What2donext / UE Diary

[PlanB]

Re: What2donext / UE Diary

a quick update on the above account we will wait and see what they send next

I agree with you. Why not wait until you hear from Mercantile Data Bureau.

You've already sent dlc several letters including the Missing Prescribed Terms one.

This current letter from dlc isn't threatening anything other than to outsource the debt to MDB. Let them. MDB have little power since they are only a DCA. A few letters to and fro with them should kill a few months.

dlc have previously instructed solicitors who have backed down so they can't be feeling overly confident that the CCA is enforceable despite what they keep saying.

[what2donext]

Re: What2donext / UE Diary

I agree with you. Why not wait until you hear from Mercantile Data Bureau.

You've already sent dlc several letters including the Missing Prescribed Terms one.

This current letter from dlc isn't threatening anything other than to outsource the debt to MDB. Let them. MDB have little power since they are only a DCA. A few letters to and fro with them should kill a few months.

dlc have previously instructed solicitors who have backed down so they can't be feeling overly confident that the CCA is enforceable despite what they keep saying.

Thanks PlanB that sounds like a good idea as they are not threatening anything and as MrsD advised we will send sold in dispute when we here anything from MDB thanks again to both of you for your help

[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
29/09/14 Received from MK Rapid Recoveries: FINAL NOTICE - As you have not taken up our offer of help we have no option but for your account to now be referred to Keynes Collections for litigation consideration to resolve this on our behalf. They may commence litigation against you which will increase the amount payable due to costs incurred etc etc.
30/09/14 Sent CCA request to MKRR
09/10/14 Received from MKDP: see attachment
17/10/14 Sent Missing Prescribed Terms to MKRR
28/10/14 Received NOTICE OF INTENDED LEGAL ACTION from Keynes Collections

Good morning everyone a quick update on the above account any help would be very much appreciated thanks

[PlanB]

Re: What2donext / UE Diary

update on the above account any help would be very much appreciated thanks

Have you sent Niddy a copy of their CCA request response which you received on 9th October to see whether it's still UE (they can sometimes find new documents since your last one was 2011)? If not do that ASAP.

In the meantime frighten the pants off Keynes with our LBA response letter because they do tend to issue proceedings. Anything milder may not work.

Here you go: http://www.all-about-debt.co.uk/inde...ction-response

[Never-In-Doubt]

Re: What2donext / UE Diary

I've suggested we get Andrew to check this so please pdf everything from the CCA Request and lob it in an email to andrew and copy me in mate

atw@all-about-debt.co.uk / webmaster@all-about-debt.co.uk

We'll then help you sort this

[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
29/09/14 Received from MK Rapid Recoveries: FINAL NOTICE - As you have not taken up our offer of help we have no option but for your account to now be referred to Keynes Collections for litigation consideration to resolve this on our behalf. They may commence litigation against you which will increase the amount payable due to costs incurred etc etc.
30/09/14 Sent CCA request to MKRR
09/10/14 Received from MKDP: see attachment
17/10/14 Sent Missing Prescribed Terms to MKRR
28/10/14 Received NOTICE OF INTENDED LEGAL ACTION from Keynes Collections
19/11/14 Sent a letter to MKRR asking them to write off the debt
26/11/14 Received a letter writing off the debt

Good afternoon everyone, an update on the above account, Niddy and Andrew checked the agreement and there was not a lot wrong with it which couldn't be easily rectified so we thought the best way forward was to try and negotiate a settlement, we wrote a letter pointing out my health problems and sent it with a letter from our GP regarding my medical condition and asked MKRR to write off the debt on these grounds, today we received a letter stating they had closed the account and wrote off the debt, a great early xmas present

[Deepie]

Re: What2donext / UE Diary

Good afternoon everyone, an update on the above account, Niddy and Andrew checked the agreement and there was not a lot wrong with it which couldn't be easily rectified so we thought the best way forward was to try and negotiate a settlement, we wrote a letter pointing out my health problems and sent it with a letter from our GP regarding my medical condition and asked MKRR to write off the debt on these grounds, today we received a letter stating they had closed the account and wrote off the debt, a great early xmas present

Hey ......great news .....Merry Christmas

[Still Waving]

Re: What2donext / UE Diary

Excellent news W2dn.

[Never-In-Doubt]

Re: What2donext / UE Diary

Good afternoon everyone, an update on the above account, Niddy and Andrew checked the agreement and there was not a lot wrong with it which couldn't be easily rectified so we thought the best way forward was to try and negotiate a settlement, we wrote a letter pointing out my health problems and sent it with a letter from our GP regarding my medical condition and asked MKRR to write off the debt on these grounds, today we received a letter stating they had closed the account and wrote off the debt, a great early xmas present

BRILLIANT mate - well done

[Undercover Elsa]

Re: What2donext / UE Diary

Yay!! Brilliant news. So pleased for you W2DN!

[ScabHunter]

Re: What2donext / UE Diary

Wow! What wonderful news to cheer me up on such a grey and drizzly evening!

These vermin use the court more often than the karzy. I thought you were in for a hell of a fight with this one.

I nearly didn't log on again this evening as my work is all done. Glad I did now.

SH

[Pixie]

Re: What2donext / UE Diary

Brilliant news what2donext especially with MKDP

[nightwatch]

Re: What2donext / UE Diary

fantastic news, a great Christmas gift xxx

[what2donext]

Re: What2donext / UE Diary

Sygma/Creation Credit Card (Mrs)
Dated Commenced - 25/5/06
Approx. Balance - £5297
Last Full Payment Paid - 23/5/11
DMP Payment Paid - 22/6/11 (no more payments being made)

16/10/12 Received a brief letter from drydens: We acknowledge receipt of your letter and will revert to you as soon as possible.
27/10/12 Received a letter from drydensfairfax: With different terms & conditions we will send them to Niddy it says it is their final response before action..
11/11/14 Sent an offer in full and final settlement after 2 years of wrangling with solicitors
28/11/14 Received a letter from Drydensfairfax see update

Good afternoon everyone a quick update on the above account, after over 2 years of wrangling with solicitors, and creation not willing to give any ground in the settlement offers we sent through the solicitors, we sent an offer ourselves of either £1,000 in full and final or £2,625 payable at £10 per month, they originally wanted £3,000 payable at £35 per month with a voluntary charge, they have today come back with a settlement of £2,000, £1,000 payable now plus another £1,000 payable at £10 per month we have 14 days to decide thanks

[Never-In-Doubt]

Re: What2donext / UE Diary

I've emailed you. Personally this is a result - (isn't it??)