What2donext / UE Diary

[what2donext]

Re: What2donext / UE Diary

when did you last do a CCA Request mate?

Thanks Niddy we have only ever sent one CCA request to Barclaycard

[PlanB]

Re: What2donext / UE Diary

we will wait until someone has a look at the documents

It seems you've only ever sent one CCA request which was to Barclaycard in July 2011.

I can't see any CCA request sent to MKDP since they bought the debt in July 2012. Is that right?

Barclaycard sent me something vaguely enforceable in 2011, but when I sent a new CCA request to MKDP last year they couldn't find anything meaningful to send me

I've not heard back from them since.

[Never-In-Doubt]

Re: What2donext / UE Diary

when did you last do a CCA Request mate?

[what2donext]

Re: What2donext / UE Diary

As far as I can tell from what I have read on another thread, Niddy is not back until the weekend.SH

Thanks SH we will wait until someone has a look at the documents
Cheers
What2do

[ScabHunter]

Re: What2donext / UE Diary

As far as I can tell from what I have read on another thread, Niddy is not back until the weekend.

Obviously, this last letter is silly and won't need replying to. I still think you need to send some kind of response to the 'Final Response' one, but exactly what that should be will depend on whether the two sets of documents match.

SH

[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.
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

Good afternoon everyone another update for the above account after receiving a Final Response dated 5th Sept yesterday, we have received today another letter dated the 9th Sept saying they are unable to resolve the dispute, this is definitely a case of the left hand not knowing what the right hand is doing , we have already uploaded the papers they sent yesterday and the original papers they sent in 2011 for checking to asses what the next move will be any input would be very welcome and much appreciated thanks

[what2donext]

Re: What2donext / UE Diary

MKDP and its associated four-letter obscenities are extremely trigger-happy with court papers, so I would definitely respond to this. Is the recon you've just been sent the same as the CCA you received on 22nd July 2011?

It is vital to get the response right at this stage.

SH

[QUOTE=what2donext;431912]

MKDP and its associated four-letter obscenities are extremely trigger-happy with court papers, so I would definitely respond to this. Is the recon you've just been sent the same as the CCA you received on 22nd July 2011?

It is vital to get the response right at this stage.

Thanks again SH just checked the original documents received July 2011 against what we received today and there are 4 more pages which are different to the original documents we will send them to Niddy to have a look at
Cheers
what2do

Just to let you know that we have uploaded for checking the original letter and terms & conditions received in 2011 and all the paperwork received today
thanks

[what2donext]

Re: What2donext / UE Diary

[QUOTE=ScabHunter;431898]MKDP and its associated four-letter obscenities are extremely trigger-happy with court papers, so I would definitely respond to this. Is the recon you've just been sent the same as the CCA you received on 22nd July 2011?

It is vital to get the response right at this stage.

Thanks again SH just checked the original documents received July 2011 against what we received today and they look exactly the same as the original documents but we will send them to Niddy to have a look at to be on the safe side
Cheers
what2do

[ScabHunter]

Re: What2donext / UE Diary

Good afternoon everyone a quick update on the above account after 2 years of them sending the same letter they have now sent their Final Response with a reconstituted agreement, should we respond or wait for the next instalment thanks

MKDP and its associated four-letter obscenities are extremely trigger-happy with court papers, so I would definitely respond to this. Is the recon you've just been sent the same as the CCA you received on 22nd July 2011?

It is vital to get the response right at this stage.

SH

[what2donext]

Re: What2donext / UE Diary

Ah, I see. So, they didn't send anything out demanding money after sending the appo form in May?

Did Niddy get to see the appo and give his verdict on it?

SH

Hi SH thanks again no they didn't send anything demanding money after sending the documents they sent in May the documents were word for word exactly the same as they had sent on the 22/02/13 which Niddy deemed UE

[ScabHunter]

Re: What2donext / UE Diary

Hi SH and thanks for the reply on the 12th of May they sent a reconstituted agreement and a copy of the Default Notice and said they would send the Notice of Assignment shortly then followed 4 letters saying they could not satisfy our request and then today we have received the copy of Notice of Assignment we hope this clarifies the situation.

Ah, I see. So, they didn't send anything out demanding money after sending the appo form in May?

Did Niddy get to see the appo and give his verdict on it?

SH

[what2donext]

Re: What2donext / UE Diary

Hi SH and thanks for the reply on the 12th of May they sent a reconstituted agreement and a copy of the Default Notice and said they would send the Notice of Assignment shortly then followed 4 letters saying they could not satisfy our request and then today we have received the copy of Notice of Assignment we hope this clarifies the situation.

I'm confused here – according to the time line above, they sent documents on 12th May, yet they've sent two letters since saying they can't satisfy your request? Did you request something other than the agreement, or are they just sending out rubbish?

SH

[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.
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

Good afternoon everyone a quick update on the above account after 2 years of them sending the same letter they have now sent their Final Response with a reconstituted agreement, should we respond or wait for the next instalment thanks

[ScabHunter]

Re: What2donext / UE Diary

I'm confused here – according to the time line above, they sent documents on 12th May, yet they've sent two letters since saying they can't satisfy your request? Did you request something other than the agreement, or are they just sending out rubbish?

SH

[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.
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

Good afternoon everyone a quick update on the above account we received 2 letters today both dated 5th Sept one saying they were unable to fulfil our request the other with a copy of the Notice of Assignment and asking us to contact them, should we respond or wait for their next letter thanks