925pws UE diary

[Susie]

Re: 925pws UE diary

Agree with the others in that you need the money so keep it in your account! but to give you an idea of what is possible MBNA offered me a settlement of between 25 and 30% if I could get the money from somewhere (this is well before I found this place and would differ from account to account) it shows that its possible to get fairly low settlements if there is a problem with the agreement.

[925pws]

Re: 925pws UE diary

Hi everyone

Have a few updates but will make separate posts.

Barclaycard

• Type of account: CC1
• Date commenced: 2011
• Approx balance: 4800
• Date last paid: 15th May
• Are you on arrangement or not paying: not paying from June
• Status: up to date in May
• Account owner: Barclaycard

06/06/12 cancelled DMP
06/06/12 requested CCA
15/06/12 letter received from B/card: received my CCA request, will be in contact soon - filed - no action required.
01/09/12 Letter received to say I haven't paid. Filed.
24/11/12 Letter received from Mercers saying they are dealing and to pay up.
25/02/13 Received letter from Barclaycrap saying they enclose CCA but it was just a set of terms and conditions.
02/03/13 Received letter from Mercers saying pay up or someone will call to door.

So question is, do I send MPT letter or doorstep threat letter?

[Deepie]

Re: 925pws UE diary

Hi everyone

Have a few updates but will make separate posts.

Barclaycard

• Type of account: CC1
• Date commenced: 2011
• Approx balance: 4800
• Date last paid: 15th May
• Are you on arrangement or not paying: not paying from June
• Status: up to date in May
• Account owner: Barclaycard

06/06/12 cancelled DMP
06/06/12 requested CCA
15/06/12 letter received from B/card: received my CCA request, will be in contact soon - filed - no action required.
01/09/12 Letter received to say I haven't paid. Filed.
24/11/12 Letter received from Mercers saying they are dealing and to pay up.
25/02/13 Received letter from Barclaycrap saying they enclose CCA but it was just a set of terms and conditions.
02/03/13 Received letter from Mercers saying pay up or someone will call to door.

So question is, do I send MPT letter or doorstep threat letter?

I would send this along with doorstep threat if it were me ---> Account Sold whilst in Dispute

[925pws]

Re: 925pws UE diary

UPDATE:

Halifax

• Type of account: Loan
• Date commenced: 2009
• Approx balance: 12,000
• Date last paid: May
• Are you on arrangement or not paying: not paying from June
• Status default
• Account owner: Blair, Oliver & Scott

06/06/12 cancelled DMP
06/06/12 requested CCA
25/06/12 received CCA
26/06/12 emailed CCA to Niddy and will await his suggestions
26/06/12 Niddy says
14/07/12 Letter from Blair, Oliver, Scott saying they are servicing this a/c. Filed.
23/07/12 Sent MPT letter to BOS.
26/07/12 Bunch of phoned my work this morning. Have just sent off Harrassment letter.
03/08/12 Letter from Halifax stating: sorry you have had to complain, we are looking in to this and will respond in due course. Filed
10/08/12 Letter from BOS saying I haven't paid. Have filed as they still haven't answered my letter of 3rd which contained MPT and Harrassment points.
20/08/12 Letter from Halifax advising I haven't paid. Filed.
25/08/12 Letter from BOS threatening all kinds of things if I don't pay immediately or contact them to arrange payment.
28/08/12 Sent doorstep visit letter.
03/09/12 Received letter from BOS, threatening all kinds of things yet again. Think my doorstep letter crossed in post with it. Will file for now unless anyone thinks they would deal with it differently? Filed.
10/09/12 Received letter from Halifax in reference to my MPT lett
er, basically saying this account is EN and nothing was missing. They are correct as I'm blagging this. Have just filed this.
15/09/12 Received letter from BOS with a large box typed on it with the words INTENTION TO COMMENCE COURT PROCEEDINGS. It goes on to say that Halifax have instructed them to commence court proceedings so phone them to stop this action being taken.
09/12 Sent Threat to Commence Litigation letter to BOS
29/09/12 Received letter from dysdenfairfax (they have now taken over from BOS), they acknowledge receipt of my threat o gram letter and are going to contact my creditor. In meantime it has been placed on hold.
Oct 12 Received letter from Halifax stating they have complied with my request and if I have any problems to go directly to FOS, they consider matter closed.
06/12/12 Received letter from Wetcloths to say they are dealing and to pay up.
Dec/12 Sent Sold in Dispute letter.
05/01/13 Received letter to say they will not pursue while dealing with my query. Filed.
02/03/13 Received letter from Wetcloths to say they have been in contact with Halifax and they haven't received my request for CCA but they will waive the fee so I should send Wetcloths a letter requesting CCA.


So should I send them the letter requesting CCA? They have account on hold until I do. Thank you as always.

[Deepie]

Re: 925pws UE diary

UPDATE:

Halifax

• Type of account: Loan
• Date commenced: 2009
• Approx balance: 12,000
• Date last paid: May
• Are you on arrangement or not paying: not paying from June
• Status default
• Account owner: Blair, Oliver & Scott

06/06/12 cancelled DMP
06/06/12 requested CCA
25/06/12 received CCA
26/06/12 emailed CCA to Niddy and will await his suggestions
26/06/12 Niddy says
14/07/12 Letter from Blair, Oliver, Scott saying they are servicing this a/c. Filed.
23/07/12 Sent MPT letter to BOS.
26/07/12 Bunch of phoned my work this morning. Have just sent off Harrassment letter.
03/08/12 Letter from Halifax stating: sorry you have had to complain, we are looking in to this and will respond in due course. Filed
10/08/12 Letter from BOS saying I haven't paid. Have filed as they still haven't answered my letter of 3rd which contained MPT and Harrassment points.
20/08/12 Letter from Halifax advising I haven't paid. Filed.
25/08/12 Letter from BOS threatening all kinds of things if I don't pay immediately or contact them to arrange payment.
28/08/12 Sent doorstep visit letter.
03/09/12 Received letter from BOS, threatening all kinds of things yet again. Think my doorstep letter crossed in post with it. Will file for now unless anyone thinks they would deal with it differently? Filed.
10/09/12 Received letter from Halifax in reference to my MPT lett
er, basically saying this account is EN and nothing was missing. They are correct as I'm blagging this. Have just filed this.
15/09/12 Received letter from BOS with a large box typed on it with the words INTENTION TO COMMENCE COURT PROCEEDINGS. It goes on to say that Halifax have instructed them to commence court proceedings so phone them to stop this action being taken.
09/12 Sent Threat to Commence Litigation letter to BOS
29/09/12 Received letter from dysdenfairfax (they have now taken over from BOS), they acknowledge receipt of my threat o gram letter and are going to contact my creditor. In meantime it has been placed on hold.
Oct 12 Received letter from Halifax stating they have complied with my request and if I have any problems to go directly to FOS, they consider matter closed.
06/12/12 Received letter from Wetcloths to say they are dealing and to pay up.
Dec/12 Sent Sold in Dispute letter.
05/01/13 Received letter to say they will not pursue while dealing with my query. Filed.
02/03/13 Received letter from Wetcloths to say they have been in contact with Halifax and they haven't received my request for CCA but they will waive the fee so I should send Wetcloths a letter requesting CCA.


So should I send them the letter requesting CCA? They have account on hold until I do. Thank you as always.

Just a one liner telling them the CCA request was sen on xx/xx/xxxx

[925pws]

Re: 925pws UE diary

Just a one liner telling them the CCA request was sen on xx/xx/xxxx

Even though I requested this back in June 2012 and they have since sent me the CCA?

[Deepie]

Re: 925pws UE diary

Even though I requested this back in June 2012 and they have since sent me the CCA?

Yes.... you should only do one CCA request....only in extreme circumstances do we send another CCA request.

[Enforcer]

Re: 925pws UE diary

I have now sent 3 s78 requests to Barclaycard. They do not cash the cheques, nor do they reply!

[ScabHunter]

Re: 925pws UE diary

I have now sent 3 s78 requests to Barclaycard.

In that case, you've wasted your time and money.

Send ONE request, which will put them in default after 14 days whether they cash the cheque or not, and then follow up with the appropriate reminders when necessary.

SH

[925pws]

Re: 925pws UE diary

UPDATE:

Halifax

• Type of account: Loan
• Date commenced: 2009
• Approx balance: 12,000
• Date last paid: May
• Are you on arrangement or not paying: not paying from June
• Status default
• Account owner: Blair, Oliver & Scott

06/06/12 cancelled DMP
06/06/12 requested CCA
25/06/12 received CCA
26/06/12 emailed CCA to Niddy and will await his suggestions
26/06/12 Niddy says
14/07/12 Letter from Blair, Oliver, Scott saying they are servicing this a/c. Filed.
23/07/12 Sent MPT letter to BOS.
26/07/12 Bunch of phoned my work this morning. Have just sent off Harrassment letter.
03/08/12 Letter from Halifax stating: sorry you have had to complain, we are looking in to this and will respond in due course. Filed
10/08/12 Letter from BOS saying I haven't paid. Have filed as they still haven't answered my letter of 3rd which contained MPT and Harrassment points.
20/08/12 Letter from Halifax advising I haven't paid. Filed.
25/08/12 Letter from BOS threatening all kinds of things if I don't pay immediately or contact them to arrange payment.
28/08/12 Sent doorstep visit letter.
03/09/12 Received letter from BOS, threatening all kinds of things yet again. Think my doorstep letter crossed in post with it. Will file for now unless anyone thinks they would deal with it differently? Filed.
10/09/12 Received letter from Halifax in reference to my MPT lett
er, basically saying this account is EN and nothing was missing. They are correct as I'm blagging this. Have just filed this.
15/09/12 Received letter from BOS with a large box typed on it with the words INTENTION TO COMMENCE COURT PROCEEDINGS. It goes on to say that Halifax have instructed them to commence court proceedings so phone them to stop this action being taken.
09/12 Sent Threat to Commence Litigation letter to BOS
29/09/12 Received letter from dysdenfairfax (they have now taken over from BOS), they acknowledge receipt of my threat o gram letter and are going to contact my creditor. In meantime it has been placed on hold.
Oct 12 Received letter from Halifax stating they have complied with my request and if I have any problems to go directly to FOS, they consider matter closed.
06/12/12 Received letter from Moorcrofts to say they are dealing and to pay up.
Dec/12 Sent Sold in Dispute letter.
05/01/13 Received letter to say they will not pursue while dealing with my query. Filed.
Feb received letter to say they didn't receive my CCA request.
Mar sent one liner saying it was requested on...
Apr received letter saying that Halifax did not receive original request and to send a letter to them asking for CCA.

Should I send another request as they are now stating they didn't receive my original one?

[925pws]

Re: 925pws UE diary

Barclaycard

• Type of account: CC1
• Date commenced: 2011
• Approx balance: 4800
• Date last paid: 15th May
• Are you on arrangement or not paying: not paying from June
• Status: up to date in May
• Account owner: Barclaycard

06/06/12 cancelled DMP
06/06/12 requested CCA
15/06/12 letter received from B/card: received my CCA request, will be in contact soon - filed - no action required.
01/09/12 Letter received to say I haven't paid. Filed.
24/11/12 Letter received from Mercers saying they are dealing and to pay up.
25/02/13 Received letter from Barclaycrap saying they enclose CCA but it was just a set of terms and conditions.
02/03/13 Received letter from Mercers saying pay up or someone will call to door.
Mar/13 Sent doorstep letter.
Mar/13 received letter to say they are selling debt on. Filed.

[925pws]

Re: 925pws UE diary

MBNA

• Type of account: CC3
• Date commenced: 2010
• Approx balance: £8000
• Date last paid: May 2012
• Are you on arrangement or not paying: not paying from June
• Status up to date but reduced from 1st June
• Account owner: MBNA

06/06/12 cancelled DMP
06/06/12 requested CCA
23/06/12 received CCA
25/06/12 Niddy says
23/07/12 Sent MPT letter as blagging for now.
10/08/12 Received letter from MBNA stating they believe they have complied with CCA request and the agreement is in order as original was sent.
15/09/12 Letter received saying they have placed a hold on my credit card. Filed.
16/02/12 Received letter saying if I would like to make them a reasonable offer on the debt they will consider it. Filed
29/03/13 Received letter from Aktiv Kapital saying they are now dealing and to make payment.

Am assuming best course of action is perhaps Sold in Dispute?

Thanks as always.

[ScabHunter]

Re: 925pws UE diary

Am assuming best course of action is perhaps Sold in Dispute?

Thanks as always.

That is what I would send.

Account Sold whilst in Dispute - allaboutDEBT UK

SH

[ScabHunter]

Re: 925pws UE diary

Should I send another request as they are now stating they didn't receive my original one?

No, you should not humour these idiots by sending another request. I would send them this -

“Dear Sirs,

I am in receipt of your letters dated xxth February and xxth April 2013, in which you allege that Halifax did not receive the request I submitted on 6th June 2012. On the contrary, the request must have been received, as it was actioned on 25th June 2012. A further letter was sent to Blair, Oliver and Scott on 23rd July 2012, in response to the documentation received, a copy of which is enclosed.

Yours Faithfully,”

Enclose with the letter a copy of the Missing Prescribed Terms letter, exactly as it was previously sent, including the date of 23rd July 2012.

SH

[925pws]

Re: 925pws UE diary

Been a while since I've been on. Still job hunting and unfortunately family member seriously ill. Have just had a few letters which I have replied with Sold in Dispute and MPT. Update on loan below so send the usual Sold in Dispute letter. Thanks again for all your support, I wouldn't be able to do this without you all.

Halifax

• Type of account: Loan
• Date commenced: 2009
• Approx balance: 12,000
• Date last paid: May
• Are you on arrangement or not paying: not paying from June
• Status default
• Account owner: Blair, Oliver & Scott

06/06/12 cancelled DMP
06/06/12 requested CCA
25/06/12 received CCA
26/06/12 emailed CCA to Niddy and will await his suggestions
26/06/12 Niddy says
14/07/12 Letter from Blair, Oliver, Scott saying they are servicing this a/c. Filed.
23/07/12 Sent MPT letter to BOS.
26/07/12 Bunch of phoned my work this morning. Have just sent off Harrassment letter.
03/08/12 Letter from Halifax stating: sorry you have had to complain, we are looking in to this and will respond in due course. Filed
10/08/12 Letter from BOS saying I haven't paid. Have filed as they still haven't answered my letter of 3rd which contained MPT and Harrassment points.
20/08/12 Letter from Halifax advising I haven't paid. Filed.
25/08/12 Letter from BOS threatening all kinds of things if I don't pay immediately or contact them to arrange payment.
28/08/12 Sent doorstep visit letter.
03/09/12 Received letter from BOS, threatening all kinds of things yet again. Think my doorstep letter crossed in post with it. Will file for now unless anyone thinks they would deal with it differently? Filed.
10/09/12 Received letter from Halifax in reference to my MPT lett
er, basically saying this account is EN and nothing was missing. They are correct as I'm blagging this. Have just filed this.
15/09/12 Received letter from BOS with a large box typed on it with the words INTENTION TO COMMENCE COURT PROCEEDINGS. It goes on to say that Halifax have instructed them to commence court proceedings so phone them to stop this action being taken.
09/12 Sent Threat to Commence Litigation letter to BOS
29/09/12 Received letter from dysdenfairfax (they have now taken over from BOS), they acknowledge receipt of my threat o gram letter and are going to contact my creditor. In meantime it has been placed on hold.
Oct 12 Received letter from Halifax stating they have complied with my request and if I have any problems to go directly to FOS, they consider matter closed.
06/12/12 Received letter from Wetcloths to say they are dealing and to pay up.
Dec/12 Sent Sold in Dispute letter.
05/01/13 Received letter to say they will not pursue while dealing with my query. Filed.
02/03/13 Received letter from Wetcloths to say they have been in contact with Halifax and they haven't received my request for CCA but they will waive the fee so I should send Wetcloths a letter requesting CCA.
March-June usual letters saying on hold until CCA received. Ignored.
July - Letter from BOS saying Robinson Way now dealing. Ignored.
July - Letter from RW saying pay up.
July - Sent Sold in Dispute letter.