What2donext / UE Diary

[Never-In-Doubt]

Re: What2donext / UE Diary

Send a cca now ---> Our Templates | Unenforceability Templates | CCA Request

[what2donext]

Re: What2donext / UE Diary

Send a cca now ---> Our Templates | Unenforceability Templates | CCA Request

Thanks Niddy as they still have our original request with p/o do we have to send another p/o with the new request

[Never-In-Doubt]

Re: What2donext / UE Diary

Thanks Niddy as they still have our original request with p/o do we have to send another p/o with the new request

Oh sorry mate, I misread - thought you said you'd not sent a CCA.... However you actually wrote they'd not replied (ooops)

Ok then send the CCA Reminder here: ---> Our Templates | Unenforceability Templates | CCA Reminder - Unenforceability Threat

[pompeyfaith]

Re: What2donext / UE Diary

No postal order needed as you have already paid it, just send the reminder letter above.

[what2donext]

Re: What2donext / UE Diary

Oh sorry mate, I misread - thought you said you'd not sent a CCA.... However you actually wrote they'd not replied (ooops)

Ok then send the CCA Reminder here: ---> Our Templates | Unenforceability Templates | CCA Reminder - Unenforceability Threat

Thanks Niddy I wondered if you had misread it ,will get the CCA reminder letter in tomorrows post

[what2donext]

Re: What2donext / UE Diary

No postal order needed as you have already paid it, just send the reminder letter above.

Cheers Pompey

[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
30/12/11 Sent Threat by Creditor - Threat-o-Gram Letter Before Action
06/01/12 Received letter from Moorcroft -We acknowledge receipt of your correspondence, please be assured that your account is now on hold whilst we investigate etc etc

Good morning everyone received the above today we will wait and see what they send next thanks

[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.
07/01/12 Received letter stating-As we have not been able to contact you recently we have arranged for one of our representatives to call at your adress etc etc

Good morning everyone received the above today we will send Harassment & Threat of Doorstep-Visit letter thanks

[Deepie]

Re: What2donext / UE Diary

Good morning everyone received the above today we will send Harassment & Threat of Doorstep-Visit letter thanks

nice one......

[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 Triton -NOTICE OF LEGAL PROCEEDINGS
23/12/11 Received letter from Green & Co solicitors - see below
24/12/11 Sent -Threat by Creditor - Threat-o-Gram Letter Before Action
09/01/12 Received letter from Green & Co -We note the contents of your letter and our client has requested that they will respond to you direct.We have therefore been asked to close our file and you will hear from our client direct.

Good morning everyone received the above today in reply to letter sent 24/12/11.We will now wait and see what Tryiton send next thanks

[MrsD]

Re: What2donext / UE Diary

result for the moment, they'll probably pop it off to someone else to have a go, and it'll all begin again, but well done for that one!!!

[what2donext]

Re: What2donext / UE Diary

result for the moment, they'll probably pop it off to someone else to have a go, and it'll all begin again, but well done for that one!!!

Thanks Eld - one seen off many many more to come, but even a small victory makes us more determined to keep fighting.

[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
12/01/12 Received final demand from Lewis Debt Recovery

Good afternoon everyone received a lovely pink letter from Lewis Debt Recovery in today's post do we ignore and see what they send next thanks

[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.
05/12/11 Received letter from Mercers Fantastic Offer Make 2 payments get 2 free etc etc.
10/11/12 Received another IMPORTANT INFORMATION letter from Mercers
12/01/12 Received letter from Calder Financial - A FINAL OFFER OFF HELP - Our clients are prepared to accept 60% of your outstanding balance in f&f settlement of your debt etc etc

We will just ignore and see what they send next thanks

[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
12/01/12 Received final demand from Lewis Debt Recovery
20/01/12 Received a brown envelope with a yellow card inside saying please telephone this number it is very IMPORTANT

Good morning everyone received a rather strange one today it is just a yellow card with please telephone this number it is very IMPORTANT hand written in black felt tip pen on closer inspection it has The Lewis Group name and adress in very small writing on the bottom of the card do we send Harassment & Threat of Doorstep-Visit letter to them or just ignore thanks