Announcement

**what2donext** · 14 July 2011, 08:17

Re: What2donext / UE Diary

RBS Loan (Joint)
Date Commenced - 4/3/05 refinanced 22/5/06 and 19/10/07
Approx. Balance - £14,871
Last Full Payment paid - 30/5/11

28/06/11 CCA request sent
09/07/11 Letter received requesting completion of their IE form with signature Ignored
15/07/11 Letter received wanting us to contact them Ignoring
18/07/11 14 working days now up and no CCA received do we have to send any other letter thanks
28/07/11 CCA Received -Just emailed it to Niddy
29/07/11 Niddy says

08/08/11 Received lettter stating - I have noted the information and intend to refer our position to our Recoveries Department as there would not appear to be any possibility of a repayment plan being agreed.
In order to refer the matter to this department I advise that I require a Default Notice & Formal Demand etc.You will be required to find new banking facilities as your accounts will be closed.
11/05/11 Received Formal notice of intention to file a default and take action to recover debt.
07/09/11 Received Sums in arrears notice
19/10/11 Received letter from Shoosmiths solicitors we have been instructed by the Bank to contact you and to agree how the sum outstanding from you will be repaid .We appreciate that you may already be in contact with the Bank but they have asked us to manage this process on their behalf.
Settlement- Our client has informed us that, in return for a lump sum payment in the short term it may be prepared to accept less than the sum outstanding from you etc etc.

**what2donext** · 14 July 2011, 08:21

Re: What2donext / UE Diary

MBNA Credit Card 1 (Mrs)
Date Commenced - 19/6/97
Approx. Balance - £7030
Last Full Payment paid - 26/5/07
DMP payment paid - 28/6/11 (no more payments being made)

07/07/11 CCA request sent
27/07/11 CCA received
27/07/11 Email sent to Niddy
29/07 11 Niddy Says

29/07/11 Sent CCA Query - Missing Prescribed Terms by recorded delivery
11/10/11 Received letter stating - You have missed 4 monthly payments please contact us to prevent termination of this agreement, registration of a default with the credit reference agencies and commencement of action to recover the debt.etc etc

02/11/11 Received letter stating - We have enclosed an income and expenditure form. We wrote to you on 6th October 2011 regarding your arrrears,and offered to provide you with assistance upon completion of an I/E form. we understand this form may not have been attached to our letter. We'd like to appologise for any inconvenience caused and we've enclosed an I/E form with this letter should you need to complete it.

07/11/11Received letter stating - Thank you for your letter dated 29th July 2011 in res[ect pf the agreement referred to above. In your letter you claim that we have not supplied a true copy of your original credit agreement. To confirm, the document enclosed with our recent letter is a copy of the executed agreement that you signed when you decided to take out a credit card with MBNA Europe Bank. You have been provided with a true copy of your credit agreement. Furthermore the "Financial and Related Conditions" set out on the credit agreement are the key terms which, under Schedule 6 of the Consumer Credit (Agreements) Regulations 1983, were prescribed to be included int he credit agreement that you signed. These key terms set out how your credit limit is decided, your minimum payment obligation and your interest rates. When you were sent your credit agreement for signature, these key terms were also repeated in a full set of the Terms and Conditions of your credit agreement which were conveniently set out separately in a document for you to keep. A copy of these terms was enclosed in our previous response. In your letter you also request that we provide a legible copy of the agreement. We have enclosed a true copy of the original agreement and a copy which has been reconstituted from our records for legibility purposes in our previous response. MBNA are satisfied that the regulated credit agreement into which we entered with you satisfies all relevant legal and regulatory requirements. As such, we shall continue to administer this account as normal. We also expect you to continue to make payments to us as they fall due, if you fail to do so, please note that any arrears will be reported to the Credit Reference Agency.
12/12/11 Received Default Notice
15/02/12 Received letter - Your credit agreement has been terminated you will no longer receive statements and we have registered a default at the CRA .It then goes on to what recovery action they may take -Sale of Debt - Placement of Debt -Litigation You will be kept informed of any further action.
15/03/12 Received letter from MBNA - We are taking further action to recover your debt.We have decided that we will take the action of selling your debt to another company.We will be transfering ownership to Varde Invesments (Ireland) Limited .
11/04/12 Received a letter from Experto Credite - We are concerned that you have failed to respond to our previous letter and the above ammount remains out standing. To consider the most appropriate way to recover your debt, it is important that we agree a repayment plan with you today. etc etc
05/05/12 Received a letter from Experto Credite- We are concerned that you have failed to respond to our previous letters etc etc.
16/07/12 Received a letter from Experto Credite : FINAL DEMAND You have previously ignored all our attempts to contact you to resolve the above outstanding balance. From our investigations we are aware that you are ;
Residing at the above adress
Ignoring our attempts to contact you to resolve this matter.It then goes on to the usual threats: Doorstep collection etc etc
16/07/12 Account Sold Whilst in Dispute & Harrasment & Threat of Doorstep Visit sent to Experto Credite.
01/08/12 Received a letter from Experto Credite: basically saying they have taken our telephone number off their dialer and will deal with the account in writing as long as we respond to their letters they also state they have noted our request not have any doorstep counselling visits(I didnt know our doosrstep had any problems ) and that they have contacted MBNA regarding the account being in dispute .
06/03/13 Received from Experto Credite: Further to our previous letter MBNA have confirmed that they fullfilled a section 78 in July 2011 ans also responded to your letter challengeing the validity of the agreement. MBNA have confirmed their belief that the agreement provided to you was a legible, true copy of the agreement which also contained all the prescribed terms.
Based on the information provided to us by MBNA , we have no reason to believe this debt is not enforceable and do not believe there is any outstanding dispute. The enforedeability of the account can only be decided by a court.
Your belief that this debt may not be enforceable does not stop collections activity from continuing and we believe that the above debt remains due.
21/03/14 Received from Experto Credite: Arrears notice
05/04/14 Received from HL Solicitors:We have been instructed by our client Experto Credite Limited who ar asset managers for Varde Investments the legal owners of the above outstanding account.
Our client has been unable to obtain a satisfactory settlement from you and as as your account is in default, the full amount outstanding is payable immediately. etc etc
Should payment nor be made, then we may recommend to our client that legal proceedings are issued against you in the County Court claiming the full amount outstanding together with interest and costs etc
12/12/14 Received from Experto Credite : 50% reduction offer
27/06/15 Received from Experto Credite Matched payment offer
15/08/15 Received rom Expeto Credite - Notice of Assignment
16/02/16 Received from Experto Credite - Matched payment offer16/02/16 Received from Experto Credite - We are writing to you about the above account which has been under the ownership of Experto Credite Ltd.
Please note that your account has now been sold to PRA Group (UK) and they are the new owners of this debt with effect from 26th of Jan 2016.
Also enclosed is a letter from PRA Group telling us who they are and payment options etc.

**what2donext** · 14 July 2011, 08:23

Re: What2donext / UE Diary

MBNA Credit Card 2 (Mrs)
Date Commenced - 9/3/01
Approx. Balance - £5036
Last Full Payment paid - 6/6/11
DMP Payment paid - 28/6/11 (no more payments being made)

07/07/11 CCA request sent
21/07/11 Received letter requesting additional info and IE form to be completed and signed guessing we ignore again
22/07/11 Received CCA will email to Niddy to look at thankyou
24/07/11 Niddy says

25/07/11 CCA Query missing prescribed terms letter sent recorded delivery

07/11/11Received letter stating - Thank you for your letter dated 29th July 2011 in res[ect pf the agreement referred to above. In your letter you claim that we have not supplied a true copy of your original credit agreement. To confirm, the document enclosed with our recent letter is a copy of the executed agreement that you signed when you decided to take out a credit card with MBNA Europe Bank. You have been provided with a true copy of your credit agreement. Furthermore the "Financial and Related Conditions" set out on the credit agreement are the key terms which, under Schedule 6 of the Consumer Credit (Agreements) Regulations 1983, were prescribed to be included int he credit agreement that you signed. These key terms set out how your credit limit is decided, your minimum payment obligation and your interest rates. When you were sent your credit agreement for signature, these key terms were also repeated in a full set of the Terms and Conditions of your credit agreement which were conveniently set out separately in a document for you to keep. A copy of these terms was enclosed in our previous response. In your letter you state that the copy of the agreement we provided is illegible. We can confirm that we are satisfied that the copy of the agreement we provided is legible. MBNA are satisfied that the regulated credit agreement into which we entered with you satisfies all relevant legal and regulatory requirements. As such, we shall continue to administer this account as normal. We also expect you to continue to make payments to us as they fall due, if you fail to do so, please note that any arrears will be reported to the Credit Reference Agency.
12/12/11 Received Default Notice
15/02/12 Received letter - Your credit agreement has been terminated you will no longer receive statements and we have registered a default at the CRA .It then goes on to what recovery action they may take -Sale of Debt - Placement of Debt -Litigation You will be kept informed of any further action.
15/03/12 Received letter from MBNA - We are taking further action to recover your debt.We have decided that we will take the action of selling your debt to another company.We will be transfering ownership to Hillsden Securities Limited.
26/06/12 Received a letter from - dlc -We hearby give notice that this debt has been assigned to Hillsden Securities Ltd, trading as direct legal & collections
This means that MBNA no longer own your account and your account is now owned by dlc.etc etc
16/04/12 Received a letter from dlc-As you have failed to maintain acceptable payment installments on your account, we have made enquiries with the locl land registry and have received formal confirmation that you are a home owner. It is now our intention to commence legal proceedings against you for non payment of this account. Once a County Court Judgement has been obtained, a further application will be made to secure this debt against your financial interest in your property by the way of a Charging Order.
We would like to resolve this matter without the need for legal proceedings etc etc.
16/04/12 Sent Threat to Commence Litigation letter to dlc.
21/04/12 Received letter from Hillsden/dlc -Thank you for your recent letter. I acknowledge receipt of your complaintand will respond within 5 days etc etc
25/04/12 Received an acknowledgment letter in reply to Threat to Commence Litigation letter we sent - Unaware of any outstanding disputes on the account ,We have not received any previous correspondence from you prior to your letter dated 16/04/12, Due to the above we disagree with your claims that we have continued to harass you etc etc. We have referred this mater to MBNA to obtain the necessary documentation in acorrdance with the CCA 1974. This will be provided to you once it becomes available
14/06/12 Received a letter from dlc - Further to our letter dated --April regarding the above account
Please find enclosed a copy of your original agreement, along with current terms and conditions and those applicable at the time of inception.
This now completes our obligations under the Consumer Credit Act 1974 and satisfies your s78 request.
As we have now reached the end of the 8 week timescale to resolve this matter, we would request that you accept this letter along with our letter dated --th April (a copy is enclosed) as our final response.
27/07/12 Received a letter from APLIN STOCKTON FAIRFAX SOLICITORS : We have been instructed by dlc on behalf of Hillsden Securities Ltd formerly MBNA to take necessary steps to recover the outstanding balance.
Our client asks that you contact them either directly by telephone or by writing to them at dlc collections. I f you do not make fullpayment or reach agreement with dlc within 7 days legal proceedings may be commenced without further notice. etc etc
27/07/12 Sent Threat-o-Gram Letter Before Action to APLIN
04/08/12 Received from dlc : Notice of Sums in Arrears
08/09/12 Received a letter from dlc in reponse to letter sent to APLIN : I can advise that we complied fully with your CCA request on the 13th of June which was included in our final response in April for ease of reference i enclose further copies of said letters, copy of original agreement and the original t&c and a copy of the current t&c provided by MBNA. We are happy to rely on enclosed documentation in any legal proceedings.While we did not provide the requested documentation within the time limit stated in your letter, we rectified this breach by providing you with the documentation, which fully complies with your formal request. The debt is now enforceable again. Please note that a formal cca request is to be used only to obtain information about the account and not to be used as a tool to withold payment or to prove that an agreement exists. The account has been used and a debt has been incurred, for which you are liable to pay the balance and MBNA has sent you monthly statements to keep you informed of the balance. Please contact us etc etc .
08/09/12 CCA Query - Missing Prescribed Terms sent to dlc
14/09/12 Received a letter from dlc: Thank you for your letter dated 8 September regarding the above account.
We have already responded to the points raised ; please refer to our letter dated 6 September, which enclosed copy of earlier correspondence dated 24.4.12 and 13.6.12.
In addition I can advise the following:
1. As the above account does not relate to a fixed term agreement, the prescribed terms are now required to be on the face of the agreement.
2. Please refer to the reverse of the agreement where you will find the relevant terms of your agreement
3. Due to the above the agreement supplied to you, it does comply with all regulations set out by the CCA 1994.
4. We are happy to rely on the documents previously provided in any future proceedings.
Any amendments made to the CCA after the agreement was signed would have no legal bearing on its enforceability, consequently as the amendment made to the 1974 Act regarding prescribed terms was not introduced until 2006, this section of the act would not apply to your agreement.
07/08/13 Received Annual Statement of Account
27/08/13 Received a letter from APLIN STOCKTON FAIRFAX SOLICITORS : We have been instructed by dlc on behalf of Hillsden Securities Ltd formerly MBNA to take necessary steps to recover the outstanding balance.
Our client asks that you contact them either directly by telephone or by writing to them at dlc collections. I f you do not make full payment or reach agreement with dlc within 7 days legal proceedings may be commenced without further notice. etc etc
28/08/13 Sent: Threat to Commence Litigation letter to APLINS
12/09/13 Received letter from dlc - thank you for your letter dated 27th August 2013 addressed to our soliciotrs Aplin, Stockton Fairfax. Your correspondence has been passed to us for attention, I can confirm and advise the following: we would like to refer you to our letter dated 6/9/12 and 12/9/12 copies of which are enclosed. We have fully responded to the comments you make again in your letter dated 27/8/13 and the documentation as required under the CCA 1974 had been provided to you. We are satisfied that the documentation provided is enforceable and we are happy to reply on these in any future proceedings. As no valid disputes have been raised the above file remains with our collections team.
12/09/13 Sent to dlc a short letter referring them to our Missing Prescribed Terms letter
26/09/13 Received from dlc:Thank you for your letter dated 12/09/13 regrding the above account. I can confirm and advise the following our response to your letter dated 08/09/12 remains the same.
We maintain our stance that we have fully complied with your request for informaition under the Consumer Credit Act 1974. We enclose another copy of your original credit agreement and current terms and conditions together with the term and conditions applicable at the time of inception.
We believe the agrrement is enforceable and we can see no reason for witholding payments.
Should we not receive your repayment proposals in due course; your account will be referred to our litigation department for assessment.
04/12/13 Received from APLINS : Letter before action.
06/09/14 received a letter from dlc our records show that your account has been placed on hold for an agreed period of time which has now expired please call our customer accounts agents to discuss payment proposals .
It is important that you contact us within 14 days from the date of this letter to avoid further correspondence.
24/09/14 Received from dlc: We have made several attempts to contact you but are yet to agree a suitable repayment plan there may be the option of a reduced settlement of us writing off 50% of your balance dependent on your current financial situation contact us within the next 28 days.
25/10/14 Received from dlc: we note that you are still not in a repayment plan etc etc. we are here to work with you.However if we do not hear from you within 14 days from the date of this letter, we may instruct our agents Mercantile Data Bureau, part of Hillsden Securities ltd to collect the balance on our behalf. This will involve further letters and/or telephone contact.
03/04/15 Received from Ruthbridge: we have been instructed by dlc who have passed the above debt to us for collection etc etc
18/04/15 Received from Ruthbridge :We have received no response to our previous attempts to establish contact with you regarding the unpaid defaulted account above.
In an effort to amicably resolve the situation we are prepared to offer a discount to settle the balance of 50% etc etc
21/04/15 Sent Account Sold Whilst in Dispute to Ruthbridge
20/06/15 Account returned to Dlc from Ruthbridge
03/07/15 Received from letter from Lucas credit Services offering 50% discount
03/09/15 Received fom Lucas : contact us etc
04/4/16 Received from dlc : On 1st march 2016 ,MEIII Limited bought your account from Hillesden Securities Ltd. ME III and Hillesden Securities Ltd(dlc) are both part of the Cabot Credit Management Group.
Although ME III Limited are the legal and beneficial owners of your account, you should continue to communicate with and make payments to your current servicer.
Please contact us etc etc.

**what2donext** · 14 July 2011, 08:28

Re: What2donext / UE Diary

MBNA Credit Card (Mr)
Date Commenced 19.12.07
Approx. Balance - £5425
Last Full Payment paid - 7.6.11
DMP Payment paid - 28/6/11 (no more payments being made)

07/07/11 CCA request sent
09/07/11 letter received accepting DMP payment, all interest/charges frozen for 28 days, also requesting medical evidence from Doctor, not responded
22/07/11 CCA received will email to Niddy to look at thankyou
24/07/11 Niddy says

12/12/11 Received Default Notice

**what2donext** · 14 July 2011, 08:30

Re: What2donext / UE Diary

Asda Card Santander Credit Card (Mrs)
Date Commenced - 23/11/06
Approx. Balance - £976
Last Full Payment paid - 17.6.11
DMP Payment paid - 28.6.11 (no more payments being made)

07/07/11 CCA request sent
28/07/11 Received CCA also received in seperate envelope addressed to Mrs but has different client name & account number stating
"you have requested information pursuant to the Consumer Credit Act 1974. Please note that as the account is closed and there is no balance required or due in the future, we are no longer obliged to provide this information, therefore, I am returning your cheque" Already emailed it all to Niddy
29/07/11 Niddy says

29/07/11 Blagging it for now Sent CCA Query - Missing Prescribed Terms by recorded delivery
18/08/11 Received letter stating "That the copy of the agreement we supplied in response to to your request for information under the CCA 1974
was a true copy of the agreement signed by you saying it is enforceable,also containing another larger copy of what they originally sent.

16/09/11 Received letter stating -"Despite previously issuing a Default Notice,your account remains overdue. If you fail to make the necessary
payment we will pass this account to Viking Collection Services Limited.To avoid this action you need to make an immediate payment.

21/09/11 Received letter stating "Thank you for sending us the information to enable us to assess your financial situation we appreciate that this may be a difficult time for you. Now we have assessed your information we are pleased to confirm that we have accepted your offer £1.00 and have placed you on reduced payment arrangement interest and charges have now been suspended.After a minimum period of 6 months we may contact you again for an update, etc .
03/11/11 Received today letter asking us to make token payments or if we do not hear from you and we do not receive the agreed payment unfortunately the reduced payment arrangement will lapse and we may have to return your account to our collections department.
29/11/11 Received Default Notice .
01/12/11 Received letter from Santander -This letter serves you with notice of our intention to register default information with CRA's etc etc
01/11/11 Received letter from VIKING -Your account has been transferred to Viking Collection Services etc etc.
22/12/11 Received letter from VIKING -Viking collection services are dealing with your account.The full balance outstanding must be paid IMMEDIATELY. We have and will continue to report the performance of your agreement to Credit Reference Agencies.Further action is being considered etc etc.
04/01/12 Received letter from VIKING -We are writing to inform you that the collection of your outstanding balance will now be carried out on our behalf by The Lewis Group.The next communication you will receive will be from The Lewis Group etc etc
12/01/12 Received final demand from Lewis Debt Recovery
20/01/12 Received a brown envelope with a yellow card inside saying please telephone this number it is very IMPORTANT
27/01/12 Received letter from Howard Cohen Solicitors- NOTICE OF IMPENDING LEGAL ACTION - We have been instructed to issue a claim against you in the county court in respect of the above debt.Should you fail to respond to this letter,a claim will be issued against you without any further notice etc etc .

**what2donext** · 14 July 2011, 08:32

Re: What2donext / UE Diary

HSBC Credit Card (Mr)
Date Commenced - 09/10/99 . Balance - £3140
Last Full Payment paid - 8.6.11
DMP Payment paid - 28.6.11 (no more payments being made)

07/07/11 CCA request sent
02/08/11 CCA received
02/08/11 CCA sent to Niddy
03/08/11 Niddy says

04/08/11 sent letter CCA Query - Missing Prescribed Terms by recorded delivery
16/08/11 Letter received stating "Failure to respond will seriously affect your credit rating,Please be aware of other possible consequences if you do not resume payments,If you continue to fail to respond to our attemps to contact you we will serve you with a default Notice, Continued non
payment may result in your account being passed to a debt collection agency,or legal action being taken to recover the debt etc etc .

25/08/11 Received letter in response to letter sent 4/08 /11 with another copy of signed agreement
16/09/11 Received letter stating-"We are very concerned etc this is your last chance before we issue a Defult Notice etc"
01/10/11 Received another letter stating unless immediate action is taken we will issue you with a Notice of Default if you do not take appropriate action we will terminate our credit card agreement and demand immediate full repayment etc etc.
17/10/11 Received Default Notice
18/11/11 Received letter FINAL DEMAND We now DEMAND immediate payment of £****, current interest arrangements will continue to apply. YOU HAVE 14 DAYS FROM THE DATE OF THIS LETTER TO REPAY IN FULL or let us have satisfactory proposal for repayment etc. etc
29/11/11 Received letter stating - We have not received a satisfactory response to our Final Demand letter.As we have not received any contact from yuo your account is now due for placement with a specialist Debt Recovery Agent etc etc.
10/12/11 Received letter stating -This is the final opportunity for you to respond before we take further action failure to respond within the next 7 days will result in us handing your acount over to a Debt Collection Agency once your account is passed you may be liable for additional costs.

Debt collectors MAY call at your home
Legal proceedings MAY be issued
We are prepared to come to an arrangement etc etc .
21/01/12 Received a letter - Further to our advice of impending legal action against you, we have not yet had a response your account has now been passed to - Metropolitan Collection Service etc etc .
23/01/12 sent Threat by Creditor - Threat-o-Gram Letter Before Action
28/01/12 Received a letter from Metroplitan Collection Services - We are Debt Recovery Specialists who have been instructed to recover the outstanding balance etc etc .
16/02/12 Received another letter from Metropolitan Collection Services in response to letter sent 23/01/12 - Please find enclosed a copy of our clients response dated 18th August 2011 which encloses a copy of the executed credit card agreement .We have nothing further to add to this matter .Furthermore,we now require your offer of repayment on this account.Matters will be held in abeyance for four weeks pending the above.
17/02/12 Received another letter from Metropolitan Collection Services -We are dissappointed to note that we have been unable to come to an arrangement to clear the outstanding balance.If you do not contact us we intend to instruct solicitors to issue legal proceedings and apply for a charging order against your property.etc etc
17/2/12 Sent -Threat by Creditor - To Apply for a Charging Order
22/03/12 Received a letter from Metropolitan Collection Services -The agreement to hold this account has now expired and you have failed to contact us. We now require repayment of this debt. etc etc
10/04/12 Received letter from Metropolitan - FINAL DEMAND- You have failed to make payment as requested and we therefore now have no alternative but to take further action against you. Thias may involve : Debt Collectors who may call at your door, or Solicitors issuing legal proceedings against you.etc etc
02/05/12 Received a letter from Metropolitan- Please be advised that we are referring your account to DG Solicitors, who will be contacting you within the next 7 days etc etc.
03/05/12 Received a latter from DG SOLICITORS - We act for HSBC Bank Plc .We refer to the bank's correspondence with you demanding repayment of this debt.We are advised that despite the demand full repayment has not been made.
We may be instructed to take legal action against you in the County Court to recover this debt. To avoid legal action you must pay the amount outstanding within 14 days from the date of this letter. etc etc
03/05/12 Threat-o-Gram Letter Before Action Sent to DG Solicitors
28/05/12 Received another letter from DG Solicitors- URGENT! IT IS IMPORTANT THAT YOU RESPOND TO THIS COMMUNICATION .If you DO NOT, it may not be possible to avoid legal action.
20/06/12 Received a letter from DG Solicitors - URGENT - NOTIFICATION OF INTENDED ACTION - We refer to our previous correspondence. As you have failed to repay the above debt , our client is considering instructing us to issue legal proceedings against you in the County Court. This may result in a Judgment being entered against you and if the judgment is not satisfied, an application being made to the Court for a Charging Order.etc etc . It then goes on to say - This letter is therefore warning you of possible legal proceedings, in the event that our client is not paid the debt due and owing. IT IS NOT TOO LATE TO AVOID THIS COURSE OF ACTION please contact blah blah blah.
20/6/12 Sent Final Response - UE (General) to DG Solicitors
14/07/12 Received County Court Claim Form -Northampton(CCCB) County Court

**what2donext** · 14 July 2011, 08:36

Re: What2donext / UE Diary

Marks & Spencer Credit Card (Mrs)
Date Commenced - 5.5.98
Approx. Balance - £2834
Last Full Payment paid - 26.5.11
DMP Payment paid - 22.6.11 (no more payments being made)

07/07/11 CCA request sent
21/07/11 Received CCA but looks like its application form and terms and conditions, delivered by recorded delivery printed name not signed, will email cover letter and application/cca to Niddy
24/07 11 Niddy says presume it is

25/07/11 CCA Query terms and conditions received letter sent by recorded delivery
09/08/11 Received letter with further copy of same application form and terms in response to CCA Query terms and conditions letter stating "M&S Money believe that your agreement is legally enforceable"
03/09/11 Received letter re: arrangement on account, interest charges resumed must repay full arrears immediately, please call immediately, if we don't hear from you we'll send default notice etc
17/09/11 Receieved Default Notice which states "IF THE ACTION REQUIRED BY THIS NOTICE IS TAKEN BEFORE THE DATE SHOWN NO FURTHER ENFORCEMENT ACTION WILL BE TAKEN IN RESPECT OF THE BREACH ETC"
21/09/11 CCA Query Missing Prescribed Terms letter sent via recorded delivery
29/09/11 Received letter in response to CCA Query Missing Prescribed Terms letter with the same completed application form and what looks like an updated blank application form.
13/10/11 Recieved today - Statutory Arrears Notice x 2 one dated 01/8/11 the other dated 01/10/11
15/10/11 Received letter from M&S Pre Legal Recoveries - The collections and recoveries department at M&S Money has instucted me to contact you about your account.Due to the serious arrears which are outstanding , Iam planning to instuct our agents to visit your home address. However you still have an opportunity to prevent this. Please contact us etc etc.
17/10/11 Harrasment & Threat of Doorstep - Visit letter sent to M&S Pre legal Recoveries via recorded delivery
02/11/11 Received another letter from M&S Pre Legal Recoveries stating - Thank you for your recent correspondence. We would like to talk to you before we act on the contents of your letter and request you telephone us. It is vital that you telephone in response to this letter, as action to recover any outstanding payment will continue until we have spoken to you. Obviously, given the fact that you have contacted us, we would rather that this did not happen. I must advise you, However, that we are unable to enter into any further correspondence regarding the exact contents of your letter and this is why you must telephone us. We look forward to hearing from you within the next five working days.
03/11/11 Sent reply Niddy wrote via recorded delivery
18/11/11 Received another letter form M&S Pre Legal Recoveries - Thank you for your letter dated 16th October, we have responded to your previous correspondence via letter on 20th July, 8th Aug, 29th Sept. To prevent further recovery action we will require a payment towards your account and an up-to-date breakdown of your I & E. etc etc. You will receive reminder letters and telephone calls about arrears on your account etc. etc.
19/11/11 Received another letter from M&S Money in reply to letter Niddy wrote 03/11/11 will upload in update.
26/11/11 Received another letter from Pre Legal Recoveries uploaded in update
07/12/11 Received Statuatory Arrears Notice
07/12/11 Received FINAL DEMAND
08/12/11 Received letter posted below
30/12/11 Received letter from Moorcroft Debt Recovery see below
30/12/11 Sent Threat by Creditor - Threat-o-Gram Letter Before Action
06/01/12 Received letter from Moorcroft -We acknowledge receipt of your correspondence, please be assured that your account is now on hold whilst we investigate etc etc
17/02/12 Received a letter from Moorcroft regarding the above account - I write in response to your recent query in relation to the above accountand can confirm we have been in contact with M&S Financial Services and they have advised that they have provided documents under the Consumer Credit Agreement S77/78 and they do believe the agreement is enforceable and the balance is correct and due.I can therefore confirm I have placed the account on hold foe 2 weeks and request you make contact with our call centre to discuss a repayment proposal.Please be aware that if contact is not made within this time scale our follow up of this account will recomence.
14/03/12 Received a letter from Mooorcroft - IMPORTANT INFORMATION - POSSIBLE LITIGATION if you do not contact us following this letter we may have no alternative other than to recomment to our client that solicitors issue legal action against you .etc etc then a list of charges
14/03/12 Sent - Threat by Creditor - Enough is Enough Response
22/03/12 Received from Moorcroft today- Thank you for your recently received letter requesting a copy of the credit agreement .However,
under the Consumer Credit Act 1974 you must provide a £1 fee before the request can be actioned. etc etc
07/04/12 Received another letter from Morcroft- MONTHLY INSTALMENT OFFER -As we have not received any communication from you with regards to your outstanding account.In order to stop our recommending to our clients that solicitors commence legal proceedings we are prepared to accept payments of £120 per month. etc etc
19/04/12 Received a letter from Midas Credit Services - LITIGATION WARNING -We are part of the Moorcroft group and are aware that you have failed to reach a repayment agreement with Moorcroft Debt Recovery Ltd concerning the above account. We are now reviewing the account prior to the possible recommending of legal action by external solicitors acting on behalf of our clients Failure to contact Mooroft Debt Recovery Ltd by the 24/04/12 may result in the issue of legal proceedings without further notice etc etc.
20/04/12 Sent Threat by Creditor - To Commence Litigation Response
26/04/12 Received a letter from Moorcroft -Thank you for your recent letter requesting a copy of the credit agreement.However under the Consumer Credit Act 1974 you must provide a £1.00 fee before the request can be actioned, please make the fee payable to the above client.Consequently if you submit the prescribed payment we will gladly process your request.
11/05/12 Received a letter from Moorcroft Home Collections Division- Our records show that despite our previous letters you have failed to make any apyment to us and therfore your account has now been passed to our Home Collections Division for action.This may involve our local representative calling at your home etc etc .
11/05/12 Sent Harrasment & Threat of Doorstep - Visit letter to Moorcroft.
18/05/12 Received a rather long winded letter from Moorcroft
29/05/12 Sent - Final Response - UE (CCA Received) to Moorcroft
07/6/12 Received another letter from Moorcroft : Thank you for your recent letter requesting a copy of the credit agreement. However, under the Consumer Credit Act 1974 you must provide a £1.00 fee before the request can be actioned, please make the fee payable to the above client. Consequently if you submit the prescribed payment we will gladly process your request.
08/06/12 Sent a short letter reminding them that we have already sent CCA request to M&S.
12/06/12 Received a letter from Moorcroft - We acknowledge receipt of your further correspondence regarding the above account.
Firstly, we can confirm that our records do show that we responded in full confirming both our and our client's position in relation to this account onthe 16/05/12.Our records also show that a seperate response was sent to you by our CCA team on the31/05/12 requesting you provide a £1.00 statutory fee, made payable to our client, so that we could further assist you in your request.
However, following receipt of your further correspondence, it is clear that you do not wish to discuss this account further with us. Therefore we believe the most sensible course of action would be to return your account to our client so this matter can be resolved as efficiently as possible.
We would reiterate that your account is now closed on our system and you will receive no furthercontact from us in connection to this matter. We would now stress that any further recovery action would now rest with our client.
12/07/12 Received a letter from Red Castle Recoveries /bcwgroup : You will be aware that M&S has recentlytransfered your above numbered account to us.
We are writing to you to advise that the responsibility for managing your account on a day to day basis has now been transferred to : Buchanan Clark & Wells
17/07/12 Received a letter from Buchanan Clark & Wells : We have been instructed by M&S Money to recover an outstanding amount on their behalf.
Our clients have informed us that they are unaware of any legitimate reason for non paymentof their account and they would prefer an amicable settlement.They have also granted Buchanan Clark & Wells access to your financial information held with a Credit Reference Agency. contact us etc etc
17/07/12 Sent - Account Sold Whilst in Dispute to BCW
26/07/12 Received a letter from BCW : I write with regard your recent communication concerning the above account. I can hearby confirm your concerns have been duly recorded on our filing system and the issue is being currently investigated further. In the meantime I can confirm I have authorised a "cease all actoin"instruction to be placed on your account with immediate effect etc etc.
17/08/12 Received a letter from BCW: Final Response
29/08/12 Received a letter from BCW: We wrote to you recently regarding your outstanding balance etc etc.
08/09/12 Received another leter from BCW: You have failed to respond to our numerous attempts to contact youregarding your outstanding balance. A report will be returned to M&S Money with a recomendation of further recovery action they will use this report to determine the nexzt course of actionwhich may involve etc etc.
Given the age of this account our client has informed us that they will considera discounted settlement to draw the matter to a conclusion.
10/09/12 Final Response - Uneforceable (CCA Received ) sent to BCW
07/12/12 Received a letter from M&S : Our agreement is compliant with the Consumer Credit Act 1974.
It then goes on to state all the reasons they deem the account to be enforceable and that as they have provided the requested document normal collection action will continue. M&S Money believe that your agreement is legally enforceable and as such refute Your allegations.
10/12/12 Creditor Refusal to Accept UE Status sent to M&S.
15/01/13 Received a letter from M&S Bank: See attached below
02/04/13 Received a letter from M&S: Iam writing to inform you that the above account has been sold by M&S Financial Services plc to Arrow Global Ltd on the 28th February 2013.
This means that the effective owners of the above account are now Arrow Global Ltd.
Arrow Global Ltd have appointed Wescot Credit Services as their sevicing agent etc etc.
14/6/13 Received a letter from Wescot: Wescot Credit Services is a specialist DEBT COLLECTION organisation. We have been instructed by our client to collect the outstanding balance on their behalf.
You should read both sides of this notice carefully, follow the instructions and reply IMMEDIATELY.etc etc
15/06/13 Sent - Account Sold Whilst in Dispute to Wescot
27/06/13 Received from Wescot :Thank you for your recent contact with regard to the above account. We will suspend all collections activity on the above account whilst the matter is under investigation etc etc
25/09/13 Received from Wescot: We refer to your recent communication.Having contacted our client they have advised no Consumer Credit Act request has been received. Please can you resend the request.
We have placed a hold on the account for 14 days.
25/09/13 Sent short letter refering them to our CCA request sent to M&S.
09/10/13 Received from Wescot:We refer to your recent communication. In order to refer your request to our client, you are required to attach the £1.00 statutory fee payable by either cheque or PO.
The fee should be made payable to our client, with your request for a copy of the signed agreement included. I have enclosed the previous request you provided. A hold has been placed ont the account for 14 days to enable you to provide this.
15/10/13 Received from Wescot : FINAL NOTICE Despite previous correspondence etc etc this may lead to A door step collector or Either us or our client taking legal action.etc etc
18/10/13 Sent another letter referring them to our CCA request stating the £1.00 fee had been paid.
28/10/13 Received from Wescot: Received 2 letters one dated 24/10/13 the other dated 25/10/13 both saying the account is on hold awaiting a response from M&S
27/01/14 Received from Wescot: We are awaiting further information from our client etc.
29/05/14 As above
26/06/14 As above
29/0714 As above
19/09/14 As above
12/01/15 Received from Wescot: We write to inform you we are no longer dealing with your account and request you contact our client

**what2donext** · 14 July 2011, 08:38

Re: What2donext / UE Diary

Mint Credit Card (Mrs)
Date Commenced - 29.10.03
Approx. Balance - £3399
Last Full Payment paid - 6.6.11
DMP Payment paid - 28.6.11 (no more payments being made)

07/07/11 CCA request sent
14/07/11 Received letter stating "I have received a letter regarding your account. The letter was not signed and as a result I am unable to undertake the action requested. Please sign the letter in space or call us etc." Ignoring for now until further advice is given

30/07/11 CCA received - Email sent to Niddy
03/08/11 Niddy says

04/08/11 Blagging it for now Sent CCA Query - Missing Prescribed Terms by recorded delivery
27/08/11 Received letter in reply to CCA Query - Missing Prescribed Terms
01/09/11 Received Default Notice stating" Please read the Default Notice carefully and ensure payment of £*** is credited to your account within 17 days etc etc"
28/09/11 Received Account termination letter stating - A Default Notice was recently served against you. As the amount requested in the Default Notice has not been received, your account has been terminated.
We now require full repayment of the outstanding debt within 14 of the date of this letter. If you do not comply, or fail to subit proposals for repayment that are satisfactory to us,your account will be passed over to our Debt Recovery Office etc etc.
19/10/11 Received letter from TRITON - We have been formally instructed by The Royal Bank of Scotland plc in respect of the above unpaid debt that despite reminders, you have failed to settle or to make mutually acceptable repayment arrangements .We must inform you that unless you telephone RBS immediately the debt will be referred to us or an equivalent debt recovery agent for collection.
03/3/11 Received today another letter from Triton asking for immediate payment if for any reason you are unable to make this payment by return you must telephone this office immediately
19/11/11 Received another letter from Triton - URGENT ACTION REQUIRED etc It may be appropriate that a debt recovery agent call on you to discuss and agree proposals for repayment.We would prefer not to take this action etc.
30/11/11 Received letter from Triton -NOTICE OF LEGAL PROCEEDINGS
23/12/11 Received letter from Green & Co solicitors - see below
24/12/11 Sent -Threat by Creditor - Threat-o-Gram Letter Before Action
09/01/12 Received letter from Green & Co -We note the contents of your letter and our client has requested that they will respond to you direct.We have therefore been asked to close our file and you will hear from our client direct.
21/01/12 Received letter from Newman Debt Collection Agents- Immediate Action Required .We act for our client RBS regarding the above account contact us etc etc.
13/02/12 Received another letter from Newman Debt Collection - Notice of Further Action - We continue to act for our client RBS we ask that whatever your circumstances you call us immediately to resolve this matter.In the absence of this contact and cooperation we may proceed to litigation in this matter etc etc.
27/02/12 Received a letter from Newman Debt Collection - Notice of Further Action - Our records show that you have not responded to our attempts to contact yo.You must contact us within the next 4 days to prevent avoidable action.
23/03/12 Received from Newman Debt Collection- REPAYMENT OPTIONS- etc etc
02/04/12 Received another letter from Newman Debt Collection - Doorstep Collection Warning - Our records show that to date we have failed to make contact with you. Failure to pay or contact us within 7 days of the date of this letter may result in your account being passed to our field Representative to arrange a Doorstep Call etc etc.
02/04/12 Sent Harassment & Threat of Doorstep-Visit
10/04/12 Received a letter from Newman Debt Collection- We write with reference to your recent correspondence date 2nd April, the content which as been noted. etc etc
05/05/12 Recived a letter from scotcall limited - NOTICE OF PERSONAL VISIT - Your long overdue debt noted as above has been placed with scotcall for collection. scotcall are one of the uk's leading doorstep recovery debt recovery companies etc etc.
21/05/12 Received another letter from Scotcall - PRE - VISIT NOTICE
21/05/12 Sent Harassment & Threat of Doorstep-Visit letter to Scotcall
24/05/12 Received another letter from Scotcall - Please find enclosed paperwork relating to an account we are no longer dealing with. It was returned to our client on 22/05/2012. Please contact them at the address supplied.
28/07/12 Received a letter form MINT : Our collection agent has been unable to contact you or agree a suitable repayment plan therefore your account details have been passed to Wescot Credit Services Ltd etc etc
18/08/12 Received a lettter from Wescot: Wescot Credit Services is a specialist DEBT COLLECTION organisation. We have been instructed by our client to collect the above outstanding balance on their behalf. PLEASE CONTACT US AS SOON AS POSSIBLE AS FAILURE TO DO SO WILL RESULT
IN FURTHER RECOVERY ACTION.
18/08/12 Sent: Accound Sold Whilst In Dispute - letter to Wescot
25/08/12 Received a letter from Wescot: Following your recent request for a signed agreement, our client has requested you write to the follwing adress and state in your covering letter that this is a section 77/78 request and enclose a £1.00 postal order payable to our client.
25/10/12 Received from Wescot: FINAL NOTICE - our latest enqueries have now confirmed you are still resident at this adress but we have not received a reply to our previous correspondence. Unless you contact us to agree repayment within the next 10 days, further collection activity will be taken etc etc
26/10/12 Sent: short letter to Wescot telling them when CCA request was sent.
08/11/12 Received a letter from wescot: We will suspend all collections on the above account,upon concluding our investigation, we will contact you again etc etc.
12/11/12 Received from Wescot: We refer to your recent communication.Having contacted our client they have advised that they have previopusly responded to your query, please see attached
In the circumstances we believe the dispute has now been resolved and the full balance or an agreed monthly installment is reqired etc etc
16/11/12 Sent: Missing Prescribed Terms to Wescot
30/11/12 Received a letter from Wescot in reply to Missing Prescribed Terms: We refer to your recent communication.Having contacted our client they have advised that the above balance is correct and due for payment. Please see the attached letter our client sent to you in response to your dispute
In the circumstances, we believe the dispute has now been resolved and the full balance or an agreed monthly instalment is required etc etc. If in the event you believe you still have a valid dispute, please contact us with the details within the next 14 days otherwise your accountwill be returned to our recovery team for collection.
8/12/12 Creditor Refusal to Accept UE Status sent to Wescot
20/12/12 Received a letter from Wescot: Thank you for your recent contact with regard to the above account. We acknowledge you have raised a query etc etc . We will suspend all collections activity etc etc.
22/12/12 Received from Wescot: See post above received on 30/11/12
04/01/13 Sent a 1 liner referring Wescot back to our letter dated 8/12/12
22/01/13 Received from Wescot in reply to the above : Thank you for your recent communication regarding the above account.
Your letter dated 8/12/2012 was passed to our client. A letter of response was issued on the 19/12/2012.
Should you wish to query this account further, you would need to put the full details of your query in writing.
22/02/13 Received from MINT: Our collection agent has been unable to contact you or agree a suitable repayment plan therefore your account details have been passed to Regal Credit Consultants Ltd.Regal credit solutions will be in touch within 14 days etc etc.
09/03/13 Received a letter from REGAL CREDIT: Your account has been passed to us etc etc, we will contact you during the next 7days etc etc.
05/04/13 Received from REGAL CREDIT : it is in your own interest to contact us to discuss this matter and it our obligation to advise you that if we do not hear from you we will be instructing our field collectors (ScotCall) to visit you to discuss the matter with you in person.
08/04/13 Sent Account Sold Whilst in Dispute & Harrament & Threat of Doorstep-Visit to Regal Credit
18/04/13 Received from Regal Credit: We are in receipt of your recent complaint, either directly or otherwise, and we are sorry that you have felt it necessary to take this course of action.
It may be that the cause of your complaint is beyond our control etc etc.
If we can respond to your complaint immediately we shall do so. We shall update you with our progress every 2 weeks.
We shall provide a Final Response within 8 weeks and will provide details of the escalation process if applicable. Once we have issued a Final Response we will not engage in ongoing communication regarding the same issue.
30/04/13 Received Regal Credit's Final Response .
22/05/13 Received from Real Credit: Despite our previous attempts to make contact with you the above balance remains unpaid; unlesswe can discuss the above liabilitywith you over the phone your account will be passed to our Field Agents over the next few weeks to visit you to discuss the matter.
We would like this visit to be at a date and time to suit you and we would be grateful if you would contact us with the details of when this will be convenient etc etc.
23/05/13 Sent Harrament & Threat of Doorstep-Visit to Regal Credit

**what2donext** · 14 July 2011, 08:41

Re: What2donext / UE Diary

Egg Credit Card (Mrs)
Date Commenced - 17/12/01
Approx. Balance - £2655
Last Full Payment paid - 16.6.11
DMP Payment paid - 7.7.11 (no more payments being made)

07/07/11 CCA request sent
18/07/11 Received CCA Can you please advise what pages to email Niddy as there are 8 pages of terms and conditions, a copy of the application form and 14 pages on the credit agreement, many thanks
19/07/11 Niddy says

19/07/11 CCA Query - Missing Prescribed Terms sent recorded delivery
18/08/11 Received letter saying the documents provided constituted a true copy of your agreement,we have now provided all documents required by law and do not consider there to be a genuine dispute as to the enforceability etc etc.
09/11/11 Received letter about Barclaycard taking it over with the "line carry on managing your account as you do today" etc etc.
05/12/11 Received letter from Mercers Fantastic Offer Make 2 payments get 2 free etc etc.
10/11/12 Received another IMPORTANT INFORMATION letter from Mercers
12/01/12 Received letter from Calder Financial - A FINAL OFFER OFF HELP - Our clients are prepared to accept 60% of your outstanding balance in f&f settlement of your debt etc etc
06/03/12Received letter from Barclaycard - Formal Demand For Payment -As you have not complied with the recent Default Notice, the outstanding balance shown above is now due etc etc .If a payment is not made by 8 March 2012, a debt collector may call upon you or legal proceedings may be taken against you in the County Court blah blah blah.
22/03/12 Receieved from Barclaycard - your Barclaycard account has now been passed to RMA to manage the collection of the balance. etc etc .
23/03/12 Received a letter from RMA -Please accept this letter as notification that,due to non payment your account has been passed to RMA etc etc .
12/04/12 Received a letter from RMA -NOTICE OF CONCERN -With concern, I note that our records show you have failed to agree on an acceptable repayment plan on your outstanding balance with Barclaycard.etc etc.
17/04/12 Received a letter from RMA - You have been selected for a SETTLEMENT OFFER on your current outstanding balance you must call within 14 days etc etc.
24/04/12 Received another letter from RMA - We are writing to you as despite our attempts to reach a suitable agreement on the repayment of
your outstanding Barclaycard account, to date the matter remains unresolved.Please call us etc etc
28/04/12 Received yet another letter from RMA -NOTICE OF POTENTIAL DOORSTEP RECOVERY -We are writing to formally notify you of our intensions to forward your account to Scotcal LTD,a doorstep recovery agent etc etc.
28/04/12 Sent Harassment & Threat of Doorstep-Visit letter to RMA.
17/0512 Received letter from RMA- THIRTY DAY NOTICE - you have been legally notified of this debt and have failed to contact us in relation to your liability to our client. This situation is unacceptable and cannot be allowed to continue etc. etc. Should you fail to take advantage of one of these proposals will leave me with little alternative other than to return your account back to our client and recommend they investigate legal proceedings against you, as all our attempts to resolve the matter on a voluntary basis will have been unsuccessful. etc. etc.
17/05/12 Sent Threat by Creditor - Threat -o -Gram Letter Before Action to RMA
16/06/12 Received a letter from NCO Europe : Thank you for your letter dated 17th May the contents which have been duly noted .Your complaint as we understand it from the information provided, relates to : You claim not to have received an adequate response to your request for information under the Consumer Credit Act made to our client Barclaycard.
In order to adress the issues raised i have reviewed the system notes relating to theabove account and contactedour client, Barclaycard.
Our client confirmed they have no record of previously receiving your request. If you wish to make such a request please contact our client directly as the above account was closed by NCO on 12th June 2012. For the resons detailed above we are unable to uphold your complaint. Please note
this is our final response.
02/07/12 Received a letter from Moorcroft -We have been instructed by BARCLAYCARD - It is a legal requirement to send a notice of intended litigation before legal proceedings in the County Court are issued. We believe that this letter fulfills this requirement even if it is not actually read by you .
To prevent our recommending to our client that solicitors commence legal proceedings, it is essential that you settle this debt without delay.
Both our client and we do not wish to take this action but if agreement cannot be reached by 07.07/12 a claim may be issued by solicitors instructed to act on behalf of our client without further notice. etc etc.
02/07/12 Threat by Creditor - To Commence Litigation sent to Moorcroft.
04/07/12 Received a letter from Barclaycard : Your Barclaycard account has been passed to Moorcroft Debt Recovery Limited etc etc .
06/07/12 Received a letter from Moorcroft : Further to your recent correspondence, I write to advise we will be communicating with our client in respect of your raised query. During these communications follow - up action wil be suspended on your account etc etc.
11/07/12 Received a rather long winded letter from Moorcroft regarding the above account which in turn refers us back to letters they have sent us for another account they had of ours.They then ask us to provde specific details of why we may not owe this debt .
25/07/12 Received a letter from Moorcroft : I write with further to our recent letter regrds the above account and return with our clients response.
Our client has stated that they do not appear to have been in receipt of a previous request for a copy of your CCA in connection to this account.In order for us to assist you further we would ask that you provide further details or supporting evidence of any such request made, directly to our client. I would also request that also provide any specific reason why you may not be liable for this debt that our client believes is due.This request is made to ensure all matters are resolved as efficiently as possible.
Please be assured that your account is on hold and this will remain the position for a further 28 days to allow you the opportunity to respond to this letter and our request.
21/08/12 Received a letter from Moorcroft: I would confirm that this account has remained on hold to allow you the opportunity to respond to our previous responses. However, to date we do not appear to have received any contact from you.
I would confirm that your account is now closed with us and has been returned to Barclaycard. I would now stress that any further recovery action would now rest with our client and we would therfore suggest that you contact them at your earliest convenience.
I would reiterate that your account is now closed with us and you will receive no further contact from us in connection to this matter.

**what2donext** · 14 July 2011, 08:43

Re: What2donext / UE Diary

Sygma/Creation Credit Card (Mrs)
Dated Commenced - 25/5/06
Approx. Balance - £5297
Last Full Payment Paid - 23/5/11
DMP Payment Paid - 22/6/11 (no more payments being made)

07/07/11 CCA request sent
06/08/11 Recieved letter with CCA request and postal order in asking for a signature before they can process as part of security procedure
08/08/11 CCA Request-Demand of Signature by Creditor letter sent
13/08/11 Recieved letter with CCA request & postal order returned again stating
"Whilst we acknowledge the fact that the Consumer Credit Act 1974 does not require that you supply a copy of your signature before response with a s77/78 request, the data protection principles under the Data Protection Act 1998 (as amended from the original Data Protection Act 1984) requires us to excercise proper security with the disclosure of personal data.
I return your original copy of which i have kept for our records,and should be grateful if you would sign it.Alternatively,if you cannot sign it,please send me appropriate copy documentationto prove the bona fides of this request
In the meantime i will assemble the neccesary documentation which will be released upon receipt of your response validating this enquiry"
15/08/11 Signature Request - Formal Response letter sent
20/08/11 Recieved letter returning all our previous letters stating
"In our previous correspondence we have already acknowledged the fact that the Consumer Credit Act 1974 does not requre that you supply a copy of your signature before response with a s77/78 request,however the data protection principles under the Data Protection Act 1998 (as amended from the original Data Protection Act 1984) requires us to excercise proper security with the disclosure of personal data. I can confirm we are in possesion of your signed agreement, as we posses this document we have been able to send monthly account statements and letters in relation to your agreement with us. Letters which you send to us require manual intervention, therefore the agreement cannot be used in this instance".
In your correspondence you state "if it is for Data Protection purposes then i can supply you with documentation to substantiate my identity to you " Therefore we require this to enable us to send our response to you.
I have tried contacting you via telephone to validate this request, but have been unable to contact you,should you wish to verbally confirm this request please contact me directly.

10/09/11 Received letter stating : you have failed to maintain your temporary repayment arrangement with us,which was agreed to assist you, if we do not receive a payment within 7 days ,we will have no option but to assume you are unwilling to pay,your account will return to standard inteest rate and we will resume collections activity.This could include, The issue of a court summons etc etc. We have attempted to support you etc but without your cooperation we canot continue to do so.
16/11/11 Received general arrears letter
23/11/11 Received another general arrears letter
01/11/12 Received leter stating - Final opportunity to respond before we take further action and issue a default notice etc etc
02/12/11 Sent Niddy special
10/12/11 Received Default Notice
31/12/11 Received termination letter we do not understand why you have not contacted us etc etc.
07/01/12 Received letter stating-As we have not been able to contact you recently we have arranged for one of our representatives to call at your adress etc etc
07/01/12 Sent Harassment & Threat of Doorstep-Visit letter
01/02/12 Received CCA
04/02/12Niddy says Unenforceable
04/02/12 Sent Missing Prescribed Terms letter
03/04/12 Received a letter from Drydens lawyers -We are solicitors instructed by the above to whom you are indebted in the above sum in respect of credit card. Despite reminders issued by our client you have failed to make a payment.
Our client has issued and served a default notice upon you under the CCA1974. Your failure to comply with the notice now results in the termination of your credit agreement as at the date of this letter. Our client therefore demands repayment in the sum of £*****
Please be advised that unless we hear from you beforehand legal proceedings may be issued against you in 14 days. Our intention is to obtain a County Court Judgmentagainst you.
When a judgment is obtained the costs of the action are usually added to the debt. Once a judgment has been obtained and it remains unsatisfied, our client will seek to enforce it by way of a Charging Order which would secure the debt against your property.
03/04/12 Sent Threat-o-Gram Letter Before Action
07/04/12 Received letter from -drydensfairfax solicitors - We acknowledge safe receipt of your letter dated 3 April 2012. In accordance with our complaints procedure your letter has been referred to a member of the firm's compliance team for ivestigation. We aim to sendyou a detailed reply by 19th April 2012.
20/04/12 Received another letter from drydensfairfax - We write further to our letter of 5 April 2012 unfortunately we have not been able to complete our enquiries into this matter,we hope to complete our investigation and send you a detailed reply by 3 May 2012 etc etc.
05/05/12 Received another letter from drydensfairfax- We are currently liasing with our client regarding your CCA request and regret we are not yet in a position to respond. We can confirm the account remains on hold.
16/05/12 Received another letter from drydensfairfax- Unfortunately we have not been able to complete our enquiries into this matter in a position to enable a response.We hope to complete our investigation and send you a detailed reply by 31 May . We can confirm the account remains on hold.
01/06/12 Received yet another letter from drydensfairfax- Unfortunately we have not been able to complete our enquiries into this matter in a position to enable a response to be sent to you today.We hope to complete our investigation and send you a detailed reply by 21 June. We have been instructed by our client that they are undertaking a review of the issues raised by you and our instructions are to take no further action pending their findings.
22/06/12 Received a letter from drydensfairfax : We have passed our client the details of your complaint and they have advised us that they are conducting a review into the matter. In the meantime, our instuctions are to take no furthr action in this case pending their findings.
05/10/12 Received a letter from drydensfairfax: see attachment
09/10/12 Sent Missing Prescribed Terms letter to drydens
16/10/12 Received a brief letter from drydens: We acknowledge receipt of your letter and will revert to you as soon as possible.
27/10/12 Received a letter from drydensfairfax: With different terms & conditions we will send them to Niddy it says it is their final response before action..
11/11/14 Sent an offer in full and final settlement after 2 years of wrangling with solicitors
28/11/14 Received a letter from Drydensfairfax see update

**what2donext** · 14 July 2011, 08:45

Re: What2donext / UE Diary

Barclaycard Credit Card (Mrs)
Dated Commenced - 14.6.99
Approx. Balance - ï¿½3138
Last Full Payment Paid - 19.5.11
DMP Payment Paid - 22.6.11 (no more payments being made)

07/07/11 CCA request sent
25/08/11 Letter received stating "We are concerned you are still behind with your payments etc also we may have no alternative but to instruct Mercers Debt Collection Ltd to send you a default notice etc"

26/08/11 Letter from Mercers stating - IMPORTANT - YOU SHOULD READ THIS VERY CAREFULLY Default Notice served under section 87(i) of the Consumer Credit Act 1974
We act as agents for Barclays PLC trading as Barclaycard
Despite a recent letter from Barclaycard you are still behind with your payments etc etc.
06/09/11 Received letter from Mercers see below
07/09/11 Account Sold whilst in Dispute letter sent via recorded delivery
14/09/11 Received letter from Barclaycard customer relations stating - "sorry you had to contact us regarding your Section 78 request. Thank you for taking time and trouble to do so. I am looking into your concerns and will let you have a response or update as quickly as I can but no later than 07 October 2011. In the meantime if you need to speak to me please call on the above number. I have enclosed a leaflet explaining how Barclaycard works to resolve complaints. I hope you find this helpful. Thankyou for bringing this to my attention".
01/10/11 Received another letter from Mercers - Fantastic Offer to help you . Make 2 of the missing payments & we will credit your account with the other 2 payments

.

31/10/11 Received letter from Mercers stating you must contact us etcetc.
24/11/11 Received Default Notice from Mercers
01/12/11 Received letter from CALDER FINANCIAL headed A FINAL OFFER OF HELP - Your account with Barclaycard has been referred to us for collection for continued non payment of your account arrears.
However,Barclaycard have agreed we may offer you a repayment opportunity to avoid the need for further recovery action.
1-Our clients are prepared to accept 60% of your outstanding balance in full & final settlement
2-Our clients will allow us to offer you arrange of reduced payment options please call us etc etc.
05/01/12 Received letter - Formal Demand for payment As you have not complied with the recent Default Notice the outstanding balance is now due in full,Your balance will continue to acrue interest until we receive this payment .We will no longer send statements to you.It is our policy to let Credit Reference Agencies know etc etc.If a payment is not made by the 8th January 2012,a Debt Collector may call upon you or legal proceedings taken against you in the County Court.
06/01/12 CCA Reminder sent
13/02/12 Received a letter from Barclaycard - I am writing to inform you that the above account was assigned and transferred by Barclaycard to MKDP LLP on January 16th.Thia means that the effective owners of the above account are now MKDP LLP etc etc .
18/02/12 Received a letter from MK Rapid Recoveries- Further to our recent communication regarding transfer of ownership of your balance we have not received your offer of payment.We want to help you,Please call us,until we reach an agreement to clear this balance we will continue to contact you by telephone or letter etc etc.
21/08/12 Received a letter from MKRR: Further to our letter offering you help to clear this balance we have not received your offer of payment etc etc .
21/08/12 Account Sold Whilst in Dispute sent to MKRR
01/09/12 Received a letter from MKDP:We are in receipt of your recent correspondence, at this time we are unable to resolve your query, we will be liaising with the original creditor and will contact you within 8 weeks.
9/11/12 Received another letter from MKDP: At this time as we are still unable to resolve your query . We are however currently liasing with the Barclaycard , and we will contact you as soon as we receive a response etc etc.
22/02/13 Received from MKDP: Further to your recent communication, please find enclosed the documents you requested. Reconstituted Credit agreement and statements of account enclosed, please contact us etc etc
25/02/13 Missing prescribed terms letter sent to MKDP
06/03/13 Received a letter in reply to above letter: will upload
12/04/13 Received from KEYNES COLLECTIONS: NOTICE OF INTENDED LEGAL ACTION : It is with regret that owing to you not responding to our client's request for payment MK Rapid Recoveries have instructed us to collect the outstanding balance you have with them.
Unless full payment, or a suitable repayment plan is agreed, within 14 days from the date of this letter, legal action to recover the debt may be taken against you without any further notice.
15/04/13 SH special sent to MKDP & CPUTR sent to KEYNES COLLECTIONS.
15/05/13 Received from MKDP: Further to your recent correspondence regarding the above account. I can confirm that a Final Response was issued to you on the 4th of March 2013. As no new information has been passed to us regarding this matter I must advise you that our complaints procedure has been exhausted and we are unable to enter in to any further correspondence rearding this matter.
Should you remain unhappy with our response, you do have the right to refer your concerns to the Financial Ombudsmans Service this must be done within 6 months of the Final Response dated 4th March 2013 where a leaflet was previously enclosed which explains how to do this.
17/05/13 Received a letter from RAVEN RECOVERIES: Owing to you not having a payment arrangement in place with MK Rapid Recoveries they have instructed us to collect the outstanding balance you have with them etc etc.
Failure to make contact with us within 7 days of this lettter being issued will leave us no further option than to asses your account for alternative action to recover this balance.
21/06/13 Received from RAVEN RECOVERIES: Despite numerous previous letters you have not paid the outstanding balance on this account payment of the full balance should be made upon receipt of this letter unless you can provide us with a reason for not being able to make full payment etc etc.
23/07/13 Received from RAVEN RECOVERIES: Despite previous communication from us, in which we have made offers to agree payment solutions that suit your financial circumstances, you have not made full payment or arranged a payment plan.
Owing to this we have no option but for your account to now be reffered to to Keynes Collection for litigation consideration to resolve this on our behalf. Any further actions that are taken may result in additional fees and charges being applied to your account.
You need to contact without delay, as in 7 days time the escalation team may take appropriate action.
24/07/13 Account Sold whilst in Dispute letter sent to Raven
15/08/13 Received from MKDP: Further to your recent correspondence dated 24th July 2013. I can confirm that a Final Response was issued to you on the 10th May 2013. As no new information has been provided to us regarding this matter I must advise you that our complaints procedure has now been exhausted and we are unable to enter in to any further correspondence regarding this matter.
I can confirm that aa Reconstituted Copy of your Credit Agreement has previously been sent to you; this is copliant under section 78; therfore your reqest has been fully complied with.
Should you remain unhappy with our response, you do have the right to to refer your concerns to the Financial Ombudsmans Service. Thismust be done within six months of the Final Response.
21/03/14 Received from Raven Recoveries: Despite previous communication from us in which we have made offers to agree payment solutions that suit your financial circumstances you have not made full payment or arranged a payment plan.
Owing to this we have no option but for your account to now be reffered to Keynes Colletions for litigation consideration etc etc.
28/03/14 Received from KEYNES Collections: Notice of Intended Legal Action -As you failed to respond to previous correspondence or agree a payment plan we have been instructed by MKDP LLP to collect the outstanding balance In accordance with your agreement etc etc. This letter constitutes a formal demand for payment and is made in accordance with the Practice Direction- Pre - Action Conduct of the Civil Procedure Rules.Your attention is drawn to Paragraph 4 of Annex A of the Practice Direction conscerning the Court's power to impose sanctions for failure to comply with the Practice Direction.This letter requires your immediate attention etc etc.
28/03/14 sent to Keynes collections: Letter Before Action
17/04/14 Received from MKDP: Further to your recent request for documents relating to the outstanding balance stated above
Unfortunately, at this time we are unable to fulfil your request etc etc.
12/05/14 Received from MKDP: Further to your recent communication please find documents enclosed you have requested
Copy of Signed Application
Copy of Default Notice
I can confirm your Notice of Assignment will be forwarded to you shortly
23/05/14 Received from MKDP: Further to your recent request for documents relating to the outstanding balance stated above
Unfortunately, at this time we are unable to fulfil your request etc etc.
03/07/14 As Above
12/08/14 As Above
10/09/14 Received from MKDP: Further to your recent request for documents relating to the outstanding balance stated above
Unfortunately, at this time we are unable to fulfil your request etc etc.
10/09/14 Received from MKDP: Copy of Notice of Assignment
8/10/15 Received from Hoist Portfolio Holdings 2 Limited - Notice of Assignment
24/10/15 Received from Robinson Way - asking for payment plan
30/10/15 Received from Robinson Way - what are you able to pay and agree to reduction
7/1/16 Received from Robinson Way - offering 50% settlement
26/4/16 Received from Robinson Way - the above account remains unpaid despite previous letters and calls your account now due to be transferred to Howard Cohen and Co Solicitors in the next 10 days who will consider court action if court action is taken our clients will ask the court for an order adding legal costs etc etc .
If you would rather agree an affordable repayment plan directly with us to prevent this account being passed to Howard Cohen or you believe you have a valid dispute relating to this account please contact us without delay.
29.4.16 sent LBA Letter to Robinson Way
16.5.16 received from Robinson Way - Thank you for your recent contact please forward fee of £1 made payable to Customer Accountin Centre to enable our client to respond to your request
we have placed your account on hold for 14 days to enable you to do this ,etc.etc

**what2donext** · 14 July 2011, 08:48

Re: What2donext / UE Diary

Barclaycard Credit Card (Mr)
Date Commenced - 23.7.99
Approx. Balance - £4166
Last Full Payment paid - 8.6.11
DMP Payment paid - 22.6.11 (no more payments being made)

07/07/11 CCA request sent
22/07/11 CCA receivedlooks like just terms and conditions will email to Niddy to look at thank you
24/07/11 Niddy says

25/07/11 CCA Query missing prescribed terms letter sent recorded delivery
02/08/11 Received letter what looks as though they are quoting terms saying they don't class the account as being in dispute and for the purposes of the FOS to consider this as their final response
02/09/11 Recieved genral arrears letter
16/09/11 Received letter from Mercers stating- IMPORTANT-YOU SHOULD READ THIS CAREFULLY - Despite a recent letter from Barclaycard you are still behind with payments etc
26/09/11 Received another letter from Mercers stating - We are dealing with your account on behalf of Barclaycard etc etc, Please note,if you do not contact us, we will be instructing a local debt collector to visit you at the above adress to obtain payment of your debt .
27/09/11 Harrasment & Threat of Doorstep - Visit letter sent to Mercers
06/09/11 Received letter stating- Thank you for taking time to contact us regarding the level of service received from Barclaycard. We are very sorry to learn of your dissatisfaction,your correspondence is being dealt with by this office and we aim to resolve matters by 26 October 2011 etc etc.

18/10/11 Received letter from Barclaycard in response to our Harrasment & Threat of Doorstep Visit letter titled -FINAL RESPONSE I write further to your complaint and respond in my capacity as a Customer Relationship Manager. You have outlined in your complaint that you are unhappy with the level of telephone contact and that everything should be made in writing.You have also stated that you are unhappy regarding visitst to your property.You confirm you confirm that you believe such action would leave Barclaycard in breach of the OFT therefore you revoke permision for such a visit etc. Firstly please accept my apologies for any inconvenience that may have been caused by this matter.
If I may explain,your Barclaycard account has become overdue for repayment therefore under these circumstamces Barclaycard needs to contact you to discuss your current situation and potential repayment arrangements .Barclaycard is primarily a telephone based company and as such will attempt to contact customers by telephone as we believe this is the quickest way to resolve any issues.I must confirm that Barclaycard reserves the right to instruct appointed third parties to contact customers on their behalf which also may include home visits. I have duly noted your comments,however I must advise that i do not agree that Barclaycard will breach any legislative guidelines by conducting a home visit etc etc.

09/11/11 Received today another letter from Mercers - Call Us Now to Avoid Further Action As per our previous letter, if you don't contact us or make a payment, your account will be passed to our agents who will visit your property to secure payment on your account.
19/11/11 Received yesterday another letter fron Mercers -YOUR ACCOUNT IS SERIOUSLY IN ARREARS etc Make 3 missing payment and we will credit your account with the remaining 2 etc
23/12/11 Received letter from CALDER FINANCIAL Our clients Barclaycard have reffered your debt to us for continued non payment of your account arrears.Ifyou do not call us,we will close the account and the full ballance will become due immediately etc etc.
04/02/12 Received another Formal Demand for Payment - As you have not coplied with the recent Default Notice,the outstanding balance shown above has become due in full and we demand that you pay this amount to os immediately.Your balance will continue to accrue interest at the current rate until we receive this payment.We will no longer send statements to you etc etc
04/02/12 Threat by Creditor - To Commence Litigation letter sent
09/02/12 Received a letter in response to the above also containing the letter received on 02/08/11 as it is a rater long letter i will scan it and send it to Niddy
17/02/12 Received letter from Barclaycard -Your Barclaycard has now been passed to Credt Solution Ltd to manage etc etc.
22/02/12 Received letter from Credit Solutions- IMPORTANT NOTICE-We act as agents for Barclay's Bank trading as Barclaycard Barclaycard have informed us that you have not complied with the Default Notice they recently sent to you etc etc. Continued non payment could result in more direct methods of recovery including- A DEBT COLLECTOR CALLING ,A COUNTY COURT CLAIM.
03/03/12 Received letter from power2contact- we have been instructed by our client to VISIT YOUR ADRESS TO COLLECT THE ABOVE blah blah blah.
03/03/12 Harassment & Threat of Doorstep-Visit letter sent to power2contact
19/03/12 Received postacard from Power 2 Contact - I CONFIRM I WILL BE CALLING TO DISCUSS THE RECENT COMMUNICATION FROM CSL - ON ---- WEDNESDAY ------BETWEEN 9.00AM - 9.OOPM
23/03/13 Received a letter from Credit Solutions - OPPORTUNITY TO SAVE £££'S - Despite our numerous attempts to contact you etc etc. We have the opportunity to offer you a discount on the balance shown to help you finally clear this debt once and for all.etc etc.
12/04/12 Received a letter from Credit Solutions - NOTICE OF LEGAL PROCEEDINGS - the above debt remains outstanding, failure to pay within 7 days may result in legal proceedings being issued against you etc. etc.
13/04/12 Sent Threat-o-Gram Letter Before Action to Credit Solutions.
14/04/12 Received a letter from power2contact - FORMAL NOTICE OF INTENDED VISIT - Credit Solutions Ltd indicate that since our previous letter, you have failed to make a suitable arrangement to repay your outstanding debt. I write to inform you that we have been instructed to visit you at the above adress in an attempt to make a Financial Evaluation prior to any potential Legal Proceedings. etc etc.
25/04/12 Received a letter from Credit Solutions - offer of settlement - our client has advised us that in order to bring the above issue to a speedy conclusion, they are prepared to offer a substantial discount for an immediate payment .etc etc
12/07/12 Received a letter from Barclaycard : I am writing to inform you the above account was assigned and transferred by Barclaycard to MKDP LLP.MKDP LLP has appointed MK Rapid Recoveries as their servicing agent to manage your account on their behalf etc etc.
03/08/12 Received a letter from MK Rapid Recoveries : Further to our recent communication regarding transfer of ownership of your balance we have not yet received your offer of payment etc etc. Until we reach an agreement to clear this balance we will continue to contact you by telephone or letter so we would advise you contact us to resolve this matter.
06/08/12 Account Sold whilst in Dispute & Harassment by Telephone letters sent to MKRR.
14/08/12 Received a letter from MKDP: We are in receipt of your recent correspondence in regards to the outstanding balance stated above.
At this time we are unable to resolve your query, which reqires further in vestigation.We will be liasing with the Original Creditor where applicable and we will contact you as soon as we receive a response et etc.
06/11/12 Received another letter from MKDP: At this time as we are still unable to resolve your query . We are however currently liasing with the Barclaycard , and we will contact you as soon as we receive a response etc etc.
02/02/13 Received from MKDP :
Further to your recent communication, please find enclosed documents you have requested.
Statements of account
A copy of the Credit Agreement has been requested from the original creditor and this will be forwarded to you on receipt .
We request you contact us etc etc.
25/02/13 Received from MKDP: I write further to our letter of acknowledgement we sent you in regards to the above account. At this time we must apologise as we are still unable to resolve your query. etc etc
04/04/13 Received from MKDP: I write further to our letter of acknowledgement we sent you in regards to the above account. At this time we must apologise as we are still unable to resolve your query. etc etc
09/05/13 Received from MKDP: I write further to our letter of acknowledgement we sent you in regards to the above account. At this time we must apologise as we are still unable to resolve your query. etc etc
12/06/13 As above
19/07/13 Received from MKDP: I write further to our letter of acknowledgement we sent you in regards to the above account. At this time we must apologise as we are still unable to resolve your query. etc etc
28/08/13 As above.
03/10/13 As above
07/11/13 As above
09/12/13 As above
14/01/14 As above
22/02/14 As above
29/03/14 As above
12/05/14 As above
11/06/14 As above
21/08/14 As above
10/09/14 Received from MKDP Final response with a reconstituted copy of agreement by recorded delivery
11/09/14 Received from MKDP: Further to our letter of acknowledgment sent to you in regard to the above account, we write to advise you on the progress of your dispute.
At this time, we apologise, as we are still unable to resolve your dispute etc etc
29/09/14 Received from MK Rapid Recoveries: FINAL NOTICE - As you have not taken up our offer of help we have no option but for your account to now be referred to Keynes Collections for litigation consideration to resolve this on our behalf. They may commence litigation against you which will increase the amount payable due to costs incurred etc etc.
30/09/14 Sent CCA request to MKRR
09/10/14 Received from MKDP: see attachment
17/10/14 Sent Missing Prescribed Terms to MKRR
28/10/14 Received NOTICE OF INTENDED LEGAL ACTION from Keynes Collections
19/11/14 Sent a letter to MKRR asking them to write off the debt
26/11/14 Received a letter writing off the debt

**caspar** · 14 July 2011, 17:50

Re: What2donext / UE Diary

Re post 9 and the signature you need to send this: Unenforceability Templates - Section 1

**what2donext** · 14 July 2011, 18:00

Re: What2donext / UE Diary

Thank you Caspar we will send - CCA Request Demand of Signature By Creditor -
letter by recorded delivery tomorrow

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What2donext / UE Diary

What2donext / UE Diary

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