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?

[Deepie]

Re: Jaci's UE Diary

Updated this one as well

Just ignore for now

[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'

Updated this one as well

[Deepie]

Re: Jaci's UE Diary

They have called once you know what to do if they call again..........Just ignore that letter for now

[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'

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'

Updated

[Deepie]

Re: Jaci's UE Diary

Just ignore all three for now

[jaci]

Re: Jaci's UE Diary

MY ACCOUNT


MBNA Bank
Loan
Start Date 27-05-2006
Current Balance £1915
Status - Arrangement to pay


MBNA LOAN
06/06/2011 - CCA Request Sent
13/07/2011 - CCA Received, emailed Niddy
16/07/2011 - Niddy says , sent this to buy time : CCA Query - Missing Prescribed Terms
10/10/2011 - Received Statement

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.

Updated.

Favorite part of the letter is ... 'This debt will not be forgotten, no matter how much you may like that to happen'

[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. 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'

Updated

[Never-In-Doubt]

Re: Jaci's UE Diary

Yea would have liked to rip into them. Oh well always next time with different person

[jaci]

Re: Jaci's UE Diary

Ahh ok so not much we can do about the visit then. Oh well; sorry, just a thought.

You sound disappointed

Enjoy your hols, you deserve it

[Never-In-Doubt]

Re: Jaci's UE Diary

Ahh ok so not much we can do about the visit then. Oh well; sorry, just a thought.

[jaci]

Re: Jaci's UE Diary

I so want to do a custom letter to Resolve and charge them for your time and also threaten them with legal action, however it really isn't worth it (cos they simply don't listen) however if they write again or visit let me know then I'll stop it dead for you....

I hate them, resolvecall should be put out of business. can you now confirm, was the person;

• wearing bright coloured t-shirt advertising his company and/or in an identifiable car/van?
• rude and/or cheeky in anyway toward you
• threatening/intimidating toward you?

Well done by the way, it's easy when you know they have no rights but still, they cannot just turn up at your door like that - idiots!

Thanks, am on quite a high today now!!
* he was wearing black t-shirt with resolvecall logo on - but I didn't see what he was driving
* No, he was quite polite actually
* No, not threatening or intimidating either.

[Never-In-Doubt]

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?

I so want to do a custom letter to Resolve and charge them for your time and also threaten them with legal action, however it really isn't worth it (cos they simply don't listen) however if they write again or visit let me know then I'll stop it dead for you....

I hate them, resolvecall should be put out of business. can you now confirm, was the person;

• wearing bright coloured t-shirt advertising his company and/or in an identifiable car/van?
• rude and/or cheeky in anyway toward you
• threatening/intimidating toward you?

Well done by the way, it's easy when you know they have no rights but still, they cannot just turn up at your door like that - idiots!