JASSASBLUE - UE Diary

[jassasblue]

Re: JASSASBLUE - UE Diary

Account Owner Apex Credit Management, previously Egg

• Type of account Loan
• Date commenced 01/06/2005
• Approx balance £1821.38
• Date last paid DMP 13/12/2013
• Are you on arrangement or not paying DMP
• Status Default 17/07/2008 UPDATE October 16 - Default removed due to age

NOW SB - December 2019

Letter Sent
Letter Received

03/01/14 CCA Letter sent
11/01/14 Letter from Apex, agreement requested from Egg
09/05/14 Agreement received from Apex, emailed to Niddy
11/05/14 Niddy says UE Terms and Conditions missing
24/05/14 Missing PTs letter sent to Apex
12/06/14 Letter from Apex in response to missing PTs - ignored! Re your Apex purchased portfolio, please be advised that the prescribed terms relates to the making of the agreement not the enforcement of the agreement. As you signed within the box that states "this is a credit agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be bound by its terms" you are liable for the outstanding balance and we will continue to pursue payment.
04/07/14 Letter from Apex asking me to ring and pay - ignored
16/07/14 Letter from Apex, disappointed I'm not responding to letters, asking me to call to make arrangement - ignored
23/07/14 Letter from Apex, profiling my account for litigation. If confirmed I am a homeowner or employed account to be passed to Legal Recovery Team
25/07/14 Template Letter Threat Received Litigation Forthcoming sent to Apex
07/08/14 Reply today from Apex regarding the template I sent above, why do they try to baffle you with lots of pages and quotes?! In a nutshell, they do not uphold my complaint. Egg have complied with my CCA request by sending reconstituted copy and they have previously advised that the prescribed terms relates to the making of the agreement and not the enforceability therefore I am liable to pay. They also state my dispute is with Egg and have provided me with their contact details. Account on hold for 21 days after which collection will recommence if I haven't been in touch to pay. Apex state they have bought my portfolio and have attached the letter from 2010 and issued another copy of my credit agreement!
01/12/14 - Letter from Apex - financial statement - ignored
17/08/15 - Letter received from Cabot Financial, they have purchased the account from Apex Credit Management and request that I contact to make arrangements to pay
30/08/15 Letter received from Cabot Financial asking me to get in touch to make arrangements to pay
15/09/15 Letter from Cabot Financial asking for payment - ignored
20/09/15 Letter received from Cabot Financial - they are disappointed I have failed to contact them, they may have to instigate further action
25/09/15 CCA Letter sent to Cabot Financial
07/10/15 Letter from Cabot, I've failed to contact them, they can help with payment plan - ignored
21/10/15 Letter from Cabot, offering 20% discount if I pay in full - ignored
10/11/15 Letter from Cabot Financial Europe Ltd, acknowledging receipt of CCA letter. Request sent to Egg for agreement, statement, original and varied terms and conditions - ignored
07/12/15 Letter from Cabot Financial confirming they haven't yet complied with my CCA request and it is unenforceable at this time.

[jassasblue]

Re: JASSASBLUE - UE Diary

Account Owner Debt Managers Ltd, previously Next

• Type of account Next Directory Store Card
• Date commenced 25/11/2002
• Approx balance £601.00
• Date last paid DMP 13/12/2013
• Are you on arrangement or not paying DMP
• Status Default 02/10/2009 UPDATE October 16 - Default Removed due to age

NOW SB - December 2019

Letter Sent
Letter Received

03/01/14 CCA Letter sent
11/01/14 Agreement received from Next
11/01/14 Email to Niddy
11/01/14 Email from Niddy agreement UE :-) Next course of action: http://www.all-about-debt.co.uk/old/...escribed-terms
16/01/14 PT letter sent
16/01/14 Another agreement received from Next same as 11/01/2014 - only difference they say balance £201.15 instead of £601.16
20/01/14 Letter received from Debt Managers Ltd enclosing agreement and asking for payment - ignored as crossed with PT Letter 16/01/14
18/03/14 Letter received from Debt Managers Ltd chasing for payment, they have contacted Stepchange who inform account closed!
27/03/14 Letter received from Parkgate Investigation Bureau (division of Debt Managers) chasing for payment - ignored
10/04/14 Letter received from Scotcall - Impending Debt Collection Visit
11/04/14 SWID sent
18/05/16 Email from Next they are preparing to sell the debt to a DCA - ignored
25/11/16 - Notice of Assignment received from Debt Managers (Services) Ltd, they have bought the debt from Next and chasing payment - ignored
Daily emails received from Debt Managers asking for payment - all ignored
13/12/16 Letter received from Debt Managers Ltd, I've failed to respond to their attempts to contact them, the next course of action is a referral to their solicitors to commence legal action or a home visit by their external agents
10/01/17 SWID sent to Debt Managers Ltd
21/01/17 Letter from Debt Managers Ltd, info requested from Next, account on hold
10/03/17 Letter from Debt Managers Ltd, account still on hold, no response from Next!
25/09/17 Letter from Debt Managers Ltd, (I've ignored monthly one's since March 17), they state Next Directory are unaware of any dispute on this account and haven't received any contact from me at all. They have enclosed a copy of my Credit agreement (the same one I have had twice before in 2014) also they have attached a statement, only they haven't attached mine, the one I have belongs to a chap down South (full details from them too) and not mine!!!!
01/10/17 Copy of SWID 11/04/14 sent with a one liner of their acknowledgement
20/02/19 Letter from Debt Managers (Services) Ltd - they've written several times but I haven't been in touch to agree a payment plan....- ignored!
01/03/19 Letter from Debt Managers - copy of GDPR changes - ignored
07/03/19 Letter from Debt Managers - Asking me to get in touch to make arrangements to pay - ignored
22/03/19 Letter from Debt Managers - offering discount if I pay in full - ignored

[jassasblue]

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 13/12/13
• Are you on arrangement or not paying DMP
• Status Default 30/06/2009 UPDATE October 2016 - now removed

NOW SB - December 2019

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
06/05/15 - CCA Request sent to Ruthbridge Ltd
16/05/15 - Letter from Ruthbridge, they are unable to provide information unless I provide full name, dob and address!
30/05/15 - Letter sent to Ruthbridge asking them to comply with the CCA and refusing personal data as they have it already!!
06/08/15 - Letter from Ruthbridge, they are unable to provide information unless I provide full name, dob and address - ignored again
01/04/16 - Letter received from DLC stating on 1/3/16 ME III bought my account from Hillesden Securities Ltd. ME III and Hillesden are both part of the Cabot Credit Management Group. The letter is on DLC headed paper which I've always had see above - ignored for now
21/04/16 - Letter from DLC stating account returned from Ruthbridge, if I don't contact them within 14 days, account will be transferred to Lucas Credit Srevices DCA - ignored
03/05/16 - Letter from Lucas Credit Services offering 50% discount settlement fee - ignored
02/06/16 - Letter from Lucas Credit Services offering 3 payment proposals, 50%off in full, 30% if paid in 3 instalments or monthly instalments - ignored