Spud's UE Diary

[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 – NowPRA



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 automaticallytransfer to our solicitors – The letter does not allow time to contact their offices due to double bank holiday period?
April 3rd
Letter ofcomplaint 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 within7 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)



It looks as though Judge & Priestley have sent me one of their LBA's......They have been sending a few out recently by the look of it.....Same wording as for other members

I never did manage to send another CCA request due to having the flu (Getting better now)

I will send PRA a CCA Request and Judge & Priestley a LBA response letter due to the threat, Unless you think J&P should have both?

[Spud]

Re: Spud's UE Diary

Thanks all, I had seen that there were a few "same" type letters from them........ Let hope they don't have too much of a shock when they all come back U/E !!!!!

CCA request being printed off this afternoon and sent Tuesday.......

[Undercover Elsa]

Re: Spud's UE Diary

We've been getting a few of these on the forum, Spud. Their "Head of Legal and Compliance" is quite pushy.
As Pixie says, I would send a new CCA Request off, stop them in their tracks.

Elsa x

[The Tech Clerk]

Re: Spud's UE Diary

New Company owner = hence make a mark before falling back! but they may be in for a shock very soon it seems, no comment until verified!

[Pixie]

Re: Spud's UE Diary

It does seem as if PRA are getting a little more proactive so sending a new cca request is a good idea

[The Tech Clerk]

Re: Spud's UE Diary

[QUOTE=Spud;493786]After months of nothing from the MBNA account........I felt so unloved as I kind of got used to the empty threat letters........Some nasty people from the PRA group ( Whoever they are?) have sent me a letter saying that they will automatically pass this account to their Solicitors ( Judge and Priestley) to review with to court action If I don't telephone them on the number they have given by Monday 6th April 2015!!!!!!

Best of it all the letter wasn't received until Thursday evening so with Bank Holiday Monday ( Where they don't answer the phone - I checked), Sat and Sun (Where their offices are closed) and the deadline Monday 6th which is a bank holiday it is physically impossible to comply with their deadline !!!!!!!!!

This is UE as Apkiv Krapital could not comply fully with my CCA request. I know PRA is the new name for AK but they have never written to me to tell me officially ect

I sent them a adapted prove it letter this morning so they should receive it on Tuesday morning first thing[/QUOTe

[Spud]

Re: Spud's UE Diary

After months of nothing from the MBNA account........I felt so unloved as I kind of got used to the empty threat letters........Some nasty people from the PRA group ( Whoever they are?) have sent me a letter saying that they will automatically pass this account to their Solicitors ( Judge and Priestley) to review with a view to starting court action If I don't telephone them on the number they have given by Monday 6th April 2015!!!!!!

Best of it all the letter wasn't received until Thursday evening so with Bank Holiday Monday ( Where they don't answer the phone - I checked), Sat and Sun (Where their offices are closed) and the deadline Monday 6th which is a bank holiday it is physically impossible to comply with their deadline !!!!!!!!!

This is UE as Apkiv Krapital could not comply fully with my CCA request. I know PRA is the new name for AK but they have never written to me to tell me officially ect

PRA are saying that they hope I take this last chance to engage with them before they pass this to Solicitors. Not exactly an LBA but certainly ramping it up a little. Similar I think to letters others have had recently from PRA

I sent them a adapted prove it letter outlining that I have no idea who PRA are and pointing out that I cannot possibly comply with their deadline as it is impossible, The best thing I could do was send them this letter Saturday morning so they should receive it on Tuesday morning first thing.

I'm thinking it would be a good idea to follow this up with another CCA request as it has been a few years now and they could not comply last time.

I will post up the diary entry again when I have had time to make sure it is 100% up to date

Any ideas ref Judge and Priestly and PRA getting a bit more pro active?

[MrsD]

Re: Spud's UE Diary

just keep a wary eye on them................nasty pieces

[Spud]

Re: Spud's UE Diary

Ahhh

That's quite interesting.......Prehaps the big bosses roll up to do a review just before month end and they pile the pressure on!

Timing would be just about right for the end of the month as well.........Its all fitting together like a jigsaw puzzle

[MrsD]

Re: Spud's UE Diary

they seem to bat out letters on a monthly schedule, always towards the end/beginning of the month.

I would time you SWID so that they get it before they have a chance to up the anti at the end of the month......................

[Spud]

Re: Spud's UE Diary

As predicted - A second letter from MKDP in timely fashion....." We have not received your payment proposals" letter

I have sent them a very basic " I have no idea who you are" Stalling letter - Should stretch it out for another 10 days as a part of the experimental "Stalling"plan.........See what they come back with in reply

Then the SWID letter next

[Deepie]

Re: Spud's UE Diary

Thanks Mrs D

I'm going to wait until they make contact and then send off the SWID letter as you say and at the same time tag a bit on the end ref telephone harassment and home visits. Sent Recorded

Hopefully that will make then sit up and investigate - And slow them down a little

As they have bought a bad one here I dont want to have to tell them too early that its utter #####

Better let them have it for 6 months first -By the time they realise its a dud there will hopefully be less chance of it being handed back to Barclaycard and they will be more inclined to just leave it alone in the dud pile to gather dust


Or thats the plan at least

I like your plan............

[Spud]

Re: Spud's UE Diary

Thanks Mrs D

I'm going to wait until they make contact and then send off the SWID letter as you say and at the same time tag a bit on the end ref telephone harassment and home visits. Sent Recorded

Hopefully that will make then sit up and investigate - And slow them down a little

As they have bought a bad one here I dont want to have to tell them too early that its utter #####

Better let them have it for 6 months first -By the time they realise its a dud there will hopefully be less chance of it being handed back to Barclaycard and they will be more inclined to just leave it alone in the dud pile to gather dust


Or thats the plan at least

[MrsD]

Re: Spud's UE Diary

just be careful MKDP haven't quite perfected their listening skills, so once they make contact, whack off the swid

[Spud]

Re: Spud's UE Diary

just send the swid when they contact you unless you have an actual letter from Barclaycard saying they have zilch?

Thanks both - No not quite that lucky with Barclaycard but I know they have nothing - All they could send me in response to my CCA was a copy of the "10 second " acceptance sheet -( Existing Barclaycard account number, Name and Signature thats all)

And a old set of terms that are riddled with mistakes