the-puppets UE diary

[the-puppets]

Background : the usual really lots of little debts and overdrafts, credit cards etc, tried to consolidate them with loans, got a together mortgage and loan to buy a home etc etc. We eventually realised we weren't paying hardly anything back and only just making the minimums each month. We then did the maths and were stunned to find we owed approx £85,000 in total. After the shock hit home and a lot of stressing out we found advice on the web and went for an IVA but didn't get it so started a DMP (free one!). However, after 6 months of it we have "seen the light" - Via this forum, and feel if successful with UE we could pay back some of the enforceable debts quicker, such as the bank overdrafts, as most of our predators are still adding interest. We are now putting ourselves into your hands and value your advice. Many thanks and here we go.......doing it the niddy way

Last original DMP payment was June 2011 - cancelled it to explore the UE route before deciding what to do next.

DIARY KEY:

Starting info
Sent
Received
Info
DMP info

APRIL 2012
UPDATE: Now we have received all the creditors CCAs and of the 7 of them 4 are enforceable and 3 are unenforceable. At least that will reduce our original total debt by a sizeable amount. We will continue ignoring correspondence from the UE ones and the dodgy DCA's trying to collect on them (getting kinda good at that now!). As for the rest we are putting together a new charity-based DMP from June/July 2012 to sort those.

MARCH 2014
UPDATE: now managing our own self-managed DMP
Will update any significant progress as and when.

DEC 2015
UPDATE doing well self managing, had a couple PPI payouts from Lloyd's. Largely left alone but barclaycard still passing from one DCA to another but no signed CCA forthcoming so will continue to play pass the parcel til they give up. Hoping to be debt free around April 2019 with our more manageable dm plan. Good luck to you all. The puppets xxx

OCT 2018 nearly there with a few months to go til all the enforceables are paid off. Just Barclaycard still chancing their arm with various dca s but statute barred by now so no worries there.

THANKS : to everyone (especially Mr Niddy) for helping us on our way to managing things and having this fantastic forum to share our journey and reduce our anxiety and anger as we try to become debt-free.

We couldn't do it without all of you so thanks, and keep up the good work.

Cheers

TPP the predator puppets

[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 PAYDMP 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 - Idem took back Dec 2015

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
24 Oct 2013 Arden Final Demand, threat of visit n court action re non payment
but we are paying by standing order, plebs!
28 oct 2013 sent letter of complaint stating they are receiving max we can afford
4th Nov 2013 Arden response to complaint???agreed to extend current monthly payments til end of Jan but then we have to send updated I and E info.
1st March 2014 self managing our DMP and offered them reduced amount
Dec 2015 ARDEN reverting back to IDEM, need to change direct debit DMP and want to review amount paid each month to ensure its affordable... switched it, will wait for chaser before confirming affordability of monthly payments, last time they asked I just reduced it by ten quid!
Oct nov 2016 idem questioning our latest offer of payment saying it's too much and how can we afford it Despite my pro rata spreadsheet which shows exactly how.

[the-puppets]

Re: the-predator-puppets UE diary

NORTHERN ROCK LOAN - NRAM (JOINT LOAN)

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 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: Up to date *note on credit report stating account being settled via DMP DEFAULT NOTICE 18/01/12
ACC OWNER: Northern Rock...NRAM Debt Management

10th June 2011 CCA Request sent
21st June 2011 Received Telephone (Ansaphone) message - please call NRAM - ignoring for now
2nd July 2011 Received letter stating amounts we agreed to pay via dmp - ignoring still - may be the penny will drop when they don't receive payment!!
8th July 2011 CCA docs recieved - look correct - email to niddy to check - Niddy says enforceable
22nd July 2011 received reminder to make monthly payment (obviously noticed not getting DMP pay any more)
2nd Aug 2011 received reminder to make monthly payment noticed also they have taken it any ways on top of our DD for the mortgage ..thieving scoundrals!
6th Aug 2011 sent letter of complaint to our bank re NRAM breaking the Direct Debit Guarantee and requesting a refund. Cancelled the DD. Requested a Standing Order be set up for the Mortgage ONLY.
12th Aug 2011 letter from Bank stating they are dealing with our complaint set up the DD
20th Aug 2011 received cheque for payment they shouldn't have taken result!!
25th Aug 2011 received reminder that agreed payment arrangement date is approaching
2nd Sept 2011 received letter stating we failed to maintain arrangement to pay (because we cancelled dmp), if account moves further into arrears and exceeds 1 monthly payment adverse credit will be registered ignoring, waiting for it to pass to dca
7th Sept 2011 received from NRAM - you are not maintaining contractual payment, you have arrears on secured loan(mortgage) - news to me and on the unsecured loan we know about that because we stopped paying it.
11th Sept 2011 sent letter of complaint to NRAM to remove arrears - their mistake!!
22nd Sept2011 NRAM acknowledged complaint - are investigating
24th Sept 2011 NRAM payment reminder
04th Sept 2011 NRAM payment reminder - no news on complaint re arrears on mortgage cock-up as yet-ignoring
14th Oct 2011 NRAM no resolution to complaint as yet, still investigating - covering their arses more like!
15th Oct 2011 NRAM reminder our interest-free period runs out after next month on the mortgage payments
10th Nov 2011 NRAM Customer Relations apologising for mortgage arrears mistake, correcting and backdating payment and assuring us no affect on credit file. Also apologised for fact that the arrears letter took 9 months to inform us - and they can find no explanation as to why
22nd Nov 2011 NRAM remider - mortgage stops being interest free from Dec - update standing order (will do for mortgage but not loan - see if they pass that to a DCA)
24th Nov 2011 NRAM reminder - arrears (assume arrears on loan as we have apology letter for arrears on mortgage!)
22nd Dec 2011 NRAM breakdown of arrears - includes the mystery amount back against the mortgage when they "cocked up" last time - sent copy of previous complaint upheld letter to get it removed/zeroed
04th Jan 2012 NRAM Customer Relations - acknowledge complaint and are looking into it
10th Jan 2012 NRAM temporary payment arrangement now expired (that expired the minute we stopped paying it on the dmp!!) assume we have resolved our difficulties and are able to resume contractual payments on the loan (doesn't pay to assume and we 'aint paying!) contact us..failure to pay may result in account passing to collections dept for arrears action (thought they already had?) this may involve arrears letters and attempting contact by telephone to discuss repayment of the full arrears(we have a letter we can use to stop the calls don't we everyone) we may register info with credit ref agencies (we know that!!) - ignoring.
19th Jan 2012 NRAM ...cancelled payment arrangement and recommended charging interest on unsecured loan account..now required to pay contractual monthly payment...if no contact account may pass to Collections dept for arrears action..letters and attempting to contact by phone to discuss repayment...
20th Jan 2012 Default Notice...remedy breach by paying up £x by 9th Feb, if not FURTHER ACTION MAY BE TAKEN..."
24th Jan 2012 NRAM have transferred the loan money they STOLE from our MORTGAGE PAYMENT back to the mortgage account along with interest and charges to put us back to normal and CLEAR OF MORTGAGE ARREARS..at last!
27th Jan 2012 NRAM thanks for mortgage payment, reninder arrears on loan
28th Jan 2012 GOOD NEWS: NRAM apology for arrears cock up after second complaint and blamed on admin error. ...BAD NEWS: Failure to pay loan arrears may result in legal action..blah blah. GOOD NEWS: As gesture of goodwill offered an ex-gratia payment of £50 for distress and inconvenience caused
14th Apr 2012 NRAM apologising for error in recent regulatory notice they sent plus a mini statement (Jan-Mar) However the arrears cock up still showing but with rectified payment back further down statement, plus it appears our january mortgage payment has been split between mortgage and loan and then further down the loan bit given back to the mortgage...BUT for feb and march back to a split between mortgage and loan...here we go again - sent another (3rd) letter of complaint for clarification and to ensure all monies we send go to pay the mortgage only....maybe they'll apologise with another £50!! lol
10th May 2012 NRAM STATEMENT - confirms they are spliting our payments into our mortgage between the mortgage and the loan still no response to complaint sent on 14th April -

18th May 2012 DMP Pro-Rata offer letter sent
01st Jun 2012 NRAM confirm splitting of payments because no repayment plan in place and that we have to telephone each month to ask for the standing order to be allocated to the secured (mortgage) element only. They have corrected the payments from feb to may to bring us back out of arrears. Absolute ..ers!! No mention of whether they are accepting the DMP offer so will probably steal cash from Junes Mortgage payment and take us back to square one.ARghh!
07th Jun 2012 NRAM statement - showing they have put the "stolen" money back to the mortgage to take us out of arrears - still nothing about accepting DMP...will set up a standing order anyway but not til next payday..they can bloody well wait!!
09th Jun 2012 NRAM Final Demand - guessing they didn't get dmp offer letter or ignored it - now resending with copy of proof of posting and BIG YELLOW MARKER pen on the date sent - double ..ers!!
16th Jun 2012 NRAm accepted offer of DMP - well done and about time!
01 June 2013 received flurry of letters including a contact us urgent, your reduced payments on loan are coming to an end, and total arrears on account now thirteen quid. they are hopeless, we overpay on the loan as part of dmp, and not sure if they are splitting payments properly as we should have more arrears on loan?
08 June 2013 sent a what the fcuk you doing, confused.com letter to find out
31st July 2013 received apology for delay in response to complaint. They are now looking into it...funny how its urgent when they want to contact us yet it takes nearly 2 months to get acknowledgement from them !!!!!
15th August 2013 NRAM state they have found discrepancies in the payments into our mortgage and loan and have made some minor alterations.....think you will find it is us that found the issue and told them about it...hopefully sorted now.
1st March 2014 self managing our dmp
nov 2016 landmark taken over the mortgage and loan. Stated we are in arrears with mortgage by about 100 quid.here we go again (see above posts when they did this before) they have a real problem in getting two standing orders and using one for mortgage and one for loan. I will be sending a letter explaining it to them again. You never know we may get another 50 quid for stress and inconvenience again. Ffs

[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), 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. sent the sold in dispute letter.
Nov Dec 2015 usual we can't find it letters, hold on account whilst check with original creditor.
27 Jan 2016 letter from Robinson way stating original creditor still not replied, account on hold
oct nov 2016 still getting we can't get hold of cca so on hold letters. Keep looking folks but wasting your time lol!
11 October letter from hoist dca saying mkdp have passed debt over to them as part of some restructuring. Will just ignore.

[the-puppets]

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 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 default notice 12th August 2011, ccj June 2012
ACC OWNER: Lloyds>>>SCM>>>MHA???>>>28/11/11Apex Credit Management Ltd>>>24/12/11 HLLegal&Collections>>07/04/12 SCM>>>30 Aug 2016 Moorcroft

10th June 2011 CCA Request sent
16th June 2011 Letter from SCM Solicitors stating they need to talk to us about our request in more detail and without further contact will continue with action to recover money - ignoring for now
23rd June 2011 Letter from Lloyds - have credited the £1 postal order (for the cca) to our loan account
13 August 2011 Received letter noticing repayments have ceased and cancelling the arrangement MAY now lead to legal action jog on!!! separate letter - default notice - must pay by 30 August or further action MAY be taken jog on again !! no cca !!!
24th August 2011 Received an "immediate payment or contact required" letter from Lloyds, if dont hear will take further steps to recover the money
27th Sept letter from SCM SOLICITORS ...formal demand to pay...if not received in 14 days legal proceedings MAY be issued ..blah blah
30th Sept 2011 Sent the "Final Demand CCA" letter to SCM
12th Oct 2011 received letter from MHA COLLECTIONS thanking us for letter of complaint which they have referred to LLOYDS.guess SCM Solicitors/Lloyds passed us on to this DCA - wait and see what Lloyds do next as no sign of CCA as yet
13th Oct 2011 received from LLOYDS notice of arrears
14th Oct 2011 received statement (shows the £1 for cca they put into the account instead of sending us a cca!)
16th Oct 2011 received from LLOYDs you haven't paid since final demand from SCM solicitors, we will suspend action for 10 days if you contact us now
12th Nov 2011 received from LLOYDS notice of arrears
13th Nov 2011 received from LLOYDS Statement
28th Nov 2011 received from APEX CREDIT MANAGEMENT LTD "our role is to act as an intermediary between you and our client to ensure that the debt is repaid. We profile our clients' accounts carefully using external data sources and believe that you have the ability to make payments on this debt. Please contact...blah blah" ignoring as per Nid's advice
12th Dec 2011 received from APEX disapointed we have failed to reach agreement with them, believe we are "simply avoiding paying" and must act in best interests of their client...belive we have the ability to make payments..consequently account will be passed to their internal litigation team..may include legal action to obtain ccj, charging order, attachment of earnings application.
16 Dec 2011 sent to APEX the threatogram b4 legal action letter
24th Dec 2011 received from HL LEGAL & Collections solicitors in association with SAMPSON & Co - instructed by APEX, unless full payment or valid reason for non-payment in 7 days court proceedings MAY be taken .....we are instructed not to enter into correspondance with you at this stage but refer you to APEX. pass the parcel with these guys!!!
07th Apr 2012 SCM SOLICITORS - instructed by Lloyds..required to pay balance within 7 days to avoid County Court Proceedings still no CCA and we sent the final demand for CCA letter to SCM on 30 Sept 2011 once court proceeding issued will be liable for court fees and solicitors costs....blah blah...our client may be prepared to accept partial payment in full and final or realistic proposals for regular monthly payments. contact us
12th April sending to SCM the threat by creditor - commence litigation letter - thanks I2D
14th April LLOYDS fax copy of CCA - emailing niddy to check - oh no due to dates its ........... so will be adding this one to our DMP we're about to set up.
24th April 2012 LLOYDS Statement
28th April 2012 SCM sent us another copy of CCA stating that Apex had previously sent this info ?? lloyds direct ?? have been instructed to issue county court claim unless they receive payment proposals by 10th May
16th May 2012 LLOYDS NOTICE of missed repayments ..contact to discuss

18th May 2012 DMP Pro-Rata offer letter sent
25th May 2012 SCM - A claim has been issued against you in the CCBC Northampton, if you complete the form of admission attached to the claim and return it to this office with reasonable offer of repayment we will forward to our client for consideration
26th May 2012 CCBC Claim forms arrive - getting advice on what to do next
13th June 2012 CCJ - agreed to pay amount we set in dmp offer
August 2013 received a you may have a ppi claim letter and form...completed and sent off claim...see what happens as we did cancel the ppi at some point, was totally unaware of the fact the policy only covered the first named person in joint loan, and we already had cover as part of our getting a mortgage...fingers crossed!.........some time later we had a nice cheque in the post. In your face Lloyd's !
August 2015 get a message left on answer phone to get in touch ref the ppi complaint. Is this to do with them getting fined again for not sorting them properly or underpaying. Will wait and see what comes in the post. ......yep it was, we had another cheque for a sizable amount, merry Xmas
2016 letters from Lloyd's and moorcroft stating moorcroft now administrating this account.
oct nov 2016 letters from moorcroft wanting us to make contact ref repayment arrangements. ignoring for now as only court can rule change in amounts.
5th Nov 2016 letter fro moorcroft accepting offer and will review in 6 months. didn't make any offer or contact them, just paying what we paid before. See what happens in 6 months lol!

[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.

[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

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

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

[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

[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.

[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

[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

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!).

[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.