My Journey with DMP's CCA's and PPI's

[JLC]

Re: My Journey with DMP's CCA's and PPI's

I have sent it to Niddy using a scanning app. I hope it worked!

[JLC]

Re: My Journey with DMP's CCA's and PPI's

niddy confirmed HSBC Reconstituted 46 page document is .

[Never-In-Doubt]

Re: My Journey with DMP's CCA's and PPI's

It's a poor poor effort

I'd keep quiet now. See what happened next - if it was me of course

[Pixie]

Re: My Journey with DMP's CCA's and PPI's

niddy confirmed HSBC Reconstituted 46 page document is .

Brilliant!

[nightwatch]

Re: My Journey with DMP's CCA's and PPI's

OOOOoooo I do like good news xx

[JLC]

Re: My Journey with DMP's CCA's and PPI's

Originally MBNA card (Barclaycard)

• Type of account Business Credit Card
• Date commenced (ideally before Apr 2007) June 09
• Approx balance £792.41 (I have paid £595.46)
• Date last paid (approximate date you last made a FULL payment) last Full payment made in 2011,
• Are you on arrangement or not paying Not paying since Jan 16
• Status (default/in arrears/up-to-date) in default since 2011
• Account owner (who is writing to you, a DCA or the lender) MKDP

I have CCA's MKDP on 1st February - yet to get a response.

29/2/16 - Letter from Robinson Way dated 24/2/16.
We have received notification from your authorised representative that you are no longer dealing with them and ask you to kindly complete the enclosed financial statement, including and offer of repayment based on your affordability.

We will place your account on hold for 30 days whilst we wait for your response. If you require help or advice, dealing with your financial difficulties, there are several organisations that offer free impartial advice.

You can also contact our trained debt specialist on 0161 743 2573 or contact us via email at contactus@robinson-way.com or via our website at www.robway.co.uk.

1/3/16 - CCA to Robinson Way

7/3/16 - response from Robinson Way noting my dispute/query. Stop all collection. Let us know if we can assist further.

20/4/16 - letter from Robinson Way dated 14/4/16

please note we have not yet received a response from the original creditor (aww shame!)

This note is to let you know that we are continuing to seek an update and we will let you know the response as soon as we can. Action on your account has been temporarily stopped whilst we await a resolution.

Thank you for your patience.

03/6/16 - letter received from Robinson Way dated 28/5/16 basically the same as the one received on 20/4/16.

15/7/16 - another letter telling me they are still continuing a seek and update.

Still trying to reply to my CCA request.

[nightwatch]

Re: My Journey with DMP's CCA's and PPI's

rest while they seek grasshopper, long may you wait xx

[JLC]

Re: My Journey with DMP's CCA's and PPI's

Marks & Spencer Card (started off as a chargecard)

• Type of account Credit Card/charge card
• Date commenced (ideally before Apr 2007) 8th April 1998
• Approx balance £4138.01 (I have paid £3115)
• Date last paid (approximate date you last made a FULL payment) last Full payment made in 2011,
• Are you on arrangement or not paying not anymore sin Jan 16
• Status (default/in arrears/up-to-date) in default since 2011
• Account owner (who is writing to you, a DCA or the lender) Idem Servicing

8/2/16 - received a letter telling me they are looking at my complaint for PPI (from M&S)
8/2/16 - received a letter from Idem telling me they were looking to get my CCA and I should hear from them in 12 working days from the date of the letter (4th Feb, although they signed for it on the 2nd Feb)

22/2/16 - received a letter from Idem servicing dated 19th Feb which refers to my HSBC account but includes my application form for a store card from M&S. Account ref refers to M&S.

22/2/16 - another letter received same day different envelope referencing M&S account stating that they are unable to supply a copy of the credit agreement and acknowledge that until they do the agreement cannot be enforced. However, the balance of the account is still outstanding and we will continue to persue this debt which will include registering any arrears and defaults with the CRAs. The balance on your account is £4077.80 remains due and payable and we will continue to contact you to discuss your repayment proposals. You are free to take whatever action you consider appropriate, but we will not be releasing you from any obligation under the agreement. Yours sincerely Ian Folley Case Handler/Conciliator

23/2/16 - Niddy confirms . Sit tight and wait for next letter then use missing PT's letter

12/3/16 - letter received from Idem Servicing:

There is currently no agreed payment arrangement in place for your account. Unless we are able to rectify this within the next seven days, your account will be reviewed for further action, which could result in either:

a) Your account being placed with our internal Recoveries Department, or

b) Your account being placed with an external debt collection agency for recovery activity.

We want to work with you to secure a long term, mutually acceptable payment arrangement, therefore please contact our office on blah blah blah

the letter goes on, but its just a load of crap

14/5/16 - letter received from Idem servicing dated 11 May 2016.
We recently wrote to you to advise that your account is being managed within our recoveries department and that it was important for you to make contact with our office. As yet we still have not been able to speak with you to discuss your circumstances and establish an ongoing arrangement for your account. This matter is now urgent. Please contact our office on 0800375797 and our experienced staff will be happy to discuss this with you. Blah blah blah


9/6/16 - letter received from Idem Servicing dated 6th June 2016
We are increasingly concerned that we have not been able to speak to you about your account.

We are keen to speak to you in order to understand your situation, so that we can place you on the most appropriate payment arrangement.

Failure to make contact with us may result in the following;
1) a representative may be instructed to visit your property
2) your account may be placed with an external DCA
3) our litigation department may instigate court proceedings

Please contact us as a matter of urgency on 0800 375 796 and our experienced team will be happy to help you. blah blah blah

16/7/2016 - letter from Idem Servicing dated 13 July 2016

We have attempted to contact you on a number of occasions to discuss the outstanding balance on your account. Please contact us on 0800 375 797 within seven days of the date of this letter. Our office hours are (blah blah). In the event that we do not receive contact from you we will appoint and external company, fidelite credit management ltd, to visit your property. The purpose of the visit is to regain contact with you so we can discuss your current financial situation and agree and appropriate payment plan, in accordance with your ability to pay. IF you are experiencing any difficulties there are a number of organisations who can help you (blah blah).

updated - received a letter threatening a doorstep visit.

[JLC]

Re: My Journey with DMP's CCA's and PPI's

HSBC credit card

• Type of account Credit Card
• Date commenced (ideally before Apr 2007) Dec 04
• Approx balance £5167.36 (I have paid £3845.66)
• Date last paid (approximate date you last made a FULL payment) last Full payment made in 2011,
• Are you on arrangement or not paying not paid since Jan 16
• Status (default/in arrears/up-to-date) in default since 2011
• Account owner (who is writing to you, a DCA or the lender) Moorgate

Requested CCA 1st Feb 16 - Response on 8th Feb 16 (date 4th Feb) saying they will get one withing 12 working days. Again letter signed for on the 2nd Feb 2016

22/2/16 - letter received dated 19/2/16 from Idem Servicing (though this is a Moorgate debt) relating to this account stating that they are unable to supply a copy of the credit agreement and acknowledge that until they do the agreement cannot be enforced. However, the balance of the account is still outstanding and we will continue to persue this debt which will include registering any arrears and defaults with the CRAs. The balance on your account is £5092.21 remains due and payable and we will continue to contact you to discuss your repayment proposals. You are free to take whatever action you consider appropriate, but we will not be releasing you from any obligation under the agreement. Yours sincerely Ian Folley Case Handler/Conciliator

The above letter came from Idem, but this account is supposed to be managed by Moorgate. I think Ian has got himself a bit confused!

12/3/16 - letter received from Moorgate dated 9/3/16

There is currently no agreed payment arrangement in place for your account. Unless we are able to rectify this within the next seven days, your account will be reviewed for further action, which could result in either:

a) Your account being placed with our internal Recoveries Department, or

b) Your account being placed with an external debt collection agency for recovery activity.

We want to work with you to secure a long term, mutually acceptable payment arrangement, therefore please contact our office on blah blah blah

the letter goes on, but its just a load of crap


Letter dated 29th March 2016 received from Moorgate stating they have been instructed to make contact with me to agree a solution regarding 'my' outstanding balance.

4/5/16 - letter received from Moorgate dated 11 May 2016.
We recently wrote to you to advise that your account is being managed within our recoveries department and that it was important for you to make contact with our office. As yet we still have not been able to speak with you to discuss your circumstances and establish an ongoing arrangement for your account. This matter is now urgent. Please contact our office on 0800375797 and our experienced staff will be happy to discuss this with you. Blah blah blah

9/6/16 - letter received from Moorgate dated 6th June 2016
We are increasingly concerned that we have not been able to speak to you about your account.

We are keen to speak to you in order to understand your situation, so that we can place you on the most appropriate payment arrangement.

Failure to make contact with us may result in the following;
1) a representative may be instructed to visit your property
2) your account may be placed with an external DCA

Please contact us as a matter of urgency on 0800 375 796 and our experienced team will be happy to help you. blah blah blah


27/6/16 - letter received from Moorcroft in response to my CCA request. It's a reconstituted copy of my CCA. It's 46 pages of illegible credit card terms (10 pages taken from a leaflet), important changes to your agreement (16 pages), HSBC bank credit card agreement terms (12 pages - dated 18/4/2011), computer printout and a pre approved credit card form signed by me dated 20/10/2004), another printout with my details on then two statement for May and June 2016 which I have not received.

niddy confirmed its .

16/7/2016 - letter from Moorgate dated 13 July 2016

We have attempted to contact you on a number of occasions to discuss the outstanding balance on your account. Please contact us on 0800 375 797 within seven days of the date of this letter. Our office hours are (blah blah). In the event that we do not receive contact from you we will appoint and external company, fidelite credit management ltd, to visit your property. The purpose of the visit is to regain contact with you so we can discuss your current financial situation and agree and appropriate payment plan, in accordance with your ability to pay. IF you are experiencing any difficulties there are a number of organisations who can help you (blah blah).

Updated - letter received with the threat of a doorstep visit.

[JLC]

Re: My Journey with DMP's CCA's and PPI's

Virgin MBNA

• Type of account Credit Card
• Date commenced (ideally before Apr 2007) Feb 07
• Approx balance £1859.47 (I have paid £1396.38)
• Date last paid (approximate date you last made a FULL payment) last Full payment made in 2011,
• Are you on arrangement or not paying not paying since Jan 16
• Status (default/in arrears/up-to-date) in default since 2011
• Account owner (who is writing to you, a DCA or the lender) Moorgate

CCA's on 1st Feb to DCA and PPI to MBNA on same date. No response yet.

22/2/16 - response from Moorgate dated 19/2/16. Lots of crappy paperwork. Looking at it, I don't think its enforceable (not sure I should say why on here), but have uploaded it to get it checked in the private area.
23/2/16 - Niddy confirms irredeemably as all MBNA Virgin cards pre 04/07 are. Just snuck in with this one! Sit tight and wait for next letter then use missing PT's letter.

14/3/16 letter dated 9/3/16 received from Moorgate (pretty much the same as Saturdays ones)

There is currently no agreed payment arrangement in place for your account. Unless we are able to rectify this within the next seven days, your account will be reviewed for further action, which could result in either:

a) Your account being placed with our internal Recoveries Department, or

b) Your account being placed with an external debt collection agency for recovery activity.

We want to work with you to secure a long term, mutually acceptable payment arrangement, therefore please contact our office on blah blah blah

the letter goes on, but its just a load of crap

4/5/16 - letter received from Moorgate dated 11 May 2016.
We recently wrote to you to advise that your account is being managed within our recoveries department and that it was important for you to make contact with our office. As yet we still have not been able to speak with you to discuss your circumstances and establish an ongoing arrangement for your account. This matter is now urgent. Please contact our office on 0800375797 and our experienced staff will be happy to discuss this with you. Blah blah blah

9/6/16 - letter received from Moorgate dated 6th June 2016
We are increasingly concerned that we have not been able to speak to you about your account.

We are keen to speak to you in order to understand your situation, so that we can place you on the most appropriate payment arrangement.

Failure to make contact with us may result in the following;
1) a representative may be instructed to visit your property
2) your account may be placed with an external DCA
3) our litigation department may instigate court proceedings

Please contact us as a matter of urgency on 0800 375 796 and our experienced team will be happy to help you. blah blah blah

16/7/2016 - letter from Moorgate dated 13 July 2016

We have attempted to contact you on a number of occasions to discuss the outstanding balance on your account. Please contact us on 0800 375 797 within seven days of the date of this letter. Our office hours are (blah blah). In the event that we do not receive contact from you we will appoint and external company, fidelite credit management ltd, to visit your property. The purpose of the visit is to regain contact with you so we can discuss your current financial situation and agree and appropriate payment plan, in accordance with your ability to pay. IF you are experiencing any difficulties there are a number of organisations who can help you (blah blah).

Updated - letter received threatening a doorstep visit

[JLC]

Re: My Journey with DMP's CCA's and PPI's

Should I reply to doorstep threat letters?

[Susie]

Re: My Journey with DMP's CCA's and PPI's

Only if your doorstep feels unsafe and thinks it needs a restriction order
Personallyafter the first one I ignored them all and just filed the letters. If they do turn up you can just tell them to go away in whatever terms you want as there is nothing they can do, and they have less rights than the postman

[The Tech Clerk]

Re: My Journey with DMP's CCA's and PPI's

Only if your doorstep feels unsafe and thinks it needs a restriction order
Personallyafter the first one I ignored them all and just filed the letters. If they do turn up you can just tell them to go away in whatever terms you want as there is nothing they can do, and they have less rights than the postman

Give them some Mansion Red Polish and tell them to polish the step!

[Enforcer]

Re: My Journey with DMP's CCA's and PPI's

That's telling your age! Only us oldies remember that.

[JLC]

Re: My Journey with DMP's CCA's and PPI's

I have a no cold calling sign up and just point to it and tell people to go away.! I shall continue to do so.