What2donext / UE Diary

[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".

The letter had the wrong address on it and name spelt wrongly oh and there was no leaflet enclosed, should we just wait and see what they send next ? thanks

[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

Are we doing right to just ignore this? thanks

[garlok]

Re: What2donext / UE Diary

I would just sit and wait. One of the usual muppets will reply with a template apologising that this is not eh outcome you had hoped for. Never seen them do anything at all about upholding a customer complaint or reacting lawfully to letters pointing out their misdemeanours. Till they reply the ball is in their court.

regards
Garlok

[what2donext]

Re: What2donext / UE Diary

I would just sit and wait. One of the usual muppets will reply with a template apologising that this is not eh outcome you had hoped for. Never seen them do anything at all about upholding a customer complaint or reacting lawfully to letters pointing out their misdemeanours. Till they reply the ball is in their court.

regards
Garlok

Thanks Garlok for your quick response, until we started with UE we didn't realise how badly these supposedly big institutions are run, then they wonder why the banking industry is on it's arse and why people have lost faith in them.

[Oct Revolution]

Re: What2donext / UE Diary

until we started with UE we didn't realise how badly these supposedly big institutions are run, then they wonder why the banking industry is on it's arse and why people have lost faith in them.

Totally agree W2DN,

when I first started my UE journey, just under a year ago, I thought that all the banking institutions would have kept all the paper work relating to my accs and that none of my accs would be UE, BUT here I am still waiting for enforceable CCA's.

keep up the good fight.

[caspar]

Re: What2donext / UE Diary

Hi What 2 Do Next, its been a while. I've had an interesting read as I was way out of date with your case. I see you're asking a fair bit about is it still OK to do nothing. For what it's worth 4 1/2 years ago CAB told me to stop paying my non-priority debts and wait as one of them would eventually make me bankrupt. I've done as they said and not paid one penny towards anything for 4 1/2 years and not one of them has taken me to court or made me bankrupt yet. There've been plentyof threats, most of which I now know are empty ones, but nothing at all of substance.

In fact in my case it's been quite the opposite of fighting back against priority debts to get refunds from bailiffs etc...

Doing nothing is not necessarily a bad thing I've discovered.

[what2donext]

Re: What2donext / UE Diary

Asda Card Santander Credit Card (Mrs)
Date Commenced - 23/11/06
Approx. Balance - £976
Last Full Payment paid - 17.6.11
DMP Payment paid - 28.6.11 (no more payments being made)

07/07/11 CCA request sent
28/07/11 Received CCA also received in seperate envelope addressed to Mrs but has different client name & account number stating
"you have requested information pursuant to the Consumer Credit Act 1974. Please note that as the account is closed and there is no balance required or due in the future, we are no longer obliged to provide this information, therefore, I am returning your cheque" Already emailed it all to Niddy
29/07/11 Niddy says
29/07/11 Blagging it for now Sent CCA Query - Missing Prescribed Terms by recorded delivery
18/08/11 Received letter stating "That the copy of the agreement we supplied in response to to your request for information under the CCA 1974
was a true copy of the agreement signed by you saying it is enforceable,also containing another larger copy of what they originally sent.

16/09/11 Received letter stating -"Despite previously issuing a Default Notice,your account remains overdue. If you fail to make the necessary payment we will pass this account to Viking Collection Services Limited.To avoid this action you need to make an immediate payment"

Should we just ignore or is there anything else we should send?

[Deepie]

Re: What2donext / UE Diary

Just ignore for now

[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
16/09/11 Received letter stating-"We are very concerned etc this is your last chance before we issue a Defult Notice etc"

We will just ignore

[Deepie]

Re: What2donext / UE Diary

We will just ignore

Well done..... yes just ignore

[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

Yet another we will just ignore

[what2donext]

Re: What2donext / UE Diary

Just ignore for now

Well done..... yes just ignore

Cheers In 2 deep for the swift replies

[Deepie]

Re: What2donext / UE Diary

Cheers In 2 deep for the swift replies

Have a nice weekend... you will be tired after all that ignoring

[what2donext]

Re: What2donext / UE Diary

Have a nice weekend... you will be tired after all that ignoring

Thanks have good one yourself,not half as tired as we were before AAD i think we may become experts at ignoring before very long thats 3 today

[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"

Another one to ignore and see what they send next thats 4 ignored in 2 days they may be gettting the feeling we don't like them