What2donext / UE Diary

[CleverClogs (RIP)]

Re: What2donext / UE Diary

I Would just ignore not a lot Moocroft can do.......

Moocroft?

Do they have BSE?

[what2donext]

Re: What2donext / UE Diary

I Would just ignore not a lot Moocroft can do.......

Moocroft?

Do they have BSE?

Maybe they work for Baahclaycard

[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
06/03/12Received letter from Barclaycard - Formal Demand For Payment -As you have not complied with the recent Default Notice, the outstanding balance shown above is now due etc etc .If a payment is not made by 8 March 2012, a debt collector may call upon you or legal proceedings may be taken against you in the County Court blah blah blah.
22/03/12 Receieved from Barclaycard - your Barclaycard account has now been passed to RMA to manage the collection of the balance. etc etc .
23/03/12 Received a letter from RMA -Please accept this letter as notification that,due to non payment your account has been passed to RMA etc etc .
12/04/12 Received a letter from RMA -NOTICE OF CONCERN -With concern, I note that our records show you have failed to agree on an acceptable repayment plan on your outstanding balance with Barclaycard.etc etc.
17/04/12 Received a letter from RMA - You have been selected for a SETTLEMENT OFFER on your current outstanding balance you must call within 14 days etc etc.
24/04/12 Received another letter from RMA - We are writing to you as despite our attempts to reach a suitable agreement on the repayment of
your outstanding Barclaycard account, to date the matter remains unresolved.Please call us etc etc
28/04/12 Received yet another letter from RMA -NOTICE OF POTENTIAL DOORSTEP RECOVERY -We are writing to formally notify you of our intensions to forward your account to Scotcall LTD,a doorstep recovery agent etc etc.

Good morning everyone received the above this morning, should we send Harassment & Threat of Doorstep-Visit letter or wait until Scotcall contact us ?

[MrsD]

Re: What2donext / UE Diary

I'd send the letter now, but they probably won't appear, and if they do tell em to bugger off

[Deepie]

Re: What2donext / UE Diary

Good morning everyone received the above this morning, should we send Harassment & Threat of Doorstep-Visit letter or wait until Scotcall contact us ?

I Would send it ......Harassment & Threat of Doorstep-Visit letter

[Deepie]

Re: What2donext / UE Diary

Great minds............

[what2donext]

Re: What2donext / UE Diary

I'd send the letter now, but they probably won't appear, and if they do tell em to bugger off

Thanks eld & In2deep much appreciated

[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.
10/12/11 Received letter stating -This is the final opportunity for you to respond before we take further action failure to respond within the next 7 days will result in us handing your acount over to a Debt Collection Agency once your account is passed you may be liable for additional costs.

Debt collectors MAY call at your home
Legal proceedings MAY be issued
We are prepared to come to an arrangement etc etc .
21/01/12 Received a letter - Further to our advice of impending legal action against you, we have not yet had a response your account has now been passed to - Metropolitan Collection Service etc etc .
23/01/12 sent Threat by Creditor - Threat-o-Gram Letter Before Action
28/01/12 Received a letter from Metroplitan Collection Services - We are Debt Recovery Specialists who have been instructed to recover the outstanding balance etc etc .
16/02/12 Received another letter from Metropolitan Collection Services in response to letter sent 23/01/12 - Please find enclosed a copy of our clients response dated 18th August 2011 which encloses a copy of the executed credit card agreement .We have nothing further to add to this matter .Furthermore,we now require your offer of repayment on this account.Matters will be held in abeyance for four weeks pending the above.
17/02/12 Received another letter from Metropolitan Collection Services -We are dissappointed to note that we have been unable to come to an arrangement to clear the outstanding balance.If you do not contact us we intend to instruct solicitors to issue legal proceedings and apply for a charging order against your property.etc etc
17/2/12 Sent -Threat by Creditor - To Apply for a Charging Order
22/03/12 Received a letter from Metropolitan Collection Services -The agreement to hold this account has now expired and you have failed to contact us. We now require repayment of this debt. etc etc
10/04/12 Received letter from Metropolitan - FINAL DEMAND- You have failed to make payment as requested and we therefore now have no alternative but to take further action against you. Thias may involve : Debt Collectors who may call at your door, or Solicitors issuing legal proceedings against you.etc etc
02/05/12 Received a letter from Metropolitan- Please be advised that we are referring your account to DG Solicitors, who will be contacting you within the next 7 days etc etc.

Good afternoon everyone a quick update we received the above today we will wait and see what DG solicitors send thanks

[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.
10/12/11 Received letter stating -This is the final opportunity for you to respond before we take further action failure to respond within the next 7 days will result in us handing your acount over to a Debt Collection Agency once your account is passed you may be liable for additional costs.

Debt collectors MAY call at your home
Legal proceedings MAY be issued
We are prepared to come to an arrangement etc etc .
21/01/12 Received a letter - Further to our advice of impending legal action against you, we have not yet had a response your account has now been passed to - Metropolitan Collection Service etc etc .
23/01/12 sent Threat by Creditor - Threat-o-Gram Letter Before Action
28/01/12 Received a letter from Metroplitan Collection Services - We are Debt Recovery Specialists who have been instructed to recover the outstanding balance etc etc .
16/02/12 Received another letter from Metropolitan Collection Services in response to letter sent 23/01/12 - Please find enclosed a copy of our clients response dated 18th August 2011 which encloses a copy of the executed credit card agreement .We have nothing further to add to this matter .Furthermore,we now require your offer of repayment on this account.Matters will be held in abeyance for four weeks pending the above.
17/02/12 Received another letter from Metropolitan Collection Services -We are dissappointed to note that we have been unable to come to an arrangement to clear the outstanding balance.If you do not contact us we intend to instruct solicitors to issue legal proceedings and apply for a charging order against your property.etc etc
17/2/12 Sent -Threat by Creditor - To Apply for a Charging Order
22/03/12 Received a letter from Metropolitan Collection Services -The agreement to hold this account has now expired and you have failed to contact us. We now require repayment of this debt. etc etc
10/04/12 Received letter from Metropolitan - FINAL DEMAND- You have failed to make payment as requested and we therefore now have no alternative but to take further action against you. Thias may involve : Debt Collectors who may call at your door, or Solicitors issuing legal proceedings against you.etc etc
02/05/12 Received a letter from Metropolitan- Please be advised that we are referring your account to DG Solicitors, who will be contacting you within the next 7 days etc etc.
03/05/12 Received a latter from DG SOLICITORS - We act for HSBC Bank Plc .We refer to the bank's correspondence with you demanding repayment of this debt.We are advised that despite the demand full repayment has not been made.
We may be instructed to take legal action against you in the County Court to recover this debt. To avoid legal action you must pay the amount outstanding within 14 days from the date of this letter. etc etc

Good morning everyone another update above do we send - Threat-o-Gram Letter Before Action - to DG SOLICITORS or wait and see what they send next ? thanks

[Deepie]

Re: What2donext / UE Diary

Good morning everyone another update above do we send - Threat-o-Gram Letter Before Action - to DG SOLICITORS or wait and see what they send next ? thanks

I Would just to be on the safe side ............ not that they ever do much

[what2donext]

Re: What2donext / UE Diary

I Would just to be on the safe side ............ not that they ever do much

Cheers In2deep

[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.

07/11/11Received letter stating - Thank you for your letter dated 29th July 2011 in res[ect pf the agreement referred to above. In your letter you claim that we have not supplied a true copy of your original credit agreement. To confirm, the document enclosed with our recent letter is a copy of the executed agreement that you signed when you decided to take out a credit card with MBNA Europe Bank. You have been provided with a true copy of your credit agreement. Furthermore the "Financial and Related Conditions" set out on the credit agreement are the key terms which, under Schedule 6 of the Consumer Credit (Agreements) Regulations 1983, were prescribed to be included int he credit agreement that you signed. These key terms set out how your credit limit is decided, your minimum payment obligation and your interest rates. When you were sent your credit agreement for signature, these key terms were also repeated in a full set of the Terms and Conditions of your credit agreement which were conveniently set out separately in a document for you to keep. A copy of these terms was enclosed in our previous response. In your letter you also request that we provide a legible copy of the agreement. We have enclosed a true copy of the original agreement and a copy which has been reconstituted from our records for legibility purposes in our previous response. MBNA are satisfied that the regulated credit agreement into which we entered with you satisfies all relevant legal and regulatory requirements. As such, we shall continue to administer this account as normal. We also expect you to continue to make payments to us as they fall due, if you fail to do so, please note that any arrears will be reported to the Credit Reference Agency.
12/12/11 Received Default Notice
15/02/12 Received letter - Your credit agreement has been terminated you will no longer receive statements and we have registered a default at the CRA .It then goes on to what recovery action they may take -Sale of Debt - Placement of Debt -Litigation You will be kept informed of any further action.
15/03/12 Received letter from MBNA - We are taking further action to recover your debt.We have decided that we will take the action of selling your debt to another company.We will be transfering ownership to Varde Invesments (Ireland) Limited .
11/04/12 Received a letter from Experto Credite - We are concerned that you have failed to respond to our previous letter and the above ammount remains out standing. To consider the most appropriate way to recover your debt, it is important that we agree a repayment plan with you today. etc etc
05/05/12 Received a letter from Experto Credite- We are concerned that you have failed to respond to our previous letters etc etc.

Good morning everyone received the above yesterday do we continue to ignore as there is nothing threatening in the letter or do we send or do we send -Account Sold whilst in Dispute- letter - 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
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.
21/01/12 Received letter from Newman Debt Collection Agents- Immediate Action Required .We act for our client RBS regarding the above account contact us etc etc.
13/02/12 Received another letter from Newman Debt Collection - Notice of Further Action - We continue to act for our client RBS we ask that whatever your circumstances you call us immediately to resolve this matter.In the absence of this contact and cooperation we may proceed to litigation in this matter etc etc.
27/02/12 Received a letter from Newman Debt Collection - Notice of Further Action - Our records show that you have not responded to our attempts to contact yo.You must contact us within the next 4 days to prevent avoidable action.
23/03/12 Received from Newman Debt Collection- REPAYMENT OPTIONS- etc etc
02/04/12 Received another letter from Newman Debt Collection - Doorstep Collection Warning - Our records show that to date we have failed to make contact with you. Failure to pay or contact us within 7 days of the date of this letter may result in your account being passed to our field Representative to arrange a Doorstep Call etc etc.
02/04/12 Sent Harassment & Threat of Doorstep-Visit
10/04/12 Received a letter from Newman Debt Collection- We write with reference to your recent correspondence date 2nd April, the content which as been noted. etc etc
05/05/12 Recived a letter from scotcall limited - NOTICE OF PERSONAL VISIT - Your long overdue debt noted as above has been placed with scotcall for collection. scotcall are one of the uk's leading doorstep recovery debt recovery companies etc etc.

Received the above yesterday do we just ignore or send - Harassment & Threat of Doorstep-Visit - letter to scotcall. 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
07/01/12 Sent Harassment & Threat of Doorstep-Visit letter
01/02/12 Received CCA
04/02/12Niddy says Unenforceable
04/02/12 Sent Missing Prescribed Terms letter
03/04/12 Received a letter from Drydens lawyers -We are solicitors instructed by the above to whom you are indebted in the above sum in respect of credit card. Despite reminders issued by our client you have failed to make a payment.
Our client has issued and served a default notice upon you under the CCA1974. Your failure to comply with the notice now results in the termination of your credit agreement as at the date of this letter. Our client therefore demands repayment in the sum of £*****
Please be advised that unless we hear from you beforehand legal proceedings may be issued against you in 14 days. Our intention is to obtain a County Court Judgmentagainst you.
When a judgment is obtained the costs of the action are usually added to the debt. Once a judgment has been obtained and it remains unsatisfied, our client will seek to enforce it by way of a Charging Order which would secure the debt against your property.
03/04/12 Sent Threat-o-Gram Letter Before Action
07/04/12 Received letter from -drydensfairfax solicitors - We acknowledge safe receipt of your letter dated 3 April 2012. In accordance with our complaints procedure your letter has been referred to a member of the firm's compliance team for ivestigation. We aim to sendyou a detailed reply by 19th April 2012.
20/04/12 Received another letter from drydensfairfax - We write further to our letter of 5 April 2012 unfortunately we have not been able to complete our enquiries into this matter,we hope to complete our investigation and send you a detailed reply by 3 May 2012 etc etc.
05/05/12 Received another letter from drydensfairfax- We are currently liasing with our client regarding your CCA request and regret we are not yet in a position to resopond. We can confirm the account remains on hold.

Also received the above yesterday we will just wait for their next letter.thanks

[CleverClogs (RIP)]

Re: What2donext / UE Diary

Received the above yesterday do we just ignore or send -Harassment & Threat of Doorstep-Visit - letter to scotcall. thanks

That should leave those numpties in no doubt, but I can honestly say I've never heard of anyone having their doorstep taken by Sodcall.