DNW's UE Diary

[what2donext]

Re: DNW's UE Diary

I have news from MKDP....



"As a gesture of goodwill, we are closing the account... once you return the aforementioned documents [in the pre-paid SAE no less!], the account will be closed and MKDP will no longer pursue you regarding this account."





As the account's to be closed and the account balance shows on the letter as nil, am I safe to think that Barclaycard won't pass it over to another DCA?

Fantastic result DNW

[DNW]

Re: DNW's UE Diary

Natwest Overdraft

Name                     - Natwest
Type of account          - Overdraft
Date commenced           - Oct 2000
Approx balance           - £2,200
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.
21. 31/01/12 - Sent to Natwest - letter requesting refund of charges and resumed token payments
    
22. 10/02/12 - Letter from Westcot - They are now dealing with this account and would like to know when we're going to pay it.
23. 15/02/12 - Letter from Natwest - "Thanks for your letter of 31/01/12, Westcot are now dealing with your account and we have passed your letter to them and they will contact you shortly.... When charges and interest were applied to the account they were rightfully due within the T&C."
24. 21/02/12 - Sent Our Templates | Unenforceability Templates | Subject Access (SAR) - Typical Request
25. 07/03/12 - Letter from Westcot - Acknowledge we have raised a query on the account and will suspend all collection activity while the matter is being investigated. (filed)
26. 08/03/12 - Token Payments ceased (as had resumed in error pending CCA type request)
27. 09/03/12 - Letter from Natwest - Acknowledge receipt of SAR but can't proceed without signed authority
28. 13/03/12 - Sent Our Templates | Unenforceability Templates | Creditor Refusal of SAR
    
29. 21/03/12 - Letter from Natwest - Thanks for your recent letter, unfortunately you haven't signed it and we therefore can't action its contents without being to verify your identity. Please sign and return the enclosed pro-forma.
    
30. 23/03/12 - Letter from Westcot - They are to refund the one interest charge added since 14th Jan (date of formal demand), however the default charge will remain in place.... We believe this resolves the dispute and look forward to your payment.
31. 30/03/12 - Sent to Natwest: Our Templates | Unenforceability Templates | Signature Request by Creditor/DCA
32. 30/03/12 - Sent to Westcot: Part 1: allaboutFORUMS - View Single Post - Overdrafts - CCA Information
33. 12/04/12 - Received from Natwest - "As you don't want to sign the request, we can send the requested details to a nominated branch for you to collect - evidence of your identity will be required upon collection".
34. 24/04/12 - Sent to Natwest - letter informing them of the branch we wished to collect SAR from
35. 15/08/12 - Rec'd from Natwest - As we've been unable to contact you, your details have been passed to Allied International Credit - and queries should now be passed to them.
36. 15/10/12 - Rec'd from Allied International Credit - PLease contact us to discuss payment options
37. 19/10/12 - Sent to Allied (Part 2 of) Overdrafts - CCA Information - allaboutFORUMS
38. 27/10/12 - Rec'd from Allied International Credit - Please send us £1 for a copy agreement or £10 for copy statements
39. 08/11/12 - Sent letter of complaint re ignoring SAR to CEO (see post for wording allaboutFORUMS - View Single Post - DNW's UE Diary)
40. 17/11/12 - Rec'd from RBS Group Exec Office - Acknowledge my letter as above and will investigate as a matter of urgency.(Filed)
41. 26/11/12 - Rec'd from Natwest - letter full of apologies for not yet responding to SAR, they are still in the process of compiling and once exhausted will send it all through. They've also returned the (now out of date) postal order and are waiving the fee
42. 29/12/12 - Collected SAR documents from branch
43. 13/02/13 - Rec'd from Natwest - Collection agent unable to contact you, details now being passed to Regal Credit Services. (Filed)
44. 27/02/13 - Rec'd from Regal Credit - We have been passed your details by Natwest and will be in touch to discuss payments. (Filed)

Natwest Overdraft UPDATE

14/03/13 - Rec'd from Regal Credit - Please contact us to discuss, as we have not been notified of reason for non-payment we will instruct field collectors to visit.

Seeing as this is an OD, I'm not quite sure what to send them, I'll need to include a section on "don't come and colllect my door-step", but other than that I'm a bit unsure?

[Never-In-Doubt]

Re: DNW's UE Diary

Natwest Overdraft UPDATE

14/03/13 - Rec'd from Regal Credit - Please contact us to discuss, as we have not been notified of reason for non-payment we will instruct field collectors to visit.

Seeing as this is an OD, I'm not quite sure what to send them, I'll need to include a section on "don't come and colllect my door-step", but other than that I'm a bit unsure?

Overdraft CCA? --> Overdrafts - CCA Information - allaboutFORUMS

[DNW]

Re: DNW's UE Diary

The part 1 - CCA request one? I should've known that if I'd read my own post properly That's exactly what I sent to Wescot when it was first passed over to them.

Thanks

[Never-In-Doubt]

Re: DNW's UE Diary

There are two parts, if you've sent the first send the second. With those, as you do not have to pay £1, you can send part 1 to whatever new DCA takes the debt on - ie start afresh each time it gets sold.

Has the other matter been resolved now, with MKDP and the info?

[SA Gold]

Re: DNW's UE Diary

What an absolute result on the Barclays one!
Niddy - that letter made me chuckle; straight to the point. It's just trumped my previous favorite which has "when are you going to get in to your thick skills" bit

[DNW]

Re: DNW's UE Diary

Has the other matter been resolved now, with MKDP and the info?

It has indeed! I received confirmation yesterday that the account has been written off and closed and no one will chase me for it in the future

Wondering now whether I could use the same trick again with my OHs account that's also being chased by MKDP

[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)
    

Update


24/04/13 - Received from MKDP - Recon CCA received.

I'll email it to Niddy and await his response.

[DNW]

Re: DNW's UE Diary

Update


24/04/13 - Received from MKDP - Recon CCA received.

I'll email it to Niddy and await his response.

I've heard back from Niddy and will be sending missing PT to MKDP CCA Query - Missing Prescribed Terms - allaboutDEBT UK

[SA Gold]

Re: DNW's UE Diary

Wondering now whether I could use the same trick again with my OHs account that's also being chased by MKDP

i like your style!

[DNW]

Re: DNW's UE Diary

Natwest Overdraft

Name                     - Natwest
Type of account          - Overdraft
Date commenced           - Oct 2000
Approx balance           - £2,200
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.
21. 31/01/12 - Sent to Natwest - letter requesting refund of charges and resumed token payments
    
22. 10/02/12 - Letter from Westcot - They are now dealing with this account and would like to know when we're going to pay it.
23. 15/02/12 - Letter from Natwest - "Thanks for your letter of 31/01/12, Westcot are now dealing with your account and we have passed your letter to them and they will contact you shortly.... When charges and interest were applied to the account they were rightfully due within the T&C."
24. 21/02/12 - Sent Our Templates | Unenforceability Templates | Subject Access (SAR) - Typical Request
25. 07/03/12 - Letter from Westcot - Acknowledge we have raised a query on the account and will suspend all collection activity while the matter is being investigated. (filed)
26. 08/03/12 - Token Payments ceased (as had resumed in error pending CCA type request)
27. 09/03/12 - Letter from Natwest - Acknowledge receipt of SAR but can't proceed without signed authority
28. 13/03/12 - Sent Our Templates | Unenforceability Templates | Creditor Refusal of SAR
    
29. 21/03/12 - Letter from Natwest - Thanks for your recent letter, unfortunately you haven't signed it and we therefore can't action its contents without being to verify your identity. Please sign and return the enclosed pro-forma.
    
30. 23/03/12 - Letter from Westcot - They are to refund the one interest charge added since 14th Jan (date of formal demand), however the default charge will remain in place.... We believe this resolves the dispute and look forward to your payment.
31. 30/03/12 - Sent to Natwest: Our Templates | Unenforceability Templates | Signature Request by Creditor/DCA
32. 30/03/12 - Sent to Westcot: Part 1: allaboutFORUMS - View Single Post - Overdrafts - CCA Information
33. 12/04/12 - Received from Natwest - "As you don't want to sign the request, we can send the requested details to a nominated branch for you to collect - evidence of your identity will be required upon collection".
34. 24/04/12 - Sent to Natwest - letter informing them of the branch we wished to collect SAR from
35. 15/08/12 - Rec'd from Natwest - As we've been unable to contact you, your details have been passed to Allied International Credit - and queries should now be passed to them.
36. 15/10/12 - Rec'd from Allied International Credit - PLease contact us to discuss payment options
37. 19/10/12 - Sent to Allied (Part 2 of) Overdrafts - CCA Information - allaboutFORUMS
38. 27/10/12 - Rec'd from Allied International Credit - Please send us £1 for a copy agreement or £10 for copy statements
39. 08/11/12 - Sent letter of complaint re ignoring SAR to CEO (see post for wording allaboutFORUMS - View Single Post - DNW's UE Diary)
40. 17/11/12 - Rec'd from RBS Group Exec Office - Acknowledge my letter as above and will investigate as a matter of urgency.(Filed)
41. 26/11/12 - Rec'd from Natwest - letter full of apologies for not yet responding to SAR, they are still in the process of compiling and once exhausted will send it all through. They've also returned the (now out of date) postal order and are waiving the fee
42. 29/12/12 - Collected SAR documents from branch
43. 13/02/13 - Rec'd from Natwest - Collection agent unable to contact you, details now being passed to Regal Credit Services. (Filed)
44. 27/02/13 - Rec'd from Regal Credit - We have been passed your details by Natwest and will be in touch to discuss payments. (Filed)
45. 14/03/13 - Rec'd from Regal Credit - Please contact us to discuss, as we have not been notified of reason for non-payment we will instruct field collectors to visit.
46. 18/03/13 - Sent to Regal - Part 1 of allaboutFORUMS - View Single Post - Overdrafts - CCA Information plus a note about no doorstep visits.
47. 27/03/13 - Rec'd from Regal Credit - Please contact us to discuss, as we have not been notified of reason for non-payment we will instruct field collectors to visit. Partial settlement may be available.
48. 05/04/13 - Sent to Regal - I refer you to my letter of 18/03/13 and await your reply to that.
    

UPDATE


25/04/13 - Rec'd from Scotcall - We've been authorised to recover this debt. If you don't pay within 7 days we will instruct field collectors to visit.


Looks like Regal didn't want to hang onto this one for long - It's been passed to Scotcall now. I'll send Part 1 of allaboutFORUMS - View Single Post - Overdrafts - CCA Information plus a note about no doorstep visits to them.

[DNW]

Re: DNW's UE Diary

Natwest Overdraft

Name                     - Natwest
Type of account          - Overdraft
Date commenced           - Oct 2000
Approx balance           - £2,200
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.
21. 31/01/12 - Sent to Natwest - letter requesting refund of charges and resumed token payments
    
22. 10/02/12 - Letter from Westcot - They are now dealing with this account and would like to know when we're going to pay it.
23. 15/02/12 - Letter from Natwest - "Thanks for your letter of 31/01/12, Westcot are now dealing with your account and we have passed your letter to them and they will contact you shortly.... When charges and interest were applied to the account they were rightfully due within the T&C."
24. 21/02/12 - Sent Our Templates | Unenforceability Templates | Subject Access (SAR) - Typical Request
25. 07/03/12 - Letter from Westcot - Acknowledge we have raised a query on the account and will suspend all collection activity while the matter is being investigated. (filed)
26. 08/03/12 - Token Payments ceased (as had resumed in error pending CCA type request)
27. 09/03/12 - Letter from Natwest - Acknowledge receipt of SAR but can't proceed without signed authority
28. 13/03/12 - Sent Our Templates | Unenforceability Templates | Creditor Refusal of SAR
    
29. 21/03/12 - Letter from Natwest - Thanks for your recent letter, unfortunately you haven't signed it and we therefore can't action its contents without being to verify your identity. Please sign and return the enclosed pro-forma.
    
30. 23/03/12 - Letter from Westcot - They are to refund the one interest charge added since 14th Jan (date of formal demand), however the default charge will remain in place.... We believe this resolves the dispute and look forward to your payment.
31. 30/03/12 - Sent to Natwest: Our Templates | Unenforceability Templates | Signature Request by Creditor/DCA
32. 30/03/12 - Sent to Westcot: Part 1: allaboutFORUMS - View Single Post - Overdrafts - CCA Information
33. 12/04/12 - Received from Natwest - "As you don't want to sign the request, we can send the requested details to a nominated branch for you to collect - evidence of your identity will be required upon collection".
34. 24/04/12 - Sent to Natwest - letter informing them of the branch we wished to collect SAR from
35. 15/08/12 - Rec'd from Natwest - As we've been unable to contact you, your details have been passed to Allied International Credit - and queries should now be passed to them.
36. 15/10/12 - Rec'd from Allied International Credit - PLease contact us to discuss payment options
37. 19/10/12 - Sent to Allied (Part 2 of) Overdrafts - CCA Information - allaboutFORUMS
38. 27/10/12 - Rec'd from Allied International Credit - Please send us £1 for a copy agreement or £10 for copy statements
39. 08/11/12 - Sent letter of complaint re ignoring SAR to CEO (see post for wording allaboutFORUMS - View Single Post - DNW's UE Diary)
40. 17/11/12 - Rec'd from RBS Group Exec Office - Acknowledge my letter as above and will investigate as a matter of urgency.(Filed)
41. 26/11/12 - Rec'd from Natwest - letter full of apologies for not yet responding to SAR, they are still in the process of compiling and once exhausted will send it all through. They've also returned the (now out of date) postal order and are waiving the fee
42. 29/12/12 - Collected SAR documents from branch
43. 13/02/13 - Rec'd from Natwest - Collection agent unable to contact you, details now being passed to Regal Credit Services. (Filed)
44. 27/02/13 - Rec'd from Regal Credit - We have been passed your details by Natwest and will be in touch to discuss payments. (Filed)
45. 14/03/13 - Rec'd from Regal Credit - Please contact us to discuss, as we have not been notified of reason for non-payment we will instruct field collectors to visit.
46. 18/03/13 - Sent to Regal - Part 1 of allaboutFORUMS - View Single Post - Overdrafts - CCA Information plus a note about no doorstep visits.
47. 27/03/13 - Rec'd from Regal Credit - Please contact us to discuss, as we have not been notified of reason for non-payment we will instruct field collectors to visit. Partial settlement may be available.
48. 05/04/13 - Sent to Regal - I refer you to my letter of 18/03/13 and await your reply to that.
49. 25/04/13 - Rec'd from Scotcall - We've been authorised to recover this debt. If you don't pay within 7 days we will instruct field collectors to visit.
50. 25/04/13 - Sent to Scotcall - Part 1 of allaboutFORUMS - View Single Post - Overdrafts - CCA Information plus a note about no doorstep visits.
    

Natwest UPDATE


29/04/13 - Rec'd from Scotcall - Please send your CCA request to someone else and don't forget to enclose £1.


I think I should send Part 2 of Overdrafts - CCA Information - allaboutFORUMS to Scotcall in response?

[DNW]

Re: DNW's UE Diary

Natwest UPDATE


29/04/13 - Rec'd from Scotcall - Please send your CCA request to someone else and don't forget to enclose £1.


I think I should send Part 2 of Overdrafts - CCA Information - allaboutFORUMS to Scotcall in response?

Reading it again, part 2 isn't relevant yet so should I send Part 1 to RBS (who Scotcall told me to request CCA from ?)

[Pixie]

Re: DNW's UE Diary

I would...but don't bother enclosing the £1.

If Scotcall get in touch with you again, you can say that you have done as they asked

[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
    

Barclaycard2 UPDATE

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.



Looks like MKRR have passed this to the next numpty along the desk. Should I send them: Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation