5corpio UE Diary

[5corpio]

Last Update: 14th September 2013

MARBLES (HFC) - Unenforceable
Default/Delinquent: Oct 2008 £4,500
Balance: £4,500
Limit: £4,700

LETTERS SENT TO:
20/05/10 - HBOS (CCA Request)
18/06/10 – HBOS (Dispute Document)
18/06/10 – HBOS (Forged Document)
18/06/10 - Robinson way (Refuseable by lender)
26/07/10 - Robinson way (Refuseable by lender (copy resent)
04/09/12 - Lowell Portfolio 1 (Account sold whilst in Dispute with OC)

LETTERS RECIEVED FROM MUPPETS:
15/06/10 – Marbles (Credit Agreement Received)
08/06/10 – Marbles (Default Notice issued)
23/06/10 – Marbles HFC Original Agreement received (SAYING THAT IT IS ENFORCEABLE)
23/06/10 – Marbles (Default Notice)
29/06/10 – Marbles HFC Original (Original Agreement received)
29/06/10 – Marbles Unenforceability (WILL NOT ENFORCE COURT ACTION)
14/07/10 – Robinson way (FORMAL DEMAND FOR PAYMENT)
23/07/10 – Robinson way (Immediate Action required)
04/08/10 – Robinson way (requesting from their client a copy of agreement to verify)
08/09/10 – Robinson way (still waiting response from their client)
15/10/10 – Robinson way (no longer dealing with account, referred to original creditor)
25/01/12 - Marbles (Account being sold on March to Progressive Credit Ltd)
30/08/12 - Marbles (All Data, file, agreement outstanding balance sold to Lowell Portfolio 1)
30/08/12 - Lowell Porftolio 1 (Has bought the account and all its right - Pay Up)
12/09/12 - Lowell Portfolio 1 (thank you for letter and sorry for delay, as account sold in dispute with Marbles, they are awaiting for response from Marbles, and will be in touch to advise, they have requested a copy of agreement under S77 S7978)
13/09/12 - Lowell Portfolio 1 (Awaiting for agreement from Marbles - will be in touch)
24/09/12 - Lowell Portfolio 1 (Still waiting for agreement from Marbles from their archive)

01/11/12 - Lowell Portfolio 1 (Marbles can't provide a CCA Agreement to them, Lowell Portfolio 1 has said that the Account is now closed and will not contact unless a CCA surfaces)

MBNA VIRGIN - Unenforceable
Default/Delinquent: April 2008 £8,120
Balance: £6,900
Limit: £0

LETTERS SENT TO:
20/05/10 - Debt Clear Recoveries (CCA Request)
07/06/10 – Debt Clear Recoveries (CCA Request)
04/12/10 – AIC (Threat-o-Gram)
12/09/11 - Wescot (Account sold whilst in Dispute letter sent)
23/04/12 - Rossendales (Account sold whilst in Dispute letter sent)
04/09/12 - Arc Europe (Account sold whilst in Dispute)
27/09/12 - Arc Europe (illegible T&C Letter sent)
06/09/13 - Debt Managers (Services) Ltd AKA: Call Serve (Account Sold whilst in Dispute Letter)
09/07/15 - Wescot: (Account Sold whilst in Dispute Letter)
14/08/15 - Wesot (illegible T & C Letter)

LETTERS RECIEVED FROM MUPPETS:
25/06/10 – MBNA (original CCA Agreement Recieved, Copy of Executed Agreement, Up to date T&C, Recent statement)
10/11/10 – AIC (warning that their letter supersedes all instructions issued by creditors)
24/11/10 – AIC (Threat, Legal Proceedings, Wages, Property, etc)
07/12/10 – AIC (Reviewing File with Collection & Litigation department to consider Warranted)
29/07/11 - MBNA (Confirming previous communication, that the account has been terminated. and that i owe them the debt, they will pass to a select debt agency)
26/08/11 - Wescot (Notice of Debt Collection Bog standard letter, ref their Client Bank of America NOT MBNA)
05/09/11 - Wescot (Final notice, or court proceedings if not contacted or paid)
15/01/12 - MBNA (Agreement account Sold to Arrow Global)
15/01/12 - Arrow Global (We have bought your agreement, continue dealing with Wescot)
26/03/12 - Rossendales (repsond within 7 days, for proposals of recovery action)
16/04/12 - Rossendales (Further action letter within 7 days)
26/05/12 - Rosendales ( Further action letter within 7 days )
30/05/12 - Rosendales (Account On Hold, refer to there client - Arrow Global Guernsey)
28/06/12 - Rosendales (copy of MBNA CCA, T&C and screen shot, They say: enclosed documents to support the recovery of the account details) -
15/08/12 - ARC Europe - (account remains outstanding - request of a substantial amount with 10 day and firm offer for overdue, IF not will taken further action
29/08/12 - Arc Europe (in response of not receiving any response - they'll obtain firm instructions, that they reserve the right to produce a letter, Call us NOW)
26/09/12 - Arc Europe (enclosed signed CCA agreement, T&C and copy of agreement) Un-llegible T&C, Pay now within 14 days with a FIRM OFFER)
11/02/13 - Arrow Global (Samé Copy of CCA Agreement with current address T&C Sent). 2009 OFT Guidance quoted. apart from few exceptions that the law allows: Signature, Signature Box and date of signature)
19/03/13 - Arc Europe (Failed to contact them, and credit history will affect me. that both there letters will prove that that they i had opportunity to enter negotiations and failed to accept invitation)
02/09/13 - Debt Managers (Services) Ltd (Doorstep Agent Visit ref: "CALL SERVE" Letter that they'll instruct their agent on behalf of Arrow Global)
13/09/13 - Debt Managers (Serviced) Ltd - Account still owe even if your CCA Has not been fulfilled. Has put account on Hold till they get reply back from there client
10/04/14 - Arrow Global - Notice of account transfer to new agency (aka: scotcall ltd)
10/06/15 - Westcot - Been advised and looking for acknowledgement that i live at this address
17/06/15 - Wescot - not heard, assume that i live at this address - Pay up
27/06/15 - Wescot - wrote to me recently & appear that i have not responded - they will contact me via, text, phone calls & letter to recover this account for Arrow - it is my interest to contact them
17/07/15 - Wescot - Not heard from you still - like to make a offer contact us
20/07/15 - Wescot - Account on Hold - waiting for update from there client with reference 'account sold whilst in dispute letter' - make take several weeks.
03/08/15 - Wescot - sent me credit agreement with regards my dispute and believe that everything is hunky dorry! - contact to set up payment plan or call them if i believe that i have a valid dispute.
26/08/15 - Wescot - Account on Hold - waiting for update from there client with reference 'my dispute letter' - may take several weeks. Will not contact me for any monies in meantime

BANK OF SCOTLAND (HBOS) - Unenforceable
Default/Delinquent: October 2008 £11,030
Balance: £9,770
Limit: £11,300

LETTERS SENT TO:
18/06/10 - BOS (HBOS) (CCA Request)
20/06/10 - Blair Oliver & Scott (CCA Request)
01/07/10 - BOS (HBOS) (S.10)
07/07/10 - Blair Oliver & Scott (CCA Request)
14/08/10 - Blair Oliver & Scott (Refuseable by Lender)
23/08/10 - Blair Oliver & Scott (Dispute Legal Action)
08/09/10 - Robinson way (Refuseable by Lender)
25/01/11 - Capquest (Harassment telephone Log)
27/01/11 - Capquest (Threat-O-Gram + HBOS UE copy)
31/01/11 - HL Solicitors (Capquest) (Threat-o-Gram + Capquest Threat-o-Gram Copy + HBOS UE Copy)
21/04/11 – Wescot Credit Services - Harassment warning letter (NOT RECORDED – STANDARD LETTER)
23/04/11 – Wescot Credit Services (Threat-O-Gram + HBOS UE copy)
30/06/11 - Wescot Credit Services (Harassment Door Step Visit letter)
24/08/12 - 1st Credit Ltd (Account sold whilst in dispute letter)

LETTERS RECIEVED FROM MUPPETS:
10/07/10 – Bank of Scotland (HBOS) Unenforceability letter (WILL NOT ENFORCE)
14/08/10 – Blair Oliver & Scott letter (instructed by client demanding full payment)
31/08/10 – Bank of Scotland (HBOS) Can’t find the recon agreement (WILL NOT ENFORCE)
07/09/10 – Robinson way (Formal Demand for payment)
14/10/10 – Robinson way (still waiting confirmation from their client)
07/01/11 – Capquest (Account been referred to them – may send door step or possible Litigation)
10/01/11 – Capquest (Threat: Possible Door or Litigation)
26/01/11 – Capquest (Threat: Prior to start Legal Proceedings)
29/01/11 – HL Solicitors (Capquest) (Threat Legal Proceedings, Seek Enforce Action)
31/01/11 - Capquest (Account put on hold till 11th Feb, whilst they Investigate the matter)
18/04/11 - Wescot (Notice of Debt Collection Letter)
11/05/11 – Wescot Credit Services (that their client has fulfilled criteria as requested and that matters are resolved – to make payment or monthly agreements or contact within 14 days reasons for dispute)
13/06/11 - Nelson Guest & Partner Solicitors (To make payment arrangement within 10 days to Wescot, if NOT will proceed with further activity recoveries)
24/06/11 - Wescot Credit Services (Door Step Collection Notice - advised me that one of the actions they were considering on was a Door Step Collection Visit to home address, to recover outstanding, they'll send an representative to make an appointment with me)
15/08/12 - Bank of Scotland - Notice of Assignment (ALL details, DATA account sold to 1st Credit Ltd 5)
15/08/12 - 1st Credit Ltd 5 - Notice of Assignment account details sold to them, ALL correspondance to 1st Credit Ltd 5
22/08/12 - 1st Credit ltd 5 - Legal Proceedings being considered, (County court proceedings made against me, if judgement made and no payment within 30 days, will be entered on Register of Judgements, Orders and Fines)
29/08/12 - 1st Credit Ltd 5 (Settlement offers)
29/08/12 - 1st Credit Ltd 5 (Account on hold - till they get copies of invoices, statements and agreement from their client / OC and they'll send them to me, followed by arrangement to solve outstanding debt)
no dated letter - 1st Credit Ltd 5 (sent copies of statements from 2006 to last transaction - to call them)
19/11/12 - 1st Credit Ltd 5 (Name changed to CA1 Finance Ltd)

CAPITAL ONE: - Unenforceable
Default/Delinquent: August 2009 £2,300
Balance: £2,200
Limit: £3,500:

UPDATE: (Sending random statements to old address as from Dec 2014)

LETTERS SENT TO:
20/05/10 – Capquest (CCA Request sent)
19/07/10 – Capital One (Final CCA Response ‘received template sent’)
30/04/11 – Fredrickson Inter Ltd (Debtors Final Response sent)
06/05/11 – Fredrickson Inter Ltd (Debtors Final Response and Copy sent)
09/05/11 – Fredrickson Inter Ltd (Commence Litigation letter sent)
13/06/11 - Bryan Carter Solicitors (DCA Commence Litigtion letter sent)
27/09/11 - Fredricksons (CCA Query Creditor refusal to accept UE Letter sent)

LETTERS RECIEVED FROM MUPPETS:
01/06/10 – Capital One (needing 4 weeks to find)
17/01/10 – Capital One (Original and Current agreement received)
26/07/10 – Customer Care Department (Capquest) (Like to Help, as they been contacting)
08/09/10 – Capital One (Saying its ENFORCEABLE)
01/04/11 -Capital One (Account no longer being managed by debt collection who was working on behlaf for them. ALL Correspondance is to Capital One)
26/04/11 – Fredrickson Inter Ltd (Do not ignore – immediate payment required)
05/05/11 – Fredrickson Inter Ltd (Letter before Action)
23/05/11 – Fredrickson Inter Ltd (Account on hold, till they investigate with their client)
06/06/11 – Bryan Carter Solicitors (Fredrickson Inter Ltd) – Pay balance in Full within 14 days, or recommend court proceedings
08/06/11 – Capital One (Fulfilled their request –i am bound to their T&C and they Don’t keep copies of agreement only signature and has provided a Recon with copy of signature – on basis that there is no enforceable agreement between both, will strongly defend)
22/06/11 – Fredrickson Inter Ltd (If require Documentation for CCA Need to send £1.00 – in meantime call to make payment proposals)
18/07/11 - Fredrickson Inter Ltd (i have failed to discharge my debt with their client Cap One. We are prepared to offer an opportunity to pay before recommending to their client that they instruct solicitors to issue a claim at my address)
22/09/11 - Fredricksons Inter Ltd (Yellow Card - threat)
05/10/11 - Fredrickson Inter Ltd (Account on hold, refered to their client)
24/10/11 - Capital One (All payments are to Capital One & NOT to correspond to other)
24/10/11 - Capital One (All payments are to Capital One & NOT to correspond to other)
25/10/11 - Capital One - (ENFORCEABLE - fullfilled criteria - ref: mcguffick v the royal bank of scotland 2009 - will still chase)

************************************************** *****************

BARCLAY CARD #1: - Unenforceable
Default/Delinquent: NO DEFAULT £2,600
Balance: £2,770
Limit: £0

OUTCOME: NO CCA,

(Cheque payment NOT RETURNED by Barclaycard But cashed by Mercers)

LETTERS SENT TO:
20/05/10 – Barclay Card (CCA Request)
07/06/10 – Barclay Card (T&C Dispute)
15/06/10 – Mercers (Barclay card) (Harassment)
15/06/10 – Mercers (Barclay card) (Account sold whilst in Default CCA Request)
15/06/10 – Barclay card (S.78)

LETTERS RECIEVED FROM MUPPETS:
13/06/10 – Mercers (Immediate Action Required)
26/05/10 – Barclay card (T&C)
26/05/10 – Barclay card (T&C Again)
08/07/10 – Mercers (Default Notice)
11/06/10 – Barclay card (Preaching S.78 of the CCA Act)
08/07/10 – Barclay card (Late payment charge)
18/07/10 – Barclay card (That they have fulfilled their obligation)
09/08/10 – Barclay card (Late payment charge)
08/09/10 – Barclay card (Late payment charge)
09/10/10 – Barclay card (Late payment charge)
31/01/14 – Barclay card sorry for not informing the CRA, they had defaulted me in Oct 2009 and correcting it now. demand monies 2x letters

BARCLAY CARD #2:

Default/Delinquent: NOVEMBER 2010 DEFAULT £3,980
Balance: £4,020
Limit: £0


OUTCOME: NO CCA RECEIEVED -
(NO CCA, Cheque payment NOT RETURNED from Barclay card & Mercers)

LETTERS SENT TO:
20/05/10 – Barclay card (CCA Request)
01/06/10 – Mercers (Barclay card) (CCA Request)
15/06/10 – Mercers (Barclay card) (Reminder requested)
26/06/10 – Mercers (Barclay card) (Final response – NO CCA Received)
05/07/10 – Resolve call (Barclay card in Default by Me)
05/07/10 – Mercers (Barclay card) (Refuseable by Lender)
31/08/10 – Calder Financial (Barclay card) (Final Response)
11/10/10 – Credit Solutions (Account in dispute with OC)
18/10/10 – Credit Solutions (Debtors Final Reponses)
20/01/11 – Moorcroft (Threat by Lender)
08/03/11 - Enough is Enough (Latest letter)

LETTERS RECIEVED FROM MUPPETS:
13/06/10 – Mercers (Barclay card) (Important Notice)
21/06/10 – Barclay card (Arrear payment)
21/06/10 – Mercers (Barclay card) (Immediate Action)
29/06/10 – Resolve Call (Collection, Threat letter)
20/08/10 – Barclay card (Arrears Notice)
20/08/10 – Calder Financial (why i have NOT contacted them)
08/10/10 – Credit Solutions (Formal Demand)
13/10/10 – Credit Solutions (That their client has fulfilled obligation by providing T&C for CCA Request)
20/01/11 – Moorcroft (Intended Litigation)
28/01/11 – Moorcroft (Account on Hold, whilst they investigate)
04/03/11 - Moorcroft (Possible Litigation)
07/03/11 - Moorcroft (Account on Hold, whilst they investigate)
07/11/11 - Barclay Card (They can't find the agreement - wont enforce. Account suspended, as they taken action that in their view i will cease to make payments to them)



BARCLAY CARD #3:

Default/Delinquent: NO DEFAULT £5,300
Balance: £5,380
Limit: £0

OUTCOME:NO CCA

RECEIVED

(Cheque payment Rejected by Barclay card & NOT RETURNED By Mercers)

LETTERS SENT TO:
20/05/10 – Barclay card (CCA Request)
01/06/10 – Mercers (CCA Request)
15/06/10 – Mercers (Reminder)
05/07/12 - Mercers - Final Repsonse
01/07/10 – Barclay card (Demand of Signature)
05/07/10 – Mercers (Barclay card) (Final Response)
06/08/10 – Calders Financial (Final Response)
05/06/12 - Lowell Portfolio I (Account sold whilst in Dispute)

LETTERS RECIEVED FROM MUPPETS:
20/05/10 - Mercers (Default notice served) NO RECORD ON EQUIFAX CREDIT FILE
25/05/10 - Mercers (Unable to accept offer of repayment as its to low)
08/06/10 – Mercers (Immediate action required)
28/06/10 – Barclay card (Wont deal with CCA Request, that address on File is incorrect **BUT HAD DEALT WITH CURRENT ADDRESS BEFORE CCA REQUEST**, that i need to write bearing my signature of previous address and current address)
01/07/10 – Mercers (48hrs Notice)
02/08/10 – Calder Financial (Mercers/Barclay card) (Legal Action, threat letter)
11/09/10 – Barclay card (Dispute, will only deal with me via Phone)
10/09/10 – Calder Financial (Notice on Intention to sell Debt on)
09/05/12 - Barclay card (Account sold to Lowell Portfolio I Ltd)
09/05/12 - Lowell Portfolio I (Bought account from Barclay card contact us and pay up)
21/05/12 - Lowell Portfolio I (Where here to help you, and that they wrote to say they recently bought MY account from Barclay Card)
30/05/12 - Lowell Portfolio I (Not received any communication, will arrange local agent to contact to arrange time to visit)
11/06/12 - Lowell Portfolio I (Contacting Barclaycard with reference to failing to send CCA and will advise as well as requesting a copy of agreement from barclaycard themselves)
12/06/12 - Lowell Portfolio I (they've Sent letter to OC requesting my CCA - and will be in touch within 12 days)
21/06/12 - Lowell Portfolio I (Barclaycard have contacted them saying that they are trying to retrieve agreement from their archive. And shall let me know)
31/07/12 - Lowell Portfolio I (Barclaycard advised that its no longer available due to the length from opened account, That Lowell Portfolio says that they have closed account and will not be in touch, unless a copy can surface)

[5corpio]

Re: 5corpio UE Diary

Hi All
(Followed the UE from MSE, to Bankruptcy Forum, to here)

Welcome to my UE Diary, Don't know if its easier to update the main thread page i have, than keep on posting something New each time? Help on that one if its easier for those 'experienced UE people to check over'. As i always put date update of anything New (saves on the trawling through)

Thanks, Niddy for the continue support, as well as Blind and others whose all followed each other to make things like this happen for UE.

Hope things improve over the Weekend Niddy

[5corpio]

Re: 5corpio UE Diary

Hi Niddy

Recieved letter from BOS today with reference to the letter we sent to Blair, Oliver & Scott on 14th Aug.

saying:

* they wont enforce court action as they are unable to provide original
* unable to trace the reconstitued version (which they did send one a while back)
*they are satisfied with the copy of application with sigature and T&C
*that the contract is still legal effect and not void
*declining to remove any detrimental info held on credit file
that i am disputing liability for account, but not given a reason for the dispute

Take that i just ignore letter, till they send something else......

Don't know if your using your current e-mail or if different now? Niddy (so i can send copy of letter)

[5corpio]

Re: 5corpio UE Diary

Letter from Barclaycard, same standard (arrears outstanding) - Just ignoring (Filed away & Logged on spreadsheet)

[Never-In-Doubt]

Re: 5corpio UE Diary

Hiya

HBOS = :UE

Well done, time to ignore.

[5corpio]

Re: 5corpio UE Diary

Hiya

HBOS = :UE

Well done, time to ignore.

Cheers, just wish Barclaycard would get their ig into gear, getting nothing from them at All ;Spank 3 months gone since i been doing UE, and they just dragging their heels on ALL accounts :rulez barclaycard

Having an Angermanagement Day 2

[Elsie52]

Re: 5corpio UE Diary

Hiya Scorpio.

Wouldn't worry about Barclaycard......I've got 2 cards with them . One is :UE cos Niddy says so, and the other has sent nothing at all, and I CCA's them 5 months ago. So as far as I am concerned that one is also UE. :UE

Elsie

[5corpio]

Re: 5corpio UE Diary

Hiya Scorpio.

Wouldn't worry about Barclaycard......I've got 2 cards with them . One is UE cos Niddy says so, and the other has sent nothing at all, and I CCA's them 5 months ago. So as far as I am concerned that one is also UE.

Elsie

Hi Elsie

Thanks for the kind words of wisdom & comfort, Still wish Barclaycard would say that they can't find (then i got prove), rather than them sending Resolvecall, Calders Financial & Mercer letters, Oh and not forgetting the odd Arrears letters outstanding not received... ;;Coo i got nothing to wipe the work surface down with running out of Barclaycard letters ;Ex

[alanstuart]

Re: 5corpio UE Diary

Hiya

HBOS = :UE

Well done, time to ignore.

Cheers, just wish Barclaycard would get their ig into gear, getting nothing from them at All ;Spank 3 months gone since i been doing UE, and they just dragging their heels on ALL accounts :rulez barclaycard ;;4

Having an Angermanagement Day 2

hello 5corpio
me and you in the same boat with barclaycard, ive been getting statements and arrears letters and nowt else for the last 3 months
got a funny feeling ill probably get the mercers letters soon though 2 ,sold while in dispute letter going out then : :
all the best
alanstuart

[5corpio]

Re: 5corpio UE Diary

hello 5corpio
me and you in the same boat with barclaycard, ive been getting statements and arrears letters and nowt else for the last 3 months
got a funny feeling ill probably get the mercers letters soon though 2 ,sold while in dispute letter going out then : :
all the best
alanstuart

Hi Alan

Yup thats all can do, just sit, wait, go on holiday, go to pub, they can't do owt apart from what was previous requested in first place to them. ;--G

[enoughisenough]

Re: 5corpio UE Diary

With all this barclaycard fun going on... I'm almost a little peeved that I've never had an account with them!

[Never-In-Doubt]

Re: 5corpio UE Diary

Ive not read everything - guess you're coping though yea? Not needed for anything am I?

if so just bump me ;D ;D

[5corpio]

Re: 5corpio UE Diary

Ive not read everything - guess you're coping though yea? Not needed for anything am I?
if so just bump me

Thanks Niddy

Coping fine at present, you'll know when i'm not 'there either be a rant or a Full Page Biography Bible story everywhere'........!....I'll give ya shout with any News or Help.

Thanks for popping in Matey....

Get to bed & have a rest....Hope DD Results came through good

[5corpio]

Re: 5corpio UE Diary

It would be Pretty ;-) if we could Sub Catergory our Diaries (for those that have more than 3+ CCA (for argument sake)). As it may get confusing for Mods, Admins trying to keep up to date with each request or problem sovling?

An Idea....................?:

Anyways:

Here is an Up-To-Date, Hopes this makes more sense to follow than scaling walls asking which, what, Lost when your try to rattle your Brains..... ;Sh
I've segerated each account (easier to follow, as i've just came across one account and that i Have NOT sent a letter to them) Marked as MBNA for you Niddy

[5corpio]

Re: 5corpio UE Diary

Letters that have been sent/received:
Its from Top to Bottom of each sub section, Bottom being the Latest up to date communication:
Capital One:
Sent:
CCA Request to Capquest
CCA Final Response to Capital One

Received:
• Capquest They have been referred by Capital One to collect monies outstanding 4th May
• H L Legal Solicitors Court proceeding threat letter 13th May
• Capquest Acceptance of £2.00 24th May (From here and Above it was an agreement Before I took action of UE –Which No monies have been sent since my UE Action)
• Capital One Acknowledgement of CCA Request, might take us longer to find, will contact within 4 weeks 1st June
• Original agreement and latest T&C letters from Capital One 12th July
• Capital One Acknowledgement of CCA Request, might take us longer to find, will contact within 4 weeks 22nd July
• Letter from CDR ([size=5]Customer Care Department), Fairness Help Letter (Part of Capquest)
• Enforceable Letter from Capital One saying its Enforceable still 9th Aug

Outcome: Saying its Enforceable
Last Response: from Capital One: 9thAugust 2010