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 unenforceab

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
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.


March 12th 2014: Received letter from Clarity stating they have reviewed documents
provided to me and they confirm that they do include the
prescribed terms.


May12th; Received letter from SRJ with "Confirmed Resident" at the top. Stating
That their client Jefferson Capital International have been trying to contact me and found it necessary to make tracing enquiries it has been confirmed you are in fact resident at the above address ,we have concluded that you are choosing to ignore repeated requests for payments. In the circumstances we are instructed that court proceedings may be issued ,


May16th : Sent swid letter.



May20th : Account being placed on hold .

August16th : Received letter from SRJ thanking me for my recent communication !! We
confirm the balance outstanding is as above ,contact us

August 25th: Sent" sold in dispute" letter to SRJ


August 30th: Received letter from SRJ they are no longer dealing with this account

November 18th : Received letter from Legal Recoveries & Collections asking me to get in touch with them

November 21st : Sent " sold in dispute " letter to them

November 29th : Received letter from L.R.C. stating that they have been in touch with Monument and they have been instructed to offer me a
45% discount .I have until the 10th of December to take advantage of this offer . If I don't take action to resolve this matter I may be
at risk of court proceedings being started against me in conjunction with their partner solicitors Sharp Young and Pearce which may
incur costs etc. they go on to state if I fail to respond or pay the money a decree could be awarded against me they also state" a
decree of the Scottish courts is valid and enforceable for a period of twenty years".


November 21st : Sent "Threat Received -Litigation Forthcoming " letter to L.R.C.

December 27th : Received response from L.R.C. they state we have been in touch with our client who have provided us with the following copy documents :

1. Copy of credit card agreement
2. Signed reply card
3 Final charge off statement
4 Copy of terms and conditions .
Please contact this office by Friday 9th January 2015, should you wish to discuss this matter further .

Hiya and help please !!!

Received the above letter from L.R.C. dated December 27th, should I
Ignore for the time being or
send a " Missing Prescribed Terms" letter???

thanking you in advance
sosad xx

[MrsD]

Re: Starting out

did they send another set of documents Sosad, if not I'd send off another MPT with please read carefully at the top.

If they were really confident they might well have gone for the court before now, they are pussyfooting about a lot

[Sosad]

Re: Starting out

Hiya MrsD and Merry Christmas



Yes they sent papers alongside the letter they were;

Copy of credit card agreement
Signed reply card
Final charge off statement
Copy of terms and conditions
Thank you for taking time to respond to my post.

sosad x

[Sosad]

Re: Starting out

hiya

[MrsD]

Re: Starting out

you got a trembly finger Sosad,?

don't worry I'll take out those two additional posts

ok only one set of t&cs?

you should have two, one at inception and one uptodate for the account?

and Merry Christmas to you and yours too

[Sosad]

Re: Starting out

Yes only one set of t&c s ,I think the one they have sent me must be the up to date one, as this account was opened in 2001. Should I send MPT letter ??

Sorry about the multiple posts I'm rubbish with computers I couldn't even delete the posts!!!!!!

thank you
soadxx

[SXGuy]

Re: Starting out

If you haven't already done so, the first thing to do is send all documents un editied, scan them and sent it by email to Niddy, at webmaster@all-about-debt.co.uk let him check them over first, before sending anything back to them.

[MrsD]

Re: Starting out

Yes only one set of t&c s ,I think the one they have sent me must be the up to date one, as this account was opened in 2001. Should I send MPT letter ??

Sorry about the multiple posts I'm rubbish with computers I couldn't even delete the posts!!!!!!

thank you
soadxx

ok is it the same stuff you previously received?
could you check really carefully please?

could you check the t&cs first, is it the same?

[Sosad]

Re: Starting out

Hi MrsD

I've checked through the paperwork and they appear to be identical .Is this when I start to make them an offer of repayment ??

thank you
Sosad xx

[SXGuy]

Re: Starting out

So you received exactly the same stuff. Which Niddy deemed unenforceable, therefore send the missing PT's letter

[nightwatch]

Re: Starting out

I would say, If it is the same stuff you have had before then send the MPT again as Mrs D suggested ,

all the best for a better New Year NW xx

[MrsD]

Re: Starting out

Hi MrsD

I've checked through the paperwork and they appear to be identical .Is this when I start to make them an offer of repayment ??

thank you
Sosad xx

not there yet Sosad

I would pop off the missing PTs and see what happens, we're dribbling on towards SB all the time here and they don't appear to be too confident in their paperwork so far, so putting another wee doubt in their minds is worth doing.

[Sosad]

Re: Starting out

hi and thanks to all of you for your input

SXGuy, Niddy deemed this account unenforceable at the start of my journey ,he later deemed it enforceable .not a problem just not so brave as I would have been had it been unenforceable { psychological } !!!!


I will send the MPTerms letter as you all think this is the way to go.


MrsD I keep panicking and think the answer to it all is to give in to these creditors .

I cant thank you all enough for the help and support you have given me ,much appreciated.

Sosad xx

[MrsD]

Re: Starting out

just be assured we won't abandon you

they had a good chance to take you to court with this, and they didn't so that says they are not too confident in their paperwork

and they seem to be missing a T&Cs which is often where these numpties fall down

get the letter off and stick with it, any hint of court we'll deal, but I would blag a wee bit longer

and don't worry

[Sosad]

Re: Starting out

Thanks MrsD your post was reassuring and kind.

I'll post letter off as soon as , and as you say they cant be totally confident in their paperwork ..

Sosad xx