Jaci's UE Diary

[garlok]

Re: Jaci's UE Diary

BC and their cohorts of associated hangers-on are a complete joke!!

Take no notice of anything to do with Mercers, they are part of Barclaycard, are a dormant company and as such are not allowed to carry on any commercial activity whatsoever. Their major use to us as consumers is their issuing of defective default notices which prevent the next desk in the slime pit (Calders) from terminating. By the way always keep those envelopes with the relevant piece of correspondence. May well be useful later.

regards
Garlok

[jaci]

Re: Jaci's UE Diary

OH'S ACCOUNT

RBS Cards (Mint)
Credit Card
Start Date 11-03-2004
Current Balance £1847
Status Defaulted


Mint Credit Card
06/06/2011 - CCA Request Sent
04/07/2011 - Have received a very confusing letter, my cheque back, a copy of signed application form, 4 pages titled 'Credit Agreement regulated by the Consumer Credit Act 1974', Another 16 pages with the same title, A copy of a letter sent with a replacement card with another CCA, and finally a copy of the latest statement. Oh and a leaflet entitled 'Your Copy of the General Conditions'. Does someone need to see all this???[/COLOR]
07/07/2001 - Emailed Niddy
08/07/2011 - Niddy says ... You can cease repayments and respond with this: CCA Query - Missing Prescribed Terms ... will get this in the post
13/07/2011 Posted letter as above
14/07/2011 - received a letter from Mint asking for payment within 14 days else they shall send the account to a debt collection agent - asks OH to call to 'discuss a repayment programme' - letters crossed in post so ignoring
03/08/2011 - Received statement
03/08/2011 - Received letter saying what they sent was good enough, they see no reason to enter into further correspondence with us about alleged CCA breaches, they dont consider account to be in dispute and will continue to persue for full payment. Ignoring.
19/09/2011 - Letter from Wescot, Pay up within 10 days or else ....

Guessing I ignore?

[jaci]

Re: Jaci's UE Diary

JOINT LOAN

Halifax Plc
Loan
Start Date 23-04-2008
Current Balance £8677
Status Defaulted March 2010


Halifax Loan
06/06/2011 - CCA Request sent
08/07/2011 - CCA Received Emailed Niddy - Niddy says
Ignoring for time being - waiting for them to get in touch with me
13/08/2011 - Received letter from Iqor - Your account has been passed to us from Capital Bank with instruction to recover debt in full, still ignoring for now
19/09/2011 - Letter from Geoffrey Parker Bourne Solicitors, pay up or legal action is likely,

Updated - Should I start paying something towards this now?

[Never-In-Doubt]

Re: Jaci's UE Diary

JOINT LOAN

Halifax Plc
Loan
Start Date 23-04-2008
Current Balance £8677
Status Defaulted March 2010


Halifax Loan
06/06/2011 - CCA Request sent
08/07/2011 - CCA Received Emailed Niddy - Niddy says
Ignoring for time being - waiting for them to get in touch with me
13/08/2011 - Received letter from Iqor - Your account has been passed to us from Capital Bank with instruction to recover debt in full, still ignoring for now
19/09/2011 - Letter from Geoffrey Parker Bourne Solicitors, pay up or legal action is likely,

Updated - Should I start paying something towards this now?

Hmmm, I would start by sending this - see what they say: Threat by Creditor - To Commence Litigation

[jaci]

Re: Jaci's UE Diary

Hmmm, I would start by sending this - see what they say: Threat by Creditor - To Commence Litigation

Event though it is enforceable? Send it to the solicitors, yeah?

[Never-In-Doubt]

Re: Jaci's UE Diary

Event though it is enforceable? Send it to the solicitors, yeah?

Yes send it to the part timers, GPB are NOT solicitors in the traditional sense - muppetry is more what they're skilled in.

[jaci]

Re: Jaci's UE Diary

Yes send it to the part timers.

Ok, Thanks again.

[jaci]

Re: Jaci's UE Diary

Guessing I ignore?

Should I do anything about this one?

[Deepie]

Re: Jaci's UE Diary

Should I do anything about this one?

Sorry bit more info please

[jaci]

Re: Jaci's UE Diary

OH'S ACCOUNT

RBS Cards (Mint)
Credit Card
Start Date 11-03-2004
Current Balance £1847
Status Defaulted


Mint Credit Card
06/06/2011 - CCA Request Sent
04/07/2011 - Have received a very confusing letter, my cheque back, a copy of signed application form, 4 pages titled 'Credit Agreement regulated by the Consumer Credit Act 1974', Another 16 pages with the same title, A copy of a letter sent with a replacement card with another CCA, and finally a copy of the latest statement. Oh and a leaflet entitled 'Your Copy of the General Conditions'. Does someone need to see all this???[/COLOR]
07/07/2001 - Emailed Niddy
08/07/2011 - Niddy says ... You can cease repayments and respond with this: CCA Query - Missing Prescribed Terms ... will get this in the post
13/07/2011 Posted letter as above
14/07/2011 - received a letter from Mint asking for payment within 14 days else they shall send the account to a debt collection agent - asks OH to call to 'discuss a repayment programme' - letters crossed in post so ignoring
03/08/2011 - Received statement
03/08/2011 - Received letter saying what they sent was good enough, they see no reason to enter into further correspondence with us about alleged CCA breaches, they dont consider account to be in dispute and will continue to persue for full payment. Ignoring.
19/09/2011 - Letter from Wescot, Pay up within 10 days or else ....

Sorry, this one , shall I continue to ignore?

[Deepie]

Re: Jaci's UE Diary

Sorry, this one , shall I continue to ignore?

Send Westcot this > Account Sold whilst in Dispute

[jaci]

Re: Jaci's UE Diary

JOINT LOAN

Halifax Plc
Loan
Start Date 23-04-2008
Current Balance £8677
Status Defaulted March 2010


Halifax Loan
06/06/2011 - CCA Request sent
08/07/2011 - CCA Received Emailed Niddy - Niddy says
Ignoring for time being - waiting for them to get in touch with me
13/08/2011 - Received letter from Iqor - Your account has been passed to us from Capital Bank with instruction to recover debt in full, still ignoring for now
19/09/2011 - Letter from Geoffrey Parker Bourne Solicitors, pay up or legal action is likely, replied with Threat to Commence Litigation
29/09/2011 - Letter from Geoffrey Parker Bourne Solicitiors, Pay up within 7 days or we may commence legal action

Updated, shall I do anything with this (as in sort out any payments)? This one's kinda worrying me what with it being enforceable and all that

[Deepie]

Re: Jaci's UE Diary

Updated, shall I do anything with this (as in sort out any payments)? This one's kinda worrying me what with it being enforceable and all that

I Would ignore a wee bit longer

[jaci]

Re: Jaci's UE Diary

MY ACCOUNT

Barclaycard Centre
Credit Card
Start Date 22-10-2007
Current Balance £1511
Status - Arrangement to pay


Barclaycard Visa Credit Card
06/06/2011 - CCA Request Sent
08/08/2011 - Received letter which says 'I enclose a reconstituted copy of your credit agreement. A copy of the terms of your credit agreement as varied in accordance with section 82 (1) of the act has been (or will shortly be) sent to you under separate cover.' Also in the same envelope a couple of pages of conditions. Not had anything else from them yet. Anyone want to see this? (No, so waiting for them to send the agreement)
09/08/2011 - Letter from Mercers, Default Notice has been served, pay up or else!
10/08/2011 - Received usual statement
11/08/2011 - Received letter saying 'Enclosed with this letter is a copy of your Barclaycard Terms and Conditions. Sending CCA Query - Terms & Conditions Received
09/09/2011 - Received statement as usual
15/09/2011 - Letter from Resolvecall, acting on behalf of Mercers asking me to contact Mercers - Ignoring for now
03/10/2011 - Just had a visit from Resolvecall, basically told him I wasn't paying and to go away!!

Updated

Can't believe how calm I kept, conversation went like ...
'How come you not paying?'
'Account's in dispute, have been writing to them'
'OK, can I have a phone number?
'No'
'Well how can we contact you'
'Write to me, you obviously know where I live'
'But we're concerned no-one receiving your letters, you might not be sending them to the right place'
'I am - It's not my problem that they can't deal with things'
'Which Company you using for this?'
'I'm not'

And that was basically it, can't believe how calm I was though, at the very beginning of DMP someone came round for Capital One and I was a jibbering wreck afterwards!!

Anyway, shall I do anything about this? To stop them becoming regular visitors?

[Deepie]

Re: Jaci's UE Diary

Updated

Can't believe how calm I kept, conversation went like ...
'How come you not paying?'
'Account's in dispute, have been writing to them'
'OK, can I have a phone number?
'No'
'Well how can we contact you'
'Write to me, you obviously know where I live'
'But we're concerned no-one receiving your letters, you might not be sending them to the right place'
'I am - It's not my problem that they can't deal with things'
'Which Company you using for this?'
'I'm not'

And that was basically it, can't believe how calm I was though, at the very beginning of DMP someone came round for Capital One and I was a jibbering wreck afterwards!!

Anyway, shall I do anything about this? To stop them becoming regular visitors?

Well done you... They will not call again