Patch's Diary

[patchouli]

Re: Patch's Diary

Thanks all... will ave a read once Hubby is not near me... I'll try and keep this from him until things are a bit better for him emotionally.

[PlanB]

Re: Patch's Diary

They have issued a claim.... no idea what to do :-( Can't tell hubby as he's really upset about us having to have our dog put down yesterday...

I've never had a claim before... ..

. . . . and breathe . . .

This is your hubby's ex MBNA credit card account which was opened in 2009. That may mean you can't play the *unenforceable* card in relation to the way the credit agreement was set out, but that doesn't mean the Claimant (Link) has got everything else right. They have to prove they own the debt for starters.

So one step at a time.

Email me the first page of the Claim Form (N1) without anything edited out. No one will see it except me and Jo (not even your hubby ).

You can break the news to him gently in a day or two when you know better where he stands legally speaking.

There will be options.

I'm assuming it's this account > http://forums.all-about-debt.co.uk/s...l=1#post556100

Plan B x

Use planb@all-about-debt.co.uk

[PlanB]

Re: Patch's Diary

Patch's claim continues on this thread > http://forums.all-about-debt.co.uk/s...l=1#post561172

Plan B x

[patchouli]

Re: Patch's Diary

Yes it's that one, Thanks PB will email it to you

[patchouli]

Re: Patch's Diary

sent

[cymruambyth]

Re: Patch's Diary

Sorry to hear about the claim and the loss of your dog, a horrible time for you. As everyone has posted, the legal time is excellent and will sort out something to avoid a judgement against your husband.

[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.

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.

Not sure what to do... am thinking file and ignore... But.... I thought Robson already managed the account!... SO confusing!

[patchouli]

Re: Patch's Diary

woah.. just checked my Noddle score for the first time in 8 months or so and it's at VERY POOR - 493

Looks like it is Lowell but that's the biggie.. the loan that was written off in September 2015 ??? says my balance is over £18k but I got a letter saying it was £0.00

[nightwatch]

Re: Patch's Diary

Re the Sky/Barclaycard, I would be tempted to just ignore for now, let us know what comes next x

you may have to wait a bit longer for the loan to come off your credit score as some company's only update every so often

[patchouli]

Re: Patch's Diary

Re the Sky/Barclaycard, I would be tempted to just ignore for now, let us know what comes next x

you may have to wait a bit longer for the loan to come off your credit score as some company's only update every so often

ok will do....

Well that sucks! Am house hunting and job hunting so it's not going to look good when they do credit checks.

[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.

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.

Filed and ignored.

[patchouli]

Re: Patch's Diary

Sorry to ask again but.... is there any way I can expedite the removal of the Loan debt from my credit scoring? I have a letter from Lowells saying they ave written it off and I owe £0.00

I'm trying to get a rental house and I am scared this will scupper us :-(

I am looking on Noddle though... is the info likely to be different on another one and if so which one should I check on?

Ahh I didn't see the dispute button on Noddle.... have disputed it.

[nightwatch]

Re: Patch's Diary

you could write to Lowells and ask them to update your credit file, what date was it defaulted?, if not more than 6 years they won't remove the default but should update the balance to £0.00

[patchouli]

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?

[MrsD]

Re: Patch's Diary

I think rental agents can only see so much and if they have updated the CRA to 0.00 you should be fine.