Starting out

[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

[Sosad]

Re: Starting out

Hiya Deepie

I will post this letter off tomorrow ,much appreciated.

Thank you
Sosad xx

[Enforcer]

Re: Starting out

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

[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

[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

[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

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

[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

[Sosad]

Re: Starting out

Hiya Deepie,

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

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

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

[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

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

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

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