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".
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 .

31/10/11 Received letter from Mercers stating you must contact us etc etc.

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

[Never-In-Doubt]

Re: What2donext / UE Diary

Good morning Niddy hope you had a great holiday,not a lot gone on really Barclaycard just got to me with their we can do what we want letter but i calmed down and decided not to respond and if they send a doorstep caller i will duly record all and make them a star of doorstep tv

Phew - pleased to hear that! I was reading this and thinking arghhhhh nooooooo

Just sit tight, you're now in the right frame of mind, so well done on calming down

[Never-In-Doubt]

Re: What2donext / UE Diary

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

Yea. see what their next move is

[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 , Iam planning to instuct our agents to visit your home address. However you still have an opportunity to prevent this. Please contact us etc etc.
17/10/11 Harrasment & Threat of Doorstep - Visit letter sent to M&S Pre legal Recoveries via recorded delivery
02/11/11 Received another letter from M&S Pre Legal Recoveries stating - Thank you for your recent correspondence. We would like to talk to you before we act on the contents of your letter and request you telephone us. It is vital that you telephone in response to this letter, as action to recover any outstanding paymentwill continue until we have spoken to you. Obviously, given the fact that you have contacted us, we would rather that this did not happen. I must advise you, However, that we are unable to enter into any further correspondence regarding the exact contents of your letter and this is why you must telephone us. We look forward to hearing from you within the next five working days.

Good afternoon all received the above today should we just ignore or is there another letter to respond with ? thanks

[Never-In-Doubt]

Re: What2donext / UE Diary

Good afternoon all received the above today should we just ignore or is there another letter to respond with ? thanks

write back and simply say

"there is no provision in any legal or regulatory guidance that says you have a right to speak to me, I want to deal with you in writing and writing alone as this provides an audit trail of events. However in light of your nonsense response, requesting I call you or you'll take action, I must point out that this will be shown to the judge in any proceedings you may decide to take against me, which will be vehemently defended in any case. I have explained my reasons for non compliance and thus you need to consider replying to that before I formally decide to cease communication with you altogether, and report your conduct to the Financial Ombudsman".

See what that does

[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

02/11/11 Received letter stating - We have enclosed an income and expenditure form. We wrote to you on 6th October 2011 regarding your arrrears,and offered to provide you with assistance upon completion of an I/E form. we understand this form may not have been attached to our letter. We'd like to appologise for any inconvenience caused and we've enclosed an I/E form with this letter should you need to complete it.

Received the above today we will just ignore unless advised otherwise thanks

[Never-In-Doubt]

Re: What2donext / UE Diary

Received the above today we will just ignore unless advised otherwise thanks

Ignore

[what2donext]

Re: What2donext / UE Diary

write back and simply say

"there is no provision in any legal or regulatory guidance that says you have a right to speak to me, I want to deal with you in writing and writing alone as this provides an audit trail of events. However in light of your nonsense response, requesting I call you or you'll take action, I must point out that this will be shown to the judge in any proceedings you may decide to take against me, which will be vehemently defended in any case. I have explained my reasons for non compliance and thus you need to consider replying to that before I formally decide to cease communication with you altogether, and report your conduct to the Financial Ombudsman".

See what that does

Wow that was fast Niddy thanks again for that i will get it sent first thing tomorrow

[Never-In-Doubt]

Re: What2donext / UE Diary

Wow that was fast Niddy thanks again for that i will get it sent first thing tomorrow

Lol, am on form today! Just refreshing the page awaiting new posts!

Bored for once - yea right!

[what2donext]

Re: What2donext / UE Diary

Lol, am on form today! Just refreshing the page awaiting new posts!

Bored for once - yea right!

There was me thinking that you must have missed us that much when you were away on holiday that you can't reply fast enough

[PlanB]

Re: What2donext / UE Diary

Was the M & S credit card originally a Store Card which was upgraded to a full-on credit card in 2003 without your Mrs requesting it? If so Paul may have something to say about that CCA. His firm is holding my hand through a similar scenario with Santander in court and thanks to s.51 and the "prohibition of soliciting credit tokens" it's looking good But I don't want to raise your expectations by mistake. Fingers crossed though

[what2donext]

Re: What2donext / UE Diary

Was the M & S credit card originally a Store Card which was upgraded to a full-on credit card in 2003 without your Mrs requesting it? If so Paul may have something to say about that CCA. His firm is holding my hand through a similar scenario with Santander in court and thanks to s.51 and the "prohibition of soliciting credit tokens" it's looking good But I don't want to raise your expectations by mistake. Fingers crossed though

Thanks Plan B we've just been discussing it and we're almost certain it was just a M&S store card which they later changed to a credit card you could use anywhere we have just read through the terms and conditions they sent with the CCA and it states in the CREDIT LIMIT section 5.1 Your credit limit on a chargecard is subject to approval by us. We may notify you of a change to your credit limit from time to time.
We dont know if this is significant or not but we are not getting our hopes up and anything then is a bonus as Niddy has already deemed it U/E.

[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 .
03/11/11 Received today letter asking us to make token payments or if we do not hear from you and we do not receive the agreed payment unfortunately the reduced payment arrangement will lapse and we may have to return your account to our collections department.

Good afternoon all received the above today we will just ignore unless advised otherwise . thanks

[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.
19/10/11 Received letter from TRITON - We have been formally instructed by The Royal Bank of Scotland plc in respect of the above unpaid debt that despite reminders, you have failed to settle or to make mutually acceptable repayment arrangements .We must inform you that unless you telephone RBS immediately the debt will be referred to us or an equivalent debt recovery agent for collection.
03/3/11 Received today another letter from Triton asking for immediate payment if for any reason you are unable to make this payment by return you must telephone this office immediately

As we are blagging this do we need to reply ? thanks

[Deepie]

Re: What2donext / UE Diary

No reply needed on Mint or Asda