What2donext / UE Diary

[Never-In-Doubt]

Re: What2donext / UE Diary

There are 2.5 million M&S accounts in the same position as you but as I2D has suggested why not wait for the next letter and see what it says

Totally agree. That is what I would do, i.e. sweet feck all

[PlanB]

Re: What2donext / UE Diary

It's definietely helped as I can see what both Niddy and Paul mean.But I can also see why you took the stance you did so for the moment I will take the why tell them what they should know already approach.
Thanks again
What2do

Plan B is "Mayhew" in the Santander vs Mayhew case which was won on the unlawful *upgrading* of a store card to a credit card so I'm close to the subject. There are 2.5 million M&S accounts in the same position as you but as I2D has suggested why not wait for the next letter and see what it says

You've only posted up the first page of that BCW's letter which seems to be a statement of their position and not a solicitor's letter requesting anything in particular with a deadline to meet

[what2donext]

Re: What2donext / UE Diary

This is an approach which Niddy and Paul see differently so I'm not sure what would be the right thing for you to do

http://forums.all-about-debt.co.uk/s...&postcount=134

http://forums.all-about-debt.co.uk/s...&postcount=140

I departed from the template letters in my personal circunstances but I'm not suggesting you do the same

http://forums.all-about-debt.co.uk/s...&postcount=142


I'm sure this post hasn't helped you one little bit

It's definietely helped as I can see what both Niddy and Paul mean.But I can also see why you took the stance you did so for the moment I will take the why tell them what they should know already approach.
Thanks again
What2do

[PlanB]

Re: What2donext / UE Diary

Thanks In2deep & Plan B it was definitely a store card which then became a credit card but I never received another agreement I may have a look at adapting the template letter to include something about it being the Credit Card CCA I require not the storecard application form just to see what they come back with.

This is an approach which Niddy and Paul see differently so I'm not sure what would be the right thing for you to do

http://forums.all-about-debt.co.uk/s...&postcount=134

http://forums.all-about-debt.co.uk/s...&postcount=140

I departed from the template letters in my personal circumstances but I'm not suggesting you do the same

http://forums.all-about-debt.co.uk/s...&postcount=142


I'm sure this post hasn't helped you one little bit

[what2donext]

Re: What2donext / UE Diary

^^^^I would see what they do next if it were me........

According to your diary it looks like this account was originally a M&S store card opened in 1998 which was substituted by a credit card product in 2003/4. Am I right in thinking the application form sent to you was for the 1998 card and not a fresh one sent to you in 2003/4? Some customers were sent a new CCA to sign so I was just checking this with you to be safe

So far you've been telling the creditor/DCA (Template Letters) that the storecard CCA sent is flawed but you've not said that they haven't sent you the CCA for the credit card product. This is probably why they're being so annoyingly persistant The irony is how can they send you a CCA for the credit card if it never existed in the first place Don't worry because the penny will drop eventually and they'll be in for a rude awakening

Thanks In2deep & Plan B it was definitely a store card which then became a credit card but I never received another agreement I may have a look at adapting the template letter to include something about it being the Credit Card CCA I require not the storecard application form just to see what they come back with.

[PlanB]

Re: What2donext / UE Diary

According to your diary it looks like this account was originally a M&S store card opened in 1998 which was substituted by a credit card product in 2003/4. Am I right in thinking the application form sent to you was for the 1998 card and not a fresh one sent to you in 2003/4? Some customers were sent a new CCA to sign so I was just checking this with you to be safe

So far you've been telling the creditor/DCA (Template Letters) that the storecard CCA sent is flawed but you've not said that they haven't sent you the CCA for the credit card product. This is probably why they're being so annoyingly persistant The irony is how can they send you a CCA for the credit card if it never existed in the first place Don't worry because the penny will drop eventually and they'll be in for a rude awakening

[Deepie]

Re: What2donext / UE Diary

^^^^I would see what they do next if it were me........

[what2donext]

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

Good afternoon everyone an update on the above account uploaded below do we need to respond or wait and see what they send next as it is their final response.

[what2donext]

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.
036/12/12 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.

Good afternoon everyone a quick update on the above account we will wait until MKDP contact us again thanks

[what2donext]

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.
.

Good morning everyone a quick update on the above account we will send - Account Sold whilst in Dispute & Harassment by Telephone -both together. thanks

[what2donext]

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 they also sent OFT guidlines regarding section 77-79 of the Consumer Credit Act .

Good morning everyone a quick update on the above account we will wait and see what they respond with next

[what2donext]

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 adress suplied.
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

Good morning everyone a quick update on the above account it has now been passed to Wescot so we will file and wait until we hear from Wescot thanks

[what2donext]

Re: What2donext / UE Diary

Threat-o-Gram Letter Before Action .............

Cheers In2deep just posted that lets see what they reply with

[Deepie]

Re: What2donext / UE Diary

Good morning everyone a quick update on the above account do we need to send Account sold in whilst dispute or Threat-o-Gram Letter Before Action thanks

Threat-o-Gram Letter Before Action .............

[what2donext]

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

Good morning everyone a quick update on the above account do we need to send Account sold in whilst dispute or Threat-o-Gram Letter Before Action thanks