Locke's UE diary

[Locke]

Hello everyone, some of you might know me from NID's old thread. ;Hi1

Hopefully this thread will help me keep everything in one place and will also be a good reference for people who are thinking of going down the same route as I have.

I've currently got 5 cards with 3 different banks and I'll make a separate post about each for reference that I can keep updating to show where I'm at.

Btw...

Sent.

Received.

[Elsie52]

Re: Locke's UE diary

Nice to see you here Locke....I was Elsie on the old thread.

[Locke]

Re: Locke's UE diary

*Halifax

*CCA request sent. - 22/03/2010
*Cover letter received with T&C's.
*Reconstituted agreement received.
*Query letter sent.
*The same reconstituted agreement received again.
*Final response - No CCA letter sent.
*Letter received saying they've sent what they have to.
*Refusal to accept unenforceability letter sent.
*Received final response from Halifax.
*Telephone Harassment letter sent.
*Letter received saying they are looking into my complaint.
*Telephone Harassment follow up sent.
*Letter received saying someone will call on XX/XX/XXXX.
*Calls stop.
*Threat of doorstep visit letter sent.
*Default notice received.
*Termination notice received.

...............

*Passed on to Albion.
*Letter demanding full balance.
*Account sold whilst in dispute letter sent.

...............

*Passed on to Power2Contact.
*Letter received threatening doorstep visit.
*Sold whilst in dispute/Threat of doorstep visit letter sent.

...............

*Passed on to Blair, Oliver and Scott.
*Sold whilst in dispute/Threat of doorstep visit letter sent.
*Letter received threatening court action.
*Threat-o-Gram - Letter before Action.

...............

*Passed on to Moorecroft.

[Locke]

Re: Locke's UE diary

*Barclaycard

*CCA request sent. - 08/03/2010
*Cover letter with T&C's received.
*More T&C's received.
*Sent CCA query.
*Received letter saying that's all they have to send.
*Sent customised letter from NID.
*Letter received saying they've sent all they have to.
*Sent final response - No CCA received.
*Received a letter from customer service saying they are looking in to it.

...............

*Account passed on to Mercers.
*Default notice received.
*Sold whilst in dispute letter sent.

...............

*Account passed on to Calders.
*Letter received offering 60% F+F.
*Sold whilst in dispute letter sent.

...............

*Account passed on to Credit Solutions.
*Sold whilst in dispute letter sent.

...............

*Account passed on to Apex.

[Locke]

Re: Locke's UE diary

*Capital One

*CCA request sent. 22/03/2010
*CCA reminder sent.
*Reconstituted agreement received.
*CCA query sent.
*Telephone harassment letter sent.
*Letter received saying they will continue to call.
*Telephone harassment follow up letter sent.
*Calls stop.
*Letter received saying the reconstituted agreement is all they've got.
*Refusal to accept unenforceability letter sent.
*Notice of default received.
*Received their final response.
*Received letter terminating account.

...............

*Account passed on to F.T.C.
*Threat of home visit letter sent.
*Letter asking for my income and outgoings received.
*Letter saying Capital One have removed all phone numbers for me from their system.
*Account sold whilst in default of CCA request letter sent.
*Letter received saying they will contact Capital One about the account being in dispute.
*Letter received saying they've satisfied s.78.
*Refusal to accept unenforceability letter sent.
*Letter received again saying they've satisfied s.78.

...............

*Account passed on to Fredrickson International.
*Sold whilst in dispute letter sent.
*Confirmed resident card received! lol.

...............

*Account passed on to Brian Carter Solicitors.
*Threat-o-Gram - Letter before Action.

...............

[Locke]

Re: Locke's UE diary

*Goldfish

*CCA request sent. - 08/03/2010
*CCA reminder sent.
*CCA dispute sent.
*Cover letter received with T&C's.
*More T&C's received.
*Telephone harassment letter sent.
*Sent final response - No CCA received.
*Received letter saying they will still keep calling.
*Letter received saying they've sent all they have to.
*Customised letter from NID about the phone calls.
*Sent refusal to accept unenforceability letter.

...............

*Account passed on to Mercers.
*Default notice received.
*Sold whilst in dispute letter sent.
*Letter saying they will send a local debt collector around.
*Letter sent - Threat of doorstep visit.
*Letter received saying they've satisfied section 78.

...............

*Account passed on to Power2Contact.
*Letter received threatening doorstep visit.
*Sold whilst in dispute/Threat of doorstep visit letter sent.

...............

*Account passed on to Calders.
*Sold whilst in dispute letter sent.

...............

*Account passed on to Debt Managers LTD.
*Sold whilst in dispute letter sent.
*Letter received saying the account will be placed on hold.
*LETTER FROM BARCLAYCARD ADMITTING THEY DON'T HAVE A CCA!!!

...............

*Account passed on to Robinson Way.

[Locke]

Re: Locke's UE diary

*Skycard

*CCA request sent - 10/05/2010
*Cover letter received containing T&C's
*Letter received containing more T&C's which they claim is all they have to send
*T&C's letter sent
[color=#FF0000]Letter received saying they are under no legal obligation to send anything else[/color
*Final response - No CCA received letter sent
*Letter received saying they've satisfied section 78.

...............

*Passed on to Mercers.
*Default notice received.
*Sold whilst in dispute letter sent.

...............

*Passed on to Calders.
*Letter received offering 60% F+F.
*Sold whilst in dispute letter sent.

...............

*Passed on to Allied International.
*Sold whilst in dispute letter sent.

[Locke]

Re: Locke's UE diary

Nice to see you here Locke....I was Elsie on the old thread.

Nice to see you over here too, Elsie. ;Hi1

I haven't been on much lately so I've only just realised the move.

I like this smilie btw. :UE

[Locke]

Re: Locke's UE diary

I received a nice letter from Mercers today saying I've got 48 hours to contact them or they will be getting the boys round. ;EEK

Then I noticed the date on the letter was August 23rd. ;D

[MattyA]

Re: Locke's UE diary

lol locke - have they been yet?
I have just had the first mention of Mercers in correspondence from Barclaycard who are non to chuffed with me & would like me to 'make all future payments to Mercers'

[Locke]

Re: Locke's UE diary

lol locke - have they been yet?
I have just had the first mention of Mercers in correspondence from Barclaycard who are non to chuffed with me & would like me to 'make all future payments to Mercers'

Not yet, you would have thought with how urgent they were trying to sound in their letter that they would have had the heavy mob around at the first opportunity! ;Spank

Don't let them worry you too much with what they send, most are just standard template letters that they send to everyone on their hit list eventually, even if they do send someone around they have no power and have to leave if you ask them too.

[Never-In-Doubt]

Re: Locke's UE diary

well said - see, you're an old hand at this mallarkey now.... :UE

[Locke]

Re: Locke's UE diary

well said - see, you're an old hand at this mallarkey now.... :UE

It's a daunting process when you first start out but you soon understand what sort of bullyboys you're dealing with and the best ways to handle them. ;Spank

[Never-In-Doubt]

Re: Locke's UE diary

well said - see, you're an old hand at this mallarkey now.... :UE

It's a daunting process when you first start out but you soon understand what sort of bullyboys you're dealing with and the best ways to handle them. ;Spank

spot on matey - you're an old hand at this mallarkey, as I say! It'd be good though to finalise barclays lol... just one way or another!

[Locke]

Re: Locke's UE diary

[quote=never-in-doubt]

well said - see, you're an old hand at this mallarkey now.... :UE

It's a daunting process when you first start out but you soon understand what sort of bullyboys you're dealing with and the best ways to handle them. ;Spank

spot on matey - you're an old hand at this mallarkey, as I say! It'd be good though to finalise barclays lol... just one way or another![/quote:wnvjnwxs]

To be honest NID I've gone past the point of caring about Barclaycard, as you said to me months ago until they produce an agreement then it will be treated as :UE

The sooner they sell it on the better.