What2donext / UE Diary

[garlok]

Re: What2donext / UE Diary

Hi W2N

Don't worry too much about the Mercers threat. They are a pain on the phone but they are only the first line of in house thuggery for Barclaycard. They are owned by them. Their default notices are usually defective anyway, I have never seen a compliant one and they are issued unlawfully as Mercers is registered as a dormant company at Companies House and are not allowed to do anything commercially related ( see CH's own guidelines on dormant companies). When their normal nonsense starts let us know and we can tell you how to deal with it.

Oh and by the way don't worry the defective DN will be a big red one! However do not throw the envelope awy if it happens mark the dN with the date you received it and staple the envelope to it also marked up.

regards
Garlok

[what2donext]

Re: What2donext / UE Diary

not a bad idea to check and take note, you can check on the PO website through the PO number.

Thanks eld just checked and the PO has not been cashed

[what2donext]

Re: What2donext / UE Diary

Hi W2N

Don't worry too much about the Mercers threat. They are a pain on the phone but they are only the first line of in house thuggery for Barclaycard. They are owned by them. Their default notices are usually defective anyway, I have never seen a compliant one and they are issued unlawfully as Mercers is registered as a dormant company at Companies House and are not allowed to do anything commercially related ( see CH's own guidelines on dormant companies). When their normal nonsense starts let us know and we can tell you how to deal with it.

Oh and by the way don't worry the defective DN will be a big red one! However do not throw the envelope awy if it happens mark the dN with the date you received it and staple the envelope to it also marked up.

regards
Garlok

Thanks Garlok will keep in mind what you have said and update as and when they start with their nonsense

[what2donext]

Re: What2donext / UE Diary

HSBC Credit Card (Mr)
Date Commenced - 09/10/99 . Balance - £3140
Last Full Payment paid - 8.6.11
DMP Payment paid - 28.6.11 (no more payments being made)

07/07/11 CCA request sent
02/08/11 CCA received
02/08/11 CCA sent to Niddy
03/08/11 Niddy says
04/08/11 sent letter CCA Query - Missing Prescribed Terms by recorded delivery
16/08/11 Letter received stating "Failure to respond will seriously affect your credit rating,Please be aware of other possible consequences if you do not resume payments,If you continue to fail to respond to our attemps to contact you we will serve you with a default Notice, Continued non
payment may result in your account being passed to a debt collection agency,or legal action being taken to recover the debt etc etc .

25/08/11 Received letter in response to letter sent 4/08 /11 with another copy of signed agreement

Emailed letter to Niddy to look at

Thanks again for taking time Niddy we know you are very busy,will ignore as per email

[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 - IMORTANT - 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.

Do we just ignore ?

[Deepie]

Re: What2donext / UE Diary

Yes just ignore, but keep that DN safe

[what2donext]

Re: What2donext / UE Diary

Yes just ignore, but keep that DN safe

Cheers In2deep just dated and filed with envelope and put away for safe keeping

[Never-In-Doubt]

Re: What2donext / UE Diary

Thanks again for taking time Niddy we know you are very busy,will ignore as per email

Yep, just ignore - its nothing really, just them saying we are right and you are wrong!!

[what2donext]

Re: What2donext / UE Diary

Mint Credit Card (Mrs)
Date Commenced - 29.10.03
Approx. Balance - £3399
Last Full Payment paid - 6.6.11
DMP Payment paid - 28.6.11 (no more payments being made)

07/07/11 CCA request sent
14/07/11 Received letter stating "I have received a letter regarding your account. The letter was not signed and as a result I am unable to undertake the action requested. Please sign the letter in space or call us etc." Ignoring for now until further advice is given

30/07/11 CCA received - Email sent to Niddy
03/08/11 Niddy says
04/08/11 Blagging it for now Sent CCA Query - Missing Prescribed Terms by recorded delivery
27/08/11 Received letter in reply to CCA Query - Missing Prescribed Terms

Emailed for Niddy to have a look as we are blagging this and unsure of the next step to take

[Never-In-Doubt]

Re: What2donext / UE Diary

Emailed for Niddy to have a look as we are blagging this and unsure of the next step to take

Just wait and see what they send out next - nothing to send back this time

[what2donext]

Re: What2donext / UE Diary

Just wait and see what they send out next - nothing to send back this time

Thanks again Niddy

[Never-In-Doubt]

Re: What2donext / UE Diary

Thanks again Niddy

[what2donext]

Re: What2donext / UE Diary

Mint Credit Card (Mrs)
Date Commenced - 29.10.03
Approx. Balance - £3399
Last Full Payment paid - 6.6.11
DMP Payment paid - 28.6.11 (no more payments being made)

07/07/11 CCA request sent
14/07/11 Received letter stating "I have received a letter regarding your account. The letter was not signed and as a result I am unable to undertake the action requested. Please sign the letter in space or call us etc." Ignoring for now until further advice is given

30/07/11 CCA received - Email sent to Niddy
03/08/11 Niddy says
04/08/11 Blagging it for now Sent CCA Query - Missing Prescribed Terms by recorded delivery
27/08/11 Received letter in reply to CCA Query - Missing Prescribed Terms
01/09/11 Received Default Notice stating" Please read the Default Notice carefully and ensure payment of £*** is credited to your account within 17 days etc etc"

Do we just ignore and file the Default Notice away safely or is there anything else we should send as we are blagging this account

[Deepie]

Re: What2donext / UE Diary

Just ignore

[what2donext]

Re: What2donext / UE Diary

Just ignore

Cheers In 2 Deep that was a swift response