What2donext / UE Diary

[what2donext]

Re: What2donext / UE Diary

Merry Christmas everyone
A special thanks goes out to all who have helped us and contributed to our U/E diary, Also the site mods who keep things running smoothly not forgetting Niddy who gives his time up so willingly to help others
Have a good one everyone
Cheers
Mr & Mrs What2do

[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
07/12/11 Received Statuatory Arrears Notice
07/12/11 Received FINAL DEMAND
08/12/11 Received letter posted below
30/12/11 Received letter from Moorcroft Debt Recovery see below

Good Morning everyone Received Letter below from Moorcroft do we respond with anything ? thanks

[Deepie]

Re: What2donext / UE Diary

Send this > Threat by Creditor - To Commence Litigation

[garlok]

Re: What2donext / UE Diary

You're OK you are not on to their Pre School Potty Training Group yet (Pre Litigation Division) who can be seen off at the merest whisper that you know your rights.

How Moorcroft survive I don't know, there must be an awful lot of gullible people out there or they prey only the most vulnerable.

regards
Garlok

[BBoo]

Re: What2donext / UE Diary

If that is a Letter Before Action I'm a duck! Quack, quakety quack - no, seriously that is no threat and is not going to go anywhere serious at present in my opinion.

[what2donext]

Re: What2donext / UE Diary

[QUOTE=in 2 deep;139775]Send this > Threat by Creditor - To Commence Litigation

Cheers In2deep we will send letter today as it will give them something to read/ignore when they get back to work on Tuesday enjoy the New Year and thanks again for your help over the last few months

[what2donext]

Re: What2donext / UE Diary

If that is a Letter Before Action I'm a duck! Quack, quakety quack - no, seriously that is no threat and is not going to go anywhere serious at present in my opinion.

Thanks BBoo Happy new year

[what2donext]

Re: What2donext / UE Diary

You're OK you are not on to their Pre School Potty Training Group yet (Pre Litigation Division) who can be seen off at the merest whisper that you know your rights.

How Moorcroft survive I don't know, there must be an awful lot of gullible people out there or they prey only the most vulnerable.

regards
Garlok

Thanks Garlok i thought if anyone would know about them it would be you thanks for your help over the last few months,Have a good new year

[Never-In-Doubt]

Re: What2donext / UE Diary

Cheers Mr & Mrs WTDN - hope you have a good un yourselves, you're doing fine - and as for the Moorcroft nonsense, yea - I would follow the other guys and simply ignore them...... muppets!

[what2donext]

Re: What2donext / UE Diary

Cheers Mr & Mrs WTDN - hope you have a good un yourselves, you're doing fine - and as for the Moorcroft nonsense, yea - I would follow the other guys and simply ignore them...... muppets!

Cheers Niddy same to you don't have too much falling down water, we have already sent - Threat by Creditor - To commence Litigation letter it wont make any difference will it ?

[Never-In-Doubt]

Re: What2donext / UE Diary

Nope it's fine but you didn't need to. However no harm done.

[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
01/11/12 Received leter stating - Final opportunity to respond before we take further action and issue a default notice etc etc
02/12/11 Sent Niddy special
10/12/11 Received Default Notice
31/12/11 Received termination letter we do not understand why you have not contacted us etc etc.

Good evening everyone received the above on saturday we will just ignore and wait to see if they reply to the Niddy special sent early December thanks

[Never-In-Doubt]

Re: What2donext / UE Diary

Yep just ignore it - see what's next

[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
01/11/11 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.
04/01/12 Received letter from VIKING -We are writing to inform you that the collection of your outstanding balance will now be carried out on our behalf by The Lewis Group.The next communication you will receive will be from The Lewis Group etc etc

Good morning everyone just received the above we will just ignore and see what The Lewis Group have to say

[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 etcetc.
24/11/11 Received Default Notice from Mercers
01/12/11 Received letter from CALDER FINANCIAL headed A FINAL OFFER OF HELP - Your account with Barclaycard has been referred to us for collection for continued non payment of your account arrears.
However,Barclaycard have agreed we may offer you a repayment opportunity to avoid the need for further recovery action.
1-Our clients are prepared to accept 60% of your outstanding balance in full & final settlement
2-Our clients will allow us to offer you arrange of reduced payment options please call us etc etc.
05/01/12 Received letter - Formal Demand for payment As you have not complied with the recent Default Notice the outstanding balance is now due in full,Your balance will continue to acrue interest until we receive this payment .We will no longer send statements to you.It is our policy to let Credit Reference Agencies know etc etc.If a payment is not made by the 8th January 2012,a Debt Collector may call upon you or legal proceedings taken against you in the County Court.

Good morning everyone received the above today is it another letter we ignore as they still have not sent a CCA .thanks