DaveyBoys UE enquiry

[DaveyBoy]

Re: DaveyBoys UE enquiry

Egg

Credit Card
Commenced March 2006
Balance outstanding £3,000
Last Full Payment Oct 2006 i think
Been on DMP since Jan 2007
Default Jan 2007
Owner Now Barclaycard

Feb 2012 - CCA Request Sent
12+2 days passes then
Feb 2012 - Letter from Barclaycard 'we acknowledge receipt of your request, we are dealing with and will respond as soon as possible'
Mar 2012 - Stopped paying DMP
Apr 2012 - CCA Recieved
Emailed Niddy
Apr 2012 - Niddy says 'All this is is a recon, holds no substance and is all the way'
Sept 2012 - Letter recieved today from Barclaycard
Formal Demand for Payment
As you have not responded to the Default Notice you were sent by Mercers Debt Collections Ltd, payment of the outstanding amount shown is now due in full. Please note we will no longer send monthly statements to you (Never had a statement of Barclaycard yet).
Credit Reference Agencies
This formal demand is a legal doc. We are notifying you of our intention to file a default at the credit reference agencies (That happened 5 years ago!). We always let credit agencies know when a customer has failed to meet the terms of the Formal Demand for payment and the payment has not been made. This may affect your ability to get credit from other lenders.
If you do not make a payment or reach agreement with us by 9th Sept we may pass your account to a specialist collection company in your area and a local representative may call at your address to arrange repayment of this debt. We may transfer money that you have in barclays current savings or other accounts to reduce or pay off the amount owed. Your t&c clearly state we can do this if we need to.
To stop further action you must call asap.........IGNORED
Sept 2012 - Letter recieved from Barclaycard stating account been passed to Credit Solutions Ltd to manage collection........IGNORED
Oct 2012 - Letter recieved from power2contact. We have been instructed by our client to VISIT YOUR ADDRESS TO COLLECT THE ABOVE DEBT........Replied with threat of doorstep visit template
Oct 2012 - Letter recieved from Credit Solutions Limited in response to my doorstep visit. Says 'Internal investigation has taken place into this matter' goes on to say 'As per request contact number has been removed and all future correspondence will be via writing'. Also states 'Doorstep visits are simply another option available to assist customers in paying debts' and 'OFT guidelines state doorstep visits must give adequate notice of time and date of visit' and 'The Armstrong v Sheppard (1959) case you quoted is dependant on individual circumstance and only such order to refuse access can come from a Court and not from the individual'........FILED
Oct 2012 - Letter recieved from Credit Solutions - Opportunity to save £££'s......IGNORED
Oct 2012 - Another letter recieved from Credit Solutions NOTICE OF LEGAL PROCEEDINGS. The above debt remains outstanding. Failure to pay this debt or contact us within 7 days may result in legal proceedings being issued against you..............REPLIED WITH THREAT-O-GRAM BEFORE ACTION
Nov 2012 - Letter from Power2Contact - FORMAL NOTICE OF INTENDED VISIT................REPLIED WITH Harassment Follow-Up & Threat of Injunctive Relief (Modified 1st Paragraph as I've not had a visit thus far)
Nov 2012 - Letter recieved today from Credit Solutions in reply to my harassment follow up letter. They can confirm that they stand by their previous response and are unable to guarantee that a doorstep visit will not take place...........Will see what follows
April 2013 -Letter from Moorcroft Debt Recovery Limited. They have been instructed by Barclaycard to collect my overdue debt........Replied with account sold in dispute letter
April 2013 - Moorcroft reply to my account sold in dispute with a letter thanking me for my CCA request and asking for £1 so it can be processed.......Replied informing them I hadn't requested a CCA as per ScabHunters post #162
April 2013 - Letter from Moorcroft stating they are communicating with Barclaycard regarding my query and during these communications follow up action will be suspended........Filed
May 2013 - Letter from Moorcroft 'Further to your recent communication we have been in touch with Barclaycard who have advised the CCA request was completed and sent to me on xxApril2013.......Replied with modified Missing Prescribed Terms
June 2013 - Letter from Moorcroft 'Our client believes the documents sent do meet the requirements under section 78 of the Consumer Credit Act blah blah blah'................ignored.
June 2013 - Letter from Moorcroft 'To prevent further debt recovery please send payment in full or contact us immediately. Contact us now, in certain circumstances we may also be able to offer a substantial discount from the outstanding balance'.......ignored
July 2013 - Letter from Moorcroft offering a payment schedule over 2 years to clear balance........ignored
July 2013 - Letter from Midas Credit Services. We are part of Moorcroft Group and are aware you have failed to reach a repayment programme with Moorcroft Debt Recovery. We are now reviewing the account prior to the possible recommending of further debt recovery action to our clients.......ignored

Letter today from Moorcroft Home Collections Division. Your account has been passed to Home Collections Division for action. This may involve our local representative calling at your home address in the near future to try to assist you and seek to establish how you propose to settle the balance outstanding. If you'd rather agree a repayment arrangement direct with the office or you believe there is an outstanding query on the account you must phone us. However in a further attempt to come to an arrangement and to prevent further debt recovery action our client has told us that we are able to offer you a substantial discount on your outstanding balance, This means pay within the next 14 days and we will not pursue the remaining balance. If no satisfactory agreement is made with us or our local representative we will have no alternative but to recommend our client consider further recovery action

Shall send a threat of doorstep visit in response to this unless anyone thinks otherwise
Cheers all

[Deepie]

Re: DaveyBoys UE enquiry

Letter today from Wescot. We have been instructed to collect the outstanding balance. To avoid Wescot taking further action either 1. pay up or 2. phone us.
Shall send Wescot account sold in dispute me thinks. Cheers all

Yes ...That's what I would send.......

[DaveyBoy]

Re: DaveyBoys UE enquiry

Cahoot

Flexible Loan
Commenced Feb 2003
Balance outstanding £5,200
Last Full Payment Oct 2006 i think
Been on DMP since Jan 2007
Default May 2007
Owner Now Santander

Feb 2012 - CCA Request Sent
Feb 2012 - CCA Recieved
Emailed Niddy
March 2012 - Niddy says nearly always
March 2012 - Stopped paying DMP
March 2012- Missing prescribed terms letter sent
May 2012 - Letter recieved from Santander head of collections stating concerns about payments not been recieved for some time. If I dont contact them within 7 days they will asume account is no longer being managed by a third party and furher action taken to recover outstanding amount........IGNORED
Oct 2012 - 6 monthly statement recieved from Santander. No charges or interest added to account and no payments made
March 2013 -Letter from Moorcroft Debt Recovery Limited. They have been instructed by Santander to collect my overdue debt. To prevent our recommending to our client that further debt recovery action be undertaken it is essential that you settle this debt without delay. Both our client and we do not wish to take this action but if agreement cannot be reached we may have no alternative. They give me 7 days to make payment or give me the option to contact them immediately with my payment offer........Replied with account sold in dispute letter
March 2013 - Letter from Moorcroft stating they are communicating with Santander regarding my query and during these communications follow up action will be suspended
March 2013 - 6 monthly statement recieved from Santander. No charges or interest added to account and no payments made
June 2013 - Letter from Moorcroft in reply to my Account Sold in Dispute. Same CCA that I got from Santander in Feb last year.......Replied to Moorcroft with a duplicate of Missing Prescribed Terms I sent to Santander in March 2012
July 2013 - Letter from Moorcroft stating the control of the account has been returned to our clients
July 2013 - Letter from Santander - Account passed to Wescot for collection..........Ignored

Letter today from Wescot. We have been instructed to collect the outstanding balance. To avoid Wescot taking further action either 1. pay up or 2. phone us.
Shall send Wescot account sold in dispute me thinks. Cheers all

[garlok]

Re: DaveyBoys UE enquiry

Another "division" of Moorcroft?

regards
G

[Deepie]

Re: DaveyBoys UE enquiry

Letter received today from Midas Credit Services. Important Info - Possible further action. We are part of Moorcroft Group and are aware you have failed to reach a repayment programme with Moorcroft Debt Recovery. We are now reviewing the account prior to the possible recommending of further debt recovery action to our clients. Unless we can agree a settlement of this account the default our client registered against your credit file will remain unchanged. To prevent further action contact Moorcroft................Shall ignore unless anyone thinks otherwise. Cheers all

I would if it were me...........

[DaveyBoy]

Re: DaveyBoys UE enquiry

Egg

Credit Card
Commenced March 2006
Balance outstanding £3,000
Last Full Payment Oct 2006 i think
Been on DMP since Jan 2007
Default Jan 2007
Owner Now Barclaycard

Feb 2012 - CCA Request Sent
12+2 days passes then
Feb 2012 - Letter from Barclaycard 'we acknowledge receipt of your request, we are dealing with and will respond as soon as possible'
Mar 2012 - Stopped paying DMP
Apr 2012 - CCA Recieved
Emailed Niddy
Apr 2012 - Niddy says 'All this is is a recon, holds no substance and is all the way'
Sept 2012 - Letter recieved today from Barclaycard
Formal Demand for Payment
As you have not responded to the Default Notice you were sent by Mercers Debt Collections Ltd, payment of the outstanding amount shown is now due in full. Please note we will no longer send monthly statements to you (Never had a statement of Barclaycard yet).
Credit Reference Agencies
This formal demand is a legal doc. We are notifying you of our intention to file a default at the credit reference agencies (That happened 5 years ago!). We always let credit agencies know when a customer has failed to meet the terms of the Formal Demand for payment and the payment has not been made. This may affect your ability to get credit from other lenders.
If you do not make a payment or reach agreement with us by 9th Sept we may pass your account to a specialist collection company in your area and a local representative may call at your address to arrange repayment of this debt. We may transfer money that you have in barclays current savings or other accounts to reduce or pay off the amount owed. Your t&c clearly state we can do this if we need to.
To stop further action you must call asap.........IGNORED
Sept 2012 - Letter recieved from Barclaycard stating account been passed to Credit Solutions Ltd to manage collection........IGNORED
Oct 2012 - Letter recieved from power2contact. We have been instructed by our client to VISIT YOUR ADDRESS TO COLLECT THE ABOVE DEBT........Replied with threat of doorstep visit template
Oct 2012 - Letter recieved from Credit Solutions Limited in response to my doorstep visit. Says 'Internal investigation has taken place into this matter' goes on to say 'As per request contact number has been removed and all future correspondence will be via writing'. Also states 'Doorstep visits are simply another option available to assist customers in paying debts' and 'OFT guidelines state doorstep visits must give adequate notice of time and date of visit' and 'The Armstrong v Sheppard (1959) case you quoted is dependant on individual circumstance and only such order to refuse access can come from a Court and not from the individual'........FILED
Oct 2012 - Letter recieved from Credit Solutions - Opportunity to save £££'s......IGNORED
Oct 2012 - Another letter recieved from Credit Solutions NOTICE OF LEGAL PROCEEDINGS. The above debt remains outstanding. Failure to pay this debt or contact us within 7 days may result in legal proceedings being issued against you..............REPLIED WITH THREAT-O-GRAM BEFORE ACTION
Nov 2012 - Letter from Power2Contact - FORMAL NOTICE OF INTENDED VISIT................REPLIED WITH Harassment Follow-Up & Threat of Injunctive Relief (Modified 1st Paragraph as I've not had a visit thus far)
Nov 2012 - Letter recieved today from Credit Solutions in reply to my harassment follow up letter. They can confirm that they stand by their previous response and are unable to guarantee that a doorstep visit will not take place...........Will see what follows
April 2013 -Letter from Moorcroft Debt Recovery Limited. They have been instructed by Barclaycard to collect my overdue debt........Replied with account sold in dispute letter
April 2013 - Moorcroft reply to my account sold in dispute with a letter thanking me for my CCA request and asking for £1 so it can be processed.......Replied informing them I hadn't requested a CCA as per ScabHunters post #162
April 2013 - Letter from Moorcroft stating they are communicating with Barclaycard regarding my query and during these communications follow up action will be suspended........Filed
May 2013 - Letter from Moorcroft 'Further to your recent communication we have been in touch with Barclaycard who have advised the CCA request was completed and sent to me on xxApril2013.......Replied with modified Missing Prescribed Terms
June 2013 - Letter from Moorcroft 'Our client believes the documents sent do meet the requirements under section 78 of the Consumer Credit Act blah blah blah'................ignored.
June 2013 - Letter from Moorcroft 'To prevent further debt recovery please send payment in full or contact us immediately. Contact us now, in certain circumstances we may also be able to offer a substantial discount from the outstanding balance'.......ignored
July 2013 - Letter from Moorcroft offering a payment schedule over 2 years to clear balance........ignored

Letter received today from Midas Credit Services. Important Info - Possible further action. We are part of Moorcroft Group and are aware you have failed to reach a repayment programme with Moorcroft Debt Recovery. We are now reviewing the account prior to the possible recommending of further debt recovery action to our clients. Unless we can agree a settlement of this account the default our client registered against your credit file will remain unchanged. To prevent further action contact Moorcroft................Shall ignore unless anyone thinks otherwise. Cheers all

[DaveyBoy]

Re: DaveyBoys UE enquiry

Cahoot

Flexible Loan
Commenced Feb 2003
Balance outstanding £5,200
Last Full Payment Oct 2006 i think
Been on DMP since Jan 2007
Default May 2007
Owner Now Santander

Feb 2012 - CCA Request Sent
Feb 2012 - CCA Recieved
Emailed Niddy
March 2012 - Niddy says nearly always
March 2012 - Stopped paying DMP
March 2012- Missing prescribed terms letter sent
May 2012 - Letter recieved from Santander head of collections stating concerns about payments not been recieved for some time. If I dont contact them within 7 days they will asume account is no longer being managed by a third party and furher action taken to recover outstanding amount........IGNORED
Oct 2012 - 6 monthly statement recieved from Santander. No charges or interest added to account and no payments made
March 2013 -Letter from Moorcroft Debt Recovery Limited. They have been instructed by Santander to collect my overdue debt. To prevent our recommending to our client that further debt recovery action be undertaken it is essential that you settle this debt without delay. Both our client and we do not wish to take this action but if agreement cannot be reached we may have no alternative. They give me 7 days to make payment or give me the option to contact them immediately with my payment offer........Replied with account sold in dispute letter
March 2013 - Letter from Moorcroft stating they are communicating with Santander regarding my query and during these communications follow up action will be suspended
March 2013 - 6 monthly statement recieved from Santander. No charges or interest added to account and no payments made
June 2013 - Letter from Moorcroft in reply to my Account Sold in Dispute. Same CCA that I got from Santander in Feb last year.......Replied to Moorcroft with a duplicate of Missing Prescribed Terms I sent to Santander in March 2012

Letter from Moorcroft today in reply to the duplicate MPT sent above
'I write in relation to the recent correspondence sent to our offices. Unfortunately Moorcroft is no longer responsible for collection activity on this account. The control of the account has been returned to our clients and we would ask that you refer all future correspondence directly to them'

Result

Cheers all

[ScabHunter]

Re: DaveyBoys UE enquiry

"If we do not get contact we may have no alternative other than to recommend to our client that they consider further debt recovery action."

Am I the only one who laughed at that sentence?

I agree with Mrs D, just leave them be. With Moroncrap it is always a case of what the threat machine spews out next, and it may not be anything which even relates to your own case.

You could write back and point out that while everything they have said may be accurate, it has nothing to do with the issue of prescribed terms missing from the document, which is the issue that was raised in your previous letter. I'd leave that for the future, though.

SH

[MrsD]

Re: DaveyBoys UE enquiry

I'd wait and see what the eejits do next, they seem a bit puzzled............

[DaveyBoy]

Re: DaveyBoys UE enquiry

Egg

Credit Card
Commenced March 2006
Balance outstanding £3,000
Last Full Payment Oct 2006 i think
Been on DMP since Jan 2007
Default Jan 2007
Owner Now Barclaycard

Feb 2012 - CCA Request Sent
12+2 days passes then
Feb 2012 - Letter from Barclaycard 'we acknowledge receipt of your request, we are dealing with and will respond as soon as possible'
Mar 2012 - Stopped paying DMP
Apr 2012 - CCA Recieved
Emailed Niddy
Apr 2012 - Niddy says 'All this is is a recon, holds no substance and is all the way'
Sept 2012 - Letter recieved today from Barclaycard
Formal Demand for Payment
As you have not responded to the Default Notice you were sent by Mercers Debt Collections Ltd, payment of the outstanding amount shown is now due in full. Please note we will no longer send monthly statements to you (Never had a statement of Barclaycard yet).
Credit Reference Agencies
This formal demand is a legal doc. We are notifying you of our intention to file a default at the credit reference agencies (That happened 5 years ago!). We always let credit agencies know when a customer has failed to meet the terms of the Formal Demand for payment and the payment has not been made. This may affect your ability to get credit from other lenders.
If you do not make a payment or reach agreement with us by 9th Sept we may pass your account to a specialist collection company in your area and a local representative may call at your address to arrange repayment of this debt. We may transfer money that you have in barclays current savings or other accounts to reduce or pay off the amount owed. Your t&c clearly state we can do this if we need to.
To stop further action you must call asap.........IGNORED
Sept 2012 - Letter recieved from Barclaycard stating account been passed to Credit Solutions Ltd to manage collection........IGNORED
Oct 2012 - Letter recieved from power2contact. We have been instructed by our client to VISIT YOUR ADDRESS TO COLLECT THE ABOVE DEBT........Replied with threat of doorstep visit template
Oct 2012 - Letter recieved from Credit Solutions Limited in response to my doorstep visit. Says 'Internal investigation has taken place into this matter' goes on to say 'As per request contact number has been removed and all future correspondence will be via writing'. Also states 'Doorstep visits are simply another option available to assist customers in paying debts' and 'OFT guidelines state doorstep visits must give adequate notice of time and date of visit' and 'The Armstrong v Sheppard (1959) case you quoted is dependant on individual circumstance and only such order to refuse access can come from a Court and not from the individual'........FILED
Oct 2012 - Letter recieved from Credit Solutions - Opportunity to save £££'s......IGNORED
Oct 2012 - Another letter recieved from Credit Solutions NOTICE OF LEGAL PROCEEDINGS. The above debt remains outstanding. Failure to pay this debt or contact us within 7 days may result in legal proceedings being issued against you..............REPLIED WITH THREAT-O-GRAM BEFORE ACTION
Nov 2012 - Letter from Power2Contact - FORMAL NOTICE OF INTENDED VISIT................REPLIED WITH Harassment Follow-Up & Threat of Injunctive Relief (Modified 1st Paragraph as I've not had a visit thus far)
Nov 2012 - Letter recieved today from Credit Solutions in reply to my harassment follow up letter. They can confirm that they stand by their previous response and are unable to guarantee that a doorstep visit will not take place...........Will see what follows
April 2013 -Letter from Moorcroft Debt Recovery Limited. They have been instructed by Barclaycard to collect my overdue debt........Replied with account sold in dispute letter
April 2013 - Moorcroft reply to my account sold in dispute with a letter thanking me for my CCA request and asking for £1 so it can be processed.......Replied informing them I hadn't requested a CCA as per ScabHunters post #162
April 2013 - Letter from Moorcroft stating they are communicating with Barclaycard regarding my query and during these communications follow up action will be suspended........Filed
May 2013 - Letter from Moorcroft 'Further to your recent communication we have been in touch with Barclaycard who have advised the CCA request was completed and sent to me on xxApril2013.......Replied with modified Missing Prescribed Terms

2 letters received from Moorcroft

The first one in response to my MPT. They say our client believes the documents sent do meet the requirements under section 78 of the Consumer Credit Act. They go on to explain that under sec78a, a true copy need not be an exact copy or photocopy as long as it contains every material provision of the agreement signed, including the original name and address of the parties to that agreement although this does not require possession of the original signed credit agreement, as this info can be taken from any reliable source. They also quote Carey v HSBC to back up their argument. They continue by saying there are no requirements to provide a signed 'Executed' copy of the agreement and this is made clear in the section 3(2) of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations. They conclude Our client believes the balance remains due and payable, will continue to report my conduct of the account to the CRA's and give me 14 days to reply with my proposals for discharging liability.

The 2nd one appears to be a begging letter. To prevent further debt recovery please send payment in full or contact us immediately. If we do not get contact we may have no alternative other than to recommend to our client that they consider further debt recovery action. Contact us now, in certain circumstances we may also be able to offer a substantial discount from the outstanding balance.

I shall ignore the 2nd Letter however is their a response required to number 1?

Thanks all

[DaveyBoy]

Re: DaveyBoys UE enquiry

I would send them an exact copy of the MPT letter that you sent to Santander, including the date, along with a cover note saying something such as -

“REF :

Dear Sirs,

Thank you for the recent copy of the documentation relating to the alleged account referenced above. You will note that this copy is identical to that which was provided by Santander on a previous occasion.

I enclose a copy of the response which I forwarded to Santander on [DATE], for your perusal and attention.

Yours Faithfully.”

SH

Thankyou ScabHunter
I'll get that one prepared for Moorcroft
Cheers

[ScabHunter]

Re: DaveyBoys UE enquiry

do I give Moorcroft the same medicine even though I never sent Moorcroft a cca request in the first place?

I would send them an exact copy of the MPT letter that you sent to Santander, including the date, along with a cover note saying something such as -

“REF :

Dear Sirs,

Thank you for the recent copy of the documentation relating to the alleged account referenced above. You will note that this copy is identical to that which was provided by Santander on a previous occasion.

I enclose a copy of the response which I forwarded to Santander on [DATE], for your perusal and attention.

Yours Faithfully.”

SH

[DaveyBoy]

Re: DaveyBoys UE enquiry

yup it all just starts again

give em the missing prescribed terms

Cheers MrsD
I'll do just that then. Will leave it a few days though and send it just before their deadline.
Thanks as always

[MrsD]

Re: DaveyBoys UE enquiry

yup it all just starts again

give em the missing prescribed terms

[DaveyBoy]

Re: DaveyBoys UE enquiry

Cahoot

Flexible Loan
Commenced Feb 2003
Balance outstanding £5,200
Last Full Payment Oct 2006 i think
Been on DMP since Jan 2007
Default May 2007
Owner Now Santander

Feb 2012 - CCA Request Sent
Feb 2012 - CCA Recieved
Emailed Niddy
March 2012 - Niddy says nearly always
March 2012 - Stopped paying DMP
March 2012- Missing prescribed terms letter sent
May 2012 - Letter recieved from Santander head of collections stating concerns about payments not been recieved for some time. If I dont contact them within 7 days they will asume account is no longer being managed by a third party and furher action taken to recover outstanding amount........IGNORED
Oct 2012 - 6 monthly statement recieved from Santander. No charges or interest added to account and no payments made
March 2013 -Letter from Moorcroft Debt Recovery Limited. They have been instructed by Santander to collect my overdue debt. To prevent our recommending to our client that further debt recovery action be undertaken it is essential that you settle this debt without delay. Both our client and we do not wish to take this action but if agreement cannot be reached we may have no alternative. They give me 7 days to make payment or give me the option to contact them immediately with my payment offer........Replied with account sold in dispute letter
March 2013 - Letter from Moorcroft stating they are communicating with Santander regarding my query and during these communications follow up action will be suspended
March 2013 - 6 monthly statement recieved from Santander. No charges or interest added to account and no payments made

Letter today from Moorcroft in reply to my Account Sold in Dispute. They have basically enclosed the same CCA that I got from Santander in Feb last year. I sent Santander the missing prescribed terms in response to the CCA last year and never got a reply so do I give Moorcroft the same medicine even though I never sent Moorcroft a cca request in the first place? They give me 10 days to contact them before the account goes back to collections.
Regards to all