the-puppets UE diary

[the-puppets]

Re: the-predator-puppets UE diary

Sending the "Missing Prescribed Terms" as advised by Niddy

[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 - passed to IDEM 5/12/11

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
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?? (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)

updated

EMAILING CCA RECON TO NIDDY

[the-puppets]

Re: the-predator-puppets UE diary

Mint ..card

I Would send this now to Wescot.....> Account Sold whilst in Dispute

Will do - thanks

[Deepie]

Re: the-predator-puppets UE diary

updated

Mint ..card

I Would send this now to Wescot.....> Account Sold whilst in Dispute

[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 DEFAULT NOTICE 18/01/12
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 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

updated - now what to spend the £50 quid on??? unsecured loan arrears ..maybe not!

[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 - 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

updated

[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)


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

updated

[Never-In-Doubt]

Re: the-predator-puppets UE diary

lol, guess you can continue to erm, ignore then....

[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 - RESOLVECALL started writing to us 24/11/11, CALDER mentioned in statement 23/01/12)


10th Jun 2011 CCA Request sent
17th Jun 2011 Barclaycard acknowledged receipt of cca request - are dealing with it and will respond asap (not sure why but they sent 3 copies of same letter!!!!)
22nd Jul Statement (guess they are still looking for cca!)
20th Aug 2011 Statement
25th Aug 2011 Repayment reminder (if we fail to pay then will revert back to standard interest rate...they never lowered it!!!)
22nd Sep 2011Statement 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

updated - should they of written to us about Calders rather than a tiny message on side of statement? will be ignoring in any case!

[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 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..."

UPDATED ...ignoring

[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 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...

Updated and now ignoring . We're getting pretty good at that..maybe we should vote it in as an Olympic Sport ?

[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 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.

updated - ignoring

[Never-In-Doubt]

Re: the-predator-puppets UE diary

^^^^^^ yep just ignore

[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 - RESOLVECALL started writing to us 24/11/11)


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 2011Statement 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)

more ignoring here

[Never-In-Doubt]

Re: the-predator-puppets UE diary

All the updates above, for now, do nothing - see what they come back with next.