Alland UE Diary

[Never-In-Doubt]

Re: Alland UE Diary

Update 16/12/10

Barclaycard Mastercard (Morgan Stanley)

Since first applying for my CCA in May, Barclaycard have now obtained a copy of my CCA from the original account owner - Morgan Stanley.

CCA emailed to Niddy for review

This is unenforceable matey gh

Respond with the following: ---> viewtopic.php?p=1629#p1629

[Deepie]

Re: Alland UE Diary

alland wrote:
Ok Quick diary update 28/11/10

Monument Card

Letter from Monument stating - "As you have failed to meet the terms of the CCA, the account is terminated and the debt is now being sold to CompuCredit International Ventures ("CCIV") a part of the CompuCredit group. We have been informed that CCIV will be placing your account debt with Circuit Financial Solutions ("Circuit") for recovery. One of their agents will contact you shortly to arrange the collection of the outstanding amount".

Never heard of this lot before, But as I am going away in the next couple of days, I suppose I will have to wait until I return to see what they have planned for me

hi alland
monument yes.. they sold mine to the same :kermit iggy in oct 2008.did you get the 8am phone calls from monument every morning ? i did.. but since they sold it to compucredit you be fine you get the odd letter now and again

[alland]

Re: Alland UE Diary

Ok Quick diary update 28/11/10

Monument Card

Letter from Monument stating - [size=5]"As you have failed to meet the terms of the CCA, the account is terminated and the debt is now being sold to CompuCredit International Ventures ("CCIV") a part of the CompuCredit group. We have been informed that CCIV will be placing your account debt with Circuit Financial Solutions ("Circuit") for recovery. One of their agents will contact you shortly to arrange the collection of the outstanding amount".

Never heard of this lot before, But as I am going away in the next couple of days, I suppose I will have to wait until I return to see what they have planned for me

Update 20/12/10

First contact letter arrived today from Circuit Financial Solutions (Specialist Debt Collection Agency) part of CompuCredit UK Ltd. who now own the "Monument" debt. -
[size=5]" We are writing to you to collect the outstanding balance on this account, YOU need to pay the debt in FULL" contact us immedietely or Call our recovery agents on the phone number below, who MAY be in a position to offer you a monthly repayment plan"


Going to respond with "Account Sold While In Dispute"

[alland]

Re: Alland UE Diary

Mate you're not thinking of going BR are you? Are you.......?

Absolutely not mate, not unless all my creditors are planning to gang up together on me to try an force my hand!

I just making the comparison that I have to be realistic and accept that from all the ones I am fighting (Because lets face it with the number of creditors and overall amount we are talking about,I must be one of your premier league players.. :red ) there will be a few that I will probably have to enter into payment negotiations with at some stage in the future. And the only way to walk away from the lot of them would be BR, but that route would be a disaster for me, in my position with the business and home ect.

So we fight on.... rules....

[Never-In-Doubt]

Re: Alland UE Diary

Mate you're not thinking of going BR are you? Are you.......?

[alland]

Re: Alland UE Diary

Niddy, yes you are dead right, no use being to despondent if one or two eventually have me by the "goolies" so to say..
It would be naive and foolish of me If I thought I could wipe the lot out without going BR.

Lets face it the overall picture is looking a whole lot rosier for me than it was 6 months back...

and thanks Niddy mate

[Never-In-Doubt]

Re: Alland UE Diary

Cheers Slug, Yes I have just had a look at your diary, so I had better be ready for more word soon from Egg's legal bods I suppose ...

Good luck with your battle mate..

It's a risk mate but hey, if one or two get you - so long as the majority don't that is the main thing right?

[Never-In-Doubt]

Re: Alland UE Diary

Update 16/12/10

Egg Card

Letter from Collect Direct - Dispite numerous attemps to contact you (When ?) We remain without receipt of payment proposals towards settelment of the debt.
We are now considering instructing a local representitive to make attendance at your address to discuss your intentions towards our clients overdue balance.
If you wish to avoid this course of action you should contact this office within 5 days.

Not sure how to continue blagging this one for now? I suppose I will have to eventually roll over and agree a pay back package at some stage

Nah, don't roll over (yet) you send this back: ---> viewtopic.php?p=182#p182

[Never-In-Doubt]

Re: Alland UE Diary

Update 16/12/10

Lloyds TSB Card

Letter from MHA Collections - [size=5]We have been instructed by Lloyds TSB to recover the arrears of this account.
Pay immedietely or SCM Solicitors may commence legal proceedings.
If you with hold payment a judgment will be obtained against you. We urge you to give this matter your immediate attention.

Will respond with account in dispute letter ?

Send this to SCM: ---> viewtopic.php?p=2318#p2318

[Never-In-Doubt]

Re: Alland UE Diary

Update 16/12/10

Halifax Credit Card

Letter received from Wescot - "Our latest enquiries show you are still resident at this address (Why shouldn't I be I have been writing to you :teeth monthly from here?)

Unless you contact us within the next ten days collection activity will begin for recovery of the full amount.
Please do not ignore this letter or action may include legal action through the courts (I already have a letter from Halifax stating they are unable to enforce in court because they can't produce original CCA) Or we may refer your debt to a "Door Step Collection Agency" to carry out a collections visit at your home.

Not sure which template letter to respond with?

You photocopy the letter from HBOS confirming NO CCA and send it with this: ---> viewtopic.php?p=20195#p20195

[Never-In-Doubt]

Re: Alland UE Diary

MBNA Visa card
MBNA Sony Card
MBNA Alliance & Leicester M/card

I suppose all I should do now is sit it out and see what develops on these accounts.

Yep, don't do anything just now ;;L

[alland]

Re: Alland UE Diary

Update 16/12/10

Egg Card

Letter from Collect Direct - Dispite numerous attemps to contact you (When ?) We remain without receipt of payment proposals towards settelment of the debt.
We are now considering instructing a local representitive to make attendance at your address to discuss your intentions towards our clients overdue balance.
If you wish to avoid this course of action you should contact this office within 5 days.

Not sure how to continue blagging this one for now? I suppose I will have to eventually roll over and agree a pay back package at some stage

Yeah, see my update Alland - I've quite quickly got a solicitors letter after this one. :grumble

Cheers Slug, Yes I have just had a look at your diary, so I had better be ready for more word soon from Egg's legal bods I suppose ...

Good luck with your battle mate..

[SLUG]

Re: Alland UE Diary

Update 16/12/10

Egg Card

Letter from Collect Direct - Dispite numerous attemps to contact you (When ?) We remain without receipt of payment proposals towards settelment of the debt.
We are now considering instructing a local representitive to make attendance at your address to discuss your intentions towards our clients overdue balance.
If you wish to avoid this course of action you should contact this office within 5 days.

Not sure how to continue blagging this one for now? I suppose I will have to eventually roll over and agree a pay back package at some stage

Yeah, see my update Alland - I've quite quickly got a solicitors letter after this one. :grumble

[alland]

Re: Alland UE Diary

Update 16/12/10

Barclaycard Mastercard (Morgan Stanley)

Since first applying for my CCA in May, Barclaycard have now obtained a copy of my CCA from the original account owner - Morgan Stanley.

CCA emailed to Niddy for review

Also another Letter received from Barclaycard in reference to my other account with them (originally owned by Goldfish) stating that they have fully complied with my CCA request and they consider the agreement fully enforcable.

Also emailed this letter to Niddy for advice.

[alland]

Re: Alland UE Diary

Update 16/12/10

Egg Card

Letter from Collect Direct - Dispite numerous attemps to contact you (When ?) We remain without receipt of payment proposals towards settelment of the debt.
We are now considering instructing a local representitive to make attendance at your address to discuss your intentions towards our clients overdue balance.
If you wish to avoid this course of action you should contact this office within 5 days.

Not sure how to continue blagging this one for now? I suppose I will have to eventually roll over and agree a pay back package at some stage