Snudgerchops UE Diary.

[Undercover Elsa]

Re: Snudgerchops UE Diary.

Hi Snudgerchops,
Re your Doorstep letter for Scotland, I've edited the standard template and Niddy's OK'd it, so here you go:

Dear Sirs
Account No/Reference No: XXXXXXXX
Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me over the past few weeks and these have been duly logged by time and date. Should it be your intention to arrange a doorstep visit, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you.

Any attempt to visit will be pointless, as no discussion will take place and you will merely be asked to leave, which under Common Law you must do immediately upon request.

For your reference I also draw your attention to the Land Reform (Scotland) Act, 2003, specifically chapter section 6 (1)(b)(iv) which States:-
6 Land over which access rights not exercisable
(1) The land in respect of which access rights are not exercisable is land—
(which)
(iv) comprises, in relation to a house or any of the places mentioned in paragraph (a)(ii) above, sufficient adjacent land to enable persons living there to have reasonable measures of privacy in that house or place and to ensure that their enjoyment of that house or place is not unreasonably disturbed;

I trust I make my position clear and that you will communicate in writing only as per my reasonable request.

Yours faithfully,

SIGN DIGITALLY

Elsa x

[MrsD]

Re: Snudgerchops UE Diary.

that's what he's there for...............

[snudgerchops]

Re: Snudgerchops UE Diary.

Ok since it's UE and has been sold in the meantime, I'd be sending a sold in dispute

Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

don't bother with the one liner, as a rough rule if someone new appears on the scene, this is what I would send.

Brilliant - Thanks very much. Postman is going to be busy!!!

[MrsD]

Re: Snudgerchops UE Diary.

Ok since it's UE and has been sold in the meantime, I'd be sending a sold in dispute

Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

don't bother with the one liner, as a rough rule if someone new appears on the scene, this is what I would send.

[snudgerchops]

Re: Snudgerchops UE Diary.

Hi Snudgerchops

Glad you are feeling a bit better, I wouldn't do any more ignoring as you've been pretty lucky so far........... Is this one UE or are we still awaiting Niddy's pronouncement? regardless for the moment I'd do a one liner refering them to your letter of 12/05/2012. keep em a bit busy.

Hi MrsD - Thanks for your reply. Niddy says this is

Was wondering if there was a template for this? Found "account sold whilst in dispute template"? Or is this the wrong thing to do?

Thanks again

[MrsD]

Re: Snudgerchops UE Diary.

Sorry about this guy's, told you I had ignored a lot.

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. Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

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

Abbreviated versions below - Also ignored.

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.

Thanks again for all the assistance.

Should I just ignore these for the time being?

Hi Snudgerchops

Glad you are feeling a bit better, I wouldn't do any more ignoring as you've been pretty lucky so far........... Is this one UE or are we still awaiting Niddy's pronouncement? regardless for the moment I'd do a one liner refering them to your letter of 12/05/2012. keep em a bit busy.

[Pixie]

Re: Snudgerchops UE Diary.

Good to hear you're on the mend.

As FP has said, your health comes first. x

EDIT: no need to apologise.

[snudgerchops]

Re: Snudgerchops UE Diary.

Sorry about this guy's, told you I had ignored a lot.

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. Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

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

Abbreviated versions below - Also ignored.

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.

Thanks again for all the assistance.

Should I just ignore these for the time being?

[snudgerchops]

Re: Snudgerchops UE Diary.

Just looking into the Scottish Law aspect for you Snudgerchops.

Sorry to see you've been ill, hope you're feeling better now,

Elsa x

Much better now - Thanks Elsa.

[Undercover Elsa]

Re: Snudgerchops UE Diary.

Just looking into the Scottish Law aspect for you Snudgerchops.

Sorry to see you've been ill, hope you're feeling better now,

Elsa x

[IF]

Re: Snudgerchops UE Diary.

No need to apologise snudgerchops, as FP has said just look after yourself.

Best wishes
If...x

[snudgerchops]

Re: Snudgerchops UE Diary.

Yes, as they are the ones writing to you.

Sorry - Just read this template. Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit

This mentions English Common Law, I'm on Scotland would this still apply?

Thanks again

[snudgerchops]

Re: Snudgerchops UE Diary.

Keep the DN safe together with the envelope it came in but don't mention it to anyone.

Mercers and Calders are both in-house Barcraps. When I got a similar letter back in January from Scotcall I sent both the threat of litigation ---> Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation and doorstep threat ---> Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit letters in the same envelope and the little chicks dropped the account like a hot potato, they replied saying "please find paperwork relating to an account we are no longer handling" with copies of the two letters on the very same day they received them. To clarify, this would go to Resolvecall.

That was the last I heard from anyone regarding that account.

Brilliant,

Thanks very much. I will print these off and post them today. Should I just send the letters to Resolvecall?

[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.

Ok Guys,

As I mentioned earlier been ignoring. So, abbreviated versions of letters below.

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.

Do you think I should now write to Resolve or Mercers and what would be the best letter to send?

Thanks everyone for your help.

Snudgerchops.

[snudgerchops]

Re: Snudgerchops UE Diary.

Hello Everyone,

I've been quite unwell over the last two months and as a consequence I have not replied to any correspondence from my creditors. I know that this was the wrong thing to do but all I can tell you is that I was in no fit to do so. It's only now after some weeks of medication that I am almost back to normal.

So, my apologies to you all, I value this site and it's contributors more than I can tell you.

I'm going to try and update the diary in date order of correspondence received, I've ignored so many that some have been passed from one collection agency to another.

Hopefully you can be patient with me. Sorry for all the trouble.

Thanks to everyone for your help.

Snudgerchops