DNW's UE Diary

[Pixie]

Re: DNW's UE Diary

Thanks Enforcer. I haven't had any dealings with MKDP or Keynes Collections personally.

[Enforcer]

Re: DNW's UE Diary

MKDP have already advised me that my "alleged" agreement with Barclaycard is UE, yet still referred it to Keynes! Yes they will take you round in circles.

[DNW]

Re: DNW's UE Diary

Thanks for the quick reply Pixie I'll get that sent off to them on Monday.

[Pixie]

Re: DNW's UE Diary

Keynes Collections can be buggers so I'd treat this as a Letter Before Action (even though you've had the same letter before) and send http://www.all-about-debt.co.uk/inde...ction-response

[DNW]

Re: DNW's UE Diary

Barclaycard2

Name                     - Barclaycard Gold Master
Type of account          - Credit Card
Date commenced           - Feb 2006
Approx balance           - £2000
Date last paid           - Mar-11    
Arrangement/not paying   - Not paying
Status                   - In Arrears (DN Rec'd) 
Account owner            - DCA (Mercers)

Key:
Them
Me
Other


Activity

1. 15/04/11 Acknowledge and refuse payment, refuse to stop interest
2. 13/05/11 <snip>
   
3. 28/10/11 Niddy says
4. 07/12/11 <snip>
5. 16/05/13 - Received from Keynes Collections -Notice of Intended Legal Action - if no payment is made within 14 days, further action may be taken without further notice.
6. 18/05/13 - Sent to Keynes - Account Sold whilst in Dispute - allaboutDEBT UK
7. 24/05/13 - Received from MKDP - Final response, we have supplied a true copy CCA as per Carey v HSBC, there is no obligation to provide a signed copy, it's enough to know a copy was signed at time of inception. Feel free to complain to FOS if you don't like this.
8. 29/05/13 - Sent to MKDP & cc's to Keynes a one liner informing them I would be taking up with FOS (as per post allaboutFORUMS - View Single Post - DNW's UE Diary
9. 12/06/13 - Received from MKDP - Confirm final response has been issued and they're no longer able to enter into any correspondence. I have the right to refer to FOS if I wish.
10. 14/05/14 - Received from MKRR - Please contact us to discuss payment options, we're here to help you.
11. 21/05/14 - Sent to MKRR - http://www.all-about-debt.co.uk/inde...in-cca-dispute (SWID)
12. 31/05/14 - Received from MKRR - We haven't received your offer of payment, please contact us. (filed)
13. 04/06/14 - Received from MKDP - Thanks for contacting us, we will review your query. (filed)
14. 05/06/14 - Received from MKDP - We have fulfilled our obligations under S78, so now send us some money. (filed)
15. 25/06/14 - Received from MKRR - Final notice - we are instructing our pre-legal department and may commence litigation.
16. 03/07/14 - Sent to MKRR - http://www.all-about-debt.co.uk/inde...cept-ue-status
17. 10/07/14 - Received from MKRR - We are referring your account to Keynes Collections (filed)

Barclaycard Update:

16/07/14 - Received from Keynes Collections - Notice of Intended Legal Action. Pay us within 14 days or we may take further action without warning.


Hi all, me again, feels like I'm going round in circles with this one... Is there a letter I can send that basically says sod off, I'm not paying and stop sending me round in circles?!

[DNW]

Re: DNW's UE Diary

Thanks Deepie, I shall get that sent off today

[Deepie]

Re: DNW's UE Diary

Update

25/06/14 - Received from MKRR - Final notice - we are instructing our pre-legal department and may commence litigation.


Hi all, I've filed the last few letters from MKDP/MKRR - should I send them the 'Refusal to accept UE status' letter or 'litigation forthcoming' in response to their most recent 'threat'?

A cheeky little bump.. could anyone help re my post directly above please?

• I'd send this now if it were me -------> CCA Query - Refusal to Accept UE Status

[DNW]

Re: DNW's UE Diary

A cheeky little bump.. could anyone help re my post directly above please?

[DNW]

Re: DNW's UE Diary

Barclaycard2

Name                     - Barclaycard Gold Master
Type of account          - Credit Card
Date commenced           - Feb 2006
Approx balance           - £2000
Date last paid           - Mar-11    
Arrangement/not paying   - Not paying
Status                   - In Arrears (DN Rec'd) 
Account owner            - DCA (Mercers)

Key:
Them
Me
Other


Activity

1. 15/04/20 Acknowledge and refuse payment, refuse to stop interest
2. 13/05/11 Credit limit reduced
3. 15/05/11 Late payment letter received
4. 24/06/11 Late payment letter received
5. 07/07/11 Mercers - Default notice
6. 17/07/11 Mercers - instructing local collector
7. 24/07/11 My letter - no doorstep visits, no phone calls
8. 26/07/11 Letter from Power2Contact acting OBO Mercers
9. 01/08/11 Doorstep visit from P2C - unanswered
10. 17/08/11 CCA Request sent
11. 05/09/11 Acknowledge CCA request
12. 12/10/11 Recon CCA received - awaiting Niddys return
    
13. 13/10/11 Barclaycard T&C rec'd
14. 15/10/11 Letter from Mercers (dated 03/10) - 48 hour notice before passing to local rep (ignored)
15. 15/10/11 Letter from Calders (dated 10/10) - 7 day notice before passing to local rep
    
16. 19/10/11'Don't Visit' me template to Calders in reply Templates - Harassment
17. 28/10/11 Niddy says
18. 07/12/11 Letter from Barclaycard - Formal demand for payment
19. 19/12/11 - Received letter from Barclaycard - your account has now been passed to RMA to manage (ignored)
20. 23/12/11 - Received from RMA - We are now dealing with your account (ignored)
21. 04/01/12 - Received postcard from RMA saying they would contact on 'Wednesday between 0800 and 2000' (ignored)
22. 11/01/12 - Received letter from RMA offering settlement opportunity(ignored)
23. 20/01/12 - Received letter from RMA - "We cannot help you if you don't call us and won't speak to us... We can't hold the settlement offer open any longer... Please call us before 9pm tonight" (letter took 10 days to arrive anyway!)
24. 21/01/12 - Received letter from RMA - "Matter still unresolved... Unless suitable repayment terms agreed, we may proceed to complete a pre-litigation report." They ask us to call or email them
25. 23/01/12 - Sent in response: Our Templates | Unenforceability Templates | Account Sold whilst in Dispute
26. 31/01/12 - Received letter from RMA - Notice of potential doorstep recovery.. we intend to forward your account to Scotcall Ltd (ignored as it was dated 24/01/12 and crossed with my letter of 31/01/12)
27. 31/03/12 - Received letter from Barclaycard - We've now passed your account to Apex to manage. (Filed awaiting further contact)
28. 04/04/12 - Received from Apex - ....unable to contact you and this is potentially your last opportunity to arrange payment before further action considered.
29. 04/04/12 - Sent to Apex - Our Templates | Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status
30. 22/09/12 - Received from Barclaycard - Notice of Assignment to MKDP LLP (Filed awaiting contact from MKDP)
31. 16/10/12 - Received from MK Rapid Recoveries - We've bought your debt, please send us a payment.
32. 19/10/12 - Sent to MKRR - Our Templates | Unenforceability Templates | Account Sold whilst in Dispute
33. 24/10/12 - Received from MKRR - Final Notice... we are instructing pre-litigation dept and they may commence proceedings against you.(Filed as I think it had crossed with my letter of 19/10/12)
34. 14/12/12 - Received from MKRR - They're liasing with my original creditor to fulfil my request for documents (Filed - awaiting further contact)
35. 01/03/13 - Received from MKDP - They're still unable to fulfil my CCA request and will re-contact as soon as they receive requested documents from OC. (Filed)
36. 05/04/13 - Received from MKDP - They're still in contact with Barclaycard for the CCA and will be in touch shortly. (Filed)
37. 05/04/13 - Received from MKDP - some statements of account. they're still looking for CCA and will be in touch. (Filed)
38. 24/04/13 - Received from MKDP - Recon CCA received. Emailed to Niddy and await his response.
39. 24/04/13 - Sent to MKDP - CCA Query - Missing Prescribed Terms - allaboutDEBT UK
40. 16/05/13 - Received from Keynes Collections -Notice of Intended Legal Action - if no payment is made within 14 days, further action may be taken without further notice.
41. 18/05/13 - Sent to Keynes - Account Sold whilst in Dispute - allaboutDEBT UK
42. 24/05/13 - Received from MKDP - Final response, we have supplied a true copy CCA as per Carey v HSBC, there is no obligation to provide a signed copy, it's enough to know a copy was signed at time of inception. Feel free to complain to FOS if you don't like this.
43. 29/05/13 - Sent to MKDP & cc's to Keynes a one liner informing them I would be taking up with FOS (as per post allaboutFORUMS - View Single Post - DNW's UE Diary
44. 12/06/13 - Received from MKDP - Confirm final response has been issued and they're no longer able to enter into any correspondence. I have the right to refer to FOS if I wish.
45. 14/05/14 - Received from MKRR - Please contact us to discuss payment options, we're here to help you.
46. 21/05/14 - Sent to MKRR - http://www.all-about-debt.co.uk/inde...in-cca-dispute (SWID)
47. 31/05/14 - Received from MKRR - We haven't received your offer of payment, please contact us. (filed)
48. 04/06/14 - Received from MKDP - Thanks for contacting us, we will review your query. (filed)
49. 05/06/14 - Received from MKDP - We have fulfilled our obligations under S78, so now send us some money. (filed)

Update

25/06/14 - Received from MKRR - Final notice - we are instructing our pre-legal department and may commence litigation.


Hi all, I've filed the last few letters from MKDP/MKRR - should I send them the 'Refusal to accept UE status' letter or 'litigation forthcoming' in response to their most recent 'threat'?

[Enforcer]

Re: DNW's UE Diary

They just keep on, don't know when they have been beaten! Just tell them that this is unenforceable and you will not communicate any more. Then wait.

[DNW]

Re: DNW's UE Diary

Thanks MrsD, I shall get that off to them tomorrow

[MrsD]

Re: DNW's UE Diary

might just send a SWID, know they aren't different but I would just play the game

[DNW]

Re: DNW's UE Diary

Barclaycard2

Name                     - Barclaycard Gold Master
Type of account          - Credit Card
Date commenced           - Feb 2006
Approx balance           - £2000
Date last paid           - Mar-11    
Arrangement/not paying   - Not paying
Status                   - In Arrears (DN Rec'd) 
Account owner            - DCA (Mercers)

Key:
Them
Me
Other


Activity

1. 15/04/20 Acknowledge and refuse payment, refuse to stop interest
2. 13/05/11 Credit limit reduced
3. 15/05/11 Late payment letter received
4. 24/06/11 Late payment letter received
5. 07/07/11 Mercers - Default notice
6. 17/07/11 Mercers - instructing local collector
7. 24/07/11 My letter - no doorstep visits, no phone calls
8. 26/07/11 Letter from Power2Contact acting OBO Mercers
9. 01/08/11 Doorstep visit from P2C - unanswered
10. 17/08/11 CCA Request sent
11. 05/09/11 Acknowledge CCA request
12. 12/10/11 Recon CCA received - awaiting Niddys return
    
13. 13/10/11 Barclaycard T&C rec'd
14. 15/10/11 Letter from Mercers (dated 03/10) - 48 hour notice before passing to local rep (ignored)
15. 15/10/11 Letter from Calders (dated 10/10) - 7 day notice before passing to local rep
    
16. 19/10/11'Don't Visit' me template to Calders in reply Templates - Harassment
17. 28/10/11 Niddy says
18. 07/12/11 Letter from Barclaycard - Formal demand for payment
19. 19/12/11 - Received letter from Barclaycard - your account has now been passed to RMA to manage (ignored)
20. 23/12/11 - Received from RMA - We are now dealing with your account (ignored)
21. 04/01/12 - Received postcard from RMA saying they would contact on 'Wednesday between 0800 and 2000' (ignored)
22. 11/01/12 - Received letter from RMA offering settlement opportunity(ignored)
23. 20/01/12 - Received letter from RMA - "We cannot help you if you don't call us and won't speak to us... We can't hold the settlement offer open any longer... Please call us before 9pm tonight" (letter took 10 days to arrive anyway!)
24. 21/01/12 - Received letter from RMA - "Matter still unresolved... Unless suitable repayment terms agreed, we may proceed to complete a pre-litigation report." They ask us to call or email them
25. 23/01/12 - Sent in response: Our Templates | Unenforceability Templates | Account Sold whilst in Dispute
26. 31/01/12 - Received letter from RMA - Notice of potential doorstep recovery.. we intend to forward your account to Scotcall Ltd (ignored as it was dated 24/01/12 and crossed with my letter of 31/01/12)
27. 31/03/12 - Received letter from Barclaycard - We've now passed your account to Apex to manage. (Filed awaiting further contact)
28. 04/04/12 - Received from Apex - ....unable to contact you and this is potentially your last opportunity to arrange payment before further action considered.
29. 04/04/12 - Sent to Apex - Our Templates | Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status
30. 22/09/12 - Received from Barclaycard - Notice of Assignment to MKDP LLP (Filed awaiting contact from MKDP)
31. 16/10/12 - Received from MK Rapid Recoveries - We've bought your debt, please send us a payment.
32. 19/10/12 - Sent to MKRR - Our Templates | Unenforceability Templates | Account Sold whilst in Dispute
33. 24/10/12 - Received from MKRR - Final Notice... we are instructing pre-litigation dept and they may commence proceedings against you.(Filed as I think it had crossed with my letter of 19/10/12)
34. 14/12/12 - Received from MKRR - They're liasing with my original creditor to fulfil my request for documents (Filed - awaiting further contact)
35. 01/03/13 - Received from MKDP - They're still unable to fulfil my CCA request and will re-contact as soon as they receive requested documents from OC. (Filed)
36. 05/04/13 - Received from MKDP - They're still in contact with Barclaycard for the CCA and will be in touch shortly. (Filed)
37. 05/04/13 - Received from MKDP - some statements of account. they're still looking for CCA and will be in touch. (Filed)
38. 24/04/13 - Received from MKDP - Recon CCA received. Emailed to Niddy and await his response.
39. 24/04/13 - Sent to MKDP - CCA Query - Missing Prescribed Terms - allaboutDEBT UK
40. 16/05/13 - Received from Keynes Collections -Notice of Intended Legal Action - if no payment is made within 14 days, further action may be taken without further notice.
41. 18/05/13 - Sent to Keynes - Account Sold whilst in Dispute - allaboutDEBT UK
42. 24/05/13 - Received from MKDP - Final response, we have supplied a true copy CCA as per Carey v HSBC, there is no obligation to provide a signed copy, it's enough to know a copy was signed at time of inception. Feel free to complain to FOS if you don't like this.
43. 29/05/13 - Sent to MKDP & cc's to Keynes a one liner informing them I would be taking up with FOS (as per post allaboutFORUMS - View Single Post - DNW's UE Diary
44. 12/06/13 - Received from MKDP - Confirm final response has been issued and they're no longer able to enter into any correspondence. I have the right to refer to FOS if I wish.

UPDATE

14/05/14 - Received from MKRR - Please contact us to discuss payment options, we're here to help you.

I know I should probably just file this, but it's been a year since they heard from me so should I reply? Or just file and see what they send next?

[DNW]

Re: DNW's UE Diary

You're such a hard-taskmaster MrsD! I frighten far too easily

I'll get a CCA request off to them tomorrow and see what happens.

[MrsD]

Re: DNW's UE Diary

that's got to be your last gasp, you aren't there yet, still in there swinging, so swing off a CCA and let's see where it goes from there