Patch's Diary

[patchouli]

Re: Patch's Diary

• Type of account MBNA CC (hubbys)
  
  
• Date commenced pre 2007 (read quote below)
  
  
• 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

OK found this on Noddle today 22nd May 2014... so the pre 2007 must be rubbish... I honestly thought it was before 2007... oh well
Account start date
12/02/2009

Account end date
30/03/2013

Date of default
31/01/2013

Default balance
£ 2,790

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.
22nd May (dated 21st may) CCA arrived and signed by hubby on 8th Feb 2009....
1st December 2014 LINK FINANCIAL letter suddenly arrives from LINK outsourcing..?? "Statement of account"
7th April 2015 LINK FINANCIAL You haven't called us.
8th June 2015 LINK FINANCIAL Statement of account arrives again.
26th October 2015 Letter from LINK FINANCIAL saying they give us 14 days notice that the account will be passed to MESSRS KEARNS solicitors without further reference to us.
18th November KEARNS SOLICITORS sent a LETTER BEFORE ACTION . We have 14 days to pay outstanding balance or they will issue court proceedings.
25th November LBA signed for by P. Baker.
11th December KEARNS SOLICITORS sent letter dated 3rd December saying they have requested copies of various documents from MBNA.

11th December KEARNS SOLICITORS sent letter dated 3rd December saying they have requested copies of various documents from MBNA.

[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

4th August Sold in Dispute sent.

5th August SID letter signed for.

16th August WESTCOT reply with acknowledgement of SID letter and they are looking into it.

6th November arrived 8th November letter from Barclaycard saying they have 'passed on' the account to ROBSON WAY

12th Nobvember letter from ROBSON WAY saying they are authorised to negotiate payment, if we dont pay they may keep calling and writing to us.

22nd November ROBSON WAY "We understand that in these difficult times...." Filed and ignored.

11th December ROBSON WAY Letter, call us to arrange payment

13th February 2015 - ROBSON WAY You haven't paid, we can help, call us

4th March - ROBSON WAY You still haven't called us.

22nd May - Letter from BARCLAYCARD and MKDP in the same envelope. Barclays advise me they have transferred and assigned the account to MKDP

1st June - MKDP letter you haven't offered to pay us!

8th June MKDP You still haven't paid us so we now have no option but to transfer your account to KEYNES, call us or we will do this!

21st July MKDP You still haven't paid so we are now referring your account to MKDP LLP who may commence litigation against me.

6th August MKDP You still haven't paid so now we have no option but to referr your account to KEYNES additional charges will be added to your account.

12th August - arrived on 26th August - NOTICE OF INTENDED LEGAL ACTION .. MKDP You failed to respond so we have instructed KEYNES COLLECTIONS to collect the outstanding balance on our behalf. Letter is a formal demand for payment unless full payment is made in 14 days (I didn't get it until today!!) legal action may be taken against you.

need to add date - Sent them LBA letter

need to add date - They signed for it

5th September MKDP letter dated 2nd September saying you sent an LBA and mentioned a Section 78 request but we have never had one so do it now and we will get back to you.

17th September I sent a letter saying "yes you did get a CCA, it was signed for by XYZ..."

18th September letter signed for by ROOKE

8th October letter dated 3rd October... From ROBSON WAY saying they have noted the dispute/query and have stopped all collection activity while they make enquiries. Why Robson Way? I wrote to MKDP...

19th November letter dated 12th from ROBSON WAY saying they still have no reply from original creditor.

26th December letter from ROBSON WAY saying they still have no reply from original creditor.

2016

13th January letter dated 7th from ROBSON WAY saying they need a formal request for the agreement.

But I already have, it was signed for and then I sent the following to remind them I had requested it and that they had signed for it... so wtf are they playing at now? I reckon they CANT get any paperwork so are mucking about....

I would literally write back saying "please refer to my letter dated XX/XX/XXXX which was signed for, by a nominated person at your office on XX/XX/XXXX. Please deal with the content within that letter to allow me to determine any liability towards you, if any. Until such time you do respond, I understand that this account remains unenforceable in line with s.127(3) Consumer Credit act 1974."

That is the sensible option.....

So what do I do now? *scratches head*

[patchouli]

Re: Patch's Diary

duplicate post sorry

[patchouli]

Re: Patch's Diary

ooohhh here is a copy of the letter

[patchouli]

Re: Patch's Diary

Should I do nothing or should I send my original letter saying yes you have seen the CCA.... it's weird they claim to need it when I told them they had it and they 'kinda' acknowledged it too... wth are they up to?

[cymruambyth]

Re: Patch's Diary

A few people seem to have received the same letter http://forums.all-about-debt.co.uk/s...E-Diary/page31 .

[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
  
  
• 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)
9th 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)
26th November - Letter from Barclays saying the debt has been passed on to MOORCROFT.
29th November - Letter from MOORCROFT saying they have my debt.
6th December - Letter from MOORCROFT saying they haven't been able to contact me if I don't reply to this letter they will be forced to contact me again or another DCA might.
26th December 2014 MOORCROFT installment offer
10th January 2015 MOORCROFT you havent paid
20th january MOORCROFT discount offer
24th March 2015 letter from both BARCLAYCARD and MK Rapid Recoveries saying they have bought the interest in the account
8th April MK Rapid Recoveries you haven't paid
20th April MK Rapid Recoveries you still havent paid.
21 October 2015 Letter from HOIST PORTFOLIO HOLDING 2 LIMITED telling me MKDP has sold all rights to them, HPH2. They have instructed ROBSON WAY to collect payment.
26th November letter dated 21st from saying they want to work with me to get a payment agreement. Enclosed a financial statement form.
2016
18th January 2016 letter dated 12th January from ROBSON WAY saying their client HPH2 LTD has offered me a 50% deal.

18th January 2016 letter dated 12th January from ROBSON WAY saying their client HPH2 LTD has offered me a 50% deal.

Will file this...

[patchouli]

Re: Patch's Diary

A few people seem to have received the same letter http://forums.all-about-debt.co.uk/s...E-Diary/page31 .

Ahhh cool.. so sit and wait?

[marypoppins]

Re: Patch's Diary

http://forums.all-about-debt.co.uk/s...l=1#post548302

Niddy's advice here patchouli

[patchouli]

Re: Patch's Diary MBNA March 2016

OK my hubby is crapping himself about what just arrived in the post. He's telling me I should never have started this, I should just pay and he's worried about a CCJ....

So, what do we do? pay up? Make an offer? carry on arguing?

They sent a HUGE wad of paper...

• Type of account MBNA CC (hubbys)
  
  
• Date commenced pre 2007 (read quote below)
  
  
• 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

OK found this on Noddle today 22nd May 2014... so the pre 2007 must be rubbish... I honestly thought it was before 2007... oh well
Account start date
12/02/2009

Account end date
30/03/2013

Date of default
31/01/2013

Default balance
£ 2,790



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.
22nd May (dated 21st may) CCA arrived and signed by hubby on 8th Feb 2009....
1st December 2014 LINK FINANCIAL letter suddenly arrives from LINK outsourcing..?? "Statement of account"
7th April 2015 LINK FINANCIAL You haven't called us.
8th June 2015 LINK FINANCIAL Statement of account arrives again.
26th October 2015 Letter from LINK FINANCIAL saying they give us 14 days notice that the account will be passed to MESSRS KEARNS solicitors without further reference to us.
18th November KEARNS SOLICITORS sent a LETTER BEFORE ACTION . We have 14 days to pay outstanding balance or they will issue court proceedings.
25th November LBA signed for by P. Baker.
11th December KEARNS SOLICITORS sent letter dated 3rd December saying they have requested copies of various documents from MBNA.
24th December letter dated 14th December from LINK FINANCIAL statement of account.

[nanna58]

Re: Patch's Diary

Hang on Patch someone will be along soon xx

[cymruambyth]

Re: Patch's Diary

Have you sent the CCA to Niddy? If not send an unedited copy to him at webmaster@all-about-debt .co.uk

[patchouli]

Re: Patch's Diary

ok thank you will do..

[SaltnVinegar]

Re: Patch's Diary

Hi Patch

Ok, so you have been sent a great big paper (literally) weight! The amount of documentation sent doesn't mean that things are lost, in fact, depending on the QUALITY of the documententation provided they may have just shot themselves in the foot. Look at the things that could go wrong from their perspective:

The Agreement could be faulty
The Default Notice could be faulty
The Termination Notice could be faulty

If you have the ability to just 'pay up' then you can do that at the 11th hour if needed but there is a long way to go before then. If you want to just pay up, then you still have the opportunity to negotiate a deal.

What you should be getting right now is also a sense of satisfaction that you are making them work HARD for their money. If nothing else the cost of administration, paper, postage etc has made this less profitable for them!

Important thing is not to panic and make a rushed decision biased by stress. You've got a few days to think about things and what your next move will be. The legal experts I'm sure will be along soon to help you with that.

Best
SnV

[patchouli]

Re: Patch's Diary

Thank you SV!!

Its him though not me lol... He said "But they have my signature, they have sent all the forms, we'll have to pay"..... and I said "Yeah they sent all that for my £20k loan too and Niddy said that was enforceable... they still wrote it off!