Starting out

[jon1965]

Re: Starting out

No worries, I can confuse myself and often do. Mint have done it to me so I sent them the get stuffed, play ball or go whistle type of letter

[Deepie]

Re: Starting out

Capital One.
Credit card.
Taken out 2002ish
Last paid full amount 2009.
Dmp 2009.
Balance £4259.
Request for cca 12th April
13th April,!!capital one sent letter stating they need signature
Letter waiting to be posted tomorrow 23rd April


If you can show us like above^^^ and update each time with what you have sent and received

ps learn to slow down you have 6 years

pps Thanks jon

[ScabHunter]

Re: Starting out

ps learn to slow down you have 6 years

pps Thanks jon

Only 5 in Scotland.

Sosad, can you just tell us, have you been living in Scotland for the entire time these accounts have been running?

SH

[Sosad]

Re: Starting out

Hi I In 2 Deep and Scabhunter
Thanks for your help and patience ,yes I have been in Scotland the entire time of the accounts.

I 2Deep, yes I do need to slow down and chill a bitty( Im a worrier) now this may sound a dumb question bear with me as I'm not computer savvy and getting on ,a bit!!!

Do I need to start a new thread with each account to separate them ( don't laugh) ,and just use the edit button each time I want to update ?
Thank you xx

[Deepie]

Re: Starting out

Hi I In 2 Deep and Scabhunter
Thanks for your help and patience ,yes I have been in Scotland the entire time of the accounts.

I 2Deep, yes I do need to slow down and chill a bitty( Im a worrier) now this may sound a dumb question bear with me as I'm not computer savvy and getting on ,a bit!!!

Do I need to start a new thread with each account to separate them ( don't laugh) ,and just use the edit button each time I want to update ?
Thank you xx

Thread is what you got here .....you need to do a new post for each account will make life a lot easier. Then like you say just edit each post with your new update.

[Sosad]

Re: Starting out

Thank you I 2 Deep as I said I'm not computer savvy I will tidy up my " thread" and do a post for each account thanks again for your patience really appreciated
X

[ScabHunter]

Re: Starting out

Thank you I 2 Deep as I said I'm not computer savvy I will tidy up my " thread" and do a post for each account thanks again for your patience really appreciated
X

Sosad,

Have a look at some of the other threads and model yours on theirs.

Here is one which Niddy praised as being a perfect example, so it would be an ideal one to use as a model -

Pixie's UE diary - allaboutFORUMS

Hope this helps,

SH

[nightwatch]

Re: Starting out

Hi sosad and welcome xx

Hubby and I both have Cap one cards, they didn't ask us for a signiture before sending our CCA to us,(well some random T&C)

Niddy says both
so this may bode well for you

good luck
NW 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 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, 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, 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.



12th October 2015 Received Notice of Assignment letter from Hoist Portfolio Holding 2 ltd. they say MKDP have
assigned this account to them and they now ,are looking for payment. This company say that
Robinson Way will manage the account

October 12th ; Received letter from R.W. giving me different options to pay.

October 15th Received letter from R.W. stating "no minimum payment required" Average payment £17. 04 perr month.

October 15th ; Ignored

May 21st ,2016 : Received letter from Robinson Way asking me to set up a payment scheme with them

May 26th : Sent " sold in dispute" letter Hope this is ok !!!

8th February 2017
Received letter from Robinson Way asking me to make arrangement to pay the balance.

[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


January 7th2015 Sent missing prescribed terms letter to L. R. C.


May 22nd . Received letter from L.R.C. stating " further to our previous correspondence pleas find enclosed copy
of statement of account as supplied by our client "Please contact our office to make arrangement to pay .They have supplied me with pages of dates and payments

[Sosad]

Re: Starting out

Capital One (credit card) now dealing with Capquest.

Start date 2000/02ish

Balance £3907.
Last full payment 2009.

12 April. Cancelled DMP requested CCA from capital one

April 13th reply from capqest requiring signature.


23rd April. Sent " no signature required " letter to capital one


April 28th, Capquest returned my P.O. and advised me that they have

Returned account to Capital One and all corrospondece should be addressed to Capital One.


April 28th ,2nd letter, Capquest has sent my request to Capital One
also states "please note that a notice of assignment is not applicable as account has not been sold to us"

Do I now need to send p.o. to Capital One and request cca from them?

[COLOR="Red"]9th May. Sent capital one P.O. and letter requesting CCA[/

June 15th Emailed Capital One CCA agreement to Niddy

June19th Niddy deemed this CCA enforceable ,unfortunately willsend off missing pt letter

20th June. Sent missing prescribed terms letter to capital one

July 9th Received letterfrom cap one ( long winded!) emailed to Niddy he states it's usual letter ,I'll ignore see what they send next.

January 10th. Received letter from Capquest stating they have been assigned the account and asking me to contact them with arrangements to pay


14th January. Sent " sold in dispute" letter to capquest

5th March. Received CCA ,statements etc. from capquest

[COLOR="Red"]22nd March. Sent " missing prescribed terms" letter to capquest[/


28th March. Received letter from capquest stating they have provided me with full documentation and account is enforceable


6th April. Received letter from capquest account is now being processed for legal action. Final offer from them is I pay £27.00 and they will credit the account with 33% of £27.00


8th April Sent SAR request to capital one
16th April. Sent " sold in dispute" letter to capquest

18thApril. Received huge load of documents from capital one in reply to my sar request .

[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 drydensfairfa

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

[Sosad]

Re: Starting out

Citicard(credit card) now dealing with Cabot.
Taken out 2002/4


Balance £927


Date of last full payment 2009.

April 23rd, cancelled dmp payments and requested cca

May 9th received letter from Cabot stating it may take 40 days to provide me with CCA ,please make payments in the meantime
June15th received letter from Cabot stating they cannot find my CCA ,they say this does not mean I should not pay outstanding debt!!!

[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

September 11th: received letter from drysdenfairfax stating " we have been instructed by
our client Robinson Way to write to you in respect of the above
outstanding debt. We urge you to take steps within the 14 days of the
date of this letter to resolve this matter .

September 27th: Sent one liner to Drysdenfairfax.

[Sosad]

Re: Starting out

Empirestores (catalogue) now dealing with N.D.R
Taken out 1999ish

Balance £344

Date last full payment 2009.
April 12th cancelled dmp payments and requested cca.
May 4th received letter requesting me to contact them
Should I send them another letter regarding my cca request ?
July 2nd received default notice from NDR also stating they require payment of outstanding balance, no later than 9/7/12.
October 10th. Received letter from Capquest stating empire have sold my account to them , they're looking for payments and "if I fail to
comply they will not hesitate to utilise the legal system to it's full extent ""quite threatening .Should I reply with account in dispute letter? Thanks in advance for any suggestions

October 11th, Posted account in dispute letter

October 11th received letter from empire stores a " letter of assignment"
October 31st Received letter from capquest looking for payments
November 15th Received letter from capquest looking for payments
December 1st Received letter from capqest stating my account is being processed for legal action

December4th Sent Threat-o-gram before action letter

December 21st ; Received letter from Capquest they have closed the account no further action will be taken