Knipe Woodhouse-Smith acting for Credit Security Ltd - Threatening legal action

[Curlyben]

Re: Knipe Woodhouse-Smith acting for Credit Security Ltd - Threatening legal action

Hey Debt Star, is this YOUR coat ??

[Longwaydown]

Re: Knipe Woodhouse-Smith acting for Credit Security Ltd - Threatening legal action

Doh! Should have seen that one coming! Well, I've managed to ignore them so far - I guess I'll wait and see if they are as good as their word..

[Longwaydown]

Re: Knipe Woodhouse-Smith acting for Credit Security Ltd - Threatening legal action

Quick update:

I've heard nothing more from Knipe etc, but Credit Security have written with a NOTICE OF ACTION. This says that they intend to give instructions for legal action to be commenced etc.

I've ignored them up 'till now but does anyone think it's worth me writing to ask if they now own the account? I know they don't but might stop them sending daft threat-o-grams?

[Amethyst]

Re: Knipe Woodhouse-Smith acting for Credit Security Ltd - Threatening legal action

I'd sent them a prove it or shut up letter xx #4 on curlys guide I believe (link in waffle box at top of forum) (oh CCA forum not this one lol ~~ Consumer Credit Act ~~ - Legal Beagles Consumer Forum )

[Longwaydown]

Re: Knipe Woodhouse-Smith acting for Credit Security Ltd - Threatening legal action

Hi Amethyst,

I'm struggling to find that letter - don't suppose you have a link?

In the meantime, I've received another letter from Credit Security headed: Notice before proceeding with legal action" If they don't have settlement within 7 days, they will request their client's authority to commence legal action...

Seems like they are doing a lot of threatening, but not much else. I hope the prove it letter will draw out what they hold hold.

Thanks in advance.

[The Debt Star]

Re: Knipe Woodhouse-Smith acting for Credit Security Ltd - Threatening legal action

at least you didn't get the Notice before the Notice Proceeding with Legal Action

[Amethyst]

Re: Knipe Woodhouse-Smith acting for Credit Security Ltd - Threatening legal action

Sorry, Legal Beagles Consumer Forum - View Single Post - ~~~ Consumer Credit Agreements - A Guide ~~~~ inc. Letters

[Caspar]

Re: Knipe Woodhouse-Smith acting for Credit Security Ltd - Threatening legal action

Hi all, new to this forum, but have been on CAG for 18 months or so. They seem to be having a few problems on there, so I'm hoping that the good people here can help me out.

In January 09 I sent s.78 requests to Co-Op and Lloyds for credit cards dating back to the early 90s.

It may seem a daft question, but I can't see that it's been asked yet, so I'll ask it. If the cards date back to the early 90's I'm assuming the debts are quite old. When did you actually default on the card (if unsure get free copy of your credit report, that should tell you if within the last 6 years).

Have you received Notice of Assignment for any of the DCA's or are you sure Lloyds still own the account?

[Longwaydown]

Re: Knipe Woodhouse-Smith acting for Credit Security Ltd - Threatening legal action

Hi Caspar, stopped paying in January 2009, so they are not statute barred. No notices of assignment, but I think DCAs like you to think they own the account!

Thanks Amethyst - I'll get onto it!

[Caspar]

Re: Knipe Woodhouse-Smith acting for Credit Security Ltd - Threatening legal action

Hi Caspar, stopped paying in January 2009, so they are not statute barred. No notices of assignment, but I think DCAs like you to think they own the account!

Thanks Amethyst - I'll get onto it!

In which case either send the letter suggested by Ame, OR just totally ignore it and see wwhat happens. I suspect you'd find they'd write you nasty letters for a while then stop and it would be referred to another DCA!

[Longwaydown]

Re: Knipe Woodhouse-Smith acting for Credit Security Ltd - Threatening legal action

Quick update - I've not sent anything as been a bit tied up with other stuff. So yesterday, a pink letter drops on the mat offering me a full and final settlement for 40% of the total as long as I settle by 25th Oct.

Then, this morning, I get another letter saying this:

"Although every opportunity has been given to you to settle your account in a reasonable manner, you have continually chosen to disregard our communications.

We are not prepared to tolerate any further delays in this matter and would now formally advise you that our Client intends to obtain judgement against you in the County Court and if necessary apply for an Attachment of Earnings to ensure full settlement of this account.

If you wish to avoid this action, it is in your own interest to forward a payment immediately, together with a firm promise of regular payments in settlement of your account. Complete and deatch the form below and return to this office with your payment.

We do not intend to continually remind you of your obligation and therefore will plave your account with our Solicitors if no response is received within the next SEVEN DAYS."

If they are so certain I owe this money, I wonder why they haven't taken action yet. It's been 20 months since the last payment and these are the third lot of DCAs to have a go!

[WendyB]

Re: Knipe Woodhouse-Smith acting for Credit Security Ltd - Threatening legal action

Why did you stop paying in the first place? Were you in financial difficulties? Have you attempted to come to any arrangement with the OC to pay off the debt? Are you in a position to clear the debt by Full and Final, or offer any payment arrangment?

[The Debt Star]

Re: Knipe Woodhouse-Smith acting for Credit Security Ltd - Threatening legal action

good time to offer them 20% of the total if you can ie half of what their offer is and aim to reach 30% of the total. that would be bloomin good in my experience. if you can, of course....

[Longwaydown]

Re: Knipe Woodhouse-Smith acting for Credit Security Ltd - Threatening legal action

Well, these chaps are quie persistent! 2 more letters since the last post, the first saying they've delayed taking legal action against me as they understand that sometimes people have difficulties - how nice of them.

The latest letter now says they intend to sue. Interestingly, they've been threatening this since July with offers of reduced settlement twice. I haven't sent a prove it letter as it's not appropriate, but I am minded to send them a letter setting out my contention the agreement isn't enforceable. Now, is the collective wisdom to let them keep threatening or respond to their letters?

[Curlyben]

Re: Knipe Woodhouse-Smith acting for Credit Security Ltd - Threatening legal action

A simple Prove It would be appropriate, but NOT a CCA request.

Worth a stamp..

Post #4 in the first link in my siggie should help with this.