Announcement

**overspender** · 21 October 2010, 14:14

Re: Angelag's ue Diary

Hi Angela,

Best thing to do is to list everything in an understandable format eg:

Creditor - Halifax
What you sent and when -
What response you got - (what they sent and date)

Do this for each creditor so it is an understandable format for people to understand and they can advise.

If possible scan each response and send to never-in-doubt@live.co.uk put your Username in the email title and then Niddy can relate it back to your diary and give you some advice as which steps to take next. Please bear with him he is a man in demand and it can take a few days for him to get back to you as his inbox has more traffic than the M25.

If people are ringing or hassling you both either ignore the calls or fail their security questions do not speak to them do everything in writing.

Good luck with your journey

Mrs O

**ANGELAG** · 21 October 2010, 14:31

Re: Angelag's ue Diary

Natwest
£4242.11
Credit Card
Started 2002
Last full payment June 2007
on dmp £18 per month
Recieving letters from natwest

June requested cca
July recieved copy agreement and terms and condtions (not done anything with this wasnt sure if unenforceable)
October sent letter to say unenforceable
October recieved letter to say enforceable and they have fulfilled my request
December recieved letter requesting payment or account will be placed in the hands of an external debt collector
December letter from triton credit services this account has been placed with them for immediate collection
January letter sent to triton to confirm account formally in dispute with natwest and they have 12 working days to reply.
January letter recieved from triton they have recommended natwest instruct solictors to take legal action
January letter recieved from triton to say they have fulfilled my request for cca and the account requires full payment in next 7 days
February letter recd from green and co solicitors on behalf of triton on behalf of natwest threatening court action in 7 days
March letter recd from rma saying they have not reached a suitable agreement and may have to recommend legal action
April letter recd from rma balance is seriously overdue
May letter from rma 30 day notice or will refer back to client
September letter from Wescot asking for payment
October letter from wescot asking for payment as all correct documents sent on 09/07/2010

**ANGELAG** · 21 October 2010, 17:52

Re: Angelag's ue Diary

Egg
£13485.73
Credit Card
Started 2002
Last Paid full payment:June 2007
Been on dmp but no longer paying
defaulted
recieve letters from Apex Credit but they refer everything back to egg.

17/6-requested cca
June-referred to egg
July-reminder sent
July-referred back to egg
July-received copy of agreement and terms and conditions
August-sent letter stating not prescribed terms (not sure if this is right)
August-account on hold referred back to egg
September-final response sent
September-letter stating unable to obtain copy docs
October-recieve another copy of agreement exactly the same as the one sent in July(reconstituted version)
October-requested an actual copy of my agreement

**ANGELAG** · 21 October 2010, 17:58

Re: Angelag's ue Diary

Cahoot
£3474.00
Personal Loan
Started June 2006
Last paid full payment June 2007
dmp £20 per month
Letters recieved from Cahoot

April requested cca
April loan agreement recieved(haven't done anything with it as no idea if its enforceable or not)

**ANGELAG** · 21 October 2010, 18:14

Re: Angelag's ue Diary

Barclaycard
£637.46
Credit Card
Started 2004
Last full payment June 2007
Defaulted
Recieving letters from Barclaycard but threatning to instruct Mercers

June cca requested
July Reminder sent
August final letter sent
September harrassment letter sent
September reply to harrassment letter
October requesting cca if not recd will become unenforceable
November letter to say account is unenforceable
October threatning letter to instruct mercers,doorstop visit
November default notice recieved from mercers
November reconstituted copy of credit agreement and copy of terms of credit agreement
November they believe what they have sent is correct and that there is no dispute
November terms and conditions
December letter from mercers saying the amount is still outstanding and a local debt collector may call at my home to obtain full repaymen[t
[/color]December sent letter stating i will only comunicate in writing and not to visit my home[/color]
December letter from resolvecall acting on behalf of mercers debt collections ltd to collect outstanding debt and they will take legal action if mercers is not contacted
January sent letter to resolvecall to say account formally in dispute with barclaycard
January letter recieved from mercers giving 48 hours before they pass it to my local debt collector who may pay me a visit
[/color]Sent final response letter[/color]
September received letter to say my account has been transferred to MKDP LLP
September received letter from mkdp llp asking me to contact them about payment
October received letter from mkdp llp asking for payment
December received letter from MKRR saying they have transferred it to raven recoveries to resolve it

**ANGELAG** · 21 October 2010, 18:25

Re: Angelag's ue Diary

MBNA 1 - Ends 67
Credit Card
Started August 2000
Last full payment June 2007
Defaulted
Recieving letters from mbna

16/4 requested cca
May reminder sent
June Final response sent
July complaint being dealt with
September letter confirming they havent responded to my request but still enforceable
October Default Notice
October copy of orginal agreement and copy of the agreement currently in place and a signed statement of account. But the copy of the agreement is incomplete so no court action will be taken
December - card from Allied International Credit ltd is a debt recovery agent and has been instructed by our client MBNA to recover balance
February letter from AEGIS asking for payment to settle account
July letter from MBNA to confirm account will be placed with dca
July letter from Fredrickson international ltd asking for payment

**ANGELAG** · 21 October 2010, 18:31

Re: Angelag's ue Diary

MBNA 2 - Ends 16
credit card
started August 2000
last full payment June 2007
no default recieved, not making payments
letters recieved from mbna

(Both started of as A & L credit cards, 1 was a visa, 2 a mastercard and then both taken over by mbna,some letters refer to both account numbers some dont)

16/4 requested cca
May reminder sent
June Final response sent
September (2010) letter confirming they havent responded to my request but still enforceable
July (2011)letter from mbna stating account will be placed with dca
July letter from fredrickson international asking for payment
August letter from fredrickson asking for payment
September letter from bryan carter solicitors giving me 14 days to make full payment or they will recommend further action

**ANGELAG** · 21 October 2010, 18:39

Re: Angelag's ue Diary

Natwest loan
£14186.52
Started 2002
Last full payment June 2007
on dmp pay one payment for loan and overdraft(but they have different account numbers and sort codes)
defaulted
Recieve letters from Triton

June cca requested
June recieved letter asking to go to a branch so a member of staff can photocopy either driving licence or passport and then fax to Triton (not sure what to do about this)
October re sent request for cca
October recieved original letter and cheque back with a letter asking for signature and further id (passport,driving licence)
November unable to action requset as unable to match signature requesting we send copy of driving licence or passport

**Never-In-Doubt** · 22 October 2010, 06:03

Re: Angelag's ue Diary

Hi & Welcome ;Hi ;Hi

Email me any agreements you've received so far so I can check them out. See my signature for details (use the live address) and also add your username here, in the subject line so I know it is you.

In the meantime send no letters out unless i've given you all clear, thing is we need to get upto date now cos I don't know what you've done or sent, so far - so lets get back on track and start from scratch. So email me any CCA's you've got, we'll sort them first then i'll update the rest of your thread - just make sure you have sent a CCA Request to each lender - one request and £1 chueque/PO per account, omitting overdrafts as these are CCA1974 exempt.

**Never-In-Doubt** · 23 October 2010, 10:53

Re: Angelag's ue Diary