Patch's Diary

[PlanB]

Re: Patch's Diary

Urgh... now I feel even more wibbly!

I've read that letter Patch. How can they possibly "obtain your work details" from a Credit Reference Agency? Silly Lowells.

What they will be looking for is to establish whether you are a homeowner hence the reference to checking if you having a mortgage which will actually show on your CRA file. Since you're not a homeowner (you rent) there is no point in them serving you with a statutory demand. This leaves them with the court option but only if push comes to shove. However since the debt is over £10k they'll also know that they will be at risk of legal costs if they don't win so they may be reluctant to go down that route if they can bully the money out of you first.

The letter doesn't set you a deadline such as 14 days so it's not LBA but nevertheless it needs an answer. Someone on here will tell how to reply so sit tight and try not to stress, which is easier said than done I know

[Tuttsi]

Re: Patch's Diary

That letter is very intimidating.

[CleverClogs (RIP)]

Re: Patch's Diary

At this stage, the Leeds losers are still blathering about possibly sending round a doorstep "agent".

File it carefully, but get advice about what sort of account(s) this debt was alleged to be.

[SaltnVinegar]

Re: Patch's Diary

Urgh... now I feel even more wibbly!

Don't be - Lowells use that terminology to frighten people, and I've received that exact letter several times myself for it to proven bluster, but as this is a 'larger' balance, and not UE, the risk/reward equation is different on this account its best to treat it carefully.

[patchouli]

Re: Patch's Diary

Thank you SV.... I have no idea what this account is! I know Niddy has a better idea as he did mention something.

Urgh... now I feel even more wibbly!

[SaltnVinegar]

Re: Patch's Diary

I'm having a wibble!! Got this letter today... sounds threatening... what should I do please?

Ok so what Lowell are saying is they are going to search the CRA entries, probably to try to see what your financial situation is (i.e. if you have loads more defaults, CCJ,s, or are paying other accounts and not them).

Normally I would suggest this is just a normal threat-o-gram, but as this is unfortunately not UE, and considering the amount this is for, then I'd take it a little more seriously than usual.

If this is a 'preference' account then it may be worth getting some expert advice on the t&c's and their legalities. I'll ask someone to pop in and assist.

Best
SnV

[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

14th March I send letter saying oiy.. missing PT bitches and stop calling my telephone!

15th March above letter signed for by BOND

20th March.... no more telephone calls since 15th.. nice one!

29th March letter dated 21st saying we have sent everything, call us and arrange to pay us.

12th April letter dated 9th April saying we have replied to your query, pay us now.

28th April letter from Lowells saying you still haven't paid, we are going to dig about in your credit file and come after you.

I'm having a wibble!! Got this letter today... sounds threatening... what should I do please?

[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 Always pay minimum
  
  
• 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 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..

[patchouli]

Re: Patch's Diary

Excellent... I'm getting good at this ignoring malarkey!

[Never-In-Doubt]

Re: Patch's Diary

So file and ignore then?

Got a letter from Lowell in reference to the HBOS loan saying "we have replied to your query, pay us"

I plan to file and ignore this one too.

Is that right?

Well I would if it was me, so it won't do too much harm

[patchouli]

Re: Patch's Diary

So file and ignore then?

Got a letter from Lowell in reference to the HBOS loan saying "we have replied to your query, pay us"

I plan to file and ignore this one too.

Is that right?

[nightwatch]

Re: Patch's Diary

Enforcer is right Patch, one of the accounts they sent a copy of your letter for they have now admitted is 'unenforceable in court' as they cannot fully comply with my request, took Cabot over 12 months to send the letter to me and they, Cabot,are still insisting they can go to court with it.

[Enforcer]

Re: Patch's Diary

You seem to be where I was 2 or three years ago. They do not have an enforceable agreement. They are feeding you bullshit! Continue the fight.

[nightwatch]

Re: Patch's Diary

I have 4 of these letters, but not one set of T&C that link to the original applications, they just send them out hoping you will pay up.

[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
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 arrives saying there is no issue with MPT and they are still wanting the money.

11th April letter dated 1st April arrives saying there is no issue with MPT and mention Carey v HBC

What is this Carey shmech they keep referring to and if it isn't right why do they keep using it as an excuse.. ?