Spud's UE Diary

[Oct Revolution]

Re: Spud's UE Diary

Great news!

[cardiac arrest]

Re: Spud's UE Diary

remind me never to play cards against you !!

great news Spud..well done

[cardiac arrest]

Re: Spud's UE Diary

you've not mentioned the Gnatpest account for a long while Spud ?

[Spud]

Re: Spud's UE Diary

you've not mentioned the Gnatpest account for a long while Spud ?

There is a good solid reason behind that......Not heard a sausage for ages now.....Probably something to do with them not being able to supply the right docs in response to my s78 request years ago

[Spud]

Re: Spud's UE Diary

Barclaycard Mastercard

Start: 2001
Balance:£8000
LastFull Payment:Nov2011
Present:Not making Payments– last Feb 2013
Status:Defaulted. Sold toMKDP/Hoist/Robinson Way

2012

Jan20th
Changeof Circumstances letter sent
Feb8th
Letterreceived agreeing to token Payments
Feb22nd
Furthercontact letter sent – Thankyou for Token payments ect
April8th
Mercers- Default notice Received
April10th
Mercers– Immediate action needed – Threat of Doorstep Collector
April18th
ResolvecallIntroduction letter
April21st
Replyto Resolvecall – Prove it letter
April27th
Mercers– 48 hours notice of doorstep collector
May4th
Resolvecall– No longer dealing with account
June6th
Mercers- £1.00 Token payment offer letter
August8th
Phonecallasking to confirm address – We’ve got a parcel to deliver -Capquest
August9th
Capquest– Doorstep visit threat o gram letter
August24th
Capquest– Letter before action letter threatening Bailiffs ect
Sept8th
Capquest– Letter confirming no interest or fees added to account
NODATE ON LETTER
HLLegal – Court proceedings May be taken letter
Sept23rd
Capquest– Apparent we need to start litigation/ Reduced offer letter

2013Feb11th
CCA request sent to Barclays
Feb7th
Capquest - Please contact us letter received
Feb20th
Capquest - Falsely claim that I had acknowledged to pay £1PCM - I did not
Feb 24th
Barclaycard - CCA (Recon Received)Niddy says U/E
March 8th
Barclaycard - Have sent a copy oforiginal Application - Totally U/E
Aug 21st
Barclaycard -Account passed to APEX for collection
Aug 28th
APEX Welcomeletter received
Sept2nd
Prove it letter sent to APEX
Sept7th
Apex - Explination letter received
Sept 30th
Apex -Please contact us letter
Nov 18th
Apex - Please contact usletter
Nov25th
Sold in dispute letter sent to APEX
Nov29th
Thank you for your letter dated 25th Nov - If you want a copyof your CCA send £1 payment ??????
Dec 7th
Letter from Apex -Our enquiries show that you are resident at this address - They onlyhad to ask !!!

2014

Jan4th
Letter from Apex - We are authorised to concider a discountedsettlement - Contact us
Feb10th
Letter to Apex - This account is in dispute letter sent
Feb26th
Letter from Barclaycard and MKDP ( Sent together from MKDP) -This account has been sold to MKDP LLP - You need to contact us torepay this debt
Mar7^th
Letterfrom MKRR – We have not received your offer of Repayment
Mar10^th
Letterto MKRR – Prove it letter
Mar16th
Letterfrom MKDP – Informing me that they are the new owners of theaccount
Mar22^nd
Letterfrom MKRR – We have not received your offer or Repayment
Mar24^th
Letterto MKDP – Harassment issues and not convinced by your letter ofassignment which was a poor photocopy – I am concerned it may befraudulent
Mar26^th
Letterto MKDP – CCA request sent
Mar27^th
Letterto MKDP – Official complaint – Harassment/ 2 x DCA's chasing thesame account ect
April9^th
Letterfrom MKDP – Unable to fulfil CCA request at this time
May13^th
Letterfrom Barclaycard – What they claim to be a CCA reply – Blankpaper with an incorrect address and “right to cancel box” –Thats it!
May15^th
Letterfrom MKDP – Barclaycard should have sent you a copy of the noticeof assignment – Also sent me some old statements?
May20th
Letterto MKDP – Account sold in dispute
May21^st
Letterfrom MKDP – Unable to fulfil CCA request at this time
June18^th
Letterfrom MKDP – Unable to fulfil CCA request at thus time
July24^th
Letterfrom MKDP – Unable to fulfil CCA request at this time
Aug26^th
Letterfrom MKDP – Unable to fulfil CCA request at this time
October2^nd
Letterfrom MKDP – Unable to fulfil CCA request at this time
Nov4^th
Letterfrom MKDP – Unable to fulfil CCA request at this time
Dec13^th
Letterfrom MKDP – Unable to fulfil CCA request at this time


2015


Jan19^th
Letterfrom MKDP – Unable to fulfil CCA request at this time
Feb23^rd
Annualstatement of account from MKDP
Feb26^th
Letterfrom MKDP – Unable to fulfil CCA request at this time
Apr2^nd
Letterfrom MKDP – Unable to fulfil CCA request at this time
Apr7^th
Letterfrom MKDP – Reply to my CCA request – Right to cancel box on anA4 sheet and illegible terms and some old statements
Apr13^th
Letterto MKDP – Not complied with my CCA request, Illegible documentsreceived
Apr23rd
Letterfrom MKRR – We have not received your offer of repayment despiteour offer of help – What help?
May6^th
Letterto MKRR – Querying the content of their letter where they statethat they have offered me help to clear the balance.
May14^th
Letterfrom MKRR – Final Notice – You have not taken up our offer ofhelp ???????
May15^th
Letterfrom MKDP – Send a copy of a letter from a year ago whichapparently offers me help ????
May15^th
Letterto MKRR – I note your threat of litigation in your final noticehowever CCA request has not been satisfied
May23^rd
Letterfrom MKDP – Response to my recent letters, We are of the opinionthat we have complied with the CCA request and you are liable for theoutstanding balance – Copy docs enclosed
May29^th
Letterfrom MKRR – We have not received your offer of Repayment – Wehave no option other than to instruct Keynes Collections.....Ablatant lie as they were well aware CCA not complied with ect
May31^st
Letterto MKRR – Pointing out their blatant lie, They have not addressedany of the points that I have raised with them. Failure to satisfyCCA request, Not allowing any time to meet their impossible 7 daydeadlines due to delays in postage not giving opportunity to respond,harassment and feelings of distress ect ect
June4^th
Letterfrom MKDP – Notice of intended legal action – Reply within 14days
June5^th
Letterto MKDP – CCA request sent
June5^th
Letterto Barclaycard – SAR Request sent
June8^th
Letterfrom MKDP – It is our position that we have complied with your CCArequest
June10^th
Letterto MKDP – You have not supplied sufficient documentation to enableme to assess my liability – Not complied with CCA request.
June13^th
Letterfrom MKDP – CCA reply – Exactly the same as before – Incomplete& Illegible
June17^th
Letterfrom MKDP – We are not able to fulfil your request for information??????
July25^th
Letterfrom MKDP – We are not able to fulfil your request for information….
August27^th
Letterfrom MKDP - We are currently unable to provide a legible copy of thecredit agreement. We accept that we are therefore prevented fromenforcing the agreement with you while this state of affairscontinues
Oct10^th
Letterfrom Hoist Portfolio – Notice of Assignment to Hoist – Whichstates the balance was “Sold”
Oct28^th
Letterfrom Robinson Way – We need to set up a payment plan with you
Nov12th
Letter from Robinson Way – What are you able to pay? We want to work out a payment arrangement with you
Dec3^rd
Letter from Robinson Way – The overdue account remains unpaid – Your account is due to be transferred to Howard Cohen & co if you do not contact us/pay within 10 days
Dec7^th
Letter to Robinson Way – Advising that this account is in dispute with B/Card/MKDP and they have confirmed that it is U/E - Further contact only in writing etc.
Dec21^st
Letter from Robinson Way – We write to confirm that we have noted the dispute/query you have raised – We will stop all collection activity on this account




2016


Jan12^th
Letter from Robinson Way - Further to your recent request for a copy dxagreement – We are unable to obtain this as you must make a formal request in writing – We will waive the £1 fee - That old trick !!!!!!
Jan21^st
Letter from Robinson Way – We acknowledge the recent update you have provided us with regard to your current circunstances – Please send us your payment proposal within 30 days or we may instruct our Solicitors.
Feb1^st
Letter to Robinson Way - Referring to my letter dated Dec 7^th –Account in dispute – Confirmed U/E by MKDP – Unable to assess my liability due to the lack of compliance with CCA request and lack of information.
March5^th
Letter from Howard Cohen Solicitors – Unless acceptable proposals for paying are received within 10 days of the date of this letter, We are instructed to issue proceedings in the County Court with the view to obtaining a CCJ.






Updated Diary Entry for this account

Sorry - No idea why the words are joined together - will sort

[Enforcer]

Re: Spud's UE Diary

I have had a letter from Robbers Way saying our client has no information regarding a FOS complaint, simply wrote back with a copy of my letter to them dated 15th November 2015 when I enclosed ALL details of FOS adjudication in my favour, and e mails between myself & FOS. Told them I will not supply the information again. Up to them now, had everything, and trying it on!

[Spud]

Re: Spud's UE Diary

Sounds very familiar

[Enforcer]

Re: Spud's UE Diary

I have had a letter from Robbers Way saying our client has no information regarding a FOS complaint, simply wrote back with a copy of my letter to them dated 15th November 2015 when I enclosed ALL details of FOS adjudication in my favour, and e mails between myself & FOS. Told them I will not supply the information again. Up to them now, had everything, and trying it on!

Reply from Robinson Way 19/03/2016.
We write further to your correspondence, the contents of which have been noted. Thank you for providing us with the information requested.

Please be advised that as stated by the Financial Ombudsman Service, Barclaycard had complied with your CCA request and provided the documentation that they were able to. The FOS asked Barclaycard to provide you with a legible copy of the agreement which they have done, therefore the debt is still payable.

MKDP LLP have issued a final response to you on 11th September 2014 and again on 14th April 2015.

Please note that you remain liable for the above balance and we now require your affordable offer of payment within the next 14 days. A financial statement has been enclosed to assist you with this.

If we do not hear from you after this time, collection activity will resume.

You really couldn't make this lot up! There client is Hoist Portfolio, they have obviously got access to MKDP data base, same company. The whole FOS case
was won because Barclaycard consistently Refused to comply with my CCA requests in writing, FOS asked them to supply a typed up version of CCA and they could not, nor could they supply FOS with terms and conditions. Robinson Way Customer Contact Manager, obviously read it then turned it into a Fairy Story!

Suggestions on what to do next?

[Spud]

Re: Spud's UE Diary

I have not looked into the details but from what I remember of your case and based upon the fact that you have told them pretty much everything they need to know, Perhaps too much? Realistically what more could you tell them?

You have told them the position and they refuse to acknowledge or accept it.....Why do you think that is? The answer, Because they can. Yes its unlikely to go anywhere, They know that but on paper they still have the option to ignore what you are telling them. I would suggest that by replying in such a way they are hoping that you will write back with complaint and again hoping that you will slip up with the old "I have told you about MY account etc"

There is nothing more to tell them that they do not already know. My advice would be to not reply. You have a strong position and although the standard advice is to lay a paper trail etc, Sometimes it would be foolish to compromise your position

[cardiac arrest]

Re: Spud's UE Diary

Please be advised that as stated by the Financial Ombudsman Service, Barclaycard had complied with your CCA request and provided the documentation that they were able to. The FOS asked Barclaycard to provide you with a legible copy of the agreement which they have done, therefore the debt is still payable.

if this is not the truth I'd be tempted to simply write back and tell them it isn't (if you can prove it), then state you'd be more than happy to prove this before a court - so get on with it..

that might be easy for me to say, but doesn't it just make you mad.

[Enforcer]

Re: Spud's UE Diary

Thanks Spud & Cardiac arrest. I have thought about both of your suggestions. With the cost of them now trying to take this to court @ £410, I think they are hoping that I reply and acknowledge a debt. Otherwise I do not think that they would waste the money on court action with a FOS judgement in my favour. I normally reply to letters from DCA's, but in this instance think I will sit and wait.

[cardiac arrest]

Re: Spud's UE Diary

Thanks Spud & Cardiac arrest. I have thought about both of your suggestions. With the cost of them now trying to take this to court @ £410, I think they are hoping that I reply and acknowledge a debt. Otherwise I do not think that they would waste the money on court action with a FOS judgement in my favour. I normally reply to letters from DCA's, but in this instance think I will sit and wait.

I think that is a sensible decision - they gave you 14 days then will 'resume collection activity'..which probably just means more silly letters.

[Spud]

Re: Spud's UE Diary

then state you'd be more than happy to prove this before a court - so get on with it..

As mad as it makes me feel, These are the games that DCA's play and although they should not, They do time and time again

I agree which what you had said but I am not sure I would want to back myself into a position by saying that....We never take the fight to them

[Enforcer]

Re: Spud's UE Diary

Letter today from Robbers Way,
A Reduction to help you clear your balance. Offered 50% reduction. Don't think so!

[nanna58]

Re: Spud's UE Diary

It's so maddening how they try to get you to ring them and admit an alleged debt "50%" whoopie ....not xxxxx