What2donext / UE Diary

[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 general arrears letter

Will just ignore and see what they send next

[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

Will just ignore and see what they send next

[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.

Still not received CCA and the PO we sent has't been cashed do we need to send CCA reminder ?

[MrsD]

Re: What2donext / UE Diary

no it is unenforceable until they do produce a properly executed agreement, no point in you doing their work for them, let them keep looking and looking and looking, they are still looking for a fair amount of CCAs ..................................

[what2donext]

Re: What2donext / UE Diary

no it is unenforceable until they do produce a properly executed agreement, no point in you doing their work for them, let them keep looking and looking and looking, they are still looking for a fair amount of CCAs ..................................

Cheers Eld will let them keep looking,wouldnt want to confuse them too much by giving them another letter to read as they don't seem very good at multi-tasking

[MrsD]

Re: What2donext / UE Diary

good plan, you're definitely getting the hang of how these eejits work!!!

[what2donext]

Re: What2donext / UE Diary

[QUOTE=what2donext;92068]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 attachment below
Is there anything we need to send back ?

[MrsD]

Re: What2donext / UE Diary

Mercers are just part of Barclaycard, across the office kind of thing, they think its scary and you'll be upset because your account has been sent to a "debt collector" doesn't work here. I always sent a sold while in dispute to these eejits, then nobody can accuse you of ignoring them.

[what2donext]

Re: What2donext / UE Diary

Mercers are just part of Barclaycard, across the office kind of thing, they think its scary and you'll be upset because your account has been sent to a "debt collector" doesn't work here. I always sent a sold while in dispute to these eejits, then nobody can accuse you of ignoring them.

Thanks a lot Eld will send the letter you suggest and see what special offer they come back with, afterall they have just offered us buy2 get 1 free

[garlok]

Re: What2donext / UE Diary

Mrs D is right W2DN,

Mercers are just the first line thuggery belonging to Barclaycard. They are a dormant company and any commercial activity they undertake (like attempted debt collection) is unlawful. They will soon send you a big red Default Notice which will be defective (not seen a good one yet). Keep both it and the envelope it came in stapled together and marked up with the date you received it. The next you will hear if running to form will be a demand for monies not yet due or the full outstanding amount (which is unlawful and they cannot do) attempting to terminate the account from Calder Financial which is the next wet stone along from Mercers in the same cess pit.

Mercers are a pain on the phone but eventually get fed up[ or frightened when you threaten them back. after Calders it will go out to the DCA circus like the rest of us.



regards
Garlok

[Never-In-Doubt]

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 attachment below
Is there anything we need to send back ?

I have edited this post and removed the image as it had your account number on it - please try not to post things on the public thread....

[what2donext]

Re: What2donext / UE Diary

I have edited this post and removed the image as it had your account number on it - please try
not to post things on the public thread....

Thanks Niddy, sorry about that i thought id taken all account info off my mistake

[Never-In-Doubt]

Re: What2donext / UE Diary

Thanks Niddy, sorry about that i thought id taken all account info off my mistake

The bigger hint was not to post stuff in the thread but instead just to briefly state what has been sent......

[what2donext]

Re: What2donext / UE Diary

The bigger hint was not to post stuff in the thread but instead just to briefly state what has been sent......

Hint taken for future reference cheers

[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)

07/07/11 CCA request sent
06/08/11 Recieved letter with CCA request and postal order in asking for a signature before they can process as part of security procedure
08/08/11 CCA Request-Demand of Signature by Creditor letter sent
13/08/11 Recieved letter with CCA request & postal order returned again stating
"Whilst we acknowledge the fact that the Consumer Credit Act 1974 does not require that you supply a copy of your signature before response with a s77/78 request, the data protection principles under the Data Protection Act 1998 (as amended from the original Data Protection Act 1984) requires us to excercise proper security with the disclosure of personal data.
I return your original copy of which i have kept for our records,and should be grateful if you would sign it.Alternatively,if you cannot sign it,please send me appropriate copy documentationto prove the bona fides of this request
In the meantime i will assemble the neccesary documentation which will be released upon receipt of your response validating this enquiry"
15/08/11 Signature Request - Formal Response letter sent
20/08/11 Recieved letter returning all our previous letters stating
"In our previous correspondence we have already acknowledged the fact that the Consumer Credit Act 1974 does not requre that you supply a copy of your signature before response with a s77/78 request,however the data protection principles under the Data Protection Act 1998 (as amended from the original Data Protection Act 1984) requires us to excercise proper security with the disclosure of personal data. I can confirm we are in possesion of your signed agreement, as we posses this document we have been able to send monthly account statements and letters in relation to your agreement with us. Letters which you send to us require manual intervention, therefore the agreement cannot be used in this instance".
In your correspondence you state "if it is for Data Protection purposes then i can supply you with documentation to substantiate my identity to you " Therefore we require this to enable us to send our response to you.
I have tried contacting you via telephone to validate this request, but have been unable to contact you,should you wish to verbally confirm this request please contact me directly.
10/09/11 Received letter stating : you have failed to maintain your temporary repayment arrangement with us,which was agreed to assist you, if we do not receive a payment within 7 days ,we will have no option but to assume you are unwilling to pay,your account will return to standard inteest rate and we will resume collections activity.This could include, The issue of a court summons etc etc. We have attempted to support you etc but without your cooperation we canot continue to do so.

Should we just ignore as they have refused on numerous occassions to send CCA without a signature,the arrangement they refer to was from the original letter we sent when asking them to accept token payments through CCCS before we started our UE journey