What2donext / UE Diary

[Never-In-Doubt]

Re: What2donext / UE Diary

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

No, no more ignoring this now - time to send one of these (re M&S card) ---> CCA Query - Missing Prescribed Terms

[what2donext]

Re: What2donext / UE Diary

No, no more ignoring this now - time to send one of these (re M&S card) ---> CCA Query - Missing Prescribed Terms

Thanks a lot Niddy will get it sent today

[Never-In-Doubt]

Re: What2donext / UE Diary

Thanks a lot Niddy will get it sent today

Nice one - thanks - keep us updated

[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.

21/09/11 Received letter stating "Thank you for sending us the information to enable us to assess your financial situation we appreciate that this may be a difficult time for you. Now we have assessed your information we are pleased to confirm that we have accepted your offer £1.00 and have placed you on reduced payment arrangement interest and charges have now been suspended.After a minimum period of 6 months we may contact you again for an update, etc .

This is a strange one as we hav'nt asked for payment plan only at the beginning when we contacted CCCS before we started U/E .They wrote back saying they needed further proof ie bank statements, we sent them nothing.Last week they said they were sending it to their in- house DCA Viking, any advice would be much appreciated thanks.

[swanfan]

Re: What2donext / UE Diary

Just ignore them see what they send next.

[what2donext]

Re: What2donext / UE Diary

Just ignore them see what they send next.

Cheers Swanfan

[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
16/09/11 Received letter from Mercers stating- IMPORTANT-YOU SHOULD READ THIS CAREFULLY - Despite a recent letter from Barclaycard you are still behind with payments etc
26/09/11 Received another letter from Mercers stating - We are dealing with your account on behalf of Barclaycard etc etc, Please note,if you do not contact us, we will be instructing a local debt collector to visit you at the above adress to obtain payment of your debt .

Hi everyone another letter today from Mercers issuing the doorstep challenge, do we send ? - Harassment & Threat of Doorstep-Visit thanks

[Fribourg]

Re: What2donext / UE Diary

challenge, do we send ? - Harassment & Threat of Doorstep-Visit thanks

Yes, send that one for now

[what2donext]

Re: What2donext / UE Diary

Yes, send that one for now

Thanks Fribourg

[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"
28/09/11 Received Account termination letter stating - A Default Notice was recently served against you. As the amount requested in the Default Notice has not been received, your account has been terminated.
We now require full repayment of the outstanding debt within 14 of the date of this letter. If you do not comply, or fail to subit proposals for repayment that are satisfactory to us,your account will be passed over to our Debt Recovery Office etc etc.

Good afternoon everyone just received the above today is there anything further we should send them,as we are blagging this account any help would be much appreciated
Thanks

[Deepie]

Re: What2donext / UE Diary

Good afternoon everyone just received the above today is there anything further we should send them,as we are blagging this account any help would be much appreciated
Thanks

Just ignore for now see what they send next

[what2donext]

Re: What2donext / UE Diary

Just ignore for now see what they send next

Cheers In2deep

[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.

Just emailed the above for Niddy to have a look at thanks

[Never-In-Doubt]

Re: What2donext / UE Diary

Just emailed the above for Niddy to have a look at thanks

As per my last post on this from 24/07 - this is unenforceable - all they've done is send a blank application with random terms -

all the way to the bank

[what2donext]

Re: What2donext / UE Diary

As per my last post on this from 24/07 - this is unenforceable - all they've done is send a blank application with random terms -

all the way to the bank

Cheers Niddy