Squirrelnutkin UE Diary

[Never-In-Doubt]

Re: Squirrelnutkin UE Diary

Re Capital One: received two letters from Capquest, one dated 1st February stating that they are

"unable to comment on the dispute you have raised as this was prior to our involvement and at the time the account was passed to us we were unaware of any existing query. Therefore we are closing the account on our system."

Then the next day another letter arrived dated 2nd February stating

"We can confirm your account has been placed on hold until 15th Feb 11 whilst we investigate this matter for you."

Hmm

Hmmm, lets see what happens next yea?

[Deepie]

Re: Squirrelnutkin UE Diary

Re Capital One: received two letters from Capquest, one dated 1st February stating that they are

"unable to comment on the dispute you have raised as this was prior to our involvement and at the time the account was passed to us we were unaware of any existing query. Therefore we are closing the account on our system."

Then the next day another letter arrived dated 2nd February stating

"We can confirm your account has been placed on hold until 15th Feb 11 whilst we investigate this matter for you."

Hmm

that sounds like good news, just ignore the letters. you will prob get a letter from crap one soon saying its been passed back to them

[Squirrelnutkin]

Re: Squirrelnutkin UE Diary

Re Capital One: received two letters from Capquest, one dated 1st February stating that they are

"unable to comment on the dispute you have raised as this was prior to our involvement and at the time the account was passed to us we were unaware of any existing query. Therefore we are closing the account on our system."

Then the next day another letter arrived dated 2nd February stating

"We can confirm your account has been placed on hold until 15th Feb 11 whilst we investigate this matter for you."

Hmm

[Squirrelnutkin]

Re: Squirrelnutkin UE Diary

Ok Niddy many thanks

Guess I will have to arrange to make payments on that one again then...

[Never-In-Doubt]

Re: Squirrelnutkin UE Diary

Hi once again Niddy!

Have emailed the MBNA CCA to you (as discussed earlier).

Hiya, this looks good to be fair - seems they have found the original terms and stuck em at the bottom! Bummer....

[Squirrelnutkin]

Re: Squirrelnutkin UE Diary

Hi once again Niddy!

Have emailed the MBNA CCA to you (as discussed earlier).

[Never-In-Doubt]

Re: Squirrelnutkin UE Diary

Hi Niddy,

Eek...did not realise I should send everything recorded-sent ALL CCA requests recorded but have been sending most other letter normal 1st class post. Know better now

However, Fredrickson have received my letter re Mint and have replied as follows:

"Thank you for your recent communication.

Our client has instructed us that is you require copy statements or a copy of your agreement detailing how your balance has accrued, or any other data protection request then you will need to write to them direct at the following address:

Data Protection Requests
etc

Please note that you will need to send a covering letter specifiacally stating what it is you require and encloses a cheque or postal order for £10.00 made payable to RBS.

Our client will process these request directly.

Your etc"

£10.00? So what it that all about?

Ignore them, the £10 is the SAR fee..... not relevant to you.

As for the letters - EVERYTHING must go recorded except legal replies which go special. You have no proof of anything so if they go for a ccj they will beat you - point is, prove that you sent that letter on X date? You can't can you?

Send everything recorded.

[Squirrelnutkin]

Re: Squirrelnutkin UE Diary

Hi Niddy,

Eek...did not realise I should send everything recorded-sent ALL CCA requests recorded but have been sending most other letter normal 1st class post. Know better now

However, Fredrickson have received my letter re Mint and have replied as follows:

"Thank you for your recent communication.

Our client has instructed us that is you require copy statements or a copy of your agreement detailing how your balance has accrued, or any other data protection request then you will need to write to them direct at the following address:

Data Protection Requests
etc

Please note that you will need to send a covering letter specifiacally stating what it is you require and encloses a cheque or postal order for £10.00 made payable to RBS.

Our client will process these request directly.

Your etc"

£10.00? So what it that all about?

[Never-In-Doubt]

Re: Squirrelnutkin UE Diary

You have to presume that the letters have crossed. Have you got proof of delivery yet from online?

[Squirrelnutkin]

Re: Squirrelnutkin UE Diary

Hi Niddy

Re Barclaycard I sent the harrassment letter as advised to Apex on 21st January.

I received another letter from Apex today dated 25th Jan. It reads as follows:

"Home visit agent instructed [in box at top of letter]

We have written to you on numerous occasions and note no contact has been made.
Our previous letter gave you a final opportunity to make payment or your account will be passed to an external doorstep agent who will arrange a visit to your property. Our field agent will now be instructed to arrange a visit at a time that is suitable to them.
Should you wish to arrange payment on your account prior to our agent's visit, it is imperative you call our office without further delay."

Erm...they claim to have written to me on numerous occasions? I have only ever had one letter from them and that was the previous one also threatening home visit!

Now I sent my letter to them on 21st as I said-do I assume this crossed in post?

Re Mint Also today, I received a letter from Fredrickson dated 24th January. It reads:

LETTER BEFORE ACTION

THIS DEBT MUST BE PAID IN FULL TO THESE OFFICES WITHIN THE NEXT 7 DAYS OTHERWISE WE WILL TAKE IMMEDIATE ACTION

Should it be necessary to issue proceedings in the Count Court (or the Sheriff Court as may be appropriate), further additional costs will be added to the balance outstanding.

If a judgement or Decree remains unsatisfied a bailiff or sheriff officer may be instructed to recover assets to discharge then outstanding debt. Judgement debts are registered by the court. A Judgement debt or Decree against you would seriously affect your ability to obtain credit in the future.

Payment can be accepted etc"

I wrote to them on 21st Jan with the letter you had suggested in your post of same day.

Again do I assume it has crossed in the post?

[Squirrelnutkin]

Re: Squirrelnutkin UE Diary

Many thanks to October, nanna and in 2 deep for all your kind comments-much appreciated

[Never-In-Doubt]

Re: Squirrelnutkin UE Diary

Hi October!

They have passed mine to a DCA called Apex, who threatened doorstep visit-that's why I was getting twitchy I think. It's great to hear from others in same boat-thank you.

I see you have one with MBNA like me too!

Ahh, now if they are threatening you - that's different! Send the nasty sods at Apex this: ---> Harassment & Threat of Doorstep-Visit Template

[Never-In-Doubt]

Re: Squirrelnutkin UE Diary

Hi Niddy,

I think worried is my default mode at the moment!

I know you know what you are doing-it's myself I don't trust, believe me!

I had been reading other people's diaries and noticed they had sent CCA reminders when they had not received one. I was worried in case I should have sent one of those to Barclaycard.

Thanks once again.

Hiya, that template is there as an "add-on" and not really used that much to be fair..... don't worry, it's all in hand

[nanna58]

Re: Squirrelnutkin UE Diary

hi squirrel
know what you mean about twitchyness but honestly Nid knows exactly what he is doing. I am the panicky one here THATS MY JOB.Think about it it makes perfect sense we want them to cock up by not compling with things,so sit tight and do what Nid says t the letter.

[Deepie]

Re: Squirrelnutkin UE Diary

Hi October!

They have passed mine to a DCA called Apex, who threatened doorstep visit-that's why I was getting twitchy I think. It's great to hear from others in same boat-thank you.

I see you have one with MBNA like me too!

hi welcome to the dca merry go round you be fine i started my un jurney oct 2008