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Hi everyone
Here is a history of my journey so far:
Type of account: Goldfish Barclaycard
Date Comnenced: Many years ago when was just Goldfish
Approx Balance: £11,600 at start now £12,600 after interest and charges
Date last Paid: August 2010
Arrangement: Not pay
Status: Default
Owner: MKDP (formerly MK Rapid Recoveries)
History:
CCA request 8/11/10 no reply
Letter from Mercers Nov 2010 - sent 'dispute letter' on 3/12/10
Letter from Calders 11/2/11 - sent same letter 18/2/11
Letter from Credit Solutions 28/4/11- sent same letter 3/5/11
Letter from Apex 29/6/11 - sent same letter 6/7/11
Letter from MK Rapid Recoveries, now MKDP 10/5/12 - sent same letter 21/5/12
From May 2012 to January 2014, MKDP has sent me a monthly letter to say they have not been able resolve 'my query' and are liaising with Barclaycard.
However, on 6 February 2014, I received a letter from MKDP enclosing a Reconstituted Credit Agreement (RCA) and asking me to call them to make arrangements to pay. The RCA was just the terms and conditions - the only mention of me was the first line which said 'These are the terms and conditions of an agreement between us (Barclays Bank PLC (their address) and you, (my name and address which is not the one I would have had when opening the account))).' There was also an accompanying letter from Barclaycard saying they enclose a RCA which may vary from the terms made since I entered into the agreement. They also say that they can't enforce the agreement, but will take any action short of that and that they have completed their obligations under Section 78 of the Act. This is virtually the same letter I received from Barclaycard on 16/6/11 except with a couple of additional paragraphs about enclosing a RCA and relating to the Carey v HSBC case.
As a final note, I have moved from the address MKDP has been sending the letters and my post has been redirected. The letter from MKDP was sent recorded delivery, but because it was redirected I was not asked to sign for the letter and the recorded delivery label is intact so MKDP do not have any proof of delivery.
My inclination is to stay silent and see what happens (I have about 4 months of redirection left). However, I would like to ask the advice of the forum whether I am right in doing this or if they think I should send a letter of response.
Many thanks.
FB
Here is a history of my journey so far:
Type of account: Goldfish Barclaycard
Date Comnenced: Many years ago when was just Goldfish
Approx Balance: £11,600 at start now £12,600 after interest and charges
Date last Paid: August 2010
Arrangement: Not pay
Status: Default
Owner: MKDP (formerly MK Rapid Recoveries)
History:
CCA request 8/11/10 no reply
Letter from Mercers Nov 2010 - sent 'dispute letter' on 3/12/10
Letter from Calders 11/2/11 - sent same letter 18/2/11
Letter from Credit Solutions 28/4/11- sent same letter 3/5/11
Letter from Apex 29/6/11 - sent same letter 6/7/11
Letter from MK Rapid Recoveries, now MKDP 10/5/12 - sent same letter 21/5/12
From May 2012 to January 2014, MKDP has sent me a monthly letter to say they have not been able resolve 'my query' and are liaising with Barclaycard.
However, on 6 February 2014, I received a letter from MKDP enclosing a Reconstituted Credit Agreement (RCA) and asking me to call them to make arrangements to pay. The RCA was just the terms and conditions - the only mention of me was the first line which said 'These are the terms and conditions of an agreement between us (Barclays Bank PLC (their address) and you, (my name and address which is not the one I would have had when opening the account))).' There was also an accompanying letter from Barclaycard saying they enclose a RCA which may vary from the terms made since I entered into the agreement. They also say that they can't enforce the agreement, but will take any action short of that and that they have completed their obligations under Section 78 of the Act. This is virtually the same letter I received from Barclaycard on 16/6/11 except with a couple of additional paragraphs about enclosing a RCA and relating to the Carey v HSBC case.
As a final note, I have moved from the address MKDP has been sending the letters and my post has been redirected. The letter from MKDP was sent recorded delivery, but because it was redirected I was not asked to sign for the letter and the recorded delivery label is intact so MKDP do not have any proof of delivery.
My inclination is to stay silent and see what happens (I have about 4 months of redirection left). However, I would like to ask the advice of the forum whether I am right in doing this or if they think I should send a letter of response.
Many thanks.
FB
for now....... and just keep an eye out for any letters the next few weeks.......
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