What2donext / UE Diary

[ScabHunter]

Re: What2donext / UE Diary

This is what I would send to MKDP -

“FORMAL COMPLAINT

Dear Sirs,

I am in receipt of a formal letter of claim from your associate organisation Keynes Collections, to which I have now responded. I regret to say that your letter exhibits multiple inaccuracies, and appears to be designed purely to obfuscate the facts in a remarkably crude manner. I regret also that you continue to ignore the issues raised in my previous communications, and that you fail to do your due diligence before sending out such frivolous and entirely inappropriate responses.

As a direct consequence of this, I am now forced to raise a formal complaint with your own organisation in an attempt to force you to comply with the relevant legislation. Note that the following request is made pursuant to the Consumer Protection from Unfair Trading Regulations 2008, and that continued attempts to mislead could result in prosecution from the appropriate Trading Standards department.

I therefore now make a formal request pursuant to the Consumer Protection from Unfair Trading Regulations 2008, that you inform me whether or not you hold a fully compliant Consumer Credit Agreement for this alleged "account", signed by the alleged debtor or hirer, including all of the prescribed terms required to satisfy Section 61(1)a of the Consumer Credit Act 1974, that is, the form prescribed in the Consumer Credit Agreements Regulations 1983, Schedules 1, 2 and 6, as amended.

I look forward to your response, and also the response from your associates to my answer to your formal letter of claim.

Yours Faithfully,”

SH

[Still Waving]

Re: What2donext / UE Diary

Excellent letters as always SH.

I do find that the letters coming from MKRR, MKDP and KS cause me some confusion, as they seem to all be part and parcel of the same organisation. However I would like to raise a query, for my own clarification. In the letter which you suggest sending to KS you tear apart the letter dated 6 March, but that letter came from MKDP.

MKDP are now apparently the legal owners of the account, so it seems right that the formal CPUTR request in your second letter goes to them. However, I am wondering whether the part of your first letter (to KS) which deals with the 6 March letter, should actually be incorporated in the letter to MKDP?

(EDIT) Or is is simply that the addressees of the two letters should be transposed?

regards
NDBW

[ScabHunter]

Re: What2donext / UE Diary

You raise some good points, NDBW.

I've got to go out in an hour or so, so I'll leave a reply until I get back, if I can. That way, I can give this the attention it deserves without having to look at the clock all the time.

SH

[what2donext]

Re: What2donext / UE Diary

I have been thinking quite a lot about this one over the weekend, and trying to work out what I would do in this situation. Their letter of 6th March is actually quite “clever” in its own entirely deceptive way, as it confuses a true copy with an exact copy in an attempt to force the deceived alleged debtor to capitulate.

I've decided that what I would do is respond to the formal letter of claim in the usual way, but also point out at the same time that I have just submitted a formal complaint to their associate company, incorporating a CPUTR request for information. The reasoning behind this is that it takes the potential dispute out of the realms of relying on Section 78 alone, and into the level where the more significant legislation of Sections 61(1)(a) and 127(3) come into play. The combination of letters also reverses the polarity, in that it is now the debt collectors who need to worry about losing money. A court claim could result in them having to pay costs, while the formal complaint opens up the possibility of a Trading Standards prosecution and, more realistically, escalation to the Fobbing Off Service at their expense.

It is well worthwhile to read Priority One's CPUTR thread, if you haven't done so already. This is a tactic with a proven pedigree of keeping cases out of court, and now seems like the right time to bring it into play. I don't believe that so-called “LBA” is a serious threat anyway, but it might be possible to gain some significant ground by assuming that it is.

PriorityOne CPUTR 2008 (ex P1 CAG CPUTR 2008) - allaboutFORUMS

This is only my opinion, and what I would do in these circumstances. If anybody has any other ideas, post them here so that What2donext can decide which course to follow. Below are the letters which I would send, both at exactly the same time, but in different envelopes to the appropriate organisation. Send them recorded delivery.

SH

Two fantastic letters SH without your help we would have been stumped many thanks again SH

[ScabHunter]

Re: What2donext / UE Diary

I do find that the letters coming from MKRR, MKDP and KS cause me some confusion, as they seem to all be part and parcel of the same organisation. However I would like to raise a query, for my own clarification. In the letter which you suggest sending to KS you tear apart the letter dated 6 March, but that letter came from MKDP.

Indeed, but it is KC who have sent a letter which could well be interpreted as a formal letter of claim. In order to answer that, we need to be analysing the letters send by their associate organisation. It is those letters which contain the attempts to deceive which are so fundamental to the dispute.

In effect, KC are acting as a type of pseudo-licitor, and taking on the role which a solicitor would normally play when litigating on behalf of a DCA.

However, I am wondering whether the part of your first letter (to KS) which deals with the 6 March letter, should actually be incorporated in the letter to MKDP?

You could do that, there is no reason why not. However, the letter to MKDP is not a response to anything. It is an initiatory communication designed to achieve a specific purpose, that is, a declaration of the paperwork which is held, courtesy of the CPUTR 2008. As such, I would stick solely to that one purpose, and not duplicate what was written to the effective pseudo-licitor.

SH

[Still Waving]

Re: What2donext / UE Diary

Thanks for the explanation SH.

This link shows the escalation links between these agencies, and helps to put it in perspective. http://compellogroup.co.uk/who-are-w...llections.aspx

[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.
21/05/12 Received another letter from Scotcall - PRE - VISIT NOTICE
21/05/12 Sent Harassment & Threat of Doorstep-Visit letter to Scotcall
24/05/12 Received another letter from Scotcall - Please find enclosed paperwork relating to an account we are no longer dealing with. It was returned to our client on 22/05/2012. Please contact them at the address supplied.
28/07/12 Received a letter form MINT : Our collection agent has been unable to contact you or agree a suitable repayment plan therefore your account details have been passed to Wescot Credit Services Ltd etc etc
18/08/12 Received a lettter from Wescot: Wescot Credit Services is a specialist DEBT COLLECTION organisation. We have been instructed by our client to collect the above outstanding balance on their behalf. PLEASE CONTACT US AS SOON AS POSSIBLE AS FAILURE TO DO SO WILL RESULT
IN FURTHER RECOVERY ACTION.
18/08/12 Sent: Accound Sold Whilst In Dispute - letter to Wescot
25/08/12 Received a letter from Wescot: Following your recent request for a signed agreement, our client has requested you write to the follwing adress and state in your covering letter that this is a section 77/78 request and enclose a £1.00 postal order payable to our client.
25/10/12 Received from Wescot: FINAL NOTICE - our latest enqueries have now confirmed you are still resident at this adress but we have not received a reply to our previous correspondence. Unless you contact us to agree repayment within the next 10 days, further collection activity will be taken etc etc
26/10/12 Sent: short letter to Wescot telling them when CCA request was sent.
08/11/12 Received a letter from wescot: We will suspend all collections on the above account,upon concluding our investigation, we will contact you again etc etc.
12/11/12 Received from Wescot: We refer to your recent communication.Having contacted our client they have advised that they have previopusly responded to your query, please see attached
In the circumstances we believe the dispute has now been resolved and the full balance or an agreed monthly installment is reqired etc etc
16/11/12 Sent: Missing Prescribed Terms to Wescot
30/11/12 Received a letter from Wescot in reply to Missing Prescribed Terms: We refer to your recent communication.Having contacted our client they have advised that the above balance is correct and due for payment. Please see the attached letter our client sent to you in response to your dispute
In the circumstances, we believe the dispute has now been resolved and the full balance or an agreed monthly instalment is required etc etc. If in the event you believe you still have a valid dispute, please contact us with the details within the next 14 days otherwise your accountwill be returned to our recovery team for collection.
8/12/12 Creditor Refusal to Accept UE Status sent to Wescot
20/12/12 Received a letter from Wescot: Thank you for your recent contact with regard to the above account. We acknowledge you have raised a query etc etc . We will suspend all collections activity etc etc.
22/12/12 Received from Wescot: See post above received on 30/11/12
04/01/13 Sent a 1 liner referring Wescot back to our letter dated 8/12/12
22/01/13 Received from Wescot in reply to the above : Thank you for your recent communication regarding the above account.
Your letter dated 8/12/2012 was passed to our client. A letter of response was issued on the 19/12/2012.
Should you wish to query this account further, you would need to put the full details of your query in writing.
22/02/13 Received from MINT: Our collection agent has been unable to contact you or agree a suitable repayment plan therefore your account details have been passed to Regal Credit Consultants Ltd.Regal credit solutions will be in touch within 14 days etc etc.
09/03/13 Received a letter from REGAL CREDIT: Your account has been passed to us etc etc, we will contact you during the next 7days etc etc.
05/04/13 Received from REGAL CREDIT : it is in your own interest to contact us to discuss this matter and it our obligation to advise you that if we do not hear from you we will be instructing our field collectors (ScotCall) to visit you to discuss the matter with you in person.
08/04/13 Sent Account Sold Whilst in Dispute & Harrament & Threat of Doorstep-Visit to Regal Credit
18/04/13 Received from Regal Credit: We are in receipt of your recent complaint, either directly or otherwise, and we are sorry that you have felt it necessary to take this course of action.
It may be that the cause of your complaint is beyond our control etc etc.
If we can respond to your complaint immediately we shall do so. We shall update you with our progress every 2 weeks.
We shall provide a Final Response within 8 weeks and will provide details of the escalation process if applicable. Once we have issued a Final Response we will not engage in ongoing communication regarding the same issue.

Good morning everyone a quick update above, we will just wait and see what they send next 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.
21/05/12 Received another letter from Scotcall - PRE - VISIT NOTICE
21/05/12 Sent Harassment & Threat of Doorstep-Visit letter to Scotcall
24/05/12 Received another letter from Scotcall - Please find enclosed paperwork relating to an account we are no longer dealing with. It was returned to our client on 22/05/2012. Please contact them at the address supplied.
28/07/12 Received a letter form MINT : Our collection agent has been unable to contact you or agree a suitable repayment plan therefore your account details have been passed to Wescot Credit Services Ltd etc etc
18/08/12 Received a lettter from Wescot: Wescot Credit Services is a specialist DEBT COLLECTION organisation. We have been instructed by our client to collect the above outstanding balance on their behalf. PLEASE CONTACT US AS SOON AS POSSIBLE AS FAILURE TO DO SO WILL RESULT
IN FURTHER RECOVERY ACTION.
18/08/12 Sent: Accound Sold Whilst In Dispute - letter to Wescot
25/08/12 Received a letter from Wescot: Following your recent request for a signed agreement, our client has requested you write to the follwing adress and state in your covering letter that this is a section 77/78 request and enclose a £1.00 postal order payable to our client.
25/10/12 Received from Wescot: FINAL NOTICE - our latest enqueries have now confirmed you are still resident at this adress but we have not received a reply to our previous correspondence. Unless you contact us to agree repayment within the next 10 days, further collection activity will be taken etc etc
26/10/12 Sent: short letter to Wescot telling them when CCA request was sent.
08/11/12 Received a letter from wescot: We will suspend all collections on the above account,upon concluding our investigation, we will contact you again etc etc.
12/11/12 Received from Wescot: We refer to your recent communication.Having contacted our client they have advised that they have previopusly responded to your query, please see attached
In the circumstances we believe the dispute has now been resolved and the full balance or an agreed monthly installment is reqired etc etc
16/11/12 Sent: Missing Prescribed Terms to Wescot
30/11/12 Received a letter from Wescot in reply to Missing Prescribed Terms: We refer to your recent communication.Having contacted our client they have advised that the above balance is correct and due for payment. Please see the attached letter our client sent to you in response to your dispute
In the circumstances, we believe the dispute has now been resolved and the full balance or an agreed monthly instalment is required etc etc. If in the event you believe you still have a valid dispute, please contact us with the details within the next 14 days otherwise your accountwill be returned to our recovery team for collection.
8/12/12 Creditor Refusal to Accept UE Status sent to Wescot
20/12/12 Received a letter from Wescot: Thank you for your recent contact with regard to the above account. We acknowledge you have raised a query etc etc . We will suspend all collections activity etc etc.
22/12/12 Received from Wescot: See post above received on 30/11/12
04/01/13 Sent a 1 liner referring Wescot back to our letter dated 8/12/12
22/01/13 Received from Wescot in reply to the above : Thank you for your recent communication regarding the above account.
Your letter dated 8/12/2012 was passed to our client. A letter of response was issued on the 19/12/2012.
Should you wish to query this account further, you would need to put the full details of your query in writing.
22/02/13 Received from MINT: Our collection agent has been unable to contact you or agree a suitable repayment plan therefore your account details have been passed to Regal Credit Consultants Ltd.Regal credit solutions will be in touch within 14 days etc etc.
09/03/13 Received a letter from REGAL CREDIT: Your account has been passed to us etc etc, we will contact you during the next 7days etc etc.
05/04/13 Received from REGAL CREDIT : it is in your own interest to contact us to discuss this matter and it our obligation to advise you that if we do not hear from you we will be instructing our field collectors (ScotCall) to visit you to discuss the matter with you in person.
08/04/13 Sent Account Sold Whilst in Dispute & Harrament & Threat of Doorstep-Visit to Regal Credit
18/04/13 Received from Regal Credit: We are in receipt of your recent complaint, either directly or otherwise, and we are sorry that you have felt it necessary to take this course of action.
It may be that the cause of your complaint is beyond our control etc etc.
If we can respond to your complaint immediately we shall do so. We shall update you with our progress every 2 weeks.
We shall provide a Final Response within 8 weeks and will provide details of the escalation process if applicable. Once we have issued a Final Response we will not engage in ongoing communication regarding the same issue.
30/04/13 Received Regal Credit's Final Response .

Good afternoon everyone below is the latest update on the above account any advice as to our next move would be much appreciated thanks

[Never-In-Doubt]

Re: What2donext / UE Diary

You need to wait for them to send the proper paperwork, as they say will try and do. For now, ignore it as you do not want to make a monthly offer do you?

[Still Waving]

Re: What2donext / UE Diary

It doesn't look as if they are going to be sending any paperwork, as this is their 'final response' on that point. However, just awaiting their next move would seem the thing to do.

[Never-In-Doubt]

Re: What2donext / UE Diary

shit sorry misread - yea just sit and wait, see what they send next!

[what2donext]

Re: What2donext / UE Diary

It doesn't look as if they are going to be sending any paperwork, as this is their 'final response' on that point. However, just awaiting their next move would seem the thing to do.

shit sorry misread - yea just sit and wait, see what they send next!

Cheers

[ScabHunter]

Re: What2donext / UE Diary

It should also be pointed out that the Bagshot Bunglers are entirely out of order issuing a “final response”, as this procedure only applies in the case of formal complaints. Neither the SWID letter nor the doorstep harassment template constitute such a complaint.

You could tell them how to do their jobs, but it is probably a better idea to let them work it out for themselves. All together now - “One plus one equals two, one plus two equals three, two plus two equals...er....er....where's the calculator?”

SH

[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.
04/02/12 Received another Formal Demand for Payment - As you have not coplied with the recent Default Notice,the outstanding balance shown above has become due in full and we demand that you pay this amount to os immediately.Your balance will continue to accrue interest at the current rate until we receive this payment.We will no longer send statements to you etc etc
04/02/12 Threat by Creditor - To Commence Litigation letter sent
09/02/12 Received a letter in response to the above also containing the letter received on 02/08/11 as it is a rater long letter i will scan it and send it to Niddy
17/02/12 Received letter from Barclaycard -Your Barclaycard has now been passed to Credt Solution Ltd to manage etc etc.
22/02/12 Received letter from Credit Solutions- IMPORTANT NOTICE-We act as agents for Barclay's Bank trading as Barclaycard Barclaycard have informed us that you have not complied with the Default Notice they recently sent to you etc etc. Continued non payment could result in more direct methods of recovery including- A DEBT COLLECTOR CALLING ,A COUNTY COURT CLAIM.
03/03/12 Received letter from power2contact- we have been instructed by our client to VISIT YOUR ADRESS TO COLLECT THE ABOVE blah blah blah.
03/03/12 Harassment & Threat of Doorstep-Visit letter sent to power2contact
19/03/12 Received postacard from Power 2 Contact - I CONFIRM I WILL BE CALLING TO DISCUSS THE RECENT COMMUNICATION FROM CSL - ON ---- WEDNESDAY ------BETWEEN 9.00AM - 9.OOPM
23/03/13 Received a letter from Credit Solutions - OPPORTUNITY TO SAVE £££'S - Despite our numerous attempts to contact you etc etc. We have the opportunity to offer you a discount on the balance shown to help you finally clear this debt once and for all.etc etc.
12/04/12 Received a letter from Credit Solutions - NOTICE OF LEGAL PROCEEDINGS - the above debt remains outstanding, failure to pay within 7 days may result in legal proceedings being issued against you etc. etc.
13/04/12 Sent Threat-o-Gram Letter Before Action to Credit Solutions.
14/04/12 Received a letter from power2contact - FORMAL NOTICE OF INTENDED VISIT - Credit Solutions Ltd indicate that since our previous letter, you have failed to make a suitable arrangement to repay your outstanding debt. I write to inform you that we have been instructed to visit you at the above adress in an attempt to make a Financial Evaluation prior to any potential Legal Proceedings. etc etc.
25/04/12 Received a letter from Credit Solutions - offer of settlement - our client has advised us that in order to bring the above issue to a speedy conclusion, they are prepared to offer a substantial discount for an immediate payment .etc etc
12/07/12 Received a letter from Barclaycard : I am writing to inform you the above account was assigned and transferred by Barclaycard to MKDP LLP.MKDP LLP has appointed MK Rapid Recoveries as their servicing agent to manage your account on their behalf etc etc.
03/08/12 Received a letter from MK Rapid Recoveries : Further to our recent communication regarding transfer of ownership of your balance we have not yet received your offer of payment etc etc. Until we reach an agreement to clear this balance we will continue to contact you by telephone or letter so we would advise you contact us to resolve this matter.
06/08/12 Account Sold whilst in Dispute & Harassment by Telephone letters sent to MKRR.
14/08/12 Received a letter from MKDP: We are in receipt of your recent correspondence in regards to the outstanding balance stated above.
At this time we are unable to resolve your query, which reqires further in vestigation.We will be liasing with the Original Creditor where applicable and we will contact you as soon as we receive a response et etc.
06/11/12 Received another letter from MKDP: At this time as we are still unable to resolve your query . We are however currently liasing with the Barclaycard , and we will contact you as soon as we receive a response etc etc.
02/02/13 Received from MKDP :
Further to your recent communication, please find enclosed documents you have requested.
Statements of account
A copy of the Credit Agreement has been requested from the original creditor and this will be forwarded to you on receipt .
We request you contact us etc etc.
25/02/13 Received from MKDP: I write further to our letter of acknowledgement we sent you in regards to the above account. At this time we must apologise as we are still unable to resolve your query. etc etc
04/04/13 Received from MKDP: I write further to our letter of acknowledgement we sent you in regards to the above account. At this time we must apologise as we are still unable to resolve your query. etc etc
09/05/13 Received from MKDP: I write further to our letter of acknowledgement we sent you in regards to the above account. At this time we must apologise as we are still unable to resolve your query. etc etc

Good morning everyone a quick update on the above account they have now sent the same letter 3 times we will just wait ans see if they find anything

[Never-In-Doubt]

Re: What2donext / UE Diary

Good morning everyone a quick update on the above account they have now sent the same letter 3 times we will just wait ans see if they find anything

Here's hoping they don't!