Jaci's UE Diary

[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
12/12/2011 - Letter from Capquest, contact us before 21/12 or we're moving your account on to litigation

Updated

[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, ignoring.
11/11/2011 - Letter from Calder Financial - pay up within 7 days or else - Ignoring
12/12/2011 - Usual statement received from Barclaycard

Updated

[jaci]

Re: Jaci's UE Diary

MY ACCOUNT


LLoyds TSB
Credit Card
Start Date 24-10-2001
Current Balance £1021 (Approx)
Status - In Arrears


Lloyds TSB Credit Card - Currently with Westcott Credit Services
06/06/2011 - CCA Request Sent
05/07/2011 - Received my letter back, complete with cheque (and even the envelope I sent it in!!) with a compliments slip attached saying 'cheque needs to be payable to Lloyds TSB - please re-write the cheque and return with your request. Ok to do this I assume?
13/07/2011 - Sending request back to them with cheque payable to Lloyds TSB
14/07/2011 - received letter fromSCM Solicitors asking me to pay full balance with 7 days to avoid court proceedings, call within 7 days to come to an 'amicable agreement'
16/07/2011 - Sent letter to SCM Solicitors saying account is in dispute, dealing with it
23/07/2011 - Received letter back from Wescot saying ' Instructions have been received from our client to withdraw the account and therefore, you should receive no further contact from Wescot in relation to this matter' also received back my £1 cheque.
In2deep says ignore
10/10/2011 - Received letter from Robinson Way Limited, 'Formal Demand for Payment'. Pay it all. Now. Or we might tell our client to take you to court - ignoring for now
11/11/2011 - Statement received - Ignoring
15/11/2011 - Letter from Robinson Way, 'Immediate Action Required .... Pay up now
17/11/2011 - Sent Account Sold whilst in Dispute
12/12/2011 - Letter from Robinson Way, 'We have noted your dispute/query ... we're making enquiries ...stopping collection activity for time being.

Updated

[Never-In-Doubt]

Re: Jaci's UE Diary

Updated

Under £750 - let em go legal

Send this back:---> Unenforceability Templates - Section 5

[Never-In-Doubt]

Re: Jaci's UE Diary

Updated

Just ignore

[Never-In-Doubt]

Re: Jaci's UE Diary

Updated

See what they come back with

[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, ignoring
12/11/2011 - Received usual statement.
16/11/2011 - Letter from Calder Financial 'Pay within 7 days'
17/11/2011 - Sent - CCA Query - Letter Previously Confirming No CCA
14/12/2011 - Usual statement received

Updated - account is seriously overdue blahblahblah ....

[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, ignoring.
11/11/2011 - Letter from Calder Financial - pay up within 7 days or else - Ignoring
12/12/2011 - Usual statement received from Barclaycard, continuing to ignore
15/12/2011 - Letter from Calder Financial - 'Notice of intention to sell your debt' Account is being returned to Barclaycard who intend to sell this debt

Updated

[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, ignoring
12/11/2011 - Received usual statement.
16/11/2011 - Letter from Calder Financial 'Pay within 7 days'
17/11/2011 - Sent - CCA Query - Letter Previously Confirming No CCA
14/12/2011 - Usual statement received
15/12/2011 - Letter from Calder Financial - 'Notice of intention to sell your debt' Account is being returned to Barclaycard who intend to sell this debt

Updated

[MrsD]

Re: Jaci's UE Diary

goody, now they should pack in adding on any ridiculous charges/interest

just ignore and see what happens next!!

[jaci]

Re: Jaci's UE Diary

Seems as though Calder have grown bored of me

[MrsD]

Re: Jaci's UE Diary

I bored them as well, welcome to the club!!

[jaci]

Re: Jaci's UE Diary

JOINT LOAN

Halifax Plc
Loan
Start Date 23-04-2008
Current Balance £7694.81
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. Replied with ' Threat by Creditor - Threat-o-Gram Letter Before Action '
10/10/2011 - Received letter from GPB Solicitors 'We have referred this matter to our client for instruction and we will contact you shortly'. Ignoring for now
07/11/2011 - Received usual statement, ignoring
07/12/2011 - letter from Robinson Way, 'Formal demand for payment'. Ignoring for now
16/12/2011 - Letter frm Robinson Way, 'Immediate action required, please call us now'

Updated

[Never-In-Doubt]

Re: Jaci's UE Diary

Updated

I suggest you do not call them - ever!

Just ignore this for now... see what they send next yea?

[jaci]

Re: Jaci's UE Diary

JOINT LOAN

Halifax Plc
Loan
Start Date 23-04-2008
Current Balance £7694.81
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. Replied with ' Threat by Creditor - Threat-o-Gram Letter Before Action '
10/10/2011 - Received letter from GPB Solicitors 'We have referred this matter to our client for instruction and we will contact you shortly'. Ignoring for now
07/11/2011 - Received usual statement, ignoring
07/12/2011 - letter from Robinson Way, 'Formal demand for payment'. Ignoring for now
16/12/2011 - Letter frm Robinson Way, 'Immediate action required, please call us now'
04/01/2012 - Letter from Robinson Way, 'Immediate action required - Call us now'

Updated