diddlydee's UE diary

[diddlydee]

Re: diddlydee's UE diary

Thanks Niddy, I'm grateful for your kind (and bloody quick!) replies.

I did send missing prescribed terms to Rossendales on the 14th July http://forums.all-about-debt.co.uk/s...7&postcount=58 however I'm happy to send it to them again, and will cc it to Arrow (as they have been assigned the debt and also wrote to me).

One quick point; you refer to the Cabot v Bachellier case. Should I try to adapt the template to refer to that case, or am I okay to send it as is.

Diddly xxx

[Never-In-Doubt]

Re: diddlydee's UE diary

Thanks Niddy, I'm grateful for your kind (and bloody quick!) replies.

I did send missing prescribed terms to Rossendales on the 14th July http://forums.all-about-debt.co.uk/s...7&postcount=58 however I'm happy to send it to them again, and will cc it to Arrow (as they have been assigned the debt and also wrote to me).

One quick point; you refer to the Cabot v Bachellier case. Should I try to adapt the template to refer to that case, or am I okay to send it as is.

Diddly xxx

Hiya

I would just send it as is - they don't read em anyway do they

[diddlydee]

Re: diddlydee's UE diary

That being the case, we really should rewrite them to include the words "custard" and "raspberry sauce"

[Never-In-Doubt]

Re: diddlydee's UE diary

Maybe not eh?

Sods law they'd read em then

[diddlydee]

Re: diddlydee's UE diary

Re: MBNA card

Good day all, nice of you to visit me.

Further to my diary update of the 15th August when I sent the "missing prescribed terms" template to both Arrow (Assignee) and Rossendales (DCA), I have now received the following letter from Arrow:

In response to a request for a statement under Section 78 of the Consumer Credit Act 1974, we enclose:
1) a copy of the agreement;
2) a copy of the terms & conditions;
3) a copy of the Originators statements;

We confirm:
a) the account is in default;
b) the total sum outstanding is £squillions;
c) the amounts which will become payable comprise of interests and costs, depending on what enforcement action is taken against you.

Please now provide your proposal for repayment of your debt. Failure to do so will result in the continuation of collection activity, which in your case may include litigation.

This account is currently being operated on our behalf by Rossendales. We will deal with this document request only and all other enquiries should be directed to them.


The documents enclosed are no different to what I have received previously, however, Rossendales have now started to ring throughout the day and this is the first threat of legal action.

I would be most grateful on any input on how best to proceed, lovely people of the interweb

[Deepie]

Re: diddlydee's UE diary

Re: MBNA card

Good day all, nice of you to visit me.

Further to my diary update of the 15th August when I sent the "missing prescribed terms" template to both Arrow (Assignee) and Rossendales (DCA), I have now received the following letter from Arrow:

In response to a request for a statement under Section 78 of the Consumer Credit Act 1974, we enclose:
1) a copy of the agreement;
2) a copy of the terms & conditions;
3) a copy of the Originators statements;

We confirm:
a) the account is in default;
b) the total sum outstanding is £squillions;
c) the amounts which will become payable comprise of interests and costs, depending on what enforcement action is taken against you.

Please now provide your proposal for repayment of your debt. Failure to do so will result in the continuation of collection activity, which in your case may include litigation.

This account is currently being operated on our behalf by Rossendales. We will deal with this document request only and all other enquiries should be directed to them.


The documents enclosed are no different to what I have received previously, however, Rossendales have now started to ring throughout the day and this is the first threat of legal action.

I would be most grateful on any input on how best to proceed, lovely people of the interweb

Send them this Harassment by Telephone

[diddlydee]

Re: diddlydee's UE diary

Re: MBNA c/c - allaboutFORUMS - View Single Post - diddlydee's UE diary

For information only

Letter received dated the 7th September from Rossendales collect who act on behalf of Arrow Global.

________________________________________________

Further to your recent communication, we must inform you that your case has been referred back to our clients.

Please ensure any future payments or correspondence is sent directly to them.

________________________________________________

So looks like we've beaten Rossendales....... I'll await to see who Arrow instruct next

[Never-In-Doubt]

Re: diddlydee's UE diary

Nice one - keep us updated

[diddlydee]

Re: diddlydee's UE diary

Latest Update: Barclaycard -> http://forums.all-about-debt.co.uk/s...95&postcount=2

Letter received from Apex, enclosing letter from Barclaycard (different letter to that which I've previously received) and what I believe is just T&C's.

Emailed to Niddy for comment.

[Never-In-Doubt]

Re: diddlydee's UE diary

So they're quoting CPR etc at you - fine, thats cos they think you're taking action and have omitted CPR process (ie letter before action blah blah) - but that's the error, they "think" you're taking action - but you're not!

As for the actual agreement, well thats a cancellation form - where's the agreement then? Nothing signed on it, if so then it'd be cancelled as it's a cancellation form!

This was an old staff card of a building society, the terms are associated to a barclaycard from 2008. They need to send terms from inception and current ones - not just the current ones, muppets.

Nothing changes, still

Ignore this - I've seen loads of these letters before.

[garlok]

Re: diddlydee's UE diary

Just a quick question diddly if I may?

You mention a letter enclosed from Barclaycard in the previous post. Can I ask was the letter genuine. Was the return address on the envelope and address in Bristol? The one we had enclosed with a letter from Lowells purporting to be Barclaycard's Notice of Assignment was almost certainly a forgery. The logo was green and purple, it was the incorrect size and placed incorrectly on the paper which in itself was semi- glossy which Barclaycard have never used in anything previous to us and there is a lot to compare it to. The font was one we had not seen before either. I know NoAs can be on toilet paper but this one is just so wrong.

Hence I am wondring if Barclaycard are sedning these thinbgs out via debt purchasers genuinely or whether the forging habit is now spreading and I would like to bang a few more nails in Lowells coffin.

regards
Garlok

[diddlydee]

Re: diddlydee's UE diary

Cheers Niddy, you are a star!

13 minutes to reply eh, what kept you!!!

Roll on the "staff" Christmas party, my oh my Niddy will be drunk!

[Never-In-Doubt]

Re: diddlydee's UE diary

You mention a letter enclosed from Barclaycard in the previous post. Can I ask was the letter genuine.

Yes mate, i've seen loads of them before - its a standard reply to omitted s.78 and where we mention a court order under CPR (31.16) they respond to it assuming we are threatening court - incorrect assumption of course, but it does come from Barclaycard - not a DCA.

[diddlydee]

Re: diddlydee's UE diary

Just a quick question diddly if I may?

You mention a letter enclosed from Barclaycard in the previous post. Can I ask was the letter genuine. Was the return address on the envelope and address in Bristol? The one we had enclosed with a letter from Lowells purporting to be Barclaycard's Notice of Assignment was almost certainly a forgery. The logo was green and purple, it was the incorrect size and placed incorrectly on the paper which in itself was semi- glossy which Barclaycard have never used in anything previous to us and there is a lot to compare it to. The font was one we had not seen before either. I know NoAs can be on toilet paper but this one is just so wrong.

Hence I am wondring if Barclaycard are sedning these thinbgs out via debt purchasers genuinely or whether the forging habit is now spreading and I would like to bang a few more nails in Lowells coffin.

regards
Garlok

Hi Garlok.

The logo is blue and purple on mine too, but paper isn't glossy, and it is the usual Barclaycard font and return address on the letter!

[garlok]

Re: diddlydee's UE diary

Thanks guys I will shelve the letter with all the relevant stuff on that account then.

regards
Garlok