Originally posted by JLC
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Virgin MBNA
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
7/10/16 - letter from Moorgate informing me that they still haven't received my income and expenditure form.
21/10/17 - letter received from Moorgate telling me they still haven't heard from me.
31/10/16 - letter received from moorgate dated 27th October 2016.
Despite our numerous attempts to contact you we have not had a response from you or an indication of willingness from you to resolve this matter.
Further to our last correspondence we have reviewed your account and determined that further action is necessary. Therefore, we are instructing our litigation department to begin legal proceedings, to obtain a monetary judgement.
This course of action could also lead to the following enforcement options being initiated
*obtaining and attachment/arrestment of earnings order
*obtaining a charging/inhibition order against your property (where you are a homeowner)
The litigation department will be in with you in due course to advise you of the next steps. All costs incurred following the commencement of successful litigation action will be payable by you.
We can withdraw this instruction if you contact our offices within five days of the date of this letter and make satisfactory arrangements regarding your account.
Blah blah blah
12/11/16 - letter received from Moorgate dated 9/11/16
You were recently issued a letter advising that we will be instructing our litigation department to commence legal proceedings in order to obtain a monetary judgement.
upon further review of your account we have decided that this action will not be undertaken at this time, however we would encourage you to contact us to agree an ongoing solution.
10/12/16 - statement of account received.
7/12/17 - letter from Moorgate dated 4th January 2017 advising me that idem had purchased my account which they (Moorgate) had been administering on behalf of britannica recoveries acting in the name of Britannia mortlake before being sold to Cabot credit management. My account was transferred on 16th November 2016.
19/1/17 - letter from Cabot dated 13/1/17 reminding me that they had bought the debt and ask me to contact them.
- 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
7/10/16 - letter from Moorgate informing me that they still haven't received my income and expenditure form.
21/10/17 - letter received from Moorgate telling me they still haven't heard from me.
31/10/16 - letter received from moorgate dated 27th October 2016.
Despite our numerous attempts to contact you we have not had a response from you or an indication of willingness from you to resolve this matter.
Further to our last correspondence we have reviewed your account and determined that further action is necessary. Therefore, we are instructing our litigation department to begin legal proceedings, to obtain a monetary judgement.
This course of action could also lead to the following enforcement options being initiated
*obtaining and attachment/arrestment of earnings order
*obtaining a charging/inhibition order against your property (where you are a homeowner)
The litigation department will be in with you in due course to advise you of the next steps. All costs incurred following the commencement of successful litigation action will be payable by you.
We can withdraw this instruction if you contact our offices within five days of the date of this letter and make satisfactory arrangements regarding your account.
Blah blah blah
12/11/16 - letter received from Moorgate dated 9/11/16
You were recently issued a letter advising that we will be instructing our litigation department to commence legal proceedings in order to obtain a monetary judgement.
upon further review of your account we have decided that this action will not be undertaken at this time, however we would encourage you to contact us to agree an ongoing solution.
10/12/16 - statement of account received.
7/12/17 - letter from Moorgate dated 4th January 2017 advising me that idem had purchased my account which they (Moorgate) had been administering on behalf of britannica recoveries acting in the name of Britannia mortlake before being sold to Cabot credit management. My account was transferred on 16th November 2016.
19/1/17 - letter from Cabot dated 13/1/17 reminding me that they had bought the debt and ask me to contact them.
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