the-puppets UE diary

[samsmum]

Re: the-predator-puppets UE diary

Wouldn't let us extend. Did I&E when we still on a dmp and they said we had to just make token payments as mortgage comes first. Guess they were right and that's what lead us to this site. The rest is history as they say. Good luck tho

[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 (MERCERS started writing to us 20/10/11)


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
28th Sept 2011 Niddy says....
29th Sept 2011 Received terms/conditions
30th Sept sent the"You sent Terms/Conditions" not a CCA letter
05th Oct 2010 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 October 2011 MERCERS sent us a default notice

here we go.....

[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
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

ignore??

[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)


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

investigate-away

[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
DMP OR NOT PAY: DMP Last DMP payment was June 2011 - cancelled it to explore the UE route
STATUS: Up to date *note on credit report stating account being settled via DMP
ACC OWNER: Northern Rock


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 August 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 August 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 August letter from Bank stating they are dealing with our complaint set up the DD
20th August 2011 received cheque for payment they shouldn't have taken result!!
25th August 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 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 Sept 2011 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

updated

[Never-In-Doubt]

Re: the-predator-puppets UE diary

Good result with NR

[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)


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 (bright yellow envelope - how lovely!!) - 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

updated - ignore or is there another letter to send to them??

[swanfan]

Re: the-predator-puppets UE diary

updated - ignore or is there another letter to send to them??

Send this--> Unenforceability Templates - Section 5

[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
DMP OR NOT PAYMP Last DMP payment was June 2011 - cancelled it to explore the UE route
STATUS: Default 7/12/10
ACC OWNER: MINT

10th June 2011 CCA Request sent
16th June 2011 MINT requesting written and signed instruction in order to respond further + returned letter + postal order
17th June 2011 Resent cca request + po+ letter re digital signatures
25th June 2011 MINT stating to meet Data Protection Act 1998 they must verify identity in order to respond
28th June 2011 Resent cca request +po+ 2nd letter stating signature not required - can provide other docs for data protection
2nd July 2011 MINT acknowledging complaint - they are "looking into it"
7th 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??

UPdated....any one heard of IDEM? Do we send the account sold whilst in dispute letter now?

[Pixie]

Re: the-predator-puppets UE diary

I've not heard of them but it seems they're part of the Paragon Group

I think I'd wait until they contact you again.

[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


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

Updated

Do we send these the sold whilst in dispute letter?

[garlok]

Re: the-predator-puppets UE diary

Hi TPP,

You could ignore Wescot but as Niddy has declared UE on this you could consider this:-

>allaboutFORUMS - View Single Post - bobogosing's UE diary

They are a new kiddy on the block for you and it seems doubtful it actually it has been sold although the letter you suggest normally works well. It seems you have received no formal Notice of Assignment from either party (Wescot or RBS?)

I know what I feel like telling Wescot to do straight away but they do go away if you stand up to them and Nelson Guest their "letterheads for rent" solicitors.

regards
Garlok

[the-puppets]

Re: the-predator-puppets UE diary

UPdated....any one heard of IDEM? Do we send the account sold whilst in dispute letter now?

Thanks Pixie - will wait and see on this one, TPP

[the-puppets]

Re: the-predator-puppets UE diary

Hi TPP,

You could ignore Wescot but as Niddy has declared UE on this you could consider this:-

>allaboutFORUMS - View Single Post - bobogosing's UE diary

They are a new kiddy on the block for you and it seems doubtful it actually it has been sold although the letter you suggest normally works well. It seems you have received no formal Notice of Assignment from either party (Wescot or RBS?)

I know what I feel like telling Wescot to do straight away but they do go away if you stand up to them and Nelson Guest their "letterheads for rent" solicitors.

regards
Garlok

Thanks Garlok - will follow suit and send the Final Response UE (CCA) Received letter to Wescot and see what happens next..will also keep an eye on Bobo's Diary now too. Cheers TPP

[the-puppets]

Re: the-predator-puppets UE diary

[QUOTE=the-predator-puppets;77038]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 (MERCERS started writing to us 20/10/11)


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
28th Sept 2011 Niddy says....
29th Sept 2011 Received terms/conditions
30th Sept sent the"You sent Terms/Conditions" not a CCA letter
05th Oct 2010 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 October 2011 MERCERS sent us a default notice
22nd October 2011 Received Statement (still adding interest and charges)
21st November 2011 Received Statement (still adding interest and charges)
22nd November 2011 MERCERS - passing account to local debt collector who may call at our home

is it now time for the threat to visit being illegal letter for these plebs next ?