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  • #1

    stuffthebanks' UE diary

    Argos card

    Started: September 2001
    Balance: £1053..
    Last payment made £10.00 October 2011
    Not paying anything at all
    Status: Argos sold to Lowell's on 3/11/2011

    30/11/2011 ..Letter of sale from Argos..and Lowell introduction letter received.
    5/12/11....CCA and SAR request sent to Argos
    12/12/11...LETTER RECEIVED FROM LOWELL..we are here to help..I do not reply...
    22/12/11...CCA request received from Argos....Its an application form.... unenforceable.....
    23/12/11..Letter from Lowell...We want to help you clear your account.....I do not reply
    3/1/12...We would like to help you free up your finances...I do not reply
    13/1/12...Statement of account from Lowell....Showing a payment of £30.00 not sure where it came from....Do not reply..
    16/1/12..We can still help you....What you could face if we don't hear from you....Do not reply...
    Last edited by IF; 9 April 2014, 10:44.
    Steve
    Tags: application form, banks, barclaycard, barclays, breach, bust, capital, card, cca, court, credit, credit card, date, dca, dca's, debt, employee, fine, football, game, ico, leeds, legal, letter, lowell, mbna, missing, money, niddy, phone, prescribed terms, recorded post, sar, state, support, template, template letter, templates, threat, threats, ue diary, unenforceability, updates
  • #2
    Re: Stuff the banks ue diary

    Very catalogue

    Started : July 2004...Account started back in 2001 as Argos,then changed to Argos Additions,Then Additions and finally to Very...
    Original account as Argos back in 2001
    Balance:£1804
    Last payment:November 2012 £30.00
    Now paying:Nothing

    Status:No CCA PRODUCED..Account in default

    Financial difficulties meant the £120 per month could no longer be met..so....I will try to be as precise as possible..

    30/8/11..Arrears collection dept..Account is in arrears.
    5/9/11...Letter sent to Very asking for help in reduced payments.
    Income and expenditure also sent.
    12/9/11..Letter sent to Very..Telephone harassment letter sent.
    13/9/11...Letter from Very...Unable to accept my proposals..
    16/9/11...Letter from arrears collection dept.
    22/9/11..Letter sent to Very..telling them they are being unreasonable.
    26/9/11..Letter from arrears collection dept.
    28/9/11..Letter from Very...Unable to accept payment proposals
    7/10/11..Letter from Very...unable to accept proposals..
    7/10/11..Take me to court template letter sent to Very.
    10/10/11..Letter to Very...Telephone harassment template sent to Very.
    13/10/11...Letter from Very..Acknowledgement of complaint from Very.
    18/10/11...Letter sent to Very...Another complaint regarding phone calls and the ignorance in response to our financial situation.
    20/10/11...Letter from Very...regarding my recent letter..its all down to the auto dialler...and we need to ring to arrange payment plan...
    We did ring..and they would not accept payment offer,and that we could only set up plan through someone that manages a DMP....
    10/11/11..CCA and SAR request sent to Very..
    24/11/11...Letter from Very...They have agreed a payment plan of £30.00 per month,and interest frozen for 12 months.
    5/12/11....CCA default letter sent to Very..
    22/12/11...SAR received from Very...
    14/1/11..Usual monthly statement received from Very...no charges showing...
    Steve

    Comment

    • #3
      Re: Stuff the banks ue diary

      Very catalogue

      Started : July 2004...Account started back in 2001 as Argos,then changed to Argos Additions,Then Additions and finally to Very...
      Original account as Argos back in 2001
      Balance:£1804
      Last payment:November 2012 £30.00
      Now paying:Nothing

      Status:No CCA PRODUCED..Account in default

      Financial difficulties meant the £120 per month could no longer be met..so....I will try to be as precise as possible..

      30/8/11..Arrears collection dept..Account is in arrears.
      5/9/11...Letter sent to Very asking for help in reduced payments.
      Income and expenditure also sent.
      12/9/11..Letter sent to Very..Telephone harassment letter sent.
      13/9/11...Letter from Very...Unable to accept my proposals..
      16/9/11...Letter from arrears collection dept.
      22/9/11..Letter sent to Very..telling them they are being unreasonable.
      26/9/11..Letter from arrears collection dept.
      28/9/11..Letter from Very...Unable to accept payment proposals
      7/10/11..Letter from Very...unable to accept proposals..
      7/10/11..Take me to court template letter sent to Very.
      10/10/11..Letter to Very...Telephone harassment template sent to Very.
      13/10/11...Letter from Very..Acknowledgement of complaint from Very.
      18/10/11...Letter sent to Very...Another complaint regarding phone calls and the ignorance in response to our financial situation.
      20/10/11...Letter from Very...regarding my recent letter..its all down to the auto dialler...and we need to ring to arrange payment plan...
      We did ring..and they would not accept payment offer,and that we could only set up plan through someone that manages a DMP....
      10/11/11..CCA and SAR request sent to Very..
      24/11/11...Letter from Very...They have agreed a payment plan of £30.00 per month,and interest frozen for 12 months.
      5/12/11....CCA default letter sent to Very..
      22/12/11...SAR received from Very...
      14/1/11..Usual monthly statement received from Very...no charges showing...
      4/1/12...Acknowledgement of my putting account into default because of no CCA..
      1/2/12...Letter from Very...Further to the letter sent on 4th Jan..investigation continuing and final response by 28th Feb..
      Steve

      Comment

      • #4
        Re: Stuff the banks ue diary

        Argos card

        Started: September 2001
        Balance: £1053..
        Last payment made £10.00 October 2011
        Not paying anything at all
        Status: Argos sold to Lowell's on 3/11/2011

        30/11/2011 ..Letter of sale from Argos..and Lowell introduction letter received.
        5/12/11....CCA and SAR request sent to Argos
        12/12/11...LETTER RECEIVED FROM LOWELL..we are here to help..I do not reply...
        22/12/11...CCA request received from Argos....Its an application form.... unenforceable.....
        23/12/11..Letter from Lowell...We want to help you clear your account.....I do not reply
        3/1/12...We would like to help you free up your finances...I do not reply
        13/1/12...Statement of account from Lowell....Showing a payment of £30.00 not sure where it came from....Do not reply..
        16/1/12..We can still help you....What you could face if we don't hear from you....Do not reply...
        1/2/12...Letter from Lowell's....Our next steps....this is the last time they will contact me,it will be passed on to Red next...(Surprise,surprise)Also they drone ofn about taking me to court to petition for bankruptcy....Is that a threat??????
        Its not too late to make them an offer...
        Still ignore....any thoughts???
        Steve

        Comment

        • #5
          Re: Stuff the banks ue diary

          Originally posted by stuff the banks View Post
          Argos card

          Started: September 2001
          Balance: £1053..
          Last payment made £10.00 October 2011
          Not paying anything at all
          Status: Argos sold to Lowell's on 3/11/2011

          30/11/2011 ..Letter of sale from Argos..and Lowell introduction letter received.
          5/12/11....CCA and SAR request sent to Argos
          12/12/11...LETTER RECEIVED FROM LOWELL..we are here to help..I do not reply...
          22/12/11...CCA request received from Argos....Its an application form.... unenforceable.....
          23/12/11..Letter from Lowell...We want to help you clear your account.....I do not reply
          3/1/12...We would like to help you free up your finances...I do not reply
          13/1/12...Statement of account from Lowell....Showing a payment of £30.00 not sure where it came from....Do not reply..
          16/1/12..We can still help you....What you could face if we don't hear from you....Do not reply...
          1/2/12...Letter from Lowell's....Our next steps....this is the last time they will contact me,it will be passed on to Red next...(Surprise,surprise)Also they drone ofn about taking me to court to petition for bankruptcy....Is that a threat??????
          Its not too late to make them an offer...
          Still ignore....any thoughts???
          I Would send this now...> Account Sold whilst in Dispute
          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

          • #6
            Re: Stuff the banks ue diary

            Thanks I2d...
            Thing is the debt was sold before i applied for the cca and SAR...
            Now the cca is unenforceable,as you guys have already looked at that...but i still await my SAR which is over 40 days now.
            Every bone in my body is screaming out to go to Lowell's and tip a ton of manure right on there doorstep,but i still think ignoring is best...they do not know of the failure to produce the SAR,and i dare say they are unaware of the crappy CCA.....
            What do you think....Manure or ignore??????
            Steve
            Steve

            Comment

            • #7
              Re: Stuff the banks ue diary

              Ignore for now. It's more ammunition
              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

              Comment

              • #8
                Re: Stuff the banks ue diary

                I will keep the manure ready then guys.....ignore for now it is....
                Steve

                Comment

                • #9
                  Re: Stuff the banks ue diary

                  Argos card

                  Started: September 2001
                  Balance: £1053..
                  Last payment made £10.00 October 2011
                  Not paying anything at all
                  Status: Argos sold to Lowell's on 3/11/2011

                  30/11/2011 ..Letter of sale from Argos..and Lowell introduction letter received.
                  5/12/11....CCA and SAR request sent to Argos
                  12/12/11...LETTER RECEIVED FROM LOWELL..we are here to help..I do not reply...
                  22/12/11...CCA request received from Argos....Its an application form.... unenforceable.....
                  23/12/11..Letter from Lowell...We want to help you clear your account.....I do not reply
                  3/1/12...We would like to help you free up your finances...I do not reply
                  13/1/12...Statement of account from Lowell....Showing a payment of £30.00 not sure where it came from....Do not reply..
                  16/1/12..We can still help you....What you could face if we don't hear from you....Do not reply...
                  1/2/12...Letter from Lowell's....Our next steps....this is the last time they will contact me,it will be passed on to Red next...(Surprise,surprise)Also they drone ofn about taking me to court to petition for bankruptcy....Is that a threat??????
                  Its not too late to make them an offer...
                  Still ignore....any thoughts???
                  17/2/12..Just back from a break,and letter received from Red...threats to apply to the courts for CCJ...or if account meets certain criteria apply for a statutory demand....I wont respond..unless anyone thinks otherwise???
                  Steve

                  Comment

                  • #10
                    Re: Stuff the banks ue diary

                    Very catalogue

                    Started : July 2004...Account started back in 2001 as Argos,then changed to Argos Additions,Then Additions and finally to Very...
                    Original account as Argos back in 2001
                    Balance:£1804
                    Last payment:November 2012 £30.00
                    Now paying:Nothing

                    Status:No CCA PRODUCED..Account in default

                    Financial difficulties meant the £120 per month could no longer be met..so....I will try to be as precise as possible..

                    30/8/11..Arrears collection dept..Account is in arrears.
                    5/9/11...Letter sent to Very asking for help in reduced payments.
                    Income and expenditure also sent.
                    12/9/11..Letter sent to Very..Telephone harassment letter sent.
                    13/9/11...Letter from Very...Unable to accept my proposals..
                    16/9/11...Letter from arrears collection dept.
                    22/9/11..Letter sent to Very..telling them they are being unreasonable.
                    26/9/11..Letter from arrears collection dept.
                    28/9/11..Letter from Very...Unable to accept payment proposals
                    7/10/11..Letter from Very...unable to accept proposals..
                    7/10/11..Take me to court template letter sent to Very.
                    10/10/11..Letter to Very...Telephone harassment template sent to Very.
                    13/10/11...Letter from Very..Acknowledgement of complaint from Very.
                    18/10/11...Letter sent to Very...Another complaint regarding phone calls and the ignorance in response to our financial situation.
                    20/10/11...Letter from Very...regarding my recent letter..its all down to the auto dialler...and we need to ring to arrange payment plan...
                    We did ring..and they would not accept payment offer,and that we could only set up plan through someone that manages a DMP....
                    10/11/11..CCA and SAR request sent to Very..
                    24/11/11...Letter from Very...They have agreed a payment plan of £30.00 per month,and interest frozen for 12 months.
                    5/12/11....CCA default letter sent to Very..
                    22/12/11...SAR received from Very...
                    14/1/11..Usual monthly statement received from Very...no charges showing...
                    4/1/12...Acknowledgement of my putting account into default because of no CCA..
                    1/2/12...Letter from Very...Further to the letter sent on 4th Jan..investigation continuing and final response by 28th Feb..
                    17/2/12..Normal statement received....no charges added...but acknowledge a failed payment from January...
                    Steve

                    Comment

                    • #11
                      Re: Stuff the banks ue diary

                      Originally posted by stuff the banks View Post
                      Argos card

                      Started: September 2001
                      Balance: £1053..
                      Last payment made £10.00 October 2011
                      Not paying anything at all
                      Status: Argos sold to Lowell's on 3/11/2011

                      30/11/2011 ..Letter of sale from Argos..and Lowell introduction letter received.
                      5/12/11....CCA and SAR request sent to Argos
                      12/12/11...LETTER RECEIVED FROM LOWELL..we are here to help..I do not reply...
                      22/12/11...CCA request received from Argos....Its an application form.... unenforceable.....
                      23/12/11..Letter from Lowell...We want to help you clear your account.....I do not reply
                      3/1/12...We would like to help you free up your finances...I do not reply
                      13/1/12...Statement of account from Lowell....Showing a payment of £30.00 not sure where it came from....Do not reply..
                      16/1/12..We can still help you....What you could face if we don't hear from you....Do not reply...
                      1/2/12...Letter from Lowell's....Our next steps....this is the last time they will contact me,it will be passed on to Red next...(Surprise,surprise)Also they drone ofn about taking me to court to petition for bankruptcy....Is that a threat??????
                      Its not too late to make them an offer...
                      Still ignore....any thoughts???
                      17/2/12..Just back from a break,and letter received from Red...threats to apply to the courts for CCJ...or if account meets certain criteria apply for a statutory demand....I wont respond..unless anyone thinks otherwise???
                      I Would send this...>....
                      Threat by Creditor - To Commence Litigation
                      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

                      • #12
                        Re: Stuff the banks ue diary

                        Just received responses from CAPITAL ONE and MBNA to my CCA requests....
                        Any chance you can take a look Nid....
                        Steve
                        Steve

                        Comment

                        • #13
                          Re: Stuff the banks ue diary

                          Originally posted by in 2 deep View Post
                          I Would send this...>....
                          Threat by Creditor - To Commence Litigation
                          Hello Itd, thanks for your reply....
                          I'm not sure about that response to be honest....bearing in mind i have not made any sort of contact with them at all.
                          I was thinking leave it and see what they send next, bearing in mind i still have not received the SAR from Argos.The OC..and thats been nearly 60 days now......
                          Do you think silence is not the way to go from now onwards then??
                          Cheers.
                          Steve

                          Comment

                          • #14
                            Re: Stuff the banks ue diary

                            Originally posted by stuff the banks View Post
                            Hello Itd, thanks for your reply....
                            I'm not sure about that response to be honest....bearing in mind i have not made any sort of contact with them at all.
                            I was thinking leave it and see what they send next, bearing in mind i still have not received the SAR from Argos.The OC..and thats been nearly 60 days now......
                            Do you think silence is not the way to go from now onwards then??
                            Cheers.
                            Up to you ....just saying that I would send 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

                            • #15
                              Re: Stuff the banks ue diary

                              Originally posted by in 2 deep View Post
                              Up to you ....just saying that I would send it...!!!!!
                              Thanks Itd,
                              I think on reflection i should respond.
                              Will send out on Monday.
                              Cheers once again..
                              Steve

                              Comment

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