What2donext / UE Diary

[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 .
01/12/11 Received letter from Santander -This letter serves you with notice of our intention to register default information with CRA's etc etc
01/11/12 Received letter from VIKING -Your account has been transferred to Viking Collection Services etc etc.
22/12/11 Received letter from VIKING -Viking collection services are dealing with your account.The full balance outstanding must be paid IMMEDIATELY. We have and will continue to report the performance of your agreement to Credit Reference Agencies.Further action is being considered etc etc.

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

[Never-In-Doubt]

Re: What2donext / UE Diary

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

Yea see what happens next - after you ignore their threat in BIG CAPITAL WRITING!!!

[Deepie]

Re: What2donext / UE Diary

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

Could be worth sending this > Account Sold whilst in Dispute

[what2donext]

Re: What2donext / UE Diary

Yea see what happens next - after you ignore their threat in BIG CAPITAL WRITING!!!

Cheers Niddy that part of their letters always amuses me, they really think people will take more notice of them if they highlight things and put them in capitals

[garlok]

Re: What2donext / UE Diary

Hi W2DN,

Unfortunately some people are intimidated by these letters and are bullied into something that they need not do or respond to. There are a couple of people on here fairly recently who were in a bad way because of these very threats, happily now they have been put right on how these things work, to their own advantage in many ways.

regards
Garlok

[what2donext]

Re: What2donext / UE Diary

Hi W2DN,

Unfortunately some people are intimidated by these letters and are bullied into something that they need not do or respond to. There are a couple of people on here fairly recently who were in a bad way because of these very threats, happily now they have been put right on how these things work, to their own advantage in many ways.

regards
Garlok

Thanks for the reply Garlok until we found AAD we would have been the same its only because of the help we have had from AAD that we are now able to read these letters in a totally different way and it makes me smile because using capital letters and highlighting text really is counter productive but would have been a nightmare for us before AAD it just shows how much we have moved forward in 6 months
Cheers
What2do

[what2donext]

Re: What2donext / UE Diary

Could be worth sending this > Account Sold whilst in Dispute

Cheers In2deep would it be worth sending as Niddy has said to wait and see

[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.

18/10/11 Received letter from Barclaycard in response to our Harrasment & Threat of Doorstep Visit letter titled -FINAL RESPONSE I write further to your complaint and respond in my capacity as a Customer Relationship Manager. You have outlined in your complaint that you are unhappy with the level of telephone contact and that everything should be made in writing.You have also stated that you are unhappy regarding visitst to your property.You confirm you confirm that you believe such action would leave Barclaycard in breach of the OFT therefore you revoke permision for such a visit etc. Firstly please accept my apologies for any inconvenience that may have been caused by this matter.
If I may explain,your Barclaycard account has become overdue for repayment therefore under these circumstamces Barclaycard needs to contact you to discuss your current situation and potential repayment arrangements .Barclaycard is primarily a telephone based company and as such will attempt to contact customers by telephone as we believe this is the quickest way to resolve any issues.I must confirm that Barclaycard reserves the right to instruct appointed third parties to contact customers on their behalf which also may include home visits. I have duly noted your comments,however I must advise that i do not agree that Barclaycard will breach any legislative guidelines by conducting a home visit etc etc.

09/11/11 Received today another letter from Mercers - Call Us Now to Avoid Further Action As per our previous letter, if you don't contact us or make a payment, your account will be passed to our agents who will visit your property to secure payment on your account.
19/11/11 Received yesterday another letter fron Mercers -YOUR ACCOUNT IS SERIOUSLY IN ARREARS etc Make 3 missing payment and we will credit your account with the remaining 2 etc
23/12/11 Received letter from CALDER FINANCIAL Our clients Barclaycard have reffered your debt to us for continued non payment of your account arrears.Ifyou do not call us,we will close the account and the full ballance will become due immediately etc etc.

Good afternoon all received the above today do we just leave it and let them close the account. thanks

[garlok]

Re: What2donext / UE Diary

Hi W2DN,

Don't panic, Calders Financial ARE Barclaycard. They reside across the office ganway on the next desk to Mercers Debt Collections. They are just the next level of in house thuggery. You don't appear to have a dN from them or Mercers. That will in all probability be defective. BC have made a fine art of getting all this wrong over the years so I would do nothing and wait for the demand to come for the full amount. Shot themselves in the foot. They cannot take any enforcement action on the back of a defective DN or no DN at all. Don't tell'em that just let them stew.

regards
Garlok

[Never-In-Doubt]

Re: What2donext / UE Diary

Cheers In2deep would it be worth sending as Niddy has said to wait and see

No just wait and see.

[Never-In-Doubt]

Re: What2donext / UE Diary

Good afternoon all received the above today do we just leave it and let them close the account. thanks

As Garlok says, just ignore them as Calders and Barclays are the same thing technically

See what they do next yea?

[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
19/11/11 Received another letter from Triton - URGENT ACTION REQUIRED etc It may be appropriate that a debt recovery agent call on you to discuss and agree proposals for repayment.We would prefer not to take this action etc.
30/11/11 Received letter from Trton -NOTICE OF LEGAL PROCEEDINGS
23/12/11 Received letter from Green & Co solicitors - see below

Received letter below today do we reply and try and work out a low f&f or a repayment plan as this an enforceable debt thanks

[what2donext]

Re: What2donext / UE Diary

Hi W2DN,

Don't panic, Calders Financial ARE Barclaycard. They reside across the office ganway on the next desk to Mercers Debt Collections. They are just the next level of in house thuggery. You don't appear to have a dN from them or Mercers. That will in all probability be defective. BC have made a fine art of getting all this wrong over the years so I would do nothing and wait for the demand to come for the full amount. Shot themselves in the foot. They cannot take any enforcement action on the back of a defective DN or no DN at all. Don't tell'em that just let them stew.

regards
Garlok

No just wait and see.

As Garlok says, just ignore them as Calders and Barclays are the same thing technically

See what they do next yea?

Thanks will do the ignore thing with these

[Never-In-Doubt]

Re: What2donext / UE Diary

Received letter below today do we reply and try and work out a low f&f or a repayment plan as this an enforceable debt thanks

Green & Co is a letterhead rental solicitor - however ignore their point about replying to Try-it-On and instead send them this (they'll then refer it to Try-it-On and eventually drop their interest)....

---> Threat by Creditor - Threat-o-Gram Letter Before Action

Obviously no rush to send it right now!

[what2donext]

Re: What2donext / UE Diary

Green & Co is a letterhead rental solicitor - however ignore their point about replying to Try-it-On and instead send them this (they'll then refer it to Try-it-On and eventually drop their interest)....

---> Threat by Creditor - Threat-o-Gram Letter Before Action

Obviously no rush to send it right now!

Cheers Niddy we will send it as soon as post office is open again