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  • #46
    Re: DNW's UE Diary

    Egg 1

    Code:
    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
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    6. 09/08/11 Card withdrawn and cancelled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.
    12. 23/06/12 - Received from BC - Account details of where to make new payments to(filed - await further contact)
    13. 05/02/14 - Received from Barclaycard - formal demand for payment and sorry we've been reporting inaccurate info to the CRA's.
    14. 01/07/17 - Received from Barclaycard - we're transferring your account to Hoist Portfolio who have chosen Robinsonway to act for them. (Filed).
    15. 14/08/17 - Received from Barclaycard - NOA to Hoist Portfolio. Robinson Way have been appointed to collect. (Filed)
    16. 17/08/17 - Received from Hoist - NOA, Robinson Way have been appointed to collect. (Filed)
    17. 17/08/17 - Received from Robinson - Please contact us to agree payment plan else we could refer your account to our solicitors to issue claim.
    18. 31/08/17 - Received from RW - We want to help you pay off your debt, please contact us. (Filed).
    19. 15/09/17 - Received from RW - 25% off your balance if you contact us. (Filed).
    20. 04/10/17 - Received from RW - Pre-Legal Assessment. If you do not contact us by 06/10/17 we will be forced to assess your account for litigation.
    21. 06/10/17 - Sent CCA request
    22. 14/10/17 - Received from RW - Account on hold while we deal with CCA Request
    23. 25/11/17 - Received from RW - Not yet heard back from OC - Account on hold while we wait.
    24. 11/01/18 - Received from RW - Not yet heard back from OC - Account on hold while we wait.
    25. 07/02/18 - Received from RW - here's your CCA, unable to provide varied T&C. You have 30 days to complete financial statement (response due by 03/03/18
    26. 11/02/18 - Niddy suggested waiting it out and sending missing PTs template when they hassle.
    27. 21/02/18 - Received from RW - We'd like to agree an affordable payment plan with you, get in touch and we'll help you to find the right solution. (No mention of the financial statement they'd asked to be completed by 03/03).
    28. 19/03/18 - Received from RW - We'd like to agree an affordable payment plan with you, get in touch and we'll help you to find the right solution. (No mention of the financial statement they'd asked to be completed by 03/03).
    29. 29/03/18 - Received from RW by email - It's important that you contact us so that we can help you manage your debt.
    30. 03/04/18 - Received from RW by email - They're prepared to accept payments that fit my budget, and I won't even have to speak to them on the phone to arrange this.
    31. 09/04/18 - Received from RW by email - They've tried to contact me but had no response. I should visit their website to take that first step to financial freedom.
    32. 12/06/18 - Received from RW by email - Your account remains unpaid but we want to help you find a solution.
    33. 20/06/18 - Received from RW by email - We need you to take action on your account
    34. 27/06/18 - Received from RW - it's important for you to get in touch and agree a payment plan (filed)
    35. 22/07/18 - Received from RW by email - It's important that you contact us
    36. 05/08/18 - Received from RW by email - Doing nothing leaves you at risk of further collections activity.
    37. 05/08/18 - Received from RW - We'd like to offer a 37% discount for you to settle your account
    38. 12/08/18 - Received from RW by email - Visit our website to set up a payment plan
    39. 22/08/18 - Received from RW - pay just 75% of your balance if you pay within 30 days
    40. 19/09/18 - Received from Hoist Finance - Hoist Portfolio Holding has assigned all rights to Hoist Finance UK Holdings. Robinson Way will continue to service your account.
    41. 16/01/19 - Received from RW by email - Visit our website to set up a payment plan
    42. 24/01/19 - Received from RW by email - We need you to take action on your account
    43. 25/01/19 - Received from RW by email - We need you to take action on your account
    44. 12/03/19 - Received from RW by email - We need you to take action on your account
    45. 19/03/19 - Received from RW by email - We need you to take action on your account
    46. 2019-now - Still receiving emails but filing without reading
    47. 13/09/19 - Received from RW - don't ignore us
    48. 02/12/20 - Received from RW: take 83% discount and pay only £1200
    49. 01/03/21 - Received from Hoist Finance UK - you may be eligible for a discount
    50. 27/03/21 - Received from Hoist Finance UK - you are eligible for a discount
    51. 23/06/21 - Received from Hoist Finance UK - you are eligible for a discount
    52. 30/07/21 - Received from Hoist Finance UK - you are eligible for a discount
    Last edited by DNW; 7 August 2021, 12:56.

    Comment

    • #47
      Re: DNW's UE Diary

      Egg 2

      Code:
      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
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.
      13. 22/06/12 - Received from BC - Account details of where to make new payments to. (Filed - await further contact)
      14. 05/02/14 - Received from Barclaycard - formal demand for payment and sorry we've been reporting inaccurate info to the CRA's.
      15. 01/07/17 - Received from Barclaycard - we're transferring your account to Hoist Portfolio who have chosen Robinsonway to act for them. (Filed).
      16. 14/08/17 - Received from Barclaycard - NOA to Hoist Portfolio. Robinson Way have been appointed to collect. (Filed)
      17. 17/08/17 - Received from Hoist - NOA, Robinson Way have been appointed to collect. (Filed)
      18. 17/08/17 - Received from Robinson - Please contact us to agree payment plan else we could refer your account to our solicitors to issue claim. (Filed)
      19. 31/08/17 - Received from RW - We want to help you pay off your debt, please contact us. (Filed).
      20. 15/09/17 - Received from RW - 25% off your balance if you contact us. (Filed).
      21. 04/10/17 - Received from RW - Pre-Legal Assessment. If you do not contact us by 06/10/17 we will be forced to assess your account for litigation.
      22. 06/10/17 - Sent CCA request
      23. 14/10/17 - Received from RW - Account on hold while we deal with CCA Request
      24. 25/11/17 - Received from RW - Not yet heard back from OC - Account on hold while we wait.
      25. 11/01/18 - Received from RW - Not yet heard back from OC - Account on hold while we wait.
      26. 27/01/18 - Received from RW - here's your CCA, unable to provide varied T&C. You have 30 days to complete financial statement (response expected by 23/02/18)
      27. 31/01/18 - Niddy says unenforceable, wait til the 30 days have passed, let them chase the financial statement and then send missing PTs template
      28. 21/02/18 - Received from RW - We'd like to agree an affordable payment plan with you, get in touch and we'll help you to find the right solution. (No mention of the financial statement they'd asked to be completed by 23/02).
      29. 27/06/18 - Received from RW - it's important for you to get in touch and agree a payment plan (filed)
      30. 28/07/18 - Received from RW - We won't ask you to pay more than you can afford
      31. 05/08/18 - Received from RW - We'd like to offer a 27% discount for you to settle your account
      32. 22/08/18 - Received from RW - pay just 75% of your balance if you pay within 30 days
      33. 19/09/18 - Received from Hoist Finance - Hoist Portfolio Holding has assigned all rights to Hoist Finance UK Holdings. Robinson Way will continue to service your account.
      34. 31/01/19 - Received from RW - Agree a repayment plan today
      35. 04/03/19 - Received from RW - Pay just 60% of your balance
      36. 13/09/19 - Received from RW - don't ignore us
      37. 11/10/19 - Received from RW - upto 25% discount available
      38. 25/01/20 - Received from RW - please contact us
      39. 02/12/20 - Received from RW: Discount of 85% available
      40. 19/01/21 - Received from Hoist - Welcome to Hoist, let's agree a repayment plan
      41. 01/02/21 - Received from Hoist Finance UK - Let's work together, you haven't replied to our previous correspondence
      42. 22/02/21 - Received from Hoist Finance UK - You may be eligible for a discount
      43. 19/06/21 - Received from Hoist Finance UK - You may be eligible for a discount
      Last edited by DNW; 5 July 2021, 17:54.

      Comment

      • #48
        Re: DNW's UE Diary

        Hitachi Capital
        Code:
        Name                     - Hitachi Capital
Type of account          - Loan
Date commenced           - May 10
Approx balance           - £800
Date last paid           - Mar-11    
Arrangement/not paying   - Not paying
Status                   - In Arrears (DN Rec'd)
Account owner            - Cabot
        Key:
        Them
        Me
        Other

        Activity
        1. 13/04/11 DD cancelled letter
        2. 14/04/11 Refuse £1 and will default than pass to Recovery
        3. 09/06/11 Arrears Notice
        4. 12/07/11 Default notice and now passed to Recovery
        5. 12/07/11 Discount offer rec'd - 30% of £800 (£247) within 14 days
        6. 24/07/11 My letter - counter offer £150
        7. 27/07/11 Letter rec'd - £150 refused
        8. 01/08/11 Payments cancelled
        9. 17/08/11 CCA Request sent
        10. 27/08/11 Letter from Hitachi refusing request for as my letter was unsigned. My letter returned to me for signature.
        11. 14/09/11 Returned my original letter to them and sent CCA Request - Demand of Signature by Creditor
        12. 19/09/11 Letter rec'd from Hitachi still refusing my CCA request until I sign my letter
        13. 11/10/11 Letter sent - Unenforceability Templates - Section 3
        14. 22/10/11 Letter rec'd - They will still not send CCA without a signed request and will enter into no further correspondance until signature is received
        15. 07/11/11 Letter sent - I will report you to ICO for breaching my CCA request, you do NOT need my signature Demand for Sig - Niddy's letter
        16. 08/12/11 Letter rec'd - Arrears Notice includes statement showing cashing of PO against my CCA request, however CCA still not yet received (ignored)
        17. 08/02/12 Letter rec'd - Cabot - "Welcome to Cabot... we have bought this account.. blah blah.. if we don't hear from you within 14 days we'll pass to a collection agency"
        18. 09/02/12 Sent Account Sold whilst in Dispute in response
        19. 22/02/12 Letter rec'd - Cabot - "...Cabot purchased your debt and were unaware of any disputes with the OC... We have contacted Hitachi to obtain clarification and retrieve relevant documentation. Lack of this documentation does not affect the legality of the debt but merely renders it unenforceable until the agreement is produced. Cabot is not considering legal action at this time therefore your comments are not applicable in this instance. We recommend that you contact us to make payments. We endeavour to respond within 12 days. "(ignored)
        20. 24/05/13 Received from Cabot - copy of CCA. (Sent to Niddy by email 20/06/13)
        21. 23/06/13 - Niddy says (unsurprisingly)
        22. 01/07/13 - Blagging it for now with CCA Query - Missing Prescribed Terms - allaboutDEBT UK
        23. 25/07/13 - Received from Cabot - they would like to assure me that a true copy was supplied, and ask which terms I believe were missing
        24. 19/08/13 - Received from Cabot - They will move to next stage collections if they don't hear from me.
        25. 29/08/13 - Sent Final Response - http://www.all-about-debt.co.uk/inde...e-cca-received
        26. 19/10/13 - Received from Cabot - You have not told us which terms you believe are missing... it is evident that you are delaying repayment even though you previously made payment which is evidence that you acknowledge responsibility for the account.
        27. 30/12/13 - Received from Cabot - Please contact us to discuss payment
        28. 07/01/14 - Received from Cabot - Please contact us to discuss payment, we are very flexible
        29. 08/03/14 - Considered sending low final settlement offer, but didn't follow it up
        30. 12/03/14 - Received from Cabot - You must contact us
        31. 07/04/14 - Received from Cabot - Statement & Notice of Arrears
        32. 28/04/14 - Received from Cabot - You've been ignoring us so we're referring your account to Marlin Financial Services
        33. 03/05/14 - Received from Marlin - We are in the process of advising our client to take litigation action. It is our intention to instruct a solicitor to issue court proceedings to seek a CCJ.
        34. 06/05/14 - Sent to Marlin - CCA request
        35. 10/05/14 - Received from Marlin - We'll request a copy of your agreement and get back to you
        36. 03/03/15 - Received from Marlin/Cabot - We've changed our name and note you're yet to agree a repayment plan. (Filed).
        37. 09/07/15 - Received from Cabot - Here's a copy of your agreement now please agree a payment plan. (Filed).
        38. 23/01/16 - Received from Cabot - We'd like to help you arrange a payment plan, please contact us. (Filed).
        39. 04/02/16 - Received from Cabot - Statement of account showing no transactions March 14 - Feb 15. (Filed).
        40. 04/02/16 - Received from Cabot - We've still not heard from you, please contact us to agree a repayment plan. (Filed).
        41. 19/02/16 - Received from Cabot - Potential legal action, typical approach is to issue a clain and we might decide to do that.
        42. 24/02/16 - Sent to Cabot - LBA
        43. 05/03/16 - Received from Cabot - Here's you agreement and statement from July 15. The NOA will be sent separately. We're contacting the OC for for the default and termination notice and will suspend activity while we await this information. (Filed, no action necessary).
        44. 30/06/16 - Received from Cabot - Here's a copy of your Default Notice. Please contact us to arrange payment. (Filed)
        45. 20/08/16 - Received from Cabot - Statement of account (Filed)
        46. 08/03/17 - Received from Cabot - Statement of account (Filed)
        47. 23/08/18 - Received from Cabot - Welcome to Cabot, we've recently confirmed your address and want the payment process to be as easy as possible. Please contact us to agree a payment plan.(Filed)
        48. 07/09/18 - Received from Cabot - Pay £80 to close your account(Filed)
        49. 05/07/21 - Received from Cabot - We're passing your account to Ruthbridge Ltd(Filed)
        50. 05/07/21 - Received from Ruthbridge Ltd - We've been instructed by Cabot, please contact us to agree a payment plan(Filed)
        51. 12/07/21 - Received from Ruthbridge Ltd - We'd like to give you a discount, please contact us(Filed)
        Last edited by DNW; 22 July 2021, 16:26. Reason: Update.

        Comment

        • #49
          Re: DNW's UE Diary

          ** SETTLED **



          Honda Finance

          Code:
          Name                     - Honda Finance
Type of account          - Loan
Date commenced           - July 09
Approx balance           - £3,500
Date last paid           - Mar-11    
Arrangement/not paying   - Token Payment
Status                   - In Arrears (DN Rec'd) 
Account owner            - Lender
          Key:
          Them
          Me
          Other

          Activity
          1. 11/04/11 Unable to suspend further account action
          2. 12/04/11 DD cancelled letter received
          3. 15/06/11 Default notice
          4. 17/06/11 Notice of arrears
          5. 07/07/11 Agreement terminated
          6. 17/08/11 CCA Request sent
          7. 27/08/11 CCA received and sent to Niddy via secure section
          8. 31/08/11
          9. 11/10/11 Letter received from Wragge & Co saying that proceedings are to be issued for a monetary judgement if the balance isn't paid by 16:00 on 24/10/11.
          10. 11/10/11 Low (10%) F&F offer sent
          11. 19/10/11 Wragge & Co - refuse offer as it's too low in comparison to the debt... they have been instructed to continue legal action, which we will soon be in receipt of.
          12. 22/10/11 Letter sent - court action in my best interest unless F&F negotiated
          13. 01/11/11 Letter no. 3 received from Wragge in reply to mine of 22/10/11 - "If you wish to make a settlement we would be grateful if you could provide us with this in writing so we can take our clients further instructions.....As previously advised we have now been instructed to continue with legal action, of which you will soon be in receipt".
          14. 14/12/11 Matter settled via legal representation
          Last edited by DNW; 9 November 2012, 11:26. Reason: marked as settled

          Comment

          • #50
            Re: DNW's UE Diary

            ** SETTLED **


            HSBC

            Code:
            Name                     - HSBC
Type of account          - Credit Card
Date commenced           - Sept 1994
Approx balance           - £7,500
Date last paid           - Mar-11    
Arrangement/not paying   - Not paying
Status                   - In Arrears (DN Rec'd)
Account owner            - Lender
            Key:
            Them
            Me
            Other

            Activity
            1. 05/04/11 DD Cancelled letter
            2. 13/04/11 Confirm receipt of I&E but will not act as unsigned
            3. 24/06/11 Letter warning soon to be defaulted
            4. 09/07/11 Letter warning soon to be defaulted
            5. 24/07/11 My letter - request interest freeze
            6. 26/07/11 Default notice
            7. 17/08/11 CCA Request sent
            8. 03/09/11 Final demand for payment received (ignored)
            9. 12/09/11 Letter received - we might send bailiffs or get CCJ (ignored)
            10. 23/09/11 Letter received - would you like to make a F&F settlement? (ignored)
            11. 27/09/11 Letter received - we would offer a 35% discount for F&F if you'd like to take us up on the offer? (ignored)
            12. 05/11/11 Letter received from Metropolitan Collection Services - failure to make full payment within 7 days may result in legal proceedings
            13. 07/11/11 Letter sent - Account Sold whilst In Dispute
            14. 18/11/11 Received from Metropolitan - copy of CCA (uploaded to secure section 14/12)
            15. 14/12/11 Niddy says
            16. 17/12/11 Received - Metropolitan - Please contact us... failure to contact will result in further action (ignored)
            17. 04/01/12 Received - Metropolitan - Intend to issue legal proceedings.
            18. 10/01/12 Sent - Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation
            19. 21/01/12 Regular 3 telephone calls (unanswered) per day now being received.
            20. 23/01/12 Sending in response to the calls: Our Templates | Harassment & Intimidation Templates | Harassment by Telephone
            21. 27/01/12 Received - Metropolitan - (dated 20/01/12) "CCA we sent you was correct and compliant and we don't agree with your dispute. We enclose a further copy.
              ... they mention McGuffick v RBS [2009] and Carey v HSBC...
              If you continue to contest the credit agreement, you will be aware the burden lies with the borrower to demonstrate to the court that the bank has failed under its obligations. Any proceedings against the bank will be defended vigorously. Accordingly we see no merit in your continued insistence that the documents provided are in breach of the CCA or any of the underlying regulations.               (Ignored)
            22. 27/01/12 Received - Metropolitan - (dated 24/01/12) - Final Demand.. you have failed to make payment and we therfore have no alternative but to take further action against you... This may involve: DCA calling on me; legal proceedings which may result in - CCJ, Bailiffs, Attatchment of Earnings. If legal action is taken, costs of £343 is to be added to my balance.
              If I wish to avoid this, I must pay within 24 hours...              (ignored)
            23. 08/02/12 Received (dated 03/02/12) - Metropolitan - Apologise re number of phone calls, it's not our fault - the auto dialler kept ringing back as there was no reply... If this doesn't resolve matters then it can be referred to Financial Ombudsman service. (Ignored)
            24. 22/02/12 Received (dated 17/02/12) - Metropolitan - We are referring your account to DG Solicitors who will contact you within the next 7 days. They have been selected to help understand your present circumstances and, where possible, agree affordable payments.(Ignored)
            25. 23/02/12 Received (dated 19/02/12) - DG Solicitors - ... We may be instructed to take legal action.. to avoid this I must pay amount outstanding within 14 days.. we may be able to arrange more time if you contact us immediately...
            26. 27/02/12 Sent in response to DG letter: Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received)
            27. 15/03/12 Received - DG Solicitors - .. Can confirm all documents in accordance with section 78 were sent to you twice, we have complied with the regulations... There is no requirement under section 78 that the original or a photocopy of the original signed agreement be provided.... For the purpose of S61, both signature page and original T&C are to be read as one document - this therefore complies with S60 and S61. The bank has no duty to provide a copy of the agreement which would've met criteria at the time it was signed. S63 copy of original terms is sufficient to meet the bank's obligations.... We can't find the application form and have supplied a recon... Bank's position remains the same - this is valid and legally enforceable - we see no merit in your continues insistence that we've breached CCA regulations.(filed - awaiting their next move)
            28. 01/11/12 - Settled via legal representative after court claim was received
            Last edited by DNW; 9 November 2012, 11:26. Reason: marked as settled

            Comment

            • #51
              Re: DNW's UE Diary

              Marbles

              Code:
              Name                     - Marbles
Type of account          - Credit Card
Date commenced           - Aug 2003
Approx balance           - £9,750
Date last paid           - Mar-11    
Arrangement/not paying   - Not paying
Status                   - Account Closed
Account owner            - Assigned to 1st Credit
              Key:
              Them
              Me
              Other

              Activity
              1. 08/04/11 DD cancelled letter
              2. 20/04/11 Frozen interest and charges provided £1 payment sent
              3. 28/05/11 Notice of arrears
              4. 09/07/11 Default notice
              5. 24/07/11 My letter - no change in circumstances.
              6. 28/07/11 In arrears notice
              7. 17/08/11 CCA Request sent
              8. 30/08/11 Received a copy of current executed agreement and signed statement. Copy of original signed application form has been requested and will be sent under separate cover.
              9. 09/09/11 Letter received - "At present we are unable to provide a copy of the original agreement..." blah blah more waffle - full copy uploaded for Niddy's perusal
              10. 09/09/11 Niddy says
              11. 19/09/11 Letter received - please contact us (filed)
              12. 03/10/11 Letter received - please contact us, settlement figure may be available (filed)
              13. 18/10/11 Letter received - asking for card to be returned and informing DN has been issued (filed)
              14. 03/11/11 Letter received - You can't have a new card [] (filed)
              15. 10/11/11 Letter received - from 1st Credit, final reminder, writing OBO client Marbles. May send doorstep agent, may issue court proceedings (filed)
              16. 08/12/11 Letter received - LCS Solicitors - Full payment to be made within 14 days else they will recommend their client issues legal proceedings.
              17. 17/12/11 Letter sent to both LCS Solicitors and 1st Credit - Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation
              18. 23/12/11 Letter received - 1st Credit - 25% off account, just for you(!) (filed)
              19. 23/12/11 Letter received - 1st Credit - Thanks for your letter - it's been passed to the apt dept and they will respond in due course (filed)
              20. 09/01/12 Letter received - 1st Credit - They have reverted to their client re their failure to fulfil my CCA request... Account placed on hold while they await a response from client.
              21. 13/01/12 Letter received - Marbles - Sorry you had to complain, we have previously provided a recon however at the moment we are unable to trace the original agreement or application form. While we locate this we will not enforce.... we note you do not dispute that the debt exists but argue that the agreement is UE on statutory grounds - we maintain there is no breach of the banking code. (filed)
              22. 27/01/12 Letter received - Marbles - WEF 1st March, your Marbles credit card agreement will be between you and Progressive Credit Limited. You did not need to take any action as a result of this. (filed)
              23. 16/04/12 Received - Marbles - Notice of Assignment to 1st Credit (filed)
              24. 16/04/12 Letter received - 1st Credit - We are now legal owners of this account - please contact us to agree repayment options
              25. 18/04/12 Sent - Our Templates | Unenforceability Templates | Account Sold whilst in Dispute
              26. 28/04/12 Received - 1st Credit - Thanks for your letter, we'll respond in due course.
              27. 28/04/12 Received - 1st Credit - We're unaware of any dispute (lack of valid CCA doesn't constitute a dispute, although we argree it's UE at this time). Can you advise us of the dispute? When we have provided you with the correct documentation, we will be in contact to discuss payments. (filed)
              Last edited by DNW; 28 April 2012, 15:08. Reason: update

              Comment

              • #52
                Re: DNW's UE Diary

                MBNA

                Code:
                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 - Sent - request interest freeze and no change in circumstances.
                9. 15/07/11 - Received (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
                15. 10/07/12 - Token payments cancelled to see what action they take
                16. 20/12/12 - Received from MBNA - We've sold your account to Arrow Global
                17. 20/12/12 - Received from Arrow (in same envelope as MBNA letter) - Notice of Assignment, your account is being managed by Wescot - please contact them to arrange payment. (Filed - await Wescot contact)
                18. 30/01/13 - Received from Wescot - To avoid further action you must a) Pay the debt in full or b) contact us
                19. 31/01/13 - Sent - Our Templates | Unenforceability Templates | Account Sold whilst in Dispute)
                20. 13/02/13 - Received from Wescot - Acknowledge I've raised a query and will investigate. (Filed)
                21. 20/05/13 - Received from Wescot - We've returned the account to our client and no further action will be taken by us. (Filed)
                Last edited by DNW; 24 May 2013, 12:01. Reason: updated

                Comment

                • #53
                  Re: DNW's UE Diary

                  Mint

                  Code:
                  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).
                  20. 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.
                  21. 24/06/13 - Received from Mint - Letter asking me to contact them to review payments as previous arrangement has been in place for 12 months. (filed)
                  22. 31/10/14 - Received from Mint - Letter asking me to contact them to review payments as previous arrangement has been in place for 12 months. (filed)
                  23. 25/05/15 - Received from Mint - Letter asking me to contact them to review payments as previous arrangement has been in place for 12 months. (filed)
                  24. 04/01/16 - Received from Mint - Letter asking me to contact them to review payments as previous arrangement has been in place for 12 months. (filed)
                  25. 13/07/16 - Received from Wescot - We're now dealing with this account, no action required currently. (filed)
                  26. 08/09/16 - Received from Wescot - We've not received a payment (filed - statement confirming payment also received from Mint)
                  27. 08/10/16 - Received from Wescot - We've not received a payment (filed - statement confirming payment also received from Mint)
                  28. 12/01/17 - Received from Wescot - Thanks for your payments, we'd be able to offer a discount if you want to settle. (Filed).
                  29. 08/02/17 - Received from Wescot - We've not received a payment (filed - statement confirming payment also received from Mint)
                  30. 08/06/17 - Received from Wescot - We've not received a payment (filed - statement confirming payment also received from Mint)
                  31. 08/07/17 - Received from Wescot - We've not received a payment (filed - statement confirming payment also received from Mint)
                  32. 07/08/17 - Received from Wescot - Thanks for your payments, we'd be able to offer a discount if you want to settle. (Filed).
                  33. 29/08/17 - Received from Mint - NOA to Cabot. Wescot are to manage the account and you should move your agreed payments from Mint to them. You can carry on paying Mint but it will take longer to show on your records. (filed).
                  34. 08/05/18 - Received from Cabot - 6 month statement
                  35. 15/06/18 - Received from Wescot - it's time to review your account and we can offer a settlement (filed)
                  36. 24/12/18 - Received from Wescot - it's time to review your account and we can offer a settlement (filed)
                  37. 12/01/19 - Received from Cabot- 6 month statement
                  38. 04/04/19 - Received from Wescot - reduced settlement available
                  39. 05/06/19 - Received from Wescot - reduced settlement available - ring us for a chat
                  40. 16/08/19 - Received from Cabot- 6 month statement
                  41. 22/08/19 - Received from Wescot - reduced settlement available - ring us for a chat
                  42. 25/10/19 - Received from Wescot - reduced settlement available - ring us for a chat
                  43. 25/01/20 - Received from Wescot - reduced settlement available
                  44. 04/08/20 - Received from Cabot - statement
                  45. 24/10/20 - Received from Wescot - reduced settlement available.
                  Last edited by DNW; 24 October 2020, 11:41. Reason: Update

                  Comment

                  • #54
                    Re: DNW's UE Diary

                    Natwest Overdraft

                    Code:
                    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)
                    45. 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.
                    46. 18/03/13 - Sent to Regal - Part 1 of allaboutFORUMS - View Single Post - Overdrafts - CCA Information plus a note about no doorstep visits.
                    47. 27/03/13 - 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. Partial settlement may be available.
                    48. 05/04/13 - Sent to Regal - I refer you to my letter of 18/03/13 and await your reply to that.
                    49. 25/04/13 - Rec'd from Scotcall - We've been authorised to recover this debt. If you don't pay within 7 days we will instruct field collectors to visit.
                    50. 25/04/13 - Sent to Scotcall - Part 1 of allaboutFORUMS - View Single Post - Overdrafts - CCA Information plus a note about no doorstep visits.
                    51. 26/04/13 - Rec'd from Scotcall - Please send your CCA request to RBS and don't forget to enclose £1.
                    52. 15/05/13 - Sent to RBS and CC'd to Scotcall - Part 1 of allaboutFORUMS - View Single Post - Overdrafts - CCA Information
                    53. 24/04/13 - Rec'd from Scotcall - Thanks for your letter, please send your request to RBS. (Filed as my letter to Scotcall was a CC of the RBS request).
                    54. 24/04/13 - Rec'd from Scotcall - We're sorry you don't want to speak to us, but we'd like to agree a payment plan with you. (Filed awaiting to hear from RBS).
                    Last edited by DNW; 24 May 2013, 11:54. Reason: Update

                    Comment

                    • #55
                      Re: DNW's UE Diary

                      Santander

                      Code:
                      Name                     - Santander
Type of account          - Credit Card
Date commenced           - Jan 2007
Approx balance           - £1,510
Date last paid           - Mar-11    
Arrangement/not paying   - Not paying
Status                   - In Arrears (DN Rec'd) 
Account owner            - Lender
                      Key:
                      Them
                      Me
                      Other

                      Activity
                      1. 18/04/11 Rec'd I&E, no supporting docs received so refuse to accept.
                      2. 19/04/11 Missed payment notice
                      3. 03/05/11 Missed payment notice
                      4. 10/05/11 Letter - do not use card due to arrears
                      5. 13/05/11 Arrears notice
                      6. 16/05/11 Account overdue letter
                      7. 30/05/11 Account overdue letter
                      8. 18/06/11 Account in arrears - do not ignore letter
                      9. 18/06/11 Letter - pls phone us urgently
                      10. 28/06/11 Default Notice to be issued in due course
                      11. 12/07/11 Notice of arrears
                      12. 14/07/11 Debt passed to Viking Collections - all correspondance to go to Viking in future
                      13. 24/07/11 My letter - request interest freeze and no change in circumstances - sent to Santander & Viking
                      14. 28/07/11 Viking - request payment in full to avoid further action
                      15. 28/07/11 Standard default notice received
                      16. 28/07/11 Accept £1/month for 6 months
                      17. 29/07/11 Confirming default notice served
                      18. 03/08/11 Santander acknowledge complaint re interest, and refunded charges from June and July
                      19. 17/08/11 CCA Request sent
                      20. 19/10/11 CCA received
                      21. 28/10/11 Niddy says
                      22. 07/11/11 Letter received - no token payment received, will add interest & charges if payment not made
                      23. 07/11/11 Resumed token payments (£1 per month)
                      24. 28/05/12 - Received statement
                      25. 28/11/12 - Received statement
                      26. 30/05/13 - Received statement
                      27. 27/11/13 - Received statement
                      28. 13/11/14 - Received statement
                      29. 13/11/14 - Received Notice of Assignment from Santander Cards Ltd to Santander UK plc
                      30. 29/05/14 - Received statement
                      31. 04/06/15 - Received statement
                      32. 30/11/15 - Received statement
                      33. 01/06/16 - Received statement
                      34. 01/12/16 - Received statement
                      35. 30/05/17 - Received statement
                      36. 26/05/18 - Received statement
                      37. 01/12/18 - Received statement
                      38. 13/12/18 - Received from Santander - Wescot will be managing your account, they will monitor payments
                      39. 31/05/19 - Received statement
                      40. 03/12/19 - Received statement
                      41. 12/11/20 - Received from Santander - we made a mistake with fees and interest, your balance has been reduced.
                      42. 02/12/20 - Received statement
                      43. 01/06/21 - Received statement
                      Last edited by DNW; 4 June 2021, 08:53. Reason: Update.

                      Comment

                      • #56
                        Re: DNW's UE Diary

                        Phew, that took a while!

                        And that's about all there is to do at the moment, I'll be posting off CCAs tomorrow and see what comes back.

                        Comment

                        • #57
                          Re: DNW's UE Diary

                          Hiya

                          Well done on a very smart diary - I like it..... thing is being you'll refer so much to this, it makes sense to have it all tidy and easily legible so well done

                          Ok, so you need to now stop all payments and send off the CCA's then update each post as and when, emailing me the CCA as and when it comes.

                          See what happens yea...? Best of luck!
                          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                          If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                          Comment

                          • #58
                            Re: DNW's UE Diary

                            What a cracking diary - best so far me thinks.
                            Well done - it will make it much easier for you and others to keep track of / up to date with.

                            Matty

                            Comment

                            • #59
                              Re: DNW's UE Diary

                              Wow. First Prize for the best diary display ever goes to DNW!

                              Comment

                              • #60
                                Re: DNW's UE Diary

                                Thanks guys I followed other examples, and just tweaked it a bit until I was happy with it

                                I figured I'll be seeing a lot of it over the next few years so I wanted something I (and others) could follow easily, specially as I'm looking at the UE route fairly early on in this 'journey' (I HATE that phrase but can't think what else to call it!!), it might help others to feel more comfortable with this route in seeing what kind of correspondence levels you get from the start.

                                Comment

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