clueless24 UE Diary

[Still Waving]

Re: clueless24 UE Diary

Their numerous letters is actually 2. I'm guessing I should send account sold in dispute.

Hi Clueless24

Yes - see Scabhunter suggestion at post #525.

(Edit) - or wait for their next effort, as they don't appear to be making any threats.

[clueless24]

Re: clueless24 UE Diary

Barclaycard

Credit Card
Commenced 2007?
Bal £2.5k
Last paid minimum payment made 24-2-10
Arrangement. Ceased arrangement of £1pm in Oct 2010
Status default
Acc owner Barclaycard. Mercers, Moorcroft, Robinson Way, Barclays, Assigned to MKRR 28-10-2011 Raven writing (24-4-13)

3-2-11 CCA request sent
4-2-11 Delivered
9-2-11 Recieved ack of request dated 8-2-11 dealing with request
18-2-11 Recieved formal demand for full payment from barclaycard
26-2-11 12 + 2 days up on the 23-2-11 no CCA recieved
4-3-11 Recieved letter from moorcroft make payment within 7 days or debt collector may call or may be passed to solicitor.
5-3-11 send account in default of CCA letter as advised
12-3-11 Recieved letter from Moorcroft advising account is on hold whilst they investigate with their client, will communicate their response upon receipt
13-4-11 Received CCA will e-mail Niddy for checking please
14-4-11 Niddy says UE Whoo Hoo!!! send CCA Query T&C Supplied
23-4-11 Received letter from Barclaycard in response to my letter re T&C supplied. Saying they have complied quoting section 78, 61, 82 etc, based upon this information they do not consider the account to be in dispute and will continue to pursue the debt. This they say is their final response.
28-4-11 Niddy say's ignore and update
20-6-11 Letter recieved today dated 20-6-11(Salford to Suffolk by post impressive same day delivery service) from Robinson Way Ltd DCA, pay up or else, we may advise our client to start court action if a court considers your failure to pay to be due to neglect, an order for payment may be made etc etc. this debt will not go away or be forgotten no matter how much I may like that to happen. Call now to pay or agree a payment plan.
20-6-11 Niddy says ignore
30-6-11 Letter recieved from Robinson Way Ltd NOTE...IMMEDIATE ACTION REQUIRED This is a notice about your unpaid account we have been instructed to recover, call us without delay,please tell us if you cannot pay, if you fail to pay and neglect to deal with this account we may take further action.
7-7-11 I2D advised send letter UE CCA recieved.
13-7-11 Letter from Rob Way immediate action required. You have not paid the sum you owe. Until it is paid your account will not be closed, but may stay registered as an unpaid debt in your name. We urge you to settle your account now and clear this up once and for all. Ring today etc etc.
13-7-11 I2D advised ignore
18-7-11 Letter from Rob Way. We have noted the dispute will let you know outcome. In the meantime we will stop all collection activity for this account.
19-8-11 Letter from Rob Way advising we are still awaiting a response from the client concerned, we have reminded them that this query is outstanding. We will let you know the outcome when we recieve the relevent details.
24-9-11 Letter from Rob Way account returned to Original Creditor.
29-10-11 Letter from Barclay Card advising that the account has been assigned and transferred to MKDP on the 18-10-11, this means that they now own the debt, please send your payment directly to them.
9-3-12 Letter from MK Rapid Recoveries Further to our recent communication regarding transfer of ownership of your balance we have not received your offer of payment. Please call us to make payment arrangements, we will continue to contact you by phone or letter until we reach an agreement so we would advise you to contact us to resolve this matter.
I2D send account sold in dispute
19-3-12 Letter from MKRR. We have referred the matter to our client for further investigation. Account on hold.
23-3-12 Letter from MKRR. You have failed to contact us to agree repayment of this debt call us immediately. Receiving incessant automated voice mails for me to contact them.
Will send Telephone harassment template and await further correspondence.
5-5-12 Letter from MKRR. Further to your recent communication with our Collections Department, please find enclosed a copy of your statements as requested. Contact us immediately to discuss repayment
I2D p373 Ignore wait and see whats next.
12-6-12 Letter from MKRR. Further to our recent communication regarding transfer of ownership of your balance, we have not received your offer of payment. We can offer an instalment arrangement call us now, we will still continue to contact you by phone or letter so we would advise you to resolve this matter.
I2D send final response UE general template
25-6-12 Letter from MKRR. Regardless of our attempts to contact you by letter and phone we have not heard from you. Our team are able to help you settle this account call now.
I shall ignore for now.
28-6-12 Letter from MKDP. Further to your recent correspondence in regards to your account we have raised your concerns with barclaycard and we have recieved the enclosed information. As verified in the enclosed information you are liable and we will continue with our collection activities. Unfortunately we have not recieved a copy of the credit agreement but this will be sent to you as soon as it is recieved from Barclaycard. Should you remain unhappy with my response refer to the FOS.
P400 I2D see what they do next.
12-7-12 Letter from MKDP. Thank you for your letter account on hold whilst we investigate.
5-11-12 Letter from MKDP Account still on hold whilst we await paperwork from Barclays

12-1-13 Letter from MKDP. Final response enclosing statements of account and copy of signed application form. You are liable and you must pay we will continue with our collection activity. CONTACT US NOW TO AVOID etc.
13-1-13 Niddy checked paperwork and says UE ignore for now. Application form recieved missing PT
19-2-13 Letter from MKRR Further to our letter offering you help to clear this balance we have not recieved your offer of payment. Contact us immediately to avoid further action.
Send missing PT & telephone harrassment
6-3-13 Letter from MKDP I write further to your request for a true copy of the credit agreement. please accept this as our final response. I enclose a copy of BC resolution letter dated 14-1-13 (first time I have seen this) BC have fulfilled their obligation under sec78 and we no longer regard your account in dispute. We will continue collection activity we are within our rights to telephone you when you refuse to enter into dialogue but can confirm that all communication will be in writing for 3 months and then reviewed. If your not happy go to the FOS
P439 Await next move
8-3-13 Letter from MKRR FINAL NOTICE. You have not taken up our offer of help, and as a legal requirement, we must now inform you that we are instructing our pre-legal department to review your account for further action. They may commence litigation against you which could increase the amount payable due to costs incurred in line with your agreement. we may get a court order, charging order or deduct money from your salary. Contact us immediately.
p502 Send Account UE template
26-3-13 Letter from MKRR FINAL DEMAND. As you have not taken up our offer of help your account is now with the pre legal department. This has left us with no option but to transfer your account to Raven Recoveries to resolve this on our behalf. This may involve applying to the courts for a CCJ, Istructing a bailiff to remove goods from your property etc etc. this is your final opportunity to avoid this happening contact us immediately to avoid this happening.
p503 I shall ignore for now and see what comes next.
31-3-13 Letter from MKDP Further to your recent letter (9-3-13 Account UE) You have had our final response on the 4-3-13 our complaints process has been exhausted no further correspondence will be entered into if you dont like it go to FOS.
p513 Wait and see what comes next and may challenge later

24-4-13 Letter from Raven Recoveries dated 19-4-13. Owing to you not having a payment arrangement with MKRR they have instructed us to collect the o/s balance from you. Full balance payable upon receipt of this letter. Failure to make contact within 7 days of this letter being issued will leave us no further options than to assess your account for alternative action to recover the balance.
p525 I shall await the next letter.
5-6-13 Letter from Raven. Despite numerous previous letters you have not paid the o/s balance. Payment should be made on receipt of this letter unless you can provide us with a reason for not being able to make full payment.

Their numerous letters is actually 2. I'm guessing I should send account sold in dispute.

[ScabHunter]

Re: clueless24 UE Diary

You're doing well here. You got rid of Drossendales without too much trouble. I don't think this latest rabble are going to give you too many headaches, from what I've seen on other threads.

The fact that a litigious account holder is constantly assigning this outside instead of heading for court is highly encouraging.

SH

[Pixie]

Re: clueless24 UE Diary

Yes, send Account Sold While in Dispute.

[clueless24]

Re: clueless24 UE Diary

MBNA

Credit Card
Commenced 17-2-07
Bal £12k
Last paid 5-3-10 required monthly minimum amount
Arrangement £1pm last paid 1-11-10
Status Default
Acc owner MBNA, AIC, Fredricksons, ARC, Arrow, Rossendales

3-2-11 CCA request sent
7-2-11 Delivered
21-2-11 CCA received
25-2-11 E-mailed Niddy the CCA
26-2-11 NIDDY SAY UE WHOOO HOOO!!! sent CCA query copy doc supplied
25-3-11 Recieved letter from Allied International Credit they are reviewing my file with Collection & Litigation Dept to consider if further action is required. However a one off early settlement offer is available at a 50% discount on the balance o/s to be paid on or before the 31st March and neither we nor our client will pursue you further in regards to the above account.
23-3-11 Ignore letter above
18-6-11 Recieved letter today from MBNA dated 24-5-11 (I have kept the envelope) in response to my letter of the 26-2-11 as above ? copy doc supplied. Saying they have supplied a true copy under sec 78, goes on to confirm date and how account was opened tick box, on line etc. We are satisfied that the regulated credit agreement into which we entered satisfies all relevent legal and regulatory requirments. As such there is no need to seek an enforcement order in order to exercise our rights
20-6-11 Niddy advises to ignore and update when I hear from FOS re PPI mis-sold
24-6-11 Letter from FOS upholding claim for miss-selling of PPI. MBNA have agreed to make a poposed offer of settlement and will write within 8 weeks but will be following FOS general approach for mis-sold policy.
8-7-11 Letter from F.O.S advising that MBNA will aim to complete the payment within the next 8 weeks
11-7-11 Letter received from MBNA (dated 8-7-11) We are taking further action to recover your debt. Following previous correspondence, which confirmed the termination of your MBNA credit agreement, please note you are still required to repay your debt. We have decided that we will take the action of placing your debt with a DCA to collect on our behalf. We will pass all your details to Fredrickson Int.
11-7-11 Letter from Fredrickson Int (dated 11-7-11) Do not ignore immediate payment required, we have been instructed by MBNA who have passed this account to us for collection of the outstanding balance. You must contact us immediately.
11-7-11 I2D send Acc sold whilst in default.
29-7-11 Received letter from Fred Int. We have referred the matter to our client and will revert to you as soon as we are in receipt of instructions. In the meantime we confirm that we have placed the account on hold.
10-9-11 Letter re PPI reclaim advising that a cheque will be sent within next 28 days to settle claim. I bet they don't as account is in default, but it would be nice.
Cheque arrived today, anyone need a sub?
18-11-11 Letter from Fred Int Account on hold for 28 days to give me time to contact our client send £1 for info etc.
17-12-11 Letter from Fred Int This debt must be paid within 7 days otherwise we will take immediate action, court fees of £190 and solicitors costs of £100 will be added to the debt. If a judgement or decree remains unsatisfied we may seek an enforcement or instruct a bailiff or sherrif officer to recover assets to discharge the o/s debt.
12-1-12 Letter from Fred Int we have referred the matter to our client and will revert to you as soon as we are in receipt of instructions, in the meantime we confirm that we have placed the account on hold.
24-1-12 Letters from MBNA and Arrow (notice of assignment) advising Fred Int will manage account and I should contact them asap to arrange repayment.
4-4-12 Letter from ARC Europe Ltd. The account remains unpaid and has now been passed to us for collection. We wish to make it quite clear that unless a substantial payment is made to us within the next ten days along with a firm offer to clear the rest of the overdue balance, we will have to notify our client and seek further instructions on what action they want us to take to recover this debt. We therefore suggest that it is very much in your interest to call us immediately on receipt of this letter. DO NOT IGNORE THIS LETTER OR THE TIME LIMITS WE HAVE REFERRED TO.
I2D send Account sold in dispute.
17-4-12 Letter from ARC. ARC is a debt collection agent acting in good faith on the instructions received from a "disclosed" principle, namely, Arrow. We are therefore authorised to write to you in connection with the above matter and have acted in accordance with our clients instructions and within current legistration and guidance. We reserve the right to produce our correspondence to any Tribunal, regulatory body or investigating authority to prove our compliance and good conduct in this matter. Our client is unaware of an outstanding dispute on this account we have referred your request for a copy of your agreement to our client, account on hold pending further instructions from our client.

10-5-12 Letter from ARC enclosing CCA a signed copy of the agreement (not signed as did it on line but know that it's irrelevant) which shows you agreed to the T&C of the contract, we require payment on this account. We wish to make it quite clear that unless payment is made in the next 14 days we will have to notify our client that we do not have a repayment plan and in those circumstances we will obtain our clients instructions on what further action they want us to take to recover this debt. Call us immediately.
I2D send Querry CCA template again

20-5-12 Letter from Arc in response to letter of the 10-5-12, We are instructed that the documents sent to you on the 9-5-12 are in the valid form. You may want to seek independant legal advice on this matter.
Pay the balance. Provide a full financial statement showing incomings, outgoings and a list of creditors with your token offer of payment, contact CAB, CCCS, Payplan and ND for free advice. We wish to make it quite clear that unless a payment is made to us within the next 14 days, along with a firm offer to clear the rest of the overdue balance, we will notify our client that we do not have a repayment arrangement with you and in those circumstances we will obtain our clients instructions on what further action they want us to take to recover this debt. Call us immediately.
I2D p378 Ignore for now

9-6-12 Letter from ARC. We refer to our previous letter and note that we have not received any or insufficient response the balance remains unpaid we are now obliged to report this to our client with regards to further action we must now take. We reserve the right to produce this letter to show compliance and good conduct. It had been our genuine intention to avoid referring the matter to our client but without your proposals we must obtain their firm instructions. Call and pay now.
I2D p382 Send Final response general template

13-6-12 Letter from ARC Europe. Whilst we note the comments of your letter 4-6-12 we are instructed that the documents sent to you with our letter dated 9-5-12 are in valid form, you may want to seek independant legal advice on this matter. The balance remains outstanding. We understand you recieved a payment of £1300.00 in response to your PPI query. We wish to make it quite clear that unless a payment is made to us within the next 10 days along with a firm offer to clear the rest of the overdue balance, we will have to notify our client and obtain instructions on what further action they want us to take. In this respect you may wish to use your PPI refund towards clearing the balance outstanding.
I2D p386 Send one liner asking them to read letter of the 4-6-12 and enclose copy.
21-6-12 Letter from ARC. We refer to our previous letters and that we have still not received your response. you should be aware that we have now reported this fact to our client which will allow it to consider the further action that has to be taken to recover this debt. When that action is taken, both this letter and our previous letter can be produced to prove that you were given every opportunity to enter into negotiations but you failed to accept that invitation. Call and pay now
I2D send enough is enough template
28-6-12 Several phone calls so have sent Telephone Harrassment letter
30-6-12 Letter from ARC. We are acting in good faith for Arrow, we have acted within current legislation we reserve the right to produce our correspondence to any tribunnal, regulatory body or investigating authority to prove our compliance and good conduct in this matter. We are instructed that the documents sent are valid and the agreement is enforcable. You may want to seek independant legal advice on this matter. Balancemust be paid forthwith or client will accept a repayment plan please send a list of all creditors, a full financial statement I&E etc. Please take this as our final response on the matter pay within 14 days or we will notify client and we will obtain our clients further instructions etc.
We acknowledge your request that we do not telephone you and will comply with that request provided you send payment as requested or your tenable dispute/defence within 14 days on which we can refer to our client for further instructions.

3-9-12 Letter from Rossendales.(dated 20-8-12)Your debt has been passed to us. We are instructed that you have ignored previous requests for payment and we intend to recover your outstanding debt immediately. Unless you pay us the debt amount within 7days or contact us immediately with your proposals recovery action will commence.
p433 Will ignore the letter and see what they send next and send telephone harrassment letter.

14-9-12 Letter from Rossendales. You have failed to respond to our previous letter. This may result in further action being taken against you. You should be in no doubt that payment of that which you owe will be pursued and the compant will utilise its evpertise in the management of data. TO PREVENT THIS MATTER PROCEEDING FURTHER YOU SHOULD MAKE A PAYMENT IN FULL NOW. Phone immediately to avoid action if we do not hear from you within 7 days collection procedures will continue.
p443 Send Account sold in dispute.

15-9-12 Letter from R'dales in response to telephone harrassment letter, the contents have been noted to file. We can confirm that the outstanding balance is in relation to MBNA the agreement was originally taken out on xx/xx/2007 whilst you were at the address of,(it lists the address I am at now and not the address I was at, at the time I took out the loan) Contact our office now to discuss repayment subsequently preventing further recovery action being taken.

10-1-13 Letter from R'Dales Your debt has been passed to us by the above clients (Arrow) we are instructed that you have ignored previous requests for payment and we intend to recover your outstanding debt immediately. You have 7 days or recovery action will commence..
p455 Account sold in dispute letter sent.

19-1-13 Letter from R'Dales. Account on hold whilst we investigate.
27-3-13 Letter from R'Dales Further to your recent request please find enclosed copy documents to support the recovery of the account.
p509 Send missing PT

6-4-13 Letter from R'dales account on hold whilst we investigate.
18-4-13 Letter from R'dales. We are still investigating your complaint I will write again within the next 10 days.

19-4-13 Letter from R'dales. We are acting on behalf of Arrow a debt purchasing company who bought your debt from Virgin Money in your name which appears to be related to the address (I'm at now). We sent you a copy of your credit agreement in Sep 2012 but enclose another copy. If you wish to discuss settlement please call our office.

28-05-13 Letter from Debt managers (Services) Ltd. First contact from this lot, As you have been advised by our client Arrow Global (No I haven't) your overdue account has been referred to ourselves for immediate collection. All future contact and payments should be made direct to us. Balance must be paid in full today.

I'm guessing I should send Account Sold in dispute? all help as always is greatly appreciated.

[Deepie]

Re: clueless24 UE Diary

Can someone suggest what might be an appropriate response (apart from the standard **** ***)

I'd be sending this if it were me-----> Threat by Creditor - Threat-o-Gram Letter Before Action

[clueless24]

Re: clueless24 UE Diary

Lloyds TSB

Credit Card
Commenced approx 2006
Approx balance £8k
Date last paid in full 1-3-10 (token £1 03/10 until 09/2010)
Arrangement £1 per month ceased 09/2010
Status Default
Owner Lloyds TSB


3-2-11 Sent CCA request
4-2-11 Delivered
18-2-11 Recieved CCA
24-2-11 E-mailed Niddy the CCA
26-2-11 NIDDY SAYS UE WHOOO HOO!!!! Have sent CCA query copy doc supplied letter

12-3-11 Recieved response from LTSB have recieved my complaint and have sent it to Brighton Card Customer relations dept, may take 4 weeks to respond..

9-4-11 Letter from SCM Solicitors I am required to pay balance in full within 7 days from the date of the letter (6-4-11) to avoid court proceedings being issued against me. Call them to arrange amicable agreement to pay off debt without the need to instigate etc etc.
10-4-11 Send Threat by lender/DCA to commence litigation letter, will send special delivery as advised

12-5-11 Received letter from SCM enclosing another CCA with some additional paperwork. In response to my letter of the 10-4-11 as above Will e-mail Niddy for advise
16-5-11 Niddy advises sending Enough is Enough letter

30-5-11 Recieved response from SCM Solicitors to enough is enough template. Say's please find enclosed a re-constituted credit agreement together with 2 amendments to the T&C. Please forward your repayment proposals to this office for consideration.
20-6-11 Niddy says in breach ignore for time being

22-7-11 Letter from Rob Way. Our client has authorised us to recover the full amount you owe, please pay the full amount you owe without delay or call us directly to agree an affordable payment plan. We may advise our client to start court action etc.
Ignore for now

1-8-11 Letter recieved today dated 1-8-11 from Rob Way. SECURITY TELEMESSAGE Recent actions on your account are giving cause for concern please contact us immediately. Please do not delay
I2D ignore for now

12-8-11 Letter received from Rob Way IMMEDIATE ACTION REQUIRED This is notice about your unpaid account which our client has instructed us to recover.ACT NOW call us without delay, if you fail to pay and neglect to deal with this account further action may be taken.
13-8-11 Niddy says send Final Responce UE

10-9-11 Letter from LTSB advising they have have complied with CCA and will not correspond further regarding the provision of copy agreements. We have enclosed with this letter a copy of the reconstituted version of your executed agreement and a signed statement of your account. We have satified under section 78 etc. There is no requirment under the CCA to provide you with a copy of the original signed agreement, but not withstanding that fact enclosed a copy of the front page of the original agreement proving your signature the PT would have been validly incorporated into the agreement on the reverse of the enclosed sheet or a seperate sheet. Goes on to quote Ray Watson and debt is enforceable pay up.
10-9-11 I2D says ignore for now.

19-9-11 Letter from Rob Way.
We refer to your recent letter in which you claim this account is not enforceable. We are satisfied that the documentation provided is sufficient to demonstarate liability and we will not enter into repetetive correspondence regarding this.
Your data will continue to be processed in line with the principles of the DPA 1998 and the account will continue to be reported to CRA's where appropriate. If you neglect to make payment to us, further action may be taken against you.We require your payment proposals within 14 days.
19-9-11 Niddy says ignore for now

29-9-11 Letter from Rob Way immediate action required, until it is paid your account will not be closed but may stay registered as an unpaid debt in your name. We urge you to settle your account now and clear this up once and for all. Ring us today.
I2D ignore for now

12-10-11 2 letters today 1 from Rob Way dated 10/10/11 IMMEDIATE ACTION REQUIRED NOTICE OF INTENDED LEGAL ACTION. Your account is still unpaid in spite of previous letters and calls and may now be passed to our solicitor for legal action to be taken. You have 10 days to pay.
1 letter from Lloyds TSB dated 7-10-11 If you do not pay off the full amount outstanding we will allocate your payment to the outstanding balance in specific order. Since no interest or charges are being applied to your account, your payment will be used to pay off your outstanding balance. it lists 2 payments £1.00 on the 15-10-10 & £4.00 on the 9-11-10. I was going into hospital and paid £4 for the next 4 months. I had an arrangement of £1pm (ceased payments in Nov 2010) Goes on to say if I have a problem with my aggrement please try to settle it with them first.
12-10-11 I2D says ignore the one from Lloyds send Threat by creditor to commence litigation to Rob Way.

24-10-11 Letter from Rob Way We refer to your letter in which I claim this account is UE, they are satisfied they have provided docs to demonstrate liability and will not enter into repetitive correspondence. We require your payment proposals within 14 days or else!!!!
P277 Swanfan says ignore for now.

12-11-11 Letter from Horwich Farrelly we may advise our client to commence court action against you as a result of your failure to settle this account. Even at this late stage you can avoid court action by making a payment to us or by making a proposal that you can afford.
If I wish to make a proposal please set out a simple statement of your means and any circumstances you wish us to consider. Any queries please call us or our client Robinson Way.
P290 I2D ignore for now

9-12-11 Letter from Credit Security Ltd, Debt Enforcement Office, The Old Courthouse, Whitchurch. We have been instructed by our client to recover the o/s debt. Unless there is a valid reason for non payment settlement is required within 7 days.
Garlock. send account sold in dispute

24-12-11 Letter from Credit Security Ltd. We acknowledge receipt of your template letter dated the 9/12/11 and would advise you that sending one letter dated 6/12/11 does not amount to continual harassment. In order that we may request a copy Credit Agreement we would appreciate receiving a payment for the sum of £1 payable to LTSB. When repling will you kindly provide full details of your dispute and reason for non payment in order that this matter be resolved without further delay.
Niddy. ignore for now

20-6-12 (p389) Letter from Lloyds. As we haven't been able to agree a suitable repayment plan we've transfered your Lloyds TSB debt to debt collection agency MOORCROFT group plc. We've instructed Moorcroft to arrange collection of the outstanding amount. please call Moorcroft now to pay.
I2D p390 agrees with my thinking and will ignore for now

25-6-12 Letter from Moorcroft. It is a legal requirement to send a notice of intended litigation before legal proceedings in the county court are issued. We believe that this letter fulfils this requirment even if it is not actually read by you.Payment should be submitted in full within 7 days or contact made with this office immediately. Both our client and we do not wish to take this action but if agreement cannot be reached by the 27/6/12 a claim may be issued by solicitors instructed to act on behalf of our client without further notice. We would draw to your attention that if judgement and an order for repayment in full is obtained and remains unpaid, a range of court enforcement options are available to our client and an application for one of these may be considered. Call us today.
p396 Send Threat by creditor to commence actions
27-6-12 Sent Telephone Harrassment letter to Moorcroft

3-7-12 Letter from Moorcroft. Account on hold whilst they refer to their client

6-7-12 Letter from Moorcroft Compliance Department. Quite a long and what would seem quite a personalised letter regarding the two letters I sent as above on the 25-6 & 27-6-12. First part asks me to prove that I have asked them not to contact me by phone. Second part confirms that account is on hold and even if they havn't complied with the CCA doesnt mean I don't owe it and refer me to a recent OFT press release 'Consumers warned on 'unenforcable debt' claims'. Then quotes S77,78,79 of the CCA1974.
With the above in mind we would ask that you provide specific details of any reason why you believe you are not liable for this debt. Account will remain on hold and this will remain the position to allow you the opportunity to respond to this letter, our request for specific information regarding your liability and for us to revert back to you with our clients response. If not happy FOS leaflet enclosed.
p407 I2D send Final response UE CCA received.
12-7-12 Letter from Lloyds TSB in response to letter sent 25-6-12 to Moorcroft. Sorry you had to complain, We have provided you with a copy that complies with the requirements of the CCA 1974 and the Consumer credit (cancellation notice and copies of documents) regulations 1983, SI 1983/1557 (the regulations). We do not have to produce an actual copy of the document signed the purpose is to allow debtors access to their terms and conditions of their CA and providing the debtor with a true copy of the t&c of the agreement we have complied with s78, blah, blah, blah. Turning to your allegations of harassment it is the banks obligation as a responsible lender to advise customers as soon as reasonable that they are in arrears. The bank will give no undertaking not to contact you to ask for payment particularly as your alleged dispute is unfounded. Then quotes Carey. This is our final response you can now go to the FOS.
2-8-12 Letter from Moorcroft account on hold whilst we refer to our client.

1-9-12 Letter from Moorcroft. Our client has instructed us to continue to assist in the recovery of this account. Not aware of any dispute, TSB have complied with CCA enclosed a copy of TSB response from 9-7-12. Set up a payment arrangement asap, I&E forms enclosed, Should you believe you are not liable for this account please provide us with specific reasons without this we can't help you and account becomes live again. Account on hold for 14 days till I respond.
p432 I shall ignore for now


22-9-12 Letter from Moorcroft. You have not responded to our previous correspondence you now have 28 days to respond if you do not we shall close our file and return the account to Lloyds

5-11-12 Letter from Lloyds we are changing how we pay things (if you have any ppi we will pay it to your account to clear debt first)

3-1-13 Text from IQor asking me to contact them urgently on an important business matter. Ignored

9-1-13 Letter from LTSB we have transferred your account to a DCA IQor to arrange collection of the outstanding amount. Contact them asap to arrange repayment. I shall ignore for now and await contact from Iqor.

11-1-13 Letter from IQor. Your debt has been passed to us for collection. Resolve immediately or we may commence legal action in the county court. We may also instruct a doorstep collector to visit your home.
p459 Account sold in dispute letter sent.

23-1-13 Letter from Iqor. Further to your request under the CCA 1974 sec77/78 for a copy of your original agreement we note that we have not recieved the £1 fee and for that reason we have not progressed your request further. Should you wish to continue with this request, please forward us the prescribed fee of £1 and your request in writing.
p478 Sent letter saying read my last letter I don't need to send £1.

30-3-13 Letter from LTSB We have recieved a copy of correspondence you have sent to IQOR regarding the account.I have not seen the documentation that has passed between you it is clear they believe you feel the account is in dispute/UE. We have complied on 16-2-2011 and final response issued on 9-7-2012. We believe this debt is enforcable and will continue to contact you about repayments using collection agents please speak to them to arrange repayment. We will not respond to you directly again.
p515 Wait and see what comes next

18-4-13 Constant phone calls day and night from Iqor, will send telephone harassment letter.
Letter from Iqor It is critical that you ring us immediately as we may be able to offer you a substantial discount if you settle your account now. To avoid any further action we urge you to act now.

10-5-13 Letter from GBP Solicitors, we have been contacted by Iqor in relation to monies owed to Ltsb, if full payment, or your proposals for payment are not received by Iqor within 10 days from the date of this letter (6-5-13) it is likely that we will be instructed to commence legal proceedings against you. Any legal action will include a claim for legal costs and interest that may accrue.
Please note we are instructed NOT to enter into correspondence with you at this stage but to refer the matter to our client Iqor. Please contact them directly to avoid the necessity of such action.
p530 I shall ignore for now.
24-5-13 Letter from GPB Solicitors (dated 21-5-13). You have failed to make payment and we have been instructed to recover the sum. Full payment within 10 days otherwise a county court claim may be issued without further warning. The total amount will increase by £190. You must contact us now (They told me I couldn't contact them in the letter of the 10-5-13) If you fail to respond to this letter and we do obtain a judgement against you it will impair your credit file may lead to further enforcement action, you may have your belongings seized or an attachment of earnings etc.

Can someone suggest what might be an appropriate response (apart from the standard **** ***)

[Slickfm]

Re: clueless24 UE Diary

I have seen iQor off too. They even sent me a cheque for £50 for hassling me

[SXGuy]

Re: clueless24 UE Diary

I had those letters, i sent IQor, Threat by creditor to commence litigation and sent GBP a copy with a cover letter saying please find attached letter sent to your client.

Never heard from them again

[Deepie]

Re: clueless24 UE Diary

Should I send the the threat by creditor to commence action template? All help as always is greatly appreciated.

Please note we are instructed NOT to enter into correspondence with you at this stage but to refer the matter to our client Iqor. Please contact them directly to avoid the necessity of such action.


If it were me I'd just ignore for now........

[clueless24]

Re: clueless24 UE Diary

Lloyds TSB

Credit Card
Commenced approx 2006
Approx balance £8k
Date last paid in full 1-3-10 (token £1 03/10 until 09/2010)
Arrangement £1 per month ceased 09/2010
Status Default
Owner Lloyds TSB


3-2-11 Sent CCA request
4-2-11 Delivered
18-2-11 Recieved CCA
24-2-11 E-mailed Niddy the CCA
26-2-11 NIDDY SAYS UE WHOOO HOO!!!! Have sent CCA query copy doc supplied letter

12-3-11 Recieved response from LTSB have recieved my complaint and have sent it to Brighton Card Customer relations dept, may take 4 weeks to respond..

9-4-11 Letter from SCM Solicitors I am required to pay balance in full within 7 days from the date of the letter (6-4-11) to avoid court proceedings being issued against me. Call them to arrange amicable agreement to pay off debt without the need to instigate etc etc.
10-4-11 Send Threat by lender/DCA to commence litigation letter, will send special delivery as advised

12-5-11 Received letter from SCM enclosing another CCA with some additional paperwork. In response to my letter of the 10-4-11 as above Will e-mail Niddy for advise
16-5-11 Niddy advises sending Enough is Enough letter

30-5-11 Recieved response from SCM Solicitors to enough is enough template. Say's please find enclosed a re-constituted credit agreement together with 2 amendments to the T&C. Please forward your repayment proposals to this office for consideration.
20-6-11 Niddy says in breach ignore for time being

22-7-11 Letter from Rob Way. Our client has authorised us to recover the full amount you owe, please pay the full amount you owe without delay or call us directly to agree an affordable payment plan. We may advise our client to start court action etc.
Ignore for now

1-8-11 Letter recieved today dated 1-8-11 from Rob Way. SECURITY TELEMESSAGE Recent actions on your account are giving cause for concern please contact us immediately. Please do not delay
I2D ignore for now

12-8-11 Letter received from Rob Way IMMEDIATE ACTION REQUIRED This is notice about your unpaid account which our client has instructed us to recover.ACT NOW call us without delay, if you fail to pay and neglect to deal with this account further action may be taken.
13-8-11 Niddy says send Final Responce UE

10-9-11 Letter from LTSB advising they have have complied with CCA and will not correspond further regarding the provision of copy agreements. We have enclosed with this letter a copy of the reconstituted version of your executed agreement and a signed statement of your account. We have satified under section 78 etc. There is no requirment under the CCA to provide you with a copy of the original signed agreement, but not withstanding that fact enclosed a copy of the front page of the original agreement proving your signature the PT would have been validly incorporated into the agreement on the reverse of the enclosed sheet or a seperate sheet. Goes on to quote Ray Watson and debt is enforceable pay up.
10-9-11 I2D says ignore for now.

19-9-11 Letter from Rob Way.
We refer to your recent letter in which you claim this account is not enforceable. We are satisfied that the documentation provided is sufficient to demonstarate liability and we will not enter into repetetive correspondence regarding this.
Your data will continue to be processed in line with the principles of the DPA 1998 and the account will continue to be reported to CRA's where appropriate. If you neglect to make payment to us, further action may be taken against you.We require your payment proposals within 14 days.
19-9-11 Niddy says ignore for now

29-9-11 Letter from Rob Way immediate action required, until it is paid your account will not be closed but may stay registered as an unpaid debt in your name. We urge you to settle your account now and clear this up once and for all. Ring us today.
I2D ignore for now

12-10-11 2 letters today 1 from Rob Way dated 10/10/11 IMMEDIATE ACTION REQUIRED NOTICE OF INTENDED LEGAL ACTION. Your account is still unpaid in spite of previous letters and calls and may now be passed to our solicitor for legal action to be taken. You have 10 days to pay.
1 letter from Lloyds TSB dated 7-10-11 If you do not pay off the full amount outstanding we will allocate your payment to the outstanding balance in specific order. Since no interest or charges are being applied to your account, your payment will be used to pay off your outstanding balance. it lists 2 payments £1.00 on the 15-10-10 & £4.00 on the 9-11-10. I was going into hospital and paid £4 for the next 4 months. I had an arrangement of £1pm (ceased payments in Nov 2010) Goes on to say if I have a problem with my aggrement please try to settle it with them first.
12-10-11 I2D says ignore the one from Lloyds send Threat by creditor to commence litigation to Rob Way.

24-10-11 Letter from Rob Way We refer to your letter in which I claim this account is UE, they are satisfied they have provided docs to demonstrate liability and will not enter into repetitive correspondence. We require your payment proposals within 14 days or else!!!!
P277 Swanfan says ignore for now.

12-11-11 Letter from Horwich Farrelly we may advise our client to commence court action against you as a result of your failure to settle this account. Even at this late stage you can avoid court action by making a payment to us or by making a proposal that you can afford.
If I wish to make a proposal please set out a simple statement of your means and any circumstances you wish us to consider. Any queries please call us or our client Robinson Way.
P290 I2D ignore for now

9-12-11 Letter from Credit Security Ltd, Debt Enforcement Office, The Old Courthouse, Whitchurch. We have been instructed by our client to recover the o/s debt. Unless there is a valid reason for non payment settlement is required within 7 days.
Garlock. send account sold in dispute

24-12-11 Letter from Credit Security Ltd. We acknowledge receipt of your template letter dated the 9/12/11 and would advise you that sending one letter dated 6/12/11 does not amount to continual harassment. In order that we may request a copy Credit Agreement we would appreciate receiving a payment for the sum of £1 payable to LTSB. When repling will you kindly provide full details of your dispute and reason for non payment in order that this matter be resolved without further delay.
Niddy. ignore for now

20-6-12 (p389) Letter from Lloyds. As we haven't been able to agree a suitable repayment plan we've transfered your Lloyds TSB debt to debt collection agency MOORCROFT group plc. We've instructed Moorcroft to arrange collection of the outstanding amount. please call Moorcroft now to pay.
I2D p390 agrees with my thinking and will ignore for now

25-6-12 Letter from Moorcroft. It is a legal requirement to send a notice of intended litigation before legal proceedings in the county court are issued. We believe that this letter fulfils this requirment even if it is not actually read by you.Payment should be submitted in full within 7 days or contact made with this office immediately. Both our client and we do not wish to take this action but if agreement cannot be reached by the 27/6/12 a claim may be issued by solicitors instructed to act on behalf of our client without further notice. We would draw to your attention that if judgement and an order for repayment in full is obtained and remains unpaid, a range of court enforcement options are available to our client and an application for one of these may be considered. Call us today.
p396 Send Threat by creditor to commence actions
27-6-12 Sent Telephone Harrassment letter to Moorcroft

3-7-12 Letter from Moorcroft. Account on hold whilst they refer to their client

6-7-12 Letter from Moorcroft Compliance Department. Quite a long and what would seem quite a personalised letter regarding the two letters I sent as above on the 25-6 & 27-6-12. First part asks me to prove that I have asked them not to contact me by phone. Second part confirms that account is on hold and even if they havn't complied with the CCA doesnt mean I don't owe it and refer me to a recent OFT press release 'Consumers warned on 'unenforcable debt' claims'. Then quotes S77,78,79 of the CCA1974.
With the above in mind we would ask that you provide specific details of any reason why you believe you are not liable for this debt. Account will remain on hold and this will remain the position to allow you the opportunity to respond to this letter, our request for specific information regarding your liability and for us to revert back to you with our clients response. If not happy FOS leaflet enclosed.
p407 I2D send Final response UE CCA received.
12-7-12 Letter from Lloyds TSB in response to letter sent 25-6-12 to Moorcroft. Sorry you had to complain, We have provided you with a copy that complies with the requirements of the CCA 1974 and the Consumer credit (cancellation notice and copies of documents) regulations 1983, SI 1983/1557 (the regulations). We do not have to produce an actual copy of the document signed the purpose is to allow debtors access to their terms and conditions of their CA and providing the debtor with a true copy of the t&c of the agreement we have complied with s78, blah, blah, blah. Turning to your allegations of harassment it is the banks obligation as a responsible lender to advise customers as soon as reasonable that they are in arrears. The bank will give no undertaking not to contact you to ask for payment particularly as your alleged dispute is unfounded. Then quotes Carey. This is our final response you can now go to the FOS.
2-8-12 Letter from Moorcroft account on hold whilst we refer to our client.

1-9-12 Letter from Moorcroft. Our client has instructed us to continue to assist in the recovery of this account. Not aware of any dispute, TSB have complied with CCA enclosed a copy of TSB response from 9-7-12. Set up a payment arrangement asap, I&E forms enclosed, Should you believe you are not liable for this account please provide us with specific reasons without this we can't help you and account becomes live again. Account on hold for 14 days till I respond.
p432 I shall ignore for now


22-9-12 Letter from Moorcroft. You have not responded to our previous correspondence you now have 28 days to respond if you do not we shall close our file and return the account to Lloyds

5-11-12 Letter from Lloyds we are changing how we pay things (if you have any ppi we will pay it to your account to clear debt first)

3-1-13 Text from IQor asking me to contact them urgently on an important business matter. Ignored

9-1-13 Letter from LTSB we have transferred your account to a DCA IQor to arrange collection of the outstanding amount. Contact them asap to arrange repayment. I shall ignore for now and await contact from Iqor.

11-1-13 Letter from IQor. Your debt has been passed to us for collection. Resolve immediately or we may commence legal action in the county court. We may also instruct a doorstep collector to visit your home.
p459 Account sold in dispute letter sent.

23-1-13 Letter from Iqor. Further to your request under the CCA 1974 sec77/78 for a copy of your original agreement we note that we have not recieved the £1 fee and for that reason we have not progressed your request further. Should you wish to continue with this request, please forward us the prescribed fee of £1 and your request in writing.
p478 Sent letter saying read my last letter I don't need to send £1.

30-3-13 Letter from LTSB We have recieved a copy of correspondence you have sent to IQOR regarding the account.I have not seen the documentation that has passed between you it is clear they believe you feel the account is in dispute/UE. We have complied on 16-2-2011 and final response issued on 9-7-2012. We believe this debt is enforcable and will continue to contact you about repayments using collection agents please speak to them to arrange repayment. We will not respond to you directly again.
p515 Wait and see what comes next

18-4-13 Constant phone calls day and night from Iqor, will send telephone harassment letter.
Letter from Iqor It is critical that you ring us immediately as we may be able to offer you a substantial discount if you settle your account now. To avoid any further action we urge you to act now.

10-5-13 Letter from GBP Solicitors, we have been contacted by Iqor in relation to monies owed to Ltsb, if full payment, or your proposals for payment are not received by Iqor within 10 days from the date of this letter (6-5-13) it is likely that we will be instructed to commence legal proceedings against you. Any legal action will include a claim for legal costs and interest that may accrue.
Please note we are instructed NOT to enter into correspondence with you at this stage but to refer the matter to our client Iqor. Please contact them directly to avoid the necessity of such action.

Should I send the the threat by creditor to commence action template? All help as always is greatly appreciated.

[ScabHunter]

Re: clueless24 UE Diary

Not sure what to respond with as account has not been sold just moved to the next desk as Raven are part of Compello as is MKRR, any ideas anyone?

I'd send another SWID letter. If they want to play a silly game of pretending to be several organisations at once, let them suffer the consequences. As this letter you are replying to is so insipid and weak, I'd probably wait for the next one before responding.

SH

[Still Waving]

Re: clueless24 UE Diary

Maybe refer them to your letter of 09/03, and confirm that your position regarding this alleged and disputed debt remains unchanged?

[clueless24]

Re: clueless24 UE Diary

Barclaycard

Credit Card
Commenced 2007?
Bal £2.5k
Last paid minimum payment made 24-2-10
Arrangement. Ceased arrangement of £1pm in Oct 2010
Status default
Acc owner Barclaycard. Mercers, Moorcroft, Robinson Way, Barclays, Assigned to MKRR 28-10-2011 Raven writing (24-4-13)

3-2-11 CCA request sent
4-2-11 Delivered
9-2-11 Recieved ack of request dated 8-2-11 dealing with request
18-2-11 Recieved formal demand for full payment from barclaycard
26-2-11 12 + 2 days up on the 23-2-11 no CCA recieved
4-3-11 Recieved letter from moorcroft make payment within 7 days or debt collector may call or may be passed to solicitor.
5-3-11 send account in default of CCA letter as advised
12-3-11 Recieved letter from Moorcroft advising account is on hold whilst they investigate with their client, will communicate their response upon receipt
13-4-11 Received CCA will e-mail Niddy for checking please
14-4-11 Niddy says UE Whoo Hoo!!! send CCA Query T&C Supplied
23-4-11 Received letter from Barclaycard in response to my letter re T&C supplied. Saying they have complied quoting section 78, 61, 82 etc, based upon this information they do not consider the account to be in dispute and will continue to pursue the debt. This they say is their final response.
28-4-11 Niddy say's ignore and update
20-6-11 Letter recieved today dated 20-6-11(Salford to Suffolk by post impressive same day delivery service) from Robinson Way Ltd DCA, pay up or else, we may advise our client to start court action if a court considers your failure to pay to be due to neglect, an order for payment may be made etc etc. this debt will not go away or be forgotten no matter how much I may like that to happen. Call now to pay or agree a payment plan.
20-6-11 Niddy says ignore
30-6-11 Letter recieved from Robinson Way Ltd NOTE...IMMEDIATE ACTION REQUIRED This is a notice about your unpaid account we have been instructed to recover, call us without delay,please tell us if you cannot pay, if you fail to pay and neglect to deal with this account we may take further action.
7-7-11 I2D advised send letter UE CCA recieved.
13-7-11 Letter from Rob Way immediate action required. You have not paid the sum you owe. Until it is paid your account will not be closed, but may stay registered as an unpaid debt in your name. We urge you to settle your account now and clear this up once and for all. Ring today etc etc.
13-7-11 I2D advised ignore
18-7-11 Letter from Rob Way. We have noted the dispute will let you know outcome. In the meantime we will stop all collection activity for this account.
19-8-11 Letter from Rob Way advising we are still awaiting a response from the client concerned, we have reminded them that this query is outstanding. We will let you know the outcome when we recieve the relevent details.
24-9-11 Letter from Rob Way account returned to Original Creditor.
29-10-11 Letter from Barclay Card advising that the account has been assigned and transferred to MKDP on the 18-10-11, this means that they now own the debt, please send your payment directly to them.
9-3-12 Letter from MK Rapid Recoveries Further to our recent communication regarding transfer of ownership of your balance we have not received your offer of payment. Please call us to make payment arrangements, we will continue to contact you by phone or letter until we reach an agreement so we would advise you to contact us to resolve this matter.
I2D send account sold in dispute
19-3-12 Letter from MKRR. We have referred the matter to our client for further investigation. Account on hold.
23-3-12 Letter from MKRR. You have failed to contact us to agree repayment of this debt call us immediately. Receiving incessant automated voice mails for me to contact them.
Will send Telephone harassment template and await further correspondence.
5-5-12 Letter from MKRR. Further to your recent communication with our Collections Department, please find enclosed a copy of your statements as requested. Contact us immediately to discuss repayment
I2D p373 Ignore wait and see whats next.
12-6-12 Letter from MKRR. Further to our recent communication regarding transfer of ownership of your balance, we have not received your offer of payment. We can offer an instalment arrangement call us now, we will still continue to contact you by phone or letter so we would advise you to resolve this matter.
I2D send final response UE general template
25-6-12 Letter from MKRR. Regardless of our attempts to contact you by letter and phone we have not heard from you. Our team are able to help you settle this account call now.
I shall ignore for now.
28-6-12 Letter from MKDP. Further to your recent correspondence in regards to your account we have raised your concerns with barclaycard and we have recieved the enclosed information. As verified in the enclosed information you are liable and we will continue with our collection activities. Unfortunately we have not recieved a copy of the credit agreement but this will be sent to you as soon as it is recieved from Barclaycard. Should you remain unhappy with my response refer to the FOS.
P400 I2D see what they do next.
12-7-12 Letter from MKDP. Thank you for your letter account on hold whilst we investigate.
5-11-12 Letter from MKDP Account still on hold whilst we await paperwork from Barclays

12-1-13 Letter from MKDP. Final response enclosing statements of account and copy of signed application form. You are liable and you must pay we will continue with our collection activity. CONTACT US NOW TO AVOID etc.
13-1-13 Niddy checked paperwork and says UE ignore for now. Application form recieved missing PT
19-2-13 Letter from MKRR Further to our letter offering you help to clear this balance we have not recieved your offer of payment. Contact us immediately to avoid further action.
Send missing PT & telephone harrassment
6-3-13 Letter from MKDP I write further to your request for a true copy of the credit agreement. please accept this as our final response. I enclose a copy of BC resolution letter dated 14-1-13 (first time I have seen this) BC have fulfilled their obligation under sec78 and we no longer regard your account in dispute. We will continue collection activity we are within our rights to telephone you when you refuse to enter into dialogue but can confirm that all communication will be in writing for 3 months and then reviewed. If your not happy go to the FOS
P439 Await next move
8-3-13 Letter from MKRR FINAL NOTICE. You have not taken up our offer of help, and as a legal requirement, we must now inform you that we are instructing our pre-legal department to review your account for further action. They may commence litigation against you which could increase the amount payable due to costs incurred in line with your agreement. we may get a court order, charging order or deduct money from your salary. Contact us immediately.
p502 Send Account UE template
26-3-13 Letter from MKRR FINAL DEMAND. As you have not taken up our offer of help your account is now with the pre legal department. This has left us with no option but to transfer your account to Raven Recoveries to resolve this on our behalf. This may involve applying to the courts for a CCJ, Istructing a bailiff to remove goods from your property etc etc. this is your final opportunity to avoid this happening contact us immediately to avoid this happening.
p503 I shall ignore for now and see what comes next.
31-3-13 Letter from MKDP Further to your recent letter (9-3-13 Account UE) You have had our final response on the 4-3-13 our complaints process has been exhausted no further correspondence will be entered into if you dont like it go to FOS.
p513 Wait and see what comes next and may challenge later

24-4-13 Letter from Raven Recoveries dated 19-4-13. Owing to you not having a payment arrangement with MKRR they have instructed us to collect the o/s balance from you. Full balance payable upon receipt of this letter. Failure to make contact within 7 days of this letter being issued will leave us no further options than to assess your account for alternative action to recover the balance.

Not sure what to respond with as account has not been sold just moved to the next desk as Raven are part of Compello as is MKRR, any ideas anyone?

[ScabHunter]

Re: clueless24 UE Diary

That's what I would do. That is an extremely silly letter they have sent. It doesn't threaten anything, it doesn't offer anything, it doesn't do anything except invite you to use a method of communication which is entirely inappropriate for financial matters. As such, it is too stupid to take seriously and respond to.

SH