Jaci's UE Diary

[jaci]

Re: Jaci's UE Diary

MY ACCOUNT


Natwest
Credit Card
Start Date 22-08-2007
Current Balance £2778 (Approx)
Status - Defaulted Jan 2010

Natwest Credit Card
06/06/2011 - CCA Request sent
13/07/2011 - CCA Received, emailed Niddy
16/07/2011 - Niddy says , replying with CCA Query - Missing Prescribed Terms to buy a little time
03/08/2011 - Received statement
08/08/2011 - Letter saying 'It is enforceable', ignoring for now.
02/09/2011 - Statement received
02/09/2011 - Letter received, If you don't pay up in 14 days we're sending account to a debt collecting agency, Ignoring for now
08/12/2011 - Final notice received from Westcot, pay in 10 days or else. Ignoring for now
04/01/2012 - Letter from Nelson Guest & Partners 'An Offer to reduce the amount payable on your debt, call us now'

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, shall wait and see what they come up with
04/01/12 - Letter from Robinson Way 'Thank you for your recent contact, please forward the relevant fee's to our client to enable them to respond to your request under the Consumer Credit Act. Account is held for 14 days to enable you to do this. After this time collection activity will resume on your account.

Updated

[Pixie]

Re: Jaci's UE Diary

I think you can ignore the letters you've received.

[Susie]

Re: Jaci's UE Diary

04/01/2012 - Letter from Robinson Way, 'Immediate action required - Call us now'

Pop head out of window and call out

Roooooobinson Waaaaaayyy

You will have done as required but I bet they don't answer

[jaci]

Re: Jaci's UE Diary

MY ACCOUNT

Barclaycard Centre
Credit Card
Start Date 22-10-2007
Current Balance £1471
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
10/01/2012 - Letter from Barclaycard - 'Formal Demand for Payment'

Usual - If payment isn't received a debt collector may call upon you for repayment or legal proceedings may be taken against you ...

[Never-In-Doubt]

Re: Jaci's UE Diary

Ignore it.....

* niddy wins fastest reply ever award

[jaci]

Re: Jaci's UE Diary

Blimey that was quick

[garlok]

Re: Jaci's UE Diary

Absolute cheek of the devil Barclaycard. Calders is Barclaycard. They consist of the desk across the gangway from Mercers in Merseyside.

better chance of seeing 'em off when they sell it but that is unlikely. It will be put out on the DCA circus round and you just keep knocking them down. Better if they do sell it as the purchaser will have only paid peanuts (10 to 12%) for it and you can see them off as well.

regards
Garlok

[jaci]

Re: Jaci's UE Diary

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 - ignoring for now
22/02/2012 - Letter from MBNA enclosing a letter from Moorgate Loan Servicing advising account has been sold to AOF 2 Sarl

updated

[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'. Ignoring
20/02/2012 - Letter from Horwich Farrelly - We have been instructed by our client to claim from you full payment. Court action may be taken against you unless you pay in full or contact us with a proposal within the next 10 days.

Updated

[swanfan]

Re: Jaci's UE Diary

Updated

I'd send this--> Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation

[Never-In-Doubt]

Re: Jaci's UE Diary

Updated

I'd send this--> Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation

Good Idea

[jaci]

Re: Jaci's UE Diary

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 - ignoring for now
22/02/2012 - Letter from MBNA enclosing a letter from Moorgate Loan Servicing advising account has been sold to AOF 2 Sarl

Updated

[MrsD]

Re: Jaci's UE Diary

who???

[jaci]

Re: Jaci's UE Diary

who???

I've never heard of them either