StressHead's UE Diary

[Deepie]

Re: MINT Credit Card

What should I do with this as I've now received a pre-visit notice... Thanks!

Send them this----> Harassment & Threat of Doorstep-Visit

[StressHead]

Re: MINT Credit Card

Send them this----> Harassment & Threat of Doorstep-Visit

Can I send this letter even though the debt IS enforceable?
Thank you.

[Never-In-Doubt]

Re: MINT Credit Card

Can I send this letter even though the debt IS enforceable?
Thank you.

yes

[Never-In-Doubt]

Re: StressHead's UE Diary

I'm just concerned because this is an enforceable debt. I know they don't bother to read anything I send. I'll wait for now and see if Niddy chips in although it seems he's been very busy with the new site. It's brill!! Have you guys seen it?

Its fine, even though it's enforceable - not much you can do is there so we have to play the game and if they then start action, you back off and come to some arrangement to repay.....

Or you can skip the playing games and go in with a monthly offer, if that's easiest for you? Entirely your decision.

[StressHead]

Re: MINT Credit Card

MINT/RBS - ENFORCEABLE
Date commenced: July 2005
Approx balance: £1,552.93
Date last paid in full: ?
Other info: Partial payment paid by DMP, last one in Feb 2011. No payments being made now.
Status: Defaulted Nov 2008. No Default Notice received.
Account Owner: Letters to me were from Wescot. Account is still with MINT.

12 MAY 2010: Letter from DMP Company to Royal Bank of Scotland (MINT) requesting CCA.
3 JUNE 2010: CCA received from MINT to DMP Company.
9 FEB 2011: First letter requesting CCA sent to Wescot.
14 FEB 2011: Letter from Wescot saying that I need to request CCA from RBS.
17 FEB 2011: First letter requesting CCA sent to RBS.
9 MARCH 2011: End of 14 working days and no further response.
8 MARCH 2011: Dated 08.03.11 but received 12.03.11. CCA received from MINT.
1 APRIL 2011: Copy of CCA sent to Niddy.
4 APRIL 2011: Niddy has confirmed that this is . I'm going to try and blag it for a while though.
4 APRIL 2011: CCA Query - Missing Prescribed Terms letter sent to RBS.
07 APRIL 2011: Scribbled note from RBS on a compliments slip saying 'Please provide your clients 16 digit credit card number, we will then deal with accordingly. Many thanks'. I did quote their reference number on my letter but they've returned my letter to me along with the scribbled note with 'unable to trace' written on the top of the letter.
06 MAY 2011: Letter from Moorcroft 'We are agents of MINT (formerly RBS Advanta). Their records show account has balance of £1552.93. They have asked us to contact account holder to discuss the account and we were provided this address by a credit reference agency that supply us with address links based on information held. Please contact us to confirm the position and so we can make the appropiate (this is actually how they've spelt it! DUH!!) arrangements'.
26 MAY 2011: Letter from Moorcroft 'Possible Litigation'. Total debt if judgment is obtained... blah blah blah.
13 JUNE 2011: Letter from Moorcroft with Monthly Instalment Offer of £100. As we have not received any communication from you with regards to your outstanding account, we feel that you may not be in a position to meet our requests to clear the account in full. In order to stop our recommending to our clients that solicitors commence legal proceedings we are prepared to accept payments of £100 a month. Niddy says to ignore for now as they'll be a settlement offer to follow.
27 JUNE 2011: Letter from Midas Credit Services 'Litigation Warning'. We are part of the Moorcroft Group blah blah blah
7 JULY 2011: Threat by Creditor To Commence Litigation Letter sent to Moorcroft.
11 JULY 2011: Letter from Moorcroft '...passed to our Home Collections Division for action.... discounted settlement figure.... A reduction of up to 25%... greater discounts may be available to you and can vary dependant on circumstances... paying the agreed settlement figure over a 3 month period. This offer is available for 7 days'.
14 JULY 2011: Niddy advised to call and offer a maximum F&F of £500. I only went to £450 as the man was being an arse. He said no, offered 25% discount initially but extended it to 35%. I said that it was £450 or £1/month for 125 years. He asked me to send him my SOA and he has made a note of my offer. I've been advised to ignore this request.
11 JULY 2011: Letter from Moorcroft 'Thank you for your recent communication... please request a copy of the CCA along with £1 fee. If you're unhappy with the info provided please contact us by return'. Niddy says ignore.
31 AUG 2011: Letter from Moorcroft saying that they can offer me a 'substantial discount from the outstanding balance. If you are able to pay an acceptable lump sum within the next 14 days we will not pursue the remaining balance of the debt.
5 SEPT 2011: After seeking advice from Niddy, I've called Moorcroft and offered them a F&F of £450. They've said that their best offer remains at £1164.69 unless I can complete a SOA with them over the phone in which case they can go back to their client and ask them for their minimum figure. I said no (because Niddy advised me to) and asked them to send the offer in writing.
5 SEPT 2011: Letter from Moorcroft with their offer in writing.
17 NOV 2011: Letter from Regal Credit Consultants '...instructed by our client to request the immediate settlement of the above liability.... outstanding amount in full...'
1 DEC 2011: Full & Final Payment Offer Letter of £450 sent to Regal.
5 DEC 2011: Letter from Regal Credit Consultants '...as we haven't been notified of any reason for non-payment we request that the account be settled in full...'.
9 DEC 2011: Letter from Regal Credit Consultants 'We are prepared to accept a F&F of £1170 to clear your liability of the above outstanding liability on the condition this is received by 30/12/11. The entry for the account will appear as 'Partially Satisfied'...'. Niddy advises to leave this and see what they send next.
9 JAN 2012: Letter from Regal Credit Consultants 'Your account has been passed to this team in view of the above amount remaining overdue... we shall be making a recommendation to our client that legal action is commenced in 7 days without further notice. The account may be escalated for one of the two following actions to take place - Issue a claim form through County Court - will be passed to our Field Collectors'.
23 JAN 2012: Full & Final Payment Offer Letter of £450 sent to Regal again.
26 JAN 2012: Letter from Regal Credit Consultants '...in receipt of your settlement offer, however in order for us to submit the offer to our client we require further details of your financial situation. Please find enclosed a financial analysis form which needs to be completed and returned...'.
30 JAN 2012: Letter from ScotCall - Doorstep Collection Notice.
12 MAR 2012: Letter from ScotCall - Pre-Visit Notice.
16 MAR 2012: Harassment & Threat of Doorstep Visit Letter sent to ScotCall.
20 MAR 2012: Letter from ScotCall - Revoke Licence Letter (I write in response to your recent correspondence. The case you have referred to is not applicable to your circumstances. As part of the credit agreement that you signed and entered into, you agreed to repay the full outstanding balance and that where necessary, the creditor could recover the debt by outsourcing the debt to a third party, which included by way of doorstep collection. Therefore the license you state that has been revoked is irrelevant, which for the avoidance of doubt we do not agree to, is not binding on us as it does not fulfill the relevant principles of contract law. We are entitled by law and under contract to recover monies outstanding and we are allowed to take reasonable steps in accordance with regulatory guidance to recover such monies).

What can I do next here? Thanks.

[Deepie]

Re: MINT Credit Card

What can I do next here? Thanks.

Just ignore see what they send next......

[StressHead]

Re: CAPITAL ONE Credit Card

CAPITAL ONE - UNENFORCEABLE AT PRESENT
Date commenced: March 2003
Approx balance: £3,550
Date last paid in full: ?
Other info: Partial payment paid by DMP, last one in Feb 2011. No payments being made now.
Status: Defaulted Oct 2008. No Default Notice received.
Account Owner: Letters to me were from Scotcall. Account is still with CAPITAL ONE.

06 JULY 2010: CCA received from Capital One to DMP Company. Letter from Capital One states ‘As we have complied with out obligation under S78, we will not be entering into further correspondence regarding the provision of copy agreements. Ms.X’s agreement is enforceable and we will continue to treat it as such’.
9 FEB 2011: First letter requesting CCA sent to Scotcall.
10 FEB 2011: Letter from Scotcall saying that I need to request CCA from their client, Credit Solutions.
15 FEB 2011: First letter requesting CCA sent to Credit Solutions.
23 FEB 2011: Letter from Credit Solutions saying that I need to request CCA from Capital One.
23 FEB 2011: First letter requesting CCA sent to Capital One. 14 days will be up on 15/03/11.
23 MAR 2011: Letter from Capital One with an attached cheque for £1 saying if I have any questions then to call them. Really confused as to why they've sent this to me? Niddy's advised to ignore for now as they're in breach of CCA request.
04 APRIL 2011: Letter from Cap One saying that I must contact them to arrange payment plan as I am no longer dealing with my DMP Company. Ignoring this.
04 APRIL 2011: Letter from Cap One saying that CCA was sent to DMP. Have scanned Cap One CCA from DMP and sent to Niddy.
26 APRIL 2011: Letter from CapQuest saying that my account has been referred to them to manage all matters relating to collection which may include personal visits from DCA or possible litigation. Contact must be made by 5th May otherwise account will be passed to HL Legal Solicitors.
05 MAY 2011: Threat of Legal Action & Refusal of Doorstep Visit letter sent to CapQuest.
05 MAY 2011: Niddy says as the CCA is a recon. CCA Query - Missing Prescribed Terms letter sent to Capital One.
09 MAY 2011: Letter from CapQuest saying 'prior to start of legal proceedings various checks and validations are undertaken. It has been established that there are no outstanding CCJ's registered against you at the above address.... blah blah... we can offer many repayment methods which may include possible settlements...blah blah... No contact by 20 May 11 will result in your account moving forward to litigation'. Niddy says to ignore.
11 MAY 2011: Letter from Capital One. Niddy says to ignore.
17 MAY 2011: Letter from CapQuest saying that they were unaware of any existing query and therefore they are closing the account on their system.
27 OCT 2011: Letter from Fredrickson Internation Ltd. 'We have been instructed by Capital One to collect the outstanding balance'. blah blah blah
8 NOV 2011: Letter from Fredrickson International Ltd. Letter before action. blah blah blah
27 OCT 2011 - 12 NOV 2011: Five voicemails and 7 text messages from Fredrickson to call them urgently. I've been away hence I've only just updated this.
14 NOV 2011: Account sold while in dispute letter sent to Fredrickson International.
22 NOV 2011: Letter from Fredrickson International, case had been referred back to client.
24 NOV 2011 (received 05/12/11) : Letter from Capital One. '..we note that you claim that we have failed to achnowledge your request for the CCA under S78 of the C.C.A. 1974. To clarify, we first received a S78 request from Grass Roots Financial....we have previously provided GRF with a copy of your defaulted T's&C's and a reconstituted copy of your original agreement; together with a scanned copy of the signature page of your original agreement. They were also provided with a statement of your account. Therefore we have fully complied with the requirements of S78. To assist you I have enclosed a copy of the documents sent to GRF. As we have complied with our obligation under S78, we will not be entering into any futher correspondence regarding te provision of copy agreements. Your agreement is enforceable and we will continue to treat it as such'. And so their letter continues.... there are quite a few pages! Let me know if you need me to send these over to you to look at. Thanks again (as always!).
2 DEC 2011: Letter from Capital One '...it's going to take us a little while to look into your situation and come back with a detailed response...'. I don't understand why I've received this letter after their letter on 24/11/11. Niddy advises to leave this and see what they send next.
27 MAR 2012: Letter from Bryan Carter Solicitors '...payment must be made within 14 days blah blah blah'.

Bearing in mind the last letter I had from Capital One said that they were looking into the situation, should I send Bryan Carter a 'sold in dispute' letter? Thanks

[Deepie]

Re: CAPITAL ONE Credit Card

Bearing in mind the last letter I had from Capital One said that they were looking into the situation, should I send Bryan Carter a 'sold in dispute' letter? Thanks

Just ignore.....in my experience they will leave you alone soon enough

[StressHead]

Re: MARBLES Credit Card

MARBLES - UNENFORCEABLE - WRITTEN OFF IN MAY 2011!
Date commenced: Apr 2003
Approx balance: £10,257
Date last paid in full: ?
Other info: Partial payment paid by DMP, last one in Feb 2011. No payments being made now.
Status: Defaulted Aug 2008. No Default Notice received.
Account Owner: Lowell

29 SEPT 2010: Letter to DMP Company from Lowell stating that they have requested the CCA from the original lender SAV Credit.
19 NOV 2010: Letter to DMP from Lowell saying that ‘after liaising with SAV Credit, the document is no longer available due to the length of time since the account was opened. At this time we have closed our file and will not make any further contact with your client concerning payment against this account unless the copy of the agreement is received at some point in the future from SAV Credit’.
9 FEB 2011: First letter requesting CCA sent to Lowell.
21 FEB 2011: Letter from Lowell saying that they have requested the CCA from SAV Credit.
1 MARCH 2011: End of 14 working days and no further response. Have checked recorded delivery code and letter was delivered on 10/02/11. The original agreement number on the letters from Lowell is not the same as my original agreement number with Marbles. The number was correct on correspondence until the debt was passed from SAV Credit to Lowell back in May 2009.
1 MARCH 2011: Letter from Lowell saying that they haven't received CCA from SAV Credit as yet. Still trying to retrieve it from archives. Account on hold.
29 MARCH 2011: Letter from Lowell saying that after liasing with SAV Credit, they have confirmed that it is no longer available due to the length of time since the account was opened. At this time we have closed our file and will not make any further contact with you concerning payment unless the copy agreement is received at some point in the future from SAV Credit.
06 APRIL 2011: Niddy says ! Yippee!
09 MAY 2011: Letter from Lowell 'After reviewing the account, we are prepared to take a commercial view in relation to this matter and as a gesture of good will and strictly without any admission of liability, we are prepared to close the account and write-off any outstanding balance. We trust that you will find this satisfactory and that this matter is now closed'.
16 MAY 2011: £10,257 officially written off! This account has been closed. What a result! Thanks to everyone, especially Niddy, for their support and advice.

This isn't showing at all on my Experian Credit Report in any way shape or form - Is this correct?

[StressHead]

Re: MBNA Credit Card

MBNA
Date commenced: Sept 2006
Approx balance: £10,570
Date last paid in full: ?
Other info: Partial payment paid by DMP, last one in Feb 2011. No payments being made now.
Status: Defaulted Aug 2008. Default Notice received from Arrow Global Oct 2008.
Account Owner: According to DMP, account is with MBNA. Credit Expert says it’s with Arrow Global. Last letter I received was from Fredrickson International in Oct 2008.

15 JUNE 2010: Letter to DMP Company from MBNA stating that ‘accordingly the credit agreement and current terms and conditions were sent to you’. No CCA or T’s&C’s were received by DMP Company.
8 FEB 2011: Letter to me from Arrow Global asking me to send proof of new address. Letter received on 11/02/11. I moved in Aug 2009.
9 FEB 2011: First letter requesting CCA sent to Fredrickson International.
1 MARCH 2011: End of 14 working days and no response. Have I sent the request to the right company? Have checked the recorded delivery code and it says that it’s still being processed through the Royal Mail system.
4 APRIL 2011: Letter still hasn't been delivered and PO hasn't been cashed. Letter requesting CCA sent again to Fredrickson International.
31 MAY 2011: Letter from Arrow Global 'Arrow Global hold the legal rights of this account and until further notice, all correspondence should be directed to us. We do not accept that we are the creditor as envisaged by the above statute. However, we are willing to assist in obtaining the CCA. We will now process your request from the creditor and will revert in due course. We confirm that all collection activity will be suspended pending provision of the documents'. Amount owing as stated on this letter is £10,201.08.
JUNE 2011: Niddy says to just wait.
27 JULY 2011: Letter from Arrow Global 'Thank you for your recent communication in which you informed us of a different address. We are required to verify... provide us with 2 of the following...'. Presume they're referring to letter on 04/04/11. Still haven't had any further communication from them regarding their letter on 31/05/11.
1 APRIL 2011: Checked my Experian credit report and this debt is showing but they've never got back to me.

Is there anything I can do here as I'd like to get the ball rolling with this one if possible rather than just leave it. Thanks.

[Never-In-Doubt]

Re: MARBLES Credit Card

This isn't showing at all on my Experian Credit Report in any way shape or form - Is this correct?

and you're worried/concerned/asking - why?

Its normal, as some dont leave records, others do and it may appear later if/when it's re-sold.

[Never-In-Doubt]

Re: MBNA Credit Card

Is there anything I can do here as I'd like to get the ball rolling with this one if possible rather than just leave it. Thanks.

why would you even think of chasing up an account that's sitting in UE state due to their lack of compliannce with s.78?

Have you had a fall today and bumped the head or has the fact you've wasted money on experian blinkered your thoughts?

[StressHead]

Re: EGG Credit Card

EGG - UNENFORCEABLE - WRITTEN OFF IN MAY 2011!
Date commenced: Nov 2002
Approx balance: £5,422
Date last paid in full: ?
Other info: Partial payment paid by DMP, last one in Feb 2011. No payments being made now.
Status: Defaulted June 2008. Default Notice received from EGG Sept 2008.
Account Owner: Letters to me were from red Debt Collection. Account is with Lowell.

30 SEPT 2010: CCA received from EGG to DMP Company.
9 FEB 2011: First letter requesting CCA sent to red Debt Collection.
21 FEB 2011: Letter from Lowell saying that they have requested the CCA from EGG.
1 MARCH 2011: End of 14 working days and no further response. Have checked recorded delivery code and letter was delivered on 10/02/11.
1 MARCH 2011: Letter from Lowell saying that they haven't received CCA from EGG as yet. Still trying to retrieve it from archives. Account on hold.
29 MARCH 2011: Letter from Lowell saying that after liasing with Egg, they have confirmed that it is no longer available due to the length of time since the account was opened. At this time we have closed our file and will not make any further contact with you concerning payment unless the copy agreement is received at some point in the future from Egg.
06 APRIL 2011: Niddy says ! Yippee!
06 MAY 2011: Letter from Lowell enclosing copy of original CCA. 'We look forward to your proposals for repayment within the next ten days'. Letter posted on 12.05.11.
09 MAY 2011: Letter from Lowell 'After reviewing the account, we are prepared to take a commercial view in relation to this matter and as a gesture of good will and strictly without any admission of liability, we are prepared to close the account and write-off any outstanding balance. We trust that you will find this satisfactory and that this matter is now closed'.
16 MAY 2011: £5,422 officially written off! This account has been closed. What a result! Thanks to everyone, especially Niddy, for their support and advice.
23 MAY 2011: Text from Lowell asking me to call them urgently!
23 MAY 2011: Received 28/05/11. Letter from Lowell regarding no contact from me.
24 MAY 2011: Phone call (at 8am) from Lowell stating that I need to arrange a repayment plan. Informed them of my last letter. Lowell said that there would have been something in there regarding 'if they found the CCA'. So I happily read her the letter and she 'spoke to her supervisor' and then informed me that they'll pass it back to admin as the account has been closed.

This is listed on my Experian Credit Report as Status - Default and Balance - Satisfied. Is this correct? I thought that if they listed it as Satisfied bearing in mind they took a 'commercial decision to write the debt off' because it was unenforceable then would it not show as Status - Satifactory? Can you please advise?

[Never-In-Doubt]

Re: EGG Credit Card

This is listed on my Experian Credit Report as Status - Default and Balance - Satisfied. Is this correct? I thought that if they listed it as Satisfied bearing in mind they took a 'commercial decision to write the debt off' because it was unenforceable then would it not show as Status - Satifactory? Can you please advise?

See above posts

Please don't waste money on Experian

have you considered some lenders only report to Equifax, and others only report to Experian whilst a couply only report to callcredit.

Anyway, unless you've won the lottery and can afford to settle all your debts why have you bothered with this experian report? All you've now done is alert all lenders that you're active and guess what that means?

You'll now get bombarded with letters

I do wish people wouldn't worry about credit files when they know they are in debt and/or going down UE - its a total waste of time.money and MY effort in replying to posts like this

Rant over

[StressHead]

Re: BARCLAYS BANK Overdraft

BARCLAYS OVERDRAFT - ENFORCEABLE - F&F £500 - PAID IN DECEMBER 2011!
I know this isn't a credit card or loan but it's one of my debts so I have included it in my Debt Diary.

Approx balance: £2,153
Other info: Partial payment paid by DMP, last one in Feb 2011. No payments being made now.
Status: Defaulted June 2009. No Default Notice received.
Account Owner: Letters from Central Debt Collections Services. Still with Barclays Bank.

23 FEB 2011: Letter from me to CDCS saying that I am no longer dealing with DMP Company and that I would like to continue paying them the token payment each month. I have already claimed back charges on this account. I presume that I will have to pay this back in full as it is an overdraft.
1 MAR 2011: Letter from CDCS accepting monthly token payment of £6.24. Niddy says to not pay for now so will ignore for now.
11 APR 2011: Letter from CDCS. You have failed to keep to the agreed monthly repayment arrangement. Have ignored.
26 APR 2011: Letter from CDCS. FINAL NOTICE. Unless full settlement is made immediately your account will be placed in the hands of a professional debt collection agency for recovery of the full outstanding balance.
5 MAY 2011: Advised by Niddy to start repaying the original £6.24/month. Called CDCS to get details for standing order and inform them that I cannot pay the full amount in one go. They're happy for me to pay £6.24/month and it will be reviewed every 6 months. They informed me that the total owing is £2001.70 but that they would accept a F&F of £1100 (55% of original amount) and that the account would then show as settled in full. This F&F figure will be valid for 3 months. I have set up a SO for £6.24/month.
14 NOV 2011: 6 month review call from CDCS. Balance is now £1964.26. I offered a F&F of £400, they said that the minimum they can accept is £750. I said I couldn't afford that so I'll continue to make the monthly payments.
22 NOV 2011: Letter to CDCS offering them a F&F of £500.
12 DEC 2011: Call from CDCS saying that they will accept a F&F of £500. I have asked for the F&F in writing and Niddy's advised me to PM him once I receive it at which point he'll compose a legally sound document which means that they cannot resell the debt at a later debt.
13 DEC 2011: Letter from CDCS 'We are prepared, without prejudice, to accept £500 in full and final settlement of the debt, provided that the payment is made by the 28th December 2011. Upon receipt of cleared funds we will inform the Credit Reference Agencies accordingly'.
20 DEC 2011: F&F of £500 paid today! Job done!!
28 DEC 2011: Letter from CDCS confirming that the debt is now satisfied.

This is another account which is listed on my Experian Credit Report as Status - Default and Balance - Satisfied. They accepted a F&F so shouldn't it now show as Status - Satifactory? Can you please advise? Thanks again!