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Re: the-predator-puppets UE diary
Updated October 2015
Originally posted by the-puppets
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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, MKDP LLP/MK Rapid Recoveries 20/03/12), Robinson Way Oct 2015
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 2011 Statement 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.ignoring
03rd April 2012 BARCLAYCARD informing us account passed to MKDPP LLP/MK Rapid Recoveries 20/03/12 just keep passing it on - ignoring again!
20 April 2012 MKRAPID RECOVERIES not received offer of payment...offer instalment arrangement...please call else will continue to telephone or letter ignoring
20th August 2012 MKRAPID RECOVERIES have not received offer of payment....please contact..blah blah
sent sold in dispute
08th Sept 2012 MKRapid - looking into complaint
5th Nov 2012 MKDP apologize they are unable to resolve our query and are liaising with Barclaycard and will contact us when they get a response
15 March 2013 from MKDP statements of account enclosed and letter saying they have asked Barclaycard to send copy of CCA - good luck with that then, ignoring until they do
28 March 2013 MKDP letter to say no news from Barclaycard as yet...will contact us when they hear from them
13th May 2013 another letter from MKDP to say they can't find it
08 June 2013 another from MKDP unable to resolve query
13th June 2013 MKDP still can't resolve...
10th Oct 2013 MKDP still can't resolve...
12th Nov 2013 as above
....several months later and after monthly can't resolve letters MKDP have given up...
24th Feb 2014 Barclaycard back in touch. Send us another blank t and c form and state balance outstanding. ignoring and waiting for the next DCA for this one to go to next.
5th Aug 2014 after a few more MKDP can't resolve letters Barclaycard have again sent a reconstituted copy crap letter stating balance is due in full. ignoring again
5th Jan 2015 received from MKDP ref the cca request a letter quoting bits of legal jargon "the consumer credit cancellation notices and copies of documents regs 1983, any signature box, signature and date of signature may be omitted from the copy of the executed agreement" ......blah blah and that the enclosed reconstituted copy is sufficient...balance due in full. But yet again looks like another copy of terms and conditions. Sent to Niddy just to check again. Niddydeclares UE still.
23rd Jan 2015 letter from KEYNES COLLECTIONS NOTICE OF INTENDED LEGAL ACTION, as we failed to respond to MKDP , formal demand in accordance with the Practice Direction Pre Action Conduct of the Civil Procedure Rules, attention drawn to para 4 of Annex A concerning courts power to impose sanctions for failure to comply.....Pay up within 14 days or agree payment plan else legal action MAY be taken .....sent the stronger letter before legal action, thanks plan B
30th jan 2015 MKDP same crap from them saying exact copy showing signature does not need to be sent and reconstituted copy sufficient. Enclosed statements and another terms and conditions with name and address typed on first page, default notice to follow.
4th February 2015 MKDP acknowledge receipt of dispute will respond in due course, account on hold.
13th February 2015 MKDP send us ...you have requested copy of default notice and can confirm this would have been sent by original creditor in accordance with sec88 of CCA. Default date for account is 27 March 2012....request we contact them to discuss account.....
10 Oct 2015 received letter from hoist portfolio holding 2 limited who hold the debt now and have given it to robinsonway to try and collect. have drafted the sold in dispute letter to send.
updated
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, MKDP LLP/MK Rapid Recoveries 20/03/12), Robinson Way Oct 2015
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 2011 Statement 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.ignoring
03rd April 2012 BARCLAYCARD informing us account passed to MKDPP LLP/MK Rapid Recoveries 20/03/12 just keep passing it on - ignoring again!
20 April 2012 MKRAPID RECOVERIES not received offer of payment...offer instalment arrangement...please call else will continue to telephone or letter ignoring
20th August 2012 MKRAPID RECOVERIES have not received offer of payment....please contact..blah blah
sent sold in dispute
08th Sept 2012 MKRapid - looking into complaint
5th Nov 2012 MKDP apologize they are unable to resolve our query and are liaising with Barclaycard and will contact us when they get a response
15 March 2013 from MKDP statements of account enclosed and letter saying they have asked Barclaycard to send copy of CCA - good luck with that then, ignoring until they do
28 March 2013 MKDP letter to say no news from Barclaycard as yet...will contact us when they hear from them
13th May 2013 another letter from MKDP to say they can't find it
08 June 2013 another from MKDP unable to resolve query
13th June 2013 MKDP still can't resolve...
10th Oct 2013 MKDP still can't resolve...
12th Nov 2013 as above
....several months later and after monthly can't resolve letters MKDP have given up...
24th Feb 2014 Barclaycard back in touch. Send us another blank t and c form and state balance outstanding. ignoring and waiting for the next DCA for this one to go to next.
5th Aug 2014 after a few more MKDP can't resolve letters Barclaycard have again sent a reconstituted copy crap letter stating balance is due in full. ignoring again
5th Jan 2015 received from MKDP ref the cca request a letter quoting bits of legal jargon "the consumer credit cancellation notices and copies of documents regs 1983, any signature box, signature and date of signature may be omitted from the copy of the executed agreement" ......blah blah and that the enclosed reconstituted copy is sufficient...balance due in full. But yet again looks like another copy of terms and conditions. Sent to Niddy just to check again. Niddydeclares UE still.
23rd Jan 2015 letter from KEYNES COLLECTIONS NOTICE OF INTENDED LEGAL ACTION, as we failed to respond to MKDP , formal demand in accordance with the Practice Direction Pre Action Conduct of the Civil Procedure Rules, attention drawn to para 4 of Annex A concerning courts power to impose sanctions for failure to comply.....Pay up within 14 days or agree payment plan else legal action MAY be taken .....sent the stronger letter before legal action, thanks plan B
30th jan 2015 MKDP same crap from them saying exact copy showing signature does not need to be sent and reconstituted copy sufficient. Enclosed statements and another terms and conditions with name and address typed on first page, default notice to follow.
4th February 2015 MKDP acknowledge receipt of dispute will respond in due course, account on hold.
13th February 2015 MKDP send us ...you have requested copy of default notice and can confirm this would have been sent by original creditor in accordance with sec88 of CCA. Default date for account is 27 March 2012....request we contact them to discuss account.....
10 Oct 2015 received letter from hoist portfolio holding 2 limited who hold the debt now and have given it to robinsonway to try and collect. have drafted the sold in dispute letter to send.
updated
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