spent2much UE diary

[Spent2much]

Re: spent2much UE diary

Great result S2M!



Make sure you keep that letter safe!

I know you think its only a small amount, but it all adds up over a while.

Best
SnV

i need to write to them as they actually confirmed this to payplan on the phone .

It a small amount but like you say it all adds up and we are thrilled with the result

[Spent2much]

Re: spent2much UE diary

Type of account (credit card) husband's

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 )

9/7/12 sent cca request
27/7/12 letter saying they are dealing with request

12/02/2013 from barclaycard

cca recon sent to niddy

sending missing pt's 13/02/13

22/02/2013 from Barclaycard

About your complaint

Thank you for contacting us on 13 Feb 2013 regarding your Barclaycard account.
I am sorry that you have had reason to complain.

I understand you are not satisfied that we have complied with our obligations under section78 of CCA . We believe your credit agreement is to be fully compliant with the Act and any allegations that it is not will be opposed . I realise this is not the answer you wanted, so I have given the details below so you can see the reasons behind our decision.

I am aware that we made errors in our previous response which i have amended accordingly. Feedback has been given to the member of staff who made this error.

I would like to assure you that the provision of a high level of service is of paramount importance to us and apologise for the oversight in the information provided with our previous letter.

I would like to acknowledge your request for a copy of your original agrement and I am able to confirm that this has been sent to the relevant department who will contact you directly regarding this.

______

It goes on to explain about the case of Carey v HSBC

then about the statement of the terms of the agreement as varied

regulation 7 of CNC regulations provides that , where an agreement has been varied in accordance with section 82(1) of the Act ( as is the case with your credit agreement|)

___________

another 2 pages of statement of account

compliance with section 61 of th Act

office of fair trading

timescales

your options

Please take this letter as our final response to your complaint. If anything is unclear or if you are unhappy with the way we have handled your complaint, please write to the oabove address. I will do all I can to answer your questions and reach an agreement with your.

28/02/2013 from barclaycard

Thank you for contacting Barclaycard.

Arrangements have been made for a copy of your ofiginal agreement to be issued to you, under separate cover, in due course.

May i also advise that your other queries are being handled by another deprartment and they will reply to you shortly.

I hope this information is of some assistance to you.

update

[ScabHunter]

Re: spent2much UE diary

update

Just leave it alone for now. It doesn't look as though the left hand knows what the right hand is doing with this lot, but as there are no threats, just wait to see what they come up with next.

SH

[Spent2much]

Re: spent2much UE diary

Just leave it alone for now. It doesn't look as though the left hand knows what the right hand is doing with this lot, but as there are no threats, just wait to see what they come up with next.

SH

will do thanks, i am expecting the same letter for my credit card so will update when i receive from them .

[stuffthebanks]

Re: spent2much UE diary

Well done STM on the phone contract write off...every little helps....nice one.....

[Spent2much]

Re: spent2much UE diary

Well done STM on the phone contract write off...every little helps....nice one.....

thank you yes it does

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)husband's

Date commenced (2003)

Approx balance (£467

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 (Capitol one)

9/7/12 cca request
1/9/12 account passed to Fredrickson's
21/9/12 Fredrickson demanding payment
24/9/12 sold in dispute letter also copy sent to Cap One
6/10/12 account on hold while they refer back to Cap one.
10/10/12 Fredrickons saying their client has complied with the cca on 16/7/12)not received a thing)
12/10/12 threat of court action
15/10/12 threatogram sent letter before action
22/10/12 threat before action postcard advised threatogram letter again
24/10/12 Fredrickson They have rreferred the account back to Cap One no longer instructed to deal with it.


11/01/13
from cap one letter scanned

24/01/13 sent a one liner asking them to re-send the two letters they said they sent me July 12 and oct 12.
08/02/2013 from Cap one

Thank you for your recent letter.

I would like to be able to help you with your query, but unfortunately you did not sign your letter. To enable me to answer your query, please write to us at the address below including and example of your signature and your 16 digit account number as a reference:

Alternatively , you can call one of our specialist account managers who will go though a security check with you and answer your query immediatley.
I'm sorry for the inconveience this may cause you. I realise how frustrating it to have to go to the trouble of contacting us again. However , we need to do this to protect the security of your account and personal details.

what a load of crap , if they said they sent me the cca twice before or whatever they are referring to without a signature then why now ? i don't believe they sent anything and do they think we are that stupid to send them a signature :

02/03/2013 from Bryan Carter solicitors LLP

We write with regard to this outstanding debt.

Payment must be made in full within the next fourteen days failing which we will recommend to our client that proceedings be issued without further notice.

Should proceeddings be issued, additional charges will be added to the existing balance as shown below.

Outstanding balance £467.90
Interest £ 37.90
Court fees £ 30.00
Solicitors Costs £ 50.00
New Balance £ 585.33 if proceedings are issued.

If you dispute liability for this debt please state your reasons in writing and supply us with documents in support of your defence to any claim.

Before the account is referred to us to litigate you still have an opportunity to contact Fredrickson International Ltd with your payment proposals. In order to avoid further action you should telephone them immediately on 000000000

This is a serious matter and you wish to seek independent legal advice.

update in red

[ScabHunter]

Re: spent2much UE diary

That is a direct letter of claim, and will need to be answered using the outline which Paul first gave us on the SlickFM thread. Here is an example of a letter which was sent in response to another letter of claim sent by the same vile solicitor -

allaboutFORUMS - View Single Post - DGJsaver UE Diary

Yours will need to be similar. If you can outline the circumstances of this alleged account, it will be easier to compose a suitable reply. The CCA request was sent on 9th July 2012, did you ever receive anything back from it?

SH

[Still Waving]

Re: spent2much UE diary

I'm a bit surprised that you have had a letter from Bryan Carter, now that Freds are no longer on the case.

[ScabHunter]

Re: spent2much UE diary

I'm a bit surprised that you have had a letter from Bryan Carter, now that Freds are no longer on the case.

It seems like another case of the left hand not knowing what the right is doing. You could probably ignore this and get away with it, as it is just an idle threat. I would still respond to it properly, though, just to make sure that all possibilities are defended against.

SH

[Spud]

Re: spent2much UE diary

Ref the Barclaycard CCA - They sent me a recon then they sent me a copy of the very same letter - A copy of my original will be sent by seperate cover

Now I'm hoping I have to wait a while for that to appear .......

[Still Waving]

Re: spent2much UE diary

Incidentally, when I had an identical letter from Carter re my Cap1 a/c I sent a SWID letter and heard no more from them.

[Spent2much]

Re: spent2much UE diary

That is a direct letter of claim, and will need to be answered using the outline which Paul first gave us on the SlickFM thread. Here is an example of a letter which was sent in response to another letter of claim sent by the same vile solicitor -

allaboutFORUMS - View Single Post - DGJsaver UE Diary

Yours will need to be similar. If you can outline the circumstances of this alleged account, it will be easier to compose a suitable reply. The CCA request was sent on 9th July 2012, did you ever receive anything back from it?

SH

No, they are lying saying they sent it twice July and Oct , but we haven't had anything .

I have just printed the letter you recommended and will send it Monday .

Thank you for your help as always

[ScabHunter]

Re: spent2much UE diary

No, they are lying saying they sent it twice July and Oct , but we haven't had anything .

I have just printed the letter you recommended and will send it Monday .

Thank you for your help as always

No, no, NO!!!!!

I have not recommended any letter. What I have done is shown you an EXAMPLE of the TYPE of letter you need to send.

Fair enough, this is Carter. He may well chuck in the towel at the first sign of someone knowing the law. But, do you want to take the risk of sending an irrelevant communication which could be torn apart in court should it get there?

The letter which was written for DGJsaver includes a paragraph relating to a document received in 2010. You sent your request in 2012. How big a pilchard are you going to look if you just copy and paste the same letter? How are you going to answer the questions put to you in court about a document which you allegedly received two years before you even sent the request?

You CANNOT be lazy when responding to letters of claim. You have got to make sure that what is written within the basic outline actually relates to your situation, and is totally accurate. Any gross inaccuracy could be seized upon, to your very great detriment.

If you want me to write a version of the letter which fits your own case, I can do that. As long as I have the full facts concerning this exact case. Which is why I asked about the response to the July 2012 request.

Let me know if you now want an appropriate response to be written.

SH

[Spent2much]

Re: spent2much UE diary

No, no, NO!!!!!

I have not recommended any letter. What I have done is shown you an EXAMPLE of the TYPE of letter you need to send.

Fair enough, this is Carter. He may well chuck in the towel at the first sign of someone knowing the law. But, do you want to take the risk of sending an irrelevant communication which could be torn apart in court should it get there?

The letter which was written for DGJsaver includes a paragraph relating to a document received in 2010. You sent your request in 2012. How big a pilchard are you going to look if you just copy and paste the same letter? How are you going to answer the questions put to you in court about a document which you allegedly received two years before you even sent the request?

You CANNOT be lazy when responding to letters of claim. You have got to make sure that what is written within the basic outline actually relates to your situation, and is totally accurate. Any gross inaccuracy could be seized upon, to your very great detriment.

If you want me to write a version of the letter which fits your own case, I can do that. As long as I have the full facts concerning this exact case. Which is why I asked about the response to the July 2012 request.

Let me know if you now want an appropriate response to be written.

SH

Ok then i need to send something i think so if you can write one for me i would appreciate that