Starting out

[Sosad]

Re: Starting out

Barclaycard (credit card).
now dealing with MOORECROFT.

Start date 2002/4ish

[ SIZE=1]Balance £5103[/SIZE]
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 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" .

Hiya ,
Received registered letter from MKDP stating " further to your recent communication please find enclosed documents you have requested ." they are asking me to contact them , the document they have sent is an application form with signature , phone number ,date of birth , that's it just one page no t@ cs nothing .

What should I send them in reply to this letter??
Any suggestions will as always be greatly appreciated

Sosad xx

[vint1954]

Re: Starting out

One liner is best

[nightwatch]

Re: Starting out

you could ignore OR send a one liner referring to your letter of the 16th Sept. NW

[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
N

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 drysdenfairfax

Hiya ,
I received another letter from Drydensfairfax it stated " we are instructed that despite previous correspondence this matter remains outstanding. We urge you to deal with this outstanding debt immediately " . They go on to state that I can make repayment plan with Robinson Way ,I did post a letter to tis company which they either ignored or didn't receive . What would be my next best step ??
Thank you
Sosad x

[MrsD]

Re: Starting out

I would yes, because they are an English solicitor and you are elsewhere.....................................

[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
N
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 drydensfairfax stating" we have been instructed by Robinson Way to write to you
In respect of the outstanding debt . We urge you to take steps within 14 days of the date of this
letter to resolve this matter." etc




Hiya ,should I write to this company with " sold in dispute " letter?

Thank you
Sosad xx

[garlok]

Re: Starting out

Yes G.....But I'm far too polite

l l

regards
G

[Deepie]

Re: Starting out

How should I respond to this letter ??
Thank you
Sosad xx

Would you really like me to tell you...?

If it were me I'd just see what they send next........

I think the infamous response in the Arkell v Pressdram case springs immediately to mind
regards
G

Yes G.....But I'm far too polite

[garlok]

Re: Starting out

I think the infamous response in the Arkell v Pressdram case springs immediately to mind in answer to the Hull heroes Wescot.

regards
G

[Sosad]

Re: Starting out

Thank you both for your responses and I will ignore and see what they send next

Sosad xx

[nightwatch]

Re: Starting out

i'm with Deepie

[Deepie]

Re: Starting out

How should I respond to this letter ??
Thank you
Sosad xx

Would you really like me to tell you...?

If it were me I'd just see what they send next........

[Sosad]

Re: Starting out

Hiya
Posted To Wescot the " previously confirming no CCA" letter off to Wescot regarding the Sainsburys account I have received a letter back from them stating they " have investigated my response and although I remain unhappy ,after a thorough review they are confident and satisfied that all points that have been raised, have been addressed and responded to." The account has been place on hold to allow time for me to provide my proposal of repayment.

How should I respond to this letter ??
Thank you
Sosad xx

[Enforcer]

Re: Starting out

Barclaycard also say that the prescribed terms "would" have been on the reverse, yet in 2 years, they have not supplied them! UE.

[MrsD]

Re: Starting out

this is good news starting out

if they are unable to provide a copy of the reconstituted agreement, I would take that as they have nothing to reconstitute from...................

so in their own very sweet way they are telling you it's UE

just hang on tight to that letter and when they pass it on (and they will) just pop off a copy of that with your http://www.all-about-debt.co.uk/inde...firming-no-cca and you'll confuse all the buggers, been doing that for quite a few years with a couple of these.