Spud's UE Diary

[Never-In-Doubt]

Re: Spud's UE Diary

[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

[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

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

I will be sending off for a CCA on this account over the next few days

Couple of questions:

August 8th - Partner received a telephone call saying they had a parcel to deliver and could we confirm the address - Got the number off the phone - Capquest !!

Is this regarded as misleding activity?

I also wonder about the tone and content of Capquests letters - Threatening bailiff action and walking possession orders ect if successful at court before we have been anywhere near a court!

I'll have to post them up on here - They seem just a bit too strong if you know what I mean and I believe Capquest have been known to be a bit heavy handed ! - It would be nice to have a genuine cause to complain - Ammo for a case ect

Another thing - The Letter from HL Legal ( Which I believe are a £35 solicitors letter hire firm) has no date on it yet it threatens that if not paid/Settlement by a certain date - Court proceedings may be issued..... And then details what the court costs will be ect

Surely it would be reasonable for a "Genuine" Solicitors letter to contain a date - Especially if threatening a "pay by date"

I wonder If HL Legal just sell them the letterheads and they just print away?

[Spud]

Re: Spud's UE Diary

Barclaycard Visa

Start: Pre 2006 – Will update
Balance: £350 - Not much I know but still a lot to me!
Last Full Payment: Nov 2011
Present: £1.00 Month Token payment
Status: Defaulted. Still in House?

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

[MrsD]

Re: Spud's UE Diary

I will be sending off for a CCA on this account over the next few days

Couple of questions:

August 8th - Partner received a telephone call saying they had a parcel to deliver and could we confirm the address - Got the number off the phone - Capquest !!

Is this regarded as misleding activity?

I also wonder about the tone and content of Capquests letters - Threatening bailiff action and walking possession orders ect if successful at court before we have been anywhere near a court!

I'll have to post them up on here - They seem just a bit too strong if you know what I mean and I believe Capquest have been known to be a bit heavy handed ! - It would be nice to have a genuine cause to complain - Ammo for a case ect

Another thing - The Letter from HL Legal ( Which I believe are a £35 solicitors letter hire firm) has no date on it yet it threatens that if not paid/Settlement by a certain date - Court proceedings may be issued..... And then details what the court costs will be ect

Surely it would be reasonable for a "Genuine" Solicitors letter to contain a date - Especially if threatening a "pay by date"

I wonder If HL Legal just sell them the letterheads and they just print away?

they are letterheads for rent Spud

while it's all against the guidelines, it's horribly common, keep everything in a big file, if you ever need it, you have it, the point of UE is to prepare for court in the hope that you'll never need the preparation

xx

[Spud]

Re: Spud's UE Diary

Thanks Mrs D

My file is growing nicely... If it were a tomato plant I would be really pleased with it !

I Keep everything filed away in date order - Took some time to set up but its worth it.

Completely agree with your summary - I ( Would... Eventually !) like to have all the arguments set out and ready to go... Even If I dont need them, Thats just the kind of person I am.

I might look further into this - As you say, It may have possibly breached the guidelines - Nothing major I know but 100 minor breaches that I detail and research may just swing things in my favour one day if that day ever comes !

Thankyou

[MrsD]

Re: Spud's UE Diary

they tend to say (on telephone) much worse

as long as you have everything, that's fine, our preferred legal eagle just loves this sort of stuff if it goes to court, but that's the last option so try no to worry about it.

[The Tech Clerk]

Re: Spud's UE Diary

I will be sending off for a CCA on this account over the next few days

Couple of questions:

August 8th - Partner received a telephone call saying they had a parcel to deliver and could we confirm the address - Got the number off the phone - Capquest !!

Is this regarded as misleding activity?

I also wonder about the tone and content of Capquests letters - Threatening bailiff action and walking possession orders ect if successful at court before we have been anywhere near a court!

I'll have to post them up on here - They seem just a bit too strong if you know what I mean and I believe Capquest have been known to be a bit heavy handed ! - It would be nice to have a genuine cause to complain - Ammo for a case ect

Another thing - The Letter from HL Legal ( Which I believe are a £35 solicitors letter hire firm) has no date on it yet it threatens that if not paid/Settlement by a certain date - Court proceedings may be issued..... And then details what the court costs will be ect

Surely it would be reasonable for a "Genuine" Solicitors letter to contain a date - Especially if threatening a "pay by date"

I wonder If HL Legal just sell them the letterheads and they just print away?

H.L. letters for Hire @ 75p, but state do not reply to them but the address below:- DCA chasing you, I use to send response to H.L. and then get a letter from them stating they forwarded to DCA as I had not followed Instructions on base of letter, hence their 75p credit has been more than spent by them responding to me and forwarding to DCA.

[ScabHunter]

Re: Spud's UE Diary

I haven't got time to read through the whole thread, but why in the name of Beelzebub are you making token payments on Sharklaycards which were taken out before 2006? This achieves absolutely nothing. It doesn't stop the possibility of litigation, it doesn't stop the threats and harassment, and it doesn't even reduce the alleged balance by anything worth mentioning. All it does is continually restart the limitation clock and push into the future the date when you might be free of all this.

The chances of the agreements even existing are slim. If they did exist, they would probably be unenforceable, and even if they weren't you could probably blag it with the type of clowns you are dealing with here.

Get s. 78 requests off and start the ball rolling on UE. It is almost certain to succeed in these cases.

SH

PS The default notice received in November - have you retained it with the envelope? Has anyone seen and it and said whether or not it is compliant?

[Spud]

Re: Spud's UE Diary

I like it... A nice sneaky way of costing them some money!

I did'nt reply - Researched them - On here I think It was.. and it said just as you had done - Letterheads for hire

Never thought of replying to them so that it may actually cost them.... Not that I would of course .......

I'm just quietly gathering every small snippet of evidence I can against all these DCA's ect - I could just be the straw that broke the donkeys back

[Spud]

Re: Spud's UE Diary

SH - Thankyou

I fully appreciate what you are saying. I know you hav'nt read the full post - Basically

I went through a "Bad" patch and the token payments were just a way to "buy" me a few months where the Creditors backed off a bit ect Just could'nt cope with the continued contact - Especially Barclaycard who turned up on my door ( Soon sent them off though )

I'm now feeling quite a bit better, Have eventually joined this site ( After lurking for months) and am activly looking at the UE route.

CCA's for these 2 Barclaycard accounts will be posted off within the next few days. As soon as I receive them... I will then again Spam Niddys inbox ( Sorry Niddy ) and send a copy of the default notices ect

I have heard that Barclaycard are one of the worst CCA wise... Not counting my chickens but fingers crossed

[ken100464]

Re: Spud's UE Diary

Its interesting to see someone entering the UE journey and someone reaching the promised land of UE.

The initial stopping of payments when you start just seems plain wrong. Our mindset clouded by bank and DCA contact and yes the wider public moral tells us this.

What seems incomprehensible to one seems very sensible to another and vice versa.

We being cautious in nature took ages to cancel the payments then agonised afterwards what we had done. Whats happened? We had been led to believe hell and damnation just to start would be our fate. But the reality is we have so far got one solitary letter. The we are off to look for the CCA letter. The other ones the cat got their tongue.

Every debt is personnal. Even one that is small on here is big to us just because its there and part of our overall problem.

I understand both positions but do think the more immersed into UE we become the more our mindset changes.
The start is a scarey time, the end I can only imagine.

[Spud]

Re: Spud's UE Diary

Thats very true Ken - Wise Words

I can see... In my case at least that not stopping payments when I first started looking at the UE route a year ago means that I now have a year longer to wait as it were... But different situations for different people I suppose.

I'm not too bothered about stopping the payments as I can prove beyond any reasonable doubt that I cannot even afford to pay the token payments but have been doing so out of our already tiny groceries budget.

I am keen to look at any negative influence that witholding payment may have should I ever come to court, Not as a reason to keep paying but so I can get a good counter argument in place should that day arrive.

I've been reading with interest, "Pauls" posts about keeping a contact with creditors and what he says about witholding payments ect.

I'm just one of those "Got to get the plan sorted first" type people I guess