Starting out

[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 Fieldcall . I'm going to ignore this for now as I
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 once
they receive said information

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

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

[Sosad]

Re: Starting out

Thanks Niddy

I know you're a busy man ,I've sent CCA again I think I posted it twice!!!! (You'll be used to my emails by now)

Sosad xx

[Sosad]

Re: Starting out

Thanks for your reply Enforcer, Niddy did say it was UE but I worry and feel I should reply to them.

Sosadxx

[Never-In-Doubt]

Re: Starting out

Hi Niddy,

I was wondering if you had time to go over this CCA as I'm beginning to worry now .

Thank you
Sosad xx

Hiya

really sorry I missed this. I've cleared all January emails so please resend to:

webmaster@all-about-debt.co.uk

ill then look tomorrow

[Enforcer]

Re: Starting out

I would ignore for now. If Niddy has said this is UE they are just trying it on.

[Sosad]

Re: Starting out

Hiya Deepie

I will post this letter off tomorrow ,much appreciated.

Thank you
Sosad xx

[Sosad]

Re: Starting out

Hiya Niddy did you get a chance to look over the CCA I e mailed to you
Thank you
Sosad xx

[Deepie]

Re: Starting out

I'd send this if it were me---> Final Response - UE (General)

[Sosad]

Re: Starting out

January 6th: Received letter from MKDP rather long winded basically stating they have carried out all steps now pay up
see page 538

[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


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 from
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 monies deducted
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 threat
Emailed letter to Niddy ,he advised to send them CCA.

December 20th: Received letter from MKDP, the letter was dated 12/12/2013!!! They
"they are unable to resolve my query ,once we have completed our
review ,we will be in contact with you regading 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 we receive a response from them ".

Hiya

Received letter today from MKDP,rather long winded it states Please accept this letter as a Final Response to your concerns.

Your request for copy of credit agreement was made under section 78 of the Credit Consumer Act 1974. Please find below an extract from paragraph 2 17 of Guidance issued by Office of Fair Trading on section 77/78/79 of the Credit ConsumerAct1974:
" The copy of the executed must be a " true copy" of the original .However as confirmed in the recent case of Careyv HSBC Bank plc, the term " true copy" does not mean a carbon photocopy microfiche copy or other exact copy of the signed credit agreement".


Furthermore paragraph 2.18 of the said Guidance confirms that the pursuant to The Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 any signature box,signature and date of signature may be omitted from the copy of the executed agreement.

This therefore means that where a request is made under section 78 of the Consumer Credit Act 1974 an exact copy of a Credit Agreement showing your signature does not need to sent to you and a "reconstituted " copy ( as you have received from Barclaycard) is sufficient .


Finally, where the terms of the original credit agreement have been varied by the creditor ,a copy of the latest terms applicable to your account have also been supplied to you by Barclaycard.

Accordingly ,the creditor's duty under section 78 has been satisfied and you remain liable for the above balance in full . Statements of the account have previously been provided to you to verify the outstanding balance .


We request you contact us to discuss repayment penning hours etc etc


Should you remain unhappy you do have the right to refer your concern to the Financial Ombudsman Service. This must be done within six months etc.



Any help would be much appreciated
Thank you
Sosad xx

[Sosad]

Re: Starting out

Thank you Pixie xx

[Pixie]

Re: Starting out

I'll give him another little nudge

[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

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 Fieldcall . I'm going to ignore this for now as I
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 once
they receive said information

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

Hi Niddy,

I was wondering if you had time to go over this CCA as I'm beginning to worry now .

Thank you
Sosad xx

[Sosad]

Re: Starting out

Hiya Niddy

Just wondering if you managed to find time to go over the CCA I sent to you, regarding the Monument account? I know your really busy and I hate pestering you ,perhaps I could send MPT letter to Clarity just to let them know I'm not ignoring them.

Thank you
Sosad x

[Sosad]

Re: Starting out

Thank you

Sosadxx