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I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username. -
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: DaveyBoys UE enquiry
power2contact are pussys, i too sent the doorstep template and they still turned up.. told them to piss off at doorstep and he ran a mile. heard nothing from them since.Originally posted by DaveyBoy View PostEgg
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
MComment
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Re: DaveyBoys UE enquiry
Anybody else receives in the post yellow cards which job bloggs can read send complaint to FOS as they can act on it as against updated Regulations.I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: DaveyBoys UE enquiry
Ok. So my current state of affairs is as follows,
- Barclayloan - Enforceable and currently in the hands of Barclays CDCS, latest letter claims to be FINAL NOTICE before debt gets passed to a PROFESSIONAL DEBT COLLECTOR.
- Barclays Overdraft - Not CCA'd but letters all following same path as Barclayloan
- Cahoot now Santander - Nearly always UE and latest letter threatening further action to recover outstanding amount
- Egg Card now Barclaycard - UE and latest letter from power2contact on behalf of Credit solutions ltd threatening a doorstep visit
- Egg Loan sold to Apex - UE and letter from Apex confirming no CCA (no contact since)
Cheers allComment
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Re: DaveyBoys UE enquiry
I understand that the other half is not sure about unenforcability. Mine was the same. People on here will help you as they have done with me, it does get easier.
These DCA 's jump up and down and send threats but follow the advice given and it will get better
MComment
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Re: DaveyBoys UE enquiry
Daveyboy
You are in a very similar position to me and I feel for you.
It is difficult to get some people your wife and my OH being two to understand that these doorsteppers are just nothings.
The DCA's know fear of this has its place and thus why they use the tactic.
Like every debt is different every persons story is different. We have to deal with it in the best way we can for our families.
One of the reasons CAG has sold its soul. It is for debt warriors with an axe to grind for what they feel was some wrong to them. They advise as if it was them and do not take into account we the consumer have come for help not to be thrown to the wolves because we dont understand as deeply as they do what we can and cant do.
I am sure someone with more knowledge than me will advise you but just wanted to say best of luck with the rest of the journey.
KenComment
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Re: DaveyBoys UE enquiry
Hi Dave,Originally posted by DaveyBoy View Post
Whilst you can't guarantee someone won't show up, if you have sent the doorstep threat letter you may never see anyone. If someone did turn up remember they have no rights so in your position call the police.
Of course this is easier said than done, but only you know how much stress it's causing your family. I'm sure others will be along with regards to settling although the more the debt is passed on, the less you will end up paying if you did want to pay that is.
Good luck whatever you decide.
When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: DaveyBoys UE enquiry
As a lifelong solitary individual I am obviously in no position to advise anyone on how to handle wives and families, but I can make a few suggestions on how to handle this situation. All I can say regarding wives is to try to give them the opportunity to educate themselves. Keep talking about All About Debt and let them read some of the threads. If they can come to the right conclusion of their own volition, it will be so much more effective than if they were coerced.
The first point to realise is that full and final settlements are not necessarily full or final, and that they do involve a degree of risk. Many people have made what they thought was a final settlement, only to find that the DCA scum are still going to chase them for the remainder. Yes, there are some ways of approaching alleged creditors which are more effective than others, but no one method can ever guarantee that you will not receive further aggravation.
Do NOT be bullied into making settlements because of threatening behaviour. That only justifies their actions and makes it harder for the next poor sod who gets these threats. You become part of the problem and not part of the solution.
In reality, most of these goons are as scary as a cotton wool teddy bear. They are certainly not Sicilians who are going to break your door down, nail your kneecaps to the floor, and then swallow your children whole. Often, the doorstep visitor is just as much a victim of the system as you are. Many of them are unemployed or even pensioners just trying to eke a living from somewhere. They are not hardened advocates of usurious capitalism nor political apologists for the banking system, and most of them would much sooner not bang on your door if they felt they had a choice. They deserve more pity than hatred.
Of course, there are always going to be some hallucinatory Schwarzeneggers who will bang the door as though it was their mother-in-law, shout as though they were attempting to converse with the next street, and bellow and rave like the giant in a child's fairy tale, but I have still to hear of a single incident where one of these characters attempted to force entry to a property or otherwise commit a criminal offence which would justify a 999 call. They have no powers and they know it. Anyone who deals with them needs to know it as well.
Have you got a video camera or a cell phone which can capture video? If so, make sure it is ready and if one of the goons turns up make them aware that they are being filmed. All they will do is just bugger off again. It costs them time and fuel, so they won't want to play the losing game forever.
It is your choice, of course, but I urge you to think twice about giving in to bullying. Especially when that bullying is of such a pitiful standard that it scarcely qualifies as a threat.
SHComment
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Re: DaveyBoys UE enquiry
Cheers for all the support, advice and opinion guys. Haven't been able to post earlier as been busy with work, oh and the kids getting chicken pox hasn't helped! My gut feeling has always been to push UE and see what develops so will continue on that path and see how it progresses (hopefully other half will come round to it)
Does anybody think there's any value in pursuing the folowing? I've a Barclays overdraft that hasn't been CCA'd but it's following the exact same path as my Enforceable Barclayloan so it's currently in the hands of Barclays CDCS and their latest letter informs me it's a FINAL NOTICE before debt gets passed to a PROFESSIONAL DEBT COLLECTOR.
Balance is just over 1k but I would have thought I'd have been charged well into the hundreds in returned direct debit payments and going over the o/d limit over the years. Dont have any statements so is it worth a SAR request or do I keep that one in the back pocket for now?
CheersComment
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Re: DaveyBoys UE enquiry
I've certainly felt a lot more at ease since finding this great forum. I think one of the hardest things to think about when in debt is who to turn to - until now! When you have chance, take a read of some of the diaries, templates and other articles on here and you will feel even more relaxed!Originally posted by DaveyBoy View Post
I sent the same CCA request for a Barclays overdraft and the last thing i had was a letter offering to settle at 75%
When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: DaveyBoys UE enquiry
h sending the overdraft CCA letterComment
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Re: DaveyBoys UE enquiry
it's a FINAL NOTICE before debt gets passed to a PROFESSIONAL DEBT COLLECTOR.
Where, is this profesional?Last edited by The Tech Clerk; 8 October 2012, 21:09.I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: DaveyBoys UE enquiry
Barclays
Overdraft
Commenced Late 1990's
Balance outstanding £1,200
Last Transaction Oct 2006 i think
Been on DMP since Jan 2007
Default Feb 2007
Owner Barclays CDCS
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 - Our records 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........IGNORED
OCT 2012 - Letter recieved off Barclays Consumer Finance Collection and Recoveries - You have failed to comply with repayment requests of CDCS who were acting on our behalf. If you do not contact us within 7 days you account will be transferred to a DCA for recovery. This can only be avoided by contacting us and arranging a suitable repayment programme. THIS IS A SERIOUS MATTER THAT YOU MUST NOT IGNORE.........IGNORED
NOV 2012 - Letter recieved today from Barclays. Your Barclays Bank Account has now been transferred to The Lewis Group. You should contact the LG as a matter of urgency. We will no longer accept any communication from you. You must now make a full payment of the outstanding balance to LG quoting the refs above............WILL WAIT UNTIL LEWIS GROUP WRITE
NOV 2012 - FINAL DEMAND IMPORTANT issued by Lewis Debt Recovery. This notice has been issued on behalf of Barclays Bank PLC. We have been instructed by our client to collect the outstanding balance on their behalf because you have failed to make payment to them as required. Please act now to avoid further action. To stop further action you must pay the debt in full to Lewis Debt Recovery or contact your account manager to discuss the options available to you. Payment is due no later than 22nd Nov.
1. We will consider taking further action if you do not pay this debt by the date specified
2. A debt collector may be instructed to visit your home to discuss your financial circumstanes and reach acceptable arrangements for the payment of this debt.
NOV 2012 - Overdraft CCA Sent to Lewis Group
NOV 2012 - Yellow card recieved from Lewis Group asking me to call them.........IGNORED
NOV 2012 - Letter from Lewis Group. If you fail to make payment by Dec our instructions are to continue with further recovery action against you. To prevent further action you must make a payment to Lewis by Dec..........Replied with One Liner referring them to my unanswered overdraft CCA
DEC 2012 - Letter from Lewis Group. Please be advised we have contacted our client with regards to your enquiry. We will contact you once they reply..........FILED
DEC 2012 - Letter from Barclays CDCS which is identical (other than the dates on it) to the letter sent by them in June about being in receipt of an offer from an appointed representative (whoever they may be!).........IGNORED
Dec 2012- Letter from Lewis Group telling me they are dissapointed I haven't made arrangements to pay and they now intend to transfer the account to their field agents and arrange for a collector to visit to discuss how the debt can be paid.......Replied with the doorstep visit template
DEC 2012 - Letter recieved from Lewis group. We refer to your recent correspondence in which you made a request for info under section 77-78 of the CCA1974. Please be advised we are not the creditor in this matter and we are merely instructed to act on their behalf to recover any outstanding balance. The statutory obligation to provide this remains with Barclays and we suggest you submit your request to them directly......IGNORED Lewis have already told me they've contacted barclays about my CCA request so will see what develops
Comment
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Re: DaveyBoys UE enquiry
A new entry on my diary. Sending the Overdraft CCA request. Suspect charges etc will make up a fair portion of the balance outstanding.Originally posted by DaveyBoy View PostComment
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