Patch's Diary

[patchouli]

Re: Patch's Diary

Well I have printed off a copy of the Lowells write off £0.00 letter.... if anyone says we failed due to credit checks I shall waft it under their noses and say "Nuh ah!"

[nightwatch]

Re: Patch's Diary

Ahhh write to Lowells... I tried to dispute with Noddle but they rejected it:

I'm guessing rental agencies would use one of the bigger CRA though?

Noddle/ clearscore get their info from the bigger CRA's, who all say you should contact the company supplying the data first, then if they don't do anything you can raise a dispute with them.

[nanna58]

Re: Patch's Diary

All the best Patch x

[patchouli]

Re: Patch's Diary

Thank you nigtwatch xx

Thank you Nanna xx

[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.

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.

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.

I can't thank AAD enough..... when I joined every letter made me think OH NOES!..... I now read and think... meh.... Thank you Niddy and AAD!! xx

[patchouli]

Re: Patch's Diary

Noddle sent a reply back saying they agree, the account shouldn't show the debt...

Current credit score = 493 (is this bad?)

It is updated in 5 days... will be interested to see how it changes :-)

[swanfan]

Re: Patch's Diary

Current credit score = 493 (is this bad?)

Similar to mine, it's meaningless, ignore it! :P

[patchouli]

Re: Patch's Diary

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.

I can't thank AAD enough..... when I joined every letter made me think OH NOES!..... I now read and think... meh.... Thank you Niddy and AAD!! xx

21 May 2016 Another letter from ROBSON WAY this time asking if the address they are sending letters to is correct...? Filed, ignored.

[The Tech Clerk]

Re: Patch's Diary

21 May 2016 Another letter from ROBSON WAY this time asking if the address they are sending letters to is correct...? Filed, ignored.

kindergarten must be out!

[patchouli]

Re: Patch's Diary

They still havent sent me the details I asked for, told me twice they were working on it then said they needed a formal request despite already having one... stupidity at a new level.

[patchouli]

Re: Patch's Diary

Noddle sent a reply back saying they agree, the account shouldn't show the debt...

Current credit score = 493 (is this bad?)

It is updated in 5 days... will be interested to see how it changes :-)

ooohhh gone up to 508 ...

[cymruambyth]

Re: Patch's Diary

The more you check, the more you bring yourself to the attention of banks etc! Why are you checking ?

[Pixie]

Re: Patch's Diary

Please don't keep checking your credit score Patch. Like Cym says it brings you to the attention of the banks. I haven't checked mine for years...I know my score is rubbish so what's the point?

[patchouli]

Re: Patch's Diary

oh... why does it do that?

And what is the harm in that?

[MrsD]

Re: Patch's Diary

everytime you go on to your credit score, you confirm all your contact details for God knows who to pick up

I haven't looked at mine for over 5 years, who cares what a private company says?