What2donext / UE Diary

[what2donext]

Re: What2donext / UE Diary

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

It is mate definitely better than we were expecting

[what2donext]

Re: What2donext / UE Diary

Marks & Spencer Credit Card (Mrs)
Date Commenced - 5.5.98
Approx. Balance - £2834
Last Full Payment paid - 26.5.11
DMP Payment paid - 22.6.11 (no more payments being made)

07/07/11 CCA request sent
21/07/11 Received CCA but looks like its application form and terms and conditions, delivered by recorded delivery printed name not signed, will email cover letter and application/cca to Niddy
24/07 11 Niddy says presume it is
25/07/11 CCA Query terms and conditions received letter sent by recorded delivery
09/08/11 Received letter with further copy of same application form and terms in response to CCA Query terms and conditions letter stating "M&S Money believe that your agreement is legally enforceable"
03/09/11 Received letter re: arrangement on account, interest charges resumed must repay full arrears immediately, please call immediately, if we don't hear from you we'll send default notice etc
17/09/11 Receieved Default Notice which states "IF THE ACTION REQUIRED BY THIS NOTICE IS TAKEN BEFORE THE DATE SHOWN NO FURTHER ENFORCEMENT ACTION WILL BE TAKEN IN RESPECT OF THE BREACH ETC"
21/09/11 CCA Query Missing Prescribed Terms letter sent via recorded delivery
29/09/11 Received letter in response to CCA Query Missing Prescribed Terms letter with the same completed application form and what looks like an updated blank application form.
13/10/11 Recieved today - Statutory Arrears Notice x 2 one dated 01/8/11 the other dated 01/10/11
15/10/11 Received letter from M&S Pre Legal Recoveries - The collections and recoveries department at M&S Money has instucted me to contact you about your account.Due to the serious arrears which are outstanding , Iam planning to instuct our agents to visit your home address. However you still have an opportunity to prevent this. Please contact us etc etc.
17/10/11 Harrasment & Threat of Doorstep - Visit letter sent to M&S Pre legal Recoveries via recorded delivery
02/11/11 Received another letter from M&S Pre Legal Recoveries stating - Thank you for your recent correspondence. We would like to talk to you before we act on the contents of your letter and request you telephone us. It is vital that you telephone in response to this letter, as action to recover any outstanding payment will continue until we have spoken to you. Obviously, given the fact that you have contacted us, we would rather that this did not happen. I must advise you, However, that we are unable to enter into any further correspondence regarding the exact contents of your letter and this is why you must telephone us. We look forward to hearing from you within the next five working days.
03/11/11 Sent reply Niddy wrote via recorded delivery
18/11/11 Received another letter form M&S Pre Legal Recoveries - Thank you for your letter dated 16th October, we have responded to your previous correspondence via letter on 20th July, 8th Aug, 29th Sept. To prevent further recovery action we will require a payment towards your account and an up-to-date breakdown of your I & E. etc etc. You will receive reminder letters and telephone calls about arrears on your account etc. etc.
19/11/11 Received another letter from M&S Money in reply to letter Niddy wrote 03/11/11 will upload in update.
26/11/11 Received another letter from Pre Legal Recoveries uploaded in update
07/12/11 Received Statuatory Arrears Notice
07/12/11 Received FINAL DEMAND
08/12/11 Received letter posted below
30/12/11 Received letter from Moorcroft Debt Recovery see below
30/12/11 Sent Threat by Creditor - Threat-o-Gram Letter Before Action
06/01/12 Received letter from Moorcroft -We acknowledge receipt of your correspondence, please be assured that your account is now on hold whilst we investigate etc etc
17/02/12 Received a letter from Moorcroft regarding the above account - I write in response to your recent query in relation to the above accountand can confirm we have been in contact with M&S Financial Services and they have advised that they have provided documents under the Consumer Credit Agreement S77/78 and they do believe the agreement is enforceable and the balance is correct and due.I can therefore confirm I have placed the account on hold foe 2 weeks and request you make contact with our call centre to discuss a repayment proposal.Please be aware that if contact is not made within this time scale our follow up of this account will recomence.
14/03/12 Received a letter from Mooorcroft - IMPORTANT INFORMATION - POSSIBLE LITIGATION if you do not contact us following this letter we may have no alternative other than to recomment to our client that solicitors issue legal action against you .etc etc then a list of charges
14/03/12 Sent - Threat by Creditor - Enough is Enough Response
22/03/12 Received from Moorcroft today- Thank you for your recently received letter requesting a copy of the credit agreement .However,
under the Consumer Credit Act 1974 you must provide a £1 fee before the request can be actioned. etc etc
07/04/12 Received another letter from Morcroft- MONTHLY INSTALMENT OFFER -As we have not received any communication from you with regards to your outstanding account.In order to stop our recommending to our clients that solicitors commence legal proceedings we are prepared to accept payments of £120 per month. etc etc
19/04/12 Received a letter from Midas Credit Services - LITIGATION WARNING -We are part of the Moorcroft group and are aware that you have failed to reach a repayment agreement with Moorcroft Debt Recovery Ltd concerning the above account. We are now reviewing the account prior to the possible recommending of legal action by external solicitors acting on behalf of our clients Failure to contact Mooroft Debt Recovery Ltd by the 24/04/12 may result in the issue of legal proceedings without further notice etc etc.
20/04/12 Sent Threat by Creditor - To Commence Litigation Response
26/04/12 Received a letter from Moorcroft -Thank you for your recent letter requesting a copy of the credit agreement.However under the Consumer Credit Act 1974 you must provide a £1.00 fee before the request can be actioned, please make the fee payable to the above client.Consequently if you submit the prescribed payment we will gladly process your request.
11/05/12 Received a letter from Moorcroft Home Collections Division- Our records show that despite our previous letters you have failed to make any apyment to us and therfore your account has now been passed to our Home Collections Division for action.This may involve our local representative calling at your home etc etc .
11/05/12 Sent Harrasment & Threat of Doorstep - Visit letter to Moorcroft.
18/05/12 Received a rather long winded letter from Moorcroft
29/05/12 Sent - Final Response - UE (CCA Received) to Moorcroft
07/6/12 Received another letter from Moorcroft : Thank you for your recent letter requesting a copy of the credit agreement. However, under the Consumer Credit Act 1974 you must provide a £1.00 fee before the request can be actioned, please make the fee payable to the above client. Consequently if you submit the prescribed payment we will gladly process your request.
08/06/12 Sent a short letter reminding them that we have already sent CCA request to M&S.
12/06/12 Received a letter from Moorcroft - We acknowledge receipt of your further correspondence regarding the above account.
Firstly, we can confirm that our records do show that we responded in full confirming both our and our client's position in relation to this account onthe 16/05/12.Our records also show that a seperate response was sent to you by our CCA team on the31/05/12 requesting you provide a £1.00 statutory fee, made payable to our client, so that we could further assist you in your request.
However, following receipt of your further correspondence, it is clear that you do not wish to discuss this account further with us. Therefore we believe the most sensible course of action would be to return your account to our client so this matter can be resolved as efficiently as possible.
We would reiterate that your account is now closed on our system and you will receive no furthercontact from us in connection to this matter. We would now stress that any further recovery action would now rest with our client.
12/07/12 Received a letter from Red Castle Recoveries /bcwgroup : You will be aware that M&S has recentlytransfered your above numbered account to us.
We are writing to you to advise that the responsibility for managing your account on a day to day basis has now been transferred to : Buchanan Clark & Wells
17/07/12 Received a letter from Buchanan Clark & Wells : We have been instructed by M&S Money to recover an outstanding amount on their behalf.
Our clients have informed us that they are unaware of any legitimate reason for non paymentof their account and they would prefer an amicable settlement.They have also granted Buchanan Clark & Wells access to your financial information held with a Credit Reference Agency. contact us etc etc
17/07/12 Sent - Account Sold Whilst in Dispute to BCW
26/07/12 Received a letter from BCW : I write with regard your recent communication concerning the above account. I can hearby confirm your concerns have been duly recorded on our filing system and the issue is being currently investigated further. In the meantime I can confirm I have authorised a "cease all actoin"instruction to be placed on your account with immediate effect etc etc.
17/08/12 Received a letter from BCW: Final Response
29/08/12 Received a letter from BCW: We wrote to you recently regarding your outstanding balance etc etc.
08/09/12 Received another leter from BCW: You have failed to respond to our numerous attempts to contact youregarding your outstanding balance. A report will be returned to M&S Money with a recomendation of further recovery action they will use this report to determine the nexzt course of actionwhich may involve etc etc.
Given the age of this account our client has informed us that they will considera discounted settlement to draw the matter to a conclusion.
10/09/12 Final Response - Uneforceable (CCA Received ) sent to BCW
07/12/12 Received a letter from M&S : Our agreement is compliant with the Consumer Credit Act 1974.
It then goes on to state all the reasons they deem the account to be enforceable and that as they have provided the requested document normal collection action will continue. M&S Money believe that your agreement is legally enforceable and as such refute Your allegations.
10/12/12 Creditor Refusal to Accept UE Status sent to M&S.
15/01/13 Received a letter from M&S Bank: See attached below
02/04/13 Received a letter from M&S: Iam writing to inform you that the above account has been sold by M&S Financial Services plc to Arrow Global Ltd on the 28th February 2013.
This means that the effective owners of the above account are now Arrow Global Ltd.
Arrow Global Ltd have appointed Wescot Credit Services as their sevicing agent etc etc.
14/6/13 Received a letter from Wescot: Wescot Credit Services is a specialist DEBT COLLECTION organisation. We have been instructed by our client to collect the outstanding balance on their behalf.
You should read both sides of this notice carefully, follow the instructions and reply IMMEDIATELY.etc etc
15/06/13 Sent - Account Sold Whilst in Dispute to Wescot
27/06/13 Received from Wescot :Thank you for your recent contact with regard to the above account. We will suspend all collections activity on the above account whilst the matter is under investigation etc etc
25/09/13 Received from Wescot: We refer to your recent communication.Having contacted our client they have advised no Consumer Credit Act request has been received. Please can you resend the request.
We have placed a hold on the account for 14 days.
25/09/13 Sent short letter refering them to our CCA request sent to M&S.
09/10/13 Received from Wescot:We refer to your recent communication. In order to refer your request to our client, you are required to attach the £1.00 statutory fee payable by either cheque or PO.
The fee should be made payable to our client, with your request for a copy of the signed agreement included. I have enclosed the previous request you provided. A hold has been placed ont the account for 14 days to enable you to provide this.
15/10/13 Received from Wescot : FINAL NOTICE Despite previous correspondence etc etc this may lead to A door step collector or Either us or our client taking legal action.etc etc
18/10/13 Sent another letter referring them to our CCA request stating the £1.00 fee had been paid.
28/10/13 Received from Wescot: Received 2 letters one dated 24/10/13 the other dated 25/10/13 both saying the account is on hold awaiting a response from M&S
27/01/14 Received from Wescot: We are awaiting further information from our client etc.
29/05/14 As above
26/06/14 As above
29/0714 As above
19/09/14 As above
12/01/15 Received from Wescot: We write to inform you we are no longer dealing with your account and request you contact our client

Good evening everyone a quick update on the above account we will just wait and see who gets in touch next thanks

[nanna58]

Re: What2donext / UE Diary

Ping pong again x

[Grassy_K]

Re: What2donext / UE Diary

Heh, heh! Nice result there what2donext.

[Pixie]

Re: What2donext / UE Diary

Hopefully you'll be waiting a very long time

[SaltnVinegar]

Re: What2donext / UE Diary

Hi there

All quiet on the western front? Any news?

Best
SnV

[what2donext]

Re: What2donext / UE Diary

MBNA Credit Card 2 (Mrs)
Date Commenced - 9/3/01
Approx. Balance - £5036
Last Full Payment paid - 6/6/11
DMP Payment paid - 28/6/11 (no more payments being made)

07/07/11 CCA request sent
21/07/11 Received letter requesting additional info and IE form to be completed and signed guessing we ignore again
22/07/11 Received CCA will email to Niddy to look at thankyou
24/07/11 Niddy says
25/07/11 CCA Query missing prescribed terms letter sent recorded delivery

07/11/11Received letter stating - Thank you for your letter dated 29th July 2011 in res[ect pf the agreement referred to above. In your letter you claim that we have not supplied a true copy of your original credit agreement. To confirm, the document enclosed with our recent letter is a copy of the executed agreement that you signed when you decided to take out a credit card with MBNA Europe Bank. You have been provided with a true copy of your credit agreement. Furthermore the "Financial and Related Conditions" set out on the credit agreement are the key terms which, under Schedule 6 of the Consumer Credit (Agreements) Regulations 1983, were prescribed to be included int he credit agreement that you signed. These key terms set out how your credit limit is decided, your minimum payment obligation and your interest rates. When you were sent your credit agreement for signature, these key terms were also repeated in a full set of the Terms and Conditions of your credit agreement which were conveniently set out separately in a document for you to keep. A copy of these terms was enclosed in our previous response. In your letter you state that the copy of the agreement we provided is illegible. We can confirm that we are satisfied that the copy of the agreement we provided is legible. MBNA are satisfied that the regulated credit agreement into which we entered with you satisfies all relevant legal and regulatory requirements. As such, we shall continue to administer this account as normal. We also expect you to continue to make payments to us as they fall due, if you fail to do so, please note that any arrears will be reported to the Credit Reference Agency.
12/12/11 Received Default Notice
15/02/12 Received letter - Your credit agreement has been terminated you will no longer receive statements and we have registered a default at the CRA .It then goes on to what recovery action they may take -Sale of Debt - Placement of Debt -Litigation You will be kept informed of any further action.
15/03/12 Received letter from MBNA - We are taking further action to recover your debt.We have decided that we will take the action of selling your debt to another company.We will be transfering ownership to Hillsden Securities Limited.
26/06/12 Received a letter from - dlc -We hearby give notice that this debt has been assigned to Hillsden Securities Ltd, trading as direct legal & collections
This means that MBNA no longer own your account and your account is now owned by dlc.etc etc
16/04/12 Received a letter from dlc-As you have failed to maintain acceptable payment installments on your account, we have made enquiries with the locl land registry and have received formal confirmation that you are a home owner. It is now our intention to commence legal proceedings against you for non payment of this account. Once a County Court Judgement has been obtained, a further application will be made to secure this debt against your financial interest in your property by the way of a Charging Order.
We would like to resolve this matter without the need for legal proceedings etc etc.
16/04/12 Sent Threat to Commence Litigation letter to dlc.
21/04/12 Received letter from Hillsden/dlc -Thank you for your recent letter. I acknowledge receipt of your complaintand will respond within 5 days etc etc
25/04/12 Received an acknowledgment letter in reply to Threat to Commence Litigation letter we sent - Unaware of any outstanding disputes on the account ,We have not received any previous correspondence from you prior to your letter dated 16/04/12, Due to the above we disagree with your claims that we have continued to harass you etc etc. We have referred this mater to MBNA to obtain the necessary documentation in acorrdance with the CCA 1974. This will be provided to you once it becomes available
14/06/12 Received a letter from dlc - Further to our letter dated --April regarding the above account
Please find enclosed a copy of your original agreement, along with current terms and conditions and those applicable at the time of inception.
This now completes our obligations under the Consumer Credit Act 1974 and satisfies your s78 request.
As we have now reached the end of the 8 week timescale to resolve this matter, we would request that you accept this letter along with our letter dated --th April (a copy is enclosed) as our final response.
27/07/12 Received a letter from APLIN STOCKTON FAIRFAX SOLICITORS : We have been instructed by dlc on behalf of Hillsden Securities Ltd formerly MBNA to take necessary steps to recover the outstanding balance.
Our client asks that you contact them either directly by telephone or by writing to them at dlc collections. I f you do not make fullpayment or reach agreement with dlc within 7 days legal proceedings may be commenced without further notice. etc etc
27/07/12 Sent Threat-o-Gram Letter Before Action to APLIN
04/08/12 Received from dlc : Notice of Sums in Arrears
08/09/12 Received a letter from dlc in reponse to letter sent to APLIN : I can advise that we complied fully with your CCA request on the 13th of June which was included in our final response in April for ease of reference i enclose further copies of said letters, copy of original agreement and the original t&c and a copy of the current t&c provided by MBNA. We are happy to rely on enclosed documentation in any legal proceedings.While we did not provide the requested documentation within the time limit stated in your letter, we rectified this breach by providing you with the documentation, which fully complies with your formal request. The debt is now enforceable again. Please note that a formal cca request is to be used only to obtain information about the account and not to be used as a tool to withold payment or to prove that an agreement exists. The account has been used and a debt has been incurred, for which you are liable to pay the balance and MBNA has sent you monthly statements to keep you informed of the balance. Please contact us etc etc .
08/09/12 CCA Query - Missing Prescribed Terms sent to dlc
14/09/12 Received a letter from dlc: Thank you for your letter dated 8 September regarding the above account.
We have already responded to the points raised ; please refer to our letter dated 6 September, which enclosed copy of earlier correspondence dated 24.4.12 and 13.6.12.
In addition I can advise the following:
1. As the above account does not relate to a fixed term agreement, the prescribed terms are now required to be on the face of the agreement.
2. Please refer to the reverse of the agreement where you will find the relevant terms of your agreement
3. Due to the above the agreement supplied to you, it does comply with all regulations set out by the CCA 1994.
4. We are happy to rely on the documents previously provided in any future proceedings.
Any amendments made to the CCA after the agreement was signed would have no legal bearing on its enforceability, consequently as the amendment made to the 1974 Act regarding prescribed terms was not introduced until 2006, this section of the act would not apply to your agreement.
07/08/13 Received Annual Statement of Account
27/08/13 Received a letter from APLIN STOCKTON FAIRFAX SOLICITORS : We have been instructed by dlc on behalf of Hillsden Securities Ltd formerly MBNA to take necessary steps to recover the outstanding balance.
Our client asks that you contact them either directly by telephone or by writing to them at dlc collections. I f you do not make full payment or reach agreement with dlc within 7 days legal proceedings may be commenced without further notice. etc etc
28/08/13 Sent: Threat to Commence Litigation letter to APLINS
12/09/13 Received letter from dlc - thank you for your letter dated 27th August 2013 addressed to our soliciotrs Aplin, Stockton Fairfax. Your correspondence has been passed to us for attention, I can confirm and advise the following: we would like to refer you to our letter dated 6/9/12 and 12/9/12 copies of which are enclosed. We have fully responded to the comments you make again in your letter dated 27/8/13 and the documentation as required under the CCA 1974 had been provided to you. We are satisfied that the documentation provided is enforceable and we are happy to reply on these in any future proceedings. As no valid disputes have been raised the above file remains with our collections team.
12/09/13 Sent to dlc a short letter referring them to our Missing Prescribed Terms letter
26/09/13 Received from dlc:Thank you for your letter dated 12/09/13 regrding the above account. I can confirm and advise the following our response to your letter dated 08/09/12 remains the same.
We maintain our stance that we have fully complied with your request for informaition under the Consumer Credit Act 1974. We enclose another copy of your original credit agreement and current terms and conditions together with the term and conditions applicable at the time of inception.
We believe the agrrement is enforceable and we can see no reason for witholding payments.
Should we not receive your repayment proposals in due course; your account will be referred to our litigation department for assessment.
04/12/13 Received from APLINS : Letter before action.
06/09/14 received a letter from dlc our records show that your account has been placed on hold for an agreed period of time which has now expired please call our customer accounts agents to discuss payment proposals .
It is important that you contact us within 14 days from the date of this letter to avoid further correspondence.
24/09/14 Received from dlc: We have made several attempts to contact you but are yet to agree a suitable repayment plan there may be the option of a reduced settlement of us writing off 50% of your balance dependent on your current financial situation contact us within the next 28 days.
25/10/14 Received from dlc: we note that you are still not in a repayment plan etc etc. we are here to work with you.However if we do not hear from you within 14 days from the date of this letter, we may instruct our agents Mercantile Data Bureau, part of Hillsden Securities ltd to collect the balance on our behalf. This will involve further letters and/or telephone contact.
03/04/15 Received from Ruthbridge: we have been instructed by dlc who have passed the above debt to us for collection etc etc
18/04/15 Received from Ruthbridge :We have received no response to our previous attempts to establish contact with you regarding the unpaid defaulted account above.
In an effort to amicably resolve the situation we are prepared to offer a discount to settle the balance of up to 50% etc ec

Good morning everyone a quick update on the above account we have had 2 letters from Ruthbridge the first one didn't threaten anything the second one offers discounts and lays out what they could do we will send Account sold whilst in dispute unless anyone has any other ideas thanks

[Pixie]

Re: What2donext / UE Diary

SWID sounds good to me

[Never-In-Doubt]

Re: What2donext / UE Diary

SWID sounds good to me

Sounds like a plan

[what2donext]

Re: What2donext / UE Diary

MBNA Credit Card 2 (Mrs)
Date Commenced - 9/3/01
Approx. Balance - £5036
Last Full Payment paid - 6/6/11
DMP Payment paid - 28/6/11 (no more payments being made)

07/07/11 CCA request sent
21/07/11 Received letter requesting additional info and IE form to be completed and signed guessing we ignore again
22/07/11 Received CCA will email to Niddy to look at thankyou
24/07/11 Niddy says
25/07/11 CCA Query missing prescribed terms letter sent recorded delivery

07/11/11Received letter stating - Thank you for your letter dated 29th July 2011 in res[ect pf the agreement referred to above. In your letter you claim that we have not supplied a true copy of your original credit agreement. To confirm, the document enclosed with our recent letter is a copy of the executed agreement that you signed when you decided to take out a credit card with MBNA Europe Bank. You have been provided with a true copy of your credit agreement. Furthermore the "Financial and Related Conditions" set out on the credit agreement are the key terms which, under Schedule 6 of the Consumer Credit (Agreements) Regulations 1983, were prescribed to be included int he credit agreement that you signed. These key terms set out how your credit limit is decided, your minimum payment obligation and your interest rates. When you were sent your credit agreement for signature, these key terms were also repeated in a full set of the Terms and Conditions of your credit agreement which were conveniently set out separately in a document for you to keep. A copy of these terms was enclosed in our previous response. In your letter you state that the copy of the agreement we provided is illegible. We can confirm that we are satisfied that the copy of the agreement we provided is legible. MBNA are satisfied that the regulated credit agreement into which we entered with you satisfies all relevant legal and regulatory requirements. As such, we shall continue to administer this account as normal. We also expect you to continue to make payments to us as they fall due, if you fail to do so, please note that any arrears will be reported to the Credit Reference Agency.
12/12/11 Received Default Notice
15/02/12 Received letter - Your credit agreement has been terminated you will no longer receive statements and we have registered a default at the CRA .It then goes on to what recovery action they may take -Sale of Debt - Placement of Debt -Litigation You will be kept informed of any further action.
15/03/12 Received letter from MBNA - We are taking further action to recover your debt.We have decided that we will take the action of selling your debt to another company.We will be transfering ownership to Hillsden Securities Limited.
26/06/12 Received a letter from - dlc -We hearby give notice that this debt has been assigned to Hillsden Securities Ltd, trading as direct legal & collections
This means that MBNA no longer own your account and your account is now owned by dlc.etc etc
16/04/12 Received a letter from dlc-As you have failed to maintain acceptable payment installments on your account, we have made enquiries with the locl land registry and have received formal confirmation that you are a home owner. It is now our intention to commence legal proceedings against you for non payment of this account. Once a County Court Judgement has been obtained, a further application will be made to secure this debt against your financial interest in your property by the way of a Charging Order.
We would like to resolve this matter without the need for legal proceedings etc etc.
16/04/12 Sent Threat to Commence Litigation letter to dlc.
21/04/12 Received letter from Hillsden/dlc -Thank you for your recent letter. I acknowledge receipt of your complaintand will respond within 5 days etc etc
25/04/12 Received an acknowledgment letter in reply to Threat to Commence Litigation letter we sent - Unaware of any outstanding disputes on the account ,We have not received any previous correspondence from you prior to your letter dated 16/04/12, Due to the above we disagree with your claims that we have continued to harass you etc etc. We have referred this mater to MBNA to obtain the necessary documentation in acorrdance with the CCA 1974. This will be provided to you once it becomes available
14/06/12 Received a letter from dlc - Further to our letter dated --April regarding the above account
Please find enclosed a copy of your original agreement, along with current terms and conditions and those applicable at the time of inception.
This now completes our obligations under the Consumer Credit Act 1974 and satisfies your s78 request.
As we have now reached the end of the 8 week timescale to resolve this matter, we would request that you accept this letter along with our letter dated --th April (a copy is enclosed) as our final response.
27/07/12 Received a letter from APLIN STOCKTON FAIRFAX SOLICITORS : We have been instructed by dlc on behalf of Hillsden Securities Ltd formerly MBNA to take necessary steps to recover the outstanding balance.
Our client asks that you contact them either directly by telephone or by writing to them at dlc collections. I f you do not make fullpayment or reach agreement with dlc within 7 days legal proceedings may be commenced without further notice. etc etc
27/07/12 Sent Threat-o-Gram Letter Before Action to APLIN
04/08/12 Received from dlc : Notice of Sums in Arrears
08/09/12 Received a letter from dlc in reponse to letter sent to APLIN : I can advise that we complied fully with your CCA request on the 13th of June which was included in our final response in April for ease of reference i enclose further copies of said letters, copy of original agreement and the original t&c and a copy of the current t&c provided by MBNA. We are happy to rely on enclosed documentation in any legal proceedings.While we did not provide the requested documentation within the time limit stated in your letter, we rectified this breach by providing you with the documentation, which fully complies with your formal request. The debt is now enforceable again. Please note that a formal cca request is to be used only to obtain information about the account and not to be used as a tool to withold payment or to prove that an agreement exists. The account has been used and a debt has been incurred, for which you are liable to pay the balance and MBNA has sent you monthly statements to keep you informed of the balance. Please contact us etc etc .
08/09/12 CCA Query - Missing Prescribed Terms sent to dlc
14/09/12 Received a letter from dlc: Thank you for your letter dated 8 September regarding the above account.
We have already responded to the points raised ; please refer to our letter dated 6 September, which enclosed copy of earlier correspondence dated 24.4.12 and 13.6.12.
In addition I can advise the following:
1. As the above account does not relate to a fixed term agreement, the prescribed terms are now required to be on the face of the agreement.
2. Please refer to the reverse of the agreement where you will find the relevant terms of your agreement
3. Due to the above the agreement supplied to you, it does comply with all regulations set out by the CCA 1994.
4. We are happy to rely on the documents previously provided in any future proceedings.
Any amendments made to the CCA after the agreement was signed would have no legal bearing on its enforceability, consequently as the amendment made to the 1974 Act regarding prescribed terms was not introduced until 2006, this section of the act would not apply to your agreement.
07/08/13 Received Annual Statement of Account
27/08/13 Received a letter from APLIN STOCKTON FAIRFAX SOLICITORS : We have been instructed by dlc on behalf of Hillsden Securities Ltd formerly MBNA to take necessary steps to recover the outstanding balance.
Our client asks that you contact them either directly by telephone or by writing to them at dlc collections. I f you do not make full payment or reach agreement with dlc within 7 days legal proceedings may be commenced without further notice. etc etc
28/08/13 Sent: Threat to Commence Litigation letter to APLINS
12/09/13 Received letter from dlc - thank you for your letter dated 27th August 2013 addressed to our soliciotrs Aplin, Stockton Fairfax. Your correspondence has been passed to us for attention, I can confirm and advise the following: we would like to refer you to our letter dated 6/9/12 and 12/9/12 copies of which are enclosed. We have fully responded to the comments you make again in your letter dated 27/8/13 and the documentation as required under the CCA 1974 had been provided to you. We are satisfied that the documentation provided is enforceable and we are happy to reply on these in any future proceedings. As no valid disputes have been raised the above file remains with our collections team.
12/09/13 Sent to dlc a short letter referring them to our Missing Prescribed Terms letter
26/09/13 Received from dlc:Thank you for your letter dated 12/09/13 regrding the above account. I can confirm and advise the following our response to your letter dated 08/09/12 remains the same.
We maintain our stance that we have fully complied with your request for informaition under the Consumer Credit Act 1974. We enclose another copy of your original credit agreement and current terms and conditions together with the term and conditions applicable at the time of inception.
We believe the agrrement is enforceable and we can see no reason for witholding payments.
Should we not receive your repayment proposals in due course; your account will be referred to our litigation department for assessment.
04/12/13 Received from APLINS : Letter before action.
06/09/14 received a letter from dlc our records show that your account has been placed on hold for an agreed period of time which has now expired please call our customer accounts agents to discuss payment proposals .
It is important that you contact us within 14 days from the date of this letter to avoid further correspondence.
24/09/14 Received from dlc: We have made several attempts to contact you but are yet to agree a suitable repayment plan there may be the option of a reduced settlement of us writing off 50% of your balance dependent on your current financial situation contact us within the next 28 days.
25/10/14 Received from dlc: we note that you are still not in a repayment plan etc etc. we are here to work with you.However if we do not hear from you within 14 days from the date of this letter, we may instruct our agents Mercantile Data Bureau, part of Hillsden Securities ltd to collect the balance on our behalf. This will involve further letters and/or telephone contact.
03/04/15 Received from Ruthbridge: we have been instructed by dlc who have passed the above debt to us for collection etc etc
18/04/15 Received from Ruthbridge :We have received no response to our previous attempts to establish contact with you regarding the unpaid defaulted account above.
In an effort to amicably resolve the situation we are prepared to offer a discount to settle the balance of 50% etc etc
21/04/15 Sent Account Sold Whilst in Dispute to Ruthbridge

Good evening everyone a quick update on the above account received from Ruthbridge
we write further to the receipt of your recent correspondence requesting further information as to our reasons for attempting to contact you
we take note of the points you have raised etc etc
the below information must be verified in full
Full name (it's on the letter head I think they should learn to read)
Date of Birth (too old to answer questions like that)
Full Address including Postal Code (again answered their own question on letter head)
we will just send them a reminder that they are writing to the named person at the address and if they think this is wrong please don't write again or something along those lines 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
12/12/14 Received from Experto Credite : 50% reduction offer
27/06/15 Received from Experto Credite Matched payment offer
15/08/15 Received rom Expeto Credite - Notice of Assignment

Good morning everyone hope everyone is ok and still fighting a quick update on the above account received notice of assignment we will wait and see what their next move is

[Pixie]

Re: What2donext / UE Diary

Good to hear from you what2donext. Should they not have sent the NoA in March 2012 when Varde bought the debt? I'm just wondering why they've sent it now.

[what2donext]

Re: What2donext / UE Diary

Good to hear from you what2donext. Should they not have sent the NoA in March 2012 when Varde bought the debt? I'm just wondering why they've sent it now.

Thanks Pixie hope everything is ok with you I will have a look at what they sent back then and post back

[what2donext]

Re: What2donext / UE Diary

MBNA Credit Card 2 (Mrs)
Date Commenced - 9/3/01
Approx. Balance - £5036
Last Full Payment paid - 6/6/11
DMP Payment paid - 28/6/11 (no more payments being made)

07/07/11 CCA request sent
21/07/11 Received letter requesting additional info and IE form to be completed and signed guessing we ignore again
22/07/11 Received CCA will email to Niddy to look at thankyou
24/07/11 Niddy says
25/07/11 CCA Query missing prescribed terms letter sent recorded delivery

07/11/11Received letter stating - Thank you for your letter dated 29th July 2011 in res[ect pf the agreement referred to above. In your letter you claim that we have not supplied a true copy of your original credit agreement. To confirm, the document enclosed with our recent letter is a copy of the executed agreement that you signed when you decided to take out a credit card with MBNA Europe Bank. You have been provided with a true copy of your credit agreement. Furthermore the "Financial and Related Conditions" set out on the credit agreement are the key terms which, under Schedule 6 of the Consumer Credit (Agreements) Regulations 1983, were prescribed to be included int he credit agreement that you signed. These key terms set out how your credit limit is decided, your minimum payment obligation and your interest rates. When you were sent your credit agreement for signature, these key terms were also repeated in a full set of the Terms and Conditions of your credit agreement which were conveniently set out separately in a document for you to keep. A copy of these terms was enclosed in our previous response. In your letter you state that the copy of the agreement we provided is illegible. We can confirm that we are satisfied that the copy of the agreement we provided is legible. MBNA are satisfied that the regulated credit agreement into which we entered with you satisfies all relevant legal and regulatory requirements. As such, we shall continue to administer this account as normal. We also expect you to continue to make payments to us as they fall due, if you fail to do so, please note that any arrears will be reported to the Credit Reference Agency.
12/12/11 Received Default Notice
15/02/12 Received letter - Your credit agreement has been terminated you will no longer receive statements and we have registered a default at the CRA .It then goes on to what recovery action they may take -Sale of Debt - Placement of Debt -Litigation You will be kept informed of any further action.
15/03/12 Received letter from MBNA - We are taking further action to recover your debt.We have decided that we will take the action of selling your debt to another company.We will be transfering ownership to Hillsden Securities Limited.
26/06/12 Received a letter from - dlc -We hearby give notice that this debt has been assigned to Hillsden Securities Ltd, trading as direct legal & collections
This means that MBNA no longer own your account and your account is now owned by dlc.etc etc
16/04/12 Received a letter from dlc-As you have failed to maintain acceptable payment installments on your account, we have made enquiries with the locl land registry and have received formal confirmation that you are a home owner. It is now our intention to commence legal proceedings against you for non payment of this account. Once a County Court Judgement has been obtained, a further application will be made to secure this debt against your financial interest in your property by the way of a Charging Order.
We would like to resolve this matter without the need for legal proceedings etc etc.
16/04/12 Sent Threat to Commence Litigation letter to dlc.
21/04/12 Received letter from Hillsden/dlc -Thank you for your recent letter. I acknowledge receipt of your complaintand will respond within 5 days etc etc
25/04/12 Received an acknowledgment letter in reply to Threat to Commence Litigation letter we sent - Unaware of any outstanding disputes on the account ,We have not received any previous correspondence from you prior to your letter dated 16/04/12, Due to the above we disagree with your claims that we have continued to harass you etc etc. We have referred this mater to MBNA to obtain the necessary documentation in acorrdance with the CCA 1974. This will be provided to you once it becomes available
14/06/12 Received a letter from dlc - Further to our letter dated --April regarding the above account
Please find enclosed a copy of your original agreement, along with current terms and conditions and those applicable at the time of inception.
This now completes our obligations under the Consumer Credit Act 1974 and satisfies your s78 request.
As we have now reached the end of the 8 week timescale to resolve this matter, we would request that you accept this letter along with our letter dated --th April (a copy is enclosed) as our final response.
27/07/12 Received a letter from APLIN STOCKTON FAIRFAX SOLICITORS : We have been instructed by dlc on behalf of Hillsden Securities Ltd formerly MBNA to take necessary steps to recover the outstanding balance.
Our client asks that you contact them either directly by telephone or by writing to them at dlc collections. I f you do not make fullpayment or reach agreement with dlc within 7 days legal proceedings may be commenced without further notice. etc etc
27/07/12 Sent Threat-o-Gram Letter Before Action to APLIN
04/08/12 Received from dlc : Notice of Sums in Arrears
08/09/12 Received a letter from dlc in reponse to letter sent to APLIN : I can advise that we complied fully with your CCA request on the 13th of June which was included in our final response in April for ease of reference i enclose further copies of said letters, copy of original agreement and the original t&c and a copy of the current t&c provided by MBNA. We are happy to rely on enclosed documentation in any legal proceedings.While we did not provide the requested documentation within the time limit stated in your letter, we rectified this breach by providing you with the documentation, which fully complies with your formal request. The debt is now enforceable again. Please note that a formal cca request is to be used only to obtain information about the account and not to be used as a tool to withold payment or to prove that an agreement exists. The account has been used and a debt has been incurred, for which you are liable to pay the balance and MBNA has sent you monthly statements to keep you informed of the balance. Please contact us etc etc .
08/09/12 CCA Query - Missing Prescribed Terms sent to dlc
14/09/12 Received a letter from dlc: Thank you for your letter dated 8 September regarding the above account.
We have already responded to the points raised ; please refer to our letter dated 6 September, which enclosed copy of earlier correspondence dated 24.4.12 and 13.6.12.
In addition I can advise the following:
1. As the above account does not relate to a fixed term agreement, the prescribed terms are now required to be on the face of the agreement.
2. Please refer to the reverse of the agreement where you will find the relevant terms of your agreement
3. Due to the above the agreement supplied to you, it does comply with all regulations set out by the CCA 1994.
4. We are happy to rely on the documents previously provided in any future proceedings.
Any amendments made to the CCA after the agreement was signed would have no legal bearing on its enforceability, consequently as the amendment made to the 1974 Act regarding prescribed terms was not introduced until 2006, this section of the act would not apply to your agreement.
07/08/13 Received Annual Statement of Account
27/08/13 Received a letter from APLIN STOCKTON FAIRFAX SOLICITORS : We have been instructed by dlc on behalf of Hillsden Securities Ltd formerly MBNA to take necessary steps to recover the outstanding balance.
Our client asks that you contact them either directly by telephone or by writing to them at dlc collections. I f you do not make full payment or reach agreement with dlc within 7 days legal proceedings may be commenced without further notice. etc etc
28/08/13 Sent: Threat to Commence Litigation letter to APLINS
12/09/13 Received letter from dlc - thank you for your letter dated 27th August 2013 addressed to our soliciotrs Aplin, Stockton Fairfax. Your correspondence has been passed to us for attention, I can confirm and advise the following: we would like to refer you to our letter dated 6/9/12 and 12/9/12 copies of which are enclosed. We have fully responded to the comments you make again in your letter dated 27/8/13 and the documentation as required under the CCA 1974 had been provided to you. We are satisfied that the documentation provided is enforceable and we are happy to reply on these in any future proceedings. As no valid disputes have been raised the above file remains with our collections team.
12/09/13 Sent to dlc a short letter referring them to our Missing Prescribed Terms letter
26/09/13 Received from dlc:Thank you for your letter dated 12/09/13 regrding the above account. I can confirm and advise the following our response to your letter dated 08/09/12 remains the same.
We maintain our stance that we have fully complied with your request for informaition under the Consumer Credit Act 1974. We enclose another copy of your original credit agreement and current terms and conditions together with the term and conditions applicable at the time of inception.
We believe the agrrement is enforceable and we can see no reason for witholding payments.
Should we not receive your repayment proposals in due course; your account will be referred to our litigation department for assessment.
04/12/13 Received from APLINS : Letter before action.
06/09/14 received a letter from dlc our records show that your account has been placed on hold for an agreed period of time which has now expired please call our customer accounts agents to discuss payment proposals .
It is important that you contact us within 14 days from the date of this letter to avoid further correspondence.
24/09/14 Received from dlc: We have made several attempts to contact you but are yet to agree a suitable repayment plan there may be the option of a reduced settlement of us writing off 50% of your balance dependent on your current financial situation contact us within the next 28 days.
25/10/14 Received from dlc: we note that you are still not in a repayment plan etc etc. we are here to work with you.However if we do not hear from you within 14 days from the date of this letter, we may instruct our agents Mercantile Data Bureau, part of Hillsden Securities ltd to collect the balance on our behalf. This will involve further letters and/or telephone contact.
03/04/15 Received from Ruthbridge: we have been instructed by dlc who have passed the above debt to us for collection etc etc
18/04/15 Received from Ruthbridge :We have received no response to our previous attempts to establish contact with you regarding the unpaid defaulted account above.
In an effort to amicably resolve the situation we are prepared to offer a discount to settle the balance of 50% etc etc
21/04/15 Sent Account Sold Whilst in Dispute to Ruthbridge
20/06/15 Account returned to Dlc from Ruthbridge
03/07/15 Received from letter from Lucas credit Services offering 50% discount
0309/15 Received fom Lucas : contact us etc

Good morning everyone a quick update on the above account we will wait and see what lucas send next thanks

[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
8/10/15 Received from Hoist Portfolio Holding 2 Limited - Notice of Assignment

Good afternoon everyone hope everyone is doing well quick update for the above account received Notice of Assignment from Hoist Portfolio Holding 2 Limited saying Robinson Way has been appointed to manage account we will send SWID to Robinson Way unless anyone has any other suggestions thanks