Snudgerchops UE Diary.

[snudgerchops]

Re: Snudgerchops UE Diary.

Barclaycard CC


Balance: £8700
Default: Not Defaulted - AP marker on credit file.
Account Opened: 01/2004.

CCA request sent by recorded delivery. 03/03/2012.
Received response to CCA request. Letter dated 22nd March. (This date is outwith the 12+2).

21st May received letter from Mercers - Default notice.
21/05/12 - Mercers. DEFAULT NOTICE SERVED UNDER SECTION 87 (1) OF THE CONSUMER CREDIT ACT 1974.

22/06/12 - Mercers. Immediate action needed. A DEBT COLLECTOR MAY CALL AT YOUR HOME TO OBTAIN FULL REPAYMENT.

19/07/12 - Mercers. Written letters to you, you have not responded. Passing debt to Calder Financial, a representative may call at your address.

31/07/12 - Resolvecall. Barclaycard Account. Acting on behalf of Mercers. Should you fail to contact Mercers may lead to personal visit to your home and we may commence legal action.

06/08/12 sent Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation

9/08/12 - Letter from Resolvecall, account returned to Barclaycard.

31/01/14 - Barclaycard Inaccurate reporting to credit agencies & Formal Demand for payment.

[snudgerchops]

Re: Snudgerchops UE Diary.

EGG LOAN/ARROW GLOBAL


Balance: £7500
Default Date: 08/2009
Account Opened: 04/2006

CCA request sent by recorded delivery to Arrow Global. 03/03/2012.
Letter of response with Postal order returned. Dated, 15/03/2012.
Niddy advised to send this 16/03/2012. http://www.all-about-debt.co.uk/temp...lity/s2-t5.php
Following sent by recorded delivery 19/03/2012. http://www.all-about-debt.co.uk/temp...lity/s2-t5.php
04/042012. Received letter in response to above.
17/04/2012. Telephone call from RMA Resolve. Ignored.
23/04/12. Letter from RMA Resolve. Received 10 days after the date on their letter.
24/04/2012. 2nd letter from RMA Resolve. Received 7 days after the date on their letter.
16/03/12. Received a "recon" against an online agreement for one which was completed over the phone.
Niddy advised to send this. Our Templates | Unenforceability Templates | CCA Query - Forged Document Received
31/10/12. Letter from Solicitors acting on behalf of Britannica Recoveries.
03/11/12. Sent this. Account Sold whilst in Dispute
09/01/15. Received citation/writ/warrant from sheriff court on behalf of Britannica Recoveries S.A.R.L - Arrow.

[snudgerchops]

Re: Snudgerchops UE Diary.

MBNA CREDIT CARD/EXPERTO CREDITE


Balance: £4300
Default Date: 12/2009
Account Opened: 02/2003

CCA request sent by recorded delivery to Experto Credite. 03/03/2012.
Letter from Experto Credite, dated 5th March 2012, received 7th March. They have requested the information from MBNA. Full details of the letter can be seen by clicking the link in my first post above.

26/04/12 - Letter received from 'Aktiv Kapital', dated 118/04/12. They have bought the debt from Experto.
27/04/12 - Sent in response to above. http://www.all-about-debt.co.uk/templates/unenforceability/s3-t4.php

Letter from Experto Credite: Supplied documentation as requested.
10/05/11 Emailed Niddy and he says
12/05/12 - SENT - Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms
18/05/12 - Experto Credite - Resolve this balance, statement of account also included.

20/06/12 - Experto Credite - Failed to resolve matter. Through credit reference agency we cab see improvement in financial circumstances. Account is registered at CRA where a record of the amount is shown at your address.

09/07/12 - Aktiv Kapital - Purchased outstanding balance with Varde. Contact us arrange payment.

27/07/12 - Settlement Offer - Not received any communication from you. Call us.

26/09/12 - Claim to have sent the original credit agreement - the same documents Experto sent and which Niddy deemed unenforcible.

29/09/12 - Sent this in reply to above. Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

10/10/12 Letter from Aktiv Kapital demanding response.

[COLOR="Blue"]---> Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received)
13/10/12 Niddy advised to send the above. [/COLOR

17/10/12 - Letter from Aktiv. Account on hold until they try and find the documentation from the original creditor.

12/02/13 - Letter from Clark & Wells "Formal Demand" instructed by Aktiv Kapital - threat of legal proceedings.

[snudgerchops]

Hi All,

I'm hoping that today 03/03/12 is going to be the start of happier times for me as I begin my UE journey in ernest.

If you want some background on my situation please click the link below.

http://forums.all-about-debt.co.uk/s...ead.php?t=4998

Thanks to everyone involved with the site I'm so glad I found my way here.

Snudgerchops.

Key (Thank's to Pixie):

SENT = BLUE
RECEIVED = RED
OTHER INFO = GREEN