DNW's UE Diary

[DNW]

Re: DNW's UE Diary

Mystery Solved We've now had a letter from RMA offering us the opportunity of a settlement - the letter included the account ref (it was a Barclays CC) so I can file the delightful little postcard with the appropriate docs (and obviously won't be contacting them to settle)

[garlok]

Re: DNW's UE Diary

Hi DNW,

Yep ignore it, date it and file it with your records. RMA are just another of BC's little circus they try to entertain us with.

regards
Garlok

[DNW]

Re: DNW's UE Diary

Barclaycard2

Name                     - Barclaycard Gold Master
Type of account          - Credit Card
Date commenced           - Feb 2006
Approx balance           - £1900
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. 04/01/12 - Received postcard from RMA saying they would contact on 'Wednesday between 0800 and 2000' (ignored)
19. 11/01/12 - Received letter from RMA offering settlement opportunity

Update:

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!)

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 (not likely)


Should I reply with Respond to a Legal Threat ?

[Deepie]

Re: DNW's UE Diary

Update:

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!)

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 (not likely)


Should I reply with Respond to a Legal Threat ?

I Would send this >Account Sold whilst in Dispute

[Never-In-Doubt]

Re: DNW's UE Diary

Should I reply with Respond to a Legal Threat ?

Actually send what I2D says above - good idea

[Never-In-Doubt]

Re: DNW's UE Diary

I Would send this >Account Sold whilst in Dispute

[DNW]

Re: DNW's UE Diary

Thanks, will get that sent off to them on Monday.

Edit: So which am I sending... threatogram or sold in dispute?!

[Deepie]

Re: DNW's UE Diary

Thanks, will get that sent off to them on Monday.

Edit: So which am I sending... threatogram or sold in dispute?!

sold in dispute

[Never-In-Doubt]

Re: DNW's UE Diary

Edit: So which am I sending... threatogram or sold in dispute?!

Sorry I edited my post - send sold in dispute as I2D suggests

[DNW]

Re: DNW's UE Diary

Thanks In2 - I'll get the Sold in Dispute off to them Monday

Edit: The edit button should be banned

[DNW]

Re: DNW's UE Diary

HSBC

Name                     - HSBC
Type of account          - Credit Card
Date commenced           - Sept 1994
Approx balance           - £7,453
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

Update:

Since they received my letter sent 10/01/12, Metropolitan have been ringing me (unanswered) 3 times a day without fail (usually starts around 08:00 and finishes at 20:00), sometimes they'll leave a recorded message saying "If you'd like to contact us, please call us back on ..." and sometimes they don't.

I think perhaps it's time I should send: Our Templates | Harassment & Intimidation Templates | Harassment by Telephone

[Never-In-Doubt]

Re: DNW's UE Diary

Update:

Since they received my letter sent 10/01/12, Metropolitan have been ringing me (unanswered) 3 times a day without fail (usually starts around 08:00 and finishes at 20:00), sometimes they'll leave a recorded message saying "If you'd like to contact us, please call us back on ..." and sometimes they don't.

I think perhaps it's time I should send: Our Templates | Harassment & Intimidation Templates | Harassment by Telephone

yep send it off - also, see this new service: ---> allaboutDEBT - NEW Site Coming! - Page 13 - allaboutFORUMS

[DNW]

Re: DNW's UE Diary

yep send it off - also, see this new service: ---> allaboutDEBT - NEW Site Coming! - Page 13 - allaboutFORUMS

Thanks, I've already registered, some great services in the pipeline

[DNW]

Re: DNW's UE Diary

Natwest Overdraft

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)
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.

I'm hoping to get a DMP up and running soon for all enforceable debts before any untoward action is taken - is it worth me sending Natwest a letter telling them we're receiving advice from a Financial Advisor and will be in touch with them again soon? Or should we just wait and see what their next action is?

[mk_chatham]

Re: DNW's UE Diary

Hi DNW

You could send Ask your Creditor to Hold Action / Charges - that would give you another 28 days to see what needs to be included in the DMP.

MK