clueless24 UE Diary

[billytommo]

Re: clueless24 UE Diary

They say they they CAN'T take any action, doesn't mean they won't still hassle you. Just keep that letter nice and safe!

[clueless24]

Re: clueless24 UE Diary

Egg Banking

Credit card
Approx 2000
Bal £11k
Last paid 24-2-10
Arrangement £1 token/ stopped Feb 2010
Status Default
Acc Owner Egg, DLC writing acting on behalf of Egg, Aplins, Hillesdens, DLC, Hillesdens, Fredricksons, Moorcroft, Bryan Carter, Rockwell.

3-2-11 CCA request sent
4-2-11 Delivered
9-2-11 Recieved letter from DLC returned chq and advised write direct to EGG
11-2-11 CCA request sent direct to Egg
14-2-11 Delivered
21-2-11 Recieved letter from DLC dated 18-2-11 Notice of debt recovery
24-2-11 Recieved CCA have e-mail Niddy
24-2-11 Recieved letter from Aplins Solicitors have been instructed by DLC on behalf of EGG to recover bal, giving me 7 days to make full payment or agreement to pay, or legal proceedings may be commenced without further notice + fixed costs and fees.
25-2-11 NIDDY SAYS UNENFORCABLE WHOO HOO!!!!
Have sent Threat O Gram and Original CCA letters to both DLC & Aplins
12-3-11 Have recieved response from Hillesden Securities in response to my letter as above sent to Aplins and DLC. Noting my correspondence but that the issues raised are regarding the documentation supplied by Egg, due to the above my correspondence needs to be sent directly to thier clients Egg for them to address my concerns. Ignored
7-4-11 Received letter from DLC advising Client may be prepared to consider reducing balance, I must telephone immediately to discuss, failure to respond may result in further action being taken.
8-4-11 Sent Debtors final response letter recorded delivery
19-4-11 Received letter from Hillesden Securities We have noted the content of your correspondence (Debtors final response to CCA recieved) However we note that the issues raised are regarding the documentation supplied by Egg Banking, due to the above your correspondence needs to be sent directly to our client for them to address your concerns.
25-5-11 Recieved an e-mail from Egg advising my account has now been assigned to Barclaycard
5-6-11 Letter recieved from Fredricksons who have been instructed by Egg to collect outstanding balance. I must contact them immediately to discuss the matter.
5-6-11 Niddy says send Acc sold in DF of CCA
13-6-11 Recieved letter from Fredrickson's letter before action. 7 days to pay otherwise we will refer account to solicitors who may take legal action without further notice. They have added £190 court fees and £100 Solicitors fee to the balance outstanding if proceedings are issued.
24-6-11 Recieved letter from Fredricksons if I require documentation under the CCA 1974 I may request from thier client send £1, in the meantime please contact them to arrange payment proposals.
24-6-11 Send CCA Missing PT's
18-7-11 Letter from Fred Int. You have failed to make an acceptable repayment proposal on this account. THIS DEBT WILL NOT GO AWAY. Pay now.
18-7-11 Niddy says ignore for now
19-11-11 Letter from Bryan Carter Solicitors payment must be made within 14 days failing which we will recommend to our client that proceedings be issued without further notice. Should procedings be issued, additional charges will be added to the existing balance thus £190.00 Court Fees & £100.00 Solicitors fees. If you dispute liability for this debt please state your reasons why in writing and supply us with documentation in support of your defence to any claim. Before the account is referred to us to litigate you still have the opportunity to contact Fred Int with your payment proposals. To avoid further action contact them immediately.
19-11-11 swanfan says send Threat before action
27-10-11 Letter from Bryan Carter Thank you for your letter of the 19/10/11 requesting documentation. We are unable to provide this information you should request this direct from our client with a £1 fee. In the meantime you need to contact us with your payment proposals
11-11-11 Letter from Barclaycard advising the debt has been transferred to Arrow Global Guernsey Ltd this letter is formal notice of assignment of the debt. bal o/s is now payable to Arrow. Fredricksons will continue to service the account on behalf of Arrow. Fred's will continue to honour any payment arrangement until it is due for review and they will contact you to review your circumstances.
11-11-11 I2D. Ignore for now
15-11-11 Letter from Fred's Despite a recent letter from Bryan Carter Solicitors you have failed to discharge your debt with our client. We are prepared to offer you one final opportunity to pay before recommending to our client that they instruct solicitors to issue a claim at my address.
At this late stage and as gesture of goodwill we are prepared to accept a full and final settlement on this account provided that you contact us on 0845 within 48 hours
15-11-11 Pixie send threat to commence litigation to Fred Int
21-11-11 Letter from Arrow Global Guernsey Ltd NOTICE OF ASSIGNMENT. You should contact Fred Int as a matter of urgency to organise payment unless you believe you have received this in error or the balance is incorrect or not owed contact with all relevant info as a matter of urgency.
28-11-11 Scary letter from Bryan Carter may be referred for court proceedings. Must pay by the 5/12/11 to avoid it going to court.
Pixie & Niddy send Threat to commence litigation to B C
1-12-11 Another letter from BC my letter of the 15-11-11 to Fred int has been forwarded to them. We deny harrassment but confirm all communication will be in writing.
This account is regulated by Consumer Credit Legislation. It is our clients policy to provide agreements at the point of contract and statements throughout the duration of the account and in this regards verification of the claim has previously been provided.
If you require documentation you must request this from our client direct.
We note you have already admitted liability for this debt as you last made a payment in the sum of £4 direct to our client on the 3-10-2010.
As we have no record of a valid dispute in this matter and as we have clarified our position and that of our client we look forward to hearing from you with your payment proposals.
P317 Niddy says ignore for now and wait
25-2-12 Letter from Bryan Carter Solicitors. We confirm we have referred your dispute to our client and they have advised us that they have no record of a dispute on file. Our client believes the outstanding balance is lawfully owed to them and we look forward to hearing from you with your payment proposals for repayment. Alternatively, if you dispute the above account, please provide details to us.
P355 Niddy send Final Response UE
9-3-12 Letter from BC Solicitors. Thankyou for your letter of the 25-2-12 requesting documentation. we are unable to provide this information. if you require documentation you can request this direct from our client with the statutory fee of £1. In the meantime we request that you contact us with your proposals for repayment.
I2D see what they send next.
5-4-12 Letter from Bryan Carter Solicitors. We have afforded you the opportunity to come to an arrangement to repay the balance outstanding yet you have still failed to repay the debt. Further action may be taken if you do not repay the monies that are owed and it is important that you do not ignore this correspondence. Call us now. We are also instructed to offer you a final opportunity to pay a reduced settlement figure which will remain available for 14 days.
I2D p371 Ignore for now
24-8-12 Letter from Bryan Carter. We regret to note that you have failed to make payment to discharge this account. Unless we hear from you with your proposals for repayment of the debt within 10 days enforcement procedures will be taken without further notice.
p426 swanfan Send enough is enough template
31-8-12 letter from Bryan Carter. We note the contents of your letter. if you require documentation under the CCA 1974, you may request this directly from our client with the appropriate £1 fee. In the meantime contact us with your payment proposals. Enclosed with the letter is my original letter enough is enough as sent on the 24-8-12
p429 I2D Will wait and see what happens next
26-11-12 Letter from Moorcroft we are trying to contact you about a personal matter please call
Ignored
7-12-12 Letter from moorcroft. To prevent possible litigation please send payment by the 11-12-12 if you do not contact we will assume that you are avoiding repayment of this debt. Your debt will increase (by £300).
p449 I2D Send Account sold in dispute
21-12-12 letter from Moorcroft. In response to Acc sold in dispute letter, thank you for your recently recieved letter requesting a copy of the credit agreement. However under the CCA 1974 you must provide a £1.00 fee, make your fee payable to the above client(arrow). Consequently if you submit the prescribed payment we will gladly process your request.
p453. Niddy See what comes next.

27-3-13 Letter from Rockwells we have been instructed by Arrow Global to contact you, this debt must be paid in full within the next 10 days or we will take further action.
p506 Send acc sold in dispute

4-4-13 Continuous calls to both mobile and landline from R'wells
Sent telephone harrassment template

12-4-13 Letter from R'well Whilst we note your frustration at our attempts to contact you we are trying to discuss the o/s balance. We have not recieved a response to either our calls or correspondence, we cannot agree with your comments stating this is harassment.We will hold account for 30 days awaiting your response also enclose I&E form. If you have a query or dispute we need full details to investigate. If you are not happy go to FOS. The FOS only has jurisdiction in respect of eligible complaints as defined by the FSA rules and we cannot guarantee that you are an eligible complainant.
p520 Send a one liner informing them they have had account in dispute.
5-5-13 Letter from R'well. We note your request for documentation under the CCA and have requested copies of these documents Account on hold from collection activities awaiting this information.

19-9-13 Letter from R'Well We note your request for a copy of the original agreement 77-79 CCA1974. UNFORTUNATELY THE AGREEMENT IS NO LONGER AVAILABLE We are therefore unable to comply fully but we enclose copy statements and original application. Notwithstanding the debt remains valid. We know that until we provide you a copy of the CCA we cannot enforce your credit agreement through the courts. That is not in dispute.
Whilst we are currently unable to take legal action to enforce the loan the debt is still owed and we expect you to pay it. We may charge interest, transfer the debt to a third party register with a credit ref agency and issue a default notice. We therefore reserve our right to register any default with the CRA's.
In respect of any claim that this debt is in dispute, we agree that the agreement is unenforceable in a court of law as explained above however the money lent to you has not been repaid to date and therefore neither of these facts are in dispute and we consider this matter closed.
Provide your firm and realistic repayment proposals together with an initial payment within 30 days to avoid any further recovery action being taken, enclosed a financial statement to return.

13-11-13 Letter from R'Well We are trying to find the best way forward for you and our client, as long as we are managing your account we guarantee
That no debt collector will visit your home.
You will not be subject to any legal action or incur legal fees or costs.
No interest will be applied to your outstanding balance.
If the client take the account back they may consider the above to recover the amount owed.
Time is of the essence, to avoid action call us immediately.

6-12-13 Letter from R'wells You have not resolved this issue and we are now considering passing the account to our specialist recovery agents Fenton Cooper, we are able to offer you a reduced amount to settle the account but you must contact us within the next 14 days.

I'm thinking I should probably send another Acc in dispute letter?

[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, Dms

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.
Sent account sold in dispute.
12-6-13 Letter from DMS offering a generous discount if I contact them to arrange repayment of this debt.
I shall ignore for now.
17-6-13 Letter from DMS Account on hold whilst we investigate your complaint.
2-7-13 Letter from DMS Account still on hold whilst we investigate.
30-7-13 Letter from DMS Acc on hold whilst we investigate.
21-8-13 Letter from DMS Further to my letter dated the 30-7-13 our client has advised that you need to make your CCA request to them as they are now the legal owners of the account, please send your request direct to Arrow Global as our file on this matter is now closed.

2-12-13 Letter from R'well We have been instructed by Arrow to contact you regarding the account, it must be paid in full within the next 10 days otherwise we will take immediate action.

I am thinking I should send Acc in dispute, all help as always gratefully appreciated.

[Deepie]

Re: clueless24 UE Diary

I am thinking I should send Acc in dispute, all help as always gratefully appreciated.

Yes I would....

[ken100464]

Re: clueless24 UE Diary

Why do they keep on insisting that they are passing these accounts between different firms when it takes 5 mins on Google to find out they are all one and the same. Tessera, Fenton Cooper and Rockwell all at same address. More like hand it to the next desk or room.

The more sinister thing though is the amalgamation of debts owned by Arrow at one agent just as they said they were going to do when they were joining up with Experian in the spring.

From what I was reading this is exactly what we could expect more and more of. The final bit was that debt purchasers would know who is running the most accounts for each consumer and therefore place their account with that particular DCA. Arrow seemed to be of the expectation back then, that if we had multiple accounts, then in the future we would have one DCA. But this DCA would know a whole lot more about us and our situation.

Very interesting to see they could not find your Original Egg Agreement.

[I Love Crisps]

Re: clueless24 UE Diary

Scary letter with Capital letters should I respond with anything please?

Hi m8, looks like im about 6 months behind you in the chain of letters as have just got the Keynes legal action letter...how did you get on?

[clueless24]

Re: clueless24 UE Diary

Hi I.L.C
Sorry I didn't reply sooner, I sent the threat by creditor template at the end of September and have not heard from them since, lets hope it stays that way hey? Good luck with your journey I shall keep everyone updated.

[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, Dms. R'wells

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.
Sent account sold in dispute.
12-6-13 Letter from DMS offering a generous discount if I contact them to arrange repayment of this debt.
I shall ignore for now.
17-6-13 Letter from DMS Account on hold whilst we investigate your complaint.
2-7-13 Letter from DMS Account still on hold whilst we investigate.
30-7-13 Letter from DMS Acc on hold whilst we investigate.
21-8-13 Letter from DMS Further to my letter dated the 30-7-13 our client has advised that you need to make your CCA request to them as they are now the legal owners of the account, please send your request direct to Arrow Global as our file on this matter is now closed.

2-12-13 Letter from R'well We have been instructed by Arrow to contact you regarding the account, it must be paid in full within the next 10 days otherwise we will take immediate action.
Sent Account sold in dispute.
14-12-13 Letter from R'well We note your comments and have sought further information from our client.

13-3-14 Letter from R'well A copy of the executed agreement and statement is enclosed we have satisfied your request to provide a copy. Having satisfied the agreement advise you that is fully enforceable, no further correspondence, mbna no longer own the account if I want further docs I must sent a fresh request to Arrow with £1 fee. I have 30 days to pay outstanding amount, collection and defaults will continue.

Please can I have some help with this one? If I follow the pattern with previous DCA's then it would follow I should send Missing Prescribed Terms template but as they have said no further correspondence I am not sure this would help. Do I wait and see what comes next or should I do as they suggest and send a fresh CCA request to Arrow knowing that whatever they send will not be a true and accurate copy. As always all help is greatly appreciated.

[Deepie]

Re: clueless24 UE Diary

Please can I have some help with this one? If I follow the pattern with previous DCA's then it would follow I should send Missing Prescribed Terms template but as they have said no further correspondence I am not sure this would help. Do I wait and see what comes next or should I do as they suggest and send a fresh CCA request to Arrow knowing that whatever they send will not be a true and accurate copy. As always all help is greatly appreciated.

I'd send MPT Letter...and keep the paper trail going....

[PlanB]

Re: clueless24 UE Diary

I'd send MPT Letter...and keep the paper trail going....

Would that be this one ? http://www.all-about-debt.co.uk/old/...escribed-terms

I think it's safe to assume that Plan B has actually no idea what I'm talking about when it comes to the template letters so check it out with a Mod or a member of Site Team before you send any letter

[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, Dms. R'wells

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.
Sent account sold in dispute.
12-6-13 Letter from DMS offering a generous discount if I contact them to arrange repayment of this debt.
I shall ignore for now.
17-6-13 Letter from DMS Account on hold whilst we investigate your complaint.
2-7-13 Letter from DMS Account still on hold whilst we investigate.
30-7-13 Letter from DMS Acc on hold whilst we investigate.
21-8-13 Letter from DMS Further to my letter dated the 30-7-13 our client has advised that you need to make your CCA request to them as they are now the legal owners of the account, please send your request direct to Arrow Global as our file on this matter is now closed.

2-12-13 Letter from R'well We have been instructed by Arrow to contact you regarding the account, it must be paid in full within the next 10 days otherwise we will take immediate action.
Sent Account sold in dispute.
14-12-13 Letter from R'well We note your comments and have sought further information from our client.

13-3-14 Letter from R'well A copy of the executed agreement and statement is enclosed we have satisfied your request to provide a copy. Having satisfied the agreement advise you that is fully enforceable, no further correspondence, mbna no longer own the account if I want further docs I must sent a fresh request to Arrow with £1 fee. I have 30 days to pay outstanding amount, collection and defaults will continue.
Sent Missing prescribed terms
28-3-14 Letter from R'well. We note your comments and have sort further info from our client.
7-4-14 letter from R'well. Enclosing another copy of cca, request satisfied, no further correspondence, enforceable will continue to collect, under cca request we do not have to provide a copy of the cca, MBNA were unable to locate a copy of the signed agreement but would not have opened a credit facility without a signed agreement.

Once again they have sent me an agreement that is a 100% not mine, I am totally confused about the letter and what if anything I should respond with, all help as always is greatly appreciated

[The Tech Clerk]

Re: clueless24 UE Diary

CCA not your send to FCA etc

[clueless24]

Re: clueless24 UE Diary

Hi
Sorry if I misled you, the agreement does not belong to someone else it has my details on it but it's definitely not mine. Should I respond with anything please?

[Still Waving]

Re: clueless24 UE Diary

(Bump)

Hi

Possibly send http://www.all-about-debt.co.uk/inde...cept-ue-status

But see if any other suggestions come forward.

Edit: Also keep their last letter safe, as you could use it against them at some point with a slightly tweaked http://www.all-about-debt.co.uk/inde...firming-no-cca

(Someone with more experience might say send the latter first. Any thoughts folks?)

[Pixie]

Re: clueless24 UE Diary

I would send the first letter Still waving suggests.