DaveyBoys UE enquiry

[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

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

[Never-In-Doubt]

Re: DaveyBoys UE enquiry

I'd not worry too much at this stage.....

[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

All been quiet on the western front until today when Barclays CDCS write telling me their records tell them 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.

All looks very standard template type letter so take it I ignore? Also had the same letter regarding Barclays Overdraft

Cheers all

[Never-In-Doubt]

Re: DaveyBoys UE enquiry

Hi Niddy. The standing order was cancelled to payplan in March and none of my creditors have had a penny off me since. The letters are strange as ive made no effort to contact anybody or make offers of payment since.
Cheers

ahh well, lets see what happens yea? Muppets

[DaveyBoy]

Re: DaveyBoys UE enquiry

Hi Niddy. The standing order was cancelled to payplan in March and none of my creditors have had a penny off me since. The letters are strange as ive made no effort to contact anybody or make offers of payment since.
Cheers

[Never-In-Doubt]

Re: DaveyBoys UE enquiry

Enforceable but time to blag with a missing prescribed terms letter? I Stopped paying the DMP in March

are you sure the dmp aint collecting cash from your account

If not just ignore and see what happens

[DaveyBoy]

Re: DaveyBoys UE enquiry

I've also had the same letter in relation to my Barclays overdraft which was also part of the DMP

[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
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.

Enforceable but time to blag with a missing prescribed terms letter? I Stopped paying the DMP in March

[Never-In-Doubt]

Re: DaveyBoys UE enquiry

see what they say - you replied, that's the main thing

[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- Missing prescribed terms letter sent

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.
I've not had any respone to the missing prescribed terms letter sent in March

[SXGuy]

Re: DaveyBoys UE enquiry

i dont think you can get a search removed on your credit file, and i dont even think a search harms your credit file, its only if you have applied for credit and its been declined, is when it hurts your credit file.

[DaveyBoy]

Re: DaveyBoys UE enquiry

Thanks for the info guys. I have got 1 debt currently enforceable so it does make sense to use any F&F funds to deal with this 1st. Is it common place for DCA'S to do Debit search/Traces and is it possible to get these removed?

[DaveyBoy]

Re: DaveyBoys UE enquiry

Thanks again Pixie. The only reason for me thinkng about F&F is because the accunt defaulted in 2007 so in theory drops off my credit file next year. I'm wanting to move house when CF improves but dont want mysterious debit searches/traces starting to appear on my CF. Thanks

[Deepie]

Re: DaveyBoys UE enquiry

Thanks Pixie and in 2 deep. Sound advice as always. So now they've admitted no CCA does anybody think its worth a cheeky F&F to try and put this one to bed?

I Wouldn't I would just leave it...........