Starting out

[Undercover Elsa]

Re: Starting out

Keep your chin up Sosad, you're doing fine
I have an £8K debt which has reached Statute Barred on the basis of 1 set of missing T&C's.
Sometimes I think they put you in a big cupboard marked "Too much hassle" and forget about you!

Elsa x

[MrsD]

Re: Starting out

agree Elsa, it's quite a crowded cupboard, full of AAD members

[Sosad]

Re: Starting out

Thanks Elsa and MrsD for your support.

I don't know what I would have done without the support of this site and it's members .

Have a very Happy New Year and best wishes for the future .

Sosad xx

[nanna58]

Re: Starting out

How are things hun ?

[Sosad]

Re: Starting out

Hiya

Haven't been on for a wee while , hope everyone is well.
RE; Monument .

I posted Missing prescribed terms letter to L.C.R. in January they've now sent me a whole load of papers of transactions relating to this account .Should I send them another Missing prescribed terms letter ?

thank you nanna8 for your concern, its been a miserable start to the year , things are starting to feel a bit more"normal" whatever that Is lol

[nightwatch]

Re: Starting out

I would hold fire for a while, Did the covering letter say anything about continuing to require payment?

[Sosad]

Re: Starting out

Hi Nightwatch

thank you or your response .the letter stated I was to contact their office to discuss payment of outstanding balance.

[nightwatch]

Re: Starting out

Ok so , in this whole load of papers, was there anything that looked like a different set of T&C from the ones you have been sent before?

[Sosad]

Re: Starting out

Hiya Nightwatch,

there was only payments and transactions no t&cs nor contract forms. Sorry I should have said at the start of post xx

[Pixie]

Re: Starting out

Hi Sosad. I think I would be tempted to wait and see what they send next.

[Sosad]

Re: Starting out

Thank you Pixie

, Nightwatch did suggest this at first .I will go with what you both suggested an hang off and see what they send next.


thanks for your help xx

[Sosad]

Re: Starting out

hi haven't been on for such a long time everything has been quiet and I didn't want to tempt fate !!!


Re. Barclaycard Account.

I have received a letter of assignment from Hoist Portfolio who in turn has appointed Robinson Way to manage this account they are asking to arrange payments .


Should I send them a " sold in dispute " letter, or is there an alternative letter I should use ?

Thank you
Sosad xx

[Sosad]

Re: Starting out

Barclaycard (credit card).
now dealing with MOORECROFT.

Start date 2002/4ish

Balance £5103
Last full payment 2009.


APRIL 12TH , cancelled dmp payments and requested CCA

April 16th , received letter from Moorecroft they have requested documentation from Baeclaycard.


August 9th Received letter from barclaycard stating they will no longer accept any communication from me they have passed my account to Allied International Credit

January 29th ; Received letter from Robinson Way asking me to contact them to discuss proposals of Payments to account

[COLOR="Red"]January 29th. Sent "sold in dispute " letter .[/

20th April Received letter from Robinson way stating they are returning account to barclaycard


May 21st: Received letters from barclaycard and mkpd. .Barclaycard notifying me
that they have sold this account to mkpd and MKPD advising me that they are now the
owner of the due debt.

[COLOR="black"]May 22nd Sent "sold in dispute" letter to MKPD.
[/
May 31st. Received letter from MKPD stating they will review the account


July 7th: Received letter from MKDP stating they are still unable to resolve my query
and will contact me as soon as possible .

August 15th : Received another letter from MKPD apologising for delay in trying to
resolve my query .They will be in touch.

September 27th: Received letter from MKPD stating " at this time we are unable to resolve your query ,we are currently liaising with original creditor we will contact you as soon as we receive a response from them"


October15th: Received from MKDP some random statements (4months) ,
Reconstituted copies of terms and conditions, and a letter Barclaycard allegedly posted on the 8th July ( ,I have no record of this


October 21st: Sent " CCA Query - application form received" letter to MKDP.


November 4th: Received letter from MK Rapid Recoveries stating" further to our recent communication regarding ownership of your balance we have not received your offer of payment (this is the first time this company has contacted me!!!!)
They are offering to help me and can only do this after
speaking to me

November 15th: Received letter from MK Rapid Recoveries, stating that they are Referring this account to Keynes Collection ,who may consider litigation
They may take a charge against my home or have moniesdeducted
From salary .


November 20th: Sent CCA request to MK Rapid recoveries


November 28th: Received from MKDP , app form, random statements,and t&cs e-
mailed to Niddy , who suggested I send mpt letter back to them

December 4th: MIssing prescribed terms letter sent.



December 13th : Received letter from Keynes Collection acting for MKDP top of the
letter states Notice of Intended Legal Action ,then goes on
to state this letter constitutes a formal demand ,and lots
Of other threats. Emailed letter to Niddy, This letter constitutes a formal demand and lots of other threats
Emailed letter to Niddy ,he advised to send them CCA.


December 20th: Received letter from MKDP, the letter was dated 12/12/2013!!!
"they are unable to resolve my query ,once we have completed
Our review ,we will be in contact with you regarding the
Resolution to your query.


January 25th 2014. : Received letter from MKPD stating " we are unable to resolve your query at present ,we are currently liaising with original creditor and will
contact you as Soon as we receive a response from them"


February 6th. Received letter from MKDP ,rather long winded (see post 538)


February 14th : Sent Final Response - UE ( general) letter to MKDP

February 27th: Received letter from MKDP stating " we think there may have been some confusion to the issues at hand .We have referred this matter to our Legal Counsel and shall try to set out our position below.


1) we can confirm that we spoken to an employee of Barclaycard who has confirmed that in accordance with the information stored in their systems and in line with their
procedures ,a properly executed agreement was in place in accordance with Section 61(1) of the CCA 1972.


2) there is no requirement to provide you with an original agreement .Our obligation is satisfied by providing you with a reconstituted copy which is legible .As you are aware we have provided you with a copy however for the avoidance of doubt we enclose a repeat copy.



12th October 2015 Received Notice of Assignment letter from Hoist Portfolio Holding 2 ltd. they say MKDP have
assigned this account to them and they now ,are looking for payment. This company say that
Robinson Way will manage the account

this is the account
thank you
Sosad xx

- - - Updated - - -

Barclaycard (credit card).
now dealing with MOORECROFT.

Start date 2002/4ish

Balance £5103
Last full payment 2009.


APRIL 12TH , cancelled dmp payments and requested CCA

April 16th , received letter from Moorecroft they have requested documentation from Baeclaycard.


August 9th Received letter from barclaycard stating they will no longer accept any communication from me they have passed my account to Allied International Credit

January 29th ; Received letter from Robinson Way asking me to contact them to discuss proposals of Payments to account

[COLOR="Red"]January 29th. Sent "sold in dispute " letter .[/

20th April Received letter from Robinson way stating they are returning account to barclaycard


May 21st: Received letters from barclaycard and mkpd. .Barclaycard notifying me
that they have sold this account to mkpd and MKPD advising me that they are now the
owner of the due debt.

[COLOR="black"]May 22nd Sent "sold in dispute" letter to MKPD.
[/
May 31st. Received letter from MKPD stating they will review the account


July 7th: Received letter from MKDP stating they are still unable to resolve my query
and will contact me as soon as possible .

August 15th : Received another letter from MKPD apologising for delay in trying to
resolve my query .They will be in touch.

September 27th: Received letter from MKPD stating " at this time we are unable to resolve your query ,we are currently liaising with original creditor we will contact you as soon as we receive a response from them"


October15th: Received from MKDP some random statements (4months) ,
Reconstituted copies of terms and conditions, and a letter Barclaycard allegedly posted on the 8th July ( ,I have no record of this


October 21st: Sent " CCA Query - application form received" letter to MKDP.


November 4th: Received letter from MK Rapid Recoveries stating" further to our recent communication regarding ownership of your balance we have not received your offer of payment (this is the first time this company has contacted me!!!!)
They are offering to help me and can only do this after
speaking to me

November 15th: Received letter from MK Rapid Recoveries, stating that they are Referring this account to Keynes Collection ,who may consider litigation
They may take a charge against my home or have moniesdeducted
From salary .


November 20th: Sent CCA request to MK Rapid recoveries


November 28th: Received from MKDP , app form, random statements,and t&cs e-
mailed to Niddy , who suggested I send mpt letter back to them

December 4th: MIssing prescribed terms letter sent.



December 13th : Received letter from Keynes Collection acting for MKDP top of the
letter states Notice of Intended Legal Action ,then goes on
to state this letter constitutes a formal demand ,and lots
Of other threats. Emailed letter to Niddy, This letter constitutes a formal demand and lots of other threats
Emailed letter to Niddy ,he advised to send them CCA.


December 20th: Received letter from MKDP, the letter was dated 12/12/2013!!!
"they are unable to resolve my query ,once we have completed
Our review ,we will be in contact with you regarding the
Resolution to your query.


January 25th 2014. : Received letter from MKPD stating " we are unable to resolve your query at present ,we are currently liaising with original creditor and will
contact you as Soon as we receive a response from them"


February 6th. Received letter from MKDP ,rather long winded (see post 538)


February 14th : Sent Final Response - UE ( general) letter to MKDP

February 27th: Received letter from MKDP stating " we think there may have been some confusion to the issues at hand .We have referred this matter to our Legal Counsel and shall try to set out our position below.


1) we can confirm that we spoken to an employee of Barclaycard who has confirmed that in accordance with the information stored in their systems and in line with their
procedures ,a properly executed agreement was in place in accordance with Section 61(1) of the CCA 1972.


2) there is no requirement to provide you with an original agreement .Our obligation is satisfied by providing you with a reconstituted copy which is legible .As you are aware we have provided you with a copy however for the avoidance of doubt we enclose a repeat copy.



12th October 2015 Received Notice of Assignment letter from Hoist Portfolio Holding 2 ltd. they say MKDP have
assigned this account to them and they now ,are looking for payment. This company say that
Robinson Way will manage the account

this is the account
thank you
Sosad xx

[marypoppins]

Re: Starting out

http://forums.all-about-debt.co.uk/s...oist-Portfolio

Take a look here Sosad.

[Sosad]

Re: Starting out

http://forums.all-about-debt.co.uk/s...oist-Portfolio

Take a look here Sosad.

Thank you Mary Poppins for your response ,very helpful , much appreciated .

Sosad xx