the-puppets UE diary

[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, MKDP LLP/MK Rapid Recoveries 20/03/12)

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 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.

UPDATED. Been a while since we last posted anything, enjoying the ignoring lol!

[Deepie]

the-puppets UE diary

Updated

Doing well with this ....keep up the good work........

[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, MKDP LLP/MK Rapid Recoveries 20/03/12)

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 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.

Updated

[the-puppets]

Re: the-predator-puppets UE diary

NEXT (Other half's shopping on-line account)
TYPE OF ACCOUNT : on-line credit ?
DATE COMMENCED: 04/06
APPROX BALANCE: £500
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: NEXT (MOORCROFT 01/10/11)....LOWELL PORTFOLIO (26/04/13)

10th June 2011 CCA Request sent
24th June 2011 Received a "True Copy" of cca, current cca, statement of account - stated Carey v HSBC court case?? emailed to Niddy to check - Niddy says "UE"
28th June 2011 Sent the "You sent us a blank application form" letter, now please send us a proper CCA
9th July 2011 Received letter from Next stating they have sent a "True Copy"
11th July 2011 Sent the Final Response - UE (CCA Received) letter
29th July 2011 received letter stating "unfortunately, we don't have the original signed credit agreement on file, so we're unable to send it. But, enclosed a True Copy of credit agreement along with current copy and statement of account...what we've sent does comply with the Consumer Credit Act"....will continue requests for payment...pass to dca...ignoring
25th August 2011 received a "regret to inform you" letter stating account will be transferred to a DCA on 19th Sept...blah blah
02 Sept 2011 received statement including a failure to make payment will result in account transferring to a DCA and a Default being recorded - waiting for this to go to a DCA so we can send the sold whilst in dispute letter
08 Sept 2011 - letter from NEXT "now seriously in arrears", pay £81 by TOMORROW to prevent account passing to DCA, failure to respond may result in blah...blah..blah... - ignoring
09 Sept 2011 - letter from NEXT "regret to inform you that your account will be transferred to a DCA on 19th Sept" .....may call at your home, may go to court...blah blah pay up today to stop account being transferred - ignoring, waiting for DCA letter
01 Oct 2011 - letter from MOORCROFT instructed to collect overdue debt...It is a legal requirement to send a notice of INTENDED LITIGATION before legal proceedings in the County Court are issued. We believe that this letter fulfils this requirement ....to prevent...settle debt...within 7 days...blah
3rd Oct 2011 Sent the "Threatogram" before legal action letter to MOORCROFT
18th Oct 2011 from MOORCROFT - account on hold whilst they investigate
10th Nov 2011 from MOORCROFT - Possible Litigation, to prevent the above possible action please send payment ......we may have no alternative other than to recomend to our client that solicitors issue legal action.....then a nice box of possible feesolicitor costs, court fees etc etc
13th Nov 2011 from MOORCROFT - have spoke to NEXT - account remains due for payment - call us (on hold for 2 weeks then follow up will recommence)
17th Nov 2011 sent to Moorcroft the "threat to commence legal action" letter
22nd Nov 2011 MOORCROFT telephoned work to discuss account (hung up on them!)
23rd Nov 2011 sent the harrassment telephone call at work letter AND the creditor refuses to accept CCA is UE letter (cheers Garlok)
24th Nov 2011 from MOORCROFT - monthly instalment offer (ignoring)
03rd Dec 2011 from MOORCROFT - account on hold whilst they refer back to NEXT re CCA True Copy..and a load of stuff abot if it is ue they can't makmake us pay before supposed to, get a court judgement, take back goods ...but can: ask debtors to pay what they owe, send default notice, refer to credit agency, pass into to dca, sell debt, take case to court....tell us something we don't know !!! lol
23rd Dec 2011 from MOORCROFT stating that Next believes they have answered concerns raised, and account remains liable...but if we have unresolved concerns regarding liability to provide specific details (have we not done that already - they cannot produce a cca or even a true copy!!!!) also enclosed blank financial statement to help set up repayment plan and a copy of the letter they sent last time (see above 3/12/11) - account on hold for 28 days to give us opportunity to the letter. They enclosed another BLANK COPY OF AGREEMENT/APPLICATION FORM (MAYBE i SHOULD RECYCLE THESE INTO CHRISTMAS DECS!!!!) - ignoring....
26th Jan 2012 from MOORCROFT ...unfortunately without contact account can only be held 28 days..after this will be closed on our system and returned to client (NEXT) to decide further action..ignoring..feel free to pass it back
09 MARCH 2013 Letter from Next, pay up or will pass to a DCA. only taken them a year to pass it back to next then...more ignoring to be done
24th May 2013 Letter from Next - Account passed to Lowell Portfolio Ltd on 26/04/13 not heard of this lot and why did it get passed a month ago and Next only just telling us now??? will wait and see what happens next then send sold in dispute letter
08 June 2013 had a few we are getting your CCA agreement from Next letters ...crack on but UE so not paying
14th June 2013 another Lowell letter stating next are trying to retrieve cca from archives....will send to us...once seen it ask us to pay outstanding balance in full .....we will see about that!
17th June 2013 Lowell P still no cca
24th June 2013 Lowell P still no cca
17th July 2013 Lowell P can't find it...no longer available due to length of time since account opened...we are closing your account
7th October 2013 Lowell P have got hold of reconstituted copy of cca ...another blank application form with name n address typed in, no signatures,
and a few old statement n changes letters
10th Oct 2013 sent the you sent us application form letter
18 Oct 2013 Lowell send us threat of solicitor and court if we don't pay up
24 Oct 2013 Lowell sent us the acknowledgement of complaint, looking into it, account on hold
20 Nov 2013 Lowell recognize copy has no signature but can still issue court proceedings and court decide whether we signed agreement or not. It is our client procedure not to grant credit without signature...true copy signed in your name...statements...provide evidence to credit used...NEXT would not allow without signed application....prefer to resolve amicably...mutually satisfactory payment plan...please contact...
6 dec 2013 sent the final response letter ....thanks pixie for link
14Feb2014 Lowell given up and closed account

Update. Happy valentines to us, they have finally given up...sit back and wait for next scum bag to try it on!

[the-puppets]

Re: the-predator-puppets UE diary

Letter sent, thanks

[Pixie]

Re: the-predator-puppets UE diary

I would send Final Response - UE ...again

[the-puppets]

Re: the-predator-puppets UE diary

NEXT (Other half's shopping on-line account)
TYPE OF ACCOUNT : on-line credit ?
DATE COMMENCED: 04/06
APPROX BALANCE: £500
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: NEXT (MOORCROFT 01/10/11)....LOWELL PORTFOLIO (26/04/13)

10th June 2011 CCA Request sent
24th June 2011 Received a "True Copy" of cca, current cca, statement of account - stated Carey v HSBC court case?? emailed to Niddy to check - Niddy says "UE"
28th June 2011 Sent the "You sent us a blank application form" letter, now please send us a proper CCA
9th July 2011 Received letter from Next stating they have sent a "True Copy"
11th July 2011 Sent the Final Response - UE (CCA Received) letter
29th July 2011 received letter stating "unfortunately, we don't have the original signed credit agreement on file, so we're unable to send it. But, enclosed a True Copy of credit agreement along with current copy and statement of account...what we've sent does comply with the Consumer Credit Act"....will continue requests for payment...pass to dca...ignoring
25th August 2011 received a "regret to inform you" letter stating account will be transferred to a DCA on 19th Sept...blah blah
02 Sept 2011 received statement including a failure to make payment will result in account transferring to a DCA and a Default being recorded - waiting for this to go to a DCA so we can send the sold whilst in dispute letter
08 Sept 2011 - letter from NEXT "now seriously in arrears", pay £81 by TOMORROW to prevent account passing to DCA, failure to respond may result in blah...blah..blah... - ignoring
09 Sept 2011 - letter from NEXT "regret to inform you that your account will be transferred to a DCA on 19th Sept" .....may call at your home, may go to court...blah blah pay up today to stop account being transferred - ignoring, waiting for DCA letter
01 Oct 2011 - letter from MOORCROFT instructed to collect overdue debt...It is a legal requirement to send a notice of INTENDED LITIGATION before legal proceedings in the County Court are issued. We believe that this letter fulfils this requirement ....to prevent...settle debt...within 7 days...blah
3rd Oct 2011 Sent the "Threatogram" before legal action letter to MOORCROFT
18th Oct 2011 from MOORCROFT - account on hold whilst they investigate
10th Nov 2011 from MOORCROFT - Possible Litigation, to prevent the above possible action please send payment ......we may have no alternative other than to recomend to our client that solicitors issue legal action.....then a nice box of possible feesolicitor costs, court fees etc etc
13th Nov 2011 from MOORCROFT - have spoke to NEXT - account remains due for payment - call us (on hold for 2 weeks then follow up will recommence)
17th Nov 2011 sent to Moorcroft the "threat to commence legal action" letter
22nd Nov 2011 MOORCROFT telephoned work to discuss account (hung up on them!)
23rd Nov 2011 sent the harrassment telephone call at work letter AND the creditor refuses to accept CCA is UE letter (cheers Garlok)
24th Nov 2011 from MOORCROFT - monthly instalment offer (ignoring)
03rd Dec 2011 from MOORCROFT - account on hold whilst they refer back to NEXT re CCA True Copy..and a load of stuff abot if it is ue they can't makmake us pay before supposed to, get a court judgement, take back goods ...but can: ask debtors to pay what they owe, send default notice, refer to credit agency, pass into to dca, sell debt, take case to court....tell us something we don't know !!! lol
23rd Dec 2011 from MOORCROFT stating that Next believes they have answered concerns raised, and account remains liable...but if we have unresolved concerns regarding liability to provide specific details (have we not done that already - they cannot produce a cca or even a true copy!!!!) also enclosed blank financial statement to help set up repayment plan and a copy of the letter they sent last time (see above 3/12/11) - account on hold for 28 days to give us opportunity to the letter. They enclosed another BLANK COPY OF AGREEMENT/APPLICATION FORM (MAYBE i SHOULD RECYCLE THESE INTO CHRISTMAS DECS!!!!) - ignoring....
26th Jan 2012 from MOORCROFT ...unfortunately without contact account can only be held 28 days..after this will be closed on our system and returned to client (NEXT) to decide further action..ignoring..feel free to pass it back
09 MARCH 2013 Letter from Next, pay up or will pass to a DCA. only taken them a year to pass it back to next then...more ignoring to be done
24th May 2013 Letter from Next - Account passed to Lowell Portfolio Ltd on 26/04/13 not heard of this lot and why did it get passed a month ago and Next only just telling us now??? will wait and see what happens next then send sold in dispute letter
08 June 2013 had a few we are getting your CCA agreement from Next letters ...crack on but UE so not paying
14th June 2013 another Lowell letter stating next are trying to retrieve cca from archives....will send to us...once seen it ask us to pay outstanding balance in full .....we will see about that!
17th June 2013 Lowell P still no cca
24th June 2013 Lowell P still no cca
17th July 2013 Lowell P can't find it...no longer available due to length of time since account opened...we are closing your account
7th October 2013 Lowell P have got hold of reconstituted copy of cca ...another blank application form with name n address typed in, no signatures,
and a few old statement n changes letters
10th Oct 2013 sent the you sent us application form letter
18 Oct 2013 Lowell send us threat of solicitor and court if we don't pay up
24 Oct 2013 Lowell sent us the acknowledgement of complaint, looking into it, account on hold
20 Nov 2013 Lowell recognize copy has no signature but can still issue court proceedings and court decide whether we signed agreement or not. It is our client procedure not to grant credit without signature...true copy signed in your name...statements...provide evidence to credit used...NEXT would not allow without signed application....prefer to resolve amicably...mutually satisfactory payment plan...please contact...

So if we signed one, why can't they produce one. Ignore or send a bugger off letter off some kind.

[MrsD]

Re: the-predator-puppets UE diary

just set up the standing order and go with it, no i&es

[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 (new dmp started June 2012)
DMP OR NOT PAY: DMP Last DMP payment was June 2011 - cancelled it to explore the UE route (new dmp started June 2012)
STATUS: Arrangement to pay
ACC OWNER: HSBC 20/08/11 Metropolitan Collections>>> 31/12/11 MKDP/MKRR >> 24/05/12 Raven Recoveries

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
20th March 2012 MKRR ..Not received offer of payment..may need to take further action..contact immediately...ignoring a while longer
12th April 2012 MKRAPID RECOVERIES - FINAL NOTICE - instructing pre legal dept to review account..may commence litigation ..blah blah
16th May 2012 MKRAPID RECOVERIES - FINAL DEMAND - threat of passing to Raven Recoveries which may involve CCJs blah blah

18th May 2012 DMP Pro-Rata offer letter sent
24th May 2012 Raven Recoveries instructed by MK Rapid Recoveries to collect balance...contact within 7 days blah blah ignoring as letter to MKRapid may have crossed
25th May 2012 MKDP - bank details enclosed - as per our dmp request letter to set up standing order
31 oct 2013 MKDP request we complete I and E form to renew our DMP and if we return form will deduct 10 quid from balance

So how do we play this one, having just complained to Arden re doing another I and E form for our mint loan???

[the-puppets]

Re: the-predator-puppets UE diary

Sounds like we are, especially the monthly payments request...which they already get...and we are only about 100 quid off what the original monthly payments were...well they are bullying the wrong people and we won't stand for it. Complaint letter to go out tomorrow, cheers

[MrsD]

Re: the-predator-puppets UE diary

I would send a one liner headed COMPLAINT referring them to your letter of 10th Oct, and politely suggesting they read it. I think you're caught in an automatic stupid letter programme on some nitwit's computer

[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 (new dmp started June 2012)
DMP OR NOT PAYMP Last DMP payment was June 2011 - cancelled it to explore the UE route (new dmp started June 2012)
STATUS: Default 7/12/10
ACC OWNER: MINT - passed to IDEM 5/12/11 - Arden Credit management 3/5/12

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
2 nd July 2011 MINT acknowledging complaint - they are "looking into it"
7 th 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 us 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 ( due to dates - blagging it a while longer!)
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 you 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" waiting a while longer and then look at setting up a DMP with this one
03rd April 2012 IDEM notice of Sums in Arrears
05 April 2012 IDEM We need to speak with you please contact
19 April 2012 IDEM Notice to terminate loan agreement...demand payment, if not repaid by 11th may we will take steps to recover by passing matter to debt collectors or instructing solicitors to issue court proceedings
03rd May 2012 IDEm informed us Arden Credit Management now dealing
05th May 2012 Arden informing us they are now dealing with account...

18th May 2012 DMP Pro-Rata offer letter sent
23rd May 2012 Arden concerned not taken steps to address balance..failure to..could result in further action...blah blah ignoring as letters may have crossed
26th May 2012 Arden accepted offer of repayment well done !!
25th June 2012 Statement from Idem
30th Sept 2012 Notice of Sums in Arrears- stating they will use payments to pay off arrears and then fees/charges owing...may have to pay default sums and interest in relation to missed or partly made payments..notices will be sent every 6 months
Dec 2012 Arden agree to another 6months on DMP at same amount
27 March 2013 Idem Notice of Sums in Arrears
28 May 2013 Arden..not taken steps to address balance....
08 June 2013 sent a no change in circumstances letter
4th July 2013 Arden requesting an updated incoming outgoing to comply with their "treating customers fairly" policy and recent regulations. Previous payment arrangement expired...info will enable us to ensure not overcomitting self..no need to increase payment offer if unable to do so...complete enclosed form...more like they want to see if they can squeeze more out of us...ignoring for now.
8 October 2013 Arden threats of visits, court, fees etc as we haven't replied to request for updated I and E
10 Oct 2013 sent another no change, paying max we can letter
18 Oct 2013 Arden threats of debt collectors etc as no offer of payment...state we need to pay up or offer monthly amount
19 Oct 2013 Arden give us another I and E form

Not sure how to proceed with these....send our charity dmp with updated amounts or tell them to bog off and wait for court or ccj to order us to make offer etc...either way will only be paying approx same amount they are getting now

[the-puppets]

Re: the-predator-puppets UE diary

NEXT (Other half's shopping on-line account)
TYPE OF ACCOUNT : on-line credit ?
DATE COMMENCED: 04/06
APPROX BALANCE: £500
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: NEXT (MOORCROFT 01/10/11)....LOWELL PORTFOLIO (26/04/13)

10th June 2011 CCA Request sent
24th June 2011 Received a "True Copy" of cca, current cca, statement of account - stated Carey v HSBC court case?? emailed to Niddy to check - Niddy says "UE"
28th June 2011 Sent the "You sent us a blank application form" letter, now please send us a proper CCA
9th July 2011 Received letter from Next stating they have sent a "True Copy"
11th July 2011 Sent the Final Response - UE (CCA Received) letter
29th July 2011 received letter stating "unfortunately, we don't have the original signed credit agreement on file, so we're unable to send it. But, enclosed a True Copy of credit agreement along with current copy and statement of account...what we've sent does comply with the Consumer Credit Act"....will continue requests for payment...pass to dca...ignoring
25th August 2011 received a "regret to inform you" letter stating account will be transferred to a DCA on 19th Sept...blah blah
02 Sept 2011 received statement including a failure to make payment will result in account transferring to a DCA and a Default being recorded - waiting for this to go to a DCA so we can send the sold whilst in dispute letter
08 Sept 2011 - letter from NEXT "now seriously in arrears", pay £81 by TOMORROW to prevent account passing to DCA, failure to respond may result in blah...blah..blah... - ignoring
09 Sept 2011 - letter from NEXT "regret to inform you that your account will be transferred to a DCA on 19th Sept" .....may call at your home, may go to court...blah blah pay up today to stop account being transferred - ignoring, waiting for DCA letter
01 Oct 2011 - letter from MOORCROFT instructed to collect overdue debt...It is a legal requirement to send a notice of INTENDED LITIGATION before legal proceedings in the County Court are issued. We believe that this letter fulfils this requirement ....to prevent...settle debt...within 7 days...blah
3rd Oct 2011 Sent the "Threatogram" before legal action letter to MOORCROFT
18th Oct 2011 from MOORCROFT - account on hold whilst they investigate
10th Nov 2011 from MOORCROFT - Possible Litigation, to prevent the above possible action please send payment ......we may have no alternative other than to recomend to our client that solicitors issue legal action.....then a nice box of possible feesolicitor costs, court fees etc etc
13th Nov 2011 from MOORCROFT - have spoke to NEXT - account remains due for payment - call us (on hold for 2 weeks then follow up will recommence)
17th Nov 2011 sent to Moorcroft the "threat to commence legal action" letter
22nd Nov 2011 MOORCROFT telephoned work to discuss account (hung up on them!)
23rd Nov 2011 sent the harrassment telephone call at work letter AND the creditor refuses to accept CCA is UE letter (cheers Garlok)
24th Nov 2011 from MOORCROFT - monthly instalment offer (ignoring)
03rd Dec 2011 from MOORCROFT - account on hold whilst they refer back to NEXT re CCA True Copy..and a load of stuff abot if it is ue they can't makmake us pay before supposed to, get a court judgement, take back goods ...but can: ask debtors to pay what they owe, send default notice, refer to credit agency, pass into to dca, sell debt, take case to court....tell us something we don't know !!! lol
23rd Dec 2011 from MOORCROFT stating that Next believes they have answered concerns raised, and account remains liable...but if we have unresolved concerns regarding liability to provide specific details (have we not done that already - they cannot produce a cca or even a true copy!!!!) also enclosed blank financial statement to help set up repayment plan and a copy of the letter they sent last time (see above 3/12/11) - account on hold for 28 days to give us opportunity to the letter. They enclosed another BLANK COPY OF AGREEMENT/APPLICATION FORM (MAYBE i SHOULD RECYCLE THESE INTO CHRISTMAS DECS!!!!) - ignoring....
26th Jan 2012 from MOORCROFT ...unfortunately without contact account can only be held 28 days..after this will be closed on our system and returned to client (NEXT) to decide further action..ignoring..feel free to pass it back
09 MARCH 2013 Letter from Next, pay up or will pass to a DCA. only taken them a year to pass it back to next then...more ignoring to be done
24th May 2013 Letter from Next - Account passed to Lowell Portfolio Ltd on 26/04/13 not heard of this lot and why did it get passed a month ago and Next only just telling us now??? will wait and see what happens next then send sold in dispute letter
08 June 2013 had a few we are getting your CCA agreement from Next letters ...crack on but UE so not paying
14th June 2013 another Lowell letter stating next are trying to retrieve cca from archives....will send to us...once seen it ask us to pay outstanding balance in full .....we will see about that!
17th June 2013 Lowell P still no cca
24th June 2013 Lowell P still no cca
17th July 2013 Lowell P can't find it...no longer available due to length of time since account opened...we are closing your account
7th October 2013 Lowell P have got hold of reconstituted copy of cca ...another blank application form with name n address typed in, no signatures,
and a few old statement n changes letters
10th Oct 2013 sent the you sent us application form letter
18 Oct 2013 Lowell send us threat of solicitor and court if we don't pay up

Had a few phone calls and email from these toss pots recently !!!! Do we send the threat to commence legal action letter and harassment letter?

[the-puppets]

Re: the-predator-puppets UE diary

NEXT (Other half's shopping on-line account)
TYPE OF ACCOUNT : on-line credit ?
DATE COMMENCED: 04/06
APPROX BALANCE: £500
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: NEXT (MOORCROFT 01/10/11)....LOWELL PORTFOLIO (26/04/13)

10th June 2011 CCA Request sent
24th June 2011 Received a "True Copy" of cca, current cca, statement of account - stated Carey v HSBC court case?? emailed to Niddy to check - Niddy says "UE"
28th June 2011 Sent the "You sent us a blank application form" letter, now please send us a proper CCA
9th July 2011 Received letter from Next stating they have sent a "True Copy"
11th July 2011 Sent the Final Response - UE (CCA Received) letter
29th July 2011 received letter stating "unfortunately, we don't have the original signed credit agreement on file, so we're unable to send it. But, enclosed a True Copy of credit agreement along with current copy and statement of account...what we've sent does comply with the Consumer Credit Act"....will continue requests for payment...pass to dca...ignoring
25th August 2011 received a "regret to inform you" letter stating account will be transferred to a DCA on 19th Sept...blah blah
02 Sept 2011 received statement including a failure to make payment will result in account transferring to a DCA and a Default being recorded - waiting for this to go to a DCA so we can send the sold whilst in dispute letter
08 Sept 2011 - letter from NEXT "now seriously in arrears", pay £81 by TOMORROW to prevent account passing to DCA, failure to respond may result in blah...blah..blah... - ignoring
09 Sept 2011 - letter from NEXT "regret to inform you that your account will be transferred to a DCA on 19th Sept" .....may call at your home, may go to court...blah blah pay up today to stop account being transferred - ignoring, waiting for DCA letter
01 Oct 2011 - letter from MOORCROFT instructed to collect overdue debt...It is a legal requirement to send a notice of INTENDED LITIGATION before legal proceedings in the County Court are issued. We believe that this letter fulfils this requirement ....to prevent...settle debt...within 7 days...blah
3rd Oct 2011 Sent the "Threatogram" before legal action letter to MOORCROFT
18th Oct 2011 from MOORCROFT - account on hold whilst they investigate
10th Nov 2011 from MOORCROFT - Possible Litigation, to prevent the above possible action please send payment ......we may have no alternative other than to recomend to our client that solicitors issue legal action.....then a nice box of possible feesolicitor costs, court fees etc etc
13th Nov 2011 from MOORCROFT - have spoke to NEXT - account remains due for payment - call us (on hold for 2 weeks then follow up will recommence)
17th Nov 2011 sent to Moorcroft the "threat to commence legal action" letter
22nd Nov 2011 MOORCROFT telephoned work to discuss account (hung up on them!)
23rd Nov 2011 sent the harrassment telephone call at work letter AND the creditor refuses to accept CCA is UE letter (cheers Garlok)
24th Nov 2011 from MOORCROFT - monthly instalment offer (ignoring)
03rd Dec 2011 from MOORCROFT - account on hold whilst they refer back to NEXT re CCA True Copy..and a load of stuff abot if it is ue they can't makmake us pay before supposed to, get a court judgement, take back goods ...but can: ask debtors to pay what they owe, send default notice, refer to credit agency, pass into to dca, sell debt, take case to court....tell us something we don't know !!! lol
23rd Dec 2011 from MOORCROFT stating that Next believes they have answered concerns raised, and account remains liable...but if we have unresolved concerns regarding liability to provide specific details (have we not done that already - they cannot produce a cca or even a true copy!!!!) also enclosed blank financial statement to help set up repayment plan and a copy of the letter they sent last time (see above 3/12/11) - account on hold for 28 days to give us opportunity to the letter. They enclosed another BLANK COPY OF AGREEMENT/APPLICATION FORM (MAYBE i SHOULD RECYCLE THESE INTO CHRISTMAS DECS!!!!) - ignoring....
26th Jan 2012 from MOORCROFT ...unfortunately without contact account can only be held 28 days..after this will be closed on our system and returned to client (NEXT) to decide further action..ignoring..feel free to pass it back
09 MARCH 2013 Letter from Next, pay up or will pass to a DCA. only taken them a year to pass it back to next then...more ignoring to be done
24th May 2013 Letter from Next - Account passed to Lowell Portfolio Ltd on 26/04/13 not heard of this lot and why did it get passed a month ago and Next only just telling us now??? will wait and see what happens next then send sold in dispute letter
08 June 2013 had a few we are getting your CCA agreement from Next letters ...crack on but UE so not paying
14th June 2013 another Lowell letter stating next are trying to retrieve cca from archives....will send to us...once seen it ask us to pay outstanding balance in full .....we will see about that!
17th June 2013 Lowell P still no cca
24th June 2013 Lowell P still no cca
17th July 2013 Lowell P can't find it...no longer available due to length of time since account opened...we are closing your account
7th October 2013 Lowell P have got hold of reconstituted copy of cca ...another blank application form with name n address typed in, no signatures,
and a few old statement n changes letters
10th Oct 2013 sent the you sent us application form letter

Updated

[MrsD]

Re: the-predator-puppets UE diary

no bother sorted I hope, just ask if you get stuck

xx