DNW's UE Diary

[DNW]

Re: DNW's UE Diary

Marbles

Name                     - Marbles
Type of account          - Credit Card
Date commenced           - Aug 2003
Approx balance           - £9,600
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. 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. UPDATE 09/09/11 - Letter received:
   
   • "At present we are unable to provide a copy of the original agreement... signed agreement was made with HFC Bank and can confirm their procedure has always been to obtain signature to an agreement containing prescribed terms before entering into a credit card agreement, As such, we are confident that the agreement remains enforceable.
   • blah blah more waffle - full copy uploaded for Niddy's perusal
   
   

Update as above, Letter uploaded to secure section.

[Never-In-Doubt]

Re: DNW's UE Diary

Marbles - Update as above, Letter uploaded to secure section.

This is 100%

Well done

They admit they cannot locate the agreement so this means to bring it back into play they need to provide a recon and terms, not likely cos what would they base it on? Anyway, ignore for now.... if anyone hassles you about this just come and speak to us - keep that letter extremely safe though, it's your lifeline with this account

Well done, see - a good end to a bad week

[DNW]

Re: DNW's UE Diary

Awesome, thank you!

I hoped that was what it meant, but didn't wanna get my hopes up until you'd confirmed.

Great start to the weekend

Oh and their letter has been filed very safely away - along with photographic evidence of it just in case

[Oct Revolution]

Re: DNW's UE Diary

Well Done !

DNW - that was a very quick turnaround from requesting your CCA to them actually stating they can't find one.

[Deepie]

Re: DNW's UE Diary

Awesome, thank you!

I hoped that was what it meant, but didn't wanna get my hopes up until you'd confirmed.

Great start to the weekend

Oh and their letter has been filed very safely away - along with photographic evidence of it just in case

Did you fingerprint it ?

[swanfan]

Re: DNW's UE Diary

Well done DNW.

Great result.

[DNW]

Re: DNW's UE Diary

Did you fingerprint it ?

Yup

And sent some of the licky part of the envelope away for DNA testing

[Never-In-Doubt]

Re: DNW's UE Diary

And sent some of the licky part of the envelope away for DNA testing

You have too much time on your hands you do

[DNW]

Re: DNW's UE Diary

I'm just avoiding having to do my filing

[MrsD]

Re: DNW's UE Diary

good result from the muppets!!!

[DNW]

Re: DNW's UE Diary

2 updates today -

Barclaycard1

Name - Barclaycard Plat Visa
Type of account - Credit Card
Date commenced - Sept 2004
Approx balance - £3,161
Date last paid - Mar-11
Arrangement/not paying - Not paying
Status - In Arrears (DN rec'd 03/09)
Account owner - DCA (Mercers)

Key:
Them
Me
Other


Activity

1. 18/04/2011 Acknowledge receipt of I&E, refuse to reduce or stop charges
2. 27/04/2011 Request for payment
3. 13/05/2011 Reduced credit limit
4. 01/06/2011 Reminder of overdue payment and informed it will be passed to Mercers to send default notice.
5. 30/06/2011 Mercers - accept £1 payments, to be reviewed in 2 months. No interest or charges to be applied while making token payments.
6. 24/07/2011 I wrote and requested refund interest & charges (sent to Barclays & Mercers)
7. 17/08/2011 CCA request sent
8. 03/09/11 DN Received from Mercers
9. 05/09/11 Acknowledged CCA request - they're looking for it and will get back to me
   
10. UPDATE 13/09/11 Letter rec'd from Mercers - 48 hours notice (letter dated 06/09/11), I have ignored their demands for payment so they are now passing my account to a local firm who may send a rep to visit me. Also received a phonecall (unanswered) from Mercers today.
    

Update above (no. 10) - These haven't had a don't bother visiting me letter yet so I guess I should I send one?



************************************************** **************************

Mint

Name                     - Mint
Type of account          - Credit Card
Date commenced           - Dec 2003
Approx balance           - £2,700
Date last paid           - Mar-11    
Arrangement/not paying   - Not paying
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. UPDATE 13/09/11 Despite saying they couldn't deal with my account as my correspondence was unsigned, today I received CCA which has been uploaded for Niddys perusal
    

Waiting to see what Niddy says about the CCA on this one, but just as an aside, should they have sent me anything if they've told me they can't action my request without a signature?

[MrsD]

Re: DNW's UE Diary

I'd send the account sold in dispute to mercers although they are just the other side of the same office at barclays, they think you'll be all scared cos you've been sent to a debt collector.

What eejits they are, just goes to prove that their left and right hands are totally unconnected! Wait and see what Niddy says about the CCA.

[DNW]

Re: DNW's UE Diary

Ok so I've been round and round in circles through the templates from making offers to FAQs, and can't find the one that I need... I know I've seen it linked to many a time, but I can't for the life of me find it! Could one of you kind souls post a link please.

Also, to satisfy my own curiosity, why would I send the sold in dispute letter rather than a don't visit/phone me?

[Deepie]

Re: DNW's UE Diary

Ok so I've been round and round in circles through the templates from making offers to FAQs, and can't find the one that I need... I know I've seen it linked to many a time, but I can't for the life of me find it! Could one of you kind souls post a link please.

Also, to satisfy my own curiosity, why would I send the sold in dispute letter rather than a don't visit/phone me?

Here you are >UPDATED 20.06.2011 - Full & Final Offer Templates
I would send > Harassment & Threat of Doorstep-Visit To Mercers,

[DNW]

Re: DNW's UE Diary

Thanks I2D, sorry, I meant I couldn't find the account sold whilst in dispute, but had looked all through from the F&F section right through to the FAQ

So it's the account sold whilst in dispute one I'm looking for, the one Dopey said to send.