry if none of the options is the right one for you, we can work with you to find the right one for you. Why not open an online account, because you don't do cash back

21/09 ( dated 17/09/18)They need me to take action Again!! they want me to get intouch and tell them about my situation, They can then agree an affordable repayment plan with me,
the last line reads:_ wewd rather agree an affordable repayment plan with so, office junior?

24/09, letter dated 18/09/18 from Hoist Finance UK Holkdings 1 Ltd my account has been assigned to them from MKDP llP, which is interesting as RW letter of the 17th still says HPH2 have it, It was assigned to HPH2 from MKPD LLP a few years ago?
the assignment has taken place as part of a restructure of Hoist Finance group, so my account has been transferd from one part of the company to another.
so it is now in the hands of HFUKH1L,
But I can still carry on paying RW, or if not paying them, contact them to set up a repayment plan, their address is Quays Reach salford, which is also HFUKH1L address.

so in a nutshell MKDP assigned my account to HPH2, but somehow have now assigned it to the same company with a slightly different name who have said that RW will still service the account, but fail to mention that RW are part of the same company.

2019
12/06, letter from RW. every day we speak to and help people like you, you have never met me, nor spoken to me.I assure you I am not like other people
Now is the time for you to get in touch too. At the moment we can offer you a reduction on the amount you owe,
allegedly owe, at this one moment in time,
they actualy offer a 29% reduction for 30 days from the date of the letter, always a catch, you only have to visit the website to register/login for more information on how to take advantage of this reduction offer
If I am unable to pay this ammount in full, i am to visit the website anyway, as they MAY be able to agree monthly instalments, as an affordable way to pay off the balance
dear RW, many thanks for your recent missive offering such a pityful reduction on the balance of an Unenforceable and SB account.
Having thought it over for 2 seconds ,I, have decided not to take up your offer so will not be logging in to see the details of how to take up this untemping offer,
Nor will I be offering any monthly payments,
I would point out that I should of told you ages ago that it is SB, but not many people write to me now, so a letter from you is such a joy.
I look forward to the next one xxxx

Oct 2020
Letter from RW, exactly the same as the one for my Tesco account [Flexable solutions for challenging times]
so exactly the same reply

15/Feb 2021
letter from Hoist, exactly the same as the Tesco one last week, will file and ignore

01/03
Letter from Hoist, there is a 29% discount on this account available until 25th of march, payment's can even be made over 3 months, if this reduced payment is made by then, the account will be closed and no further payment will be required.
just login online and hit the reduced offer banner
will just file

10/05
Letter from Hoist.
do you need some help to manage your account? NO
Are you not sure how you want to repay your account, I am sure, I am not paying
speak to us you can explain your situation in detail OK, you asked

Once upon a time in a land of milk and honey,
the Bees stopped producing and the milk turned sour.
The kitchen maid in the big house had to give up work to look after family, she went from buying a whole chicken to just a chicken thigh, with bone for added flavor.
But the wicked elves that had let her have virtual money in the past were not willing to help her reduce the amount of real money they wanted in return.
one day she went off in search of some help, following the red haze she came across a strange man that told her about a magic paper, A CCA, he said, ask the elves for it, the maid did as asked, the elves were not happy, "How does a maid know of such things" they cried.
I know, said the big elf, lets send her some paper she won't know the difference, but when the maid showed the strange man what she had been given he laughed and laughed and opened up a portal to a magic world that held all kinds of people ready to help fight the naughty elves.
soon, with the help of some of those people, six, or more, years had passed , the maid had not paid the Elves and the maid now helped others with their problem.
The End. (of the story)

18/06
Letter from Hoist, would I be interested in a "You pay, we pay" plan, let us know how you would like to pay and we will support you.
Don't think so.

26/07
from hoist, Discount available.
I only need to pay £400, the account will be closed, no further payments required.
Snag, contact them first to make sure it is affordable.

18/12/21 Do you need some help to manage your account. Are you not sure how to pay, speak to us we can find a plan that works for you.
Answers, no, i know how (not) to pay, I have a plan that works for me, no need to look any further.

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Lombard cc
started 1999
ballance £2933.05
Defaulted 2008
prorata payments to date

Last payment Feb/March 2012

12/04/12 CCA sent
04/05 letter received (25/04) cannot comply with request as they need my signature
no sig req letter sent
02/06 letter rec,containing original req and payment, no sig req letter, and a covering letter/template,cannot comply without signing request

ok this is getting stupid now.
06/07 letter received dated 29/06, they cannot deal with my request as there is no signiture, they have sent back to me the original req and the payment,wthe the 1st sig req letter, the 1st no sig req letter from me, 2nd sig req letter, 2nd you are not having a signature letter. a new we want a signiture letter and the Envelope I sent them all back in last time

27/07 letter from Mr Munn at Lombard, he is dissappointed that I have failed to comply with our agreement, and unless i make an immediate payment to my account and regular payments thereafter, he will have no alternative but to place my account in the hands of external DCAs without prior warning
14/08 letter from lombard dated 03/08 as I have failed to respond to the banks previous demands(er they refused to send my CCA without a signiture)
they have no alternative but to commence further proceedings for the recovery of the outstanding balance, failure to contact this office within 7 days, 'MAY' result in my account being transferred to external dca without further warning or delay I take it that as it took 11 days to get the letter they 'MAY' have done so already

letter sent to lombard along the lines of, stop playing silly buggers I made a CCA request it is not a DPA request so you dont need a signiture, sent back original CCA and £1.00 payment wanted a reply in 7 days

01/09/12 letter from Triton Credit Services dated 23/08. Lombard bank has placed your account with us for Immediate collection,
To avoid further action I am requested to forward a Cheque for the full amount by return, If I am unable to make this payment by return I am asked to telephone the office immediately by return of what? is Triton not part of RBS?
sold in dispute letter sent to triton
8/9/12 letter from Lombard dated 5/9 they return my CCA request AGAIN(stamped as received 28/9/12) as they require a signature,

21/09 letter from triton(17/09) Notice of legal proceedings, they remain very disappointed that I have failed to settle the debt or make satisfactory repayment proposals
they have now recommended to Lombard that solicitors should be instructed to commence court proceedings against me for the recovery of the debt
they appear to have ignored my "sold in dispute letter" and the fact that Lombard have refused to send my CCA 5 times,
I'm sure a court will be happy to listen to why they have refused, when a signature is not needed, and why they have never answered any questions asked in subsiquent letters to them.

26/09 letter from Triton dated 21/09, they refer to my recent correspondence sold in dispute letter
in view of the nature of my request they will be discussing my account with lombard, who will contact me in due course

The information provided on my financial statement has not been fully completed. errmm I haven't sent them one
In order for them to consider my financial statement can I provide my proposals for the above account ermm my proposal is that untill i receive a Valid CCA from lombard you can whistle
they trust this clarifies the situation for me and await my response It's as clear as mud

13/10 letter from Loonybard.(09/10) it is AGAIN the same template letter stating that they require my signature, but I can't sign it because:-

this time they have kept the original request and the fee, and have returned a copy of my 'Sold in Dispute letter' that was digitally signed. they just get more imposable to understand

02/11, letter from Green & Co Solicitors(29/10) they are instructed by their client, Try it on, who are instructed by, loony barn bank, in connection to my Liability.
despite a formal demand for repayment this account remains unpaid and they are likely to be instructed to commence court proceedings against me, without further notice
HOWEVER i have one final opportunity to make payment of the above amount within the next 7 days, Che ques should be made payable to Try-it-on and sent to the address given,
should their client not receive payment or acceptable payment proposals within 7 days, they are then likely to be to be instructed to commence court proceedings against me on their clients behalf
23/11 letter from Green & co account referred back to Tri-it -on
30/11 letter from Lombard, dated 26th. as they have been unable to contact me or agree a suitable repayment plan they have passed all my account details to Allied international Credit(uk) to act as a collection agent, they should be in contact with me in the next 14 days to discuss my repayment options in detail. now why would they think I am suddenly going to start paying Allied if they can't get anything out of me? and my payment options would be " you send my CCA, and we will discuss from there!
15/12/12 letter from AIC (10/12) they have been passed my details by Lombard to act as collecting agents for my account, whoopy doo

they have a flexible approach to to repaying my account, If i am in financial difficulty their staff are FULLY TRAINED to assist me with my current situation, and have a range of options to help How wonderful
they will be in contact with me in the next 7 days by letter/and or phone to discuss my payment options in detail, or i could phone them.
sold in dispute letter sent 18/12
21/01/13 letter from AIC we have not heard from you
26/01 in dispute letter sent pointing out no CCA has ever been received , even though I had pointed this fact out to Tryton, Green & Co, also will not discuss over phone written communication only.

06/02 letter from AIC dated JANUARY 21 2013 , we have been unable to come to an acceptable agreement
16/02 letter from AIC(11/02) Early settlement offer, as my account remains unpaid they are reviewing my file to consider if further action is warranted,
at this point there is an offer on my account that would allow me to settle the outstanding balance with a discounted value, this payment can be made in upto 4 monthly instalments.I am to contact them for for the details,
If I am unable to meet the agreed settlement I must not hesitate to call and discuss my account where they would be happy to arrange a repayment option based on my current circumstances
6/6 letter from Lombard (29/5) they have now passed my account details to Fredickson International ltd, to act as their new collection agent, any queries about my account should now be addressed to them. Freds will be in contact during the next 14 days BY LETTER to discuss my repayment options in detail. no CCA no discussion sorted
19/06 letter from freds (17/06)a polite letter from them saying they have been appointed by loonybarns to act as collection agents for my account, they have a wide range of options to suit a wide range of individual circumstances and believe that if I have not found a suitable repayment plan before they are sure they can help this time doubt it!!
1/07 letter from freds (28/'06) they have failed to receive a satisfactory response from me to their recent letter,could be coz I didn't send one ? to avoid any further debt recovery action I am to contact them within the next 7 days, i am rather busy this week!
08/07 yellow card dated 04/07 from freds confirming that I live at this address. and saying I haven't responded to recent correspondence gosh they are eager! I am to phone them NOW or my account may be passed to solicitors with aurtorisation to proceed with litigation proceedings against me at this address in their last letter they gave me 7 days to respond which I only received on the 1st so they only gave me 3 days and they included Sunday, they don't open Sundays
18/07/13 SWID letter sent
18/07/13 letter from #cry an barter# dated 15th freds have asked them to contact me, as they have failed to receive a satisfactory response from me regarding payment of my account.that's coz I havent sent one, they ramble on about contacting freds to set up an arrangement or make full payment don't think so! then the line further debt recovery action MAY be taken if i don't make contact.

24/07. Letter from Freds, They thank me for my letter requesting documentation. they cannot provide it, but I can request it from their client, and they give me the address of RBS Southend.In the meantime I am to confirm how I intend to discharge the outstanding balance. The letter i sent was a Sold while in dispute letter, which as you all know points out that a CCA was requested and not complied with.
29/07. letter sent to freds pointing out that CCA was requested last year and could they please read the letter i sent them on the 18th
10/08 letter from Freds they have referred the matter to their clients and will contact me when they are in receipt of instructions, they have placed the account on hold.
25/09 message left on truecall. message for Mrs NW please call fredric.......... just had a letter from tesco saying that account has been passed to freds so the call may have been for that


25/09 letter from freds, Dispite a recent letter from lying smarter solicitors you have failed to discharge your debt with our client, we are prepared to offer you one final opportunity to pay before recommending to our client that further debt recovery action be taken against you. at this late stage as a gesture of goodwill, we are prepared to accept a full and final settlement on this account provided you contact us on 08458888888 straight away


20/12 letter from wescot they are acting on behalf of ROYAL BANK OF SCOTLAND I am to read both sides of the letter follow the instructions and contact them urgently.to avoid them taking further action i should pay the debt in full on line or by post, or contact them by phone.If I don't it will result in them taking further action to recover the debt

02/01/2014 letter form wetcloths 28/12/13. Reminder Notice. their latest enquires have now confirmed that I am still resident at this address but they have not received a reply to our previous correspondence. Uless I contact them to agree repayment of 2,933.05 within the next 10 days, further debt recovery activity will be taken to recover the full outstanding balance
please do not ignore this letter as this could result in further action being taken to recover the debt
09/01 letter from wetcloths[07/01] Reduced settlement offer. as a final attempt to avoid further action their client has agreed that they can offer me a discount to settle my account, to take advantage I should contact them by 17/01/2014 or the offer will be withdrawn and further action will continue. I MUST phone them.
If I cannot take advantage of this offer they will still consider a REALISTIC repayment plan and I should contact them urgently to discuss my options. Unless a suitable repayment plan is inplace in 10 days of the date of this letter, further recovery action will be taken.
11/1 SWID letter sent
24/01 letter from wetcloths dated 21/01 account on hold
29/01. letter from wetcloths [27/01] they have contacted their client who has told them they have perviously written to me asking me to sign my CCA request [ they enclose a copy of a letter sent in October2012 ]
now this letter asked me to sign my s78 request but I couldn't because they had kept the request and fee and sent back a copy of the letter in which I stated that as i was not requesting documentation under the DPA then no siggy was needed
they continue along the lines of this dispute is now resolved and could they have a payment or payment proposals by return

27/02 letter from wescot (21/02) asking me to explain why I am not paying and to set up a repayment plan. no CCA simples
they set out the benefits of setting up such a plan
and end with the unforgettable line "this debt will not go away, now is the time to act" friends romans, countrymen leand me your shears.. not that type of acting???
Contact us on xxxxxxxxxxx and talk to one of our dispicable, sorry 'dedicated' operators to help you make a fresh start. what part of ALL COMMUNICATION TO BE IN WRITING do they not understand?
10/03, letter to Wescot,pointing out the account is UE coz i've had no CCA, I enclosed a copy of the original CCA request, copy of I do not need to sign letter, and a copy of the stop taking the piss letter.
29/03, letter from Lombard [26/03] in a nut shell. they, under stand i have made a request under s78 of the CCA and explain what they have to do,
they then tell me that they are unable to deal with the request coz i've not, signed the request and they require the primary cardholders signature for them to satisfy themselves of the identity under the data protection act.
they say they have returned the request so that I can provide them with the information required
they have sent me back copys of the following
1, my letter of the 10/3 sent to wescot, with not signed on it
2, my letter stating no signature required
3, my stop taking the piss letter, with not signed on it
the copy of the CCA request has been copied on to the back of page 1 of my letter to wecot and page 2 of no signature required letter so how am I supposed to sign it???????
28/04 letter from wescot dated 25/04 account on hold .....watch this space
19/06letter from wescot, they thank me for my patience and confirm they are awaiting further information from their client, they will be in touch in due course , please take your time

[nightwatch]

Re: Nightwatch Hubbys Diary of debt

Barclaycard (3) hubbys
started 2000
ballance £2070
defaulted 2002
prorata payments todate OC

CCA req sent
letter to say request is being dealt with

Letter today, dated 21st May. Due to the current status of your account, the full outstanding balance is now due.

BUT
"we are unable to provide a copy of the terms of your credit agreement as varied in accordance rith 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




Dec 2018 Barcalycard have written to say that they under estimated some payments, they have charged too much in intrest, they are therefore repaying £2.70 to the account to reduce the balance.

[nightwatch]

Re: Nightwatch Hubbys Diary of debt

Sainsbury cc
started 1999
ballance £2277.74
defaulr 2008
now with Cabot
prorata payments to date

CCA sent
Account on hold
31/10 letter from cabot . Please find enclosed all of the relevant information you requested under s77-78 of the CCA1974 We can confirm that we have provided a reconstituted true copy of your credit agreement, which for the avoidance of doubt complies with the Consumer Credit cancellation Notices and copies of documents regulations 1983 and therefore complies with the obligations set out in section[77-78 of the CCA 1974
What Happens next; as we have now complied with your request for information We are able to enforce the credit agreement, which you signed and entered into.Enforcement means that we are able to obtain a County Court judgment against you. however we would prefer that you work with us to set up a repayment plan to settle your outstanding balance
Now me thinks they are being a bit hasty with the threat of CCJ as all they have sent is a copy of some un-dated terms with my name and address on them and a Your right to cancel in the middle between item 4.2 and 5 and a print out of payments made, no sight of the original application or the TC when taken out, so they are FIBBING when they say they can confirm its a recon TRUE copy of my credit agreement
06/11 letter to crapup T&C received

15/11 letter from crapbot, they point out that my balance is £2277.74 and thank me for reducing it to this,they say an ideal solution would be for me to be able to clear the outstanding balance so,,, they have had a look at the length of my repayment plan with them and taking into consideration my age [cheeky bleeders] they can see I will be paying this account back for over 15 years wrong no valid CCA no payments ever again,They have a solution for me that I may be interested in wrong again,They are proposing to accept a lower amount to clear the account, so if I could just find £1366.64, they will accept it as payment to clear the account in full.will just go and check the piggy bank,shake shake, no 2 buttons, 1956 penny, and some fluff This means that my monthly payments can then cease they have already, they would like payment in the next few weeks, A HA they don't have enough for the xmas do,whilst they realise that they are reducing my balance substantially, they do feel it is in MY best interest due to the length of time it will take to repay the full amount, they hope I can see their proposal as a solution to clearing this account and if I would like to take advantage of their offer I am to contact them by phone in the next 14 days.you've bought a lemon, na na nan na na
03/12 letter from crappy botom LIMITED OFFER 30% discount if i reply in 30 days or an attractive repayment plan to clear my debt in less than 5 years
2014
05/02 letter from crabbot exactly the same as the one in the post above (barcs] must of been going through the alpabet on new years eve, it seems it was my turn for the lets try again template,

will send a "read my letter of the 6th nov"

20/03/14, letter from cabot dated 17/03, They are sending my account to another debt collection company,
They say they have tried to work with me for some time to help me repay my account, and despite repeated attempts to contact me and asking me to talk to them about my account, they have still not heard from me.
the have to now start the next stage of recovery action so, they are now passing my account to, Financial Investigations and Recoveries(Europe) Ltd, they will receive their instructions within the next 7 days, If I donot want the account passed to the new company I am to phone them on 0845 xxxx xxx, If they do not hear from me then FI&R will be in touch shortly to agree a repayment plan.

05/04.Letter from Fire(31/03) they are instructed to recover, they are seeking payment, they would like to talk, I am to phone, only received some T&C for this as a CCA
08/04 SWID sent to fire
14/04 letter from cabot, your letter has been passed to us by Fire, (next desk) we understand you have made a request under section 77/78 of the CCA 1974, we note from our records that you have also requested the same from us, to which we responded on the 28/10/13, enclosing some of the relevant information.As we are still awaiting documentation from Sainsburys to comply fully with your request your account will remain on hold until we are able to fully comply with our obligations set out under the CCA
This does not affect the legality of your debt with Cabot but merely renders the agreement unenforceable until such time the credit agreement can be produced. It has well been established in English law that "enforcement" constitutes obtaining judgement at Court. The reporting of a default to the CRA or Cabot requesting repayment of your account does not amount to enforcement. We therefore recommend that you contact us to make repayments to your account and on receipt of the relevant documentation we will supply you with the same