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  • #1

    Sweep's UE diary ( Barclayloan)

    Barclayloan

    Loan type: Loan
    Date: 14 December 2007
    Approx balance £21,200
    Last full payment November 2009
    Not paying / In default
    Account Mackenzie hall


    Background

    I took the loan out in December 2007 started struggling in late 2009 went to consumer credit counseling service. Due to a break up of my marriage i stopped paying in July 2011.


    Key
    sent
    received
     other information

    2011

    June sent CCA request
    June Letter X 2 Letter One stating how much i payed and the outstanding amount.Letter two with CCA, stating they do not have to provide me with a signed original form.

    June Sent CCA to Never in doubt UE

    September     Received letter from CDCS Account CLosed / pay balance     Ignored
    ( Just a quick note i had my responses on other computer but
    Hard drive failed and now going mostly on memory / but have not
    Used any other template )

    November Received letter DO NOT IGNORE THIS LETTER sorry had to ignore

    2012

    February     Received letter Final Notice Ignored

    March     Received letter From mackenzie hall threat of home visit. Ignored

    April     Received letter threat of doorstep assessment by Meritforce or issue
    a claim against me if judgment granted may lead to legal costs     cetera.
    Ignored

    April     Received letter (two weeks from last one ) Reduced settlement offer
    £17038     Ignored

    May     Received letter letter from Barclays with CCA (said i requested it )
    This may be because i requested a CCA for the barclays master card.


    Sorry I'm not bad with computers but never use forums, do i start a new post for the mastercard ( this is a good one). Thanks to never in doubt, Steve and all who helps with this site

    July Sent to Mackenzie hall a sold in dispute letter as suggested by MrsD (thanks MrsD ).

    August Received a letter from Mackenzie hall saying that the account had bee passed back to client, the above
    letter was also enclosed.

    August Received a letter from Barclay's bank saying that they had sold the account to Lowell. There was also a
    letter from Lowell     enclosed which just said who they are and that they purchased they debt.
    Thinking of sending a dispute letter

    Last edited by sweep; 31 August 2012, 19:16.
    Tags: 2012, account, action, arrangement, assessment, bank, barclaycard, barclays, birthday, card, cca, cca request, claim, consumer, credit, debt, direct debit, doorstep, hard drive, ico, legal, letter, lowell, mackenzie hall, mas, master, mastercard, niddy, orange, section 74, template, threat, ue diary, unenforceable
  • #2
    Re: Sweep's UE diary ( Barclayloan)

    Separate post for each account or did you mean thread ?
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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    • #3
      Re: Sweep's UE diary ( Barclayloan)

      Do a separate post for the mastercard on this thread.
      Let your smile change the world but don't let the world change your smile

      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

      Comment

      • #4
        Re: Sweep's UE diary ( Barclayloan)

        Happy birthday......
        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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        • #5
          Re: Sweep's UE diary ( Barclayloan)

          Happy birthday from me too sweep

          Here your birthday thread too ---- > Happy Birthday - allaboutFORUMS
          "If wishes were horses, beggars would ride"

          Comment

          • #6
            Re: Sweep's UE diary ( Barclayloan)

            On the 27/ 5 /12 Mackenzie hall sent a letter - Notification of property visit

            No reply

            On the 20/6/12 sent A direct Debit arrangement.

            Now I do not know why it should be before April 2007 but I believe that if they do not have the correct paper work they can not do anything.
            Never in doubt looked at the first credit agreement they sent me , after my request and said it was unenforceable. I have had another one but this looks the same as the first one.

            Thanks all for the posts, I do appreciate any information, thanks

            Comment

            • #7
              Re: Sweep's UE diary ( Barclayloan)

              is the second one the same as the first one?
              could you upload the second one to Niddy please so that he can have a look, in the meantime I would pop off the sold in dispute letter to hold them for the moment,

              Comment

              • #8
                Re: Sweep's UE diary ( Barclayloan)

                Thanks evenlessdopey (i should have called myself extremelydopey)
                The two CCA that they sent me look the same but can up load if required and will send the suggested letter, thanks

                Comment

                • #9
                  Re: Sweep's UE diary ( Barclayloan)

                  och i used to be a lot more Dopey but I'm learning!

                  Comment

                  • #10
                    Re: Sweep's UE diary ( Barclayloan)

                    Barclaycard mastercard
                    Loan type: Credit Card
                    Date: Taken out Around 2004
                    Approx balance £548.49
                    Last full payment Never paid desputed from start
                    Not paying / In default
                    Account Lowell

                    This is the other one

                    Background
                    On the 29 /9/2010 received a statement from Barclaycard saying i owed £39.99. I phoned them to query this as i had cut up my Card about 12 months before ( tried to cancel it but there was £1 odd in credit *** i future i will always request the money and cancel card).
                    They took 2 months ( adding costs to it to tll me that it was microsoft for an X box live account, i told them i was not getting a x box live account ( checked with kids ) and i had not authorize it.

                    4/11/2010 Received a letter from barclaycard they would like to help -i phoned said i did not owe this money

                    17/ 11/2010 Mercers became involved phoning and sending letters, i used the template in response to a phone call and they stopped.

                    15/2/2011 Received a letter from colder Financial - I wrote a letter x 2 stating that i did not owe this money as i had not authorized it and had not received the services, did not know anything about it until i was billed ( this was on my computer but had problems with hard drive and have lost it ).

                    22/2/2011 Received a letter from barclaycard Thanking me for the letter about their service and they would deal with the complaint. -- No Response

                    15/3/2011 Received a letter dealing with complaint. -- No Response

                    7/4/2011 Received a letter from barclaycard Final response they stated that it was a yearly subscription and i would need to provide proof of cancellation ( this was done strait away but i did not have the E-Mail)
                    ( at this point i did offer to pay for the original £39.99 but felt the charges were unjust as i did not know what this debt was ( had not used the card since August 2009, it had been cut up)

                    28/2/2012 Received a letter barclaycard account sold to Lowell (548.49) - no response

                    28/2/2012 Received a letter from Lowell Introducing themselves (just noticed that the original account number seems to be wrong ) -- no response

                    12/3/2012 Received a letter from lowell we are here to help -- No response

                    21/3/2012 Received a letter from Lowell We want to help -- No response

                    2/4/2012 Received a letter from Lowell Payment plan -- No response

                    16/4/2012 Received a letter from Lowell We can get your account in order -- No response

                    26/4/2012 Received a letter from Lowell Sending account to Red Debt Collection Services -- Asked for CCA

                    4/5/2012 Received a letter from Lowell saying that this account from which the above amount is due relates to a bank account that i held with barclays bank. whilst this account is a regulated agreement we would refer to Section 74(b) of the consumer credit act1974 whereby any requirement to supply a copy of the agreement is exempt for current bank accounts and have requested statements which show how the balance is made up. -- No response.

                    8/5/2012 Received a letter from barclays returning my £1 postal order and saying there is no sum payable under the credit agreement and therefor there is no requirement to comply.

                    17/5/2012 Received a letter from Lowell they have ordered statements -- no response

                    25/6/2012 Received a letter from Lowell They are now entitled to receive payment of the balance( along with this letter are a bunch of statements)

                    Now im confused because the statements seem to be for a barclays additions account in joint names with my ex-wife (we separated in July last year) and they match account number with the barclays letter of the 28/2/2012.
                    This is the first correspondence with this account number on that i have received.
                    Sorry a lot of these letters only have there ref number on them, very confused it may well be that my ex-wife has had accounts and im not sure, as i trusted her with the finances and signed what she asked, i know this is not a good thing now but was working a lot and trusted her so what do i do now.

                    OK found out that this was an overdraft taken out by my EX Wife without my knowledge ( an overdraft, as i understand it is not subject to a credit agreement) and was advised by Lowell to go to the police to report her for fraud but arranged a reduced amount of £350 which i paid in full.
                    Last edited by sweep; 31 August 2012, 17:22.

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