MustGetStraigh's UE Diary

[Never-In-Doubt]

Re: MustGetStraight's UE Diary

Thanks all, shall do this. They are a right pesty lot!

Eventually they'll all disappear into the British Triangle, worry not

[MustGetStraigh]

Re: MustGetStraight's UE Diary

Eventually they'll all disappear into the British Triangle, worry not

Ooh I do hope so!

[MustGetStraigh]

Re: MustGetStraight's UE Diary

Afternoon!

MBNA... been getting correspondence from MDB - see above - and the DCA who bought the debt, Hillesdens has resumed writing...

Just had a letter from Hillesdens saying they took my number off their records few months back, but if I don't keep up regular dialogue with them they say under ICO guidelines say they can reinstate my telephone to continue collection activity....!

I'm not sure whether they are right about this but in any case I'll ignore it. I am going to invest in a Truecall anyway so they can call asmuch as they like, I won't be answering

[Deepie]

Re: MustGetStraight's UE Diary

Afternoon!

MBNA... been getting correspondence from MDB - see above - and the DCA who bought the debt, Hillesdens has resumed writing...

Just had a letter from Hillesdens saying they took my number off their records few months back, but if I don't keep up regular dialogue with them they say under ICO guidelines say they can reinstate my telephone to continue collection activity....!

I'm not sure whether they are right about this but in any case I'll ignore it. I am going to invest in a Truecall anyway so they can call asmuch as they like, I won't be answering

Have you seen this MGS... cheeper than Truecall http://forums.all-about-debt.co.uk/s...35&postcount=1

[MustGetStraigh]

Re: MustGetStraight's UE Diary

Have you seen this MGS... cheeper than Truecall http://forums.all-about-debt.co.uk/s...35&postcount=1

I've just seen this, after I'd posted about Truecall. How fabulous!

[MustGetStraigh]

Re: MustGetStraight's UE Diary

Morning all,
It's been a bit quiet (famous last words) on the DCA front recently... letter yesterday from CrappyOne advising me the DCA no longer acting, so it's back with them. They helpfully give me details for where to make payment etc... I shall ignore and see who they appoint next..

[MrsD]

Re: MustGetStraight's UE Diary

got one of those too MGS, ignoring to see what happens

[PlanB]

Re: MustGetStraight's UE Diary

I got one of those yesterday too. Perhaps they're planning a Mid-Season sale to get shot of the lot of us trouble makers

[MustGetStraigh]

Re: MustGetStraight's UE Diary

got one of those too MGS, ignoring to see what happens

I got one of those yesterday too. Perhaps they're planning a Mid-Season sale to get shot of the lot of us trouble makers

Ah well at least I'm not alone

[Pixie]

Re: MustGetStraight's UE Diary

I got one of those a couple of weeks ago. Then got another one last week going on (and on, and on) about how they've satisfied my s78 query. Ignoring both and waiting to see what happens next.

Perhaps they've realised that we've got Niddy on our side and it isn't worth paying a dca to chase the debt.

[MustGetStraigh]

Re: MustGetStraight's UE Diary

I got one of those a couple of weeks ago. Then got another one last week going on (and on, and on) about how they've satisfied my s78 query. Ignoring both and waiting to see what happens next.

Perhaps they've realised that we've got Niddy on our side and it isn't worth paying a dca to chase the debt.

Oooh I do hope so!

[MustGetStraigh]

Re: MustGetStraight's UE Diary

NatPest
Taken out 2001
Defaulted late 09.
CCA request sent 1 June 2010.
They replied sending T&Cs, with inaccuracies. Niddy thinks it's UE.
They were particularly bad about stopping charges and interest, and from the time I went onto token monthly payments, to the time they finally stopped and defaulted us, it increased the debt by £3k. So I've run out of sympathy for them.
Responded with "Terms and Conditions sent" letter 6 July.
They responded denying that they hadn't complied.
I replied 27 July with a Niddy special,
We've been to-ing and fro-ing and have reached stalemate.
They say they're right. I say I'm right. We don't agree! :UE (but not according to NatWest!!)
October letter from Green & Co Solicitors offering me one last chance to pay up.
Responded with Account Sold
Letter from Green & Co advising they are closing their file and handing back to client.
Letter from NatWest about my complaint to Triton about telephone calls - unable to uphold it (however, Triton did stop ringing me!)
November letter from RMA advising NatWest have instructed them.
Rseponded with Account Sold letter
December another letter from RMA still pursuing me, shortly followed by one four days later from NCO (RMA's parent company) advising that account has been placed on hold and no further communication will be made until "satisfaction is reached". . Either their letters crossed or the right hand doesn't know what the left is doing.
Now another letter dated 24/12 (rec'd 8/1) from RMA threatening all sorts.
Jan 2011.. another letter from RMA, this time offering a reduced settlement.
Jan, I sent RMA and NCO Account Sold/Harassment letter enclosing copy of the letter from NCO saying they wouldn't be contacting me by phone/in writing.
which crossed with yet another from RMA, giving 30 days to pay...
RMA persistent little blighters phoning several times a day.
NCO wrote back, final response as client has satisfied CCA request (no they haven't) but are removing my phone number from system. Thank goodness!
June - Letter from Moorcroft threatening litigation so
sent Account Sold letter.
Received letter talking about "possible litigation" which I think has crossed with my Account Sold.
June 2011 (one year on). Letter from Moorcroft mentioning possible litigation and offering to accept payments of £120 a month
Letter from Moorcroft saying account now on hold while they investigate. Obviously they have now read my Account Sold.
Letter next day from Moorcroft saying I need to send £1 and CCA request to NatWest, meanwhile they put account on hold for 2 weeks. Words fail me....
Well they obviously didn't put it on hold for 2 weeks. A few days later, ANOTHER letter from Moorcroft in one of their lovely bright yellow envelopes... "Important Information - Possible Litigation" To prevent the above I need to call them immediately... well guess what I'm not going to.
Letter from Moorcroft saying account is on hold while they investigate.
August 2011 letter fro Moorcroft, "Important Information - Possible Litigation". Tehn goes on to list all the possible charges I could incur if it went to court. I haven't yet sent them Threat of Litigation letter so presume I should send that.
Sept 2011: Monthly Instalment offer from Moorcroft... would I like to pay instalments (let me think...).
Sept 2011: Letter from Midas Credit Services headed "Litigation Warning". They say they are reviewing my account prior to possibly recommending legal action by external solicitors. It's the first time I've heard from Midas and I think they're just trying to scare me.
Sent Threat of Litigation in response.
Oct 11 Letter from Moorcroft headed "Possible Legal Action" and it's full of ifs and maybes so I think it's just fishing. They also offer a "substantial discount" if I can't pay. I presume I just ignore?

Thought it might make sense to post the history of this. Just had another Possible Litigation letter from Moorcroft. They have sent this before, and they have had Threat of Litigation so presumably just ignore.

[Pixie]

Re: MustGetStraight's UE Diary

I'd send the Enough is Enough letter.

[MustGetStraigh]

Re: MustGetStraight's UE Diary

Evening All

It's been quiet for a bit but there's a bit of correspondence re NatWest and MBNA...

MBNA: I've got two letters (I missed the first one) from Ruthbridge Limited. Blah de blah usual stuff. This lot do like to put the frighteners on, the second letter mentions that they could propose their client looks at bankruptcy as a means of settling!
I've sent Account Sold and will see what they come back with. The debt was sold on by MBNA who of course had one of those short app forms so they haven't got a leg to stand on.

NatWest: Moorcroft on the scrounge again, offering me a monthly repayment plan. I think I shall ignore.

[Never-In-Doubt]

Re: MustGetStraight's UE Diary

Keep us updated - well done to date