btcc_racer Diary

[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.

Nelson guest solicitors are turning up the head said that i have 10 days to contact them/ pay the debt off otherwise they are pursing other action. any help guys?

[btcc_racer]

Re: btcc_racer Diary

Regarding Halifax account, Horwich Farrelly) have the same address as Robinson Way.

ive sent Robinson Way a letter a week ago saying that the account is in dispute with Wescot, is it worth sending the above? sorry i should have pointed this out before!

Capital one have wrote after all this time, its almost like they are monitoring this forum! i aint joking!

[btcc_racer]

Re: btcc_racer Diary

Hi all, after sending the overdraft cca version to barclays moorcroft have been rining me sick, ive just spoken with them they want me to pay th £1366 overdraft, ive explained ive send barcalys a letter they have told me that barclays has nothing to do with the overdraft and its with them?

any help guys?

Thanks

Jay.

[MrsD]

Re: btcc_racer Diary

please don't speak to them on the phone

if they are phoning constantly send this

Our Templates | Harassment & Intimidation Templates | Harassment by Telephone

[ScabHunter]

Re: btcc_racer Diary

Hi all, after sending the overdraft cca version to barclays moorcroft have been rining me sick, ive just spoken with them they want me to pay th £1366 overdraft, ive explained ive send barcalys a letter they have told me that barclays has nothing to do with the overdraft and its with them?

any help guys?

I'll be perfectly honest here, even though it means being more blunt than I would normally like to be. If you've been advised many times not to talk to these scum on the telephone, and you're still doing this, then no, I honestly don't think there is anything to we can do to help you. You need to start helping yourself.

If you're prepared to do this, then there is every chance that the templates which this site offers can see off Moroncrap. They have done so many times before.

SH

[Pixie]

Re: btcc_racer Diary

Hi all, after sending the overdraft cca version to barclays moorcroft have been rining me sick, ive just spoken with them they want me to pay th £1366 overdraft, ive explained ive send barcalys a letter they have told me that barclays has nothing to do with the overdraft and its with them?

any help guys?

Thanks

Jay.

Send the letter MrsD has suggested and also send the cca OD letter to Moorcroft. I found that Moorcroft passed on my OD pretty quickly...though Robinson Way are proving to be a bit more persistent..

[jon1965]

Re: btcc_racer Diary

Bttc

One of the hardest things to do is waiting.
You will get lots and lots of letters (or at least I did) but by following the steps advised, 1 year in and I have not received any court papers or anything like that.
Right at the start , and before I knew anything better I received a LBA that crossed in the post with my CCA request. That account is now on indefinite hold until they find an agreement (unlikely)

With my Halifax OD I have seen off Iqor (twice) Robinson way and GPB solicitors (twice) . It is now with Wescot who keep writing to me saying this is not covered by the CCA as it is a current account and I keep righting back saying go and read the letter. That has been going on for some months

As for the phone, they will sound so bloody reasonable , try to trick you into doing enough security etc. Please try to keep off the phone, ask who is calling then just say only in writing and hang up. It really is quite funny when you hear them blustering as you hang up.

I will not be as blunt as SH as I have been on the receiving end of such "bluntness" and for me it was counter productive.
I hope you can hold it together enough to follow the process, it can and does work

[jon1965]

Re: btcc_racer Diary

BTTC
I have had a good read through your diary
My first question is about account ownership, I suspect that some of these are still owned by the original creditor and they are just using a DCA to collect. The actual account owner is quite important as a DCA can not initiate legal action whatever they say unless they own the debt, only the owner can.
If an account is sold then you should be given a notice of assignment

Anyway If you haven#t done these things this is what i would do, if you have can we have an update?

Barclays O/D 1 (Lewis debt recovery) >> send OD letter 1 to Barclays

Barclays O/D 2 (Moorcroft) I think you have sent OD letter 1 , any reply other than hassle on the phone. You could send OD letter 2 as well as the telephone harrasement letter

Halifax CC (Wescot) have you sent a CCA request, if no get one sent, if yes have they replied and what does Niddy Say

MINT you have sent CCA request , have they replied and did Niddy say UE or EN. Have you sent anything to them?

Egg you have sent CCA request , have they replied and did Niddy say UE or EN. Have you sent anything to them?

Virgin (Arrow Global) you have sent CCA request , have they replied and did Niddy say UE or EN. Have you sent anything to them?.
If the CCA was sent to previous owner send a new one to Arrow ASAP

Cap 1 you have sent CCA request , have they replied and did Niddy say UE or EN. Have you sent anything to them?

MK Rapid Recoveries (you think old barclay card debt) Have you sent a CCA request


Once you have sent and got replies to CCA requests you can take a view on what to do, if they have been sent and not replied to then if and when another DCA writes you just send the Account sold in dispute letter
If they haven't replied or just keep phoning you, then just send a telephone harasement letter

Our Templates | Harassment & Intimidation Templates | Harassment by Telephone telephone harassment letter

allaboutFORUMS - View Single Post - Overdrafts - CCA Information
OD letters 1 and 2

http://www.all-about-debt.co.uk/temp...lity/s2-t1.php
Missing PTs , send if Niddy tells you to

Our Templates | Unenforceability Templates | Account Sold whilst in Dispute
Send if a new DCA writes to you


Hope that all helps
If not just tell me to go do one

[btcc_racer]

Re: btcc_racer Diary

hi all guys thanks for response, at work at the moment so its a quick reply.

I will have more time tomorrow evening to go through everything.

Thanks

Jay

[jon1965]

Re: btcc_racer Diary

Just one more thought, if you do send a letter check and double check you have not missed anything out. Also make sure it is appropriate,for example if you just want to make sure they contact you inviting don't accuse them of harassment if that'd not true. Use the templates as that, a starting point. In some cases they are perfect,in others they need tweaking to circumstances.

[btcc_racer]

Re: btcc_racer Diary

Hi guys, after sending the letter out a few months ago everyones been quite now all of a sudden im getting more call and letters saying that im going to get some visiting me regarding my debt.

is there a letter i can send them or is it a bluff?

[ScabHunter]

Re: btcc_racer Diary

is there a letter i can send them or is it a bluff?

Yes, there is a letter you can send to ask that all communication be made in writing.

It may well be a bluff. It often is, as it is one way to attempt to bully an alleged debtor into making panic payments. It costs a lot less to make the threat than it does to carry it out.

Having said that, doorstep harassment does exist, and many of us have been subjected to it. There are no guarantees that it won't happen, but what is guaranteed is that the harasser has no rights whatsoever. Simply tell them to leave, if you even bother to tell them anything.

SH

[Never-In-Doubt]

Re: btcc_racer Diary

Here --> Harassment Threat of Doorstep-Visit - allaboutDEBT UK

[btcc_racer]

Re: btcc_racer Diary

cheers for the input, shall i send them the letter?

ive had no one turn up touch wood! Also just to add its not even my house its my dads house.....is that better or worse?

[jon1965]

Re: btcc_racer Diary

It's worth sending the letter using free proof of posting and keeping a copy. Whoever it is may write back with some bull such as we are only trying to help or the law doesn't apply to us. Don't believe a word.