btcc_racer Diary

[btcc_racer]

Barclays (over draft)
before Apr 2007 (not sure on exact date)
Balance: 3349.81
Last paid £50 payments to Barclays before handed over to Lewis Debit recovery
not paying
Status: Default
Account owner Lewis Debt Recovery – Barclays overdraft
Notes: i received an acknowledgment letter say that they are merely acting as a debt collector and my request for further info should be taken up with the bank, I was advised let them contact me if they want to take it further, is this still the case?

[btcc_racer]

Re: btcc_racer Diary

Barclays (over draft) – (2nd current account)
before Apr 2007 (not sure on exact date)
Balance 980 - approx
Date last paid paid token payment with Barclays collection department before the debt was sold off.
Are you on arrangement or not paying: not paying
Status: defualt
Account owner DCA - Moor Croft – Barclays overdraft account number 2
Notes:
I’ve received a letter from Moorcroft saying that they are passing my account to Home Collection division as I’ve not been in touch, I’ve also received a letter from Midas Credit Services in relation to my account saying that it would be bad for my credit rating etc if i don’t pay.... Confused why they would send me a letter whilst there address is same as Moorcroft and they refer to moor croft in the letter......?

[btcc_racer]

Re: btcc_racer Diary

Credit Card - Halifax
before Apr 2007 (not sure on exact date)
balance 7213 - approx
Date last paid : paid £10 back in Aug.
not paying
Status: defaulted
Account owner Wescot Halifax Credit Card account
Notes:cca has been sent on 22/08 I’ve got a letter from Robinson Way Ltd treating of court action going off the reference number this is my West Cot debt, im right in assuming they have ownership....?

[btcc_racer]

Re: btcc_racer Diary

Credit Card - MINT RBS
before Apr 2007 (not sure on exact date)
balance 8800 - approx
Date last paid last month £20 per monthback in Aug 2012
not paying
Status: defaulted
Account owner DCA - Moor Croft - mint rbs account
Notes: cca has been sent on 22/08 , I received a letter from Westcot to the above debt which moor croft had? The Debt demands payment of a reduced amount and this is followed up a letter from Nelson Guest & Solicitors. I’ve emailed these over to niddy a few days ago.

[btcc_racer]

Re: btcc_racer Diary

Credit Card - Egg Credit card
Date commenced before Apr 2007 (not sure on exact date)
balance 1350 & rising see notes
Date last paid last month £5 per month back in Aug 2012
not paying
Status: defaulted
Account owner DCA - Moor Croft
Notes: after sending the CCA request all communication to my knowledge had stopped from Moorcroft now they are pursing “possible litigation action” letter was sent to Niddy. Plus the are increasing charges to the account.

[btcc_racer]

Re: btcc_racer Diary

Credit Card - Sainsbury's
before Apr 2007 (not sure on exact date)
balance 3800 - approx
Date last paid £11 per month back in July/ Aug.
not paying
Status: defaulted
Account owner Cap Quest - Credit Card - Sainsbury's
Notes: cca has been sent on 22/08 I was challenged by a legal letter from HL Solicitors which I was told to send a letter saying that im not going to put up with threats. Also a letter was send to Cap Quest saying the CCA they provided didn’t comply to what i expected. This was then challenged by a letter explaining how they can reinforce it etc.....not sure if this was challenged....

[btcc_racer]

Re: btcc_racer Diary

Credit Card – MBNA Virgin
before Apr 2007 (not sure on exact date)
Approx balance 10,925 - approx
Date last paid £11 per month, last paid July 2012
not paying
Status: defaulted
Account owner Clarity (client names Arrows Global).
I don’t think anything has been sent, shall we start the ball off with a CCA request? Also there Solicitors are constantly ringing and you know how old folks get worried. Anyone had any dealings with Drydensfairfax Solicitors they are based in Leeds.

[btcc_racer]

Re: btcc_racer Diary

Credit Card – Capital one
before Apr 2007 (not sure on exact date)
balance £4056 - approx
Date last paid cant remember amount not paid since 2012 June
not paying
Status: defaulted
Account owner Byran Carter
cca has been sent on 22/08 Received CCA agreement, however i don’t recall if we challenged this or not. Either way I’ve not had any letters from Byran Carter and the phone calls seems to have stopped.

[btcc_racer]

Re: btcc_racer Diary

MK Rapid Recoveries
Apr 2007 (not sure on exact date)
Approx balance £4379 - approx
Date last paid £50 cant remember amount not paid since 2012 June
not paying
Status: defaulted
Account owner MK Recoveries
Don’t think anything has been sent to MK Recoveries as i think they are the first Debt collector to write to me regarding Barclay card. I use to pay Barclay card collections department £50 but i was sick of their calls asking me to increase the amount! Big bullies!

[jon1965]

Re: btcc_racer Diary

In my opinion you need to send a CCA request to all of the creditors except the overdrafts where you send he overdraft letter 1 which i do not lknow where it is hiding

[btcc_racer]

Re: btcc_racer Diary

the following have had cca sent to them:

Clarity - MBNA Virgin
Byran Carter - Capital one
Cap Quest - Sainsburys
Moor Croft _ Egg Card
Moor Croft - mint, now passed to Westcot (westcot for this debt has had a cca)
Wescot - now passed to robinson way no cca sent to them they now have the debt

all info its in the notes

[Undercover Elsa]

Re: btcc_racer Diary

Well done, that was a bit of a marathon for you!
Just some thoughts/queries:

Barclays (over draft)
before Apr 2007 (not sure on exact date)
Balance: 3349.81
Last paid £50 payments to Barclays before handed over to Lewis Debit recovery
not paying
Status: Default
Account owner Lewis Debt Recovery – Barclays overdraft
Notes: i received an acknowledgment letter say that they are merely acting as a debt collector and my request for further info should be taken up with the bank, I was advised let them contact me if they want to take it further, is this still the case?
Can you clarify what info you asked them for?

Barclays (over draft) – (2nd current account)
before Apr 2007 (not sure on exact date)
Balance 980 - approx
Date last paid paid token payment with Barclays collection department before the debt was sold off.
Are you on arrangement or not paying: not paying
Status: defualt
Account owner DCA - Moor Croft – Barclays overdraft account number 2
Notes:
I’ve received a letter from Moorcroft saying that they are passing my account to Home Collection division as I’ve not been in touch, I’ve also received a letter from Midas Credit Services in relation to my account saying that it would be bad for my credit rating etc if i don’t pay.... Confused why they would send me a letter whilst there address is same as Moorcroft and they refer to moor croft in the letter......?
They're part of the same company. Trying to make you think it's more serious because different companies are involved.
Overdrafts don't fall under the Consumer Credit Act in precisely the same way as Cards/loans etc do. However we are experimenting with a new approach to combating OD's. Have a read here>> Overdrafts - CCA Information - allaboutFORUMS

Credit Card - Halifax
before Apr 2007 (not sure on exact date)
balance 7213 - approx
Date last paid : paid £10 back in Aug.
not paying
Status: defaulted
Account owner Wescot Halifax Credit Card account
Notes:cca has been sent on 22/08 I’ve got a letter from Robinson Way Ltd treating of court action going off the reference number this is my West Cot debt, im right in assuming they have ownership....?
Have you had a "Notice of Assignment" informing you of change of ownership?
What, if any response did you get to your CCA request?

Credit Card - MINT RBS
before Apr 2007 (not sure on exact date)
balance 8800 - approx
Date last paid last month £20 per monthback in Aug 2012
not paying
Status: defaulted
Account owner DCA - Moor Croft - mint rbs account
Notes: cca has been sent on 22/08 , I received a letter from Westcot to the above debt which moor croft had? The Debt demands payment of a reduced amount and this is followed up a letter from Nelson Guest & Solicitors. I’ve emailed these over to niddy a few days ago.

Have they responded to CCA Request yet?

Credit Card - Egg Credit card
Date commenced before Apr 2007 (not sure on exact date)
balance 1350 & rising see notes
Date last paid last month £5 per month back in Aug 2012
not paying
Status: defaulted
Account owner DCA - Moor Croft
Notes: after sending the CCA request all communication to my knowledge had stopped from Moorcroft now they are pursing “possible litigation action” letter was sent to Niddy. Plus the are increasing charges to the account.
Again (sorry ) have they acknowledged your CCA request, sent an agreement or reconstituted one yet?

Credit Card - Sainsbury's
before Apr 2007 (not sure on exact date)
balance 3800 - approx
Date last paid £11 per month back in July/ Aug.
not paying
Status: defaulted
Account owner Cap Quest - Credit Card - Sainsbury's
Notes: cca has been sent on 22/08 I was challenged by a legal letter from HL Solicitors which I was told to send a letter saying that im not going to put up with threats. Also a letter was send to Cap Quest saying the CCA they provided didn’t comply to what i expected. This was then challenged by a letter explaining how they can reinforce it etc.....not sure if this was challenged....
Has Niddy seen the CCA?

Credit Card – MBNA Virgin
before Apr 2007 (not sure on exact date)
Approx balance 10,925 - approx
Date last paid £11 per month, last paid July 2012
not paying
Status: defaulted
Account owner Clarity (client names Arrows Global).
I don’t think anything has been sent, shall we start the ball off with a CCA request? Also there Solicitors are constantly ringing and you know how old folks get worried. Anyone had any dealings with Drydensfairfax Solicitors they are based in Leeds.

They're rubbish. Yes, send a CCA Request ASAP

Credit Card – Capital one
before Apr 2007 (not sure on exact date)
balance £4056 - approx
Date last paid cant remember amount not paid since 2012 June
not paying
Status: defaulted
Account owner Byran Carter
cca has been sent on 22/08 Received CCA agreement, however i don’t recall if we challenged this or not. Either way I’ve not had any letters from Byran Carter and the phone calls seems to have stopped.

Have you sent the agreement to Niddy?

MK Rapid Recoveries
Apr 2007 (not sure on exact date)
Approx balance £4379 - approx
Date last paid £50 cant remember amount not paid since 2012 June
not paying
Status: defaulted
Account owner MK Recoveries
Don’t think anything has been sent to MK Recoveries as i think they are the first Debt collector to write to me regarding Barclay card. I use to pay Barclay card collections department £50 but i was sick of their calls asking me to increase the amount! Big bullies!
I'd send a CCA request if they're pestering you. If they continue phoning include the telephone harrassment letter>> Our Templates | Harassment & Intimidation Templates | Harassment by Telephone

[btcc_racer]

Re: btcc_racer Diary

Originally Posted by btcc_racer
Barclays (over draft)
before Apr 2007 (not sure on exact date)
Balance: 3349.81
Last paid £50 payments to Barclays before handed over to Lewis Debit recovery
not paying
Status: Default
Account owner Lewis Debt Recovery – Barclays overdraft
Notes: i received an acknowledgment letter say that they are merely acting as a debt collector and my request for further info should be taken up with the bank, I was advised let them contact me if they want to take it further, is this still the case?
Can you clarify what info you asked them for?
.................................................. ................................................
i sent this this Overdrafts - CCA Information - allaboutFORUMS

i got a letter back saying "Please be advised we are not the creditor in this matter. The creditors is Barclays Bank PLC and we are merley instructed on their behalf to recover any outstand balance due

The statutory obligation to provide this information remains with the creditor and we therefore suggest you submit your request to them directly

We trust this clairies our position"

No follow up had been made after this

[btcc_racer]

Re: btcc_racer Diary

Originally Posted by btcc_racer
Barclays (over draft) – (2nd current account)
before Apr 2007 (not sure on exact date)
Balance 980 - approx
Date last paid paid token payment with Barclays collection department before the debt was sold off.
Are you on arrangement or not paying: not paying
Status: defualt
Account owner DCA - Moor Croft – Barclays overdraft account number 2
Notes:
I’ve received a letter from Moorcroft saying that they are passing my account to Home Collection division as I’ve not been in touch, I’ve also received a letter from Midas Credit Services in relation to my account saying that it would be bad for my credit rating etc if i don’t pay.... Confused why they would send me a letter whilst there address is same as Moorcroft and they refer to moor croft in the letter......?
They're part of the same company. Trying to make you think it's more serious because different companies are involved.
Overdrafts don't fall under the Consumer Credit Act in precisely the same way as Cards/loans etc do. However we are experimenting with a new approach to combating OD's. Have a read here>> Overdrafts - CCA Information - allaboutFORUMS

ive had a read is there anything i need to do? they keep sending letter and phone calls.....threating of legal action....

[btcc_racer]

Re: btcc_racer Diary

Originally Posted by btcc_racer
Credit Card - Halifax
before Apr 2007 (not sure on exact date)
balance 7213 - approx
Date last paid : paid £10 back in Aug.
not paying
Status: defaulted
Account owner Wescot Halifax Credit Card account
Notes:cca has been sent on 22/08 I***8217;ve got a letter from Robinson Way Ltd treating of court action going off the reference number this is my West Cot debt, im right in assuming they have ownership....?
Have you had a "Notice of Assignment" informing you of change of ownership?
What, if any response did you get to your CCA request?

I recivied a copy of the CCA which niddy asked me to send http://www.all-about-debt.co.uk/temp...lity/s2-t1.php

however i cant find this in my paperwork (i keep two copies along with the record delivery reciept)

is it worth sending again??? to cover my back. this has now constanly being pursued by Robinson Way and today i got a letter from Horwich Farrelly demanding payment....any ideas on what to do?