Patch's Diary

[patchouli]

Re: Patch's Diary

I just got a call from 01132856608... which according to Google is Lowell.... How did they get my number?
I'm in the process of CCA with them, latest was sending them a missing PT which they haven't replied to.

oh actually I did get a letter on Saturday which I chucked under the bed as it was my birthday lmao.. will go and see what it was.

[patchouli]

Re: Patch's Diary

wtf... now I have just had this number call me on my business line.... 08453007027 ... which apparently is Barclays!

[nightwatch]

Re: Patch's Diary

they will all try any way they can to get you, barstewards

[patchouli]

Re: Patch's Diary

OK the letter that arrived Saturday is from my Barclays in reply to my CCA request.. I see no signature though.

Will send a copy to you Niddy shall I?

[nightwatch]

Re: Patch's Diary

yes Patch send to his nidship

[patchouli]

Re: Patch's Diary

Nidship... *giggle*

On the go-oo-ood ship Ni-i-ddy-ee..

[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





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.

8th March letter dated 5th March arrives.. Reply to my CCA arrives, no signature. Copy sent to Niddy

[patchouli]

Re: Patch's Diary

• Type of account Loan HSPF (mine)
  
  
• Date commenced original October 2005, asked for more £ in 2008
  
  
• Approx balance £ 19,553
• Date last paid Last FULL payment 2012 I think
  
  
• Are you on arrangement or not paying Not paying but since 2012 was paying dribs and drabs
  
  
• Status um.. haven't paid, it's been sold ... default?
  
  
• Account owner Lowell

Just read this on Noddle:
Account start date - 07/10/2008


Opening balance -£ 27,603


Regular payment - £ 328


Repayment frequency - Monthly


Date of default -30/06/2011


Default balance - £ 19,553

• Current state of play -

CCA signed for 5/12/13

Reply to CCS request - 13/12/13 (letter dated 11/12/13)

They've contacted HBOS - 28/12/13 (dated 23/12/13)

They are still waiting for the agreement and wont write to me again until they have it - 03/01/14 (dated 30th/12/13)

7th February CCA recieved with my ruddy signature on... grr

10th February sent forms to Niddy.. I feel sick :-(

10th February got statement of account letter from Lowells

11th February as feared, Niddy says it is enforceable but has asked for more details as it is a "this is a preference account, ie a loan and overdraft or card and overdraft which were rather weird to say the least." Which is giving me hope!! Not sure what it means though lmao

12th Feb missing PT sent via signed for.

14th Feb missing PT was signed for

14th Feb letter arrived "We regret you've not paid, call to prevent action being taken" dated 11th Feb

12th March text message to my mobile saying I must call them.

13th March letter from Lowells saying they have replied to my request... they haven't, they didn't send MPT

12th March text message to my mobile saying I must call them....13th March letter from Lowells saying they have replied to my request... they haven't, they didn't send MPT

What do I do now? I'm feeling wibbly again!

[Never-In-Doubt]

Re: Patch's Diary

12th March text message to my mobile saying I must call them....13th March letter from Lowells saying they have replied to my request... they haven't, they didn't send MPT

What do I do now? I'm feeling wibbly again!

[ATTACH=CONFIG]11326[/ATTACH]

Ignore the texts and phone calls, but if a dca calls you at work that's different. They get your numbers from the CRA's and other third party firms such as N Hunter etc - ie you'll have supplied them originally as part of a past application.

I would literally respond to the above with a one liner referring them to your last letter dated xyz.

[patchouli]

Re: Patch's Diary

I would literally respond to the above with a one liner referring them to your last letter dated xyz.

ok thank you... Did you get the email with the other bullsh*t on? lol

[Never-In-Doubt]

Re: Patch's Diary

ok thank you... Did you get the email with the other bullsh*t on? lol

I released the read receipt lol - you know I've got it haha - but will check over the weekend as I tend to do agreements on weekends now.

thanks

[patchouli]

Re: Patch's Diary

Is this ok to send to Lowells?

Thank you for your letter dated 10^th march 2014 which arrived today. However I feel you are somewhat confused when you state “We wrote to you recently with the answer to the query raised on your account”.


On the 14^th February an 'S Fisher' signed for a letter sent by me requesting missing prescribed terms.

This request has not in fact been fulfilled and I trust you will now do as requested and forward said terms to me as soon as possible.




Also, while I have your attention I would like to insist that you cease all contact with me other than by letter. That includes calling any telephone or mobile telephone numbers you 'think' may belong to me and text messaging.



Yours faithfully,

[Never-In-Doubt]

Re: Patch's Diary

Yea looking good

[patchouli]

Re: Patch's Diary

I released the read receipt lol - you know I've got it haha - but will check over the weekend as I tend to do agreements on weekends now.

thanks

Sorry, I know you have the email. I do not know if it had the file attached correct though as it was a large zipped file. The read receipt doesn't confirm that. Just that you opened the email and clicked yes to the read receipt.

[Never-In-Doubt]

Re: Patch's Diary

Sorry, I know you have the email. I do not know if it had the file attached correct though as it was a large zipped file. The read receipt doesn't confirm that. Just that you opened the email and clicked yes to the read receipt.

Yea we have custom mailboxes so the size isn't a problem, but yes I have the zip - it's on one of the drives ready to check at the weekend