the-puppets UE diary

[Never-In-Doubt]

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 May 2011 last paid
DMP OR NOT PAY: DMP
STATUS: Arrangement to Pay
ACC OWNER: NEXT

Send for the CCA Request and lets see what happens...

[Never-In-Doubt]

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 May 2011 last paid
DMP OR NOT PAY: DMP
STATUS: Default 23/09/10
ACC OWNER: MINT

Possibly unenforceable - send off for CCA Request...

[Never-In-Doubt]

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 May 2011 last paid
DMP OR NOT PAY: DMP
STATUS: Arrangement to pay
ACC OWNER: HSBC

Probably enforceable, send off for the CCA Request and see what happens

[Never-In-Doubt]

Re: the-predator-puppets UE diary

LLOYDS LOAN (JOINT)

TYPE OF ACCOUNT : Loan
DATE COMMENCED: 08/12/08
APPROX BALANCE: £7,000
DATE LAST PAID:May 2010 usual amount, tokens til Dec 2010, then DMP from Dec 2010 to May 2011 last paid
DMP OR NOT PAY: DMP
STATUS: Arrangement to pay
ACC OWNER: Lloyds

Probably enforceable but still send off for the CCA - don't stop payments on this yet!

[Never-In-Doubt]

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 May 2011 last paid
DMP OR NOT PAY: DMP
STATUS: Up to date (we are just making min payment amounts via the DMP)
ACC OWNER: Barclaycard

Most likely unenforceable, you should send for the CCA Request asap and similarly, ideally you ought to cease repayments so that they sell the account.

[Never-In-Doubt]

Re: the-predator-puppets UE diary

NORTHERN ROCK LOAN (JOINT)

TYPE OF ACCOUNT : Loan
DATE COMMENCED: 05/06
APPROX BALANCE: £27,000
DATE LAST PAID:May 2010 usual amount, tokens til Dec 2010, then DMP from Dec 2010 to May 2011 last paid
DMP OR NOT PAY: DMP
STATUS: Up to date *note on credit report stating account being settled via DMP
ACC OWNER: Northern Rock

This is more than likely going to be enforceable as well, however send off for the CCA Request and we'll take it from there, when you get a reply.

[Never-In-Doubt]

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 May 2011 last paid
DMP OR NOT PAYMP
STATUS: Default 7/12/10
ACC OWNER: MINT

Chances are this will be enforceable due to the date of commencement, however no harm in sending off for a CCA - start the ball rolling by sending this off:---> CCA Request

Can you confirm what agreement you have in place for this account? i.e. what you are paying back each month and whether Mint have agreed to it? Are you happy to cease repayments, so it gets sold to a DCA (thus stopping charges/interest etc).....

Please clarify the above but in the meantime send the CCA Request off, recorded delivery, with £1 (ensure you do not sign anything!).

[the-puppets]

Re: the-predator-puppets UE diary

Thanks folks, we are ready to take the plunge...better get some new print cartridges to start sending off CCA requests.

[Never-In-Doubt]

Re: the-predator-puppets UE diary

Hope we've put all the info in the right way. Going for a beer now having just seen it all again in black and white....hope to catch up with peeps soon. Thanks again.

TPP

I'll post some responses for you in the morning. Well done on the first step.

Are you ready to trust us and go for it? You will get defaulted; that's the only real downside but then again right now credit is the last thing you want

[alland]

Re: the-predator-puppets UE diary

I would also like to say well done on starting your diary, you are now over the first and most difficult hurdle.
Don't worry most of us here have been (or still are) where you find yourselves right now.

You will soon start to feel a whole lot better, and the advice you receive here will soon have you back in control so you will be in a position to sort out your finances on your terms, not your creditors terms.

Good luck with your UE journey, hopefully some you will win, some may require re-negotiation, but one thing to remember throughout is no matter how daunting it feels - you WILL be in a better position at the end of it.

[MrsD]

Re: the-predator-puppets UE diary

well done guys, first step is usually a bit daunting, writing it all down and seeing the numbers, enjoy the beer and Niddy will be along to have a look shortly.

take care

Dopeyxx

[the-puppets]

Re: the-predator-puppets UE diary

Hope we've put all the info in the right way. Going for a beer now having just seen it all again in black and white....hope to catch up with peeps soon. Thanks again.

TPP

[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

[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)...NELSON GUEST SOLICITORS (09/03/12)...Credit Security Limited 29/3/12...Regal Credit Consultants (24/07/12) ....Scotcall (nov/dec2012)...Cabot (July 2016)

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 installments are required.....blah..14 days to contact them if we still believe valid dispute else will pass to recovery team.
09 March 2012 NELSON GUEST SOLICITORS on behalf of wet cloths!!..unless full payment or repayment plan in 10 days, further recovery action WILL be taken.
19 March 2012 WESCOT Previously advised considering doorstep collection visit...instructions will now be provided to our agent to make an appointment with us to visit home address to agree how we will repay debt...to avoid please call IMMEDIATELY ignoring til they appear on our doorstep and will deal with them if they do!!
29th March 2012 Credit Security Limited instructed by WETCLOTHS to recover debt. Unless valid reason for non payment settlement required in 7 days. ignoring
12 April 2012 Credit security ltd Demand money immediately, failure could result in debt collector calling ignoring
19 April 2012 Credit Security Ltd - Re Wescot Credit Services - Royal Bank of Scotland..now left with one course of action but before referring for recovery by doorstep agent and in final gesture to resolve matter our clients are prepared to accept reduced sum in settlement knocked a grand off - ignoring as not paying as UE!!!
28 July 2012 letter from Mint stating that Regal Credit Consultants is now acting as their new collection agent and will contact us to discuss repayments.here we go again, i feel some "Olympic Ignoring" coming on!
13th August 2012 Regal Credit Consultants wish to discuss repayment
14th August 2012 sending Regal the "account sold in dispute" letter
17th August phone calll from Regal on answer phone "hello, hello" followed by sound of typing on a computer and hung up
23rd August 2012 Regal acknowledge letter of complaint..looking into it
05th Sept 2012 Regal spoken to MINT who say they have complied with CCA request on 30th June 2011..therefore have approval to continue collection..account on hold 2 weeks for us to put repayment proposal together..this is final response...or suggest financial ombudsman
08th Sept 2012 Final Response CCA received letter sent
14th Sept 2012 Regal acknowledge recent correspondance and have forwarded to client before responding
26th Sept 2012 Regal say as they have not received reasons for non-payment then SCOT CALL may visit (what happened to getting back to us re previous letter??? - plebs!!)
10th Sept 2012 Regal - threat of field agent still no reply to previous letter CCA received
Nov/Dec 2012 several cold calls from Scotcall but no letter saying they have officially taken on this debt ignoring til they do
June 2016 letter stating Cabot have taken on this debt.
July 2016 numerous phone calls and another letter from Cabot ref this debt...sent the sold in dispute letter and the telephone harassment letter
13th Aug 2016 letter from Cabot saying they will chase up cca etc with MINT but may take up to 40 days ...take your time no rush as we know it's UE!

[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>>Dec 2015 Robinson Way

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
Nov 2013 MKDP will enter us in a Xmas raffle draw if we make payments on time!!!!
1st March 2014 set up self managed DMP

Dec 2015 Robinson Way take over as the DCA, ask for confirmation of affordability of monthly payments.