Patch's Diary

[patchouli]

Re: Patch's Diary

Was a SID letter ever sent to Wasteclot?

If not, it might be a good idea to send it sometime. I would let a bit more time run off the clock first, though, because they are just playing silly games with telephones at the moment.

SH

No, never sent one... might wait until nearer Xmyth so that hopefully they'll 'investigate' well into Summer!

[ScabHunter]

Re: Patch's Diary

Was a SID letter ever sent to Wasteclot?

If not, it might be a good idea to send it sometime. I would let a bit more time run off the clock first, though, because they are just playing silly games with telephones at the moment.

SH

[patchouli]

Re: Patch's Diary

Hello everyone!!

Hope you are all fine.. will catch up on all the goings on since I was last here at the begginng of August. Have been so busy that I have literally been reading the letters arriving and filing them...

Lets start with hubby's Barclaycard.... last contact from us was to say it was sold in dispute.. last contact from them was in August to say they are looking into it.

Now my Barclaycard has been a little more active..... should I send a SID letter to them too?

• 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
  
  
• Account owner Barclaycard / westcott
• 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 -
27th Feb - 0844 calls at 16:43
28th feb - 0844 calls at 09:11 - 18:52 - 20:23
1st March - text telling me they have tried to call me, I need to call them or pay at www.I'drathereatskunk.com
2nd March - 0844 calls at 09:25 - 17:44 - 19:57
4th March - 0844 calls at 08:47 - 18:40 - 20:14
5th March - text telling me they have tried to call me, I need to call them or pay at www.kissmyass.com
6th March - 0844 calls at 09:25 - 19:01 - 20:34
12th March, had enough of all the calls to my mobile so I diverted them all to voice mail :-)
14 texts
45 calls

27th February CCA request sent.
3rd March CCA signed for by 'JOHN' .. does this mean the texts and calls will stop?
7th March letter dated 3rd March arrives.. they are concerned and I need to pay or they will 'Set off' on my Barclays account.
8th March letter dated 5th March arrives.. Reply to my CCA arrives, no signature. Copy sent to Niddy. UE must send MPT
26th March letter dated 19th March from Mercers DEFAULT...
27th March sent MPT
28th March missing PT signed for by STARTIN
3rd April letter dated 28th March arrives, no mention of MPT but saying they will pass debt on.
10th April letter dated 1st April saying they have replied to my query regarding MPT pay up.
29th April letter dated 23rd April saying Despite our efforts, you need to call us, may be passed on to local DCA, may call at your address, call us now.
28th May letter dated 21st May from MERCERS.. we can help, call us now, I've missed 5 payments, if I pay 3 now they will pay the other two. No mention of my request for missing terms.
4th July undated letter from MERCERS ... We would like to discuss your current situation and offer you repayment options or we will close your account and the full amount will be due.
6th August letter dated 1st August from Barclaycard saying Formal Demand for Payment - as I haven't complied with the default notice payment is due in full within 14 days. If I don't then they will get a DCA involved and register my naughtiness with credit ref agencies..
13th August letter saying my account has been passed to WESTCOT I should contact them as a matter of urgency... filed
16th August letter from WESTCOT saying they have been isntructed by their client and I need to contact them in 10 days to avoid further recovery action... filed
26th August letter from WESTCOT saying they've confirmed I live here, if I don't contact them they will start telephone, text and letter harrasment... filed
28th August BARCLAYCARD send me improved terms and conditions letter.... do what now?... filed
5th September letter from WESTCOT offering reduced settlement on the £2,883.26 owed.... filed
21st September letter from WESTCOT again offering me an 'opportunity to take control in a way that suits me'... yeah well that would be to file this letter then.
2nd October letter from 2F (which is Westcot) bascially saying "we know you live there, call us or Barclays will be taking additional action to re-establish contact with you.... filed
6th October telephone answer message saying "Please telephone to as on 01482380680. we-are open from 8:00am to 8:00pm Monday to Friday and 8:00am to 4:00pm on ... Thank you." (my 'phone converts voice to text. The 'to as' is infact 2F)

.

[patchouli]

Re: Patch's Diary

I'd still send it if it were me.....they won't know it's in dispute........

Sent and it was signed for by them yesterday..... :-)

[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 -
27th Feb - 0844 calls at 16:43
28th feb - 0844 calls at 09:11 - 18:52 - 20:23
1st March - text telling me they have tried to call me, I need to call them or pay at www.I'drathereatskunk.com
2nd March - 0844 calls at 09:25 - 17:44 - 19:57
4th March - 0844 calls at 08:47 - 18:40 - 20:14
5th March - text telling me they have tried to call me, I need to call them or pay at www.kissmyass.com
6th March - 0844 calls at 09:25 - 19:01 - 20:34
12th March, had enough of all the calls to my mobile so I diverted them all to voice mail :-)
14 texts
45 calls

27th February CCA request sent.
3rd March CCA signed for by 'JOHN' .. does this mean the texts and calls will stop?
7th March letter dated 3rd March arrives.. they are concerned and I need to pay or they will 'Set off' on my Barclays account.
8th March letter dated 5th March arrives.. Reply to my CCA arrives, no signature. Copy sent to Niddy. UE must send MPT
26th March letter dated 19th March from Mercers DEFAULT...
27th March sent MPT
28th March missing PT signed for by STARTIN
3rd April letter dated 28th March arrives, no mention of MPT but saying they will pass debt on.
10th April letter dated 1st April saying they have replied to my query regarding MPT pay up.
29th April letter dated 23rd April saying Despite our efforts, you need to call us, may be passed on to local DCA, may call at your address, call us now.
28th May letter dated 21st May from MERCERS.. we can help, call us now, I've missed 5 payments, if I pay 3 now they will pay the other two. No mention of my request for missing terms.
4th July undated letter from MERCERS ... We would like to discuss your current situation and offer you repayment options or we will close your account and the full amount will be due.
6th August letter dated 1st August from Barclaycard saying Formal Demand for Payment - as I haven't complied with the default notice payment is due in full within 14 days. If I don't then they will get a DCA involved and register my naughtiness with credit ref agencies..

6th August letter dated 1st August from Barclaycard saying Formal Demand for Payment - as I haven't complied with the default notice payment is due in full within 14 days. If I don't then they will get a DCA involved and register my naughtiness with credit ref agencies..

Filed and ignored.

[patchouli]

Re: Patch's Diary

okies

[MrsD]

Re: Patch's Diary

recorded 2nd class, it should cost about £1.63 you need to be able to track the papertrail just in case there is ever a need

[patchouli]

Re: Patch's Diary

cool ok will do... do I need to send it tracked or can I just send it 1st class?

[nightwatch]

Re: Patch's Diary

I agree with tho others, send the Sold in dispute to wescot.
they have been passed the account from Barcs but won't of been given any back ground info on it

[cymruambyth]

Re: Patch's Diary

I agree with Deepie, it may not be sold but it has been passed on, so let them know it's in dispute

[Deepie]

Re: Patch's Diary

Mail just arrived!!

29th July Wescot letter saying they've confirmed he is living at this address, acting on behalf of Barclays (so not sold in dispute then?) if he doesn't contact them they will continue to call, text and letter..... wow... lol

I'll hold off the sold in dispute letter then as it seems they are acting on behalf and it hasn't been sold.

I'd still send it if it were me.....they won't know it's in dispute........

[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 December 2013
  
  
• Are you on arrangement or not paying
  
  
• Status not paid / default
  
  
• 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.

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.

25th March letter dated 18th March 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.... Same as last months letter.

23rd April letter dated 15th April from Mercers saying despite their efforts to contact him he hasn't paid and now owes 5 payments, if he is a good boy and pays 3 of them they "will credit your account with the remaining 2" nice underlining and bold effect but no thanks..

23rd May letter dated ... oh, it's not dated! Anyway from Mercers saying They would like to discuss the current situation, if I don't call then the account will be closed "and the full balance will become due immediately." *yawn*

5th July letter dated 1st July from Barclaycard, Senior Operations Manager, "As you haven't fully complied with default notice we sent you some time ago..account closed... balance due in full... we might sell to DCA..." yadda yadda yadda

16th July Barclays letter saying debt passed on to Wescot Credit Services Ltd.

19th July WESCOT letter telling us we can pay them and it is essential we respond in 10 days or recovery action blah blah...

29th July Wescot letter saying they've confirmed he is living at this address, acting on behalf of Barclays (so not sold in dispute then?) if he doesn't contact them they will continue to call, text and letter..... wow... lol

Mail just arrived!!

29th July Wescot letter saying they've confirmed he is living at this address, acting on behalf of Barclays (so not sold in dispute then?) if he doesn't contact them they will continue to call, text and letter..... wow... lol

I'll hold off the sold in dispute letter then as it seems they are acting on behalf and it hasn't been sold.

[patchouli]

Re: Patch's Diary

The new Sold in Dispute letter is here:

http://www.all-about-debt.co.uk/inde...in-cca-dispute

They did aknowledge my CCA request... they didn't send all prescribed terms.. do I still send that letter?

[PlanB]

Re: Patch's Diary

• Login denied! Your account has either been blocked or you have not activated it yet.

• Oops! It looks like something went wrong. Please try again.

Did it also say "unidentified package in the bagging area" ? That happens to me all the time in Tesco which is why I shop in Waitrose these days


How I long to give that woman a piece of my mind

[Never-In-Doubt]

Re: Patch's Diary

Man... this ... this is rude not everyone 'gets' the web...

Not at all, we posted a guide and then linked to the guide PRIOR to allowing any user registrations and all we asked was that you duplicate the same username and email address as the forum because we WILL merge accounts at some point so if you change details you'll be locked out of both the forum and AAD as the forum supersedes the website so all forum users will stay. regardless, it is not rude - it is frustration from people not reading the guide and rushing things.

Sadly I can't remember the EXACT same details.. so I guess I will be 'locked out'...

You can't remember your email address and username? Just click settings at the top right of the forum or click your username on any post and view profile. Then from the options down the left you will be able to change email address and password etc.

I'm sad... I'm not able to access shyt I did before...

Because we have protected our content as it was being stolen by lesser forums to use as their own, we have evidence of this as each template we used to use had a deliberate grammatical / typo which were shown on other forums. So we locked the new content and copyrighted the site so if people now steal the content we will consider legal action.

and I can't understand (as a web host /designer) why.

OH well... stuff happens.

Not at all, PM me or any site team if you need help. We are here to help, not hinder you

** I have literally JUST accepted your registration from today, you never clicked the activation email and you never tried to register before - certainly not using the email address or username you've currently registered with.

I suggest you check your spam folder / junk mailbox.