Patch's Diary

[patchouli]

Re: Patch's Diary

lol should say 3rd, it arrived yesterday... have been up since 4am .. scrambled brain!

[Enforcer]

Re: Patch's Diary

Keep that letter safe. Could become a collectors item,they have stated that they stopped this practice this week!

[patchouli]

Re: Patch's Diary

Keep that letter safe. Could become a collectors item,they have stated that they stopped this practice this week!

Really! well well... perhaps it was delivered by 3 legged stoned Unicorns hence it's late arrival...

[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 UTD
  
  
• 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'not 100% sure I '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

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

I'm pretty sure I didn't get a default notice... or rather not a letter that called itself a default notice or will it have been any letter with the words in?

Also.. still no missing terms sent.

EDIT:

My bad.. just looked through the letters and this one is an official default notice served to hubby:

21st Feb letter dated 14th Feb from Mercers saying they are chasing the debt and want payment or else!

[Pixie]

Re: Patch's Diary

I would just wait and see who they pass it on to then send SWID.

[nightwatch]

Re: Patch's Diary

was the default from Mercers? only ask as they are well known for dodgy Defaults, not that it makes much difference at this time was just wondering. xx

[patchouli]

Re: Patch's Diary

was the default from Mercers? only ask as they are well known for dodgy Defaults, not that it makes much difference at this time was just wondering. xx

Yes it was :-)

[nightwatch]

Re: Patch's Diary

Yes it was :-)

nuff said

[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...

So it looks like Westcot now have the debt... are they the same as Mercers? Should I carry on ignoring them or what now?

If it's been SOLD to Westcot then it's SWID no?

[nightwatch]

Re: Patch's Diary

Hi Patch, Yep sold in dispute to wescot,xx

[nightwatch]

Re: Patch's Diary

does the letter say its been sold/ assigned or just passed, to wescot. makes no difference to the letter you send just helps to know who owns it x

[patchouli]

Re: Patch's Diary

does the letter say its been sold/ assigned or just passed, to wescot. makes no difference to the letter you send just helps to know who owns it x

letter 16th says PASSED TO Wescot..

letter 19th from Wescot says "Instructed by our client Barclays"

[PlanB]

Re: Patch's Diary

Have you registered for the new updated template letters (you probably have)? If not here's how to do it

http://forums.all-about-debt.co.uk/s...l=1#post389442

The new Sold in Dispute letter is here:

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

[patchouli]

Re: Patch's Diary

yeah I registered ages ago and Nightwatch I think approved it but it still wont let me in so registered again just now.. :-)

[Deepie]

Re: Patch's Diary

yeah I registered ages ago and Nightwatch I think approved it but it still wont let me in so registered again just now.. :-)

You shouldn't need to register again ........