Nightwatch & Hubbys Diary of debt

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

M&S charge cardstarted 1997
balance £1645.23
default 2007
prorata upto date OC not paid since april 2012

12/04 CCA req sent
05/05 letter received, dated 01/05, my repayment plan has now expired they would like me to call them to give them my details and discuss how i expect to clear the debt.
If they dont hear from me they will consider refurring the account to their solicitors. or they may refer it to a DCA
29/05 no CCA received letter sent

18/06 CCA rec will send to Niddy
23/06 letter received from Moorcroft dated 21/06 ' they have been instucted by M N S to to collect my overdue debt' I must make full payment within 7 days' OR' call them IMMEDIATLEY to prevent them recommending further debt recovery action to their client. they and their client do not wish to do this, but if no agreement cannot be reached by 28/06/12 they may have no alternative
they point out that their client has registered a default against my credit file in relation to this account
25/06 Letter fromM n S dated 20/06 they have asked Moorcroft to take responsibility for my account allpayments and queries to them
30/06 another letter from MnS they have asked Moorcroft to ect ect ect....
07/07 letter from Moroncust(05/07) they have been asked by their clients to Increase my outstaning debt by. this will increase my total debt to £1645.23, and I should contact them by 12/07 to discuss an affordable repayment arrangement that will clear this ammount in the shortest possable time.
If I am in receipt of certain benifits they may be able to asist me in establishing payment of this account through the benifits system
20/07 letter from Morecrap.19/07 they feel that I may not be in a position to repay the debt in full,so, to stop them recomending to their client that further debt recovery action should be taken, they are prepared to accept a sensible monthly repayment plan that I can afford to maintain, with this in mind the kind of figure they would be prepared to accept would be £100.00 per month
If I wish to take advantage of this opportunity I should ring them at once,
failure to respond within the next 7 days may leave them with no option but to recommend that further recovery action may be considered,
Do not ignore this letter
I didn't ignore their last letter, I did read it, but as I was not in the least interested in their offer I did not reply

09/08 letter from Midascreditservices dated 03/08 WARNING OF POSSIBLE FURTHER ACTION, they say they are part of Moorcroft and they are aware that I have failed to reach a repayment agreement with moorcroft, clever bloke this as such they have been asked to review what steps may be taken in relation to further debt recovery action. the options include recommending one of the following:

Continue in our attempts to contact you by letter and phone please continue I have a truecall
Instruct a local rep to arrange to call at your home address please do I love visitors, the last double glazing salesman to call would like some company in the basement
Referal of your account for consideration by our Litigation Selection Team err the bloke that signed the letter says he's a litigation Manager??
20/08 letter from Morecrap-home collections devision-my account has been passed to them.this means that a local rep may call at my house. the double glazing bloke is getting excited
they have also been authorised to offer:
a substantial discount of UP TO 25% subject to personal circumstances no, dont think it will tempt me,
Greater discounts may be available and can vary, dependant on current circumstances discount of 90% may work
option of paying the AGREED settlement figure over a period of up to 3 months subject to T&C MY T&C

7.30 tonight (24/09) door bell rings , hubby answers. then walks back and asks me if I am free to talk to a bloke from Moorcroft. NO. he tells him to leave but bloke tries to give him an envelope, Hubby tells him politely to shove it, I go to the door and tell him to leave now, he says he does'nt want to distress me, told him leave then, and he went. pussy cat

28/09 letter from Morectap (27/09) DISCOUNT OFFER they are dissapointed to note that dispite numerous attempts to contact me, no satisfactory agreement has been reached reguarding the debt outstanding,
But to prevent the possability of further debt recovery action their client has informed them that they MAY be able to offer me a substantial discount from my outstanding balance.
If I can agree to an arrangement for payment of a reduced settlement figure over the next 3 months, they will not persue the remaining balance of the debt they dont state the % of discount,and they say THEY will not persue the balance, not that no one will persue
I should contact them immediately err I'm washing my hair
they look forward to hearing from me don't hold your breath

29/10, Letter fromHome Collection Services LTD (27/10)I could be free of this debt if i telephone them and agree to one of the following options:
1/ agree an affordable repayment plan, they will be happy to discuss my financial circumstances with me and agree a monthly plan that I can afford and maintain, If we can reach an agreement they ensure me that no further debt recovery action will be taken while the plan is maintained,

2, Substantial Discount, I am to telephone them for a partial settlement figure. the benifits are;

a discount to help reduce the debt by a substantial ammount do they do 100%

Once the payment has been received and cleared neither they or their client will contact me again concerning this debt, they don't say that no one else will contact me about the rest of it

I am not to ignore this letter I have not ignored i have read it and put it on here ( i may deal with it at a later date)

10/01/2013 letter from M&S account passed to Credit Security Ltd

will wait and see what comes next

[MrsD]

Re: Nightwatch & Hubbys Diary of debt

so what to do now ?

I would send a one line referring them to your letter telling em you've got a ppi claim going on, they appear to have ignored that.

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

I would send a one line referring them to your letter telling em you've got a ppi claim going on, they appear to have ignored that.

thanks Mrs D but have already had the money back and spent it, just waiting for Niddy to get back to me

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

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


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

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

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

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

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

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

will send missing pt for the 4th time

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

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

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


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

13/11/2012 09;20 phone call, but te caller couldn't work out how to get through truecall so all we got was "please phone Buchanan .....
13/11/12 letter from BCW, stating M&S have instructed them to recover the out standing amount, M&S are unaware of any Ligitamate reason for non-payment. they would like us to contact

them so they can have a ' more thorough understanding of our financial circumstances' will send sold while in dispute letter
17/11/12 letter(dated 12/11) from M&S saying they have asked Buchanans to take responsibility of the account BCW will contact us in due course about the overdue amount on the account
30/11 letter from BCW dated 23rd, they thank us for our recent communication and have placed a "cease all action" instruction on the account while they look into our complaint

jan 2013
16/01/13 letter from BCW(14/01) FINAL RESPONSE , they have investigated our clame and concluded our complaint has been refuted.
M&S have stated they sent a copy of our agreement by recorded post in May 2012.Therefore we will continue to persue the outstanding balance with in the context of our clients instruction and the legitamate nature of our business.
Please contact our office directly to discuss the repayment options available to you.

should I send a letter stating that I requested Missing prescribed terms to M&S in may befor it was passed to the 1st DCA and have yet to receive a reply to it and should i enclose the blank form pointing out that there is nothing to link it to anything that was sent as a CCA

[Never-In-Doubt]

Re: Nightwatch & Hubbys Diary of debt

should I send a letter stating that I requested Missing prescribed terms to M&S in may befor it was passed to the 1st DCA and have yet to receive a reply to it

sounds like a plan

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

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

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


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

13/11/2012 09;20 phone call, but te caller couldn't work out how to get through truecall so all we got was "please phone Buchanan .....
13/11/12 letter from BCW, stating M&S have instructed them to recover the out standing amount, M&S are unaware of any Ligitamate reason for non-payment. they would like us to contact

them so they can have a ' more thorough understanding of our financial circumstances' will send sold while in dispute letter
17/11/12 letter(dated 12/11) from M&S saying they have asked Buchanans to take responsibility of the account BCW will contact us in due course about the overdue amount on the account
30/11 letter from BCW dated 23rd, they thank us for our recent communication and have placed a "cease all action" instruction on the account while they look into our complaint

jan 2013
16/01/13 letter from BCW(14/01) FINAL RESPONSE , they have investigated our clame and concluded our complaint has been refuted.
M&S have stated they sent a copy of our agreement by recorded post in May 2012.Therefore we will continue to persue the aoutstanding balance with in the context of our clients instruction and the legitamate nature of our business.
Please contact our office directly to discuss the repayment options available to you.
17/01 letter from BCW (14/01) We wrote to you recently regarding your outstanding balance and regret to note that it still remains outstanding well seen as we only got the recent letter you wrote on the 14/01 yesterday its not given us much time to do anything
All that we ask is that you make contact with us on 0844 xxx xxxx so that we can discuss and gain an understanding of your financial circumstances. If you make contact with us our specialist advisers will be able to provide you with support (good i need holding up after a couple of bottles) and advice, they will be sympatetic to your individual circumstances, and they will help you to find the most appropriate way to take steps towards resolving and closing your account

now is it just me or is the letter sounding like a counceling service leaflet, or along the lines of the local DA meeting (Debtors Anonymous)

[ScabHunter]

Re: Nightwatch & Hubbys Diary of debt

If it was me in this situation, I would send them an exact copy of the Missing PTs letter which was sent last May, along with this covering letter -

“Dear Sirs,

I am in receipt of your letter dated 14th January 2013.

Note that at no time have I initiated a formal complaint. Your so called “final response” is therefore entirely inappropriate and wholly out of context.

You state that “M&S have stated they sent a copy of your agreement by recorded post in May 2012”. I refer you to my letter dated xx May 2012 (whenever you sent the missing PTs letter), which was sent in response. I enclose a copy for your convenience.

Note that this response remains unanswered.

Yours Faithfully,”

SH

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

many thanks SH will be sending asap

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Bos cc
start date 1998
owing £4800
defaulted 2008
prorata payments to Blair oliver & scott up to date
12th april CCA sent
27/04 letter received from Blair ect..dated 23/04, thanking me for my request for A NEW/ UPDATED TEMPORY REPAYMENT PROGRAM ??????
they confirm that my proposal to pay £1.00 a month is acceptable and i should pay them by the 22nd of each month, should I miss one instalment, legal procedings could be instigated without further notice.
£1.00 has been used toward payment of debt and not for CCA

26/07 nothing heard from BOS

5/11 letter from Blurr, Orrible and Snot dated 31/10/12, I AM NOT TO IGNORE THIS LETTER, they are urgently trying to contact me to discuss the repayment of my debt, but I do not appear to have responded to their requests for payment or provided acceptable repayment proposals. now let me see.. Yep thats it !! I am still awaiting my CCA that was requested in April, and I haven't heard off them since the stupid letter of the 24th/4
No CCA received letter sent16/11
21/11 letter Headed from, from Blurb oribble, snot,dated 18/11(Sunday ?) as we havent been able to agree a suitable repayment plan, we've transfered your BOS cc to Robson Way.I am to contact Robbin ways asap, and they give their contact details as Quays Reach Salford which is interesting as it is the return address on the back of the envelope the letter came in.
23/11 09.30am phone call from robway, they obviously cant understand english as my truecall only got ..speak to one of our advisers....
23/11 letter from Robway asking for us to contact them to arrange full payment or an arrangement, if we don't they MAY advise their client to start court action
26/11 phone call from RW different number showing on truecall but they still cant workit out
27/11 same as 26th
28/11 same as 26th & 27 th each time a differant 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 Ive just posted on here,I am to act now, and call them without delayand 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 adversley 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 instalments 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 throug our trucall, no messages left
before cout 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 lettersent 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.

the above is to be paid to robin hoods

will wait for next missive as not replied to recent letter sent

[MrsD]

Re: Nightwatch & Hubbys Diary of debt

it's very plain that no bugger has read anything that you've sent them from the OC on

I might be tempted to sending a letter explaining in words of one syllable that if you take the time to write to them, it is at least polite to read it.

[ScabHunter]

Re: Nightwatch & Hubbys Diary of debt

the above is to be paid to robin hoods

will wait for next missive as not replied to recent letter sent

Was it the pseudo-licitors or Robbingscum themselves who have not replied?

If the last letter was sent to Robbingscum, I'd send this to the pseudo-licitors -

Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

SH

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

it's very plain that no bugger has read anything that you've sent them from the OC on

I might be tempted to sending a letter explaining in words of one syllable that if you take the time to write to them, it is at least polite to read it.

have been sent a free eye test voucher from spec savers so thinking of sending that if they send anymore bullocks

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

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

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


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

13/11/2012 09;20 phone call, but te caller couldn't work out how to get through truecall so all we got was "please phone Buchanan .....
13/11/12 letter from BCW, stating M&S have instructed them to recover the out standing amount, M&S are unaware of any Ligitamate reason for non-payment. they would like us to contact

them so they can have a ' more thorough understanding of our financial circumstances' will send sold while in dispute letter
17/11/12 letter(dated 12/11) from M&S saying they have asked Buchanans to take responsibility of the account BCW will contact us in due course about the overdue amount on the account
30/11 letter from BCW dated 23rd, they thank us for our recent communication and have placed a "cease all action" instruction on the account while they look into our complaint

jan 2013
16/01/13 letter from BCW(14/01) FINAL RESPONSE , they have investigated our clame and concluded our complaint has been refuted.
M&S have stated they sent a copy of our agreement by recorded post in May 2012.Therefore we will continue to persue the outstanding balance with in the context of our clients instruction and the legitamate nature of our business.
Please contact our office directly to discuss the repayment options available to you.
17/01 letter from BCW (14/01) We wrote to you recently regarding your outstanding balance and regret to note that it still remains outstanding well seen as we only got the recent letter you wrote on the 14/01 yesterday its not given us much time to do anything
All that we ask is that you make contact with us on 0844 xxx xxxx so that we can discuss and gain an understanding of your financial circumstances. If you make contact with us our specialist advisers will be able to provide you with support (good i need holding up after a couple of bottles) and advice, they will be sympatetic to your individual circumstances, and they will help you to find the most appropriate way to take steps towards resolving and closing your account

dispute letter sent to BCW pointing out that an invallid CCA has been received and that I WILL NOT discuss the account over the phone!

29/01 letter from BCW dated 26/01. BCW are here to help. overdue debts can have a serious affect on your credit file ,they can also prevent or make it more difficult for you to obtain finance at all in the future.
Make us an offer blah.. blah.. blah...
NO MORE LETTERS OR PHONE CALLS. when you enter into a payment arrangement, as long as you make your repayments on time you will not receive phone calls or letters from us for a minimum of 6 months, at which point we will contact you to review your circumstances. Phone us today..

now how do they know I want finance in the future? and what part of I dont discuss anything over the phone do they not understand. love the bit at the bottom that states NO calls then says they will call you after 6 months, will ignore and see if they answer my Dispute letter

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

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

12/04 CCA sent
04/05 letter received (25/04) cannot comply with request as they need my signiture
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 signiture 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 dissapointed 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 alternativebut 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 transfered 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 signiture,

21/09 letter from triton(17/09) Notice of legal proceedings, they remain very dissapointed that I have failed to settle the debt or make satisfactory repayment proposals
they have now recomended 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 signiture is not needed, and why they have never answered any questions asked in subsiquent letters to them.

26/09 letter fromTriton 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 compleated. 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 signiture, 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 digitaly signed. they just get more impossable 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.
dispite 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 ammount within the next 7 days, Cheques should be made payable to Try-it-on and sent to the address given,
should their client not receive payment or accepable 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 refered 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 incontact 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 flexable 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 wonderfull
they will be incontact with me in the next 7 days by letter/and or phone to discuss my payment options in detail, or i could phone them. sending Sold in Dispute letter Monday

AIC keep phoning but not leaving any messages as they can't seem to understand the trucall, or have read my letter that states clearly that I won't discuss over the phone and all calls are logged and recorded