spent2much UE diary

[MrsD]

Re: spent2much UE diary

that's OK, as long as you get it off to them

[Spent2much]

Re: spent2much UE diary

first thing Monday

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)

Date commenced (2005) i put 2005 but they may be before this also

Approx balance.( £2,242.71

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status (default received but don't have it as was burgled in 2010 and some of our personal papers were scattered in the snow and could not be recovered )

Account owner (originally monument but passed to Barclaycard )

found a dca letter think this account is now with Mercers

[Spent2much]

Re: spent2much UE diary

Mercers are in-house collectors for Barclays. See here --->Mercers Debt Collections Ltd | CSA UK Members List

are they dfficult to deal with ?
I have spent most of yesterday and early this morning going through all the documents and sorting out each creditor, the really strange thing is that i have 3 small overdrafts with halifax and i can only find one set of statments 2 accounts i can't find and one creditor is a total mystery to me, i can't find who the original creditor was and even looking on payplanplus there is no record of the orginal creditor, I'm sure i will find out soon enough as the payments have stopped now so they will be writing to me

[SXGuy]

Re: spent2much UE diary

Mercers are easy to get rid dont worry. Couple of letters, you wont hear from them again.

Plus if no CCA comes back, they will close their file.

[Spent2much]

Re: spent2much UE diary

Mercers are easy to get rid dont worry. Couple of letters, you wont hear from them again.

Plus if no CCA comes back, they will close their file.

well the CCA's all go off today just waiting for the post office to open and the journey begins

[Spent2much]

Re: spent2much UE diary

All sent do the 12+2 days start from today or what ?

£39.60 total to send , bargain

[Pixie]

Re: spent2much UE diary

Yes the 12+2 days start from when you sent the cca requests.

I wouldn't worry too much about them coming back within that time frame as they are in default of your cca request until they're sent to you.

Get ready for the barrage of phone calls to start. If you answer the phone to any of the creditors/dcas just hang up or fail security. Never, ever speak to them - that's a cardinal rule.

[Spent2much]

Re: spent2much UE diary

Yes the 12+2 days start from when you sent the cca requests.

I wouldn't worry too much about them coming back within that time frame as they are in default of your cca request until they're sent to you.

Get ready for the barrage of phone calls to start. If you answer the phone to any of the creditors/dcas just hang up or fail security. Never, ever speak to them - that's a cardinal rule.

I won't i will tell them i will get whoever they want to the phone then just leave the phone on the side and watch tv , and put the phone down an hour later

[The Tech Clerk]

Re: spent2much UE diary

I won't i will tell them i will get whoever they want to the phone then just leave the phone on the side and watch tv , and put the phone down an hour later

Could play the 1712 Overture to them next to the phone, by the time the cannon goes off they probably got a head ache, the timing would be just right.

[Spent2much]

Re: spent2much UE diary

Could play the 1712 Overture to them next to the phone, by the time the cannon goes off they probably got a head ache, the timing would be just right.

or commit suicide

[The Tech Clerk]

Re: spent2much UE diary

or commit suicide

That would be a dead end.

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft Lloydstsb)

Date commenced (2003)

Approx balance (£520)

Date last paid (22 June 2012)

Are you on arrangement or not paying (was on dmp now stopped paying)

Status (default/cca being sent )

Account owner (moorcroft)

Letter from Moorcrof today,its says under the Consumer Credit Act 1974 they need a £1 before they can process my request .

this is an overdraft account i thought no £1 payment was needed

todays update

[Spent2much]

Re: spent2much UE diary

Type of account (store card ) Argos

Date commenced (2004)

Approx balance (£880)

Date last paid (22 June 2012)

Are you on arrangement or not paying (was on dmp now stopped paying)

Status (default/cca being sent )

Account owner (moorcroft)

letter recieved today, all collection activity on this account has been put on hold and they will not seek to enforce payment of this debt until such time as the documentation has been supplied or i am advised otherwise .

todays update

[Spent2much]

Re: spent2much UE diary

todays update

should i be sending them £1 ??