CAPS ESC UE Diary

[Pixie]

Re: CAPS ESC UE Diary

You can either ignore or send them a one liner saying that you have already requested a cca from Mint to which you responded on XX/03/2013.

[CAPS ESC]

Re: CAPS ESC UE Diary

Thanks pix

It was the following phrasing that befuddled me. It looks like it is worded to prepare the way for litigation in a subtle way, but they don't really want me to contact them.
(or just my paranoia again and it is just a standard letter)

"We will place your account on hold for 7 days, in which time you MUST contact us to advise us that the
request has been made so that we can hold your account until your request has been dealt with by our
client. Failure to do so may result in us recommending to our client that legal action is taken against
you which could add legal costs to your debt and may be detrimental to your creditworthiness"

[Enforcer]

Re: CAPS ESC UE Diary

The important word is MAY. Unlikely, they are just trying to get you to phone them. Ignore.

[CAPS ESC]

Re: CAPS ESC UE Diary

Thanx Enforcer

I will gladly ignore and wait for their next concoction.

[Pixie]

Re: CAPS ESC UE Diary

I agree with enforcer - always look for the word 'may'

[CAPS ESC]

Re: CAPS ESC UE Diary

MINT(RBS)
Date commenced 1998
Approx balance £8,500
was on arrangement, not payed for 6 months
Status DEFAULT since 2007
Account owner - still with RBS

I received account passed to Regal Credit dated Feb'2013

I sent CCA request Feb'

I received a 'contact us' letter from Regal dated Feb'

I sent 'In dispute' dated March

I received cca copies from mint dated February
CCA has been emailed to Niddy niddy says BLAG IT
I received a 'contact us' letter from Regal dated March'

I re-sent 'in dispute' template March
I sent missing PTs template to mint March

I received a 'phone us or we send in field agents' letter from Regal dated Apr
I received a 'we have complied' letter from MINT dated Apr
I received 2 letters from Regal dated April
I recieved doorstep threat from SCOTCALL dated May

1st contact from scotcall, attached.

do I

a. ignore,
b. send- sold in dispute, or
c. send- doostep threat?

[Deepie]

Re: CAPS ESC UE Diary

1st contact from scotcall, attached.

do I

a. ignore,
b. send- sold in dispute, or
c. send- doostep threat?

Send b and c......I Would

[CAPS ESC]

Re: CAPS ESC UE Diary

MINT(RBS)
Date commenced 1998
Approx balance £8,500
was on arrangement, not payed for 6 months
Status DEFAULT since 2007
Account owner - still with RBS

I received account passed to Regal Credit dated Feb'2013

I sent CCA request Feb'

I received a 'contact us' letter from Regal dated Feb'

I sent 'In dispute' dated March

I received cca copies from mint dated February
CCA has been emailed to Niddy niddy says BLAG IT
I received a 'contact us' letter from Regal dated March'

I re-sent 'in dispute' template March
I sent missing PTs template to mint March

I received a 'phone us or we send in field agents' letter from Regal dated Apr
I received a 'we have complied' letter from MINT dated Apr
I received 2 letters from Regal dated April
I recieved doorstep threat from SCOTCALL dated May

Just before i reply to scotcall, i noticed that i had not replied to MiNT's letter saying that they had complied.

Looking at it I just haven't got a clue what to send them.
Could somebody suggest something please.

letter attached.

[Deepie]

Re: CAPS ESC UE Diary

Just before i reply to scotcall, i noticed that i had not replied to MiNT's letter saying that they had complied.

Looking at it I just haven't got a clue what to send them.
Could somebody suggest something please.

letter attached.

If it were me I'd just see what they do next.....

[Enforcer]

Re: CAPS ESC UE Diary

The problem with this type of response is that the agreement may be "executed" ie your signature, but it may be "improperly executed" ie no signature from creditor. The letter they sent is pretty vague.

With a recon, you have no way of knowing.

Try SAR see what that turns up. Best £10.00 I spent. Got a photocopy of my "improperly executed" agreement.

[CAPS ESC]

Re: CAPS ESC UE Diary

Thanks for the reply

I've been told to blag this one because everything looks in order,
I was thinking of using SAR when(if) the time came to negotiate payment and I wanted any charges removed (although I don't think there were any with this one)

I just need something to dispute with them to keep the DCs distracted. I can't see SAR producing anything other than irresponsible lending.

[CAPS ESC]

Re: CAPS ESC UE Diary

BOS Preference account

Date commenced Feb 1998

Approx balance £2,200

Date last paid 2011

was on arrangement, not paying now

Status DEFAULT

Account owner - still with BOS, but Wescott are now acting for them

Aug2013 I sent CCA request

Oct '13 CCA received, (no statement included, or received for over 2 years)

Oct '13 Introduction from 'wet-lott' received

CCA emailed to Niddy and uploaded in secure docs section

[CAPS ESC]

Re: CAPS ESC UE Diary

This is the largest debt out of 14 for the wife and me.
We were with Payplan until 2010, then Kensington DMC until October 2012, have not paid anyone since (except kensington - to make excuses for us)


Halifax Credit Card

Date commenced May 1996

Approx balance £15,700

Date last paid 2007

was on arrangement, not payed for 4 months

Status DEFAULT

Account owner - still with Halifax, but Nelson Guest & Partners on behalf of Wescott acting for Halifax have also contacted me Dec'2012
as from Dec 2013 owned by Merlin Euro.

Dec'12 I sent CCA request

Jan'13 I received T&Cs : niddy says not

Jan I sent 'Terms & Conditions Received' template

Jan I received credit card application copy (they posted this before they received T&C template)

CCA has been emailed to Niddy

Feb' I received PPI claimback application (in response to my complaint)???? I will ignore for now.

Feb' I sent 'Missing PT' template,

Feb' I received PPI claimback response( even tho i made no such claim) it says "no ppi with this card"

March I received from Halifax cc 'transfer notice' to moocroft.

March I received from Moorcroft 'contact us in 7 days or else'

Mar' I re-sent 'Missing PT' template to HALIFAX

Mar' I sent 'IN DISPUTE' template to Moorcroft

April I received from Moorcroft 'DISCOUNT OFFER'
April I received from Moorcroft 'asking halifax about the DISPUTE'
July I received from moorcroft ' Halifax have fully responded (and refer to a letter from Halifax in March that I never received) = debt still owed.
July I received from moorcroft ' to prevent possible further debt recovery action-etc.
Dec'2013 account sold to Merlin please contact within 5 days.

I can be added to the dreaded Merlin list now.
original cca request gave me an actual copy of page1 original application (drat)
so I presume another request will get me the same.
Question -do we blag UE with Merlin?
so will it be a new cca request or will it be ASID when they next contact me.

[MrsD]

Re: CAPS ESC UE Diary

I'd send off another CCA to them just to make them aware you;re not going to role over, they prefer the roling over type of customer.

[CAPS ESC]

Re: CAPS ESC UE Diary

Thanks MrsD

I'll print it tonight