DNW's UE Diary

[swanfan]

Re: DNW's UE Diary

Should I send anything to Allied at this stage or wait and see what they say when they contact us?

Yea, wait for Allied to write to you.

[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
    

Natwest Update
[*]15/08/12 - Rec'd from Natwest: As we've been unable to contact you, your details have been passed to Allied International Credit - any queries should now be passed to them.


Natwest haven't responded to the request made in march for a copy of the OD agreement and haven't fulfilled SAR request either.

Should I send anything to Allied at this stage or wait and see what they say when they contact us?

[DNW]

Re: DNW's UE Diary

Mint

Name                     - Mint
Type of account          - Credit Card
Date commenced           - Dec 2003
Approx balance           - £2,700
Date last paid           - Mar-11    
Arrangement/not paying   - Token Payment
Status                   - In Arrears (DN Rec'd) 
Account owner            - Lender/DCA?

Key:
Them
Me
Other

Activity

1. 13/04/2011 Received letter won't action as unsigned
2. 18/05/2011 Notice of arrears
3. 24/05/2011 Default Notice
4. 20/06/2011 Account closed and will be passed to DCA
5. 06/07/2011 Triton Credit Services now dealing with account
6. 24/07/2011 My letter - request interest freeze and no change in circumstances - sent to Mint & Triton
7. 21/07/2011 Letter from Mint asking me to complete new Financial Statement
8. 01/08/2011 Acknowledge my complaint re interest, unable to action due to lack of signature
9. 17/08/2011 CCA Request sent
10. 03/09/2011 Letter received - they are disappointed that I didn't reply to their previous letter (I assume their request for signature) and that I haven't attempted to increase my payments. They are prepared to assist me but only when they have my full co-operation
11. 13/09/11 CCA received which has been uploaded for Niddys perusal
12. Niddy says
13. 11/10/11 Letter sent to Mint - online account access has been blocked, send me paper statements or I will not continue with token payments
14. 28/10/11 No acknowledgement to my letter, but paper statement received
15. 03/11/11 Letter from Mint - they are suspending interest and charges (temporarily)
    
16. 23/04/12 Letter from Mint - Asking for a payment review
17. 04/05/12 Sent a letter telling them we're currently seeking help from an advisor and will continue with £1 payments in the meantime.
18. 25/05/12 Letter from Mint - Asking for offer of repayment, telephone contact details and reason for financial difficulties.
19. 22/06/12 - Sent copy of Cashflow financial statement and covering letter of pro rata payment offer (payments to remain at token £1 until they've agreed to accept the offer).
    

Update

28/07/12 Letter from Mint - accepting revised payment offer for 12 months and no collection activity or interest applied so long as £8 monthly is paid.


So that's another 12 months grace for the sake of £96 while we save (and string it out) for a F&F

[DNW]

Re: DNW's UE Diary

Thanks guys, I think it was another of those times when I knew what I was going to do, I just wanted to check in case anyone came back with a big fat "keep paying them".... Maybe the 'other side' sits in my semi-conscious thoughts more than I realise

[Susie]

Re: DNW's UE Diary

I'd stop paying and wake them up, they have probably put your letter in the even less urgent than normal pile

[MrsD]

Re: DNW's UE Diary

me too, you've not heard anything cos you're paying or cos they've lost the file................

[swanfan]

Re: DNW's UE Diary

Upto you of course but i'd certainly be considering ceasing payments.

[DNW]

Re: DNW's UE Diary

Bump

Any thoughts re my MBNA post above?

[DNW]

Re: DNW's UE Diary

MBNA

Name                     - MBNA
Type of account          - Credit Card
Date commenced           - Dec 2006
Approx balance           - £8,700
Date last paid           - Mar-11    
Arrangement/not paying   - Token Payment
Status                   - In Arrears 
Account owner            - Lender

Key:
Them
Me
Other

Activity

1. 27/04/11 Missed payment reminder
2. 29/04/11 Card cancelled
3. 11/05/11 Notice of arrears
4. 31/05/11 Payment reminder
5. 16/06/11 Card cancelled
6. 30/06/11 Accepted I&E shortfall, will write again with a repayment plan
7. 13/07/11 Notice of arrears
8. 24/07/11 My letter - request interest freeze and no change in circumstances.
9. 15/07/11 (crossed with my letter) Accept £1, zero interest & charges
10. 17/08/11 CCA Request sent
11. 03/09/11 CCA received and sent to Niddy
12. 03/09/11
13. 06/09/11 Received - DN
    
14. 16/11/11 Received - Account Terminated letter - Various recovery options they may consider: Sale of debt, Placement of debt, Litigation... I will be informed of any further action
    

I was just looking through my creditors list and I've realised I've heard nothing from MBNA since last Nov. Due to it being EN, I've been making token payments of £1 a month all this time though so obviously the SB clock hasn't even started ticking yet.

Should I cease the payments and see what they do?

[DNW]

Re: DNW's UE Diary

Egg 1

Name                     - Egg
Type of account          - Credit Card
Date commenced           - July 2002
Approx balance           - £6,800
Date last paid           - Mar-11    
Arrangement/not paying   - No Payment (awaiting BC ref)
Status                   - In Arrears 
Account owner            - Lender

Key:
Them
Me
Other

Activity

1. 07/04/11 DD Cancelled letter
2. 07/04/11 DD cancelled and payment reminder
3. 12/04/11 Accept £1 token payment and suspend interest and charges for temp period. Default in due course.
4. 26/04/11 DD reminder
5. 20/05/11 Card not to be renewed
6. 09/08/11 Card withdrawn and cancelled
7. 17/08/11 CCA Request sent
8. 27/08/11 CCA received - sent to Niddy via secure section
9. 31/08/11
10. 05/11/11 - Default Notice received. As you're continuing to make token payments, no further action to be taken at this time.
    
11. 01/04/12 - Ceased token payments as since account sold to BC, I have no account reference number to make payment with.
    

UPDATE

23/06/12 - Received from Barclaycard - Account details of where to make new payments to (including new BC reference number)


Seems as though I didn't have to wait long for Barclaycard to send the same letter re the other old Egg account. I'll file this away and await further contact from them.

[DNW]

Re: DNW's UE Diary

Quite happy to sit tight and see what they do - this is 1 of 2 old Egg accounts we've got, so will be interesting to see if they both follow the same path...

[Never-In-Doubt]

Re: DNW's UE Diary

CCA request was sent to (and fulfilled by) Egg last Aug, so not quite 12 months ago, but then Barclaycard took the account over and I've not requested CCA from them yet - I wonder if they may have mislaid the agreement in the transfer?

Should I drag it out a couple more months and then CCA Barclaycard?

Hiya

Nah, sit tight - nothing worth sending off. Forgot it was Barclays who took the debt over, very unlikely they'll hotly pursue..... Keep us updated though

[DNW]

Re: DNW's UE Diary

CCA request was sent to (and fulfilled by) Egg last Aug, so not quite 12 months ago, but then Barclaycard took the account over and I've not requested CCA from them yet - I wonder if they may have mislaid the agreement in the transfer?

Should I drag it out a couple more months and then CCA Barclaycard?

[Never-In-Doubt]

Re: DNW's UE Diary

UPDATE

22/06/12 - Received from BC - Account details of where to make new payments to (including new BC reference number)


Should I resume token payments now that they've sent the right details? Or just play dumb? Or request CCA from BC (Egg CCA was EN)?

play dumb and request a CCA (only if your last request was not within the last 12 months though)

[DNW]

Re: DNW's UE Diary

Egg 2

Name                     - Egg 2
Type of account          - Credit Card
Date commenced           - Jan 07
Approx balance           - £6000
Date last paid           - Mar-11    
Arrangement/not paying   - No Payment (awaiting BC ref)
Status                   - In Arrears 
Account owner            - Lender

Key:
Them
Me
Other

Activity

1. 26/04/2011 Payment overdue
2. 09/05/2011 DD reminder and card stopped
3. 13/06/2011 Contact us to discuss letter
4. 24/06/2011 Contact us to discuss letter
5. 11/07/2011 Contact us to discuss letter
6. 24/07/2011 My letter - request interest freeze and no change in circumstances.
7. 29/07/2011 Letter from Capital Credit Agencies - contact Egg else we'll instruct local agent
8. 17/08/2011 CCA Request sent
9. 30/08/2011 CCA Received and uploaded for Niddy's perusal via secure section
10. 31/08/2011
11. 05/11/11 - Default Notice received. As you're continuing to make token payments, no further action to be taken at this time.
12. 01/04/12 - Ceased token payments as since account sold to BC, I have no account reference number to make payment with.
    

UPDATE

22/06/12 - Received from BC - Account details of where to make new payments to (including new BC reference number)


Should I resume token payments now that they've sent the right details? Or just play dumb? Or request CCA from BC (Egg CCA was EN)?