Fredbares UE Diary

[fredbare]

Re: Fredbares UE Diary

Hi everyone

Sent lba reply to keynes as their deadline is early next week, and have requested breakdown of the alleged balance from mkdp. Will update when I hear from them. Thanks again.

Regards Fredbare

Hi

An update

Received letter from mkdp regarding the breakdown of the alleged balance for my hsbc account, they say I have already been sent statements of account and if I wish to go back further to send a sar to BARCLAYCARD, gave me address and told me to make cheque payable to Barclaycard LOL. They obviously used the wrong template and filled my details in on the top. Dont Ms Taylor check these before signing and sending them out.

Have heard nothing from Keynes regarding my reply to their lba, will update when I do.

Will appreciate suggestions on what to do about mkdp, reply or ignore, offer a full and final, I dont know, their like leeches, cling on and wont let go, their adamant I sort it out with hsbc myself.


Thank you in advance for any suggestions.

Regards Fredbare

Hi everyone

Still no reply from keynes regarding my reply to their lba. Should I send a chasing letter to them, Help please

Thanks tou

Regards Fredbare

[fredbare]

Re: Fredbares UE Diary

Hi everyone

Sent lba reply to keynes as their deadline is early next week, and have requested breakdown of the alleged balance from mkdp. Will update when I hear from them. Thanks again.

Regards Fredbare

Hi

An update

Received letter from mkdp regarding the breakdown of the alleged balance for my hsbc account, they say I have already been sent statements of account and if I wish to go back further to send a sar to BARCLAYCARD, gave me address and told me to make cheque payable to Barclaycard LOL. They obviously used the wrong template and filled my details in on the top. Dont Ms Taylor check these before signing and sending them out.

Have heard nothing from Keynes regarding my reply to their lba, will update when I do.

Will appreciate suggestions on what to do about mkdp, reply or ignore, offer a full and final, I dont know, their like leeches, cling on and wont let go, their adamant I sort it out with hsbc myself.


Thank you in advance for any suggestions.

Regards Fredbare

[fredbare]

Re: Fredbares UE Diary

Hi everyone

Sent lba reply to keynes as their deadline is early next week, and have requested breakdown of the alleged balance from mkdp. Will update when I hear from them. Thanks again.

Regards Fredbare

[fredbare]

Re: Fredbares UE Diary

Hi Niddy

Sorry iv confused you, the latest letter I have received is from keynes collections, headed notice of intended legal action.

Thanks Fredbare

[Never-In-Doubt]

Re: Fredbares UE Diary

Hiya

who is chasing you and what was the last letter received? I'm confused....

[fredbare]

Re: Fredbares UE Diary

Account: Current Account Overdraft
Date Commenced: 1994
Balance: 1400 approx All Charges
Last paid: Late 2009
Status: Closed I assume as they demanded full balance
Account Owner: HSBC
DCA: Metropolitan Collections, DG Solicitors, Central Debt Recovery


November 2009 Reclaimed Bank Charges
December 2009 HSBC replied and put on hold for Bank Charge Case
December 2009 Letter from HSBC advising overdrawn
December 2009 Letter from HSB refusing Bank Charge Claim
May 2010 Letter from Metropolitan, they have been instructed to collect, 7 days to pay up or else, ignored
June 2010 Letter from Metropolitan, you have failed to pay
June 2010 Sent CCA request to Metro
July 2010 Letter from Metro claoming part v exemption and pay up in 14 days, ignored
July 2010 Sent SAR to HSBC, received acknowledgement of SAR
August 2010 Letter from DG pre sue unit 14 days to pay, ignored
September 2010 Picked up SAR, loads of computer print outs that I didnt understand and some copy letters and internal log
September 2010 Letter from DG Urgent I respond or legal action will commence
Septemeber 2010 Sent letter to HSBC non compliance of SAR wanted terms and conditions etc
September 2010 Sent letter to DG Account in dispute due to non compliance of sar and bank charges
September 2010 Letter from DG offering discount and one putting account on hold for 4 weeks
October 2010 Complaint sent to ICO for non compliance of sar, informed HSBCOctober 2010 Letter from HSBC, sorry I was dissatisfied, SAR was sent to me and can escalate my concerns if I want to
November 2010 Letter sent to HSBC, I was not happy, still not received documents I asked for
December 2010 Letter from DG saying Bank had sent final response and enclosing an income and expenditure sheet to fill in for repayment proposal, ignored
January 2011 Letter sent to DG advising still in dispute and asking for original facility letter
January 2011 Another discount offer letter from DG, ignored
February 2011 Letter from CDR, referred for immediate collection, ignored
February 2011 ICO requested more information, sent them copies
March 2011 Letter received from CDR we will be calling you on xx date please call usignored
April 2011 Final Offer of a discount from CDR
April 2011 Letter from CDR Despite previous reminders etc, no option but to take further action and enclosing a standing order mandate to pay monthly?
May 2011 Sent letter to CDR, no doorstep visits, writing only, account in dispute
May 2011 ICO not upheld my complaint, HSBC complied and to ask the bank direct for the facility letter as it wasnt in my original sar and they didnt have to provide it, and HSBC wanted clarification on what a faciility letter is?
May 2011 Letter from Metropolitan in reply to my letter to CDR in May, apologising, no doorstep visits will be made, telephone details removed etc

February 2012 Letter from CDR, payment overdue??? imperative to pay within 24 hours, please telephone us
May 2012 Letter from CDR, another generous offer of a discount, upon receipt cra files will be marked as satisfied. Thought they had sent a final offer letter in april, oh yes they did!

Up to date, I cant believe its been 3 years since they started this nonsense, if they had accepted my offer of monthly installments in the beginning instead of ignoring my requests it would have been paid a long time ago. I think I will completely ignore this now, unless anyone can advise me further.

Thank you for persevering. hope I spelt that right.

Fredbare

Hi Niddy

The above is what happened up to Feb 2012. The account has been passed around various people since Feb 2012 and then sold to mkdp in April 2013. The current account was opened in 1994, I abandoned the account in Nov 2009, the account was closed by the bank in may 2010. The bank refused to help me, I was refused bank charge reclaim Dec 2009, three days later they raised the interest on the overdraft, They were offsetting ALL my income to their charges and interest before paying any DD's which took me straight back into O/D and more charges, I had enough and transferred my income to another bank, and abandoned the account in Nov 2009 owing 1480.00, all charges and interest. I did make an offer to pay early 2010 which the bank ignored.

Please ask if there is anything else i should tell you.

Thank you so much

Fredbare

[Never-In-Doubt]

Re: Fredbares UE Diary

Hi Deepie

Thank you for the link.

MKDP were very quick to inform me this account is not covered by the cca 1974 as it was a current account and therefore no agreement is available, keynes on the other hand are claiming there is an agreement which will be used for litigation purposes.

I never received a default notice for the account, only a final demand, and they closed the account.

Can the letter you linked me to be used for an overdraft wholly made up of bank charges and interest? Is ADR something to do with mediation? Sorry for the questions Deepie, but i dont want to do anything wrong here and im in a bit of a panic.

Thank you again

Fredbare

ADR is alternative dispute resolution (service).... don't worry about that.

How much is owed on this, and how come it is "all" charges...? Please try and elaborate and make me understand things and I'll try help you send a reply.

[fredbare]

Re: Fredbares UE Diary

Hi Deepie

Thank you for the link.

MKDP were very quick to inform me this account is not covered by the cca 1974 as it was a current account and therefore no agreement is available, keynes on the other hand are claiming there is an agreement which will be used for litigation purposes.

I never received a default notice for the account, only a final demand, and they closed the account.

Can the letter you linked me to be used for an overdraft wholly made up of bank charges and interest? Is ADR something to do with mediation? Sorry for the questions Deepie, but i dont want to do anything wrong here and im in a bit of a panic.

Thank you again

Fredbare

[Deepie]

Re: Fredbares UE Diary

Hi everyone

Sent the letter to mkrr referring them to previous correspondence. I have received two letters back, both delivered the same day, one from keynes headed notice of intended legal action 10 march and one from mkdp 13 march stating they cannot resolve my query, they take great care blah blah and they will conduct a thorough review and liase with OC, they will let me know the outcome.

The letter from keynes quote pre action protocols, they have been instructed by mkdp to collect the outstanding balance in accordance with my agreement,!!! They state I had an agreement with OC which I defaulted on and breached the agreement!!! which has now been terminated,. They state that within 14 days legal action may be taken without further warning.

MKRR are still ignoring me and have not responded to my request for documents. MKDP are replying to correspondence sent to MKRR.

I know I must take the letter from keynes seriously although I think my letter to MKRR crossed with theirs,

Should I send keynes the reply to an lba?

I'd be sending this to Keynes if it were me---> http://forums.all-about-debt.co.uk/s...l=1#post364681

[fredbare]

Re: Fredbares UE Diary

Hi everyone

Sent the letter to mkrr referring them to previous correspondence. I have received two letters back, both delivered the same day, one from keynes headed notice of intended legal action 10 march and one from mkdp 13 march stating they cannot resolve my query, they take great care blah blah and they will conduct a thorough review and liase with OC, they will let me know the outcome.

The letter from keynes quote pre action protocols, they have been instructed by mkdp to collect the outstanding balance in accordance with my agreement,!!! They state I had an agreement with OC which I defaulted on and breached the agreement!!! which has now been terminated,. They state that within 14 days legal action may be taken without further warning.

MKRR are still ignoring me and have not responded to my request for documents. MKDP are replying to correspondence sent to MKRR.

I know I must take the letter from keynes seriously although I think my letter to MKRR crossed with theirs,

Should I send keynes the reply to an lba?

[fredbare]

Re: Fredbares UE Diary

Thanks Nightwatch

Will do that and let you know what happens

Regards Fredbare

[nightwatch]

Re: Fredbares UE Diary

Yep refer them back to your last letter,then wait for Keynes to contact you, coz their bound to have sent it on already,

[fredbare]

Re: Fredbares UE Diary

Hi everyone, me again

A letter from MKRR, as follows

Despite previous correspondence from us in which we have made offers to agree payment solutions that suit your finncial circumstances you have not made full payment or arranged a payment plan.

Owing to this we have no option but for your account to now be transferred to Keynes Collections for litigation consideration to resolve this on our behalf. Any further actions that are taken mat result in additional fees and charges being applied to your account.

In order that we may reach an acceptable outcome you need to contact us without delay as in 7 days time the escxalation team may take appropriate further action.

PLEASE CALL US AS A MATTER OF URGENCY.

So they have ignored my reply regarding their silly LBA letter, theyv b een phoning a couple of times a day for the last few days as well, but iv ignored that.

I think il send a short letter referring them to my request for documents,, as I have informed MKDP I will only correspond with MKRR, I shouldnt ignore it.

Your views would be appreciated, reply or ignore and wait for Keynes to get in touch.

Thank you

Regards Fredbare

[fredbare]

Re: Fredbares UE Diary

Hi Nightwatch

Yes I agree, thats what Il do then, ignore them all, will update when I hear from them. Thank you

Regards Fredbare

[nightwatch]

Re: Fredbares UE Diary

I think I would wait and see what they send next, at the moment they are trying to send you round in circles, why waste the postage?