What2donext / UE Diary

[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?

[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

[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

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

[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

[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

[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

[Never-In-Doubt]

Re: What2donext / UE Diary

Scan and send it me please. Try and relax.

[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

[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

[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

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

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

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

Cheers Deepie
It wont let me access it for some reason I log in and I get message you are not authorised to view this resource any ideas how to get into it
Thanks

[Deepie]

Re: What2donext / UE Diary

Cheers Deepie
It wont let me access it for some reason I log in and I get message you are not authorised to view this resource any ideas how to get into it
Thanks

Let me look into it......