Spud's UE Diary

[Spud]

Re: Spud's UE Diary

Thanks Niddy

I am going to sit down tomorrow and get my diary up to date. I will start putting the reply together without spelling too much out. I know its normally better to try to keep things out of court and go into a bit more detail but I have a feeling with J&P they will just issue anyway regardless of the reply so I may as well play it safe with the reply and stick to the template

Got a few days yet anyway

[Never-In-Doubt]

Re: Spud's UE Diary

Agreed. Don't be specific - like I say above "incomplete & illegible" covers many instances....

[josefk]

Re: Spud's UE Diary

Seems like J&P put out a job lot this week Spud as I received the same kind of info.

Sent a response stating it was incomplete and will wait and see.

Good luck with it.

[nanna58]

Re: Spud's UE Diary

Good luck Spud x

[Spud]

Re: Spud's UE Diary

Seems like J&P put out a job lot this week Spud as I received the same kind of info.

Sent a response stating it was incomplete and will wait and see.

Good luck with it.

I think you are right, There are a few in the same position at the minute. I saw your diary regarding the same. Going to update mine over the next few days. Seems they use the same old tactics and make the same old mistakes!

Knowledge is power.....And from what I have read.....For everything else J&P related there is Joanna

[Pixie]

Re: Spud's UE Diary

Knowledge is power.....And from what I have read.....For everything else J&P related there is Joanna

Good luck Spud x

[Spud]

Re: Spud's UE Diary

MBNA Credit Card

Start: Jan 2002

Balance: £2700
Last Full Payment: Nov 2011
Last Token Payment: January 2013
Present: Not Paying
Status: Defaulted, Sold to Aptiv Kapital – Now PRA group / Judge & Priestly



2012

Jan 20th
Change ofcircumstances letter sent
Jan 24th
Over credit limitletter received
Feb 8th
Reminder – Paymentnot received
Feb 8th
Account restrictedletter
Feb 22nd
Arrears noticereceived
Feb 22nd
Token paymentletter – Asking could they freeze interest
March 8th
Arrears letterreceived
March 21st
CCA RequestLetter 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 5th
Token payment letter – Asking could they freeze interest
April 13th
Account restricted letter
April 24th
Notice of sums in arrears
May 10th
Imminent terminationof agreement letter
May 17th
Token payment letter – Also Telephone harassment and doorstep visit letter sent
June 1st
Account restricted letter
June 7th
Default notice received
June 19th
Token payment letter – Asking them to freeze interest
June 23rd
Notice of sums in arrears
July 4th
We are unable to stop interest until we have your income and expenditure sheet
July 18th
Complaint that they will not stop interest despite me sending them my income and expenditure sheet
July 19th
Token payment letter sent
July 27th
Call us letter
August 15th
Account terminated letter
August 20th
Token paymentletter sent – Also further harassment latter
Sept 13th
Acknowledge my complaint
Sept13th
Account sold to Aptiv Kapital
Sept 20th
Token payment letter – Ask them to stop interest and stop calling me –Remind them of telephone harassment letter
Sept 21st
Still investigating complaint letter received
Oct 3rd
Aptiv Kapital welcome letter
Oct 3rd
We note your account has been sold
Oct15th
Response from MBNA to my complaint – We could not freeze interest because we did not receive acopy of your income and expenditure sheet
Oct 22nd
Token payment letter sent
Nov 2nd
Account sold to Aptiv Kapital letter received
Nov 4th
Aptiv Kapital 10% discount offer letter
Nov 6th
Aptiv Kapital –Thank you for arranging a payment plan with us – I never arranged anything !!!!
Nov17th
Token payment letter sent
Dec 5th
Aptiv Kapital 10% discount offer letter
Dec 18th
Token payment letter sent

2013


Jan 4th
Aptiv Kapital – 10% discount letter received
Jan 21st
Token payment letter sent
Feb 6th
CCA sent to Niddy – Niddy says UE
March 3rd
Aptiv Kapital 10%discount letter received
April 9th
Aptiv Kapital 10% discountletter received
April 30th
Aptiv Kapital 10% discountletter received
June 6th
Aptiv Kapital 10% discountletter received
July 1st
Aptiv Kapital 10% discountletter received
July 12th
Aptiv Kapital - Wenotice that you have not been making any payments letter received
Nov 19th
Aptiv Kapital -Discount offer voucher letter
Dec 3rd
Money off voucher –Pay off the account letter

2014

Jan 7th
Money off /Discountpayment letter
Feb 5th
Money off /Discountpayment letter
March 4th
Money off /Discountpayment letter
March 28th
Telephone harassmentletter sent
April 7th
We areinvestigating your complaint letter received
May12th
Letter from AK –Please tell us when you left your previous address.......I didn't reply!!!!

2015

March 11th
Letter from PRA –Your account is being looked at by our investigations and litigation dept
April 2nd
Letter from PRA –If you don’t contact us by a certain date the account will automatically transfer to our solicitors – The letter does not allow time to contact their offices due to double bank holiday period?
April 3rd
Letter of complaint to PRA – Physically impossible to meet your stated deadline due to your office being closed for 4 days/ Modified Prove it letter as I have had no formal introduction to PRA.
April 21st
Letter from Judge & Priestley Solicitors – Unless debt settled within 7 days, They are to commence proceedings against me without further notice.
22nd April
CCA Request sent to PRA
22nd April
LBA Response letter sent to Judge & Priestley
5th May
Letter from J&P - Confirming receipt of my LBA letter, Docs have been requested
9th May
Letter from PRA acknowledging my CCA request
30th July
I&E form from J&P along with unreadable copy of an Application form and a couple of statements
3rd Aug
Letter from PRA - Letter of Assignment received from PRA ( Aptiv Kapital to PRA Group)
4th Aug
Incomplete & illegible documents received - Letter sent to Judge & Priestley
12th Aug
Letter from J&P - Thank you for your letter. We have already sent you the documents that prove your liability. Proceedings will be issued unless I fill in their I & E sheet


Just updating my diary - Although I received an interesting letter from PRA this morning advising me of the account assignment back in December. I'm wondering if this has anything to do with their recent loss and they are attempting to get their house in order?

Sorry, I cannot change text colour to show sent/received

[marypoppins]

Re: Spud's UE Diary

I've had the same letter today too Spud.

[Spud]

Re: Spud's UE Diary

I've had the same letter today too Spud.

I have a feeling they will be sending quite a few out

[Pixie]

Re: Spud's UE Diary

I'm wondering if this has anything to do with their recent loss and they are attempting to get their house in order?

More than likely Spud.

Sorry, I cannot change text colour to show sent/received

I've edited your post for you. To change the colour of the text just click on the arrow next to the "A" in the bar above the post

[Spud]

Re: Spud's UE Diary

More than likely Spud.

[FONT=Times New Roman][SIZE=3]

I've edited your post for you. To change the colour of the text just click on the arrow next to the "A" in the bar above the post

Thanks Pixie, I do appreciate it. I could normally change the text colour in just the way that you say but when I tried yesterday, As soon as I choose the colour the page just flies off up to the very first line? Tried it several times but would not work. Could be my Computer.

[Pixie]

Re: Spud's UE Diary

You've obviously changed the colour before so it was more for anyone new reading your diary who might not know.

[Spud]

Re: Spud's UE Diary

Received another letter from Judge & Priestley

Just a 2 "liner" which states that they have supplied the documents that prove my liability ( They have not & what they have sent cannot be read properly )

And that unless I fill out and send back their income & expenditure sheet within 7 working days they will issue proceedings without further notice......Seems they pay no attention to the common sense I sent them

This is becoming a recurring theme with these

[PlanB]

Re: Spud's UE Diary

Received another letter from Judge & Priestley

Just a 2 "liner" which states that they have supplied the documents that prove my liability ( They have not & what they have sent cannot be read properly )

And that unless I fill out and send back their income & expenditure sheet within 7 working days they will issue proceedings without further notice

What's the date on that J & P letter Spud?

From what I can see on your diary J & P solicitors and/or PRA have written to you four times since 22nd April and I can't see that you have replied to any of those letters. Correct me if I'm wrong please.

When dealing with solicitors it's not wise to ignore them completely or they will issue legal proceedings. However it is wise not to tell them where they're going wrong either.

On the plus side it appears that PRA are currently in default of your CCA request

Plan B x


From your diary updates:

5th May
Letter from J&P - Confirming receipt of my LBA letter, Docs have been requested
9th May
Letter from PRA acknowledging my CCA request
30th July
I&E form from J&P along with unreadable copy of an Application form and a couple of statements
3rd Aug
Letter from PRA - Letter of Assignment received from PRA ( Aptiv Kapital to PRA Group)

[Spud]

Re: Spud's UE Diary

Sorry Plan B

I think me updating my diary crossed with your reply!

I'm having issues with updating posts and changing font colour to differentiate between received & sent. It seems to take about 10 minutes to update my post at the minute.

In short, I have always answered any letter that required a reply. Some of the J&P ones are a simple "Thank you for your letter, We will investigate and reply asap" type which obviously don't warrant a reply. The PRA one was just a notice of allocation telling me PRA now own this account.

Oh and yes, PRA are still in default of my CCA request