the-puppets UE diary

[the-puppets]

Re: the-predator-puppets UE diary

All help welcome. Is it XXXXXXXX we need to get hold of. How do we make pro rata offer if some debts are ue and one we still have no cca for so could go either way. Do we base it only on the enf ones for now. Happy o take your lead, XXXXXXXX on how best to proceed. Cheers

[Never-In-Doubt]

Re: the-predator-puppets UE diary

Hiya

Regards to making an offer, there is a forumla of letters as found here (on our website) ---> allaboutDEBT | Our Templates | Creditor Offer Templates

You basically use that to work out F&F - however you're after monthly payments so you need to consider this collection here: ---> allaboutDEBT | Our Templates | General Debt Templates

However if necessary we can line you up with our dmp specialist who may be able to help you out more...?

[the-puppets]

Re: the-predator-puppets UE diary

We tried going for IVA but no good as N Rock insisted if we went interest only mortgage the extra cash would mean we could continue to pay off debts. MInt Loan never cast their IVA vote so it was all down to N Rock! That's why we ended up here with you guys as although we went interest only the creditors kept adding interst and charges so the six years we could pay it all back in was looking more like 15 to 20 ! And now the interest only is up and were paying full mortgage again. Guess with this one we can do a deal with the collections agency at a better rate than if we were dealing direct with creditor. what's best way to start this ? Do we make an offer of payment as not got enough cash to do F and F yet.

TPP

[Never-In-Doubt]

Re: the-predator-puppets UE diary

[/COLOR]
We were blagging a bit with this one NId but seems they won't buy it ...ideas or wait til they force us to start payin ....seems we have 8 weeks to reply so 8 more weeks non paying right.?

but its after 07, so they dont need to? recon is fine?

Unfortunately yes, you ought to think about repayment proposals as s.127 does not apply

Failing that, if you've no chance of ever paying it and do not own your home, consider alternatives such as more formal things, i.e. an IVA may be better, BR may be better - I don't know but all I'm saying is that to repay £28k will take a few years

If more than 6 then surely BR or IVA is the obvious choice? I dunno, I'm just saying you do need to think long and hard over this before paying a penny back......

[Pixie]

Re: the-predator-puppets UE diary

Yes, ignore.

[the-puppets]

Re: the-predator-puppets UE diary

BARCLAYCARD (Other-half's credit card)

TYPE OF ACCOUNT : CC
DATE COMMENCED: 02/94
APPROX BALANCE: £10,000
DATE LAST PAID:May 2010 usual amount, tokens til Dec 2010, then DMP from Dec 2010 to June 2011 last paid
DMP OR NOT PAY: DMP Last DMP payment was June 2011 - cancelled it to explore the UE route
STATUS: Up to date (we were just making min payment amounts via the DMP)20th Oct 2011 MERCERS sent us a default notice
ACC OWNER: Barclaycard (MERCERS started writing to us 20/10/11 - RESOLVECALL started writing to us 24/11/11, CALDER mentioned in statement 23/01/12)


10th Jun 2011 CCA Request sent
17th Jun 2011 Barclaycard acknowledged receipt of cca request - are dealing with it and will respond asap (not sure why but they sent 3 copies of same letter!!!!)
22nd Jul Statement (guess they are still looking for cca!)
20th Aug 2011 Statement
25th Aug 2011 Repayment reminder (if we fail to pay then will revert back to standard interest rate...they never lowered it!!!)
22nd Sep 2011Statement and a second letter stating repayment plan cancelled, pay up or account will pass to MERCERS who will be instructed to issue a default notice (go on then, still no cca!!)
23rd Sep 2011 Received a "reconstituted" copy cca - terms to follow under seperate cover - emailing to niddy
28th Sep 2011 Niddy says....
29th Sep 2011 Received terms/conditions
30th Sep sent the"You sent Terms/Conditions" not a CCA letter
05th Oct 2011 Barclaycard reply and quote stuff countering our claim and believe their credit agreement to be fully compliant and will oppose allegations claiming otherwise and will continue to pursue the debt. This is their final response.
20th Oct 2011 MERCERS sent us a default notice
22nd Oct 2011 Statement (still adding interest and charges)
21st Nov 2011 Statement (still adding interest and charges)
22nd Nov 2011 MERCERS - passing account to local debt collector who may call at our home
23rd Nov 2011 sent harassment of doorstep visit letter to MERCERS
24th Nov 2011 RESOLVECALL wish us to make contact to discuss payment options, failure to contact MAY result in personal visit
08th Nov 2011 RESOLVECALL made a doorstep visit and left a card merry christmas!! we were out so jog on!!!
10th Dec 2011 sent harassment of doorstep visit letter to RESOLVECALL (bit late getting to post office!)
14th Dec 2011 RESOLVECALL made another doorstep visit and left a card just keep joggining on!!!
16th Dec 2011 RESOLVE CALL "case referred to is not applicable to your circumstances. As part of credit agreement that you signed and entered onto, you agreed to repay the full outstanding balance and that where necessary, the creditor could recover the debt by outsourcing the debt to a third party, which included by way of doorstep collection. Therefore the licence you state has been revoked and is irrelevant, which for the avoidance of doubt we do not agree to, is not bindinging on us as it does not fulfill the relevant principles of contract law.......blah blah" (think they've missed the point about a signed contract they don't seem to be able to produce!!!) ALSO Received from BARCLAYCARD "...Sorry to learn of your dissatisfaction,...Your correspondance is being dealt with ...aim to resolve by 28th Dec...(we haven't sent them anything recently..unless Resolvecall forwarded the harassment letter???)
22nd Dec 2011 BARCLAYCARD statement received..still adding tonnes of interest/charges
23rd Dec 2011 MERCERS 48 hours notice to stop further action ....ignoring immediately!!!
30th Dec 2011 BARCLAYCARD ref previous letter (see above 16 dec) unfortunately cannot provide response at present will contact again by 26th Jan (whatever it is they're taking their time over it!!!)
31st Dec 2011 BARCLAYCARD FINAL RESPONSE advise account seriously overdue, entitled to attempt contact to recover amounts owed. Taken steps to ensure no visits to home...need to contact MERCER to discuss repayments. Placed 30 day hold on interest, charges, collections activity. After that time if still overdue MERCERS will continue to attempt to contact. For purpose of FOS consider this our FINAL RESPONSE.
05th Jan 2012 MERCERS -"you recently advised us that you'd like some time to review your financial situation before making an offer of repayment"...suspend fees etc 30 days..if don't contact will assume we are able to meet standard payments, fees and interest will be reinstated (don't recall advising them of any such thing..last we sent was threat of harassment of doorstep visit letter)
23 Jan 2012 BARCLAYCARD Statement states that CALDER FINANCIAL DEBT COLLECTIONS AGENCY are now dealing with account - no interest and charges showing
22 Feb 2012 BARCLAYCARD statement states that CALDER FINANCIAL DEBT COLLECTIONS AGENCY are now dealing with account -INTEREST NOW BACK ON!! ignoring
06 March 2012 - BARCLAYCARD Formal Demand for payment..as not complied with default notice outstanding balance due in full..balance will continue to accrue interest...will no longer send statements....If payment not made or agreement reached by 8th March debt collector/legal proceedings may be taken.

updated - ignore ?

[SXGuy]

Re: the-predator-puppets UE diary

but its after 07, so they dont need to? recon is fine?

[MrsD]

Re: the-predator-puppets UE diary

I would take that as good news PPs, they CAN'T provide a true copy!!!

[the-puppets]

Re: the-predator-puppets UE diary

MINT LOAN (JOINT ACCOUNT)

TYPE OF ACCOUNT : Loan
DATE COMMENCED: 06/08
APPROX BALANCE: £28,800
DATE LAST PAID: May 2010 usual amount, tokens til Dec 2010, then DMP from Dec 2010 to June 2011 last paid
DMP OR NOT PAYMP Last DMP payment was June 2011 - cancelled it to explore the UE route
STATUS: Default 7/12/10
ACC OWNER: MINT - passed to IDEM 5/12/11

10th Jun 2011 CCA Request sent
16th Jun 2011 MINT requesting written and signed instruction to respond further + returned letter + postal order
17th Jun 2011 Resent cca request + po+ letter re digital signatures
25th Jun 2011 MINT stating to meet Data Protection Act 1998 they must verify identity in order to respond
28th Jun 2011 Resent cca request +po+ 2nd letter stating signature not required - can provide other docs for data protection
2nd July 2011 MINT acknowledging complaint - they are "looking into it"
7th July 2011 MINT complaint investigated - will supply info if we supply documentation verifying identity or we call their office and answer the security questions
11th July 2011 Sent CCA Request Final Demand Letter
24th July 2011 MINT request was only received in correct department on 22nd August (i dont think so!!) and a slip to sign confirming request for info (dont think we will be signing that...looks like the type of thing school kids get when they go on trips and need an adult to sign...lol!!!) also interestingly the letter reference and pre-paid envelope both state SARs team
5th Oct 2011 Mint notice of sums of arrears
15th Nov 2011 Mint informed us account is passing to "IDEM SERVICING" with effect from 5th Dec
16th Nov 2011 IDEM SERVICING welcome us and explain we will have a new account number, and can we make contact to set up payments ...not clear if they are a DCA? presume so?? (wait to see what they send next - thanks Pixie)
07th Feb 2012 IDEM sent urs a recon cca (looks like a blank form and terms and conditions to me - emailing to NIDDY)
12th Feb 2012 Sent IDEM the "Missing pre-scribed terms" letter
21stFeb 2012 IDEM - looking into our complaint

29th FEb 2012 Idem replied with "find enclosed copy of prescribed t and c that were effective at time of application". BUt they haven't enclosed them? "noted comments re true copy etc etc we can provide a recon...although we are unable to supply a true copy this does not imply that there was never a proper signed agreement.....we are confident that all our agreements are properly executed...enforceable and you must take whatever action ou consider appropriate.....account will be reviewed with collections procedures which MAY result in enforcement action ....will consider complaint closed if don't hear further from us within 8 weeks"

We were blagging a bit with this one NId but seems they won't buy it ...ideas or wait til they force us to start payin ....seems we have 8 weeks to reply so 8 more weeks non paying right.?

[the-puppets]

Re: the-predator-puppets UE diary

HSBC MASTER CARD (My credit card)
TYPE OF ACCOUNT : CC
DATE COMMENCED: 02/06
APPROX BALANCE: £5700
DATE LAST PAID:May 2010 usual amount, tokens til Dec 2010, then DMP from Dec 2010 to June 2011 last paid
DMP OR NOT PAY: DMP Last DMP payment was June 2011 - cancelled it to explore the UE route
STATUS: Arrangement to pay
ACC OWNER: HSBC 20/08/11 Metropolitan Collections>>> 31/12/11 MKDP/MKRR


10th June 2011 CCA Request sent
12th July 2011 received copy of CCA, Repayment Protection & Card Guard signed application, T&C , Important Changes to CCA, 2 statements sending CCA docs to Niddy to check - poor copies from HSBC - Niddy says enforceable
13th July Blagging it whilst waiting for others to catch up - sent the CCA Query - Missing Prescribed Terms letter
20th July 2011 received letter stating they believe their established practices meet all statutory and regulatory requirements...blah blah..will defend vigorously...enclosed name and address if we wish to elect to bring any proceedings - ignoring till they pass to dca who we can do a better f&f deal with
22nd July 2011 received statement
20th August 2011 received statement AND letter stating they have passed account to Metropolitan Collection Services
02 Sept 2011 received URGENT COMMUNICATION DO NOT IGNORE from Metropolitan, asking for us to confirm when full repayment will be made...failure to make full payment within 7 days MAY result in legal proceedings
10 Sept 2011 received letter from METROPOLITAN urgent communication do not ignore ..If we dont contact them they intend to instruct solicitors to issue legal proceedings and apply for an attachment of earnings - which may be sent to employer by the court to take money from wages to pay the debt.
11 Sept 2011 Sent the threat-o-gram before legal proceedings letter - as advised by in2deep
21 Sept 2011 Final Demand from METROPOLITAN - may take action, debt collectors may call round, pay up to prevent this or call and talk about repayments
24 Sept 2011 METROPOLITAN asking for £1 for CCA ??
30 Sept 2011 sent the threat doorstep/harrassment letter +the we sent for cca agreement
12 Oct 2011 METROPOLITAN complied and sent us copy of CCA (same as we received before - enforceable) stated that they require proposals for repayment of remaining balance within 14 days of receipt of this letter.
31 Dec 2011 HSBC/MKDP (in same envelope) informing account sold to MKDP on 8th Dec 2011. MKRR are their servicing agent - all contact to be directed to them. MKDP Letter end " contact MKRR to organise payment on this account as a matter of urgency"
15th Feb 2012 MKRR (MK Rapid Recoveries) aint gonna be that rapid with us!! we have not received offer of payment...in a position to offer an instalment arrangement..please call or pay..will continue to contact by phone or letter (1 x letter for overdraft (£900 ish, 1 x for credit card)
22nd Feb 2012 MKRR Regardless of attempts to telephone (they tried to call me at work last week but i was on holiday)/letter not received offer of payment..wish to discuss..please contact ignoring some more

Updated

[swanfan]

Re: the-predator-puppets UE diary

ignore??

Yea, see what they send next.

[the-puppets]

Re: the-predator-puppets UE diary

MINT CARD (Other half's credit card)

TYPE OF ACCOUNT : CC
DATE COMMENCED: 03/04
APPROX BALANCE: £4000
DATE LAST PAID:May 2010 usual amount, tokens til Dec 2010, then DMP from Dec 2010 to June 2011 last paid
DMP OR NOT PAY: DMP Last DMP payment was June 2011 - cancelled it to explore the UE route
STATUS: Default 23/09/10
ACC OWNER: MINT (WESCOT 18/11/11)


10th June 2011 CCA Request sent
11th July 2011 Received what looks like a signed application form, copies of terms and conditions, a credit card agreement with no signature box, copy of general conditions (leaflet), letter regarding replacement card , copy of latest statements emailed Niddy to check - Niddy declares it UE
13th July sent the CCA Query Missing Prescribed Terms Letter
20th July 2011 Received Mint card statement
21st July 2011 Received letter stating under S78 they are compliant if they provide a true copy......that there is no obligation for them to provide a copy of the original agreement bearing signatures....no reason to enter further correspondence with us..do not consider account to be in dispute ignoring
17th August 2011 Received Mint card statement still zero interest added
14th Sept 2011 FINAL DEMAND pay up in 14 days else pass to dca
15th Sept 2011 Statement still zero interest
18th Nov 2011 Received from WESCOT - RBS instructed them to take over balance on this account
27th Jan 2012 WESCOT ..FINAL NOTICE ..latest enquiries have now confirmed you are resident at address..unless contact within 10 days further collections activity will be taken ..may include legal action..door step collections visit
31st Jan 2012 sent the Sold in Dispute Letter cheers I2D
16th Feb 2012 WESCOT - have contacted MINT and have been advised they complied with request on 30/06/11 - WESCOT believe dispute to be resolved and full balance or agreed monthly instalments are required.....blah..14 days to contact them if we still believe valid dispute else will pass to recovery team.

ignore??

[the-puppets]

Re: the-predator-puppets UE diary

Had a feeling you'd probably say that..lol!

[Never-In-Doubt]

Re: the-predator-puppets UE diary

Do we start to deal with these guys now as this one sadly is enforceable - if so how do we proceed?? TPP

Nope, just wait and see what they send next

[the-puppets]

Re: the-predator-puppets UE diary

HSBC MASTER CARD (My credit card)
TYPE OF ACCOUNT : CC
DATE COMMENCED: 02/06
APPROX BALANCE: £5700
DATE LAST PAID:May 2010 usual amount, tokens til Dec 2010, then DMP from Dec 2010 to June 2011 last paid
DMP OR NOT PAY: DMP Last DMP payment was June 2011 - cancelled it to explore the UE route
STATUS: Arrangement to pay
ACC OWNER: HSBC 20/08/11 Metropolitan Collections>>> 31/12/11 MKDP/MKRR


10th June 2011 CCA Request sent
12th July 2011 received copy of CCA, Repayment Protection & Card Guard signed application, T&C , Important Changes to CCA, 2 statements sending CCA docs to Niddy to check - poor copies from HSBC - Niddy says enforceable
13th July Blagging it whilst waiting for others to catch up - sent the CCA Query - Missing Prescribed Terms letter
20th July 2011 received letter stating they believe their established practices meet all statutory and regulatory requirements...blah blah..will defend vigorously...enclosed name and address if we wish to elect to bring any proceedings - ignoring till they pass to dca who we can do a better f&f deal with
22nd July 2011 received statement
20th August 2011 received statement AND letter stating they have passed account to Metropolitan Collection Services
02 Sept 2011 received URGENT COMMUNICATION DO NOT IGNORE from Metropolitan, asking for us to confirm when full repayment will be made...failure to make full payment within 7 days MAY result in legal proceedings
10 Sept 2011 received letter from METROPOLITAN urgent communication do not ignore ..If we dont contact them they intend to instruct solicitors to issue legal proceedings and apply for an attachment of earnings - which may be sent to employer by the court to take money from wages to pay the debt.
11 Sept 2011 Sent the threat-o-gram before legal proceedings letter - as advised by in2deep
21 Sept 2011 Final Demand from METROPOLITAN - may take action, debt collectors may call round, pay up to prevent this or call and talk about repayments
24 Sept 2011 METROPOLITAN asking for £1 for CCA ??
30 Sept 2011 sent the threat doorstep/harrassment letter +the we sent for cca agreement
12 Oct 2011 METROPOLITAN complied and sent us copy of CCA (same as we received before - enforceable) stated that they require proposals for repayment of remaining balance within 14 days of receipt of this letter.
31 Dec 2011 HSBC/MKDP (in same envelope) informing account sold to MKDP on 8th Dec 2011. MKRR are their servicing agent - all contact to be directed to them. MKDP Letter end " contact MKRR to organise payment on this account as a matter of urgency"
15th Feb 2012 MKRR (MK Rapid Recoveries) aint gonna be that rapid with us!! we have not received offer of payment...in a position to offer an instalment arrangement..please call or pay..will continue to contact by phone or letter (1 x letter for overdraft (£900 ish, 1 x for credit card)

Do we start to deal with these guys now as this one sadly is enforceable - if so how do we proceed?? TPP