mehim's UE Diary

[Mehim]

Re: mehim's UE Diary

many thanks Vint

[vint1954]

Re: mehim's UE Diary

Hi Mehim,

You will find them here. http://www.all-about-debt.co.uk/inde...eiving-letters

Depends which reason they have not complied with s78

Looks like you have sent the missing PT's letter. If that is still the situation, you just need a one liner referring them to that letter. Also send a copy.

[Mehim]

Re: mehim's UE Diary

Hi Vint,

many thanks for that, could you check post #598 and point me in the right direction for the reply if you are able too.

Many thanks

[vint1954]

Re: mehim's UE Diary

Busy day for me lol,

Reference Nationwide post #9

Got a letter from CSL, they want to come meet me, I`ll nail the doorstep down just in case and in the next few days, I have 10 so I`m in no hurry, I`ll get a copy of the Scottish doorstep marauders letter off to them.

Again all my thanks for the help.

TY

yep, that's the one Mehim

[Mehim]

Re: mehim's UE Diary

Busy day for me lol,

Reference Nationwide post #9

Got a letter from CSL, they want to come meet me, I`ll nail the doorstep down just in case and in the next few days, I have 10 so I`m in no hurry, I`ll get a copy of the Scottish doorstep marauders letter off to them.

Again all my thanks for the help.

TY

[Mehim]

Re: mehim's UE Diary

Tesco Credit Card

Start: 2006 corrected to 2003
Balance: £7,500 Now £7965.55
Last Full: 2012
Status: Enforceable but a f*cked up default notice.
DCA: Allied International Credit, now Fredrickson InternationalLimited

2012

Feb 10th:
CCA request letter sent.

Feb 24th: No response to my CCA request. Ignoring till they respond.

March 17th:
Letter with CCA received. I`m not too sure what pages I should be emailing Niddy.

EMAILING NIDDY

March 21st:
2 letters from Tesco, lucky me.
First is telling me they haven`t received a payment. Please contact them.
Second is a default sum notice for £12. That wont be paid either.

Niddy is checking the CCA I got from them regarding this card.

Niddy says

March 27th:
Sent missing pt template letter
March 27th:
Letter from them, Contact us urgently to discuss this account. They also called, I told them to bugger off and put it in writing
April 7th:
Letter telling me I haven`t paid.
April 11th:
Letter wanting me to contact them urgently.
April 19th:
Letter , Notice sent because I am behind with payments.
April 19th:
Letter, Default Sum Notice.
April 20th:
Letter re them complying with s78.
"I must therefore inform you that we see no reason to enter into further correspondence with you about alleged CCA breaches. If you are not satisfied with this response, you may seek whatever legal redress you consider open to you"
They do not consider the account to be in dispute.
April 23rd:
Sent the following to them. Our Templates | Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status
April 24th:
Letter from them. Contact their office urgently to discuss this account. RIGHTTTTTTT
May 10th:
Sending them the telephone harassment template letter.
May 25th:
Another Default Sum Notice.
May 25th:
Covering letter with a default notice. opps, think they did a royal f#ck up. Covering letter tells me a set number of days to remedy the default. Default notice also gives me a set number of days, no actual date.
June 14th:
Letter terminating the alleged CCA
July 6th:
Letter from Tesco "You must Pay" You have been issued with a Termination Notice and account has been passed to our recoveries team. To avoid further action pay now.
July 20th:
Letter telling me I still haven`t paid (I knew that) but it still not too late. They may have to take further action but prefer not to. If they don`t hear from me they will have no alternative. Contact us immediately.
31st July:
Letter saying "We are considering legal action to recover your debt" What this could mean, a CCJ or a Court Decree in Scotland. If you still don`t pay they may ask the court to enforce, take it from my wages, ( they will be lucky), or if a home owner etc. (house is now in OH`s name). We prefer to come to an arrangement with you to settle this debt.
7th August 2012:
Sent Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation letter.
17th August:
Another letter from them.

Further action to recover your debt

Due to the absence of an acceptable repayment arrangement and despite several attempts to contact you todiscuss this matter. we will shortly commence further action against you with the assistance of Debt Collection Agencies or Solicitors.

If you don`t make a payment or agree to a repayment plan within seven days, we will commence further action against you.
6th Sept:
Another letter from Tesco threatening further action and another 7 days to contact them
20th Sept:
Letter from AIC.
"The above account has been assigned to us from our client, Tesco Bank with regards to the non payment of the outstanding balance.
We are unaware of any reason for the non payment and we encourage you to contact our office immediately to resolve the outstanding matter in a timely manner."
24th Sept:
Account sold in dispute template sent to AIC
29th Sept:
Reply from AIC. Assholes didn`t read the letter I sent. They say as I`m requesting a copy of the CCA, Tesco Bank require a £1.00 fee and if I want statements another £10.00 fee both payments made payable to AIC.

Same envelope another letter from AIC with a copy of my letter attached. This one says I have to contact Tesco Bank for the statements and pay them as they are the legal owners of the debt.

2013

27th March:
Letter from Fredrickson International, they have been instructed by Tesco Bank to collect
29th March:
Account in Dispute and In Writing Only, off to Freds
13th April:
Letter from Freds,informing me that I need to write to Tesco if I want info under s77-79 of the Consumer Credit Act 1974 and send them £1. Account on hold for 14 days till I get the info.
30th April:
Letter to Freds in reply to their one dated 12th April
10th May:
Latest from Fred`s, thanking me for communicating with them. Matter referred to their client, will get back to me once they receive their instructions, Account on hold till then.
13th May:
Letter from Fred`s, thanking me for my letter dated 30th April. They have been advised that my request was complied with in August 2012. All further queries regarding these documents must be sent directly to them and a fee may apply. Signed by Fredrickson International.
13th May:
Letter from Fred`s, thanking me for my letter dated 30th April. They have been advised that my request was complied with in August 2012. All further queries regarding these documents must be sent directly to them and a fee may apply. Unsigned.
23rd May:
Another letter from Fred`s, ffs they don`t allow much time to respond.

Say they wrote recently and I have failed to send an adequate response. Clear the arrears immediately to prevent continued action to recover this (alleged) debt.
5th June:
Latest from Fred`s, Despite attempts to negotiate a settlement of the above account, we still do not have a current arrangement in place, no chit sherlock
27th June:
Latest from Fred`s, despite previous correspondence I have failed (miserably I might say) to discharge this debt with their client.

Good morning All,

latest from Fred`s letting me know I`ve not paid this alleged debt.

They are prepared to offer one final opportunity to before referring back to the client with a recommendation to take further action.
Also offering at this late stage, as a gesture of goodwill, they are prepared to accept a full and final settlement on the account provided I contact them within 48 hours of receipt of the letter. opps too late, silly me.

I`m think there is a reply somewhere regarding the client failing to complying with s78. despite them saying they have.

I`d be grateful if someone could point me in the correct direction.

Many thanks for all the help received from this magnificent forum.

TY

[pepe2008]

Re: mehim's UE Diary

Pot of silver for those who succeed. Walk the plank for those that don't!

Now that I don't work for one of their Associated Companies ( NOT in the DC field!) a little dicky bird told me that a certain DCA who's name is an anagram of CLD has only been getting in 20% of expected recoveries on it's Clients bad debts... Good.

[SA Gold]

Re: mehim's UE Diary

Lot of Planks working for them.

Planks with Red Crayons who can think of scary names

[The Tech Clerk]

Re: mehim's UE Diary

Pot of silver for those who succeed. Walk the plank for those that don't!

Lot of Planks working for them.

[SA Gold]

Re: mehim's UE Diary

end of the month chaps, commission payments must be down..................

Pot of silver for those who succeed. Walk the plank for those that don't!

[MrsD]

Re: mehim's UE Diary

end of the month chaps, commission payments must be down..................

[The Tech Clerk]

Re: mehim's UE Diary

Or someone at the DCA getting the whip out!

ohhhh!!!!!!!!

[SA Gold]

Re: mehim's UE Diary

so many begging letters these days = sign of the times! must be near bonus time?

Or someone at the DCA getting the whip out!

[Pixie]

Re: mehim's UE Diary

I would ignore it if it were me.

[The Tech Clerk]

Re: mehim's UE Diary

so many begging letters these days = sign of the times! must be near bonus time?