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

[JLC]

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

There's a telephone harrassment letter in the AAD+ templates section which you could send. They'll probably write back and say that they don't think it's harrassment but they usually stop.

I will send one out.

[JLC]

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

They just called again. I requested that they do not call again and take the number off their list and if they called again I would report them for harassment. The lady apologised and hung up. Hopefully I will not receive a call from them again, if I do I will send the letter.

[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

7/10/16 - letter received from Moorgate informing me that I haven't returned an income and expenditure form.

7/11/16 - letter from Moorgate received dated 2/11/16. The letter is offering me 25% of the current balance.

28/11/16 - letter from Idem Servicing dated 22/11/16 informing me my account has been sold to Cabot Credit Management Group

2/12/16 (7.40pm) - telephone call from Cabot. Asked them not to call my number again.

3/12/16 - text message received today. Number now blocked.

5/12/16 - text message received today

5/12/16 - letter received from Cabot (no date on the letter) asking me to contact them.

6/12/16 approx 10am, another telephone call from Cabot which my mums PA answered and just said I wasn't here.

7/12/16 approx 9.20am - another telephone call. Harrassment letter sent today.

They called again yesterday (6/12/16 at about 12pm) and this morning, so have sent them the harrassment letter. Hopefully they will stop now.

[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

7/10/16 - letter received from Moorgate informing me that I haven't returned an income and expenditure form.

7/11/16 - letter from Moorgate received dated 2/11/16. The letter is offering me 25% of the current balance.

28/11/16 - letter from Idem Servicing dated 22/11/16 informing me my account has been sold to Cabot Credit Management Group

2/12/16 (7.40pm) - telephone call from Cabot. Asked them not to call my number again.

3/12/16 - text message received today. Number now blocked.

5/12/16 - text message received today

5/12/16 - letter received from Cabot (no date on the letter) asking me to contact them.

6/12/16 approx 10am, another telephone call from Cabot which my mums PA answered and just said I wasn't here.

7/12/16 approx 9.20am - another telephone call. Harrassment letter sent today.

7/12/16 approx 2pm - another text message from Cabot received.

updated - another text received. Let's hope it stops soon!

[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

7/10/16 - letter received from Moorgate informing me that I haven't returned an income and expenditure form.

7/11/16 - letter from Moorgate received dated 2/11/16. The letter is offering me 25% of the current balance.

28/11/16 - letter from Idem Servicing dated 22/11/16 informing me my account has been sold to Cabot Credit Management Group

2/12/16 (7.40pm) - telephone call from Cabot. Asked them not to call my number again.

3/12/16 - text message received today. Number now blocked.

5/12/16 - text message received today

5/12/16 - letter received from Cabot (no date on the letter) asking me to contact them.

6/12/16 approx 10am, another telephone call from Cabot which my mums PA answered and just said I wasn't here.

7/12/16 approx 9.20am - another telephone call. Harrassment letter sent today.

7/12/16 approx 2pm - another text message from Cabot received.

8/12/16 - letter received from Cabot dated 2/12/16 telling me they have confirmed that I live at my address. It then goes on. There is another sheet with the title "important information about your account" it goes in to say that this letter is the notice of assignment and it is important to me.

another letter from Cabot. Shall I ignore or send a SWID?

[Pixie]

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

I would send SWID though others might disagree.

[nightwatch]

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

yep it may be the time to send one, I would possably put a one liner at the bottom refering to your harassment leter asking again for all calls and text to stop

[JLC]

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

Thanks Pixie and Nighwatch, Letter now done ready to send.

[JLC]

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

Barclaycard

• Type of account Credit Card
• Date commenced (ideally before Apr 2007) 2006
• Approx balance £3268.75 (I have paid £2440.78)
• 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) Barclaycard

I haven't CCA'd Barclaycard yet. I PPI's them, but have no PPI with them.

10/2/16 - CCA request posted.

29/3/16 - CCA received, sent to Niddy to look at.

Letter received from Barclaycard dated 29/3/16. We have been trying to contact you for several months, but haven't been able to reach a suitable repayment arrangement with you. As your account it still overdue, we need to let you know what will happen if you don't make a payment or get in touch with us. It then goes on about issuing a default notice.

Spoke to Plan B today about this account and there are a few discrepancies on both the forms supplied and credit file. Still waiting for Niddy to return, but pretty much look unenforceable. Also missing Conditions.

22/4/16 - statement received from barclaycard. £45.60 interest and £12 'other charge' added.

11/5/16 - default notice received from barclaycard dated 5 May 2016.

23/5/16 - statement received from barclaycard. £42.04 interest added.

8/6/16 - letter received from barclaycard dated 2/6/16.

A default has been registered on your account - you now need to pay your balance in full (it's basically telling me that my account is with the recoveries team and may be passed to a DCA - it's a side and a half of a page)!

15/9/16 - letter received from barclaycard dated 10/9/16. I am writing to notify you that the above account was assigned and transferred by Barclaycard to Hoist Portfolio Holding 2 Limited (HPH2 LTD) on 22/8/16. This means that the effective owners of the above account are now Hoist Portfolio Holding 2 Ltd. HPH2 Ltd has appointed Robinson Way Limited as their servicing agent to manage your account on their behalf. All contact regarding this account should now be directed to Robinson Way. With effect from the date of receipt of this notice all payments due to barclaycard shall be paid to HPH2 Ltd via Robinson Way.

16/9/16 - two letters received in the same envelope from HPH2 ltd and Robinson Way

28/9/16 - letter from Robinson way dated 22/9/16 offering me four payment options with a weekly payment

10/10/16 - letter received from Robinson way.

it is important that you get in touch with us to tell us about your situation. If we don't hear from you, we will have to make a decision on what happens next to the balance you owe.

options we have to consider are

* whether to advise our client to instruct Howard Cohen & Co solicitors to commence legal action against you; or
* further collection activity, letters and calls

We would prefer to agree an affordable arrangement and it's not too late for this.

alternatively, our client has confirmed they are willing to accept a single payment of £2,490.63 to clear this balance in one payment

please contact us .................blah

4/11/16 - letter received from Robinson Way dated 31/10/16

Pre-Legal Assessment
your account remains unpaid despite previous attempts to contact you.
we have assessed your account and established that it meets our initial criteria to be considered for legal action. We now need to understand your individual circumstances to determine the most appropriate action to be taken for your account.
The best way for us to understand your circumstances is for you to contact us. If you do not contact us we will be forced to assess your account for litigation based on the information we currently hold for you.

what this means for you

*Your account may be transferred to Howard Cohen & Co Solicitors in 10 days without further notice.
*If your account is transferred to Howard Cohen & Co Solicitors and court action is taken they will ask the court for an order adding legal costs and interest to the amount you owe. If the court grants their request then the amount you owe will increase.

its not too late to agree and affordable payment plan:

*if you would rather agree and affordable payment plan directly with us to prevent us considering passing your account to Howard Cohen & Co or if you believe you have a valid dispute relating to this account please call us before 11/11/16.

*if you prefer you can deal with your account online ......blah

24/11/16 - letter received from Robinson Way dated 19/11/16 - Another Pre Legal Assessment letter the same as the one above giving me until 30/1/16 to contact them.

14/12/16 - notice of Pending Legal Action received from Howard Cohen & Co Solicitors threatening court action.

Should I reply with LBA, SWID or something else? The letter was dated 8/12, received today with 10 days to reply.

[Pixie]

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

I don't like Howard Cohen

I would send the New LBA Response 2016 which is in the Legal Templates section of the AAD+ Template Letters. Send to HC.

[JLC]

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

Ok. Should I not send Robinson Way a SWID as there was a lot of problems with the CCA response from barclaycard?

[Pixie]

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

Ok. Should I not send Robinson Way a SWID as there was a lot of problems with the CCA response from barclaycard?

Yes I would send SWID to RobWay if you haven't already done so as well as LBA to HC.

[JLC]

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

LBA sent to Howard Cohen and SWID sent to Robinson Way.

[JLC]

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

Yes I would send SWID to RobWay if you haven't already done so as well as LBA to HC.

I wasn't advised to when the debt was first sold, but there was no threats then. Seeing as they only purchased this debt earlier this year they've progressed action pretty quickly.

[nightwatch]

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

Did you ever send a missing t&c to Barclays? If not RW may write back saying you need to do another cca request. Let us know what you get back x