JASSASBLUE - UE Diary

[jassasblue]

Re: JASSASBLUE - UE Diary

Hi Niddy, I've only ever sent the one CCA request and that was in January 2014. I think this is the one you said would be easy to fix (for them) after declaring it was UE as missing PT's.

[Never-In-Doubt]

Re: JASSASBLUE - UE Diary

when was the last CCA Request for this?

[jassasblue]

Re: JASSASBLUE - UE Diary

Hi All, I'm new on here, Niddy has already assisted me with 1 agreement (thanks). Current position, I am in a DMP with Stepchange and have been for 5 years, 6 more years to go. I think I've just sent them my last payment, they aren't happy with me! I stumbled across the CCA route and decided to progress it.

That's the lot for now, I'll keep you updated. It's early days for me. Stepchange have said they can no longer deal with me as I've initiated the CCA process. The DMP is up to date. I've decided to stop payments from now on, I'm nervous about the whole situation but I know I'm in very safe hands!

Account Owner Originally MBNA, now with Direct Legal Collections, credit file Hillesden Security & MBNA

• Type of account Credit Card
• Date commenced 18/01/2005
• Approx balance £2417.06
• Date last paid DMP 25/12/13
• Are you on arrangement or not paying DMP
• Status Default 30/06/2009

Letter Sent
Letter Received

03/01/14 CCA Letter Sent
11/01/14 Letter received from DLC Agreement requested from MBNA
03/02/14 Letter received from DLC, still waiting for agreement from MBNA, account on hold for further 21 days
22/02/14 Letter received from DLC, still waiting for agreement from MBNA, account on hold for further 21 days
19/03/14 Letter received from DLC, still waiting for agreement from MBNA, account on hold for further 21 days
14/04/14 Letter received from DLC, still waiting for agreement from MBNA, account on hold for further 21 days
01/05/14 Letter received from DLC, still waiting for agreement from MBNA, account on hold for further 21 days
11/09/14 Letter received from DLC with a copy of my agreement. Uploaded for Niddy
09/10/14 Letter received from DLC with affordability statement - ignored
11/11/14 Letter received from DLC offering 50% reduction to settle today - ignored
15/12/14 Letter received from DLC offering 50% reduction to settle - ignored
29/12/14 Niddy says UE, missing PT's sent
13/01/15 Letter from DLC - they haven't received any contact and the balance remains outstanding, They have instructed Mercantile Data Bureau Ltd, a subsidiary of Hillesden Securities Ltd to manage my account from the date of the letter - ignored until further correspondence received
29/01/15 - Letter from DLC, they write and confirm:

1. As the above account does not relate to a fixed term agreement the prescribed terms are not required to be on the face of the agreement.
2. Please refer to the terms and conditions of the agreement where you will find the relevant terms of your agreement.
3. Due to the above, the agreement complies with all regulations set out by the CCA 1974.
4. We are happy to rely o the documents previously provided in any future agreements.

We have provided you with a copy of the original executed agreement along with a true copy. This is more than sufficient to satisfy the CCA 1974 regulations. It is important to remember that the purpose of section 77/78 of the CCA 1974 is to provide information to customers, not to establish whether or not there was a properly executed agreement i the first place or to be used as a tool to withhold payment. Collection proceedings to progress.

11/02/15 Letter from Mercantile Data Bureau asking for immediate payment
14/02/15 SWID sent to MDB
16/03/15 Letter from DLC, assigned account to Ruthbridge to collect balance.
20/03/15 Letter from DLC, response to SWID, they have reviewed my account and find they have complied with CCA. Following query over prescribed terms in January they do not consider the account to be in dispute. They are happy to rely on the documentation in future proceedings

09/04/15 - Letter from Ruthbridge advising they have been passed the debt from DLC and asking for payment - ignored
18/04/15 - Letter from Ruthbridge offering a settlement of up to 50% subject to criteria, then later in the letter stating if I fail to contact them they will apply for a CCJ / Attachment of Earnings

What course of action do I take here? SWID or something else?

Thanks guys

[jassasblue]

Re: JASSASBLUE - UE Diary

Really? That's tomorrow. Are you psychic

Hahaha, oops it's been a long week !!!

I like the sound of that and so should you

That's your Amex card isn't it?

DLC is my MBNA card. The one above is AMEX who have used every single branch of Firstsource Advantage.

[PlanB]

Re: JASSASBLUE - UE Diary

Another letter received today, as they are unable to contact me regarding the balance, they will have no choice but to return the account to their client

I like the sound of that and so should you

That's your Amex card isn't it?

[PlanB]

Re: JASSASBLUE - UE Diary

20/03/15 Letter from DLC

Really? That's tomorrow. Are you psychic

[jassasblue]

Re: JASSASBLUE - UE Diary

Oh dear, I'm so bad at deciphering abbreviations for debt chasers. Who is UCA and who is NCO?

You always write to the last person who writes to you which would be Firstsource Uk. I can't believe you got sent a letter all the way from India!

Depending on the tone of that letter you could send the SWID.

I've checked back through your diary and can see Firstsource have been writing to you since October last year and you've ignored all their letters so far. What does this latest one say and does it threaten anything nasty?


Plan B x

Hi Plan B, sorry for the delay I overlooked this post. No nothing nasty, just asking for payment. Another letter received today, as they are unable to contact me regarding the balance, they will have no choice but to return the account to their client, noting their inability to reach a satisfactory resolution.

I guess I just ignore? Re the UCA and NCO, it doesn't say who they are, just those initials!!!!! x

[jassasblue]

Re: JASSASBLUE - UE Diary

Hi All, I'm new on here, Niddy has already assisted me with 1 agreement (thanks). Current position, I am in a DMP with Stepchange and have been for 5 years, 6 more years to go. I think I've just sent them my last payment, they aren't happy with me! I stumbled across the CCA route and decided to progress it.

That's the lot for now, I'll keep you updated. It's early days for me. Stepchange have said they can no longer deal with me as I've initiated the CCA process. The DMP is up to date. I've decided to stop payments from now on, I'm nervous about the whole situation but I know I'm in very safe hands!

Account Owner Originally MBNA, now with Direct Legal Collections, credit file Hillesden Security & MBNA

• Type of account Credit Card
• Date commenced 18/01/2005
• Approx balance £2417.06
• Date last paid DMP 25/12/13
• Are you on arrangement or not paying DMP
• Status Default 30/06/2009

Letter Sent
Letter Received

03/01/14 CCA Letter Sent
11/01/14 Letter received from DLC Agreement requested from MBNA
03/02/14 Letter received from DLC, still waiting for agreement from MBNA, account on hold for further 21 days
22/02/14 Letter received from DLC, still waiting for agreement from MBNA, account on hold for further 21 days
19/03/14 Letter received from DLC, still waiting for agreement from MBNA, account on hold for further 21 days
14/04/14 Letter received from DLC, still waiting for agreement from MBNA, account on hold for further 21 days
01/05/14 Letter received from DLC, still waiting for agreement from MBNA, account on hold for further 21 days
11/09/14 Letter received from DLC with a copy of my agreement. Uploaded for Niddy
09/10/14 Letter received from DLC with affordability statement - ignored
11/11/14 Letter received from DLC offering 50% reduction to settle today - ignored
15/12/14 Letter received from DLC offering 50% reduction to settle - ignored
29/12/14 Niddy says UE, missing PT's sent
13/01/15 Letter from DLC - they haven't received any contact and the balance remains outstanding, They have instructed Mercantile Data Bureau Ltd, a subsidiary of Hillesden Securities Ltd to manage my account from the date of the letter - ignored until further correspondence received
29/01/15 - Letter from DLC, they write and confirm:

1. As the above account does not relate to a fixed term agreement the prescribed terms are not required to be on the face of the agreement.
2. Please refer to the terms and conditions of the agreement where you will find the relevant terms of your agreement.
3. Due to the above, the agreement complies with all regulations set out by the CCA 1974.
4. We are happy to rely o the documents previously provided in any future agreements.

We have provided you with a copy of the original executed agreement along with a true copy. This is more than sufficient to satisfy the CCA 1974 regulations. It is important to remember that the purpose of section 77/78 of the CCA 1974 is to provide information to customers, not to establish whether or not there was a properly executed agreement i the first place or to be used as a tool to withhold payment. Collection proceedings to progress.

11/02/15 Letter from Mercantile Data Bureau asking for immediate payment
14/02/15 SWID sent to MDB

16/03/15 Letter from DLC, assigned account to Ruthbridge to collect balance.
20/03/15 Letter from DLC, response to SWID, they have reviewed my account and find they have complied with CCA. Following query over prescribed terms in January they do not consider the account to be in dispute. They are happy to rely on the documentation in future proceedings.

Hmm ok, should I take any action?

[The Tech Clerk]

Re: JASSASBLUE - UE Diary

siness value for our clients.Our Offices

	India (Corporate Office) Paradigm B, 5th Floor, Mindspace New Link Road, Malad West Mumbai 400 064 Tel.: [COLOR=#00AFFD !important]+91 22 6703 5700[COLOR=#EC008C !important][/COLOR][/COLOR] Fax: +91 22 6703 5701	UK Space One 1 Beadon Road London W6 0EA Tel: [COLOR=#00AFFD !important]+44 20 8237 4500[COLOR=#EC008C !important][/COLOR][/COLOR] Fax: +44 20 8237 4501
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[The Tech Clerk]

Re: JASSASBLUE - UE Diary

S&V had dealings with them if I remember correctly?

[PlanB]

Re: JASSASBLUE - UE Diary

Hi Plan B, I've got UCA writing and asking for payment, I sent off the SWID and NCO replied, I've now got Firstsource Advantage in India and also Firstsource in UK sending letters too asking for payment, I ignored India as previously advised due to postage costs, do I need to send a SWID to Firstsource UK?

Oh dear, I'm so bad at deciphering abbreviations for debt chasers. Who is UCA and who is NCO?

You always write to the last person who writes to you which would be Firstsource Uk. I can't believe you got sent a letter all the way from India!

Depending on the tone of that letter you could send the SWID.

I've checked back through your diary and can see Firstsource have been writing to you since October last year and you've ignored all their letters so far. What does this latest one say and does it threaten anything nasty?


Plan B x

[The Tech Clerk]

Re: JASSASBLUE - UE Diary

Our capabilities span credit cards, bank cards, private label retail cards, automotive loans, personal loans, overdraft accounts, and mortgage collections. The compliance-driven culture at Firstsource ensures that we find the best solutions for our clients. Here is a prime example:Firstsource offers a comprehensive suite of collection service programs, including:

	Scoring strategies and account segmentation
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For more information about our Financial collection services, please call our toll free number:

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(UK).[/COLOR]Disclaimer: Firstsource Advantage, LLC is not affiliated with 1st Source Bank.

[The Tech Clerk]

Re: JASSASBLUE - UE Diary

First source advantage = Belfast? & Cardiff ? yanky company trades in a few countries:=

[jassasblue]

Re: JASSASBLUE - UE Diary

Hi Plan B, I've got UCA writing and asking for payment, I sent off the SWID and NCO replied, I've now got Firstsource Advantage in India and also Firstsource in UK sending letters too asking for payment, I ignored India as previously advised due to postage costs, do I need to send a SWID to Firstsource UK?

[PlanB]

Re: JASSASBLUE - UE Diary

The only problem I'm having is with American Express, I'm receiving letters from 3 different organisations

Is that because your the account has been sold on so you're getting a "Goodbye" letter from Amex and a "Hello" letter from a debt purchaser who's got a DCA on the case writing to you on their behalf?