Clearingthepas UE Diary

[clearingthepas]

Help please -Barclaycard and old CCA

Barclaycard
Started 2002
Bal: £8869
Defaulted 2005
DMP £3.06
Owned by Credit Solutions
5/12/11 letter received from Robinson Way(?) for formal demand for payment, but the reference card no. and amount completely different + our Barclaycard is owned by Credit Solutions??? Uploaded for Niddy to check out
24/12/11 appears these letteres relate to egg card which is now owned by Barclays
26/1/12 letter recd from barclaycard advising we have been passed to Apex credit management
26/1/12 letter recd from Apex advising theya re dealing and to contact with MATTER OF URGENCY.
27/1/12 CCA request sent
7/2/12 Apex letter promising a home visit appt - address old one and only partial...good luck with that then.
10/2/12 letter advising Apex dont hold documents we must send CCA request to Barclaycard direct..will do first thing mon!
13/2/12 CCA request sent to Barclaycard as advised by Apex
27/3/12 two letters recd today. One from Apex who advise that Barclaycard no longer hold CCA form as default is over 6 years ago
2ne letter from Barclaycard advising that they cannot provide CCA as the address quoted in request is different - this letter was sent to an old address but they have been writing ti us at the recent address for several years?! emailed niddy for advice
5/4/12 duplicate letter from Apex dated 22/3/12 advising forms no longer held as default over 6 years ago
11/4/12 Apex write to advise that they have confirmed we are still resident at our old address and will be arranging a home visit..
4/5/12 letter form Apex advising the barclaycard know it is a difficult time for people and they can offer v good settlements...
13/7/12 letter recd from Wescot advising us to reply IMMEDIATELY and READ CAREFULLY!!
10/8/12 Nelson Guest now chasing for repayment in FULL

Hi out there...does any one know where we stand on this please?

we never had the CCA for this because barclaycard say the debt is too old (default was 6 years ago - tho nothing paid in last 12 months). I see on some other threads they have tried this before. Shall i just send account in dispute letter?

[clearingthepas]

Re: Clearingthepast UE Diary

Egg loan
Started 2004
Bal: £3402
Defaultd 2005
DMP £2.00
Owned by Credit Solutions
3/5/12 FINAL notice recd from Wescot
4/5/12 CCA request sent
5/5/12 Wescot address verification recd
12/5/12 CCA request returned by wescot as they are acting for britannica so ask for £1 payable to them instead and resend it to them...
14/2/12 CCA request resent with £1 now payable to Britannica but have no contact details for them hence resent to wescot... round and round the garden....lol

Hello can i have some advice please

Wescot want us to write write confirming DOB and previous address to prevent "breach of data protection".
Guess this is because wescot write to current address and Egg/Barclaycard have our previous one... is it OK to do this??

[clearingthepas]

Re: Clearingthepast UE Diary

Hi

any suggestions on this one. Have been dealing with Moorcroft and as this account does not fall fully into the CCA unenforcibility may have to come up with a payment plan.... eventually.....however it was a joint account and Moorcroft are only writing to me on it, but Lloyds sent statements to me at our current address and hubbie at our previous address last month... should i ask for clarification on who owns it as dont want to agree anything and then have another company them chase hubbie for more.. as i thought u were jointly and severaly liable for joint stuff?

Lloyds TSB 3 (former joint personal account)
Started 1998
Bal: £9208
Defaulted 2006
DMP £3.17
Owned by Lloyds TSB debt recovery
23/2/12 moorcroft letter advising they are intending litigation - emailed Niddy for advice
24/2/12 another letter from moorcroft to my new address trying to confirm its me....
2/8/2/12 threatogram before action template sent
9/3/12 moorcrort acknowledge receipt and advise it is being dealt with by compliance dept and account on hold whilst they investigate
18/3/12 recd a 3 page letter from moorcfort compliance have emailed Niddy for advice...ignore and wait for next move
5/4/12 moorcorft write to say that lloyds have advised that CCA not required on this type of account, and I have 2 weeks to contact them before they follow this up..
11/4/12 a 2 page letter from moorcroft explaining that this account not under the CCA act and i must offer a suitable payment plan i can afford, and saying a financial statement enclosed for me to complete - but it wasnt they just sent a copy of the previous letter?!

[clearingthepas]

Re: Clearingthepast UE Diary

You have nothing to worry about from Freds or Bryan Carter.

Just ignore like I2D says

Thanks

[Pixie]

Re: Clearingthepast UE Diary

You have nothing to worry about from Freds or Bryan Carter.

Just ignore like I2D says

[Deepie]

Re: Clearingthepast UE Diary

Hi Swanfan

Bryan Carter sent the above letter to Fredrickson and they now write to say I must write to Capt 1 direct if I dispute liability, shall i send same templat to them as well?


clearingthepast

I Would just ignore for now....

[clearingthepas]

Re: Clearingthepast UE Diary

Send this to Bryan Carter--> Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation

Hi Swanfan

Bryan Carter sent the above letter to Fredrickson and they now write to say I must write to Capt 1 direct if I dispute liability, shall i send same templat to them as well?


clearingthepast

[clearingthepas]

Re: Clearingthepast UE Diary

It won't hurt.

From my experience, Greens roll over pretty quickly.

Thanks Pixie

[Pixie]

Re: Clearingthepast UE Diary

It won't hurt.

From my experience, Greens roll over pretty quickly.

[clearingthepas]

Re:Green & Co Sols for Triton for Mint

recd a solicitors letter from Green & Co ( making it a hat trick 3 solicitors letters in 3 days!
It gives us "one final chance" to make payment or they will commecnce court proceedings despite the fact that Mint are still investigating our complaint (it was only a request for CCA origianally that they have never actioned as they wnat it SIGNED

so far...
Mint card
Started 2003ish
Bal: £ 3748
Defaulted 2005
DMP £ 2.00
Owned by Mint
4/12/11 statement sent to us so have now sent off CCA request
23/12/11 2 letters recd dated 5/12/11 and 15/12/11 stating dissapointment at failure to pay monthly amt and second one threatening transfer to external collection agency
24/12/11 mint advise they cannot send CCA as the letter was not signed -
28/12/11 responded with sig not required template
7/1/12 mint statement
11/1/12 mint have sent sig req template letter back as its not signed!!!!!!
21/1/12 letter recd saying they are disappointed we have not paid
21/1/12 CCA final response sent
3/2/12 standard form returned with my letters with "Not Signed" box ticked!! Niddy says await next move
7/2/12 letter recd from Triton for payment DEMAND
8/2/12 account sold whilst indispute template sent
21/2/12 letter from Triton recd "URGENT ACTION REQUIRED"
23/2/12 harrassment template sent
3/3/12 Triton letter advising "notice of legal proceedings"
3/3/12 Triton second letter recd same day refering to our recent correspondance advising they cannot reply without knowledge of our full financial position (we only want a CCA!!!!!)
6/3//12 Niddy advises threat o gram template - sending recorded tomorrow am
17/3/12 Trition say we must send £1 PO and sign letter and send it to them and then their client will send copy of CCA
11/4/12 Mint write to say they are sorry to hear that we are not happy with how they have communicated with us and that they will investigate and come back to us by 30th May...lol

Shall I send the "threat by creditor to commence litigation" template to Green & Co?

[swanfan]

Re: Clearingthepast UE Diary

Send this to Bryan Carter--> Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation

[clearingthepas]

Bryan Carter solicitors re Capt 1

Hi

Bryan Carter solicitors have written re capt 1, tho this has been around the houses already...
Capital one card
Startd 2002ish
Bal: £3939
Defaulted 2006
DMP £ 2.00
Owned by Capital One
31/10/11 CCA request sent
21/11/11 letter form Capital 1 plus copy agreement uploaded to secure section
28/11/11 Niddy says unenforceable missing prescribed terms
template letter advising sent
5/12/11 before letter was posted capquest write to advise they now deal with this so Missing Prescribed terms template sent to them
10/12/11 letter from capquest advising us to contact to protect our credit rating!!as we have no ccjs registered )
11/12/11 letter from capquest asking for immediate contact. ignorig as no resonse to missing prescribed terms yet.
28/12/11 LETTER BEFORE ACTION recd from capquest but no sign of missing prescribed terms
3/1/12 threat of litigation template sent on niddys advice
7/1/12 Capt 1 write to thank me for advising them new address - guess capquest did that!
9//12 my advisor at cabot writes introducing himself and that they are apparently going to have to start litigation
11/1/12 Capquest write they were not aware of dispute so they have referred back to capt 1 and closed the account on their system..funnily enough not signed by my advisor!!!!
7/4/12 letter from Fredrickson International who have been instructed to collect the debt! Maybe Capt 1 think that if they try enough collection agencies we will forget they havent sent thru prescribed terms yet...lol
11/4/12 Fredrickson "letter before acvtion" recd
21/4/12 Bryan Carter letter recd threatening action

Shall I reply to Fredrikson or to solicitors? also which template would be best?

[clearingthepas]

Re: Clearingthepast UE Diary

thanks for this evenlessdopey - feel much clamer now! (glass of wine has helped too!)

This one with Lloyds is £941 but was only £480 before all the charges were applied and for the 4 years we paid thru DMP they only had £2 a month.. any suggestions on on what sort of amt to offer?

[MrsD]

Re: Clearingthepast UE Diary

just for starters, solicitors don't issue CCJs, the would have to take you to court and the court would then go through the procedure and the judge would decide whether or not to give you a ccj, you would of course have a opportunity to defend if you chose. These DCAs drive me mad with the way the toss CCJs around like they have the power, they don't.
So if this went to a CCJ do you have a defence and is it worth fighting or is it better to try to pay them off?

personally if you haven't heard from any of the others, I'd try and pay off this one, with a suitably enticing F&F, how much is this one? I'd sit on the rest of the money until you felt the time had come to F&F the others, its a game, you have to F&F when it suits you to get them off your back BUT pay the least amount of money possible to the shysters.

[clearingthepas]

Re: Clearingthepast UE Diary - Help with solicitors letter

Hi - would appreciate any help/advice on this please..

have a solicitors letter from gpd solicitors re Lloyds 4 account in diary. this is old current account. Been given 7 days to pay or they will be issuing a CCJ.

All 4 of the old Lloyds accounts are not covered in same way with the CCA as the other cards and loans so UE was always going to be more tricky....

Now in bizarre position as relative has offered us £3800 to pay off just these 4 accounts. Have read all templates and info on the site so know how to work the formula out of what to offer etc. I am guessing that now would be a good time to do offer letter but do i do it to iqor or do I do it to the solicitors?

Also the account Lloyds 1 (the former business account) we havent as yet had any letters about so dont really want to be making an offer no matter how small to a "sleeping dog!"

Any thought on the way to play this would be great!