DNW's UE Diary

[Deepie]

Re: DNW's UE Diary

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

I'd be sending this first if it were me----> Account Sold whilst in Dispute

[DNW]

Re: DNW's UE Diary

Thanks Deepie, I'll send them that instead

[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. [SNIP] allaboutFORUMS - View Single Post - DNW's UE Diary
2. 13/02/13 - Rec'd from Natwest - Collection agent unable to contact you, details now being passed to Regal Credit Services. (Filed)
3. 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)
4. 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.
5. 18/03/13 - Sent to Regal - Part 1 of allaboutFORUMS - View Single Post - Overdrafts - CCA Information plus a note about no doorstep visits.
6. 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.
7. 05/04/13 - Sent to Regal - I refer you to my letter of 18/03/13 and await your reply to that.
8. 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.
9. 25/04/13 - Sent to Scotcall - Part 1 of allaboutFORUMS - View Single Post - Overdrafts - CCA Information plus a note about no doorstep visits.
10. 26/04/13 - Rec'd from Scotcall - Please send your CCA request to RBS and don't forget to enclose £1.
11. 15/05/13 - Sent to RBS and CC'd to Scotcall - Part 1 of allaboutFORUMS - View Single Post - Overdrafts - CCA Information
    

Natwest Update

24/04/13 - Rec'd from Scotcall - Thanks for your letter, please send your request to RBS. (Filed as my letter to Scotcall was a CC of the RBS request).

24/04/13 - Rec'd from Scotcall - We're sorry you don't want to speak to us, but we'd like to agree a payment plan with you. (Filed awaiting to hear from RBS).


Two updates from Scotcall today, neither of which warrant a response.

[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 - Sent - request interest freeze and no change in circumstances.
9. 15/07/11 - Received (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
    
15. 10/07/12 - Token payments cancelled to see what action they take
16. 20/12/12 - Received from MBNA - We've sold your account to Arrow Global
17. 20/12/12 - Received from Arrow (in same envelope as MBNA letter) - Notice of Assignment, your account is being managed by Wescot - please contact them to arrange payment. (Filed - await Wescot contact)
18. 30/01/13 - Received from Wescot - To avoid further action you must a) Pay the debt in full or b) contact us
19. 31/01/13 - Sent - Our Templates | Unenforceability Templates | Account Sold whilst in Dispute)
20. 13/02/13 - Received from Wescot - Acknowledge I've raised a query and will investigate. (Filed)
    

MBNA Update


20/05/13 - Received from Wescot - We've returned the account to our client and no further action will be taken by us.


Thanks very much, I'll file this and await contact from the next lot of numpties.

[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. [SNIP allaboutFORUMS - View Single Post - DNW's UE Diary
   
2. 22/09/12 - Received from Barclaycard - Notice of Assignment to MKDP LLP (Filed awaiting contact from MKDP)
3. 16/10/12 - Received from MK Rapid Recoveries - We've bought your debt, please send us a payment.
4. 19/10/12 - Sent to MKRR - Our Templates | Unenforceability Templates | Account Sold whilst in Dispute
5. 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)
6. 14/12/12 - Received from MKRR - They're liasing with my original creditor to fulfil my request for documents (Filed - awaiting further contact)
7. 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)
8. 05/04/13 - Received from MKDP - They're still in contact with Barclaycard for the CCA and will be in touch shortly. (Filed)
9. 05/04/13 - Received from MKDP - some statements of account. they're still looking for CCA and will be in touch. (Filed)
10. 24/04/13 - Received from MKDP - Recon CCA received. Emailed to Niddy and await his response.
11. 24/04/13 - Sent to MKDP - CCA Query - Missing Prescribed Terms - allaboutDEBT UK
12. 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.
13. 18/05/13 - Sent to Keynes - Account Sold whilst in Dispute - allaboutDEBT UK
    
    

Barclaycard UPDATE


24/05/13 - Received from MKDP - Final response, we have supplied a true copy CCA as per Carey v HSBC, there is no obligation to provide a signed copy, it's enough to know a copy was signed at time of inception. Feel free to complain to FOS if you don't like this.


I wish this bunch of idiots would make up their mind about who's turn it is to write to me

Which letter should I send in response, enough is enough? Enough is Enough Response - allaboutDEBT UK

[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. [SNIP allaboutFORUMS - View Single Post - DNW's UE Diary
   
2. 22/09/12 - Received from Barclaycard - Notice of Assignment to MKDP LLP (Filed awaiting contact from MKDP)
3. 16/10/12 - Received from MK Rapid Recoveries - We've bought your debt, please send us a payment.
4. 19/10/12 - Sent to MKRR - Our Templates | Unenforceability Templates | Account Sold whilst in Dispute
5. 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)
6. 14/12/12 - Received from MKRR - They're liasing with my original creditor to fulfil my request for documents (Filed - awaiting further contact)
7. 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)
8. 05/04/13 - Received from MKDP - They're still in contact with Barclaycard for the CCA and will be in touch shortly. (Filed)
9. 05/04/13 - Received from MKDP - some statements of account. they're still looking for CCA and will be in touch. (Filed)
10. 24/04/13 - Received from MKDP - Recon CCA received. Emailed to Niddy and await his response.
11. 24/04/13 - Sent to MKDP - CCA Query - Missing Prescribed Terms - allaboutDEBT UK
12. 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.
13. 18/05/13 - Sent to Keynes - Account Sold whilst in Dispute - allaboutDEBT UK
    
    

Barclaycard UPDATE


24/05/13 - Received from MKDP - Final response, we have supplied a true copy CCA as per Carey v HSBC, there is no obligation to provide a signed copy, it's enough to know a copy was signed at time of inception. Feel free to complain to FOS if you don't like this.


I wish this bunch of idiots would make up their mind about who's turn it is to write to me

Which letter should I send in response, enough is enough? Enough is Enough Response - allaboutDEBT UK

Does anyone have any idea as to whether 'enough is enough' is a suitable response to MKDP as above post please?


(Edit: Added quoted post from previous page)

[ken100464]

Re: DNW's UE Diary

Hi DNW

Think one of the mods need to guide you here.

There appears to be a possible LBA in there which with this mob isnt an idle threat. They are seemingly second only to Lowell with trips to Northampton at the moment.

[DNW]

Re: DNW's UE Diary

I'd quite like to get something sent off to MKDP if anyone could help please?

[Deepie]

Re: DNW's UE Diary

I'd quite like to get something sent off to MKDP if anyone could help please?

Barclaycard UPDATE


24/05/13 - Received from MKDP - Final response, we have supplied a true copy CCA as per Carey v HSBC, there is no obligation to provide a signed copy, it's enough to know a copy was signed at time of inception. Feel free to complain to FOS if you don't like this.


If That was there final response ...then if it were me I would just see what they do next.....

[DNW]

Re: DNW's UE Diary

Thanks Deepie, I don't know why, but these people are making me nervous and I'm expecting them to push harder. But I'll wait and see what happens.

[PlanB]

Re: DNW's UE Diary

I don't know why, but these people are making me nervous and I'm expecting them to push harder.

I'm nervous of them too because they've been issuing claims recently so when I got the same letter as you (on two Barclaycard accounts) I wrote back a one-liner telling them that I would be referring it to the FOS as they suggest.

MKDP wrote straight back to say that all collections activity would be suspended while the FOS investigate - which we all know takes a year or more And since I've got six months to carry through with my threat that will make it 18 months.

Hopefully MKDP will have forgotten about me by then

[AhhWell]

Re: DNW's UE Diary

Hi

I got these Herbets after me under MKRR. I have also had letters from MKDP.

They gave me an application form [of which only the address part was filled out, and not in my hand or signed and it dates back as far as the Midland Bank now HSBC, which i do not recall having a CC with Midland but need to check that] which I told them, they wrote back saying they complied with the Act and this is their Final Response. So I wrote back explaining they are wrong, so they wrote back reminding me it was a Final Response [so not a final response lol]

So they go on the ignore list but they did say it will be passed to the legal dept so i suppose i go through the matter with them or until such time as someone sees sense.

I never thought about the FOS complaint route and may consider it.

[DNW]

Re: DNW's UE Diary

I'm nervous of them too because they've been issuing claims recently so when I got the same letter as you (on two Barclaycard accounts) I wrote back a one-liner telling them that I would be referring it to the FOS as they suggest.

MKDP wrote straight back to say that all collections activity would be suspended while the FOS investigate - which we all know takes a year or more And since I've got six months to carry through with my threat that will make it 18 months.

Hopefully MKDP will have forgotten about me by then

Ohhh interesting that they say they'll suspend activity while FOS investigate, I like the idea of that quite a lot at the mo so I'll try the same tactic and hope I get a similar response.

Thanks PlanB

[PlanB]

Re: DNW's UE Diary

Ohhh interesting that they say they'll suspend activity while FOS investigate, I like the idea of that quite a lot at the mo so I'll try the same tactic and hope I get a similar response.

I can't guarantee that but I did it for two reasons (a) I'm into year 4 of SB so it's good to stall, and (b) I've seen a lot of claims issued by MKDP on various other sites all of a sudden

In theory they're supposed to send you a LBA but it seems they either skip that stage or send a LBA disguised as a non-threatening letter. I think Matty A may have got caught that way:

http://forums.all-about-debt.co.uk/s...&postcount=783

[DNW]

Re: DNW's UE Diary

Yes it was the Keynes letter that worried me a little, I read it as an LBA but sent 'sold in dispute' to them - I think both Keynes and MKDP are still dealing with it at the moment, but of course it could all be crossed letters being received.

I'm sure it was MKDP who pushed a claim to Northampton for an old Midland Bank credit card and whilst I 'won' as such before it got to court, it cost me in (relatively expensive to me but not to the case) legal fees which is why I'm keen to stop any action in its tracks where possible.


Edit: Thanks for the link to the post, wish I'd seen that a couple of weeks ago! I've bookmarked it now for when Keynes write to me again.