Jaci's UE Diary

[jaci]

Re: Jaci's UE Diary

MY ACCOUNT


Barclaycard Centre
Credit Card
Start Date 16-10-2003
Current Balance £1041
Status - Arrangement to pay

Barclaycard Mastercard Credit Card
06/06/2011 - CCA Request sent
05/07/2011 - Have received a letter which says 'We are currently unable to provide a copy of your Credit Agreement. We accept that we are therefore prevented from enforcing our agreement with you while this state of affairs continues' Then goes on to say I should still pay or they'll report me to Credit Reference Agencies and such. Anyone want to see this?
08/07/2011 - In2Deep and Niddy both confirmed as
11/08/2011 - Letter from Mercers, Default notice served, pay up or else!
13/08/2011 - Received usual statement
17/10/2011 - Received usual Statement

Ignore?

[garlok]

Re: Jaci's UE Diary

Yes ignore for now

Garlok

[oscar]

Re: Jaci's UE Diary

Will have to dig it out, but I have recieved the same letter from Wescot regards a Natwest disputed account.

[jaci]

Re: Jaci's UE Diary

Been away for a few days, and returned to some post ...

[jaci]

Re: Jaci's UE Diary

OH'S ACCOUNT

BoS Card Services
Credit Card
Start Date 19-10-2004
Current Balance £658.13
Status Defaulted


Bank Of Scotland Credit Card - Currently with Blair Oliver Scott
06/06/2011 - CCA Request sent
04/07/2011 - Received letter back with copy of application form and 2 copies of agreements. Does this all need to be seen?
08/07/2011 - Emailed Niddy
13/07/2011 - Niddy says , replying with CCA Query - Application Form Received
26/06/2011 - Received letter back saying ... is enforceable, pay up, complain to ombudsman if still not happy. In2Deep says ignore.
19/08/2011 - Received Letter from Moorcroft Debt Recovery, installment offer £40 per month, contact us. Still ignoring.
02/09/2011 - Received letter from Midas Credit Services, 'Litigation Warning' Contact us . Sent this ... Account Sold whilst in Dispute
05/11/2011 - Received usual statement (first in ages)

Updated

[jaci]

Re: Jaci's UE Diary

OH'S ACCOUNT

BoS Card Services
Credit Card
Start Date 19-10-2004
Current Balance £658.13
Status Defaulted


Bank Of Scotland Credit Card - Currently with Blair Oliver Scott
06/06/2011 - CCA Request sent
04/07/2011 - Received letter back with copy of application form and 2 copies of agreements. Does this all need to be seen?
08/07/2011 - Emailed Niddy
13/07/2011 - Niddy says , replying with CCA Query - Application Form Received
26/06/2011 - Received letter back saying ... is enforceable, pay up, complain to ombudsman if still not happy. In2Deep says ignore.
19/08/2011 - Received Letter from Moorcroft Debt Recovery, installment offer £40 per month, contact us. Still ignoring.
02/09/2011 - Received letter from Midas Credit Services, 'Litigation Warning' Contact us . Sent this ... Account Sold whilst in Dispute
05/11/2011 - Received usual statement (first in ages)
05/11/2011 - Letter from Moorcroft, 'Discount Offer' contact us within 14 days for a substantial discount

Updated, Guessing I ignore ?!

[swanfan]

Re: Jaci's UE Diary

Updated, Guessing I ignore ?!

Yep ignore.

[jaci]

Re: Jaci's UE Diary

Also I've had a card shoved through the door from 'Power to Contact' telling me I need to call Wayne about one of my accounts, no idea which account as 'Wayne' choose not to fill in the gaps on his little card. Guess I won't be calling him either!

[jaci]

Re: Jaci's UE Diary

And, while I'm here, I keep getting missed calls on my mobile from Robinson Way, asking me to contact them ('erm, no'). But it's bugging me how they've got my number. The only thing I think they could be ringing about is the Lloyds Account, and they didn't have the number ,

Anyhow, doesn't matter because I'm not answering

[Deepie]

Re: Jaci's UE Diary

Also I've had a card shoved through the door from 'Power to Contact' telling me I need to call Wayne about one of my accounts, no idea which account as 'Wayne' choose not to fill in the gaps on his little card. Guess I won't be calling him either!

Wayne will probably ring you in the next few day's is it a Barclaycard ? just tell Wayne not to call again & the dispute is nothing to do with YOU......

[jaci]

Re: Jaci's UE Diary

Wayne will probably ring you in the next few day's is it a Barclaycard ? just tell Wayne not to call again & the dispute is nothing to do with YOU......

Quite possible it's Barclaycard, Shall look forward to his visit

[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!!, Niddy says carry on ignoring, they won't come back in a hurry!
13/10/2011 - Received from Mercers - '48 Hour Notice' 'We will now pass your account to a debt collections firm in your area and a local representative may call at you address to obtain payment', ignoring
10/11/2011 - Statement received

Updated

[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 .... Sent this - Account Sold whilst in Dispute
13/10/2011 - Letter from Wescott, 'Our client advised us they have sent you all the documentation they are legally obliged to. We believe dispute has been resolved, so pay up. Contact us within 14 days if you think you still have a valid dispute or we'll pass onto collections'. Ignoring
10/11/2011 - Letter from Wescott - you're going to get a Door Stop Collection Visit.

Updated

[Never-In-Doubt]

Re: Jaci's UE Diary

Updated

Ignore!

[Never-In-Doubt]

Re: Jaci's UE Diary

Updated

Send this ---> Harassment & Threat of Doorstep-Visit