mehim's UE Diary

[Mehim]

Re: mehim's UE Diary

Morning All,

any pointers regarding the above account.

Should i send copies of the LBA`s to Niddy for his input?

Many thanks.

[Pixie]

Re: mehim's UE Diary

I would send this ---> http://forums.all-about-debt.co.uk/s...-action-letter

I have a feeling it was originally written in response to an LBA from Keynes but I can't remember which thread.

[Deepie]

Re: mehim's UE Diary

Morning All,

any pointers regarding the above account.

Should i send copies of the LBA`s to Niddy for his input?

Many thanks.

Sorry this got missed...

Have a look here---> Letter before action letter

Just edit to suit

[Pixie]

Re: mehim's UE Diary

Snap Deepie

[Mehim]

Re: mehim's UE Diary

Hi Pixie, Deepie,

Many thanks, I will get that edited to suit and fire a copy to them for each of the two accounts.

Slight panic over lol

Thank you

[Mehim]

Re: mehim's UE Diary

Hi Folks,

Just a quickie regarding the docs I am asking Keynes to produce using the linked letter, I recall a thread somewhere and a Deed of Assignment was talked about as well as the usual Notice of Assignment.

Is there any mileage in asking for the Deed of Assignment as well as the notice?

Many thanks in advance.

Just noticed as well both LBA`s have the same ref no on them from these pillocks, wonder which they will read as belonging to which account lol

[vint1954]

Re: mehim's UE Diary

You won't get the deed.

[Mehim]

Re: mehim's UE Diary

Hi Vint,

lol I don`t really want it, I just thought it would wind them up a bit more.

I also noticed that as well as both having the same Ref No, both appear to be signed Keynes and under that Keynes Collections, Pre_Litigation Team. Sure I read elsewhere that they cant sign a LBA as a company.

I`m just a novice though

Again many thanks

[Mehim]

Re: mehim's UE Diary

Evening Fellow Fighters,

Sent the "Letter before Action Letter" to Keynes for B/Card Nos 2 and 4. I await their response with interest.

I also happened to answer a number I didn`t recognise which has been calling quite frequently. LOL it was Keynes, first time I answered the female refused to give me her dob so I told her I couldn`t take the call. Next day it was a guy, he again was told in writing only, now bugger off.I

Will get the in writing only and the telephone harassment letters off to them for both accounts.

Many thanks for all the help freely given by the boss and his team.

TY

[SaltnVinegar]

Re: mehim's UE Diary

First time I answered the female refused to give me her dob so I told her I couldn`t take the call.

You refused to give her your d.o.b?

Or she refused to give you her d.o.b?

Great example of why commas are still important

[Mehim]

Re: mehim's UE Diary

Hi S&V,

both, when she asked for mine I replied I wanted hers. She said that was irrelevant so I told her I couldn`t divulge mine until she gave me hers.

TY

[commit2change]

Re: mehim's UE Diary

Hi S&V,

both, when she asked for mine I replied I wanted hers. She said that was irrelevant so I told her I couldn`t divulge mine until she gave me hers.

TY

I may try that next time someone calls me - Love it.

[Mehim]

Re: mehim's UE Diary

lol they called again today and the female did give me hers or someone else`s dob. She wasn`t a happy bunny when I still refused, we had an argument about her saying I wasn`t responding to their letters and I told her if they were writing to an address and they didn`t know wtf was there, just what were they playing at. She hung up when I informed her that all calls to the dialed number were recorded.

Next call they asked if I was there, I said no, she asked when I would be there, I said never. I informed her that when the next letter landed on their desk, if the calls persisted, I would be reporting the company and that she should check out recent case law regarding telephone harassment.

The feeling of power once you learn on this site that they have no real power over you is brilliant.

Many thanks

[Mehim]

Re: mehim's UE Diary

Morning All,

Telephone harassment and in writing only letter sent to Keynes on the 12th for B/card Nos 2 & 4

Sitting back waiting on their response to both letters.

Chins up folks, we are winning the good fight thanks to Niddy, his team and this magical site.

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 International Limited, now Wescot

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 cpmplied 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 cpmplied 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.
4th July:
Letter sent to Fred`s pointing out that I did not receive any information regarding a CCA request from Tesco in August 2012 for the alleged debt
9th Aug:
Letter from Fred`s Thanking me for mine of the 4th July, apologising for the delay in replying to me and that they have referred it to their client.
21st Sept:
Letter from Fred`s referring to my recent communication, Account on hold till they take instructions from their client and I`ll hear from them or the client in due course.
26th Sept:
Letter from Tesco informing me that Wescot are now dealing with this .
28th Sept:
Letter from Wescot, to avoid Wescot taking further action, gees yer dosh.
4th Oct:
Sent SWID and telephone harassment letter for good measure
10th Oct:
Letter from Wescot, FINAL NOTICE oh dear, Please do not ignore this letter as this could result in further action being taken to recover the debt (alleged)
18th Oct:
Letter from Wescot, Reduced Settlement Offer. to take advantage of this offer phone us. If unable to take up this offer we will consider a realistic repayment plan.
23rd Oct:
We acknowledge that you have raised a dispute on this account. On hold while they investigate.
28th Oct:
We refer to your recent communication. Having contacted our client thay have advised their legal department have confirmed they have not received a request for documentation under the 1974 Consumer Credit Act blah, blah. Account on hold for 21 days to allow me to make a request.
4th Nov:
Couple of lines to Wescot informing them that Tesco informed the last company of blood sucking leeches that they had replied to my CCA request in August 2012. Informed them this was a lie and they disappeared and you, Wescot now appeared. Also informed them I had proof of postage of the request I sent in Feb 2012
21st Nov:
Letter from Wescot acknowledging my letter of the 4th Nov. Contacting their client, may take several weeks and will contact me to advise the outcome.
25th Nov:
Letter from Wescot, Having contacted our client, they have advised that their legal department have not received your section 78 request.
3rd Dec:
Letter to Wescot informing them their client`s legal department seem to be having trouble with their records as I had made a s78 request and had a letter from Tesco acknowledging this.
21st Dec:
Letter from Wescot. "We understand that there may be many reasons why you have not responded to us in relation to this account".
30th Dec:
Letter to them re no contact and telephone harassment included for good measure.

2014

30th Dec 2013:
Letter from Wescot threatening a doorstep visit, again saying I have not been in contact with them.
7th Jan:
Letter to Wescot Re more lies they sent me and included the Scottish doorstep letter just in case they try and steal it.
10th Jan:
Letter from Wescot, reply to mine of 30th dec. confirming all data processed by them is done so in a secure manner. We have removed your phone number as requested and please accept our apologies for any upset this may have caused.
10th Jan:
Second letter from them, again in reply to mine of the 30th Dec. Details have been passed to their Customer Relations team for a full investigation, where applicable all other activity surrounding the relevant file will be suspended until the matter is concluded.
11th Jan:
Another letter from them, re mine of the 7th Jan, "In order for this matter to be investigate we require a copy of your proof of posting, your request for information, along with a copy of the acknowlegement (their spelling) letter you received from Tesco Bank." They gave me 14 days.
30th Jan:
Letter from them, wow almost three pages.They are acting in good faith on the info supplied by Tesco.
6th Feb:
Letter to them with copy of CCA my request dated 10th Feb 2012
17th Feb:
Letter from Wescot acknowledging mine of the 6th I think, and that I have raised a dispute with the OC. They aren`t going to speak to me till this is investigated.

Afternoon Folks,

Latest from Wescot, they aint talking to me till they investigate yet again.

Sits back and relaxes again for a while.

Many, many thanks for all the help received.

TY