Rainbows UE Diary

[Rainbow Libert]

Re: Rainbows UE Diary

BARCLAYS BANK – MASTERLOAN -
Balance due £15633.40

Key
Sent
Received
Other Information

Dec 2000 £10k Loan agreed Jan 2001
Dec 2001 Repayment arrangement expired, renegotiated to £40 per monthPayment letter agreeing to £40 per month
Jun 2001 Payment letter agreeing to £40 per month -renewed
Jul 2002 Repayment arrangement expired, renegotiated to £5 per month
Payment letter agreeing to £5 per month
Letter sent to Masterloan after dealing with CCCS to offer £1 per month along with list of other creditors to set up standing order.
Aug 2002 Payment letter agreeing to £1 per month - renewed
Jan 2003 Payment letter agreeing to £1 per month - renewed
Aug 2003 Payment review
Repayment arrangement expired, renegotiated to £1 per month
Payment letter agreeing to £1 per month - renewed
Jul 2004 Letter sent offering full and final settlement of £1,582.82 (pro-rata with other creditors from money Mum was going to lend me IF all creditors agreed to the settlement)
Aug 2004 Full and final settlement refusal letter
Full and final settlement refusal letter – still accepting £1 per month
Oct 2004 Income & Expenditure details
Payment letter agreeing to £1 per month - renewed
May 2005Payment letter agreeing to £1 per month - renewed
Dec 2005 Financial Statement
Payment letter agreeing to £1 per month – renewed
Jan 2007 Repayment arrangement expired, renegotiated to £1 per month
Feb 2007 Payment letter agreeing to £1 per month – renewed
Feb 2008 Payment letter agreeing to £1 per month – renewed
Jan 2010 Loan Statement showing payments – balance showing as £17,112
Mar 2010 Found MSE site and Niddy
Letter asking for the CCA agreement
Apr 2010 Requested Credit Files, only this showing now as a default from June 2006
Ceased payment of £1
May 2010 Letter showing payments made £1508.60, balance £15633.40 and including photocopy of agreementMay 2010 Letter requesting true copy of agreement
Aug 2010 Debt Managers Ltd - URGENT FINAL DEMAND
Aug 2010 Debt Managers Ltd - NOTICE OF LEGAL ACTION
Sep 2010 Debt Managers Ltd - Settlement Opportunity
Sep 2010 Debt Managers Ltd & Barclays Niddy’s letter sent re account in dispute – sent to both
Sep 2010 Debt Managers Ltd - NOTICE OF PROCEEDINGS – PURSUANT TO THE COUNTY COURTS ACT 1984
Sep 2010 Russel Aitken Solicitors Debt Recovery - Considering Court Action letter
Oct 2010 Barclays according to their records....

[Rainbow Libert]

Re: Rainbows UE Diary

BARCLAYCARD – MASTERCARD
Balance due £3,885.04

Key
Sent
Received
Other Information

Sep 2001 Repayment plan agreed £37 a month
Feb 2002 Letter to renegotiate payments
Feb 2002 Full and final settlement offered - refused
Mar 2002 Mercers – Default Notice
Apr 2002 Barclaycard – unable to accept repayment offer
Apr 2002 Barclaycard - Formal Demand
May 2002 Mercers – legal action letter
Jun 2002 Mercers – Immediate Action Required letter
Jun 2002 Mercers – Accepting £5 per month
Jul 2002 Mercers & Barclaycard letter sent - Offer reduced to £1 in line with other creditors via CCCS
Aug 2002 Mercers – Accepting £1 per month
Aug 2003 Mercers – Accepting £1 per month
Jul 2006 Barclaycard – payment reviewJan 2010 Barclaycard – payment review
Mar 2010 Found MSE and Niddy - ceased £1 payment
Requested CCA
Sent for Credit Files – This is no longer showing on any of my credit files as being defaulted
Sep 2010 Barclaycard – T&C supplied, photocopy no agreement or signature contained

[Rainbow Libert]

Re: Rainbows UE Diary

BARCLAYCARD – VISA CARD
Balance due £2,938.35

Key
Sent
Received
Other Information

Sep 2001 Repayment plan agreed £30 a month
Mar 2002 Mercers – Default Notice
Apr 2002 Barclaycard - Formal Demand
May 2002 Mercers – Accepting £5 per month
Jul 2002 Mercers & Barclaycard letter sent - Offer reduced to £1 in line with other creditors via CCCS
Aug 2002 Mercers – Accepting £1 per month
Jul 2006 Barclaycard – payment review
Jan 2010 Barclaycard – payment review
Mar 2010 Found MSE and Niddy - ceased £1 payments
Requested CCA
Sent for Credit Files – This is no longer showing on any of my credit files as being defaulted
Sep 2010 Barclaycard – T&C supplied, photocopy no agreement or signature contained

[Rainbow Libert]

Re: Rainbows UE Diary

EGG LOAN
Balance due £8,962.72

Key
Sent
Received
Other Information

Jul 2002 Letter sent - Offer reduced to £1 in line with other creditors via CCCS
Aug 2004 Full & Final Settlement of £884.59 refused
Oct 2008 Collect Direct (UK) – Important Notice
Oct 2008 Collect Direct (UK) – Personal Representative Letter
Jul 2009 Trevor Munn Solicitors – informing me documentation being prepared for County Court
Aug 2009 Trevor Munn Solicitors – County Court Claim documentation letter offering to stop claim
Oct 2009 ARC (Europe) Ltd – informing me that they are going to instruct Trevor Munn?
Dec 2009 EGG – Loan Statement
Mar 2010 EGG – Loan Statement
Mar 2010 Found MSE and Niddy – Ceased £1 per month payments
Requested CCA
Sent for Credit Files – This is no longer showing on any of my credit files as being defaulted
May 2010 Aktiv Kapital – account sold to them whilst in dispute
May 2010 Aktiv Kapital – account sold to them whilst in dispute (template letter)
May 2010 Aktiv Kapital – account accruing interest, offer of 10% reduction on balanceMay 2010 Aktiv Kapital – acknowledging account sold to them whilst in dispute (template letter) response due in due course
Jul 2010 EGG copy of Loan agreement – T&C supplied, photocopy no agreement or signature contained
Sep 2010 Aktiv Kapital – Awaiting response from Egg, account put on hold until they resolve the matter

[Rainbow Libert]

Re: Rainbows UE Diary

EGG VISA
Balance due £4,085.50

Key
Sent
Received
Other Information

Jul 2002 Letter sent - Offer reduced to £1 in line with other creditors via CCCS
Oct 2003 Payment Review - £1 per month agreed
Oct 2003 Full & Final Settlement offer refused
Mar 2004 Moorcroft Debt Recovery – Taken account from Egg
Mar 2004 Letter to Moorcroft about circumstances offering £1
Mar 2004 Moorcroft requesting expenditure and proof of income
Mar 2004 Letter to Moorcroft detailing expenditure listed with CCCS and including Psychiatrist letter to say I’m not of sound mind
Oct 2004 Credit Solutions (UK) – Important Notice
Nov 2004 Credit Solutions (UK) – Request for Information
Dec 2004 Credit Solutions (UK) – Notice of Legal Proceedings
Mar 2004 Letter to Credit Solutions (UK) re: £1 payment being sent to the wrong collection agency, no longer listed as avoiding payment
Feb 2005 Credit Solutions (UK)
Mar 2005 Moorcroft Debt Recovery – re: £1 payment being sent to the wrong collection agency, no longer listed as avoiding payment
Mar 2005 Moorcroft Debt Recovery – statement of payments
Apr 2005 Moorcroft Debt Recovery – arrears of £3
Apr 2005 Moorcroft Debt Recovery explaining the photocopied statement (attached photocopy proving payments taken from bank in December-January payable to Credit Solutions not Moorcroft £4 – no arrears)
Mar 2005 Wescot Credit Services Ltd – Notice of Debt Collection
Mar 2005 Fax sent Wescot Credit Services Ltd stating I could only pay £1 per month and didn’t care who it went to so long as only one company got it and passed it to Egg on my behalf
May 2005 Moorcroft Debt Recovery – Notice of Intended Litigation
Jun 2005 Wescot Credit Services Ltd – Income & Expenditure form
Jul 2005 Wescot Credit Services Ltd – Client withdrawn the account, no further action from Wescot
Sep 2005 Moorcroft Debt Recovery – Notice of Intended Litigation
Sep 2005 Moorcroft Debt Recovery – arrears of £2 (rang, letter been sent in error – ignore)
Mar 2010 Found MSE and Niddy – Ceased £1 per month paymentsRequested CCA
Sent for Credit Files – This is no longer showing on any of my credit files as being defaulted
Apr 2010 EGG copy of Loan agreement – T&C supplied, photocopy of agreement and signature contained
Apr 2010 Letter to EGG requesting True Copy of agreement (Template letter)
Apr 2010 EGG stating that the documents they sent did constitute a true copy
May 2010 EGG requesting photocopy of Actual Agreement (Template letter)
May 2010 EGG stating that the documents they sent did constitute a true copy May 2010 EGG passing my complaint to Customer Relations Advisers, contact due in due course
Sep 2010 ARC (Europe) Ltd – Account passed for collection
**Oct 2010 Trevor Munn - Preparing Court Action letter

[Rainbow Libert]

Re: Rainbows UE Diary

ROBINSON WAY - GYM MEMBERSHIP
Balance due £194.66

Key
(S) Sent
(R) Received
(OI) Other Information
couldn't use the coloured key as message was too long and kept jumping back to beginning - couldn't copy coloured text from word document

(R) Jan 2002 Open & Direct – arrears notice
(S) Feb 2002 Classic World of Fitness – Cancellation of Membership & explaining why I don’t owe money
(R) Classic World of Fitness – Refusal to cancel membership
(R) Feb 2002 Classic World of Fitness – Offering to transfer membership
(S) Feb 2002 Classic World of Fitness – Cancellation of Membership
(R) Mar 2002 Consumer Collection Limited – Default Notice
(R) Jun 2002 Robinson Way – Formal Demand for Payment
(R) Jun 2002 Robinson Way – payment accepted £2 per month
(R) Jul 2002 Robinson Way – arrears of £2
(R) Jul 2002 Robinson Way – Reminder payment due
(S) Jul 2002 Classic World of Fitness – Cancellation of Membership & explaining why I don’t owe money
(R) Jul 2002 Robinson Way – request for balance
(R) Classic World of Fitness – Refusal to cancel membership
(R) Classic World of Fitness – Refusal to cancel membership
(S) Jul 2002 Classic World of Fitness – Cancellation of Membership mitigating circumstances & ill health
(R) Jul 2002 Robinson Way – thank you for continuing payments and payment review
(R) Aug 2002 Robinson Way – DO NOT IGNORE preparing Court Action
(S) Aug 2002 Classic World of Fitness – offer payment in line with CCCS pro-rata 11p per month
(R) Aug 2003 Robinson Way – continuing to accept nominal payments
(R) Dec 2003 Robinson Way – payment review – no change in payments – 11p per month
(R) May 2004 Robinson Way – payment review – no change in payments – 11p per month
(R) May 2004 Robinson Way – payment accepted – 11p per month
(R) Jul 2004 Robinson Way – payment reminder
(R) Sep 2004 Robinson Way – payment reminder
(R) Oct 2004 Robinson Way – thank you for continuing payments, payment review – accepted 11p
(R) Mar 2005 Robinson Way – thank you for continuing payments, payment review – accepted 11p
(R) May 2005 Robinson Way – NOTICE OF LEGAL PROCEEDINGS preparing Court Action
(R) Jun 2005 Robinson Way – payment review – accepted 11p
(R) Aug 2005 Robinson Way – thank you for continuing payments, payment review – accepted 11p
(R) Jan 2006 Robinson Way – thank you for continuing payments, payment review – accepted 11p
(R) Apr 2006 Robinson Way – Offer to accept £100 (OI - rang explaining have no money they accepted 11p)
(R) Apr 2006 Robinson Way – thank you for continuing payments, payment review – asked for £1
(R) May 2006 Robinson Way – payment reminder
(R) May 2006 Robinson Way –payment review – accepted 11p
(R) Jun 2006 Robinson Way – payment due
(R) Jul 2006 Robinson Way – settlement offer
(R) Oct 2006 Robinson Way – thank you for continuing payments, payment review – accepted 11p
(R) Mar 2007 Robinson Way – thank you for continuing payments, payment review – accepted 11p
(R) Aug 2007 Robinson Way – thank you for continuing payments, payment review – accepted 11p
(R) Feb 2008 Robinson Way – thank you for continuing payments, payment review – accepted 11p
(R) Jun 2008 Robinson Way – thank you for continuing payments, payment review – accepted 11p
(R) Apr 2009 Robinson Way – thank you for continuing payments, payment review – accepted 11p
(R) Aug 2009 Robinson Way – settlement offer - £64.52 (IO not fair to favour one debt over another)
(R) Sep 2009 Robinson Way – thank you for continuing payments, payment review – accepted 11p
(R) Sep 2009 Robinson Way – statement of account
(R) Sep 2009 Robinson Way – extra payment slip due to postal disruption
(R) Feb 2010 Robinson Way – thank you for continuing payments, payment review – accepted 11p
(R) Mar 2010 Robinson Way – settlement offer - £97.44 (IO not fair to favour one debt over another)
(OI) Mar 2010 Found MSE and Niddy – Ceased 11p per month payments
(S) Mar 2010 Requested CCA
(S) Mar 2010 Sent for Credit Files – This is no longer showing on any of my credit files as being defaulted
(R) Mar 2010 Robinson Way – Chq returned, unable to obtain copy of agreement, does not mean not entitled to pursue
(S) Apr 2010 Robinson Way – Failed to supply true copy – template letter
(R) Apr 2010 Robinson Way – fact that they can’t find documentation does not mean debt does not exist
(R) Apr 2010 Robinson Way – copy of their complaints procedure
(S) May 2010 Robinson Way – failure to send true copy – template letter
(R) May2010 Robinson Way – unable to find copy of agreement does not mean the debt does not exist
(R) Jun 2010 Robinson Way – arrears 22p
(R) Jul 2010 Robinson Way – APPOINTMENT FOR HOME VISIT
(R) Jul 2010 Horwich Farrelly – Account passed for collection
(S) Aug 2010 Horwich Farrelly – Account in dispute template letter sent
(R) Aug 2010 Horwich Farrelly – Commencement of court action
(R) Aug 2010 Horwich Farrelly – looking into the matter, as have made payments previously shows awareness of balance and liability

Quite amusing in a way that the debt that I owe the least to has chased the hardest, but I can not favour one debt over another and as I never agreed I owed this amount, whereas I knew I owed the other amounts I wasn't busting a gut to repay this early.

[Never-In-Doubt]

Re: Rainbows UE Diary

BARCLAYS BANK – MASTERLOAN -
Balance due £15633.40

Sep 2010 Debt Managers Ltd - NOTICE OF PROCEEDINGS – PURSUANT TO THE COUNTY COURTS ACT 1984
Sep 2010 Russel Aitken Solicitors Debt Recovery - Considering Court Action letter

Ok, can you send me both letters and mark the title of your email "Rainbow Barclays Masterloan" - I need to see what they have sent you and what this court claim is - have they started action or is it a threat of action...?

[Never-In-Doubt]

Re: Rainbows UE Diary

BARCLAYCARD – MASTERCARD
Balance due £3,885.04

Sep 2010 Barclaycard – T&C supplied, photocopy no agreement or signature contained

Respond with this (if not already done so) : ---> viewtopic.php?p=1623#p1623

[Never-In-Doubt]

Re: Rainbows UE Diary

BARCLAYCARD – VISA CARD
Balance due £2,938.35

Sep 2010 Barclaycard – T&C supplied, photocopy no agreement or signature contained

As above, respond with this (unless already done so): ---> viewtopic.php?p=1623#p1623

[Never-In-Doubt]

Re: Rainbows UE Diary

EGG LOAN
Balance due £8,962.72

Sep 2010 Aktiv Kapital – Awaiting response from Egg, account put on hold until they resolve the matter

Just ignore this, it remains UE until such time they DO respond... ;-y

[Never-In-Doubt]

Re: Rainbows UE Diary

EGG VISA
Balance due £4,085.50

May 2010 EGG passing my complaint to Customer Relations Advisers, contact due in due course
Sep 2010 ARC (Europe) Ltd – Account passed for collection

Ahh so in May they passed it to a complaints manager then the next you hear, it's September and they have sold it to a 3rd party? Thanks Egg - that's useful to know and also an almighty cock-up.... Imagine selling an account in dispute, the shame of it ;P-;

Just send this to ARC: ---> viewtopic.php?p=2310#p2310

[Never-In-Doubt]

Re: Rainbows UE Diary

ROBINSON WAY - GYM MEMBERSHIP
Balance due £194.66

(R) Aug 2010 Horwich Farrelly – looking into the matter, as have made payments previously shows awareness of balance and liability

Quite amusing in a way that the debt that I owe the least to has chased the hardest, but I can not favour one debt over another and as I never agreed I owed this amount, whereas I knew I owed the other amounts I wasn't busting a gut to repay this early.

See how you get on with this, if necessary i'll write to them at a later date and get this sorted - it's a bloody joke and really for such a small amount the courts would take a dim view of their tactics, especially being they have spent more than the value of the debt on collection activity - its a joke and really winds me up.

See what happens, let me know when they do respond and if necessary i'll sort you a response cos they need to wind their bloody necks in now - I mean, if we go down I&E they will be lucky to get 25p per month - idiots! 1 1

[Rainbow Libert]

Re: Rainbows UE Diary

[quote=Never-In-Doubt]

BARCLAYS BANK – MASTERLOAN -
Balance due £15633.40

Sep 2010 Debt Managers Ltd - NOTICE OF PROCEEDINGS – PURSUANT TO THE COUNTY COURTS ACT 1984
Sep 2010 Russel Aitken Solicitors Debt Recovery - Considering Court Action letter

Ok, can you send me both letters and mark the title of your email "Rainbow Barclays Masterloan" - I need to see what they have sent you and what this court claim is - have they started action or is it a threat of action...?[/quote:10n88o9k]


Email sent with two attachments, they do use the word "may" so presume it is yet another threat. Fingers Crossed anyway

[Never-In-Doubt]

Re: Rainbows UE Diary

Email sent with two attachments, they do use the word "may" so presume it is yet another threat. Fingers Crossed anyway

Ahhh respond with this - don't worry: ---> viewtopic.php?p=2318#p2318

[Rainbow Libert]

Re: Rainbows UE Diary

[quote=Never-In-Doubt][quote="Rainbow Liberty":2djcw8zg][color=#FF0000][size=5]BARCLAYCARD – MASTERCARD[/size][/color]
Balance due £3,885.04

Sep 2010 [color=#FF0000]Barclaycard – T&C supplied, photocopy no agreement or signature contained[/color][/quote] Respond with this (if not already done so) [color=#FF8000][b]: ---> [/b][/color] [url="http://forums.all-about-debt.co.uk/viewtopic.php?p=1623#p1623"]viewtopic.php?p=1623#p1623[/url][/quote:2djcw8zg]


Oct 2010 Barclaycard – T&C supplied (template letter)