Spud's UE Diary

[Spud]

Re: Spud's UE Diary

NatWest Credit Card


Start: Feb 2002
Balance: £ 4200
Present Situation: Not making payments
Status: Default, Terminated, DCA Merry go Round

2011

Dec 19th
Default Sum notice received – Late Payment/Over limit

2012

Jan 19th
Letter received asking for account to be credited with missing payment
Jan 19th
Default sum notice letter received
Jan 20th
Letter sent to NatWest advising of financial hardship and asking to consider token payments
Feb 10th
Request for financial Statement - Sent
Feb 20th
Letter detailing two missed payments
Feb 22nd
Letter sent to NatWest asking for a couple of weeks “Breathing space” to come back to them with a repayment offer
March 23rd
Reply to my above letter – Need complete financial statement – Sent again!!
March 21st
CCA Request Sent
April 5th
Token Payment letter sent with Payment – Contact only Via letter ect
April 16th
No CCA Received to date – Reminder letter sent
April 17th
Reply to my CCA request – Requesting Signatures ( They kept my £1 P/O)
April 19th
Letter received detailing two last payments
April 19th
Letter sent – No signature required ect – Asked them to comply with request as they still had my payment
April 23rd
Request to complete financial statement again
April 26th
Reply to my letter – They state No £1.00 enclosed !!!!! ( As they kept it) and signature required!
May 2nd
Letter sent advising that I have made two Requests for CCA – They kept my fee ect – A formal complaint will be raised if they fail to comply.
May 17th
Account in Dispute letter sent
June 2nd
CCA Reply – Copy of CCA/Terms ect ........ Niddy says
June 18th
Letter received detailing last two missed payments
June 19th
Letter asking to freeze interest and token payment
June 30th
Another CCA received – Copy of CCA/Terms ect
July 16th
Letter received stating they had not received Financial information/S.O.A.
July 18th
Formal complaint made – Not complying with CCA request/ Asking for details I had sent/Refusal to reduce interest ect
July 26th
Response to my Formal Complaint – Skirting around the issues and not answering my complaint – They cannot agree with the complaint!
Aug 2nd
Reply to my letter 18th July – Will not stop interest ect
Aug 19th
Letter detailing last two payments ect
Aug 20th
Letter contact by letter only plus token payment
Sept 6th
Default Notice Received
Sept 14th
Letter – We are investigating your complaint
Sept 19th
Default Sum notice Received
Sept 20th
Letter – Contact by letter/Freeze interest and token payment
Sept 28th
Account Termination Notice Received
Oct 22nd
Token Payment letter Sent
Oct 25th
Letter – Call us with income details
Nov 17th
Token payment letter sent
Nov 19th
Letter – Not prepared to accept token payments
Dec 18th
Token payment letter sent

2013
Jan 3rd
Letter – Not prepared to accept token payments – Being passed to “our” Debt recovery Department and will “Default” account
Jan 24th
Letter – Please complete a financial statement and an offer of repayment
March 13th
You have failed to comply with our agreement/ Threat External collectors ect
March 20th
Complaint letter – There is not a payment agreement in place ect
March 30th
Sorry we should not have sent that letter ect
May 11th
You have failed to comply with our agreement/Threat External collectors ect
May 13th
Formal complaint – Sent the same letter again that you agree should not be sent
May 25th
Sorry you have a complaint letter – We will investigate
June 7th
It is standard practice to send out these letters ect
June 18th
Triton Credit Services - "Payment Demand"
June 20th
Reply to letter received from June 7th
June 28th
We are investigating your complaint
July 1st
Triton - Urgent action Required
July 2nd
Reply to Triton - Ammended "prove it" letter
July 4th
Reply to complaint - We are only trying to assist you !!!
July 12th
Triton - We have recommended Natwest instruct Solicitors/ threat letter
July 25th
Natwest letter - We have sent a CCA - We regard this as enforceable blah blah blah
Aug 23rd
Green and Co - Last oppertunity to pay or it is likely we will be instructed to take further action
Aug 28th
Letter to Green and Co - This account is in dispute and no cca letter sent
Aug 31st
Green and Co - Dont reply to us - Reply to Triton ( Letter head for rent)
Sept 17th
Natwest - Thankyou for your complaint - We are investigating
Sept 19th
Natwest - Account allocated to Allied
Sept 23rd
Natwest - We are still looking into your comlaint
October 4th
Allied introduction letter received
October 10th
Natwest - We are sorry we let you down - We will send a cheque for £30 to say sorry - They never did!
Nov 15th
Allied - Contact us to discuss the account
Nov 16th
Letter to Allied - Prove it letter sent
Nov 23rd
Letter from Allied - We will contact Natwest for clarification

[Spud]

Re: Spud's UE Diary

Lloyds Tsb Account - Overdraft

Start: 1997 ish
Balance: £ 4,000
Last Full Payment: Nov 2011
Present: Not making payments
Status: Defaulted, Debt collectors merrygo-round

2012

Jan 13th
You are now into an unplanned overdraft letter
Jan 20th
Change in circumstances letter sent
Feb 13th
I & E form for me to complete
Feb 15th
Thankyou for making us aware of your circumstances letter
Feb 22nd
Token payment letter sent
April 2nd
Please pay your unplanned overdraft in full within 2 days – 2 days notice??
April 5th
Please freeze interest and token payment sent
April 20th
Income and expenditure sheet for me to complete – Again
May 3rd
Apex – Welcome letter
May 17th
Contact only in writing letter sent to Lloyds
May 17th
HL Solicitors “Notice of Pending legal action” letter
May 18th
Formal Complaint – Harassment by Telephone
June 7th
We have profiled the account so you need to pay up letter
June 15th
Apex – We strongly recommend that you contact us letter
June 19th
Token payment letter sent – Please freeze interest
June 24th
We may pass this account to a “field agent”…..
July 4th
Formal complaint – Continued harassment by telephone
July 4th
H L Solicitors – Notice of pending legal action letter received
July 10th
Reply to my complaint – Very sorry - £75 Compensation
July 18th
Please freeze interest letter and token payment sent
August 20th
Contact only by letter and token payment sent
August 28th
Apex – Reduced settlement offer….Upto 20% discount
Sept 7th
We profile your account – So pay up letter X3
Sept 20th
Contact only by letter and token payment sent
Oct 9th
We profile our accounts – So pay up letter
Oct 22nd
Contact only by letter and token payment sent
Oct 22nd
H L Solicitors – Notice of pending Legal Action letter received….Again!!!
Nov 17th
Please freeze interest and token payments sent
Nov 23rd
Apex – To accept token payments we will need a new I & E form ect x 2 !!!
Dec 18th
Token payment sent

2013

Jan 21st
Token payment sent
Feb 11th
1st overdraft CCA letter sent
June 19th
Annual statement of account
July 1st
Account allocated to Moorcroft
July 6th
Moorcroft introduction letter
July 11th
Moorcroft – Possible further action letter
July 25th
Moorcroft - Monthly installment offer
August 12th
Midas Credit Services -As part of Moorcroft - Passed to Midas to recover
August 28th
Moorcroft - Home Collections Division no less - Discount Offer
Sept 2nd
Letter to Moorcroft - No CCA received and Telephone Harassment letter
Sept 5th
Home Visit by a genuine Doorstep Collector from Moorcroft - But I was not in and did'nt have a doorstep anyway !!
Oct 7th
Complaint to Moorcroft - No proof of liability received and Breach of OFT Regs - Home Visit
Oct 14th
Moorcroft - Complaint passed back to Lloyds TSB
Nov 18th
Letter from Lloyds TSB - Account assigned to Wescot
Nov 22nd
Wescot "Big Red" Introduction letter received
Nov 25th
Letter to Wescot - Sold in dispute and telephone harassment letter sent

[Spud]

Re: Spud's UE Diary

Lloyds Tsb Credit Card

Start: Nov 1997
Balance: £12000
Last Full Payment: Nov 2011
Present: Not making payments
Status: Defaulted, Firmly on the Debt collectors merrygo-round

2012

Jan 20th
Change in circumstances letter sent – token Payments
Jan 31st
Arrears letter received
Feb 22nd
Please freeze interest and token payment sent
Feb 29th
Arrears letter received
March 19th
Confirmation of circumstances letter received
March 21st
CCA request letter sent
March 23rd – Received 27th
Default Notice issued – Not enough time to rectify
March 28th
CCA reply received – Total recon with wrong address for period ect
April 2nd
Missing prescribed terms letter sent
April 5th
Please freeze interest and token payment sent
April 23rd
MHA Collections – Cannot accept your token payments ect
April 25th
SCM Solicitors – Pay within 14 days or Court proceedings Threat ‘O’ Gram
May 17th
Contact only in writing and token payment sent
May 18th
Formal Complaint – Harassment by Telephone
May 29th
SCM Solicitors – Pay arrears or court Threat ‘o’ Gram
May 30th
Formal complaint Acknowledgement letter
June 19th
MHA Collections – Reduced payment offer - £309 P.C.M – Yeah right!
June 19th
Please freeze interest and token payment sent
June 27th
MHA Collections Income/Expenditure request – Cannot accept token payments
July 5th
Copy of application form received with some terms
July 18th
Please freeze interest letter and token payment sent
July 27th
BLS Collections – Introduction & threat of home visit letter
August 17th
BLS – Contact us – possibility of repaying on reduced payments
August 20th
Please freeze interest/Contact by phone and token payment sent
August 28th
BLS – Essential that I phone BLS today….. I did’nt !!!!
Sept 11th
BLS – A “personal visit may be required” letter
Sept 20th
Contact only by letter and token payment sent
Sept 26th
BLS – Contact us within 14 days or force us to commence legal action…
Oct 22nd
SCM Solicitors – Pay balance within 7 days to avoid court proceedings
Oct 22nd
Contact by letter only and token payment sent
Nov 17th
Please freeze interest and token payment sent
Nov 23rd
SCM Solicitors – Cannot accept token payments letter
Dec 18th
Token payment sent


2013

Jan 8th
SCM Solicitors – Tried to contact me without success – Would I give them a call? Letter
Jan 21st
Token payment sent
Feb 6th
CCA Emailed to Niddy - Niddy says
Feb 21st
SCM – Unable to accept token payments letter
April 25th
Your account has been allocated to Wescot – Very poor quality letter - Suspicious
May 3rd
Wescot Hello letter
May 12th
Wescot – Final Notice letter
May 13th
Letter to Lloyds checking April 25th letter was genuine
May 22nd
Wescot - Reduced settlememt offer - Call us to see
June 8th
This debt will not go away letter
June 19th
Threat of doorstep recovery letter
June 25th
Modified "prove it letter sent" to Wescot
June 25th
Formal complaint to Lloyds - Harassment by telephone
June 29th
Wescot - We acknowledge that you have raised a dispute letter
July 9th
Wescot - Our client ( Lloyds Tsb) have advised that given the age of the account a copy agreement is not available letter, PS still pay us!!!!
July 23rd
Reply from Lloyds TSB regarding complaint - We will remove Telephone numbers
Sept 9th
Lloyds Tsb letter - Account assigned to Moorcroft for collection
Sept 11th
Moorcroft introduction letter
Sept 23rd
Moorcroft possible further action letter
Sept 30th
Prove it / Telephone harassment/ No CCA letter sent to Moorcroft
October 4th
Moorcroft letter - We have been instructed to collect - Know of no reason for non payment letter
October 7th
Telephone harassment letter sent to Moorcroft
October 13th
Moorcroft letter - Contacting Lloyds Tsb regarding your quiry - No CCA received
November 9th
Letter from Lloyds Bank - Thankyou for your complaint - Please give us a call ( No account number on letter ect)
November 14th
Letter to Lloyds Bank - No telephone calls and which account does this refer to ect
November 15th
Please contact us so we can discuss your complaint ( Crossed in post)
November 26th
Received another CCA from a Card upgrade and half a rainforest of old statements from Lloyds - This is missing prescribed terms and terms and conditions do not match ect - Niddy confirmed still 100%

[Spud]

Re: Spud's UE Diary

It's great when your diary ends up on later pages because it means no-one's hassling you

Thanks all, Yes its certainly "tailed off" I just get the odd letter here and there......Quick template letter or one liner and it all drops off again !!!

[Pixie]

Re: Spud's UE Diary

It's great when your diary ends up on later pages because it means no-one's hassling you

[MrsD]

Re: Spud's UE Diary

in this game Spud, no news is good news

hope it stays that way for you

[Spud]

Re: Spud's UE Diary

Nothing new to report really....Just locating my diary as I have promised myself to finally update it properly and then intend to keep it that way

1 account per day - Thats the plan

Just found my diary on about page 5

[Spud]

Re: Spud's UE Diary

Thanks Enforcer

If it was just a signature they were after I would just use the AAD strip

I think I might write them a letter explaining that they have been sending me documents to this address for several years ect

Then state that I will either produce these documents for inspection at a local branch or just send photocopies with sensitive information "blacked out" such as driver number ect that could be used to identify or trace me in the future ect.

[Enforcer]

Re: Spud's UE Diary

If you have written to them from the same address that they have sent statements to, then there should not be a problem. However, Crap one, did the same to me, in the end I just signed it with my usual signature. They did not accept that either, resent with a different signature, accepted! Don't know why? However docs they sent were UE. Eventually after lots of chasing, by them, umpteen phone calls, by them, got a letter admitting that my debt was still due, but they couldn't enforce it. Shame! Usual tactics!

[Spud]

Re: Spud's UE Diary

Sorry Spud...haven't had any dealings either with Natwest or with SARs.

No problems Pixie....I appreciate you looking in, Thankyou

[Pixie]

Re: Spud's UE Diary

Sorry Spud...haven't had any dealings either with Natwest or with SARs.

[Spud]

Re: Spud's UE Diary

A bit of advice is required regarding my recent NatWest SAR request

I sent off the Advanced SAR request about 2 weeks ago ( Will be updating diary shortly !!!)

Just had a letter back stating that the signature doesn’t match the one they have on file ( Because I signed digitally plus they are obviously buying some time !!!)

It also states that they cannot find a record of this account despite me putting the correct account number at the top of the letter ( As we always so). Now this I can sort by resending the account number ect and making it ever so clear for them because they obviously cannot read !

Now I am a little concerned that NatWest may be using this as an attempt to gain some sneaky information about me

NatWest state that I must send them a photocopy of 2 items ( From a list) to provide proof of address and proof of identity. ( Now a photocopy is not really going to prove things conclusively really I mean…. Like I couldn’t forge a photocopy….Not worth the paper it is printed on )

One of these items is easy ( Proof of address) because I can send them some of their very own statements from the last few months. However the other example must be one of the following ( Current full driving license, Current passport, EU national ID card, Armed forces card, Police warrant card)

Now the only one of those that I hold is a driving license but for obvious reasons I don’t want to send them a photocopy of that because it could contain information used to trace me ect ( Drivers number ect)

What would happen if I didn’t drive?

I obviously will be writing back but I need some advise from those who have experienced Natwest's "Standard delay tactics"......They did the same with my CCA request until I sent Niddys template letter. I guess the reply will be along the same lines but just wondering how others have got around this before I start typing out a letter.

Others must have come across this from NatWest

I would be happy to produce those documents ( and more) in a branch but not for photocopies or Driver number ect to be taken

If they were just asking for a signature, I could send the AAD Signature strip but they do not want a signature, Only the information requested that for obvious reasons I don’t really want to send ( Unless I have to)

[vint1954]

Re: Spud's UE Diary

Check the template out spud, LBA.

You will find them here http://www.all-about-debt.co.uk/inde...5-legal-threat but contact Paul first

[Spud]

Re: Spud's UE Diary

^^^^ Is there a bit missing from February 6th in this diary post? Did Niddy say your CCA was or

Also I can't see any letters sent to Halifax or Blair Oliver Scott which challenged their CCA response which you received in May 2012. If you haven't told them that you don't accept they've complied with your s.78 CCA Request how will they know because they're not psychic. Could this be why things are escalating Maybe you've sent some template letters but not updated your diary to reflect this, so my apologies for sounding rude if you have Perhaps there was something relevant in "Paul's letter" sent on 10th August that you haven't told us about?


EDIT: read back through diary and can see Niddy said your CCA is UE

Guys (And Girls) Sorry, Yes I have not really fully updated my diary and of course missed off that it was UE - Schoolboy error ( Rushing..... and when I cut and paste the UE smiley didn't transfer through !!)

I have sent the missing P/t's template - Twice I think, I will get the folder out and bring the diary bang up to date ect ( I always forget to update my diary - Must improve on that!)

I will get a response put together and try to contact Paul for further advice

Thanks all - One day I will get myself finally organised

[vint1954]

Re: Spud's UE Diary

If it is a letter before action Spud, then as you say contact Paul. You need to respond to this.