What2donext / UE Diary

[ScabHunter]

Re: What2donext / UE Diary

Food colouring...

Indeed, but possibly.....second-hand???

SH

[CleverClogs (RIP)]

Re: What2donext / UE Diary

Food colouring...

[what2donext]

Re: What2donext / UE Diary

You just have a letter waiting for them?

Why not a jerry with yellow-tinted water in it?

[CleverClogs (RIP)]

Re: What2donext / UE Diary

Not as yet SH, they have threatened on a couple of occasions, we have a copy of the Harassment & Threat of Doorstep-Visit letter printed in bold red writing just in case.Before we joined AAD we would have been s*itting ourselves at the thought of them knocking it just shows what AAD also does for your confidence.

You just have a letter waiting for them?

Why not a jerry with yellow-tinted water in it?

[what2donext]

Re: What2donext / UE Diary

That is a flag that they know they are stuffed.



Just out of interest, did anyone from Power2BuggerOffAgain ever turn up?

SH

Not as yet SH, they have threatened on a couple of occasions, we have a copy of the Harassment & Threat of Doorstep-Visit letter printed in bold red writing just in case.Before we joined AAD we would have been s*itting ourselves at the thought of them knocking it just shows what AAD also does for your confidence.

[ScabHunter]

Re: What2donext / UE Diary

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

That is a flag that they know they are stuffed.

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.

Just out of interest, did anyone from Power2BuggerOffAgain ever turn up?

SH

[what2donext]

Re: What2donext / UE Diary

a whole 55% wow

Maybe 99.9% and you'll consider eh?

Ignore both ............

Thanks Niddy & In2deep for your swift replies we may consider 100%

[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 from Hillsden/dlc 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

Received the above today we will just wait and see if they find the correct documentation. thanks

[Deepie]

Re: What2donext / UE Diary

Good morning everyone receive the above today offering a discount of 55% we will just wait and see what they send next.

a whole 55% wow

Maybe 99.9% and you'll consider eh?

Ignore both ............

[Never-In-Doubt]

Re: What2donext / UE Diary

a whole 55% wow

Maybe 99.9% and you'll consider eh?

[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

Good morning everyone receive the above today offering a discount of 55% we will just wait and see what they send next.

[what2donext]

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

Good afternoon everyone received the above today we will just ignore and see what they send next. thanks

[diddlydee]

Re: What2donext / UE Diary

Aye, ignore for now

[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

Good morning everyone received the above today we will just file away and see what they send next.thanks

[Never-In-Doubt]

Re: What2donext / UE Diary

Good afternoon everyone received the above today we will just wait until they send their detailed reply.thanks

Just ignore it