Alland UE Diary

[Deepie]

Re: Alland UE Diary

Update 02-11-11

Citi Financial / Opus card







No niddy, they have never sent me a copy of a signed agreement, Cabot in their letter you will see it actually says they are requesting it from Opus

You will be waiting a long time....... there still looking for mine

[alland]

Re: Alland UE Diary

Update 02-11-11

Citi Financial / Opus card

Formally Citi Finanacial Card ( UK Citi cards taken over by Opus earlier this year) UE
This looks like it may start to get heavy, Opus have sold my account to Cabot. As this account is a biggy (£16K outstanding with the interest that was added on), they are not likely to let this one go on too long.

They have sent me three letters in the time I have been away, last one state’s that they have checked with Opus, and they confirm I received all copies of my CCA from Citi Financial to satisfy my request under s. 78 CCA (1974) Therefore unless I make arrangements to begin a repayment programme, they will order their collections dept. to commence proceedings within 14 days.

I may have to start negotiations for a reasonable repayment programme or an affordable F&F if it looks like getting to the court steps !

If I wasn't as busy I'd reply point by point to this, cheeky beggars lying to you like they are..... leave this with me, I may get bored through the week and do a reply for Jo Edwards of Cabot for you.....

Can you confirm though, they say they send a signed copy of the agreement but you never sent that to me...?

No niddy, they have never sent me a copy of a signed agreement, Cabot in their letter you will see it actually says they are requesting it from Opus

[alland]

Re: Alland UE Diary

Update 02-11-11
Capitol One Card

Capitol One card - UE
Cabot are now the owners of my Capitol One account, when they informed me of the purchase I wrote back with the usual account sold while in dispute, I have received a letter back saying the account is on hold pending more investigation. So will sit on this and see what their next move is.

This is unenforceable right? Please clarify.....

Yes Niddy, previously deemed UE.

As you have seen in the Cabots latest letter that I sent over to you, they insist the application form meets their s78 CCA obligation.

So I have responded with the template letter CCA Query - T&C supplied

[Never-In-Doubt]

Re: Alland UE Diary

Formally Citi Finanacial Card ( UK Citi cards taken over by Opus earlier this year) UE
This looks like it may start to get heavy, Opus have sold my account to Cabot. As this account is a biggy (£16K outstanding with the interest that was added on), they are not likely to let this one go on too long.

They have sent me three letters in the time I have been away, last one state’s that they have checked with Opus, and they confirm I received all copies of my CCA from Citi Financial to satisfy my request under s. 78 CCA (1974) Therefore unless I make arrangements to begin a repayment programme, they will order their collections dept. to commence proceedings within 14 days.

I may have to start negotiations for a reasonable repayment programme or an affordable F&F if it looks like getting to the court steps !

If I wasn't as busy I'd reply point by point to this, cheeky beggars lying to you like they are..... leave this with me, I may get bored through the week and do a reply for Jo Edwards of Cabot for you.....

Can you confirm though, they say they send a signed copy of the agreement but you never sent that to me...?

[Never-In-Doubt]

Re: Alland UE Diary

Hello again folks, Well after working overseas for the past 5 weeks, I came home to 27 letters !, as it turned out only 14 were from DCA's, and some of those are from the same creditors, mostly just the usual follow up scare tactic reminders to inform me that I really must pay the accounts ! so not all of the letters need any response right now.

27? I had more than that when I came back from Cuba and none were from DCA's - beat that! Shocking the amount of junk mail you actually get!

Below is a sample of the letters that I will be keeping an eye on.

Sorry if it is a little untidy as I am not listing them out on individual account per post, but I'm tired, so I think you will get the general idea of how things are standing, and how I will be responding to the demands.

I'm tired as well, and it's easier if things are posted individually mate - just for next time please?

------------------------------------------------------------------------

Barclaycard Mastercard - UE
Letter received
Quote“I am writing to inform you that the above account was assigned and transferred by Barclaycard to MKDP LLP on the 21st September 2011.
Quote “ This means that the effective owners of the above account are now MKDP LLP.
MKDP LLP has appointed MKRR as their servicing agent to manage your account on their behalf. The enclosed letter provides all details of how to contact MKRR. All contact regarding the above account should now be directed to MKRR” Unquote

MKDP LLP ? MKRR ?.. All these Initials mean nothing to me, so not planning to respond to this until I hear something back from the new “owners”

agreed, see what happens with this for now!
------------------------------------------------------------------------

Capitol One card - UE
Cabot are now the owners of my Capitol One account, when they informed me of the purchase I wrote back with the usual account sold while in dispute, I have received a letter back saying the account is on hold pending more investigation. So will sit on this and see what their next move is.

This is unenforceable right? Please clarify.....
------------------------------------------------------------------------

Formally Citi Finanacial Card ( UK Citi cards taken over by Opus earlier this year) UE
This looks like it may start to get heavy, Opus have sold my account to Cabot. As this account is a biggy (£16K outstanding with the interest that was added on), they are not likely to let this one go on too long.

They have sent me three letters in the time I have been away, last one state’s that they have checked with Opus, and they confirm I received all copies of my CCA from Citi Financial to satisfy my request under s. 78 CCA (1974) Therefore unless I make arrangements to begin a repayment programme, they will order their collections dept. to commence proceedings within 14 days.

I may have to start negotiations for a reasonable repayment programme or an affordable F&F if it looks like getting to the court steps !

Isn't this unenforceable mate? I'm sorry but their letter is horseshit - I do not care if they say it fulfils s.78 - sending some random terms that you've never seen before in your life does NOT satisfy Carey v HSBC as they try and make out.....

If they try and get heavy we'll respond with some Paul treatment eh? He loves fighting Cabot

-------------------------------------------------------------------------

Co-operative Bank Card – UE
Three letters received from three different DCA’s on this account demanding that I pay them or contact them to arrange a repayment plan with them.
Wescot
Moorcroft
ScotCall
Never had three DCA’s on the go at the same time from one creditor before, so I may write back to all three of them, and ask them to send me a essay in not more than 100 words entitled;
“Why you should consider us to be the DCA you enter into correspondence with regard to your Co-operative card account” ....

Ermm, ignore this......

-------------------------------------------------------------------------

RBS Mint Card –UE
Letter from Moorcroft, Quote “ Our latest enquiries have now confirmed that you still reside at this address, (well of course I do, I have never said I didn’t !)
Unless you contact us to arrange repayment within the next 10 days, further collection activity will be taken to recover the FULL outstanding balance.

This may include:
*Either us or our client taking legal action against you, this will increase the amount you owe !
* Referring your debt to a door stop collection agency to visit your home” unquote
--------------------------------------------------------------------------

Ignore this for moment......

see comments in red mate!

[alland]

Re: Alland UE Diary

Someone with an avatar as angelic as that could never jinx you...............

Unless in real life, they're

I'll let you know......

[BBoo]

Re: Alland UE Diary

Someone with an avatar as angelic as that could never jinx you...............

Unless in real life, they're

[Pixie]

Re: Alland UE Diary

Hey, I hope you have not jinxed me by mentioning the "dreaded" Northampton word in my diary...

Sorry

[alland]

Re: Alland UE Diary

I don't think 14 dca letters in 5 weeks is too bad. At least there wasn't one from Northampton...

I know Pixie, I was surprised there wasn't more fan mail waiting for me, when I started this journey a little more than a year ago, I was getting more like 14 letters a WEEK ....

Hey, I hope you have not jinxed me by mentioning the "dreaded" Northampton word in my diary...

[Oct Revolution]

Re: Alland UE Diary

Hi Alland,

I have MKDP LLP writing to me for both of my Barclaycard accs and nothing to shout about as yet. Both accs are on hold while they liaise with Barclaycard.

(accs 5 and 6 on my diary)

best regards

[BBoo]

Re: Alland UE Diary

MKDP and MKRR have proved USEL ESS with me, so best ignored for now. I'm impressed you had so few!

[Pixie]

Re: Alland UE Diary

I don't think 14 dca letters in 5 weeks is too bad. At least there wasn't one from Northampton...

DCA - does this stand for donut-chewing ape?

[diddlydee]

Re: Alland UE Diary

Good to see you still have your sense of humour despite being buried in letters!

It is scary that Moorcroft know where we all live, isn't it. Does the fact that I add my address
to every letter I send give this "secret" away? Donuts!

[alland]

Re: Alland UE Diary

Hello again folks, Well after working overseas for the past 5 weeks, I came home to 27 letters !, as it turned out only 14 were from DCA's, and some of those are from the same creditors, mostly just the usual follow up scare tactic reminders to inform me that I really must pay the accounts ! so not all of the letters need any response right now.

Below is a sample of the letters that I will be keeping an eye on.

Sorry if it is a little untidy as I am not listing them out on individual account per post, but I'm tired, so I think you will get the general idea of how things are standing, and how I will be responding to the demands.

Barclaycard Mastercard - UE
Letter received
Quote“I am writing to inform you that the above account was assigned and transferred by Barclaycard to MKDP LLP on the 21st September 2011.
Quote “ This means that the effective owners of the above account are now MKDP LLP.
MKDP LLP has appointed MKRR as their servicing agent to manage your account on their behalf. The enclosed letter provides all details of how to contact MKRR. All contact regarding the above account should now be directed to MKRR” Unquote

MKDP LLP ? MKRR ?.. All these Initials mean nothing to me, so not planning to respond to this until I hear something back from the new “owners”
------------------------------------------------------------------------
Capitol One card - UE
Cabot are now the owners of my Capitol One account, when they informed me of the purchase I wrote back with the usual account sold while in dispute, I have received a letter back saying the account is on hold pending more investigation. So will sit on this and see what their next move is.
------------------------------------------------------------------------
Formally Citi Finanacial Card ( UK Citi cards taken over by Opus earlier this year) UE
This looks like it may start to get heavy, Opus have sold my account to Cabot. As this account is a biggy (£16K outstanding with the interest that was added on), they are not likely to let this one go on too long.

They have sent me three letters in the time I have been away, last one state’s that they have checked with Opus, and they confirm I received all copies of my CCA from Citi Financial to satisfy my request under s. 78 CCA (1974) Therefore unless I make arrangements to begin a repayment programme, they will order their collections dept. to commence proceedings within 14 days.

I may have to start negotiations for a reasonable repayment programme or an affordable F&F if it looks like getting to the court steps !

-------------------------------------------------------------------------
Co-operative Bank Card – UE
Three letters received from three different DCA’s on this account demanding that I pay them or contact them to arrange a repayment plan with them.
Wescot
Moorcroft
ScotCall
Never had three DCA’s on the go at the same time from one creditor before, so I may write back to all three of them, and ask them to send me a essay in not more than 100 words entitled;
“Why you should consider us to be the DCA you enter into correspondence with regard to your Co-operative card account” ....

-------------------------------------------------------------------------

RBS Mint Card –UE
Letter from Moorcroft, Quote “ Our latest enquiries have now confirmed that you still reside at this address, (well of course I do, I have never said I didn’t !)
Unless you contact us to arrange repayment within the next 10 days, further collection activity will be taken to recover the FULL outstanding balance.

This may include:
*Either us or our client taking legal action against you, this will increase the amount you owe !
* Referring your debt to a door stop collection agency to visit your home” unquote
--------------------------------------------------------------------------

[alland]

Re: Alland UE Diary

You home already?

No, you're quite safe mate - dinnae worry - I know about this, it's fine!

Cheers Niddy,

No not home, still got another couple of weeks to go yet,
I picked up this Egg card notice from Barclaycard via my emails.......

But just what will be waiting in the post for me when I get home after 5 weeks away is another matter....