Snudgerchops UE Diary.

[snudgerchops]

Re: Snudgerchops UE Diary.

They are supposed to register a default within 6 months of the date of the last payment.

Hi Pixie,

Thanks for your reply. Given that they have failed to do this is there anything I could do?

Thanks again

[Pixie]

Re: Snudgerchops UE Diary.

They are supposed to register a default within 6 months of the date of the last payment.

[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.


Hi All,

Received a letter from Barclaycard, In brief:

We've identified that we have been reporting inaccurate info about your account to Credit Reference Agencies, we apologise for this error and we are correcting it. Our reporting should have shown that your account had been defaulted.

Your account will be reported as defaulted from xx September 2012 with a balance of £xxxxx. We must give you notice of our intention to report your account. You have 28 days to make a repayment proposal. Formal demand enclosed with this letter.

Formal Demand



We previously issued default notice informing you that if you are unable to pay off outstanding balance we'll issue a formal demand for payment. We'll update credit refrence agencies within 28 days of the date of this letter. If you unable to reach a payment agreement will report as defaulted and legal proceedings could be taken against you. Call us.

So, is this anything to worry about, or is there anything I can do hear? I stopped paying this well before Septeember 2012.

Thanks in advance for your help.

Snudgerchops

[snudgerchops]

Re: Snudgerchops UE Diary.

Indeed, I2D is correct.

But don't you just feel sometimes like saying, stop pissing around, bring it on. My defence is ready to file as soon issue a claim. My costs are also prepared. Not a good idea obviously.

Yes, I know exactly what you mean. It can be very frustrating, that said I don't really worry too much about the letters I receive anymore, I try to look upon it as though I now get to frustrate and cost them money... that they are.

[snudgerchops]

Re: Snudgerchops UE Diary.

I would send account sold in dispute if it were me......

Thanks,

Will post first thing on Monday.

[vint1954]

Re: Snudgerchops UE Diary.

Indeed, I2D is correct.

But don't you just feel sometimes like saying, stop pissing around, bring it on. My defence is ready to file as soon issue a claim. My costs are also prepared. Not a good idea obviously.

[Deepie]

Re: Snudgerchops UE Diary.

I would send account sold in dispute if it were me......

[snudgerchops]

Re: Snudgerchops UE Diary.

Hi All,

Long time no post - been quiet since December until today that is, received the following.

Clark & Wells

Formal Demand

Dear XXX

Been instructed by Aktiv to recover overdue debt.

Clients have informed us they are unaware of any legitimate reason for non-payment, they would prefer amicable settlement but will not hesitate to COMMENCE LEGAL PROCEEDINGS if necessary.

Call us to make payment.

Was wondering whether to send "account sold in dispute" and "Threat of legal proceedings"?

Any advice greatly appreciated.

Thanks as always.

Snudgerchops.

Diary updated under MBNA.

[snudgerchops]

Re: Snudgerchops UE Diary.

Might be an idea to send this-----> Account Sold whilst in Dispute

Thanks for the advice.

Letter sent and diary updated.

Thanks as always.

Snudgerchops

[snudgerchops]

Re: Snudgerchops UE Diary.

No I haven't...I had to go back and look at the posts on 16/3/12...Might be an idea to update the first post to show that Niddy says it's UE.



I obviously hadn't read it properly...thought it said Britannica solicitors acting for Arrow Global

Will do

[Pixie]

Re: Snudgerchops UE Diary.

Hi Pixie,

Yes Niddy did say that - What a good memory you have

No I haven't...I had to go back and look at the posts on 16/3/12...Might be an idea to update the first post to show that Niddy says it's UE.

Might be an idea to send this-----> Account Sold whilst in Dispute

I obviously hadn't read it properly...thought it said Britannica solicitors acting for Arrow Global

[Deepie]

Re: Snudgerchops UE Diary.

Hi All,

Received letter today from Solicitors in relation to the above. The basics below:

Our Client - Britannica Recoveries:

We are solicitors, have been instructed by Arrow Global on behalf of Britannica.

We have been asked to contact you and agree how the sum will be repaid.

Please contact us on 1893183713719731

Our client has informed us that, in return for a lump sum payment in the short term, it may be prepared to accept less than the sum set out above in settlement.

Any idea what if anything I should sent in return?

Thanks as always

Snudgerchops

Might be an idea to send this-----> Account Sold whilst in Dispute

[snudgerchops]

Re: Snudgerchops UE Diary.

I don't think you need to reply to this, though someone may well say something different

Obviously you're not going to phone them

Did Niddy say this was UE because they responded with an online agreement when you applied by phone?

Hi Pixie,

Yes Niddy did say that - What a good memory you have

[Pixie]

Re: Snudgerchops UE Diary.

I don't think you need to reply to this, though someone may well say something different

Obviously you're not going to phone them

Did Niddy say this was UE because they responded with an online agreement when you applied by phone?

[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.

Hi All,

Received letter today from Solicitors in relation to the above. The basics below:

Our Client - Britannica Recoveries:

We are solicitors, have been instructed by Arrow Global on behalf of Britannica.

We have been asked to contact you and agree how the sum will be repaid.

Please contact us on 1893183713719731

Our client has informed us that, in return for a lump sum payment in the short term, it may be prepared to accept less than the sum set out above in settlement.

Any idea what if anything I should sent in return?

Thanks as always

Snudgerchops