Spud's UE Diary

[Spud]

Re: Spud's UE Diary

Barclaycard Mastercard

Start: Pre 2006 – Will update
Balance: £7800 ( Sept 2012 - No contact/Statements since)
Last Full Payment: Nov 2011
Present: £1.00 Month Token payment
Status: Defaulted. Still in House? Capquest last heard

2012

Jan 20th
Change of Circumstances letter sent
Feb 8th
Letter received agreeing to token Payments
Feb 22nd
Further contact letter sent – Thankyou for Token payments ect
April 8th
Mercers - Default notice Received
April 10th
Mercers – Immediate action needed – Threat of Doorstep Collector
April 18th
Resolvecall Introduction letter
April 21st
Reply to Resolvecall – Prove it letter
April 27th
Mercers – 48 hours notice of doorstep collector
May 4th
Resolvecall – No longer dealing with account
June 6th
Mercers - £1.00 Token payment offer letter
August 8th
Phonecall asking to confirm address – We’ve got a parcel to deliver - Capquest
August 9th
Capquest – Doorstep visit threat o gram letter
August 24th
Capquest – Letter before action letter threatening Bailiffs ect
Sept 8th
Capquest – Letter confirming no interest or fees added to account
NO DATE ON LETTER
HL Legal – Court proceedings May be taken letter
Sept 23rd
Capquest – Apparent we need to start litigation/ Reduced offer letter

[Spud]

Re: Spud's UE Diary

MBNA Credit Card

Start: Jan 2002
Balance: £2708
Last Full Payment: Nov 2011
Present: £1.00 Month Token payment
Status: Defaulted, Internal DCA merry-go-round

2012

Jan 20th
Change of circumstances letter sent
Jan 24th
Over credit limit letter received
Feb 8th
Reminder – Payment not received
Feb 8th
Account restricted letter
Feb 22nd
Arrears notice received
March 8th
Arrears letter received
March 21st
CCA Request Letter sent
March 27th
Most recent terms and conditions received…..
March 30th
Payment due immediately letter
April 3rd
CCA Reply received
April 4th
Missed payments letter received
April 13th
Account restricted letter
April 24th
Notice of sums in arrears
May 10th
Imminent termination of agreement letter
June 1st
Account restricted letter
June 7th
Default notice received
June 23rd
Notice of sums in arrears
July 27th
Call us letter
August 15th
Account terminated letter
Sept 13th
Acknowledge my complaint – I hadn’t made a complaint – Just a strong letter!
Sept 21st
Still investigating complaint letter received

2013

Feb 6th
CCA sent to Niddy - Niddy says

[Spud]

Re: Spud's UE Diary

Halifax Credit Card

Start: June 2001
Balance: £11283
Last Full Payment: Nov 2011
Present: £1.00 Month Token payment
Status: Defaulted, Internal DCA merry-go-round

2012

Jan 05th
Missed payment letter received
Jan 16th
Missed payment letter received
Jan 18th
Missed payment letter received
Jan 20th
Change of circumstances letter sent
Feb2nd
Letter detailing last 2 missed payments
Feb 2nd
Missed payments letter received
Feb 9th
Response to my change of circumstances letter
Feb 9th
Another response to the above letter !!!
Feb 9th
Yet another response to the above same letter !!!!!!
Feb 9th
You wont believe this… Yes yet another response to the above letter !!!!!!!
Feb 14th
Default Notice received
Feb 28th
Termination notice received
March 9th
Income & Expenditure request letter
March 15th
Albion Collections – Welcome letter
April 2nd
Albion Collections – Call us letter – Still not paid
April 3rd
Letter detailing the two last missed payments
April 12th
Albion Collections – Pay now or further action letter
April 19th
CCA Request letter sent
April 20th
Albion Collections – Income & Expenditure required letter
April 23rd
Albion Collections – Pay now before action letter
April 24th
Halifax acknowledgement of CCA request letter
May 2nd
Albion Collections – Threat of doorstep collector letter received
May 11th
CCA Received
May 14th
Albion Collections – Threat of doorstep collector letter received
May 18th
Formal Complaint – Harassment by telephone and doorstep collector
June 2nd
Letter detailing last two missed payments
July 4th
Formal complaint – Continued harassment after previous complaint
July 10th
Blair Oliver and Scott – Introduction letter
July 23rd
Blair Oliver and Scott – Threat of Doorstep Collectors letter
August 14th
Blair Oliver and Scott – Door step Collector threat o Gram
August 31st
Blair Oliver and Scott – Phone us letter
Sept 18th
Blair Oliver and Scott – Phone us letter
Oct 8th
Blair Oliver and Scott – Phone us – Doorstep Collector threat o Gram
Oct 9th
Blair Oliver and Scott - £1 pcm Token payment is acceptable

2013

Feb 6th
CCA sent to Niddy - Niddy says

[Never-In-Doubt]

Re: Spud's UE Diary

[Spud]

Re: Spud's UE Diary

Ahmmm

Sorry

Not got that far yet

[Never-In-Doubt]

Re: Spud's UE Diary

I sent 6 email replies explaining each main fault.

[Spud]

Re: Spud's UE Diary

Niddy

Thankyou... I did'nt think that would be the case as some of the CCA's/Terms looked pretty good ( Based upon my Research) - Unless they are the ones let down by the Default notices...

I do appreciate all your help. More than a simple spud like me can say with words!

I dont feel good that I've just sent you 6 odd CCA's - I will leave you alone for a bit now.... Honest

Could I ask...As and when you get chance - and there is no hurry ( I've taken enough of your time)

Could you give the brief details where each fails and which ones can be remedied. I have been researching the Default Notices and will be looking more closely at each of these in the coming weeks.

I would like to get a clear understanding of each and I know others here are watching this post with regard to their own accounts ect. Once I can see where each falls down - I can then ensure that I have a good Grasp of the concept and hopefully help others.

Just think it could be helpful for all.

And yes... While I am there... I'll have jam and cream on it

:niddy = True Legend

[Never-In-Doubt]

Re: Spud's UE Diary

Thanks all

Will get the CCA's ect off to Niddy today

Will update you all when I know more

Just spam my inbox mate. It's fine

[Never-In-Doubt]

Re: Spud's UE Diary

Pretty much clean sweep!!

All 6 appear UE but 2 can be remedied (supplying terms) whilst 2 have bad DN's.

So good result(s) right now

[nanna58]

Re: Spud's UE Diary

good luck spud , we all know how you feel at the moment but honest it does get easier xxx

[IF]

Re: Spud's UE Diary

Thanks both

I will take a look at your UE diary and get back to you when I hear anything form Niddy.

Fingers crossed

I have my fingers crossed for you too Spud

[Spud]

Re: Spud's UE Diary

Thanks both

I will take a look at your UE diary and get back to you when I hear anything form Niddy.

Fingers crossed

[SA Gold]

Re: Spud's UE Diary

Hi Spud.
Just wanted to say good luck on your journey mate. This forum really is the real deal for people like us.

[Spud]

Re: Spud's UE Diary

Thanks all

Will get the CCA's ect off to Niddy today

Will update you all when I know more

[helmsman]

Re: Spud's UE Diary

Been making token payments to the Lloyds Account £1.00 per month

They insist on sending me letters that threaten that they "May/Could/ Dream about doing this and that" They never do... But I'm sure they will one day

CCA reply was initially total recon with dodgy details. Then they found a copy of the application form with some terms that bear resemblance to the application. Could be good this one

CCA to be sent to Niddy for Checking over next few days

Hi Spud,
After 2 years Lloyds finally sent a good recon to me(bastards) but hey ho Ive sent off acc sold so still intend to blag unless they get heavy. Hope you have better luck.