Spud's UE Diary

[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 !!!

[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

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

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

Tesco Credit Card

Start: July 2000
Balance: £3000
Last Full Payment: Nov 2011
Present: Not making payments
Status: Defaulted. Terminated, DCA Merry go Round

2012

Jan 19th
Default sum notice received
Jan 20th
Change of Circumstances letter sent
Feb 1st
Arrears letter received
Feb 10th
Financial statement request - Sent reply
Feb 18th
Letter received detailing last two payments
Feb 22nd
Contact in letter only and token payment
March 1st
Default notice received
March 22nd
Letter aknowledging my token payments
March 21st
CCA Request letter sent
April 5th
Token payment letter sent
April 16th
CCA reminder letter sent
April 16th
Request for signature for CCA
April 19th
Letter received detailing my last two payments
April 20th
Letter asking for signature ref CCA request – Declined
April 20th
Reply to signature request and reminder letter
April 20th
Termination letter received
April 26th
Letter asking for my signature ref CCA request
May 2nd
Formal complaint - Not replying to my letters - Kept my £1 CCA fee ect
May 17th
Account in dispute letter sent
May 29th
CCA Reply Received - Application form & terms (missing date!)
May 30th
Account in despute letter sent - Cannot read terms sent ect
June 9th
Letter received - Cannot yet respond to formal complaint
June 15th
Another ( Same) copy of application form received
June 19th
Letter – Please freeze interest and token payment
July 18th
Letter – Please freeze interest on the account and token payment
July 19th
Monthly budget form received wanting I & E details
July 19th
Default sums letter plus last 2 payments letter
August 20th
Contact by letter and please stop interest letter plus token payment
Sept 3rd
Letter received – No interest is being added to account…..Finally
Sept 3rd
Monthly budget form received
Sept 20th
Letter – Contact by letter only plus token payment
Oct 8th
We accept your token payment offer
Oct 22nd
Contact only be letter and token payment sent
Nov 17th
Token payment sent
Dec 18th
Token payment sent


2013

Jan 21st
Token payment sent
Feb 6th
CCA emailed to Niddy –Niddy says
March 4th
We have not received your payment “you agreed to make” letter
March 19th
Reply to above.....There is not an agreement in place
May 27th
Letter - Account passed to recoveries team
June 18th
We are concidering passing to an external Collections agency
June 20th
I am still awaiting a reply to a letter of complaint dated 19th March - No reply
June 25th
We are concidering legal action to recover your debt
July 2nd
Modified "Prove it" letter sent - Not satisfied CCA request
July 4th
Sorry to hear of your complaint - We will investigate
July 11th
We are not in a position to respond yet letter
July 15th
We will shortly be taking further action against you to recover the debt
July 24th
Tesco Bank - We are still investigating your complaint
July 30th
Tesco Bank - You must take action - Call us today
Aug 15th
Tesco Bank - Account passed to Moorcroft for collection
Aug 21st
Moorcroft - Introduction letter
Aug 22nd
Tesco Bank - We will only contact you in writing - Reply to complaint
Aug 30th
Moorcroft - Possible further Action - Contact us
Sept 2nd
Letter sent to Moorcroft - No CCA received and Telephone harassment
Sept 8th
Thankyou for your recent letter - If you want proof of account - Send £1
Sept 13th
Moorcroft - Monthly installment offer letter received
Sept 27th
Midas Credit Services - Possible further Action letter
Sept 30th
Letter to Midas - Telephone harassment letter sent
Oct 5th
Moorcroft - Explaining our position - No reason for non payment ect

[Spud]

Re: Spud's UE Diary

American Express Credit Card

Start: Feb 2003
Balance: £800 ish
Last Full Payment: Nov 2011
Present: Not making payments
Status: Defaulted. Terminated

2012

Jan18th
Notice of default sums received
Jan20th
Change of Circumstances letter sent ( Posted 21st)
Jan 31st
Your account is overdue letter received
Feb 18th
Notice of Default sums received & latter – Account overdue
Feb 22nd
No correspondence received letter – Complaint ref. telephone harassment & Token Payment
March 1st
Default notice received
March 4th
Arrears Notice received
March 7th
Formal complaint – Harassment by Telephone
March 10th
Still looking into your complaint letter received
March 12th
Further harassment by telephone letter sent
March 17th
Notice of Cancellation received
March 19th
Overdue account letter from Newman ( Assigned whilst in dispute )
March 29th
Newman threat’o’gram – Notice of Legal action – Blah Blah…
April 2nd
Letter – Still investigating your complaint
April 6th
Newman – Threat of field agent visit……..
April 5th
Letter – Please suspend interest ect and token payment
April 13th
Newman – Notice of Further action Threat’o’gram
April 20th
Newman – Attention – Cannot accept your token payments letter
April 19th
CCA request sent
April 30th
Formal complaint still under investigation letter
May 2nd
I do have further information for your investigation letter
May 2nd
Newman – Legal action Threat ‘o’ Gram – A bailiff will be coming to seize my goods
May 4th
Token payment and contact by letter only sent
May 11th
CCA Reply received – Copy of application form
May 15th
Reply to formal complaint – Skirting around the issues
May 25th
Newman – Balance demand letter
June 19th
Token payment and please freeze interest letter sent
June 21st
Newman – Change of name to Transcom
June 29th
Notice of referral to external Collections Agency (Allied Credit)
July 11th
Allied International Credit introduction letter received
July 18th
Token payment and contact in writing only letter sent
August 20th
Token payment and Contact in writing only latter sent
Sept 20th
Token payment and Contact in writing only latter sent
Oct 22nd
Token payment and Contact in writing only latter sent
Nov 17th
Token payment and please stop interest letter sent
Dec 18th
Token payment sent




2013

Jan 21st
Token payment sent

Feb 6th
CCA emailed to Niddy - Niddy says

Feb 11th
AIC - Full and final offer letter
May 6th
American Express settlement offer
May 27th
American Express Settlement offer
June 21st
American Express – Notice of Referral to Brachers LLP
June 22nd
Brachers introduction letter ( Pre action Protocol references)
June 26th
Reply to Brachers -Ammended Account in dispute/Prove it letter sent
June 28th
Brachers – Make payment by XXXXXX or we will issue legal proceedings
June 28th
Subject Access Request sent – Amex
June 28th
Brachers – Thankyou for my letter dated 26th June – Treated as a complaint
June 29th
Reply to Brachers – Reply to LBA ( Pauls letter amended to suit)
July 1st
American Express – Thankyou for your letter dated 26th June – We are investigating your complaint
July 12th
American Express reply – Sent me some more Terms and conditions !!!!
July 12th
Brachers – Now that amex have replied – Please pay in full ect
July 20th
Brachers - As you have not responded - Legal action may now be taken
July 22nd
Reply to Brachers - Need clarificaton to their reply
July 26th
Brachers - We have set out the nature of our clients clain correctly - Pay up letter received
August 8th
Brachers - As you have not replied - We are seeking instructions - poss legal proceedings
Aug 12th
Reply to Brachers - Still need clarification as to what they have sent me ect
Sept 6th
Amex - Settlement offer letter
Oct 6th
Amex - Another settlement offer letter

[Spud]

Re: Spud's UE Diary

Halifax Credit Card

Start: June 2001
Balance: £11200
Last Full Payment: Nov 2011
Present: Not making payments
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 17th
Default Notice received
Feb 22nd
Letter – Contact only by Phone
March 2nd
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 5th
Please freeze interest and token payment letter sent
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 14th
CCA reply Received
May 14th
Albion Collections – Threat of doorstep collector letter received
May 17th
Please freeze interest and token payment sent
May 18th
Formal Complaint – Harassment by telephone and doorstep collector
June 2nd
Letter detailing last two missed payments
June 19th
Please freeze interest and token payment letter sent
July 4th
Formal complaint – Continued harassment after previous complaint
July 10th
Blair Oliver and Scott – Introduction letter
July 18th
Please freeze interest and token payment sent
July 23rd
Blair Oliver and Scott – Threat of Doorstep Collectors letter
August 14th
Blair Oliver and Scott – Door step Collector threat o Gram
August 20th
Contact only in writing and token payment letter sent
August 31st
Blair Oliver and Scott – Phone us letter
Sept 18th
Blair Oliver and Scott – Phone us letter
Sept 20th
Freeze interest/Contact only by phone and token payment letter sent
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
Oct 22nd
Contact only by letter and token payment letter sent
Nov 17th
Token payment sent
Dec 18th
Token payment sent

2013

Jan 21st
Token payment sent
Feb 6th
CCA sent to Niddy - Niddy says

April 17th
Token payments now due for review – Call us now
July 8th
I refer to our letter dated July 8th ref your complaint ( I have not written to them since January)
July 24th
Letter from Blair Oliver and Scott – Notice of Intended Court Action received - Contacted Paul for advice
August 10th
Reply to Blair Oliver and Scott (Pauls Letter)
August 17th
Template letter from Halifax themselves ( Bog standard template letter) But Headed "Notice of Legal Action" and claims to be a "letter before claim" - Account passed to our litigation department to commence a court action for payment ect
Aug 28th
Reply to Halifax - (Pretty much the same as before - Based upon Pauls letter)

[Spud]

Re: Spud's UE Diary

MBNA Credit Card

Start: Jan 2002
Balance: £2700
Last Full Payment: Nov 2011
Present: Not Paying
Status: Defaulted, Sold to Aptiv Kapital

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
Nov 2nd
Account sold to Aptiv Kapital
Nov 4th
Aptiv Kapital hello letter

2013

Feb 6th
CCA sent to Niddy - Niddy says
July 12th
Aptiv Kapital - We notice that you have not been making any payments letter received
Nov 19th
Aptiv Kapital - Discount offer voucher letter

[Spud]

Re: Spud's UE Diary

Barclaycard Mastercard

Start: Pre 2006 – Will update
Balance: £7800
Last Full Payment: Nov 2011
Present: Not making Payments
Status: Defaulted. 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

2013

Feb 11th
CCA request sent to Barclays
Feb 7th
Capquest - Please contact us letter received
Feb 20th
Capquest - Falsley claim that I had acknowledged to pay £1 PCM - I did not
Feb 24th
Barclaycard - CCA (Recon Received) Niddy says

March 8th
Barclaycard - Have sent a copy of original Application - Totally
Aug 21st
Barclaycard - Account passed to APEX for collection
Aug 28th
APEX Welcome letter received
Sept 2nd
Prove it letter sent to APEX
Sept 7th
Apex - Explination letter received
Sept 30th
Apex - Please contact us letter
Nov 18th
Apex - Please contact us letter
Nov 25th
Sold in dispute letter sent to APEX

[Spud]

Re: Spud's UE Diary

Barclaycard Visa

Start: Pre 2006 – Will update
Balance: £350
Last Full Payment: Nov 2011
Present: Not making Payments
Status: Defaulted

2012

Jan 20th
Change of Circumstances letter sent
Feb 8th
Token payments accepted letter
April 3rd
Formal payment plan offer letter
April 8th
Mercers – Default Notice
April 22nd
Mercers – Can we help – Doorstep collector threat
May 4th
Complaint and remove access to property letter sent
May 11th
Confirm complaint received
June 6th
Complaint reply – Have removed tel. Nos ect
June 6th
Barclaycard – Token payments offer accepted
Oct 10th
Confirm telephone no’s removed from account letter
Nov 18th
Mercers – Default notice received


2013

Jan 3rd
Mercers – Token payment offer accepted

Will be sending off the CCA request letter shortly

Feb 23rd
CCA sent to Niddy - Niddy says
March 22nd
Mercers - You have failed to contact us letter received
May 1st
Barclaycard - Formal demand for payment received
May 18th
Barclaycard - Account passed to RMA for collection
May 21st
RMA introduction letter received
May 28th
Telephone harassment letter sent to Barclaycard
May 28th
Prove it letter sent to RMA
June 6th
Notice of Concern received from RMA
June 20th
RMA - Please contact us letter received
June 27th
Telephone harassment letter sent to RMA
June 27th
RMA - Notice of potential doorstep recovery letter received
July 2nd
Formal complaint sent to RMA
July 4th
Letter from NCO Europe - Complaint being investigated
July 8th
Letter from NCO Europe - Our contact has been within the regulations ect
Sept 7th
Barclaycard - Account passed to Allied for collection
Sept 9th
Telephone harassment and prove it letter sent to Allied
Sept 22nd
Barclaycard - Account now passed to Allied
Oct 4th
Allied introduction letter received

[Spud]

Re: Spud's UE Diary

Finally up to date ......Now got to keep it that way

Nothing much to report sadly

[MrsD]

Re: Spud's UE Diary

looking good petal, looking good!

[Pixie]

Re: Spud's UE Diary

It's good that you have nothing much to report!

You seem to have everything under control...well done Spud.

[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
Dec 2nd
Letter from Allied - Early settlement offer
Dec 17th
Letter from Natwest - We're sorry to hear that you are not happy - We will investigate your complaint

2014

Jan 6th
Letter from Natwest - Thankyou for being patient - We apologise for letting you down ( Reply to complaint)
Feb 24th
Letter to Allied - Telephone harassment letter sent
March 1st
Letter from Allied - We are investigating your complaint - Account on Hold



Nothing new to note - Just updating the diary - Oh hold with Allied whilst they investigate telephoning me when they have previously been told not to and agreed not to !!!!!

[Spud]

Re: Spud's UE Diary

Tesco Credit Card

Start: July 2000
Balance: £3000
Last Full Payment: Nov 2011
Present: Not making payments
Status: Defaulted. Terminated, DCA Merry go Round

2012

Jan 19th
Default sum notice received
Jan 20th
Change of Circumstances letter sent
Feb 1st
Arrears letter received
Feb 10th
Financial statement request - Sent reply
Feb 18th
Letter received detailing last two payments
Feb 22nd
Contact in letter only and token payment
March 1st
Default notice received
March 22nd
Letter aknowledging my token payments
March 21st
CCA Request letter sent
April 5th
Token payment letter sent
April 16th
CCA reminder letter sent
April 16th
Request for signature for CCA
April 19th
Letter received detailing my last two payments
April 20th
Letter asking for signature ref CCA request – Declined
April 20th
Reply to signature request and reminder letter
April 20th
Termination letter received
April 26th
Letter asking for my signature ref CCA request
May 2nd
Formal complaint - Not replying to my letters - Kept my £1 CCA fee ect
May 17th
Account in dispute letter sent
May 29th
CCA Reply Received - Application form & terms (missing date!)
May 30th
Account in despute letter sent - Cannot read terms sent ect
June 9th
Letter received - Cannot yet respond to formal complaint
June 15th
Another ( Same) copy of application form received
June 19th
Letter – Please freeze interest and token payment
July 18th
Letter – Please freeze interest on the account and token payment
July 19th
Monthly budget form received wanting I & E details
July 19th
Default sums letter plus last 2 payments letter
August 20th
Contact by letter and please stop interest letter plus token payment
Sept 3rd
Letter received – No interest is being added to account…..Finally
Sept 3rd
Monthly budget form received
Sept 20th
Letter – Contact by letter only plus token payment
Oct 8th
We accept your token payment offer
Oct 22nd
Contact only be letter and token payment sent
Nov 17th
Token payment sent
Dec 18th
Token payment sent


2013

Jan 21st
Token payment sent
Feb 6th
CCA emailed to Niddy –Niddy says
March 4th
We have not received your payment “you agreed to make” letter
March 19th
Reply to above.....There is not an agreement in place
May 27th
Letter - Account passed to recoveries team
June 18th
We are concidering passing to an external Collections agency
June 20th
I am still awaiting a reply to a letter of complaint dated 19th March - No reply
June 25th
We are concidering legal action to recover your debt
July 2nd
Modified "Prove it" letter sent - Not satisfied CCA request
July 4th
Sorry to hear of your complaint - We will investigate
July 11th
We are not in a position to respond yet letter
July 15th
We will shortly be taking further action against you to recover the debt
July 24th
Tesco Bank - We are still investigating your complaint
July 30th
Tesco Bank - You must take action - Call us today
Aug 15th
Tesco Bank - Account passed to Moorcroft for collection
Aug 21st
Moorcroft - Introduction letter
Aug 22nd
Tesco Bank - We will only contact you in writing - Reply to complaint
Aug 30th
Moorcroft - Possible further Action - Contact us
Sept 2nd
Letter sent to Moorcroft - No CCA received and Telephone harassment
Sept 8th
Thankyou for your recent letter - If you want proof of account - Send £1
Sept 13th
Moorcroft - Monthly installment offer letter received
Sept 27th
Midas Credit Services - Possible further Action letter
Sept 30th
Letter to Midas - Telephone harassment letter sent
Oct 5th
Moorcroft - Explaining our position - No reason for non payment ect
Dec 19th
Moorcroft - Offering me a monthly installment offer

2014

Jan 3rd
Letter from Midas Credit Services - Possible further Action
Jan 17th
Letter from Moorcroft - We are passing this tyo our home collections division.....Division Love it!!!
Feb 9th
Letter from Moorcroft - Discount offer letter
Feb 10th
Letter to Moorcroft - Harassment/No contact other than in writing letter sent
Feb 21st
Letter from Moorcroft - We can confirm that this account is now closed on our system
Feb 21st
Letter from Tesco Bank - We are passing this account onto Robinson Way
Feb 27th
Letter from Robinson Way - We are going to negotiate repayment of your debt letter




Passed to Robinson Way - I have no experience of these but I will sit tight and see what they send next