Alland UE Diary

[alland]

Re: Alland UE Diary

Update 11/07/11

Update 07/05/11

On Tuesday I received two letters from Allied International Credit Glasgow.
Each letter Informing me that they had been assigned to recover my outstanding debts on two of my MBNA cards. (i have three cards with MBNA in total)

I sent off two separate letters "Account in Dispute with original Lender"
for each of the two accounts.

Obviously they must have received my letters yesterday, because today (Thursday) I have received a envelope back containing the two letters I sent yesterday and a compliment slip, hand written on the slip was......"Thank you for your letters, but please deal direct with MBNA on this matter, we have closed our files on these accounts.
Wow, never been dropped that quick by a DCA before !...must be the power of Niddy's letter templates, it's getting them rattled.....

A bit of a result to savour for the moment, although no doubt the accounts will now get passed to another set of to begin the merry go round of letters again, but hey, who's complaining...certainly not me !

The way I look at it is, the longer it goes on, and more DCA's pass the accounts back due to obviously "dodgy" CCA's, then the stronger my position becomes.....Hopefully !

Well it didn't take as long as I thought for MBNA to re-assign these two accounts to another set of

This time they have been passed to Fredrickson International who have sent me two letters of assignment today, and the usual "pay up or else" in regard of each account.

I will fire off template letters of "Accounts in Dispute". Never dealt with this outfit before, so we will see how dogged this lot are at trying to wear me down....

As an aside, I have three accounts with MBNA, but they only seem interested in chasing these two, heard nothing in respect of the third account for months But I won't be reminding them about it any time soon...

[MustGetStraigh]

Re: Alland UE Diary

Update 11/07/11





Well it didn't take as long as I thought for MBNA to re-assign these two accounts to another set of

This time they have been passed to Fredrickson International who have sent me two letters of assignment today, and the usual "pay up or else" in regard of each account.

I will fire off template letters of "Accounts in Dispute". Never dealt with this outfit before, so we will see how dogged this lot are at trying to wear me down....

As an aside, I have three accounts with MBNA, but they only seem interested in chasing these two, heard nothing in respect of the third account for months But I won't be reminding them about it any time soon...

Frederickson are just the same as the other muppets , I've had them on a couple of debts and if you keep firing the letters they roll over and give up. They like telephoning though, be warned!!

[5corpio]

Re: Alland UE Diary

aren't they ALL 'Muppets'

[MustGetStraigh]

Re: Alland UE Diary

aren't they ALL 'Muppets'

Yes! And some moreso than others

[alland]

Re: Alland UE Diary

Frederickson are just the same as the other muppets , I've had them on a couple of debts and if you keep firing the letters they roll over and give up. They like telephoning though, be warned!!

Thanks for the info MGS, The telephone is not a problem, I am luckier than most in that respect, non of my creditors have a home contact number for me, I changed my number before I started my UE journey.

One or two had my works number but I have not had any calls at work for months since I started to tell anyone that phoned that alland had "run away" and did not work there anymore, so please remove the number from their records.

[MustGetStraigh]

Re: Alland UE Diary

One or two had my works number but I have not had any calls at work for months since I started to tell anyone that phoned that alland had "run away" and did not work there anymore, so please remove the number from their records.

Oooh crafty! Like it

Looking back, Fredericksons caved in pretty quickly when they were handling my Crap One account. Some other muppet (Moorcroft I think) has it now. Good luck!

[Never-In-Doubt]

Re: Alland UE Diary

Allan, don't worry mate - you're in control here - keep us updated yea!

[alland]

Re: Alland UE Diary

Update 17/07/11

Update 03/07/11
The only new DCA on the scene that I have not previously had any communication from is Cabot Financial, who tell me they have bought my "Opus Credit card Account”. As I have never had an Opus credit card, I suspect this is something to do with CC Asset Management Ltd. as Opus is a trademark of theirs.

And Bank of Scotland, under licence used the trading name of CC Asset management, to buy the Citi Financial Cards accounts earlier this year, and I do have an account with Citi cards.

So I will write back and tell them I have never had a Opus Credit card issued by the Bank of Scotland, and see what they come up with, which will probably be... Ah, well you see it is actually your Citi card account, but we call it your Opus card now....

Well it didn't take Cabot long to respond to my reply denying having ever had a Opus card...as I suspected of course it is a new name for my old Citi card which Citi sold to Opus (BoS). however they have obviously thought better of keeping hold of the account and sold the debt straight on to Cabot Financial.

So the content of the letter confirms that they have bought the account off Opus and states the following-

Opus has advised us that your account was opened as a Citi Financial credit card in August 1999 at your current address (no it didn't because I wasn't at my current address in 1999) and was active for eleven years before defaulting on the ** August 2010. Cabot Financial purchased your account from Opus on the ** April 2011 and is now the legal owner. We can advise you that Opus received payments while the account was active and final payment received was £1.00 on the ** March 2010. (This was £1.00 sent with my CCA request)

It is important you contact us as matter of urgency in order to discuss your payment arrangements. Your balance currently outstanding is £16,658.22 ( )

We trust this clarifies the matter.

So I suppose I will begin correspondence with the "account sold while in dispute" template, and see where they go from there.

[MustGetStraigh]

Re: Alland UE Diary

Do you think the point about "We can advise you that Opus received payments while the account was active and final payment received was £1.00", is them trying to extend the statute barred time? If so, crafty beggars.

[alland]

Re: Alland UE Diary

Do you think the point about "We can advise you that Opus received payments while the account was active and final payment received was £1.00", is them trying to extend the statute barred time? If so, crafty beggars.

Well MGS, who knows how these think !

At this stage I suppose they have just checked back on the information data that they received when they bought the debt.

Obvously even though in my CCA request letter to Citi cards last year, I stated that the £1.00 must not be used for any other purpose but to meet the statutory fee for supplying my CCA, Citi took no notice of this request and levied the payment to my card account.

[caspar]

Re: Alland UE Diary

Alland - you need to get this payment removed from the account, otherwise it will indeed count as a payment and restart the clock for SB purposes. I suggest you send the following letter Unenforceability Templates - Section 1
adapted to include a bit about their incorrectly cashing your payment. DO NOT send another £1.00, insist they put in writing they have refund the £1.00 CCA fee from your account (don't accept refunded the £1.00 payment to your account - they're sneaky buggers!) and adjusted the balance to reflect this accordingly.

[MustGetStraigh]

Re: Alland UE Diary

Well MGS, who knows how these think !

At this stage I suppose they have just checked back on the information data that they received when they bought the debt.

Obvously even though in my CCA request letter to Citi cards last year, I stated that the £1.00 must not be used for any other purpose but to meet the statutory fee for supplying my CCA, Citi took no notice of this request and levied the payment to my card account.

Ooooh, gits!

[MrsD]

Re: Alland UE Diary

gits, but its only a couple of months, in the great scheme of things do you want to give yourself the hassle??

[alland]

Re: Alland UE Diary

Thanks Caspar, I understand what you are saying re the £1.00.

But has Mrs D points out we are only talking a couple of months between the payment and the default notice, so I don't think I wil bother pressing them to much about it, unless of course they try to extract another £1.00 to supply me with a set of current terms & conditions, which is all Citi Cards sent in response to my CCA request last year. Then I will point out the mistake Citi made with my original fee.

[Never-In-Doubt]

Re: Alland UE Diary

Update 17/07/11

We can advise you that Opus received payments while the account was active and final payment received was £1.00 on the ** March 2010. (This was £1.00 sent with my CCA request)

It is important you contact us as matter of urgency in order to discuss your payment arrangements. Your balance currently outstanding is £16,658.22 ( )

We trust this clarifies the matter.

So I suppose I will begin correspondence with the "account sold while in dispute" template, and see where they go from there.

No mate, send nothing. Can you clarify, have you ever received a copy of the CCA Request? if not they are in default and so you do not have to respond.... I presume you kept a copy of the cheque and the CCA Request plus recorded delivery receipt? if so - awesome!