DNW's UE Diary

[DNW]

Re: DNW's UE Diary

Thanks In2, waiting for their next move is fine by me

[DNW]

Re: DNW's UE Diary

Barclaycard1

Name                     - Barclaycard Plat Visa
Type of account          - Credit Card
Date commenced           - Sept 2004
Approx balance           - £3,200
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. 18/04/11 Acknowledge receipt of I&E, refuse to reduce or stop charges
2. 27/04/11 Request for payment
3. 13/05/11 Reduced credit limit
4. 01/06/11 Reminder of overdue payment and informed it will be passed to Mercers to send default notice.
5. 30/06/11 Mercers - accept £1 payments, to be reviewed in 2 months. No interest or charges to be applied while making token payments.
6. 24/07/11 I wrote and requested refund interest & charges (sent to Barclays & Mercers)
7. 17/08/11 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. 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 (ignored)
11. 29/09/11 Covering letter for Recon CCA enclosed - but no encs in envelope
12. 29/09/11 Letter received - Calders - 7 day notice (ignored)
    
13. 17/10/11 Current T&C received
14. 19/10/11 Letter sent to Calders - Harassment & Threat of Doorstep-Visit
15. 04/11/11 Letter received - Formal Demand for Payment (full balance) - until paid, no statements will be sent. If not paid by 08/11/11, debt collectors may call or you may be taken to court. We will set off any funds available to us.
    
16. 09/11/11 - Sent Final Response - Unenforceability (No CCA Received)
17. 15/11/11 - Received from Barclays - They feel they have fulfilled their obligations and complied with my s.78 request..... Re section 61, they point to paragraph 230 Carey vs HSBC, and say "It's insufficient.. to point to the absence of a signed, or a proper s78 copy as a foundation for a plea of an improperly executed agreement... They believe my credit agreement to be fully compliant and will oppose allegations that it isn't..... With regards to the OFT, they do not hold my account to be in dispute..... Attached was a copy of my CCA
18. 28/11/11 Niddy says
    
19. 06/12/11 - Received a letter from Barclaycard notifying me this has now been assigned to MKDP LLP (ignored - waiting to hear from MKDP)
    
    
20. 09/03/12 - Received from MK Rapid Recoveries - "Further to our recent communication (no comms received prior to this from MK RR) we have not received your offer of payment... We want to help and are able to offer installments to clear the balance... We will continue to contact you to resolve this."
    
21. 12/03/12 - Sent to MKRR Our Templates | Unenforceability Templates | Account Sold whilst in Dispute
    
22. 19/03/12 - Received from MK Rapid Recoveries - Thanks for writing, at this time we are unable to resolve your query and we'll liaise with OC and re contact you in due course.(filed)
    
23. 22/03/12 - Received from MK Rapid Recoveries - As you've not taken up our offer of help, as a legal requirement we must inform you we're instructing our pre-litigation team to review your account.... They may commence litigation... It's not too late to resolve this.
    
24. 30/03/12 - Sent to MKRR Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action
    
25. 14/04/12 - Received from MKRR - We've requested a copy of the documents from BC and this will be forwarded to you in due course. (filed)
    

UPDATE

04/05/12 - Received from MKRR - Further to your letter, please find copy statement as requested. Please contact us to discuss repayment. Enclosed were copies of all statements on this account dating back to its inception in 2006.

Bit of a strange update, I've not made a SAR so I'm not quite sure why they felt it necessary to send all statements from 2006 (not that I'm complaining). They actually make quite interesting reading as pretty much all entries on there are either for building materials for work on the house, or kids clothes/trainers/shoes/uniform etc (worst period ever when they were both going through growth spurts on a monthly basis for a good 2 or 3 years, thank god they've stopped growing now!).

I also noticed that as soon as I reached my credit limit, I stopped spending - and then within 2 months they had increased my credit limit so I'd start spending again... happened at least 3 times, exactly the same pattern within the space of 4 or 5 years. It makes me realise that although I am responsible for having spent the money, they also need to take responsibility for making it so easy for me to have the credit facilities available for me to be able spend the money - if all of my CC creditors had never increased limits (unrequested), chances are we would only ever have been in half the debt we ended up in.

And this is why I have no issues with taking the UE route where possible

Enough of my waffle, I don't really think I need to respond to MKRR for having sent me statements and so (unless told otherwise) I will file and await their next move.

[swanfan]

Re: DNW's UE Diary

They think sending a bunch of statements is proof enough.

Cabot did the same with me, not heard zip since.

[Never-In-Doubt]

Re: DNW's UE Diary

Update - 05 May 2012

Due to HSBC starting formal action the relevant HSBC posts have been copied to a new thread in the protected legal section whilst we refer this case to our solicitor to see if they can defend.

Full details (if registered) ---> allaboutFORUMS | HSBC Claim Received - Protected Thread

Please, no more updates to HSBC on this thread.

Thanks

[DNW]

Re: DNW's UE Diary

Egg 2

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 (awaiting BC ref)
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 as since account sold to BC, I have no account reference number to make payment with.
    

UPDATE

22/06/12 - Received from BC - Account details of where to make new payments to (including new BC reference number)


Should I resume token payments now that they've sent the right details? Or just play dumb? Or request CCA from BC (Egg CCA was EN)?

[Never-In-Doubt]

Re: DNW's UE Diary

UPDATE

22/06/12 - Received from BC - Account details of where to make new payments to (including new BC reference number)


Should I resume token payments now that they've sent the right details? Or just play dumb? Or request CCA from BC (Egg CCA was EN)?

play dumb and request a CCA (only if your last request was not within the last 12 months though)

[DNW]

Re: DNW's UE Diary

CCA request was sent to (and fulfilled by) Egg last Aug, so not quite 12 months ago, but then Barclaycard took the account over and I've not requested CCA from them yet - I wonder if they may have mislaid the agreement in the transfer?

Should I drag it out a couple more months and then CCA Barclaycard?

[Never-In-Doubt]

Re: DNW's UE Diary

CCA request was sent to (and fulfilled by) Egg last Aug, so not quite 12 months ago, but then Barclaycard took the account over and I've not requested CCA from them yet - I wonder if they may have mislaid the agreement in the transfer?

Should I drag it out a couple more months and then CCA Barclaycard?

Hiya

Nah, sit tight - nothing worth sending off. Forgot it was Barclays who took the debt over, very unlikely they'll hotly pursue..... Keep us updated though

[DNW]

Re: DNW's UE Diary

Quite happy to sit tight and see what they do - this is 1 of 2 old Egg accounts we've got, so will be interesting to see if they both follow the same path...

[DNW]

Re: DNW's UE Diary

Egg 1

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 (awaiting BC ref)
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 as since account sold to BC, I have no account reference number to make payment with.
    

UPDATE

23/06/12 - Received from Barclaycard - Account details of where to make new payments to (including new BC reference number)


Seems as though I didn't have to wait long for Barclaycard to send the same letter re the other old Egg account. I'll file this away and await further contact from them.

[DNW]

Re: DNW's UE Diary

MBNA

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 My letter - request interest freeze and no change in circumstances.
9. 15/07/11 (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
    

I was just looking through my creditors list and I've realised I've heard nothing from MBNA since last Nov. Due to it being EN, I've been making token payments of £1 a month all this time though so obviously the SB clock hasn't even started ticking yet.

Should I cease the payments and see what they do?

[DNW]

Re: DNW's UE Diary

Bump

Any thoughts re my MBNA post above?

[swanfan]

Re: DNW's UE Diary

Upto you of course but i'd certainly be considering ceasing payments.

[MrsD]

Re: DNW's UE Diary

me too, you've not heard anything cos you're paying or cos they've lost the file................

[Susie]

Re: DNW's UE Diary

I'd stop paying and wake them up, they have probably put your letter in the even less urgent than normal pile