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

[Roger]

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.

Just hang up an old bone with a sign
PLEASE DO NOT FEED THE ROTTWEILER!!!

[JLC]

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

Capital One

• Type of account Credit Card
• Date commenced (ideally before Apr 2007) Sept 2006
• Approx balance £1997.17 (I have paid £1507.17)
• Date last paid (approximate date you last made a FULL payment) last Full payment made in 2011,
• Are you on arrangement or not - not any more!
• Status (default/in arrears/up-to-date) in default since 2011
• Account owner (who is writing to you, a DCA or the lender) Capital One

Haven't CCA'd them yet. Have sent off for PPI. These are next on my list for CCA's.

10/1/16 - CCA posted
11/02/16 - PPI letter received no PPI.

11/03/16 - Scanned copy of CCA received. Will send to Niddy for viewing.

this debt is enforceable.

29/3/16. Letter received from Capital One

basically saying they hadn't received any payments from step change and have had no communication from them regarding the account. If nothing is received within 14 days of the date of this letter (letter dated 21/3/16 but received today) then they may pass on to a DCA or may choose to sell to a debt purchaser.

Letter received dated 7th April 2016

I am writing to inform you that we have instructed Fredrickson International Ltd to act on our behalf to arrange repayment of your capital one account.

Fredrickson International Ltd will be able to help you find the right solution to repay your outstanding balance.

Fredrickson International Ltd will be in contact with your shortly, however you can contact the, anytime to discuss your account.

(Fredericksons address and phone number)

All contact and payments regarding your account should now be with Frederickson International Ltd. If you have an existing Standing Order or Direct Debit you will need to cancel it and arrange payments with Frederickson International Ltd.

(is this good or bad?)

14/4/16 - send SWID letter and telephone harrasment letter.

21/4/16 - Letter received from Fredrickon dated 18th April 2016.

"Capital One (Europe) plc have instructed us to contact you regarding the above account and all communications should now be with us. We would like to work with you to clear the outstanding balance. Please contact us to discuss your account and financial position so we can help you agree and affordable payment plan. You can get in touch with one of our team members on .......... For your convenience we offer a variety of payment methods. Full details are set out on the reverse of this letter. You can also access your account online at www.fredpay.com to make payment, see answers to FAQ's and send and received secure messages. It is important that you contact us as soon as possible to avoid further letters and phone calls regarding your account."

29/4/16 - statement of activity dated 25/4/16 received from Capital one.

30/4/16 - letter dated 28th April 16 received from Fredrickson
we write in response to your recent communication and note the content. We apologise for the phone calls made to you previously and confirm all numbers have been removed from our system and all future correspondence will be in writing where appropriate. We are sorry for any distress, confusion or inconvienience this may have caused you as this was not our intention. We have referred this matter to our client and we will revert to you in due course.

3/5/16 - letter from Fredrickson dated 29th April 16 received. Exactly the same as the one above!

16/5/16 - letter received from Capital one dated 5th May 16 telling me they sent the documents required, they've complied with their obligations etc. Agreement is enforceable and they will continue to treat it as such.

25/6/16 - letter received from Fredricksons telling me capital one have sent documents to me. Please fill in an income and expenditure form.

21/7/16 - letter received from capital one dated 17 July 2017 telling me that the account is now being handled by Apex Credit Management on their behalf.

Updated - letter from capital one.

[JLC]

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

Capital One

• Type of account Credit Card
• Date commenced (ideally before Apr 2007) Sept 2006
• Approx balance £1997.17 (I have paid £1507.17)
• Date last paid (approximate date you last made a FULL payment) last Full payment made in 2011,
• Are you on arrangement or not - not any more!
• Status (default/in arrears/up-to-date) in default since 2011
• Account owner (who is writing to you, a DCA or the lender) Capital One

Haven't CCA'd them yet. Have sent off for PPI. These are next on my list for CCA's.

10/1/16 - CCA posted
11/02/16 - PPI letter received no PPI.

11/03/16 - Scanned copy of CCA received. Will send to Niddy for viewing.

this debt is enforceable.

29/3/16. Letter received from Capital One

basically saying they hadn't received any payments from step change and have had no communication from them regarding the account. If nothing is received within 14 days of the date of this letter (letter dated 21/3/16 but received today) then they may pass on to a DCA or may choose to sell to a debt purchaser.

Letter received dated 7th April 2016

I am writing to inform you that we have instructed Fredrickson International Ltd to act on our behalf to arrange repayment of your capital one account.

Fredrickson International Ltd will be able to help you find the right solution to repay your outstanding balance.

Fredrickson International Ltd will be in contact with your shortly, however you can contact the, anytime to discuss your account.

(Fredericksons address and phone number)

All contact and payments regarding your account should now be with Frederickson International Ltd. If you have an existing Standing Order or Direct Debit you will need to cancel it and arrange payments with Frederickson International Ltd.

(is this good or bad?)

14/4/16 - send SWID letter and telephone harrasment letter.

21/4/16 - Letter received from Fredrickon dated 18th April 2016.

"Capital One (Europe) plc have instructed us to contact you regarding the above account and all communications should now be with us. We would like to work with you to clear the outstanding balance. Please contact us to discuss your account and financial position so we can help you agree and affordable payment plan. You can get in touch with one of our team members on .......... For your convenience we offer a variety of payment methods. Full details are set out on the reverse of this letter. You can also access your account online at www.fredpay.com to make payment, see answers to FAQ's and send and received secure messages. It is important that you contact us as soon as possible to avoid further letters and phone calls regarding your account."

29/4/16 - statement of activity dated 25/4/16 received from Capital one.

30/4/16 - letter dated 28th April 16 received from Fredrickson
we write in response to your recent communication and note the content. We apologise for the phone calls made to you previously and confirm all numbers have been removed from our system and all future correspondence will be in writing where appropriate. We are sorry for any distress, confusion or inconvienience this may have caused you as this was not our intention. We have referred this matter to our client and we will revert to you in due course.

3/5/16 - letter from Fredrickson dated 29th April 16 received. Exactly the same as the one above!

16/5/16 - letter received from Capital one dated 5th May 16 telling me they sent the documents required, they've complied with their obligations etc. Agreement is enforceable and they will continue to treat it as such.

25/6/16 - letter received from Fredricksons telling me capital one have sent documents to me. Please fill in an income and expenditure form.

21/7/16 - letter received from capital one dated 17 July 2017 telling me that the account is now being handled by Apex Credit Management on their behalf.

27/7/16 - letter dated 24th July received from Apex Credit Management informing me that the account details has been passed to them by Capital One as a collection agent.

Updated - letter from Apex Credit manangement

[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).

30/7/16 - letter from Fidelite Credit Management dated 27/7/16. Account been passed to them. If I do not contact Idem, it may result in a visit. Blah Blah Blah

Updated

[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).

30/7/16 - letter from Fidelite Credit Management dated 27/7/16. Account been passed to them. If I do not contact Idem, it may result in a visit. Blah Blah Blah

updated

[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).

30/7/16 - letter from Fidelite Credit Management dated 27/7/16. Account been passed to them. If I do not contact moorgate, it may result in a visit. Blah Blah Blah

updated

[Pixie]

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

I'm assuming you're just going to file these letters?

[JLC]

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

I'm assuming you're just going to file these letters?

yes. Nothing else to do. Apparently fidelite credit management is the new name for a company called scotcall.

[JLC]

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

Update on cooperative overdraft: I have a couple of jobs to honor, then I will be giving up my self employment as my health has deteriorated and I am struggling with it.

I sent Dentons (who are acting on behalf of the cooperative) an offer of £1000 (against £4200 of debt) which was a gift from my mum in full and final settlement (using the template on here). Along with the letter, I sent a report from my rheumatologist outlining my conditions and new diagnose of fibromyalgia and informing them that I am no longer working. This morning I received a letter from Dentons telling me the bank has rejected my offer and they have now instructed Dentons to issue proceedings against me. Previous to this, they turned down an offer of £35 a month. They would only accept it on condition that I agreed to a charging order against me.

should I up my offer or should I take my chances with a judge? I only have income of Carers allowance and that is not going to change as I look after my mum who has Parkinson's disease. Any advice welcome.

edited to ask: should I send an LBA template letter?

[Never-In-Doubt]

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

Update on cooperative overdraft: I have a couple of jobs to honor, then I will be giving up my self employment as my health has deteriorated and I am struggling with it.

I sent Dentons (who are acting on behalf of the cooperative) an offer of £1000 (against £4200 of debt) which was a gift from my mum in full and final settlement (using the template on here). Along with the letter, I sent a report from my rheumatologist outlining my conditions and new diagnose of fibromyalgia and informing them that I am no longer working. This morning I received a letter from Dentons telling me the bank has rejected my offer and they have now instructed Dentons to issue proceedings against me. Previous to this, they turned down an offer of £35 a month. They would only accept it on condition that I agreed to a charging order against me.

should I up my offer or should I take my chances with a judge? I only have income of Carers allowance and that is not going to change as I look after my mum who has Parkinson's disease. Any advice welcome.

edited to ask: should I send an LBA template letter?

Ive replied on your other thread here -> http://forums.all-about-debt.co.uk/s...320#post572320

Upon the claim being received just email me a copy. They'll do what they'll do regardless. Some are just bullies sadly.

[JLC]

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

I'll just try not to worry and wait and see what they do.

[Pixie]

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

Try not to worry and see what Jo says.

[JLC]

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

today there was three separate envelopes put through my door (they didn't knock). The envelopes were hand written with private and confidential on. They were from Fidelite Credit management for my two moorgate and one Idem debt. They delivered their threat of a doorstop visit!

[nightwatch]

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

ah yes, but they didn't knock so threat over, they knew they wouldn't get anywhere so just put them through the door, thus they can say they posted them and so will get paid for it.

[Susie]

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

today there was three separate envelopes put through my door (they didn't knock). The envelopes were hand written with private and confidential on. They were from Fidelite Credit management for my two moorgate and one Idem debt. They delivered their threat of a doorstop visit!

I do hope your doorstep lhad had a shower and put on clean clothes for it visitor