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  • Re: Nightwatch & Hubbys Diary of debt

    Originally posted by Never-In-Doubt View Post
    nothing! Youre not worried about a default, are you?
    its dropped off
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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    • Re: Nightwatch & Hubbys Diary of debt

      Bloody hell, feel sorry for hubby.

      Comment


      • Re: Nightwatch & Hubbys Diary of debt

        Originally posted by Enforcer View Post
        Bloody hell, feel sorry for hubby.
        that dropped off couple of years ago, I feel sorry for hubby, he's stuck with me . girlfriend dumped him years ago
        Last edited by nightwatch; 18 June 2013, 18:38. Reason: missing bits !!
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment


        • Re: Nightwatch & Hubbys Diary of debt

          Originally posted by nightwatch View Post
          that dropped off couple of years ago, I feel sorry for hubby, he's stuck with me . girlfriend dumped him years ago
          lol you make me laugh, it was hubbies 50th last Saturday and a friend bought him a telescope , on the Sunday we went to bed and the sky was really clear so i said to him 'why don't you get your telescope out ?'
          he replied, ' i haven't heard it called that before '

          i couldn't stop laughing for ages : : :
          _______________________________________



          Comment


          • Re: Nightwatch & Hubbys Diary of debt

            Originally posted by nightwatch View Post
            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 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 belive that if I have not found a suitable repayment plan befor they are sure they can help this time doubt it!!
            will send SWID and don't phone letter, when I can get round to it
            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment


            • Re: Nightwatch & Hubbys Diary of debt

              Keep plodding NW. You're getting closer to the bottom of the barrel with Freds and the Lombard fiasco.

              Comment


              • Re: Nightwatch & Hubbys Diary of debt

                Originally posted by nightwatch View Post
                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, 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.

                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 ballance 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
                Contactmust 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 phonecalls, 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 againts you at your current address thats 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.

                ok what do I send now. ue CCA received or missing PT again
                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                Comment


                • Re: Nightwatch & Hubbys Diary of debt

                  I personally wouldn't bother responding at all to that Nightwatch. It's not threatening. I'd wait and see what they send next.

                  If they haven't sent the original terms they're still in default and they know it. Hence their offer to tempt you

                  Comment


                  • Re: Nightwatch & Hubbys Diary of debt

                    I too would ignore them. Wasting your time!

                    Comment


                    • Re: Nightwatch & Hubbys Diary of debt

                      thanks for the reply's will ignore,
                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                      Comment


                      • Re: Nightwatch & Hubbys Diary of debt

                        Originally posted by nightwatch View Post
                        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 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 faild 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!
                        If I can find the time will send SWID
                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment


                        • Re: Nightwatch & Hubbys Diary of debt

                          Let your smile change the world but don't let the world change your smile


                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

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                          • Re: Nightwatch & Hubbys Diary of debt

                            Originally posted by nightwatch View Post
                            Tesco cc
                            start date 1999
                            balance£4730.11
                            defaulted 2003
                            prorata payments up to date OC

                            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 disapointed to note that I have failed to comply with 'OUR' agreement,unles '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,"futher 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 dont 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 disscuss a repayment plan.
                            20/02 was going to send thret 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 hav not sent me my CCA /unenforcable/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,dispite previous correspondance 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 thay 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 newby 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 ther is an outstanding query on the account I must telephone no later than 08/07 i'm busy washing my hair
                            they woul emphasise 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
                            They have had the, All communication in writing I will not discuss over the phone letter, along with the, My doorstep will not require a visit message in April, so if anyone turns up they are in for a mouthful
                            will file and see what happens next.
                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment


                            • Re: Nightwatch & Hubbys Diary of debt

                              Originally posted by nightwatch View Post
                              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 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

                              suppose I had better send the SWID/dont phone/my doorstep has been kidnapped letter, with a one liner thanking them for confirming where I live, but should they not have done that before sending out a letter with so many details contained in it
                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                              Comment


                              • Re: Nightwatch & Hubbys Diary of debt

                                Freds like big yellow cards saying they know where you love. I don't know why they think that will scare you into paying
                                Let your smile change the world but don't let the world change your smile


                                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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