What2donext / UE Diary

[ScabHunter]

Re: What2donext / UE Diary

Good morning everyone a quick update above on this account should we send Threat-O-Gram Letter Before Action to Keynes Collections, whom we suspect are the same company as MKRR as their address is the same thanks.

Your suspicion is correct.

That letter is almost certainly a scare-o-gram, as it uses the word 'may'. If you look at MattyA's diary, he has received the same letter from the same rabble on the same day. This would suggest a mass mailing of threats, rather than a serious plan to take legal action. However, I would still treat it as a formal letter of claim and compose a bespoke reply.

I'll extend the same offer to you that I extended to MattyA – If you need any help composing the reply, I can do that, or I can look over something you have written.

SH

[MrsD]

Re: What2donext / UE Diary

i would send the threatogram

or compose a reply to the LBA

as here

allaboutFORUMS - View Single Post - Slickfm UE Diary

there have been a few of these popping up

[what2donext]

Re: What2donext / UE Diary

What did you receive in reply to your missing prescribed terms?

Thanks MrsD see http://forums.all-about-debt.co.uk/s...&postcount=663
We received that letter plus a load of statements and reconstituted agreement the same as we received on the 22/02/13 which when Niddy looked at it his reply was http://forums.all-about-debt.co.uk/s...&postcount=654

[MrsD]

Re: What2donext / UE Diary

What did you receive in reply to your missing prescribed terms?

[what2donext]

Re: What2donext / UE Diary

Barclaycard Credit Card (Mrs)
Dated Commenced - 14.6.99
Approx. Balance - £3138
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.

Good morning everyone a quick update above on this account should we send Threat-O-Gram Letter Before Action to Keynes Collections, whom we suspect are the same company as MKRR as their address is the same thanks.

[The Tech Clerk]

Re: What2donext / UE Diary

Smart arse

Maybe there was another reason why I didn't get to sleep on the night of February 29th 2012

How many will catch on to that one?

[PlanB]

Re: What2donext / UE Diary

At least in 2012 you got one night's sleep, then

Smart arse

Maybe there was another reason why I didn't get to sleep on the night of February 29th 2012

[ScabHunter]

Re: What2donext / UE Diary

365 = number of sleepless nights per year since 2009 but it's been worth it

At least in 2012 you got one night's sleep, then

SH

[PlanB]

Re: What2donext / UE Diary

Thanks Plan B we had this conversation quite a while back just after you had won your case, we said at the time your judgement really gives us all a little more confidence in going the UE route, as you say let battle commence or let them surrender

UE is all about confidence (and lack of CCAs obviously ) and I'm going to start my own "Two Years On Diary" shortly but here's a sneak preview of my stats:

£153k = total amount of debts owed

23 = number of accounts (credit cards & loans)

£71,358.07 = No CCA and/or creditor admits UE

£60,528.14 = (probably) UE based on rubbish/forged recons

£0.0p = amount paid to creditors since June 2010

3 = number of years to SB

365 = number of sleepless nights per year since 2009 but it's been worth it

So keep going

Plan B x

[The Tech Clerk]

Re: What2donext / UE Diary

Always remember somewhere we were on and a peep asked how Plan B new what happened in that case, = answer:- I was stood next to solicitor. = Beautiful incontext!

[what2donext]

Re: What2donext / UE Diary

I'm guessing this was a M&S storecard which was "totally transformed" into a credit card in 2003 without any new agreement signed which is the real reason why it's UE?

Mine was sold to Arrow today too. Maybe the penny has finally dropped (Santander vs Mayhew) and M&S are offloading 2.5 million junk accounts
Let battle commence (again)

I knew I'd seen it somewhere

Thanks Plan B we had this conversation quite a while back just after you had won your case, we said at the time your judgement really gives us all a little more confidence in going the UE route, as you say let battle commence or let them surrender, also thanks to all other members who's comments are much appreciated

[PlanB]

Re: What2donext / UE Diary

Seen a M&S store/creditcard with Sigma SPV which was at court get discontinued by the DCA today. Finally admitted it was a Mayhew.

^^^^ I've found it Have you been reading CAG

http://www.consumeractiongroup.co.uk...=1#post4195120

[PlanB]

Re: What2donext / UE Diary

Seen a M&S store/creditcard with Sigma SPV which was at court get discontinued by the DCA today. Finally admitted it was a Mayhew. . . .

. . . Its had the DCA's all of a twitter for the last year.

Go on. I'm all ears

[The Tech Clerk]

Re: What2donext / UE Diary

Only this time around it would be a DIY job because this week the Small Claims Court limit increased to £10k so no CFA available from solicitors since no legal costs can be ordered by the court even if you win if your debt is below £10k

Exactly!

[ken100464]

Re: What2donext / UE Diary

Seen a M&S store/creditcard with Sigma SPV which was at court get discontinued by the DCA today. Finally admitted it was a Mayhew.

Really hope this is the long awaited compliance starting.

Its had the DCA's all of a twitter for the last year.

Bout time they started admitting a dogs dinner is a dogs dinner and not pretending its something fit for a queen.