the-puppets UE diary

[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


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.

Account in dispute letter...again?

[Deepie]

Re: the-predator-puppets UE diary

Account in dispute letter...again?

Ignore until they write again...... stamps are going up

[the-puppets]

Re: the-predator-puppets UE diary

Good idea forgot about stamps

[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)



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!

updated

[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
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..about ready to go with DMP just got to finalise details etc

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)...NELSON GUEST SOLICITORS (09/03/12)...Credit Security Limited 29/3/12


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

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 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

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


April 2012 about ready to go with DMP just got to finalise details etc

updated

[the-puppets]

Re: the-predator-puppets UE diary

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 DMP to sort those.

Will update any significant progress as and when.

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-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


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!!!

updated

[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
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

April 2012 about ready to go with DMP just got to finalise details etc

updated - they can wait a little longer whilst we set up dmp - taken em nearly a year to send us the cca so why should we rush!!!:niddy

[Deepie]

Re: the-predator-puppets UE diary

updated - they can wait a little longer whilst we set up dmp - taken em nearly a year to send us the cca so why should we rush!!!:niddy

Just see what they send next......I Would blag a bit more

[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)



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

updated TPP

[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
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 -

April 2012 about ready to go with DMP just got to finalise details etc

Considering going to the ombudsman with this as they keep taking the p***!! by using the money we send in to pay off both mortgage and loan - guess this will show up as arrears again!!!

[Never-In-Doubt]

Re: the-predator-puppets UE diary

Update - 26 May 2012
All recent Lloyds (Join Loan) posts moved to new thread within legal section

---> allaboutFORUMS | Predator Puppets v Lloyds/SCM

Thanks

Niddy :niddy

[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
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!!

updated