the-puppets UE diary

[Deepie]

Re: the-predator-puppets UE diary

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

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

[Deepie]

Re: the-predator-puppets UE diary

ignore til they do I guess

Yes ignore this

[the-puppets]

Re: the-predator-puppets UE diary

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


10th June 2011 CCA Request sent
12th July 2011 received copy of CCA, Repayment Protection & Card Guard signed application, T&C , Important Changes to CCA, 2 statements sending CCA docs to Niddy to check - poor copies from HSBC - Niddy says enforceable
13th July Blagging it whilst waiting for others to catch up - sent the CCA Query - Missing Prescribed Terms letter
20th July 2011 received letter stating they believe their established practices meet all statutory and regulatory requirements...blah blah..will defend vigorously...enclosed name and address if we wish to elect to bring any proceedings - ignoring till they pass to dca who we can do a better f&f deal with
22nd July 2011 received statement
20th August 2011 received statement AND letter stating they have passed account to Metropolitan Collection Services
02 Sept 2011 received URGENT COMMUNICATION DO NOT IGNORE from Metropolitan, asking for us to confirm when full repayment will be made...failure to make full payment within 7 days MAY result in legal proceedings
10 Sept 2011 received letter from METROPOLITAN urgent communication do not ignore ..If we dont contact them they intend to instruct solicitors to issue legal proceedings and apply for an attachment of earnings - which may be sent to employer by the court to take money from wages to pay the debt.
11 Sept 2011 Sent the threat-o-gram before legal proceedings letter - as advised by in2deep
21 Sept 2011 Final Demand from MERCERS - may take action, debt collectors may call round, pay up to prevent this or call and talk about repayments

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

[the-puppets]

Re: the-predator-puppets UE diary

BARCLAYCARD (Other-half's credit card)

TYPE OF ACCOUNT : CC
DATE COMMENCED: 02/94
APPROX BALANCE: £10,000
DATE LAST PAID:May 2010 usual amount, tokens til Dec 2010, then DMP from Dec 2010 to June 2011 last paid
DMP OR NOT PAY: DMP Last DMP payment was June 2011 - cancelled it to explore the UE route
STATUS: Up to date (we are just making min payment amounts via the DMP)
ACC OWNER: Barclaycard


10th June 2011 CCA Request sent
17th June 2011 Received letter from Barclaycard acknowledged receipt of cca request - are dealing with it and will respond asap (not sure why but they sent 3 copies of same letter!!!!)
22nd July Received statement (guess they are still looking for cca!)
20th August 2011 Received statement
25th August 2011 Received repayment reminder (if we fail to pay then will revert back to standard interest rate...they never lowered it!!!)
22nd Sept 2011 Received statement and a second letter staing repayment plan cancelled, pay up or account will pass to MERCERS who will be instructed to issue a default notice (go on then, still no cca!!)

ignore til they do I guess

[Never-In-Doubt]

Re: the-predator-puppets UE diary

letter sent..cheers

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

[the-puppets]

Re: the-predator-puppets UE diary

letter sent..cheers

[Deepie]

Re: the-predator-puppets UE diary

Are they trying to scare me?? do I ignore some more. Not sure how to play these ones that are enforceable whilst waiting to find out about others - when do we approach them to set up a dmp - guessing at the last possible minute before court action

Send them this you never know > Threat by Creditor - Threat-o-Gram Letter Before Action

[the-puppets]

Re: the-predator-puppets UE diary

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


10th June 2011 CCA Request sent
12th July 2011 received copy of CCA, Repayment Protection & Card Guard signed application, T&C , Important Changes to CCA, 2 statements sending CCA docs to Niddy to check - poor copies from HSBC - Niddy says enforceable
13th July Blagging it whilst waiting for others to catch up - sent the CCA Query - Missing Prescribed Terms letter
20th July 2011 received letter stating they believe their established practices meet all statutory and regulatory requirements...blah blah..will defend vigorously...enclosed name and address if we wish to elect to bring any proceedings - ignoring till they pass to dca who we can do a better f&f deal with
22nd July 2011 received statement
20th August 2011 received statement AND letter stating they have passed account to Metropolitan Collection Services
02 Sept 2011 received URGENT COMMUNICATION DO NOT IGNORE from Metropolitan, asking for us to confirm when full repayment will be made...failure to make full payment within 7 days MAY result in legal proceedings
10 Sept 2011 received letter from METROPOLITAN urgent communication do not ignore ..If we dont contact them they intend to instruct solicitors to issue legal proceedings and apply for an attachment of earnings - which may be sent to employer by the court to take money from wages to pay the debt.

Are they trying to scare me?? do I ignore some more. Not sure how to play these ones that are enforceable whilst waiting to find out about others - when do we approach them to set up a dmp - guessing at the last possible minute before court action

[MrsD]

Re: the-predator-puppets UE diary

no wonder they nearly went bust, as I said complete muppets

[the-puppets]

Re: the-predator-puppets UE diary

and on final look b4 bed because its bugging me : the £146 loan payment must be the £146 shortfall on mortgage and the following £150 on the loan, rather than £197 was because we had gone on DMP with cccs and thats what we were paying pro-rata...........
therefore we are not in arrears and they can go run and jump..thank you and goodnight

TPP, maybe I should of got a "B" for maths !!! lol

[the-puppets]

Re: the-predator-puppets UE diary

sorry i put 1st april 2011- now edited to 1st dec 2010 - if we were in arrears then, why wait 9 months to tell us we have arrears on that one lonely old month???? having looked at it all again we also appear to have paid an extra £100 over what we should of for the unsecured loan that month (dec 2010) - i wonder - did they pull another fast one with the direct debit...now totally confused...lets start again:

todays letter claims arrears for mortgage - shows we should of paid £570, they received £424 (not our fault it was a direct debit and letter preceeding it stated automatic change to interest only payment)...£146 SHORT

todays letter only shows unsecured loan payments from february 2011 (not dec 2010) - WHAT ARE THEY HIDING.......Had a look and statement shows they took £424 mortgage (obviously lower than it should of been - hence letter today shows arrears) BUT unsecured loan payment which should of been £197 is on the statement as 2 payments of £146 and £150 both taken in december 1st and 15th = the £297 (the extra £100 we seem to have overpaid)

so my maths thinks they messed up mortgage direct debit, took extra out on loan, we are about £40 in arrears and still its there fault....

Oh my god, my brain hurts....i only got a "C" for maths but not gonna let them get away with it!!!!!!!

[MrsD]

Re: the-predator-puppets UE diary

new heights of muppetry, I guess you need to phone them again and ask them what the hell they are doing, they are dumplings and seem to be incapable of doing anything right, handy if you could record the call. Normally I wouldn't say phone them, but this is your mortgage and you need to get that sorted

[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.

This is interesting - i checked back through letters and statements and we had a letter confirming we were moving to interest-only on the mortgage effective from 1st Dec 2010 and as we paid by direct debit they would alter payments - yet the statement and this recent letter show a smaller payment being made on this month only which they are now claiming puts us in arrears on the mortgage. The rest of the mortgage payments are correct. Any ideas ?

TPP

[Never-In-Doubt]

Re: the-predator-puppets UE diary

Just see what they send next on this one

Yep - agreed

Just sit tight and let us know whet they decide to send next!

[Deepie]

Re: the-predator-puppets UE diary

what do we do with this one as its enforceable and now passed to the DCA....or need I ask?

Just see what they send next on this one