Spud's UE Diary

[SaltnVinegar]

Re: Spud's UE Diary

The fact that they are already offering huge discounts means they know they are screwed.

Yes I would be very cautious at any rate with any creditor offering such a massive discount right out the gate.

Barclaycard have also been known to accept F&F's and then sell the balance to a DCA leaving the debtor screwed if they didn't get anything in writing, or be very precise as to how the F&F was dealt with

[Spud]

Re: Spud's UE Diary

SnV

Thankyou - Dont worry....I'm not in a position to make any offers anyway

I did read about this in an old post - Cannot remember if this one was Barclaycard but it sure is sneaky and something to think about if you are concidering a F&F

If I ever was in that position - I would be sure to post here first - Imagine how Pi**ed off you would be when they end up chasing you for the remainder

[Spud]

Re: Spud's UE Diary

Well That did'nt last long!!!!

Mercers sent me a letter ( No date on it interestingly) That offered me a 60% discount F & F offer that I received last week

Then I've just received a letter dated the same day I received the last Stating that as I have failed to bring the account up to date........Usual speel.....

Also an Agent may call at my home address to discuss repayment of your debt.

It seems that even if I had contacted them, They had already printed and sent off the next letter

Not Suprised at all...... Just a bit underhand - Especially not dating the offer letter

Still what are we to expect from Mercers

Time for a quick reminder letter I think regarding Home visits -

I only say that because of all the home visit threats I have received - Barclaycard are the only ones who have actually sent some pillock around

Quite interesting that was.... I answered the door ( I could tell it was a "Collector" straight away)

Collector - Hello... Bobby Haveadebt?

Me - Sorry, Can I ask who's asking?

Collector - Barclaycard

Me - Sorry I think you've got the wrong address

Collector - But this is No *** So and so Street

Me - I point to number on the door and say - It says No *** There

Collector - Walks off and says " Its like that is it"

Me - I close the door and smile " Yep its exactly like that"

Mabee I'll get the same bloke again - Poor Sod

[ScabHunter]

Re: Spud's UE Diary

Me - I point to number on the door and say - It says No *** There

Tell him it is not the house number, it is the running total of debt collector skeletons which are imprisoned in the basement.

I hope you live in a house with a high number.

SH

[Spud]

Re: Spud's UE Diary

UPDATE

Had a letter from Natwest and Tesco ststing that I have failed to keep to our "agreement" and I have not made a payment

Thing is, After 12 months of me asking for interest to be stopped ect they still have not agreed to stop interest or charges or agree to token payments ect

So now they accuse me of breaking this agreement that did'nt exist!

There has been no acceptance or agreement - Funny how they want to rely on some sort of payment agreement now that I have stopped paying....Very Convenient!

Think I might write them a quick letter asking for a copy of this payment agreement.....That does'nt exist

Should be interesting..

Any thoughts on this from others or would I be best to ignore for now?

UPDATE

I sent Natwest a "Robust" letter of complaint regarding their false claims....

They have written back making full apology, There was no payment agreement in place and the letter should not have been sent. They very much regret the dissapointment and concern that this has caused and they apologise for the distress and worry.

Interestingly they acknowledge that the letter they sent me "would cause alarm"......Then why send it???

A small victory I suppose.... Something to file away to demonstrate their incompetence should I ever need to

[Pixie]

Re: Spud's UE Diary

[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, Internal type collectors merrygo-round

2012

Jan 20th
Change in circumstances letter sent – token Payments
Jan 31st
Arrears letter received
Feb 29th
Arrears letter received
March 19th
Confirmation of circumstances letter received
March 21st
CCA request letter sent
March 23rd
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 23rd
MHA Collections – Cannot accept your token payments ect
April 25th
SCM Solicitors – Pay within 14 days or Court proceedings Threat ‘O’ Gram
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 27th
MHA Collections Income/Expenditure request – Cannot accept token payments
July 5th
Copy of application form received with some terms – Looks pretty good
July 27th
BLS Collections – Introduction & threat of home visit letter
August 17th
BLS – Contact us – possibility of repaying on reduced payments
August 28th
BLS – Essential that I phone BLS today….. I did’nt !!!!
Sept 11th
BLS – A “personal visit may be required” letter
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
Nov 23rd
SCM Solicitors – Cannot accept token payments letter


2013

Jan 8th
SCM Solicitors – Tried to contact me without success – Would I give them a call? letter
Feb 6th
CCA Emailed to Niddy - Niddy says

UPDATE - Really Worried (Not)

I have received a letter from ( Supposidly from Lloyds TSB) on poorly printed Lloyds letter head stating that this is now going to be passed to Wescot

Clearly this letter was sent by Wescot - With their address on envelope ect

Am I correct in thinking that Wescot are one of our favourites on this site

Anybody have any experience of seeing these off?

Looking forward to have the opportunity - Ive got a feeling im back on the merry-go-round again

[The Tech Clerk]

Re: Spud's UE Diary

Have fun with Wetcloths OH! and Nelson Guest & Partners letter heads answered by Wetcloths no doubt?

[Spud]

Re: Spud's UE Diary

Thanks Techie ( Can I call you that - Last time I shortened a username - Deepie changed his name!!)

I've been reading up on Wescot a little bit but its always good to learn what you can. They seem to turn up fairly frequently on here!

I seem to remember Scabhunter is rather partial to some Wescot banter

[The Tech Clerk]

Re: Spud's UE Diary

Yes they are well documented on sites, they tend to run after a while if challenged etc!

[ScabHunter]

Re: Spud's UE Diary

Am I correct in thinking that Wescot are one of our favourites on this site

Yes, indeed.

Anybody have any experience of seeing these off?

Not personally, but there are many others who have. There are plenty of examples on the diary threads.

I seem to remember Scabhunter is rather partial to some Wescot banter

That is because they keep coming round time and time again. They have "scary" templates with plenty of red ink, in-house pseudo-licitors who use the same address and telephone number (which is a slight giveaway that it is not an independent organisation), and some apparently illiterate employees.

Any time the communication goes beyond the use of templates, they are entirely incapable of coping with it. I've even seen letters referring to the "Credit Consumer Act", and everything is riddled with spelling and grammar errors. That is why they are such a laughing stock.

SH

[Spud]

Re: Spud's UE Diary

Thankyou SH

Should make some interesting reading then !

[Pixie]

Re: Spud's UE Diary

I've seen them off a couple of times.

Like SH says, they like to use a lot of red ink and capital letters thinking it will scare you into paying.

[Spud]

Re: Spud's UE Diary

MBNA Credit Card

Start: Jan 2002
Balance: £2708
Last Full Payment: Nov 2011
Present: Not making Payments
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

UPDATE

This has been sold whilst in dispute (Whilst they were still dealing with my formal complaint !!) to Aptiv Kapital - Must update diary!!!

Not paid anything on this account since Christmas when I stopped all payments

Fancy a chuckle.......

They have just sent me a letter thanking me because they can see that I have been maintaining regular payments to the account as agreed ( Although I have never even spoken/Written to AK !!!!)

Needless to say that I will not be writing to correct them just yet !

[Spud]

Re: Spud's UE Diary

Thanks SH

They sent a recon agreement that was wrong on a couple of points !!

Then they sent me a copy of my original application.... A 30 second sign here form!

I'm going to wait a while before I send the MPT letter and I'm certainly not going to phone Mercers!

Hopefully I will hear from an external DCA shortly and the merry-go-round will start.

I was hoping that the fact they have offered such a big discount as their first ever offer was a good sign and things were looking up on this one

I could probably afford a 98% discount F&F......

UPDATE

Barclaycard accounts are now passed to RMA ( Risk Management Alternatives)

I've heard of them before from other diaries but I dont remember reading much about them. They dont seem as common as the other names. Are they everso scary???

Anybody got any experience of them?

Both accounts are clearly U/E but they have got to try their best I guess?

I will be following the set letter routine anyway but any advice is always greatly appreciated - Especially As I dont know much about them yet - Got some reading to do !!!!