Patch's Diary

[patchouli]

Re: Patch's Diary

Normal response from Barclaycard.....I'd just ignore that if it were me....... and wait until you hear from Mercers.....

At that point they should stop interest..........

Didn't take long....

Scary letter from Mercers in red... lol




Do I ignore? Send sold in dispute? Go into hiding? lol

EDITED TO ADD: there was a side b to that letter.. do I need to put that up here too?

[nightwatch]

Re: Patch's Diary

has side b, any mention of OFT or an OFT leaflet

[Deepie]

Re: Patch's Diary

It's just a default notice just file it........ nothing to send......

[patchouli]

Re: Patch's Diary

has side b, any mention of OFT or an OFT leaflet

OFT leaflet included in envelope.

[patchouli]

Re: Patch's Diary

It's just a default notice just file it........ nothing to send......

Thanks

[patchouli]

Re: Patch's Diary

• Type of account MBNA CC (hubbys)
  
  
• Date commenced pre 2007
  
  
• Approx balance £2455.73
  
  
• Date last paid £20 December 2013
  
  
• Are you on arrangement or not paying being a goon again! *sigh* have learnt lesson though now
  
  
• Status Default so goodness knows where the money is going?
  
  
• Account owner Link Financial Outsourcing
• Current state of play

19th February sent a CCA request
26th February (dated 24th) letter arrived confirming my request for CCA. They don't have the documents so have asked MBNA for it.

26th February (dated 24th) letter arrived confirming my request for CCA. They don't have the documents so have asked MBNA for it.

[patchouli]

Re: Patch's Diary

• Type of account Barclays CC (mine)
  
  
• Date commenced05/06/1998
• Approx balance £2,481.48
  
  
• Date last paid December 2013
  
  
• Are you on arrangement or not paying not paying since December 2013
  
  
• Status UTD
  
  
• Account owner Barclaycard
• Current state of play

24th January 2014 - Two texts telling me to expect a text, two texts telling me I am late paying.
And now the automated calls have started.....
28th Jan - text "Barclaycard are here to help"
29th January 0844 calls at 08:51 - 18:43 - 20:15 - 20:16 - 20:16
30th January 0844 calls at 08:43 -
31st Jan 0844 calls at 09:38 - 19:09 - 20:37
1st February - text telling me to expect a text. Text then telling me I was a 'little late' again.
2nd Feb - 0844 calls at 09:38 - 18:05 - 20:20
4th Feb - 0844 calls at 11:58 - 18:14
5th Feb - text telling me I am a little late paying
6th Feb - 09:33 - 19:08 - 20:36
7th Feb - 0844 calls - 17:52
8th Feb - 0844 calls - 17:40 - 19:59
13th Feb - text telling me to expect a text.
13th Feb - Text telling me my payment is a 'little' late.
17th Feb - text telling me they are here to help if I need them... nope.. I has AAD!
20th Feb - 0844 calls at 09:13 - 09:14 - 18:53 - 19:09 - 22:25 -
22 Feb - 0844 calls at 09:47 - 18:21 - 20:34 -
24th Feb - 0844 calls at 08:59 - 20:18 -
25th Feb - text telling me my credit rating could be affected... HA! No shit Sherlock!
26th Feb - 0844 calls at 09:31 -


12 texts
31 calls

I am sending a CCA request to these people tomorrow.. should I also add a letter telling them to stop calling / texting as 12 texts and 31 calls in 4 weeks is stupid.

[Undercover Elsa]

Re: Patch's Diary

Hi Patchouli,
The calls/texts will probably cease once they receive the CCA Request, until they process it.
If they don't, you could send them this:
http://www.all-about-debt.co.uk/old/...t-by-telephone

Elsa x

[patchouli]

Re: Patch's Diary

Hi Patchouli,
The calls/texts will probably cease once they receive the CCA Request, until they process it.
If they don't, you could send them this:
http://www.all-about-debt.co.uk/old/...t-by-telephone

Elsa x

Ahhh that's good.. thank you I didn't know that!

[SaltnVinegar]

Re: Patch's Diary

I am sending a CCA request to these people tomorrow.. should I also add a letter telling them to stop calling / texting as 12 texts and 31 calls in 4 weeks is stupid.

Yes it is stupid - but works in your favour especially if they keep calling after you ask them not to (see recent court cases).

[Locke]

Re: Patch's Diary

When you say text are they texting your house phone so it rings and you hear a message?

[patchouli]

Re: Patch's Diary

When you say text are they texting your house phone so it rings and you hear a message?

No I unplugged our house telephone about 2 years ago as I was sick of HBOS calling for money!! lol

This is my mobile.. goodness knows how they got the number, although it is on my business website contact details but one would have thought if they had that then they'd be calling my business 'phone too... But then I never answer the business line, I always let it go through to answer machine and I have had some odd blank messages or 'fax machine' messages left before.

Anyway... where was I? Oh yes... no this is all on my mobile number.

[patchouli]

Re: Patch's Diary

• Type of account Was Skycard, they changed it to Barclays Gold CC (hubbys)
  
  
• Date commenced Sky 2005 - change 2007
  
  
• Approx balance £1,663.06
  
  
• Date last paid Always pay minimum
  
  
• Are you on arrangement or not paying
  
  
• Status UTD
  
  
• Account owner Barclaycard Gold Mastercard
  
  
• Current state of play
  Stopped paying in December 2013.
  
  Letter received 28th December 'you haven't paid, we can take from current account if you have one'not 100% sure I 'have' one?

Letter received 25th January 'You bad boy, you still haven't paid so we are passing it over to Mercers, which is still us but with a scary name... perhaps... so pay up or we will write to you again!'

Sent CCA request 27th Jan 2014

CCA signed for by Luke Hawker on the 28th Jan

Letter received 4th February saying they got the CCA request and are dealing with it.

7th February CCA forms arrived...

10th February Sent CCA forms to Niddy to look at.

11th February Niddy says UE, I need to send missing PT's.

12th Feb missing PT sent via signed for.

13th Feb signed for by "Printed name: BARCLAYS"

20th Feb letter saying we have done what we should have, quoted Carey v HSBC and I still owe them.

21st Feb letter dated 14th Feb from Mercers saying they are chasing the debt and want payment or else!

28th Feb letter dated 23rd Feb from Mercers saying despite their efforts to contact him he hasn't paid so they may pass account over to a specialist collections mob who may call at our address... good luck with that.

Got this in the post today...

[nanna58]

Re: Patch's Diary

I would send a SWID with the doorstep collections template ..... we have all manages to keep our doorsteps do far xx

[patchouli]

Re: Patch's Diary

It hasn't been sold though?

Yet...