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'

Afternoon all

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 (Never recieved one) 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. 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

What to reply with?
Missing prescribed terms as account UE or threat of doorstep visit or something to do with default notice never recieved or something else?
Cheers all

[Deepie]

Re: DaveyBoys UE enquiry

Afternoon all

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 (Never recieved one) 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. 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

What to reply with?
Missing prescribed terms as account UE or threat of doorstep visit or something to do with default notice never recieved or something else?
Cheers all

Just file it ...........I would

[DaveyBoy]

Re: DaveyBoys UE enquiry

Were you not defaulted in 2007? Because if you were, the default would be dropping off next year. You can't be defaulted twice for the same account even if it gets passed on (and Mercers are just in-house Barcraps threat monkeys). Have you checked that there was actually a default recorded for this in 2007?

Hi FP.
How would I check if one was recieved? I dont ever recall being sent one but when I set up my DMP i was advised to ask for all correspondence to be sent to Payplan? The default date in 2007 comes from what my credit file says. Payplan never gave me any info about anything they may have recieved.
Can a default notice be put on an account thats defaulted? Confused.com

[DaveyBoy]

Re: DaveyBoys UE enquiry

Thats good news then. Cheers FP and thanks to all for the ongoing help and advice

[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 (Never recieved one) 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. 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

Letter recieved from Barclaycard stating account been passed to Credit Solutions Ltd to manage collection of the balance outstanding on your account. Please as a matter of urgency contact CSL who will discuss with you proposals for repayment of the balance outstanding on your account.
Take it I ignore and wait for Credit Solutions first move? Cheers

[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 (Never recieved one) 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. 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 of the balance outstanding on your account. Please as a matter of urgency contact CSL who will discuss with you proposals for repayment of the balance outstanding on your account.

Now recieving daily phone calls and texts from CSL. I never responded to Barclaycards CCA response so do I keep on ignoring CSL or do I CCA them or is there something else to send. Cheers all

[Deepie]

Re: DaveyBoys UE enquiry

Now recieving daily phone calls and texts from CSL. I never responded to Barclaycards CCA response so do I keep on ignoring CSL or do I CCA them or is there something else to send. Cheers all

Have you had a letter from CSL ?

[DaveyBoy]

Re: DaveyBoys UE enquiry

Hi I2D. No letters from CSL just phone calls and texts. The last letter was from Barclaycard informing me CSL were managing the debt. Cheers

[Deepie]

Re: DaveyBoys UE enquiry

Hi I2D. No letters from CSL just phone calls and texts. The last letter was from Barclaycard informing me CSL were managing the debt. Cheers

If it were me then I would just ignore............. wait until they write to you..........

[DaveyBoy]

Re: DaveyBoys UE enquiry

Will do just that then! Cheers

[DaveyBoy]

Re: DaveyBoys UE enquiry

Barclays

Loan
Commenced Jan 2006
Balance outstanding £10,000
Last Full Payment Oct 2006 i think
Been on DMP since Jan 2007
Default Feb 2007
Owner Still Barclays

Feb 2012 - CCA Request Sent
Feb 2012 - CCA Recieved
Emailed Niddy
Feb 2012 - Niddy says
Mar 2012 - Stopped paying DMP
June 2012 - Letter recieved off Barclays CDCS - We can confirm we are in reciept of an offer of payment of ........ from your appointed representative. An arrangement has been set for the repayment of the remaining balance of ........... . Under this arrangement you should make monthly payment with effect from July 2012 until the outsanding balance is repaid or the agreement is changed. You can make additional payments but must continue to make the agreed monthly payment. Please note accepting your offer is a concession on our part, does not change our legal right to enforce this debt and is not a new or change to the existing contract. The arrangemnt is reviewed every 12 months but we reserve the right to review at any time when we may decide to end or renegotiate it. Details of this arrangement with be registered with licensed CRA's. This may impact your credit rating although it will demonstrate that you do intend to meet your obligations over time, increased payments will reduce the balance more quickly, early completion may improve your credit rating. Failure to make agreed payments can result in the arrangement failing and the remaining balance being sold to a DCA or in legal proceedings being taken..........IGNORED
Aug 2012 - Letter recieved off Barclays CDCS - Ourrecords tell us there is an arrangement in place for the above account to recieve repayment of no less than £x per month. Our records show no payment recieved since March. In order for this arrangement to continue, any outstanding payments must be madae asap. Any further missed payments will lead to this arrangement being made invalid and the account returned to active recoveries. This can have a significant effect on your credit rating. If you have made payments to your debt advice agency you should contact them asap to discuss this position........IGNORED

Sept 2012 - Letter recieved off CDCS. FINAL NOTICE, unless full settlement is made immediately your account will be placed in the hands of a professional debt collection agency for collection of the full outstanding balance. If you cant pay full balance immediately phone to discuss position. DO NOT IGNORE THIS LETTER ACT NOW

Time to blag with a MPT or another one to ignore? Also anything to send in relation to overdraft which has had the same letter (not cca'd)
Cheers all

[The Tech Clerk]

Re: DaveyBoys UE enquiry

Sept 2012 - Letter recieved of CDCS. FINAL NOTICE, unless full settlement is made immediately your account will be placed in the hands of a professional debt collection agency for collection of the full outstanding balance. If you cant pay full balance immediately phone to discuss position. DO NOT IGNORE THIS LETTER ACT NOW

Time to blag with a MPT or another one to ignore? Also anything to send in relation to overdraft which has had the same letter (not cca'd)
Cheers all

Blimey a Professional Debt Collection Agency??? Must be a new Boy to the Block. lol

[DaveyBoy]

Re: DaveyBoys UE enquiry

[QUOTE=DaveyBoy;161602]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 (Never recieved one) 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. 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 of the balance outstanding on your account. Please as a matter of urgency contact CSL who will discuss with you proposals for repayment of the balance outstanding on your account.

Letter recieved from power2contact
We have been instructed by our client to VISIT YOUR ADDRESS TO COLLECT THE ABOVE DEBT. You have made this action necessary as you have ignored all their requests to contact them and you have failed to pay your account.
Should you wish to avoid this action, you must contact our instructing agent (CSL) WITHIN 72 HOURS of receipt of this notice.

Reply with doorstep visit threat template? Also never replied to original CCA response which Niddy deemed UE so should I CCA CSL or send MPT out?

Cheers

[Deepie]

Re: DaveyBoys UE enquiry

[QUOTE=DaveyBoy;240157]

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 (Never recieved one) 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. 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 of the balance outstanding on your account. Please as a matter of urgency contact CSL who will discuss with you proposals for repayment of the balance outstanding on your account.

Letter recieved from power2contact
We have been instructed by our client to VISIT YOUR ADDRESS TO COLLECT THE ABOVE DEBT. You have made this action necessary as you have ignored all their requests to contact them and you have failed to pay your account.
Should you wish to avoid this action, you must contact our instructing agent (CSL) WITHIN 72 HOURS of receipt of this notice.

Reply with doorstep visit threat template? Also never replied to original CCA response which Niddy deemed UE so should I CCA CSL or send MPT out?

Cheers

Just send doorstep letter for now..........

[DaveyBoy]

Re: DaveyBoys UE enquiry

To Power 2 Contact?
Cheers I2D