DNW's UE Diary

[DNW]

Re: DNW's UE Diary

Natwest

Name                     - Natwest
Type of account          - Overdraft
Date commenced           - Oct 2000
Approx balance           - £2,181
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)
    

Hi folks

Is there anything I should be doing with this account? As it's an overdraft rather than CC/loan, I don't really know what I'm doing with it other than waiting for them to add a default to the account

I realise I should've sent a 'do not visit me' letter last week but I was a little behind with my filing Are P2C likely to just keep coming back until I write and tell them not to? What can I expect the next stage to be?

[DNW]

Re: DNW's UE Diary

Thanks Garlok, I noticed the identical Mercers/Calders address!

[garlok]

Re: DNW's UE Diary

Hi DNW,

In a word yes send it. However I should just like to point to you that Mercers and Calders are in fact Barclaycard themselves. They are the in house collections department of BC, It has not been sold on at all. Mercers are a dormant company and may be acting unlawfully by engaging in any commercial activity and Calders cannot threaten to do anything at all really. They will demand either monies nit yet due or the full outstanding balnce if running true to form which of course they cannot do because there may not be a valid default notice which is normally issued by Mercers and I have not yet seen a fully compliant DN from them. They have to all intents and purposes shot themselves in the foot until such times as they correct all of their own errors. they are in default anyway as they have not responded to s78 request.

Garlok

[DNW]

Re: DNW's UE Diary

Barclaycard 3

Name                     - Barclaycard Goldfish
Type of account          - Credit Card
Date commenced           - May 98 
Approx balance           - £14,738
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 Acknowledgement letter, refuse £1 payment no reduction in interest or charges
2. 04/05/11 Request for payment
3. 13/05/11 Reduced credit limit
4. 08/06/11 Payment reminder & notice of passing to Mercers
5. 27/06/11 Mercers - Default notice
6. 06/07/11 Mercers - Unable to contact and will send doorstep collector
7. 24/07/11 My letter - no doorstep visits, no phone calls
8. 28/07/11 Mercers - local collecter will call
9. 17/08/11 CCA request sent
10. 26/08/11 Letters from Mercers and BCard accepting £1 month and freezing interest (bit late now as token payments have stopped awaiting CCA)
11. 30/08/11 Acknowledge CCA request
12. 15/10/11 Letter from Calder Financial (dated 03/10/11, rec'd 15/10/11) - 7 day notice before further action including sending local rep.
    

Update 15/10/11 - Am I right in thinking I should send the 'Dont' Visit' me template to Calders?
Templates - Harassment

[DNW]

Re: DNW's UE Diary

Thanks In2


I bet Niddy dreads coming back!!