the-puppets UE diary

[Never-In-Doubt]

Re: the-predator-puppets UE diary

letter sent..cheers

Don't worry, a lot make threats and yes, with UE ones you are free to start negotiating at any time you feel best. Usually yea, before court! If not, and it's too late then let them get the CCJ and have a judge set the repayment, that way it is fair and also more affordable.

[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 are just making min payment amounts via the DMP)
ACC OWNER: Barclaycard


10th June 2011 CCA Request sent
17th June 2011 Received letter from 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 July Received statement (guess they are still looking for cca!)
20th August 2011 Received statement
25th August 2011 Received repayment reminder (if we fail to pay then will revert back to standard interest rate...they never lowered it!!!)
22nd Sept 2011 Received statement and a second letter staing 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!!)

ignore til they do I guess

[the-puppets]

Re: the-predator-puppets UE diary

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


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 MERCERS - may take action, debt collectors may call round, pay up to prevent this or call and talk about repayments

Th threat-ogram hasn't slowed em up much - do we continue to just ignore

[Deepie]

Re: the-predator-puppets UE diary

ignore til they do I guess

Yes ignore this

[Deepie]

Re: the-predator-puppets UE diary

Th threat-ogram hasn't slowed em up much - do we continue to just ignore

Send this to Mercers > Account Sold whilst in Dispute Well Metro have passed it on

[the-puppets]

Re: the-predator-puppets UE diary

Send this to Mercers > Account Sold whilst in Dispute Well Metro have passed it on

sorry my mistake I meant METROPOLITAN - have ammended in original post

[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 are just making min payment amounts via the DMP)
ACC OWNER: Barclaycard


10th June 2011 CCA Request sent
17th June 2011 Received letter from 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 July Received statement (guess they are still looking for cca!)
20th August 2011 Received statement
25th August 2011 Received repayment reminder (if we fail to pay then will revert back to standard interest rate...they never lowered it!!!)
22nd Sept 2011 Received statement and a second letter staing 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 Sept 2011 Received a "reconstituted" copy cca - terms to follow under seperate cover - emailing to niddy

EMAILED CCA RECON TO NIDDY FOR CHECKING

[the-puppets]

Re: the-predator-puppets UE diary

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


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 ??

Ideas please???

[Deepie]

Re: the-predator-puppets UE diary

sorry my mistake I meant METROPOLITAN - have ammended in original post

Sorry you've lost me a little here

[Deepie]

Re: the-predator-puppets UE diary

Sorry you've lost me a little here

Ignore this you posted same time

[the-puppets]

Re: the-predator-puppets UE diary

Sorry you've lost me a little here

This refers to HSBC Mastercard - i posted that "MERCERS" had sent us a final demand - you advised "sold in dispute" letter - however it should of read "METROPOLITAN" had sent final demand.....sorry if I got you confused.com

[Deepie]

Re: the-predator-puppets UE diary

Ideas please???

Send this with a with a bit at the bottom saying you sent a CCA request on the 10 june > Harassment & Threat of Doorstep-Visit

[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
DMP OR NOT PAY: DMP Last DMP payment was June 2011 - cancelled it to explore the UE route
STATUS: Arrangement to pay default notice 12th August 2011
ACC OWNER: Lloyds


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

Evening all, what do we send these as no cca?

[Deepie]

Re: the-predator-puppets UE diary

Evening all, what do we send these as no cca?

Send them this > CCA Request - Final Demand

[Never-In-Doubt]

Re: the-predator-puppets UE diary

Cheers I2D - good support so far.....