Swanfan's UE diary

[swanfan]

Re: Swanfan's UE diary

MBNA

Last payment- Aug 2009
Status- Defaulted
Balance-12.8K

CCA request to Experto-15/02/10
CCA reminder to Experto-13/03/10
CCA sect 10 to Experto-14/04/10
CCA query to Experto-26/04/10
Harassment by Phone ToLAT to Experto- 03/09/10
Threat by lender & Refusal doorstep visitto CMC- 18/05/11
Threat by lender TCL to CMC- 7/06/11
Threatogram LBA to CMC- 12/07/11
Enough is enough to Fairfax- 27/10/11
Account sold wid to Aktiv Kapital- 17/03/12

account sold to Aktiv capital. I'm to contact them now to clear this oustanding amount.

So account on hold while Aktiv contact the oc for the original documentation.

Hopefully not the same i've had the last 2 times.

[Susie]

Re: Swanfan's UE diary

Such a shame when an old friend sends the account back, you now have to start training another DCA just when you were getting somewhere with Moorcrap

[Pixie]

Re: Swanfan's UE diary

At least they let you know!
Both of mine that they had, they just disappeared

[swanfan]

Re: Swanfan's UE diary

Letter from Moorcroft re Mint account enclosing a copy of their previous one saying i have not responded to it. Gonna send the final response cca received--> Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received)

So another reply from moorcroft...

'There is clearly a conflict of opinion as our client believes you remain liable for this debt but you state you do not wish to discuss this account any further with us. Therefore the account is beiing returned to our client, and you will not hear from us again...'

[swanfan]

Re: Swanfan's UE diary

Don't blame you, I was just thinking along the lines that if it was sold a few times the final purchase price by a DAC could end up as something like 3p in the pound of the original debt!!

I know that but i've been blagging this account for 18 months, from my pov no point offering f&f.

[Susie]

Re: Swanfan's UE diary

Don't blame you, I was just thinking along the lines that if it was sold a few times the final purchase price by a DAC could end up as something like 3p in the pound of the original debt!!

[swanfan]

Re: Swanfan's UE diary

Sooo if Varde bought it for xx pence in the pound from MBNA, will Aktiv have bought it for xx pence in the £ that was paid by Varde? If they pay less than the amount Varde paid this could bring the eventual total down significantly if you ever decided to do a f&f

Em no.

[Susie]

Re: Swanfan's UE diary

Sooo if Varde bought it for xx pence in the pound from MBNA, will Aktiv have bought it for xx pence in the £ that was paid by Varde? If they pay less than the amount Varde paid this could bring the eventual total down significantly if you ever decided to do a f&f

Glad Varde do give up sometimes though, the letters are obviously working nicely

[swanfan]

Re: Swanfan's UE diary

MBNA

Last payment- Aug 2009
Status- Defaulted
Balance-12.8K

CCA request to Experto-15/02/10
CCA reminder to Experto-13/03/10
CCA sect 10 to Experto-14/04/10
CCA query to Experto-26/04/10
Harassment by Phone ToLAT to Experto- 03/09/10
Threat by lender & Refusal doorstep visitto CMC- 18/05/11
Threat by lender TCL to CMC- 7/06/11
Threatogram LBA to CMC- 12/07/11
Enough is enough to Fairfax- 27/10/11

Experto and varde have had enough of niddys' letters, account sold to Aktiv capital. I'm to contact them now to claer this oustanding amount.

[swanfan]

Re: Swanfan's UE diary

Another long winded response from Moorcroft,

'Our client has suggested they have provided me with documentation required in line with CCA request and are saying pay up (again). They say that the correct docs have been supplied after all.' (Erm no they bloody haven't, Niddy says so my butt!!)
They then waffle on about the oft before stating, 'The account remains on hold for 28 days while i provide details of any concerns i have as to why i believe the debt is unenforceable.'

Either ignore or send final response - cca received mate

Letter from Moorcroft re Mint account enclosing a copy of their previous one saying i have not responded to it. Gonna send the final response cca received--> Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received)

[Never-In-Doubt]

Re: Swanfan's UE diary

Already have that was their response to it.

fine ignore them then

[swanfan]

Re: Swanfan's UE diary

Already have that was their response to it.

[Never-In-Doubt]

Re: Swanfan's UE diary

Either ignore or send final response - cca received mate

[swanfan]

Re: Swanfan's UE diary

Well hot on the heels of the previous letter Moorcroft are now saying to stop them recommending to their clients that solicitors commence legal proceedings they are prepared to accept £120 per month.

Erm no, sending this instead & a copy of their own letter admitting no cca--> Our Templates | Unenforceability Templates | CCA Query - Letter Previously Confirming No CCA

Another long winded response from Moorcroft,

'Our client has suggested they have provided me with documentation required in line with CCA request and are saying pay up (again). They say that the correct docs have been supplied after all.' (Erm no they bloody haven't, Niddy says so my butt!!)
They then waffle on about the oft before stating, 'The account remains on hold for 28 days while i provide details of any concerns i have as to why i believe the debt is unenforceable.'

[CleverClogs (RIP)]

Re: Swanfan's UE diary

dealing with the absolute creme de la creme of debt collecting brains there Swanny!!!

Crème de la crème?

Was that meant to suggest they're clotted?