925pws UE diary

[925pws]

Re: 925pws UE diary

Update Halifax

• Type of account: CC 2
• Date commenced: 10 + years
• Approx balance: £12,000
• Date last paid May 2012
• Are you on arrangement or not paying: not paying from June
• Status up to date
• Account owner: Halifax

06/06/12 cancelled DMP
06/06/12 requested CCA
09/07/12 reconstituted CCA received and emailed to Niddy for comment
12/07/12 Niddy says
23/07/12 Sent MPT letter as well as Harassment Letter nicely rolled in to one
30/07/12 Letter received from Halifax stating you have not paid - no shit Sherlock!
20/08/12 Letter received from Halifax asking me to call to arrange payment - don't think so matey
25/08/12 Letter received asking for payment or they will call the house.
28/08/12 Sent doorstep visit letter as wasn't sure if they meant phone the house or call. In any case they have yet to respond to the harassment letter and MPT letter I sent. Think they are getting their knickers in a twist over these letters
15/09/12 DN received from Halifax. Filed.
09/12 Sent another harassment letter.
09/12 Received letter stating they are transferring this to a DCA. Filed for now.
29/09/12 Received letter from Halifax asking for my I&E and list of creditors to come to an arrangement for repaying. Filed.
06/10/12 Received a lovely letter from Albion DCA introducing themselves as now dealing with this account and asking me nicely IN BIG RED LETTERS to pay £12k.
08/10/12 Sent Sold in Dispute letter as suggested.

Hi folks, received letter from Halifax which is replying to my harassment letter from September. Not saying much except file out I&E and forward to Albion. I will just file for now to see what they send next unless anyone else thinks differently?

Thanks as always.

[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.
09/12 Letter received to say I haven't paid. Filed.

Received letter saying they have cancelled my arrangement plan and will start charging. They have yet to send me CCA. Is there a letter I need to send now? Thanks as always.

[Deepie]

Re: 925pws UE diary

Hi folks, received letter from Halifax which is replying to my harassment letter from September. Not saying much except file out I&E and forward to Albion. I will just file for now to see what they send next unless anyone else thinks differently?

Thanks as always.

That is what I would do............

[ScabHunter]

Re: 925pws UE diary

Not saying much except file out I&E

I'd send 'em an F&U instead.

I will just file for now to see what they send next unless anyone else thinks differently?

Thanks as always.

Yeah, just wait for the next pile of skunk dung. They have no right to demand any financial information. Well, they can demand it, but you can quite properly just ignore them.

SH

[925pws]

Re: 925pws UE diary

Nope! Let's see what they send next and what they send in response to your CCA request. Barcraps very often can't find them!

Thanks FP. The CCA request was sent in June, so would you just ignore for now?

[925pws]

Re: 925pws UE diary

Thanks for your words of wisdom FP, very much appreciated. I'll just file all the cr@p for now and see what they send me next

[925pws]

Re: 925pws UE diary

Don't get me wrong I'm not complaining and I know no two debts take the same route but I haven't received any correspondence in over two weeks. Just wondering if this is to be expected?

Hope everyone is doing well?

[925pws]

Re: 925pws UE diary

UPDATE:

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.


Am I correct in thinking I should send sold in dispute as Barclays haven't sent me the CCA? Also is it ok to send off harassment letter too as past week have received 2 calls daily from these idiots. Of course I don't answer and never will. Thanks as always.

[Deepie]

Re: 925pws UE diary

UPDATE:

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.


Am I correct in thinking I should send sold in dispute as Barclays haven't sent me the CCA? Also is it ok to send off harassment letter too as past week have received 2 calls daily from these idiots. Of course I don't answer and never will. Thanks as always.

That's what I would do..........

[925pws]

Re: 925pws UE diary

UPDATE:

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.
27/11/12 Sent harassment letter and sold while in dispute letter.

Received email from b/card asking me to phone them regarding my letter. Of course I will not phone them but should I send anything via email or just ignore?

Thanks as always.

[ScabHunter]

Re: 925pws UE diary

UPDATE:

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.
27/11/12 Sent harassment letter and sold while in dispute letter.

Received email from b/card asking me to phone them regarding my letter. Of course I will not phone them but should I send anything via email or just ignore?

Thanks as always.

Have you got any special reason to be communicating with them by email?

It is a controversial issue. The accepted wisdom is that communication should be by snail mail only, but that obviously needs to be seen within the context of the individual. Someone who is living on benefits, and who has around twenty alleged creditors, would find themselves unable to manage if they tried to follow the accepted guidelines.

If there is no special reason to be corresponding by email, I would just tell them that the address is now defunct. If it is a web based email service, close it and get a new one. If it is a domain email through a hosting account, either delete the address and create a new one, or use Mailwasher to bounce the emails.

If you are absolutely boracic and need to be using email, you could keep it open to send anything which is not critically important. It will still establish a communication trail which a court will accept as evidence.

Either way, no there is no need to reply to the latest facetious drivel. Most elephants can fart more coherently than Sharklaycard can write.

SH

[Undercover Elsa]

Re: 925pws UE diary

I agree, I'd ignore them if it was me. You've said what needs to be said in the letter.

[925pws]

Re: 925pws UE diary

I'm quite happy to correspond via snail mail and will continue to do so. I will ignore the email.

Many thanks for your wonderful words of wisdom folks, it is greatly appreciated as always.

[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.


Am I correct in assuming Sold in Dispute letter should be sent? Thank you as always.

[925pws]

Re: 925pws UE diary

UPDATE:

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.
27/11/12 Sent harassment letter and sold while in dispute letter.
01/12/12 Received email. Ignored.
06/12/12 Received letter sorry for phoning me so will deal with me in writing. Have credited £50 to my account. They acknowledge they have not sent CCA as there is a backlog. Filed.