Starting out

[Never-In-Doubt]

Re: Starting out

Lol it's fine, I got about 8 emails from you so I need to go through them and see which are duplicated and which I need to look at. Will no doubt do it Saturday

[Sosad]

Re: Starting out

Thanks Niddy

,I was worried it hadn't went through I'm a bit useless with technology.

Thank you
Sosadxx

[Never-In-Doubt]

Re: Starting out

Not yet you only sent yesterday......

Im im working to a 5 day backlog at the moment so please sit tight, I'll come back to you ASAP.

[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 thanks

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

Hiya Niddy,
Was wondering if you received the CCA I sent you for this account ,and if you had a chance to look at it.

Thank you
Sosadxx

[Sosad]

Re: Starting out

Hiya and thank you cymruambyth

I have the letter ready to post ,so will do

Sosadxx

[cymruambyth]

Re: Starting out

If you haven't sent a CCA request still send it.

[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 for repayment of outstanding
balance


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 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 threats
Emailed letter to Niddy ,he advised to send them CCA.


December 20th: Received letter from MKDP today ,in response to my MPT letter
"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.

Hi
I've received a letter from MKDP today stating the above ,I'm now confused( the letter was dated 12/12/13 ) Could this letter be a standard letter (generated by a computer ) . And do I still send CCA request to Keynes Collection??

Any suggestion will be appreciated.

Sosadxx

[Sosad]

Re: Starting out

Hi Enforcer,

Thank you for your words of encouragement ,I will follow the advice given , but I don't know about the "don't panic" part but I will try

Take care
Sosadxxx

[Enforcer]

Re: Starting out

Join the club. MKDP seem to have done a bulk purchase recently, just sit tight and follow the advice given from the site. Don't panic.

[Never-In-Doubt]

Re: Starting out

Read this --> http://forums.all-about-debt.co.uk/s...884#post360884

[Sosad]

Re: Starting out

Thanks for your really quick response Deepie.

Sosadxx

[Deepie]

Re: Starting out

Hi Deepie
The letter is from Keynes Collection Acting for. MKDP at the top of the letter it says " notice of intended legal action" ,goes on to say must pay full amount, also talks about Practice Direction - Pre Action Conduct of the Civil Procedure Rules .You attention is drawn to Paragraph 4 of Annex A. does state that require full payment or suitable payment plan gives me 14 days to respond .They also state that"this letter contains matters of legal significance and I should therefore take independent legal advice.

I have emailed letter to Niddy he directed me to LBA thread and told me to " sit tight" I am beginning to panic ,not that I don't have faith in you guys ,that's my nature

Thank you for responding Deepie
Sosadxx

OK do just that ...I'll give Niddy a little nudge....

[Sosad]

Re: Starting out

Hi Deepie
The letter is from Keynes Collection Acting for. MKDP at the top of the letter it says " notice of intended legal action" ,goes on to say must pay full amount, also talks about Practice Direction - Pre Action Conduct of the Civil Procedure Rules .You attention is drawn to Paragraph 4 of Annex A. does state that require full payment or suitable payment plan gives me 14 days to respond .They also state that"this letter contains matters of legal significance and I should therefore take independent legal advice.

I have emailed letter to Niddy he directed me to LBA thread and told me to " sit tight" I am beginning to panic ,not that I don't have faith in you guys ,that's my nature

Thank you for responding Deepie
Sosadxx




Ps forgot to say there was a couple of "mays"

[Deepie]

Re: Starting out

Hi Niddy


RE:letter threatening court action

What would be my next best step,is there any template letter I could send?? I have been reading the thread you sent me ,but I'm beginning to panic . (nothing new there !!) I like the creditor to feel I'm keeping in touch with them ,as it will look favourable if I have to go to court ,gulp!!!

Amy suggestions would be gratefully appreciated

Sosadxx

What did it say ? May or Will ? Who was it from ? Bit more info please .......

[Sosad]

Re: Starting out

Hi Niddy


RE:letter threatening court action

What would be my next best step,is there any template letter I could send?? I have been reading the thread you sent me ,but I'm beginning to panic . (nothing new there !!) I like the creditor to feel I'm keeping in touch with them ,as it will look favourable if I have to go to court ,gulp!!!

Amy suggestions would be gratefully appreciated

Sosadxx