Patch's Diary

[nightwatch]

Thanks Di xx

[Joanna Connolly Solicitors]

I was talking to the lovely Di on the phone almost weekly and emailing her regular as I know she left here, but then she vanished! I wrote to Jo asking how Di was as I was worried and how the MBNA case was and she said both were fine and not to worry so I took that as stop harrassing Di and MBNA is over... lol

Here I am

I'll read back through the history of this Barclaycard before suggesting the next step for your Hubby.

You've got 30 days from the date of that Letter Before Claim to respond (or not) so no need to rush it. In some circumstances it's better to ignore it, in others that would be a disaster. We'll see.

The account will have vanished from your credit file if was defaulted more than six years ago so the whole entry disappears on the sixth anniversary.

The Default Notice will matter (to them!) so do you know if one was received and if so was it from Mercers who were involved at one point?

We (Jo + me) favour box D (dispute) but don't tell them why in case they remedy the problem. Asking for documents only gives them the opportunity to go looking for them or reconstitute them which is what you don't want to happen.

(I hope your new Landlord is better than your last one . . . )

Di

[patchouli]

ahhhh is she!!! How lovely!!

OK so things certainly have changed. I'll give her a chance to stumble across this post before I go pm'ing :-)

[nightwatch]

Hi Patch,
am not up to speed on the new way of doing things, that is why I said contact Di as there are different ways to answer them( she is back on here, but not all the time) I think you say you are disputing the debt but DO NOT tell them what it is you are looking for, If there is a request for information about the debt, tick that box, don't rush you have till 2nd week in Feb.
I think they have to disclose all the paperwork they will rely on if they continue to court,
they have 30 days to send it to you

[patchouli]

As for the Letter of Claim... Should I tick box D - I dispute the debt and send a cover note stating that I am waiting for a reply to my CCA missing PT and SID letters dated 2015...

[patchouli]

Hello NW!

I was talking to the lovely Di on the phone almost weekly and emailing her regular as I know she left here, but then she vanished! I wrote to Jo asking how Di was as I was worried and how the MBNA case was and she said both were fine and not to worry so I took that as stop harrassing Di and MBNA is over... lol

[nightwatch]

I would contact Di She works with Jo, see if she can shine a lite in it for you,

[patchouli]

This is odd.... I just looked on Hubby's Noddle report and the above card isn't listed on there.

However his MBNA card is as default and we paid a Solicitor, Joanne Connolly?, ages ago to sort this out so I am not sure what is happening! *scratches head*

[patchouli]

Hello!!!

Oh my goodness I haven't been here for so long!!! You've gone all red and blue!

Well we had a horrible couple of years, living in a nasty house with a nasty LL and moved in to this house last October.

I guess it's taken the DC's a while to find where we vanished to and was greeted by a letter for Hubby's Barclays CC this morning from Howard Coh£n.

I'm a bit rusty on all this now so not sure if I should smile and file or send some letters out like LBA ?

Your advice, as ever, is greatly appreciated.

LETTER OF CLAIM

acting for Hoist Port etc... intention to issue proceedings in the County Court.

Letter sent in accordance Pre-Action Protocol.....

I & E form included

I have until 2nd week of February to fill in the form or it could result in blah blah blah...

• 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.

6th February Notice Of Assignment MKDP LLP has assigned to HOIST portfolio HPH2 Ltd

17th March 2016 Letter from ROBSON WAY which I presume is for this account to hubby saying they have been given this address as his contact address can we confirm.

7th April letter from HOIST PORTFOLIO to inform us the rights, title and interest of the account has been assigned by MKDP LLP to and that ROBSON WAY has been appointed by HPH2 Ltd to manage the account. Then a second sheet outlining our payment options.

21st April letter from ROBSON WAY NO MINIMUM PAYMENT REQUIRED Take control contact us before 2nd May and tell us what YOU can AFFORD. Filed.

10th May 2016 Letter from ROBSON WAY saying What are you able to pay? we want to work with you... enclosed is a financial statement.... filed.

21st May letter dated 17th May from ROBSON WAY asking if they have address correct...? Are they stupid?

12th July letter dated 6th from ROBSON WAY asking "What are you able to pay?" .. filed ... they are clearly a bit thick, I feel sorry for them.

3rd August letter dated 28th July from Pre-Legal Assessment telling us they are going to pass it on to Howard Coh£n... seriously.. it can't be worth it for them can it?

17th January 2018 - Letter from Howard and Conartists - LETTER OF CLAIM

[Pixie]

Re: Patch's Diary

Quite a few of these letters from Robinson Way flying around at the moment. If you haven't already sent the Sold While in Dispute template I would be sending it off now.

The forum has been having server problems ---> http://forums.all-about-debt.co.uk/s...590#post571590

[cymruambyth]

Re: Patch's Diary

No, but as you know they like to try to bully and scare people

[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 COLLECTIONSto 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.

6th February Notice Of Assignment MKDP LLP has assigned to HOIST portfolio HPH2 Ltd

17th March 2016 Letter from ROBSON WAY which I presume is for this account to hubby saying they have been given this address as his contact address can we confirm.

7th April letter from HOIST PORTFOLIO to inform us the rights, title and interest of the account has been assigned by MKDP LLP to and that ROBSON WAY has been appointed by HPH2 Ltd to manage the account. Then a second sheet outlining our payment options.

21st April letter from ROBSON WAY NO MINIMUM PAYMENT REQUIRED Take control contact us before 2nd May and tell us what YOU can AFFORD. Filed.

10th May 2016 Letter from ROBSON WAY saying What are you able to pay? we want to work with you... enclosed is a financial statement.... filed.

21st May letter dated 17th May from ROBSON WAY asking if they have address correct...? Are they stupid?

12th July letter dated 6th from ROBSON WAY asking "What are you able to pay?" .. filed ... they are clearly a bit thick, I feel sorry for them.

3rd August letter dated 28th July from Pre-Legal Assessment telling us they are going to pass it on to Howard Coh£n... seriously.. it can't be worth it for them can it?

3rd August letter dated 28th July from Pre-Legal Assessment telling us they are going to pass it on to Howard Coh£n... seriously.. it can't be worth it for them can it?

Do I ignore this or ...?

[patchouli]

Re: Patch's Diary

Goodness it's been a job trying to get on here the last 24 hours... server too busy... hopefully from readers and not a DOS.. right, i need to try and finish the post I started last night lol

[patchouli]

Re: Patch's Diary

Your item with reference **************GB was delivered from our LEEDS Delivery Office on 13/07/16
signed for by Simpsons

[patchouli]

Re: Patch's Diary

ok cool thank you so much!

LBA being sent to HC today.