What2donext / UE Diary

[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"
01/10/11 Received another letter stating unless immediate action is taken we will issue you with a Notice of Default if you do not take appropriate action we will terminate our credit card agreement and demand immediate full repayment etc etc.

Morning all should we continue to ignore and see what they send next? Thanks

[Never-In-Doubt]

Re: What2donext / UE Diary

Morning all should we continue to ignore and see what they send next? Thanks

Send this; ---> CCA Query - Missing Prescribed Terms

[what2donext]

Re: What2donext / UE Diary

Send this; ---> CCA Query - Missing Prescribed Terms

Thanks Niddy just checking we just send the above again as they have had the above before and replied with another copy of the signed agreement .

[Never-In-Doubt]

Re: What2donext / UE Diary

Thanks Niddy just checking we just send the above again as they have had the above before and replied with another copy of the signed agreement .

Ok, then ignore this then!

[what2donext]

Re: What2donext / UE Diary

Ok, then ignore this then!

Cheers Niddy will do, have a great holiday

[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 .

We will just ignore and wait to see what Barclaycard customer services send next re :their letter dated 14/09/11.

[Never-In-Doubt]

Re: What2donext / UE Diary

Yep just ignore barclays for now!

[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
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 .
27/09/11 Harrasment & Threat of Doorstep - Visit letter sent to Mercers
06/09/11 Received letter stating- Thank you for taking time to contact us regarding the level of service received from Barclaycard. We are very sorry to learn of your dissatisfaction,your correspondence is being dealt with by this office and we aim to resolve matters by 26 October 2011 etc etc.

Good afternoon everyone received the above today we will just ignore and see what they send next thanks

[Deepie]

Re: What2donext / UE Diary

Well done ... just wait and see what they send next

[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

Good morning all just received the above we will just file & ignore unless anyone suggests otherwise thanks

[Deepie]

Re: What2donext / UE Diary

Good morning all just received the above we will just file & ignore unless anyone suggests otherwise thanks

yes just ignore

[what2donext]

Re: What2donext / UE Diary

yes just ignore

Cheers In 2 Deep we are getting quite good at being ignorant

[Pixie]

Re: What2donext / UE Diary

Cheers In 2 Deep we are getting quite good at being ignorant

[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

Good afternoon all received the above today will just file both and ignore thanks

[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 , I am planning to instuct our agents to visit your home address. However you still have an opportunity to prevent this. Please contact us etc etc.

Good afternoon all just received the above from M&S money will send - Harresment & Threat of Doorstep-Visit letter - first thing monday thanks