Adinuff's UE Diary

[Deepie]

Re: Adinuff's UE Diary

Barclays Bank (joint current account)

Balance approx £4785.11

Default date 08/2006

Default amount £6011

DMP (Payplan) - £13.89 monthly

Barclays Bank Plc CDS Collections

21/01/13 - SAR sent
21/02/13 - SAR received. All statements received.Need advice on claiming back charges and validity of OD if applicable

Have you read this ? ----? Overdrafts - CCA Information

[Adinuff]

Re: Adinuff's UE Diary

Nice one ... keep that letter very very safe.

Filed between my birth certificate and marriage certificate

[Deepie]

Re: Adinuff's UE Diary

Nice one ... keep that letter very very safe.

[Adinuff]

Re: Adinuff's UE Diary

Egg card (mine)

Balance Approx - £8575.46

Default Date - Approx 2006

Default Amount - Not known

DMP -(Payplan) - £24.89 Stopped Paying

Sold too - Credit Solutions

21/01/13 sent off CCA and SAR request too Barclaycard
11/02/13 Recieved acknowledgement of request for Section 78 and 189.

15/02/13 Reiceved Recon from Barclaycard. Also covering letter stating "nothwihstanding that we cannot currently enforce the agreement, our rights continue to exsist under the agreement...blah blah

07/03/13 - Stopped payment

10/09/13 - Letter from Barclaycard. Your debt has now been passed onto Allied International Credit Uk to manage the collection of the balance outstanding on your account. Gonna ignore

08/10/2013 Letter from AIC. Balance outstanding please pay. We are unaware for a reason for non payment.

29/10/13 - Letter from Allied International Credit. Last chance for you to work with us Gonna ignore

06/01/14 - Letter from AIC. No payment has been made and this account is now considered to be in default. Please contact us to discuss this default.

26/02/14 - Letter from Barclayshark Account has now been passed to Wescot.

01/03/14 - Letter from wescot please pay immediately.

11/03/14 - Letter from Wescot. Reminder notice to pay.

21/03/14 - Letter from Wescot. reduced Settlement offer. Gonna ignore.

09/04/14 - Letter from Wescot. Take opportunity to take control of your outstanding balance.

20/04/17 - Letter from 2f. Confirmation of residency. Our inquiries indicate that your are resident at the above address. Please contact us.

19/06/14 - Letter from Barclaycard. Debt being transferred to MKDP LLP.

16/06/15 - Letter from MKDP account statement with nothing on it

07/10/15 - Letter from Hoist. They are stating they have took over the balance from MKDP LLP. Robbing Scum will manage the account. Will send a account in dispute letter.

26/10/15 - Letter from Robbin Scum. Writing to to say they have noted dispute. Will write again.

[Adinuff]

Re: Adinuff's UE Diary

Egg Card (wife)

Balance Approx - £2570.62

Default date - Approx 2006

Default Amount Not known

DMP (Payplan) - £7.46 Stopped Paying

Barclays bank Plc CDS Collections

21/01/13 - SAR and CCA request sent too Barclaycard
18/02/13 - Letter received Acknowledging receipt of request. Will respond asap.
21/02/2013 - Letter received from barclaycard too say they have been careless with CCA :-)Cant enforce, would u be soo nice and keep up payments :-D
07/03/13 - stopped payment
19/06/13 - Received letter from BC that they have not received any payment for the account. Please make immediate payment. Gonna ignore.

12/07/13 - Letter from Barclaycard stating that we have not received any payment. BLAH
11/08/13 - Letter received from Barclaycard. we are writing to let you know we have not received any payment for the above account. Please make immediate payment for full outstanding balance.

01/10/13 - letter from Barclayshark. Formal demand for payment. as you have not responded to the default notice you were sent my Mercers Debt Collection Ltd. Payment of the outstanding balance shown above is now due in full. this formal demand is a legal document. we are notifying you of our intention to file a default at the credit reference agencies.

16/10/13 - letter from Barclayshark. Your account has now been passed to Wescot Credit Services.

20/10/13 - Letter from Wescot. Please pay us immediately. Gonna ignore

30/10/13 - Letter from Wescot. Final Notice. Our latest enquiries have now confirmed you are still resident at this address.

09/11/13 - Letter from Wescott. Reduced settlement offer. Gonna ignore

27/11/13 - Letter from wescott. Please contact us. Gonna ignore.

08/12/13 - Letter from Wescott. Sent an income and expenditure form. Gonna ignore.

27/11/13 - Letter from Wescott. Please call us. Gonna ignore

[Adinuff]

Re: Adinuff's UE Diary

Barclays Bank (joint current account)

Balance approx £4785.11

Default date 08/2006

Default amount £6011

DMP (Payplan) - £13.89 monthly Stopped Paying

Barclays Bank Plc CDS Collections

21/01/13 - SAR sent
21/02/13 - SAR received. All statements received.Need advice on claiming back charges and validity of OD if applicable

06/03/13 - CCA request sent as per template on Overdrafts section

07/03/13 - reduced payment to £1

14/03/13 - Received letter back from Barclays stating : You have asked copies referring to Consumer Credit Act. Sections 77 and 79 do not apply to running account credit agreements, such as overdrafts. therefore they are irrelevant to your current account overdraft. Section 78 does apply to running account credit agreements, but it refers to "executed agreements(if any)"
Barclays standard practice means that customers did not sign agreements for overdrafts on current accounts so no executed agreement within the meaning of section 78. (provided at relevant time) that overdrafts on current accounts do not need to be documented in the same way as loans and CC agreements. Section 78 also refers to a statement of accounts, which will be provided upon payment of £1.

24/03/13 - Drafted response letter in templates section. Will post tomorrow

19/6/13 - Received letter from CDCS Collections Services. According to our records there is an arrangement in place for the above account to receive repayment of no less £xx.xx. Payments must be made asap.Gonna ignore

18/07/13 - FINAL NOTICE - unless full settlement is made immediately your account will be place in the hands of a professional debt Collection agency for the recovery of full balance. Please be aware that we may transfer funds that you owe in current, savings or other accounts to reduce or repay in full. Gonna Ignore but need some advice.

26/07/13 - Letter from Barclays .Responsibility for collecting debt has been transferred to BCW Group limited. Ignore

29/07/13 - Letter from BCW group we have been instructed by Barclays to recover an outstanding amount of £5330.48.

09/08/13 - Letter from BCW Group. We wrote to you recentloy regarding your outstanding balance with Barlcays PLC and regret to note the blance of £5330.48 remains outstanding. We are in a postion to provide support and adivce. But if you do not contact us we will have no option but to escalate thisd matter. Gonna ignore.

13/08/13 - Letter from BCW group. We have written to you on two separate occasions and you have ignored both attempts to contact you. In the previous letter we mentioned that we have a very limited time scale in which to resolve this matter given the age and value of the debt occurred this period has now elapsed and a report has been submitted to a debt investigation officer. The officer may conduct a site visit to your home to assess your circumstances and to make arrangements for repayments.

14/08/13 - Letter received from BCW Group. We recently wrote to you regarding the outstanding balance with our client, and we regret to not the balance still remains outstanding. With this in mind , i am able to offer you an opportunity at a discounted rate of 40%. Please ring immediately to discuss this matter further.

23/01/14 - Letter received from Barclays. Your account has now been passed to moorcroft .

27/01/14 - Letter received from Moorcroft. The purpose of this letter is to ask you to contact us so we can discuss repayment of this account. please contact us in 7 days.

10/02/14 - Letter from Moorcroft. To prevent further action please send payment in full before 17/02/14. if not we will consider further action. Gonna ignore.

24/02/14 - Letter from Moorcroft. Monthly installment offer. Gonna ignore

27/04/14 - Letter from Moorcroft. Discount offer available. Please ring and discuss possible agreement. Gonna ignore.

28/05/14 - Letter from Home Collection /services. Could be debt free if you agree interest free installments or substantial discount.

[Adinuff]

Re: Adinuff DFD

Hi IF,
I managed to find in end.

Thanks

Adniff

[IF]

Re: Adinuff DFD

I've moved your thread to the UE diary section Adinuff. Please do a post for each debt as below.

Please could you read the post below from Never-in-Doubt what to do next. The more information the better for Niddy.

Best wishes on your UE journey
IF…x

Click on link ------ > Unenforceability Diaries - Read me First! - allaboutFORUMS

To help me, to help you, please provide the following information for each account:

• Type of account (credit card/loan)
  
  
• Date commenced (ideally before Apr 2007)
  
  
• Approx balance
  
  
• Date last paid (approximate date you last made a FULL payment)
  
  
• Are you on arrangement or not paying
  
  
• Status (default/in arrears/up-to-date)
  
  
• Account owner (who is writing to you, a DCA or the lender)

Providing the above information, for each account helps me. Then, when you start the process lay your diary out in a format like this example

---> Example of perfect layout

All you have to do is read down, you'll see Pixie has placed each account in its own post with updates in colour under each so when she updates these, it is easier for me to spot any changes and advise accordingly.

[Adinuff]

Hi everyone,
ive been advised to start a DFD. Just been looking not many people are doing this Im wondering if i am in the right place. Do i need a new thread for every debt or just 1 thread for all of them

Adniff