Spud's UE Diary

[The Tech Clerk]

Re: Spud's UE Diary

MBNA = use RMA initially usually to chase payments,they tend to not stay very long before being sold off ect.

[MrsD]

Re: Spud's UE Diary

the the techie's right Spud, a crowd of pussies

In the days before I found Niddy, I had a telephone arguement with this lot who were chasing an american express devt, the woman told me that as it was a AE debt, normal British law didn't apply and they could do what they liked.....promptly phoned the FOS, reported them and got compo, so just a crowd of unfortunates trying to do a job they haven't a clue about

[Spud]

Re: Spud's UE Diary

Thanks Techie and Mrs D - I guessed they would be pretty "run of the mill" but I'm always willing to learn !!

Ive just had a thought...... Barclaycard dont believe that British law applies to them either .......

The RMA Letter threatens me with a doorstep collector from Scotcall ........ In this case and because they dont have to respect British Law ( Because they ARE Barclaycard) does this mean that the collector has the absolute right to seize my firstborn child from my very arms in partial payment?

[MrsD]

Re: Spud's UE Diary

just chase them out the drive, another crowd of unfortunates who get paid peanuts and have to rely on you making a "contribution" to their commission, so you can see towards the end of the month, they may get a trifle desperate................

[Spud]

Re: Spud's UE Diary

RMA have now sent me a "LETTER OF CONCERN" to explain that they are concerned that I have not contacted them to make a payment arrangement.

I sent them a "Prove it letter" as I do not know of any amount being owed to RMA and it is me who is concerned that they have not replied

I think a one liner is in order....

They set this Letter of Concern out so well, Almost official looking Its just a shame that THEY are the only ones concerned about it

[Never-In-Doubt]

Re: Spud's UE Diary

I think ignorance is best mate

[Deepie]

Re: Spud's UE Diary

I think ignorance is best mate

It's working for me.....

[Spud]

Re: Spud's UE Diary

It's working for me.....

Ignorance it it then ....... Its been working for me too but I sometimes worry that I could be accused of too much ignorance !!!

Hence I force myself to send the odd letter now and again

[SA Gold]

Re: Spud's UE Diary

RMA have now sent me a "LETTER OF CONCERN"

Letter of concern! Whoever dreams up the titles of these letters at the threat factorys?

[ScabHunter]

Re: Spud's UE Diary

Letter of concern! Whoever dreams up the titles of these letters at the threat factorys?

Write back and ask them if it is an ongoing concern. If so, what would they be prepared to sell it for?

SH

[The Tech Clerk]

Re: Spud's UE Diary

Write back and ask them if it is an ongoing concern. If so, what would they be prepared to sell it for?

SH

and sign it "SEA BLUE",


as their cards are C. GREEN

[Spud]

Re: Spud's UE Diary

Letter of concern! Whoever dreams up the titles of these letters at the threat factorys?

I thought that would make you all chuckle ...... They even set it all out headed and official looking bless them

They have spent ages on it and worked really hard into the night to get it looking so official

I mean..... Whoever heard of a "Letter of Concern" ..... They are the only ones that seem any way concerned about it

[Spud]

Re: Spud's UE Diary

American Express Credit Card

Start: Feb 2003
Balance: £845.40 ( July 2012 - No contact/Statements since)
Last Full Payment: Nov 2011
Present: £1.00 Month Token payment
Status: Defaulted. Terminated, With External DCA (Allied)

2012

Jan15th
Notice of default sums received
Jan20th
Change of Circumstances letter sent
Feb 15th
Notice of Default sums received
Feb 22nd
No correspondence received letter – Complaint ref. telephone harassment
March 3rd
Arrears notice letter
March 1st
Default notice received
March 7th
Formal complaint – Harassment by Telephone
March 17th
Notice of Cancellation received
March 18th
Overdue account letter from Newman ( Assigned whilst in dispute )
March 29th
Newman threat’o’gram – Notice of Legal action – Blah Blah…
March 30th
Letter – Still investigating your complaint
April 5th
Newman – Threat of field agent visit……..
April 12th
Newman – Notice of Further action Threat’o’gram
April 19th
Newman – Attention – Cannot accept your token payments letter
April 19th
CCA request sent
April 28th
Formal complaint still under investigation letter
April 30th
Newman – Legal action Threat ‘o’ Gram – A bailiff will be coming to seize my goods
May 10th
CCA Reply received – Copy of application form
May 12th
Reply to formal complaint – Skirting around the issues
June 28th
Notice of referral to external Collections Agency (Allied Credit)
July 9th
Allied International Credit introduction letter received

2013

Feb 6th
CCA emailed to Niddy - Niddy says

UPDATE

Just had a letter from Brachers acting for AMEX introducing themselves

Has anyone any experience of these?

[MrsD]

Re: Spud's UE Diary

I'd pop off a sold in dispute Spud, no rush, just when you've got a minute

[Spud]

Re: Spud's UE Diary

Thanks Mrs D

I was a bit concerned as I had read that Brachers are a little litigation happy, Especially with the old SD's

Its probably standard template letter stuff but I notice that their letter makes reference to the contents of this letter satisfying the pre action protocol blah blah blah although it is not headed as a letter before action ect - Its just been assigned and its to introduce themselves as it were

I'll wait a few days and send off as reccomended - See what they come back with and get my diary entries bang up to date in the between time !!!!!