Starting out

[Sosad]

Re: Starting out

Bank of Scotland credit card) now dealing with Blair Oliver and Scott.
taken out 2002/4ish
Balance £3148

date last paid full payment 2009.

April 23rd cancelled dmp payment and requested cca.

May 8th received CCA from Blair Oliver& Scott will email to Niddy.

May 11th received letter from b.o &s requiring immediate payment

May 15th Niddy has deemed this CCA Unenforceable

May 16th received CCA from HBoS

May 17th emailed it to Niddy

May 25th Niddy has deemed this one enforceable ,never mind can't win them all


May 29th Received letter saying p


May29th Sent missing prescribed terms letter
June13th Received letter from Blair ,Oliver &scott stating to contact them within five days ,threats are door to door collectors and. Court action to seek a judgement against me

June 29th Received notice of intended court action from BOS stating papers are now being prepared for commencement of action through my local court to seek a judgement against me

July 3rd Sent threat to commence litigation letter

July 11th. Received letter from Bank of Scotland they are stating they have fully complied with my CCA request and go on to break down the reasons they believe so ,also reminding me to make payments etc.

July 20th Received letter from bank of Scotland stating my account has been passed on to Apex Credit Management ,in same

envelope Apex letter asking me to contact them to make arrangements to pay as soon as possible

August 6th Sent Apex "telephone harassment " letter and "account in dispute", saved a few pennies

August 9th Received from apex saying they will investigate my complaint

October 23rd. Received letter from Wescot stating they have been instructed to collect balance to avoid further action I must pay full amount or telephone them

October 24th. Sent account sold while in depute letter

December4th Sent missing prescribed terms letter


December 8th Received letter from Nelson Guest &Partners as a final attempt to avoid further action they are prepared to offer a discount

Ignored.

May 11th. Received letter from wescot stating they have been advised by Bank of Scotland that all relevant documentation has been provided to me they believe the dispute is resolved and I should pay in full or make arrangements to pay monthly.

[COLOR="black"]May 17th. Sent Final Response - UE letter to Wescot[/


May 31st. Received letter from wescot stating " we acknowledge the query raised and would like to confirm how this will be investigated etc .


June 19th. Received letter from bank of Scotland stating that they have transferred this account to a debt collection agency Robinson way


June 20th. Received letter from Robinson Way stating they will be in touch to discuss repayment options

July 3rd Sent "sold in dispute" letter to Robinson Way

July 8th. Received letter from Robinson Way stating if they don't hear from me within 10 days they will put this account into the hands of their solicitors

YJuly 10th. Sent one liner letter to Robinson Way telling them to refer to my letter dated 3rd July

July 27th; Received letter from Robinson Way stating their client sent a final response dated 11/07/2012 therefore without further dispute they require a proposal of payment.

July 30th.: Sent Final Response (CCA received ) letter

August 8th: Received letter from Robinson Way stating they are satisfied that the
documentation provided was sufficient to prove liability.


August 8th: Ignore and see what they send next!


September 11th : Received letter from drysdenfairfax acting on behalf of Robinson Way asking me
to make arrangements to pay tis account ,

---

September 16th: Sent " sold in dispute" letter to drydensfairfax

September 20th: Received letter from drydensfairfax stating " we are instructed that despite previous correspondence this matter remains outstanding ,we urge you to deal with this debt immediately contact Robinson Way to resolve this matter

September 18th Received letter from Drysdenfairfax we urge you to deal with this outstanding debt immediately

September 27th : ss. Sent one liner letter to drydensfairfax


October 24th: Received letter from Robinson Way stating " we refer to the above account which will no longer be managed by this office ,all future payments and correspondence should be sent to our client

Hiya ,
I received a letter from from Bank of Scotland stating they have assigned this account to Cabot Financial ,in same envelope there is a letter from Marlin Financial stationing they have been appointed by Cabot to deal with this account ,they have asked me to contact them to discuss payment plan .
I know I should know the next step by now BUT!!!! I'm a coward and don't like doing anything until I have all you peeps approval my question is " Do I send them swid letter to them?""

Thank you
Sosad xx

[Sosad]

Re: Starting out

Monument (credit card)

Start date 2001

balance £2466.

Last full payment 2009

April 12th ,cancelled dmp requested cca.
April 30th, received cca
May 9th e- mailed Niddy with my cca
Please let me know if you received this as I'm not sure if I have done this properly thank

May 12th . Niddy has deemed this CCA unenforceable

June 12th Posted telephone harassment letter
August 9th Received letter saying they have looked at my complaint and judged try have not breached any acts ,also asking for a financial breakdown if I wish to stay on the repayment plan

January11th:: Received letter from C.A.R.S acting on instruction from monument they are commencing formal debt collection please pay balance if I ignore payment request they
may take further action which includes potential litigation.

January 14th: Sent "sold in dispute" letter .

January 23rd ; Received letter from CARS stating they require £1.00 before they can process my request for cca agreement

August 16th 2013.: Received letter from Clarity stating they have been instructed to
collect payments for Monument

August 27th: Sent "sold in dispute" letter


August 29th: Received letter from Clarity stating " we need to work out an agreement


I have to contact them if I don't they will have to consider their options one being a doorstop call from Feildcall. Going to ignore

this for now as I think our letters have crossed in the post.
think our letters have crossed in the post.


September 27th: Received letter from Clarity advising me that they have contacted
their client for the information I requested, they will be
In touch when they receive said information
January :11th. Received letter from Clarity containing a CCA and T&cs. They are
now requesting my proposal of payment .E mailed CCA to Niddy
reqesting my proposal of payment. Emailed CCA to Niddy.


February :14th. Niddy has deemed this account enforceable ,never mind you can't win
them all !!! Will send MPT letter suggested by Deepie.

February 19th: Sent MPT letter to Clarity.

Hi haven't been on for a wee while ,received a letter from SRJ debt recoveries ,they're stating their client is Jefferson Capital International I've never heard of them the letter states that their client has bee trying to contact me on numerous occasions to arrange payment ,now the account has been passed to them.

This company states as I have failed to respond to their correspondence we have found it necessary to make tracing enquiries I have never heard of either of these companies .

The final paragraph reads" it has been confirmed that you are in fact resident at above address and therefore we have concluded that you are choosing to ignore the repeated requests for payments . In the circumstances we are instructed that court proceedings may be issued without further notice ".

Should I send them a "sold in dispute " letter, or is there another letter I could use?

Thank you
Sosad xx

[Sosad]

Re: Starting out

Thanks Niddy I'll ignore and keep you posted

Sosad xx

[Sosad]

Re: Starting out

I have just noticed that in the letter from Clarity they are stating that their client is Compucredit . I have never received any notice of assignment from monument so could I send a swid letter to Clarity ??
Just a thought .
Thank you
Sosad xx

[Never-In-Doubt]

Re: Starting out

21st March. Received letter from Clarity "" further to your letter of 19th February the contents I have noted.
I have reviewed the documents provided to you under the CCA Act and have found that they do include the prescribed terms .
Our client has provided a true copy of the original which is sufficient to comply with the Consumer Credit Act.

I would now like you to contact our collection department etc.""


What does anyone suggest now ???? I'm beginning to tire ,I never seem to get any nice wee letters lol!!

Thank you
Sosad xx

Ignore this for now as well... .. Keep us updated with any new letters though.

[Never-In-Doubt]

Re: Starting out

Thanks Deepie

I'll just ignore and send them the harassment letter as suggested ,I was going to write them a SWID letter but wasn't sure/ brave enough to do it without someone else's input

Thank you
Sosad xx

For now do as Deepie says, keep us updated

[Sosad]

Re: Starting out

Monument (credit card)

Start date 2001

balance £2466.

Last full payment 2009







April 12th ,cancelled dmp requested cca.
April 30th, received cca
May 9th e- mailed Niddy with my cca
Please let me know if you received this as I'm not sure if I have done this properly thank


May 12th . Niddy has deemed this CCA unenforceable


June 12th Posted telephone harassment letter
August 9th Received letter saying they have looked at my complaint and judged try have not breached any acts ,also asking for a financial breakdown if I wish to stay on the repayment plan

January11th:: Received letter from C.A.R.S acting on instruction from monument they are commencing formal debt collection please pay balance if I ignore payment request they
may take further action which includes potential litigation.

January 14th: Sent "sold in dispute" letter .

January 23rd ; Received letter from CARS stating they require £1.00 before they can process my request for cca agreement

August 16th 2013.: Received letter from Clarity stating they have been instructed to
collect payments for Monument

August 27th: Sent "sold in dispute" letter

August 29th: Received letter from Clarity stating " we need to work out an agreement
I have to contact them if I don't they will have to consider the
Options one being a doorstop call from Feildcall. Going to ignore
this for now as I think our letters have crossed in the post
think our letters have crossed in the post.


September 27th: Received letter from Clarity advising me that they have contacted
their client for the information I requested, they will be
In touch when they receive said information

January :11th. Received letter from Clarity containing a CCA and T&cs. They are
now requesting my proposal of payment .E mailed CCA to Niddy

February :14th. Niddy has deemed this account enforceable ,never mind you can't win
them all !!! Will send MPT letter suggested by Deepie.


February 19th: Sent MPT letter to Clarity.

21st March. Received letter from Clarity "" further to your letter of 19th February the contents I have noted.
I have reviewed the documents provided to you under the CCA Act and have found that they do include the prescribed terms .
Our client has provided a true copy of the original which is sufficient to comply with the Consumer Credit Act.

I would now like you to contact our collection department etc.""


What does anyone suggest now ???? I'm beginning to tire ,I never seem to get any nice wee letters lol!!

Thank you
Sosad xx

[Sosad]

Re: Starting out

Thanks Deepie

I'll just ignore and send them the harassment letter as suggested ,I was going to write them a SWID letter but wasn't sure/ brave enough to do it without someone else's input

Thank you
Sosad xx

[Deepie]

Re: Starting out

Hi Deepie,

No I haven't tried the harassment letters ,but I will.

I was really looking for some sort of letter to respond to the letter I received on the 27th Feb.from MKDP who are dealing with this account on behalf of Barclaycard.

Thanks for your reply Deepie
Sosad xx

I'd just ignore that for now if it were me.....just send the harassment letter for now....

[Sosad]

Re: Starting out

Hi Deepie,

No I haven't tried the harassment letters ,but I will.

I was really looking for some sort of letter to respond to the letter I received on the 27th Feb.from MKDP who are dealing with this account on behalf of Barclaycard.

Thanks for your reply Deepie
Sosad xx

[Deepie]

Re: Starting out

I received a letter from MKDP on the 27th ,See post 550 .I didn't respond as I think I've tried every letter there is ! They are now phoning me several times a day .how should I respond to them ??

Any suggestions would be appreciated

Thank you
Sosad xx

• Have you sent this ? ----> Harassment by Telephone

[Sosad]

Re: Starting out

I received a letter from MKDP on the 27th ,See post 550 .I didn't respond as I think I've tried every letter there is ! They are now phoning me several times a day .how should I respond to them ??

Any suggestions would be appreciated

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 Emailed 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 letteconstitutes 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.

This letter is the resonse to the letter I sent them on the 14th February ,now what would be my next best step, should I offer to repay them monthly? Any suggestions would be gratefully received
Sosad xxx

[Sosad]

Re: Starting out

Hiya Deepie,

I'll post this letter off ,thanks for your input really appreciate it.

Sosad xx

[Deepie]

Re: Starting out

February : 14th. Received email from Niddy informing me that this account is Enforceable ,he says to blag it for a wee
while . Anyone direct me to an appropriate response ,???


Thank you
Sosad xx

Here----> CCA Query - Missing Prescribed Terms