Riberaclass UE Diary

[Riberaclass]

My original thread can be found here: ---> viewtopic.php?f=13&t=730

I have since started a diary, details in the posts below......

My debts currently stand as follows:

• 1. Citi 16/5/08 (althought this was an Easyjet card originally)
  2. Sainsbury 4/4/06
  3. MBNA 3/5/06
  4. BC 25/7/07
  5. MBNA 11/10/06
  6. Mint 10/9/05
  7. Lloyds 9/1/97
  8. BC 18/9/07
  9. Lloyds 22/5/07
  10. M&S 29/8/06

[Riberaclass]

Re: Riberaclass UE Diary

BARCLAYCARD 1

C.C BALANCE 2000+ Last paid August
No further payments made
Barclays sent 'acccount in arrears' - now appears to be passed to Mercers.

4/10 sent cca request
19/10 normal statement from BC saying 'you've failed to make the payment to bring your account up to date'.
19/10 letter from Mercers
25/10 Sent cca follow up letter as per Nidd.
25/10 Sent 'sold whilst in dispute letter' to Mercers as per Nidd.
2/11 Received letter from Mercers 'we will send a debt collector to visit you'
5/11 Received letter from BC - Enclosed are copy T&C. To Nidd.
5/11 Another letter from BC -(from different branch!) Enclosed are copy T&C.
To Nidd.
10/11 Still getting many phone calls per day from Mercers despite letter 25/10.
Feb Letter From 'Calder Financial'.
12/111 Sent letter to Mercers re calls
12/11 Recieved letter from 'Resolvecall' - We are acting on behalf of Mercers
Nov Sent letter to 'Resolvecall' as per N instructions.
Nov Recieved letter from BC saying 'we do not have to provide copy of CCC'??
Copy to N.
Dec 'Final Response' letter from BC.
Dec Threat of visit from Mercers. Copy of both to N.
Jan Letter to Mercers re N's advice
Apr Received letter from BC. Debt sold to MKRR.
Apr Received letter from MKRR - pay up & usual stuff.
Apr Ignore per N.
May More threats from MKRR

[Riberaclass]

Re: Riberaclass UE Diary

BARCLAYCARD 2

CC BAL o/s 4400 approx Last paid August
No further payments made. Account in arrears
Still with Barclays

4/10 Sent Sent CCA request.
20/10 Received letter from BC saying 'you are behind with your payments' -
copy of letter to Nidd 3/11.
12/11 Received letter from Mercers. Still no CCA.
Dec Another threatening letter from Mercers. Still no CCA.
Jan Sent 'do not call' letter as per N.
Jan Received statement from BC saying 'you account has been withdrawn' & now passed to Mercers. Will continue to ignore.
Feb Received letter from Mercers. 'If you do not contact us we may sell your account to a DCA.'
April Received letter from BC. 'Your balance is now due'.
May Received letter from 'Allied International credit' giving 'options' to pay.
June Received threatening letter from 'Chilvers & Strachan'.
July Received threats from Moorcroft 'to commence litigation'.As still no CCA I've sent 'final response' letter.
Aug Received letter form Moorcoroft. 'Possible litigation'.

[Riberaclass]

Re: Riberaclass UE Diary

Citi CC

Bal o/s 1885
C.Card. Trans to Citi 05/08 (Previously Easyjet)
Last paid 3/8 In arrears Still with Citi.

Oct CCA requested.
2/11 Letter from Citi saying 'we enclose a true copy of your agreement'. No copy of anything with signature or terms. Just what appears to be 15 pages of types T&Cs. Do you want copyof letter/t&c?
5/11 Copy letter to Nidd
Dec Received letter from 'Opus' quoting unknown card number. Account in arrears & default notice.
Dec Statement from Opus - you are in arrears & unless paid we will close your a/c!
Jan Statement from Opus - 'your a/c is in arrears'. Will ignore.

[Riberaclass]

Re: Riberaclass UE Diary

LLOYDS CC 1

Balance 9800 approx Taken out 1997
Last paid Aug. In arrears. Still with Lloyds.

Oct Sent CCA request.
Nov. Recieved Income & Expenditure form - 'please complete & return (& sign)'
5/11 Copy letter to Nidd.
Dec Default notice. Still no CCA.
Dec Threat from 'SCM' sols. Copy to N.
Jan Sent letter to SCM as per N's advice.
Jan Received - Letter from Lloyds. Copy to N.
Jan Nidd says U/E !!!
Jan Received monthly Statement 'account overdue & we have instucted DCA'.
Feb Received letter from 'MHA collections'.
Feb Received letter form Lloyds 'we enclose reconstituted agreement' copy to N.
Feb Sent letter to Lloyds.
March Received letter from MHA offering discounts if I pay!
March Received letters from Lloyds. First one 'we cannot agree with your complaint' & 'we are unable to locate your original signed agreement'. Second letter 'the reconstituted version of the original agreement contained an error' together with what looks like the original agreement. I'm very confused!
March N. says ignore.
April Received letter from 'Wescot'. Pay up or further action etc.
April N. says ignore,
May 'Final notice' from Wescott.
May Sent 'a/c in dispute' letter as per N.
June Received letter from 'Wescot' - 'We are suspending collections activity on this a/c whilst we investigate your query'.

[Riberaclass]

Re: Riberaclass UE Diary

MBNA Credit Card 1

Balance 7800 Taken out 5/06 Previously A&L card.
Last paid July. No further payments made.
Still with MBNA

Oct Sent CCA request
Nov - Various 'you are in arrears' letters.
Nov - Credit card statement is also 'your notice of default sums'.
Nov Threatening letter from MBNA. Still no CCA. Copy to N.
Dec Threatening letter from 'Optima' 'Our client may issue legal proceedings against you.' Still no CCA. Copy to N.
Jan Sent letter to Optima as per N's advice.
Jan Received letter from MBNA. 'They are unable to comply with my request'. Nidd says U/E!!!!
Feb Received letter from MBNA ' Notice of sums in arrears' & 'You are behind with your payments' & var threats.

[Riberaclass]

Re: Riberaclass UE Diary

Sainsbury's Credit Card

Balance 1000 approx Last paid July
Taken out 4/06 In arrears. Still with Sains.

Oct Sent CCA request
Oct Recieved from Sains 'reconstituted' agreement'.
Oct Sent 'You have not supplied true copy' as per Nidd instructions.
Nov Letter from 'Retail Bank Collections'. Copy to Nidd.
Nov Received letter from Sains enclosing 'copy of agreement form'. Copy to N.
Nov N says enforceable,
Nov Received default notice,
Dec Letter from 'Albion Collections' - 'Pay up' or call us.
Jan Received more letters from Albion as previously. Will continue to ignore.
Feb Received letter from Albion. 'This situation cannot continue'. Our client will start legal action or send DC to your house.
Feb Sent letter to Albion re harassment as per N.
March Received long & rambling letter from Sains. 'We have complied with request for CCA agreement & it is enforceable' etc etc.
Apr Received letter from BOS - we have tried to contact you & we may take further action.
Apr Ignore per N.
May More threats from BOS.
May Received letter from Blair OS -'notice of intended court action'.
June Received letter from Sains -'we enclose a copy of your reconstituted agreement'.
June Received letter from 'Robinson Way Ltd' - Formal demand for payment.
June - Received 'copy of CCA' - details to Nidd.
June Received letter from Robinson Way - 'We are authorised to negotiate with you'.
June - More threats from 'Robinson Way'.
July = Sent letter as per N.
July Received letter from Sains. Copy to N.

[Riberaclass]

Re: Riberaclass UE Diary

MBNA CREDIT CARD 2 (Previously A&L)

Taken out 10/06. Bal 5200. Last paid Aug. No further payments
In arrears. Still with MBNA

October Sent CCA request.
Oct Recieved - 'you are in arrears'.
Oct Received - From MBNA -'we enclose a copy of your executed agreement
+Y&C + copy of recent statement.
Nov Copy of agreedment to Nidd.
Nov Received - Default notice.
Dec Received - letter from 'Optima' - threat of 'our client may commence legal proceedings'. Copy to N.
Jan Sent letter to Optima as per N's advise.
Jan Letter from MBNA 'termination of your agreement'. Will ignore for time being.
Feb Received letter from MBNA 'we are deaulting your account' & 'we may sell your debt etc etc'.

[Riberaclass]

Re: Riberaclass UE Diary

LLOYDS CREDIT CARD 2

Taken out 05/07 Balance 6300 Last paid 8/10
No longer paying. In arrears. Still with Lloyds.

Oct Sent CCA request
Oct Recived - You are in arrears.
Oct Received - Letter 'we enclose copy of reconstituted version of your agreement'
plus 16 pages of T&V.
Nov Sent letter & copy agreement to Nidd.
Dec Letter from 'Power2contact' saying they have been engaged by Lloyds to re-establish contact.
If they are not contacted within 3 days will visit.
Dec Deafault notice from Lloyds.
Jan Sent letter to Power2 as per N's advice.
Jan Received letter from SCM sols. Copy to N.
Jan Sent 'threat by lender' letter as per N.
Feb Received letter from Lloyds 'we do not agree with your complaint' - copy to N. Says ignore for TB.
March Received letter from MHA collections. 'We have been instructed to recover arrears etc etc'
May Letter from Moorcroft with threats.
May Sent 'A/c in dispute' letter as per N.
May Received letter from Moorcroft - 'Month Instalment Offer'.
June Recieved letter from 'Midas Credit Services' 'Litigation warning'.
June Sent 'a/c in dispute letter' to Midas as per N.
June Received letter from Moorcroft ' we may call'.
June Sent 'Do not call' letter.
June Recieved 2 letters from Moorcroft. 1. Your a/c is on hold whilst we investigate the matter further' & 2. Your a/c is on hold pending a response from our client.??
July Letter from Moorcroft 'Lloyds TSB have advised that they have not received a CCA application or the £1 fee'???
July Received letter from Moorcroft - Litigation threat.
July Letter to moorcroft as per N.
Aug Letter from morrcroft. 'Monthly installment offer'.
Aug Letter from Moorcroft. 'please send £1 for your CCA'.
Aug Received letter from 'Midas' with 'litigation warning'.
March 12 Letter from 'Fairfax Sols' - We have been instructed by Lloyds to obtain immediate repayment etc. We have authority
to commence legal proceeding etc etc.

[Riberaclass]

Re: Riberaclass UE Diary

MINT CREDIT CARD

Taken Out 09/05 Last paid Aug. No further payments.
Balance 4500. In Arrears. Still with Mint.

Oct - Sent CCA request
Oct Received 'you are in arrears letter'.
Oct Received - Copies of agreement & application.
Nov Sent - copies of all doc to Nidd.
Nov Received default letter from Mint.
Nov Recieved - If you do not contact us we will transfer your a/c to DCA.
Dec Letter from Power2contact. If I do not contact them within 3 days they will visit my home. (In 3 foot of snow??)
Jan Sent letters to Power2 as per N's advice.
Jan Received letter from Mint 'Account Termination'. Will ignore.
March Received letter from 'regal credit' demanding immediate settlement of this a/c.
March Sent 'a/c in dispute letter to Regal' as per N.
April Received letter from Regal ' we may call etc etc' Have completely ignored previous letter.
April Sent letter as per N. 'Debt is considered unenforceable' etc.
May Another threatening letter from Regal. Ignore as per N.
June Letter from 'ScotCall' 'Doorstop Collection notice'

[Riberaclass]

Re: Riberaclass UE Diary

M+S CREDIT CARD

Taken Out 08/06 Balance 4300 In Arrears
Last paid August . No further payments.
Still with M+S.

Oct Sent CCA letter.
Oct Received - From M+S copy of agreement.
Oct Sent copies to Nidd.
Oct Nidd says - To Pay.
Nov Recieved - Default notice
Nov Received - Letter from DCA - copy to N.
Dec Received letter from PLR - threatening default. N says ignore for TB.
Jan Received letter from 'Resolvecall' . General threats - ignore?
April Received 'Final Demand' From M&S - will ignore.
May Recieved letter from 'Wescot' 'We have been instructed to collect the o/s balance.' Will ignore.
May Received from Wescot 'Final notice' 'Unless you contact us within 10 days we may 1) Door stop collection.2)legal action.
June Received letter from 'Nelson Guest Sols' We are acting for Wescot & unless payment option are agreed further recovery action will be taken.
June Sent letter as per N - 'A/c in dispute' etc.
July Received odd letter from Wescot.
Aug Received letter from 'IQOR' - we will call. Will send 'no you are not' letter.
March 12 Received letter from 'Resolution Legal Services' threatening ccj.

[Never-In-Doubt]

Re: Riberaclass UE Diary

BARCLAYCARD 1
5/11 Received letter from BC - Enclosed are copy T&C. To Nidd.
5/11 Another letter from BC -(from different branch!) Enclosed are copy T&C.
To Nidd.

This is unenforceable, they have sent you current terms - not original terms from the date of account inception nor have they sent an agreement.

Respond with this: ---> viewtopic.php?p=1623#p1623

:UE

[Never-In-Doubt]

Re: Riberaclass UE Diary

LLOYDS CC 1

Balance 9800 approx Taken out 1997
Last paid Aug. In arrears. Still with Lloyds.

Oct Sent CCA request.
Nov. Recieved Income & Expenditure form - 'please complete & return (& sign)'
5/11 Copy letter to Nidd.

Still no CCA? Sit tight and do nothing, await the CCA then update again. y

[Never-In-Doubt]

Re: Riberaclass UE Diary

Sainsbury's Credit Card

Nov Letter from 'Retail Bank Collections'. Copy to Nidd.

They have sent a card saying they will visit on 9th November - just ignore them if they call. They have no rights. They cannot do anything.

However, if we had more time i'd be saying to respond with our do not call at my home arsehole template - so because we know they won't get the letter in time, instead print one of these and hand it through letterbox to the caller - if they do indeed call. or ignore them, choice is yours....

If you want to hand them one of these - print one: ---> viewtopic.php?p=24011#p24011

[Never-In-Doubt]

Re: Riberaclass UE Diary

MBNA CREDIT CARD 2 (Previously A&L)

Taken out 10/06. Bal 5200. Last paid Aug. No further payments
In arrears. Still with MBNA

October Sent CCA request.
Oct Recieved - 'you are in arrears'.
Oct Received - From MBNA -'we enclose a copy of your executed agreement
+Y&C + copy of recent statement.
Nov Copy of agreedment to Nidd.

This is enforceable, unfortunately. After all you did sign in 2006! Its just too recent - so first and foremost, being you did have PPI - reclaim it to reduce the balance then agree a repayment plan with them. For the moment you would ignore this until we know all the enforceable ones, at which point you negotiate payments to all those equally.... so sit tight for now. Usually we blag enforceable accounts - however lets wait and see how many others are enforceable before doing anything.

To reclaim you'd use this here: ---> viewtopic.php?f=42&t=53

BUT DO NOT DO IT YET!