DNW's UE Diary

[DNW]

Re: DNW's UE Diary

The part 1 - CCA request one? I should've known that if I'd read my own post properly That's exactly what I sent to Wescot when it was first passed over to them.

Thanks

[Never-In-Doubt]

Re: DNW's UE Diary

Natwest Overdraft UPDATE

14/03/13 - Rec'd from Regal Credit - Please contact us to discuss, as we have not been notified of reason for non-payment we will instruct field collectors to visit.

Seeing as this is an OD, I'm not quite sure what to send them, I'll need to include a section on "don't come and colllect my door-step", but other than that I'm a bit unsure?

Overdraft CCA? --> Overdrafts - CCA Information - allaboutFORUMS

[DNW]

Re: DNW's UE Diary

Natwest Overdraft

Name                     - Natwest
Type of account          - Overdraft
Date commenced           - Oct 2000
Approx balance           - £2,200
Date last paid           - Mar-11    
Arrangement/not paying   - Not paying
Status                   - In Arrears 
Account owner            - Lender

Key:
Them
Me
Other

Activity

1. 31/05/11 - Letter refusing to accept I&E form
2. 04/07/11 - Letter reminding over OD limit and chages now £6 per day
3. 12/07/11 - Letter asking for contact to discuss
4. 12/07/11 - Phone call - Natwest won't default until balance reaches -£2250. I&E completed verbally
5. 04/07/11 - Overlimit OD - £6 per day charges
6. 02/08/11 - Letter asking for I&E
7. 04/08/11 - Unarranged OD fee warning
8. 05/08/11 - Breakdown of OD fees
9. - 30/08/11 Ceased token payment (to hurry along the default)
   
10. 12/09/11 - Letter from Natwest - please contact us (ignored)
11. 29/09/11 - Letter from Natwest - please contact us (ignored)
12. 11/10/11 - Letter from Power 2 Contact - please contact us (ignored)
13. 19/10/11 - Doorstep visit from Power 2 Contact (answered and contact card left for OH)
14. 19/10/11 - Letter sent to Natwest - No visits and please consider stopping/refunding charges
15. 04/11/11 - Letter from Natwest - they're sorry I had to complain, they're looking into it
16. 14/11/11 - Letter from Natwest - they're still investigating complaint
    
17. 16/12/11 - Letter from Natwest - Notice of intention to file a default, and DN received
18. 19/12/11 - Letter from Natwest - Notice of default sums (they charged £30 to issue a DN!)
19. 05/01/12 - Letter from Natwest - It's not to late to contact us to sort this out
20. 18/01/12 - Letter from Natwest - Terminating overdraft agreement and demand the account is paid in full. However they also offer the option to agree a mutually acceptable repayment plan.
21. 31/01/12 - Sent to Natwest - letter requesting refund of charges and resumed token payments
    
22. 10/02/12 - Letter from Westcot - They are now dealing with this account and would like to know when we're going to pay it.
23. 15/02/12 - Letter from Natwest - "Thanks for your letter of 31/01/12, Westcot are now dealing with your account and we have passed your letter to them and they will contact you shortly.... When charges and interest were applied to the account they were rightfully due within the T&C."
24. 21/02/12 - Sent Our Templates | Unenforceability Templates | Subject Access (SAR) - Typical Request
25. 07/03/12 - Letter from Westcot - Acknowledge we have raised a query on the account and will suspend all collection activity while the matter is being investigated. (filed)
26. 08/03/12 - Token Payments ceased (as had resumed in error pending CCA type request)
27. 09/03/12 - Letter from Natwest - Acknowledge receipt of SAR but can't proceed without signed authority
28. 13/03/12 - Sent Our Templates | Unenforceability Templates | Creditor Refusal of SAR
    
29. 21/03/12 - Letter from Natwest - Thanks for your recent letter, unfortunately you haven't signed it and we therefore can't action its contents without being to verify your identity. Please sign and return the enclosed pro-forma.
    
30. 23/03/12 - Letter from Westcot - They are to refund the one interest charge added since 14th Jan (date of formal demand), however the default charge will remain in place.... We believe this resolves the dispute and look forward to your payment.
31. 30/03/12 - Sent to Natwest: Our Templates | Unenforceability Templates | Signature Request by Creditor/DCA
32. 30/03/12 - Sent to Westcot: Part 1: allaboutFORUMS - View Single Post - Overdrafts - CCA Information
33. 12/04/12 - Received from Natwest - "As you don't want to sign the request, we can send the requested details to a nominated branch for you to collect - evidence of your identity will be required upon collection".
34. 24/04/12 - Sent to Natwest - letter informing them of the branch we wished to collect SAR from
35. 15/08/12 - Rec'd from Natwest - As we've been unable to contact you, your details have been passed to Allied International Credit - and queries should now be passed to them.
36. 15/10/12 - Rec'd from Allied International Credit - PLease contact us to discuss payment options
37. 19/10/12 - Sent to Allied (Part 2 of) Overdrafts - CCA Information - allaboutFORUMS
38. 27/10/12 - Rec'd from Allied International Credit - Please send us £1 for a copy agreement or £10 for copy statements
39. 08/11/12 - Sent letter of complaint re ignoring SAR to CEO (see post for wording allaboutFORUMS - View Single Post - DNW's UE Diary)
40. 17/11/12 - Rec'd from RBS Group Exec Office - Acknowledge my letter as above and will investigate as a matter of urgency.(Filed)
41. 26/11/12 - Rec'd from Natwest - letter full of apologies for not yet responding to SAR, they are still in the process of compiling and once exhausted will send it all through. They've also returned the (now out of date) postal order and are waiving the fee
42. 29/12/12 - Collected SAR documents from branch
43. 13/02/13 - Rec'd from Natwest - Collection agent unable to contact you, details now being passed to Regal Credit Services. (Filed)
44. 27/02/13 - Rec'd from Regal Credit - We have been passed your details by Natwest and will be in touch to discuss payments. (Filed)

Natwest Overdraft UPDATE

14/03/13 - Rec'd from Regal Credit - Please contact us to discuss, as we have not been notified of reason for non-payment we will instruct field collectors to visit.

Seeing as this is an OD, I'm not quite sure what to send them, I'll need to include a section on "don't come and colllect my door-step", but other than that I'm a bit unsure?

[what2donext]

Re: DNW's UE Diary

I have news from MKDP....



"As a gesture of goodwill, we are closing the account... once you return the aforementioned documents [in the pre-paid SAE no less!], the account will be closed and MKDP will no longer pursue you regarding this account."





As the account's to be closed and the account balance shows on the letter as nil, am I safe to think that Barclaycard won't pass it over to another DCA?

Fantastic result DNW

[SaltnVinegar]

Re: DNW's UE Diary

I love it when DCA's make huge f*ck ups

I bet someone got their butt kicked from one end of the office to the other when they got that letter!!

[Never-In-Doubt]

Re: DNW's UE Diary

Good idea, but I think I'll drop them a quick letter asking them to confirm rather than ringing them, I know it delays it by a few days but that won't make any difference to anything as I'm not under any deadlines with this one and I wouldn't want to get drawn in to saying the wrong thing on the phone.

Ok, literally just say...

Thanks for your letter dated xx. I am happy to return the documents in question to you however could you please clarify the following, prior to my doing so;

1. Are you actually closing the account as a debt write-off, or
2. Are you simply closing it your end to recourse back to Barclays

Please clarify the above and I will then come back to you, with either another letter (if option 1) or the documents (if option 2). However I do feel it is in everyones interest if you just close the account as a write-off, then we can all forget this huge error ever took place.

Thanks for your time, look forward to hearing from you soon.

Sign digitally

[DNW]

Re: DNW's UE Diary

Good idea, but I think I'll drop them a quick letter asking them to confirm rather than ringing them, I know it delays it by a few days but that won't make any difference to anything as I'm not under any deadlines with this one and I wouldn't want to get drawn in to saying the wrong thing on the phone.

[Never-In-Doubt]

Re: DNW's UE Diary

Copy the documents - so you have a back-up, then send back the originals of what they sent you.

The ICO/OFT would be looking to fine them quite a lot so your debt write-off was a much cheaper option, I am just glad they seen sense and took the deal (well bribe lol)

I am unsure if that means they will sell it on, however before sending the documents back why not call and ask - speak to the person that sent the letter and ask "is the actual debt written off or have you simply recourse the debt back to Barclays"... if they are sending it back then do not return anything, come back to me.

If they agree to full write-off, ie account closure then get that in writing. Cover yourself....

[DNW]

Re: DNW's UE Diary

Haha - nice one.

I do like it when my 'Brazen' letters get the respect they are due

Keep their letter safe, well done for having the 'balls' to send my letter -

Niddy I can't thank you enough for your input and specially for the ridiculously brazen letter that I would never in a million years have been able to write myself.

So all I need now is for my remaining 12 or so creditors to fuck up and I'll be laughing

[IF]

Re: DNW's UE Diary

Brilliant DNW

[Never-In-Doubt]

Re: DNW's UE Diary

I have news from MKDP....



"As a gesture of goodwill, we are closing the account... once you return the aforementioned documents [in the pre-paid SAE no less!], the account will be closed and MKDP will no longer pursue you regarding this account."





As the account's to be closed and the account balance shows on the letter as nil, am I safe to think that Barclaycard won't pass it over to another DCA?

Haha - nice one.

I do like it when my 'Brazen' letters get the respect they are due

Keep their letter safe, well done for having the 'balls' to send my letter -

[DNW]

Re: DNW's UE Diary

I have news from MKDP....



"As a gesture of goodwill, we are closing the account... once you return the aforementioned documents [in the pre-paid SAE no less!], the account will be closed and MKDP will no longer pursue you regarding this account."





As the account's to be closed and the account balance shows on the letter as nil, am I safe to think that Barclaycard won't pass it over to another DCA?

[DNW]

Re: DNW's UE Diary

No letter from MKDP today... I'm almost disappointed

[The Tech Clerk]

Re: DNW's UE Diary

Sending this has certainly made them sit up and take notice - I only sent it on Tues and had a phone call from them today.

Very annoying actually as the call came through as a private number so I answered it thinking it was work, but it was MKDP - I was very non committal when she asked to speak to me by name and obviously I refused to complete security checks but said I was happy to deal with them in writing, so will be watching out for the postie in the morning....

I didn't think DCAs were allowed to call from 'private numbers' - or is that only cold call telesales etc?

Vanquis us local area number then followed by a 4 xxxxxxxone of the many numbers they use even a number beginning with 9 xxxxxxx

[Undercover Elsa]

Re: DNW's UE Diary

Oh, I like this! Awaiting their response with great interest