What2donext / UE Diary

[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.
16/11/11 Received general arrears letter
23/11/11 Received another general arrears letter

Good afternooon everyone received another arrears letter today we will continue to blissfully ignore thanks

[garlok]

Re: What2donext / UE Diary

Hi W2DN,

Thanks for the update. Just give that second DN a check out for your own peace of mind though. Check the accuracy of the figures, check the date of service i.e. that date is ACTUALLY the day it arrived through your door, and that the date they state rectification has to be complete by is a full 14 days. Remember that a statement "before XX.XX.XX" means in reality the close of business the day before that date.

Otherwise file safely and await the attempted termination from them or Calders.

regards
Garlok

[what2donext]

Re: What2donext / UE Diary

Egg Credit Card (Mrs)
Date Commenced - 17/12/01
Approx. Balance - £2655
Last Full Payment paid - 16.6.11
DMP Payment paid - 7.7.11 (no more payments being made)

07/07/11 CCA request sent
18/07/11 Received CCA Can you please advise what pages to email Niddy as there are 8 pages of terms and conditions, a copy of the application form and 14 pages on the credit agreement, many thanks
19/07/11 Niddy says

19/07/11 CCA Query - Missing Prescribed Terms sent recorded delivery
18/08/11 Received letter saying the documents provided constituted a true copy of your agreement,we have now provided all documents required by law and do not consider there to be a genuine dispute as to the enforceability etc etc.
09/11/11 Received letter about Barclaycard taking it over with the "line carry on managing your account as you do today" etc etc.
24/11/11 Received Default Notice from Mercers.

Hi W2DN,

Thanks for the update. Just give that second DN a check out for your own peace of mind though. Check the accuracy of the figures, check the date of service i.e. that date is ACTUALLY the day it arrived through your door, and that the date they state rectification has to be complete by is a full 14 days . Remember that a statement "before XX.XX.XX" means in reality the close of business the day before that date.

Otherwise file safely and await the attempted termination from them or Calders.

regards
Garlok

Hi Garlock
Thanks for the reply but ive just checked the default and its for Mrs W2dn,s Egg card which has been transfered to Barclays it has the correct amount of time 14 days as it arrived today and has until the 8th of December to rectify it, but it has a totally different account number and the wrong amount due on it as the last statement gives one figure and Default Notice another sorry for any confusion i will blame it on the medication
Regards
What2do

[garlok]

Re: What2donext / UE Diary

I wouldn't panic too much at the moment W2DN, it probably won't have the full name and address of the OC anyway, inaccuracy in the figures kills it and in any case Niddy has said its all UE!

The acccount number thing, Niddy has explained to me is irrelevant but me being awkward me challenged ours and got a letter via our sols that agreed the acc. number was incorrect on the Assignment and the original number was the one to which it all applied. Just being a B*****D to them really and making them work as Lowlifes had to go back to BC for confirmation.

regards
Garlok

[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 payment will 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.
03/11/11 Sent reply Niddy wrote via recorded delivery
18/11/11 Received another letter form M&S Pre Legal Recoveries - Thank you for your letter dated 16th October, we have responded to your previous correspondence via letter on 20th July, 8th Aug, 29th Sept. To prevent further recovery action we will require a payment towards your account and an up-to-date breakdown of your I & E. etc etc. You will receive reminder letters and telephone calls about arrears on your account etc. etc.
19/11/11 Received another letter from M&S Money in reply to letter Niddy wrote 03/11/11 will upload in update.
26/11/11 Received another letter from Pre Legal Recoveries uploaded in update

Evening everyone received letter below today from M&S Pre Legal Recoveries do we need to respond with anything as they are getting quite persistent with their letters thanks

[Never-In-Doubt]

Re: What2donext / UE Diary

Evening everyone received letter below today from M&S Pre Legal Recoveries do we need to respond with anything as they are getting quite persistent with their letters thanks

Yea but you have responded - it's their stupidity that means they're not reading them properly so ignore this last letter, lets see them sell it - even better lets see them wriggle out of making such threats withour justice, ie they cannot dictate that you'll be liable for charges as they could lose the case meaning it'd be them that pay costs and similarly a CO is way down the line yet assuming they get judgment, then assuming they get a ccj then assuming you fail to pay the ccj would they be able to APPLY for a CO - cheeky sods!

I'd just ignore it as you have written and they're probably just delayed so not got round to seeing it yet!

[what2donext]

Re: What2donext / UE Diary

Yea but you have responded - it's their stupidity that means they're not reading them properly so ignore this last letter, lets see them sell it - even better lets see them wriggle out of making such threats withour justice, ie they cannot dictate that you'll be liable for charges as they could lose the case meaning it'd be them that pay costs and similarly a CO is way down the line yet assuming they get judgment, then assuming they get a ccj then assuming you fail to pay the ccj would they be able to APPLY for a CO - cheeky sods!

I'd just ignore it as you have written and they're probably just delayed so not got round to seeing it yet!

Thanks again Niddy we will just ignore and wait for them to send something else they say they have allegedly read the letters we have sent but I dont think reading is one of their strong points or maybe they just dont understand what is being said to them , I was wondering about the part in which they say about court costs etc as ive just been reading the letter you you have done in New & Confused Diary and covered what I was going to ask, enjoy whats left of the weekend
Cheers
What2do

[Never-In-Doubt]

Re: What2donext / UE Diary

I was wondering about the part in which they say about court costs etc as ive just been reading the letter you you have done in New & Confused Diary and covered what I was going to ask, enjoy whats left of the weekend
Cheers
What2do

Haha - yea I seen you'd read that post so never mentioned it again here but the same would apply, as in if I were to write to them for you I would repeat that part of my letter however they're threatening to sell it so let em. The link to the letter in question is here ---> #389

Not worthy of a response, certainly not one so simple for them - best leave them to stew with the more complex replies first yea?

[what2donext]

Re: What2donext / UE Diary

Haha - yea I seen you'd read that post so never mentioned it again here but the same would apply, as in if I were to write to them for you I would repeat that part of my letter however they're threatening to sell it so let em. The link to the letter in question is here ---> #389

Not worthy of a response, certainly not one so simple for them - best leave them to stew with the more complex replies first yea?

It always amuses me the way you dont pull any punches when responding to them .If they gave oscars out for letter writing im sure we could nominate you .

[Never-In-Doubt]

Re: What2donext / UE Diary

[BBoo]

Re: What2donext / UE Diary

It always amuses me the way you dont pull any punches when responding to them .If they gave oscars out for letter writing im sure we could nominate you .

That's not his willy he's holding is it? Bloody hell mate - respect!

[what2donext]

Re: What2donext / UE Diary

That's not his willy he's holding is it? Bloody hell mate - respect!

If it is he's in the wrong job as im sure there would be a lucrative market somewhere for something that long and it would bring tears to sword swallowers all over the world

[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.
17/10/11 Received Default Notice
18/11/11 Received letter FINAL DEMAND We now DEMAND immediate payment of £****, current interest arrangements will continue to apply. YOU HAVE 14 DAYS FROM THE DATE OF THIS LETTER TO REPAY IN FULL or let us have satisfactory proposal for repayment etc. etc
29/11/11 Received letter stating - We have not received a satisfactory response to our Final Demand letter.As we have not received any contact from yuo your account is now due for placement with a specialist Debt Recovery Agent etc etc.

Good afternoon everyone received the above today do we contiue to ignore thanks

[Pixie]

Re: What2donext / UE Diary

Yes ignore and just wait and see who they pass it on to.

[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.
29/11/11 Received Default Notice .

As this is enforceable do we continue to ignore thanks