GDPR Cookie Consent by SimpleServe Privacy Script DaveyBoys UE enquiry - AAD Consumer Forum

Announcement

Collapse
No announcement yet.

DaveyBoys UE enquiry

Collapse
X
 
  • Filter
  • Time
  • Show
Clear All
new posts

  • Re: DaveyBoys UE enquiry

    Originally posted by DaveyBoy View Post
    Egg

    Loan
    Commenced December 2005
    Balance outstanding £7,000
    Last Full Payment Oct 2006 i think
    Been on DMP since Jan 2007
    Default Feb 2007
    Owner Now Apex Credit Management

    Feb 2012 - CCA Request Sent
    12+2 days passes and no reply
    Mar 2012 - Stopped Paying DMP
    Mar 2012 - Letter from Apex acknowledging me making regular payments and offering a reduced settlement with a discount of up to 50% off the remaining balance. Still no CCA...............Ignored
    May 2012 - Letter from Apex telling me payment plan in arrears and is now in a state of default. Payment of arrears required within 72 hours. Still no CCA.............Ignored
    May 2012 - Letter from Apex telling me account still in arrears. Contact them to discuss to avoid escalation of account. Still no CCA..............Ignored
    May 2012 - Letter from Apex confirming "at present we are unable to obtain suitable copies of the required documentation from the original creditor in order to comply with your request" and "in light of this we will be removing your account from our normal collection activity." They go on to state "Although at this time your account is UE, we must advise you that the debt still remains, the balance is due and suitable collection activity may continue despite the unenforceability. We recommend payments are made to reduce outstanding liability and advise that at any time we may produce a recon copy of your agreement which would restore the enforceability." They have also sent me a cheque for £1.00 refunding the fee paid for this service........FILED
    March 2013 - Phone call from Apex asking me to 'ring them and discuss this matter'........Ignored
    March 2013 - Letter from Apex 'my chosen DMP provider has not made a payment for 60 days. Due to non payment the account will now be passed to collections within 7 days in order to commence the recovery of the outstanding balance........Will wait till collections write
    April 2013 - Letter from Apex telling me payment plan in arrears and is now in a state of default. Payment of arrears required within 72 hours.......Ignored like I did the last time I received this letter (May 2012)
    April 2013 - Another letter from Apex telling me payment plan in arrears........Ignored
    Another day, another letter from Apex. 'My account continues to be in arrears despite requests to bring these up to date. Should it remain this we will have to consider escalating your account to be reviewed for further action. Call us today, it is our intention to resolve this matter collaboratively.'
    Time to reply to this drivel? I'm also getting daily phone calls from them and now have over 20 different numbers stored in my phone as 'Apex Ignore'

    Comment


    • Re: DaveyBoys UE enquiry

      Originally posted by DaveyBoy View Post
      Another day, another letter from Apex. 'My account continues to be in arrears despite requests to bring these up to date. Should it remain this we will have to consider escalating your account to be reviewed for further action. Call us today, it is our intention to resolve this matter collaboratively.'
      Time to reply to this drivel? I'm also getting daily phone calls from them and now have over 20 different numbers stored in my phone as 'Apex Ignore'
      I would send this ---->Final Response - UE (No CCA Received) Along with----> Harassment by Telephone
      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


      • Re: DaveyBoys UE enquiry

        Originally posted by Deepie View Post
        I would send this ---->Final Response - UE (No CCA Received) Along with----> Harassment by Telephone
        Thanks Deepie. Couldn't decide whether Final Response - UE (No CCA Received) or CCA Query - Letter Previously Confirming No CCA was the one I would need to send. Cheers

        Comment


        • Re: DaveyBoys UE enquiry

          Originally posted by DaveyBoy View Post
          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 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.........IGNORED
          Oct 2012 - 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........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, Despite numerous attempts to contact you balance remains unpaid and following discussions with our client we are now able to offer a reduced sum using a tailored instalment programme. The issue will not just go away so telephone our "Deal Maker" team. The offer is only available for 14 days and failure to contact us will result in your account being recommended for further action which could result in a visit by one of our doorstep collectors......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, which could result in one or more of the following:-
          A COUNTY COURT JUDGEMENT, YOUR POSSESIONS BEING SEIZED, ATTACHMENT OF EARNINGS, YOU PAYING COURT COSTS. Contact us now to avoid this action..............REPLIED WITH THREAT-O-GRAM BEFORE ACTION
          Nov 2012 - Letter from Power2Contact - FORMAL NOTICE OF INTENDED VISIT, We have been instructed to visit you to make a Financial Evaluation prior to any potential Legal Proceedings being taken against you................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. It then carries on with the usual rubbish about it simply being another option available to assist me, quotes subsection 2.12 of the Office of Fair Tradings guidlines about adequate notice being given and that an order to refuse access can only come from a court and not an individual. They have again enclosed the company's complaints proceedure and a Financial Ombundsmen Service leaflet for my reference.....Will see what follows
          April 2013 -Letter from Moorcroft Debt Recovery Limited. They have been instructed by Barclaycard 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
          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
          Letter received from Moorcroft stating they are communicating with Barclaycard regarding my query and during these communications follow up action will be suspended.
          Cheers SH, they've got the message now!

          Comment


          • Re: DaveyBoys UE enquiry

            sometimes takes a wee while..................

            Comment


            • Re: DaveyBoys UE enquiry

              Originally posted by MrsD View Post
              sometimes takes a wee while for the penny to drop..................
              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


              • Re: DaveyBoys UE enquiry

                Originally posted by DaveyBoy View Post
                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 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.........IGNORED
                Oct 2012 - 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........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, Despite numerous attempts to contact you balance remains unpaid and following discussions with our client we are now able to offer a reduced sum using a tailored instalment programme. The issue will not just go away so telephone our "Deal Maker" team. The offer is only available for 14 days and failure to contact us will result in your account being recommended for further action which could result in a visit by one of our doorstep collectors......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, which could result in one or more of the following:-
                A COUNTY COURT JUDGEMENT, YOUR POSSESIONS BEING SEIZED, ATTACHMENT OF EARNINGS, YOU PAYING COURT COSTS. Contact us now to avoid this action..............REPLIED WITH THREAT-O-GRAM BEFORE ACTION
                Nov 2012 - Letter from Power2Contact - FORMAL NOTICE OF INTENDED VISIT, We have been instructed to visit you to make a Financial Evaluation prior to any potential Legal Proceedings being taken against you................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. It then carries on with the usual rubbish about it simply being another option available to assist me, quotes subsection 2.12 of the Office of Fair Tradings guidlines about adequate notice being given and that an order to refuse access can only come from a court and not an individual. They have again enclosed the company's complaints proceedure and a Financial Ombundsmen Service leaflet for my reference.....Will see what follows
                April 2013 -Letter from Moorcroft Debt Recovery Limited. They have been instructed by Barclaycard 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
                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
                Letter received 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'

                The actual reply came in April 2012 and was deemed UE by Niddy

                Account now on temporary hold in order for me to receive letter and contact Moorcroft to discuss repayment. Follow up action will re-commence if contact is not made promptly.

                Any suggestions to reply with?
                Thanks all

                Comment


                • Re: DaveyBoys UE enquiry

                  Originally posted by DaveyBoy View Post
                  Any suggestions to reply with?
                  Thanks all
                  If it was me, I would ignore this drivel to take more time off the clock, and then when the promised “follow up action” occurred, I would send a Missing Prescribed Terms letter.

                  CCA Query - Missing Prescribed Terms - allaboutDEBT UK

                  It will need amending slightly, as it wasn't “them” but the original creditor which sent the non-compliant document, but that should be easy enough to do.

                  SH

                  Comment


                  • Re: DaveyBoys UE enquiry

                    Originally posted by ScabHunter View Post
                    If it was me, I would ignore this drivel to take more time off the clock, and then when the promised “follow up action” occurred, I would send a Missing Prescribed Terms letter.

                    CCA Query - Missing Prescribed Terms - allaboutDEBT UK

                    It will need amending slightly, as it wasn't “them” but the original creditor which sent the non-compliant document, but that should be easy enough to do.

                    SH
                    Thanks SH.
                    The modified missing prescribed terms it is then. Will leave it until they start the follow up action as well also.
                    Cheers

                    Comment


                    • Re: DaveyBoys UE enquiry

                      Originally posted by DaveyBoy View Post
                      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 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.........IGNORED
                      Oct 2012 - 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........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, Despite numerous attempts to contact you balance remains unpaid and following discussions with our client we are now able to offer a reduced sum using a tailored instalment programme. The issue will not just go away so telephone our "Deal Maker" team. The offer is only available for 14 days and failure to contact us will result in your account being recommended for further action which could result in a visit by one of our doorstep collectors......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, which could result in one or more of the following:-
                      A COUNTY COURT JUDGEMENT, YOUR POSSESIONS BEING SEIZED, ATTACHMENT OF EARNINGS, YOU PAYING COURT COSTS. Contact us now to avoid this action..............REPLIED WITH THREAT-O-GRAM BEFORE ACTION
                      Nov 2012 - Letter from Power2Contact - FORMAL NOTICE OF INTENDED VISIT, We have been instructed to visit you to make a Financial Evaluation prior to any potential Legal Proceedings being taken against you................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. It then carries on with the usual rubbish about it simply being another option available to assist me, quotes subsection 2.12 of the Office of Fair Tradings guidlines about adequate notice being given and that an order to refuse access can only come from a court and not an individual. They have again enclosed the company's complaints proceedure and a Financial Ombundsmen Service leaflet for my reference.....Will see what follows
                      April 2013 -Letter from Moorcroft Debt Recovery Limited. They have been instructed by Barclaycard 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
                      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 today:

                      1 from Moorcroft stating follow up action to be suspended whilst they communicate with Barclaycard regarding my query (modified Missing Prescribed terms as per ScabHunters advice)

                      1 from Barclaycard which is a duplicate CCA response from Apr 2012 - Niddy says 'All this is is a recon, holds no substance and is all the way'

                      The only difference being on the covering letter they've added a few paragraphs at the end trying to empathise with my situation and apologising if I find their contact harassing. They also mention 'you refer to the consumer protection from unfair trading regs, we do not accept there is any basis to assert that we have not fully complied with our obligation' and 'our records show we are providing all the relevant documents required by law, we have fully investigated your request and have provided all appropriate details and therefore we do not accept any actions taken will be a breach of OFT guidelines'. They close by saying they 'know your account is not in dispute because of any delay in providing your copy documents as section 78(6)(b) was repealed on 31st May 2008.

                      I never sent Barclaycard a reply to this back in April last year so should I pop off a missing prescribed terms to them or leave it as Moorcroft are contacting them regarding the missing prescribed terms I sent to them.

                      Cheers all!

                      Comment


                      • Re: DaveyBoys UE enquiry

                        Id ignore if moocrap are already dealing with it.
                        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


                        • Re: DaveyBoys UE enquiry

                          me too

                          Comment


                          • Re: DaveyBoys UE enquiry

                            Originally posted by SXGuy View Post
                            Id ignore if moocrap are already dealing with it.
                            Originally posted by MrsD View Post
                            me too
                            Thanks guys. I'll do just that then.
                            Cheers

                            Comment


                            • Re: DaveyBoys UE enquiry

                              Originally posted by DaveyBoy View Post
                              Egg

                              Loan
                              Commenced December 2005
                              Balance outstanding £7,000
                              Last Full Payment Oct 2006 i think
                              Been on DMP since Jan 2007
                              Default Feb 2007
                              Owner Now Apex Credit Management

                              Feb 2012 - CCA Request Sent
                              12+2 days passes and no reply
                              Mar 2012 - Stopped Paying DMP
                              Mar 2012 - Letter from Apex acknowledging me making regular payments and offering a reduced settlement with a discount of up to 50% off the remaining balance. Still no CCA...............Ignored
                              May 2012 - Letter from Apex telling me payment plan in arrears and is now in a state of default. Payment of arrears required within 72 hours. Still no CCA.............Ignored
                              May 2012 - Letter from Apex telling me account still in arrears. Contact them to discuss to avoid escalation of account. Still no CCA..............Ignored
                              May 2012 - Letter from Apex confirming "at present we are unable to obtain suitable copies of the required documentation from the original creditor in order to comply with your request" and "in light of this we will be removing your account from our normal collection activity." They go on to state "Although at this time your account is UE, we must advise you that the debt still remains, the balance is due and suitable collection activity may continue despite the unenforceability. We recommend payments are made to reduce outstanding liability and advise that at any time we may produce a recon copy of your agreement which would restore the enforceability." They have also sent me a cheque for £1.00 refunding the fee paid for this service........FILED
                              March 2013 - Phone call from Apex asking me to 'ring them and discuss this matter'........Ignored
                              March 2013 - Letter from Apex 'my chosen DMP provider has not made a payment for 60 days. Due to non payment the account will now be passed to collections within 7 days in order to commence the recovery of the outstanding balance........Will wait till collections write
                              April 2013 - Letter from Apex telling me payment plan in arrears and is now in a state of default. Payment of arrears required within 72 hours.......Ignored like I did the last time I received this letter (May 2012)
                              April 2013 - Another letter from Apex telling me payment plan in arrears........Ignored
                              April 2013 - Letter from Apex - My account continues to be in arrears despite requests to bring these up to date. Should it remain this we will have to consider escalating your account to be reviewed for further action. Call us today, it is our intention to resolve this matter collaboratively.........replied with Final Response - UE (No CCA Received) & Harassment by Telephone
                              April 2013 - 6 Monthly statement received.
                              May 2013 - Letter from Apex - Account referred to Apex Purchased Portfolios for their consideration
                              Its only taken them a year but those tinkers at Canada Square have now supplied me with a signed response to my CCA request thats come via Apex. Now I know I've read on here that his Nidship wont give opinions on Egg agreements after losing one recently in the high court so I'm guessing as I'm no expert on these things it may be time to send them the missing prescribed terms and put the ball back into their court.
                              Cheers all

                              Comment


                              • Re: DaveyBoys UE enquiry

                                Originally posted by DaveyBoy View Post
                                it may be time to send them the missing prescribed terms and put the ball back into their court.
                                Cheers all
                                That is what I would do in the circumstances.

                                SH

                                Comment

                                Working...
                                X