What2donext / UE Diary

[Deepie]

Re: What2donext / UE Diary

Thanks Deepie we will wait until the new template letters are up and running

I'd send this if it were me---------> http://www.all-about-debt.co.uk/inde...on-forthcoming

[what2donext]

Re: What2donext / UE Diary

hold fire for a day or two....new template letters should be here....

Thanks Deepie we will wait until the new template letters are up and running

[Deepie]

Re: What2donext / UE Diary

Good afternoon everyone a quick update on the above account do we send letter before action to hl solicitors any help would be very much appreciated thanks

hold fire for a day or two....new template letters should be here....

[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 .
06/03/13 Received from Experto Credite: Further to our previous letter MBNA have confirmed that they fullfilled a section 78 in July 2011 ans also responded to your letter challengeing the validity of the agreement. MBNA have confirmed their belief that the agreement provided to you was a legible, true copy of the agreement which also contained all the prescribed terms.
Based on the information provided to us by MBNA , we have no reason to believe this debt is not enforceable and do not believe there is any outstanding dispute. The enforedeability of the account can only be decided by a court.
Your belief that this debt may not be enforceable does not stop collections activity from continuing and we believe that the above debt remains due.
21/03/14 Received from Experto Credite: Arrears notice
05/04/14 Received from HL Solicitors:We have been instructed by our client Experto Credite Limited who ar asset managers for Varde Investments the legal owners of the above outstanding account.
Our client has been unable to obtain a satisfactory settlement from you and as as your account is in default, the full amount outstanding is payable immediately. etc etc
Should payment nor be made, then we may recommend to our client that legal proceedings are issued against you in the County Court claiming the full amount outstanding together with interest and costs etc

Good afternoon everyone a quick update on the above account do we send letter before action to hl solicitors any help would be very much appreciated 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.
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

God morning everyone a quick update on the above account just received the same letter for the 15th time we will wait and see how many more they send. thanks

[Never-In-Doubt]

Re: What2donext / UE Diary

Scan and send it me please. Try and relax.

[PlanB]

Re: What2donext / UE Diary

Have a look at this ---> http://forums.all-about-debt.co.uk/s...l=1#post364681.

What2donext since this is a credit card debt and not a bank account you need to change the wording in that letter from section 77 to section 78 in the fifth paragraph before the end.

I sent two of these letters to Keynes last week and I'm waiting for their response which I hope will come as a letter not a claim form

[Undercover Elsa]

Re: What2donext / UE Diary

Dunno what happened there but I didn't see the above post by Deepie etc...
^^^ Wot he said...

Good luck What2donext xxx

[Undercover Elsa]

Re: What2donext / UE Diary

It claims to be issued under CPR so I think it's appropriate to send this response: http://forums.all-about-debt.co.uk/s...-action-letter

[what2donext]

Re: What2donext / UE Diary

Have a look at this ---> http://forums.all-about-debt.co.uk/s...l=1#post364681

That's what I'd be sending if it were me.....

Cheers Deepie and PlanB that's what I was looking for I have just got it ready and in todays post lets see what they come back with

[Deepie]

Re: What2donext / UE Diary

Good afternoon everyone another update on the above account Keynes collections have sent NOTICE OF INTENDED LEGAL ACTION any help as to what to respond with would be very much appreciated as always thanks

Have a look at this ---> http://forums.all-about-debt.co.uk/s...l=1#post364681

That's what I'd be sending if it were me.....

[what2donext]

Re: What2donext / UE Diary

What's the date on Keynes letter and does it give you 14 days from that date to pay (or arrange to pay) otherwise they will issue legal proceedings? If it is a LBA then we have a specific response letter on here to send back.

Thanks PlanB it gives us 14 days from the date of the letter which is dated 19th March to pay the exact phrasing is as follows :This letter requires your immediate attention. 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 further warning and your liability for costs may increase. Thanks again

[CleverClogs (RIP)]

Re: What2donext / UE Diary

we then found this site with the help of Caspar

When he was not on one of his naked rambles?

[PlanB]

Re: What2donext / UE Diary

What's the date on Keynes letter and does it give you 14 days from that date to pay (or arrange to pay) otherwise they will issue legal proceedings? If it is a LBA then we have a specific response letter on here to send back.

[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.

Good afternoon everyone another update on the above account Keynes collections have sent NOTICE OF INTENDED LEGAL ACTION any help as to what to respond with would be very much appreciated as always thanks