Alland UE Diary

[Deepie]

Re: Alland UE Diary

Update 05-05-12

As my diary was way down on page 5, I thought I would do a bit of an update to bring it back up again. After working overseas for 5 weeks it was a pleasant surprise to come home to find very few letters from the DCA's.
Just a couple that need addrssing...

Capitol One Card (UE)
Balance £4,202Last Paid April 2010
Defaulted August 2010
Account passed around a couple of DCA's, but now owned by Cabot

9th December 2011- Another letter received from Cabot insisting the Capitol One credit application form and T&C are fully compliant and the account is enforcable, so this matter cannot continue to go on, I must contact one of their helpful customer advisers to discuss the options for repayment of this debt !
3rd April 2012 - Letter from Cabot,insisting once again that they have fully complied with my s77/78 request by providing the correct documentation.
I responded and advised them that an application form that does not encompass all the T&C is not a compliant CCA, so I still consider the account in dispute.
16th April 2012 Letter from Cabot stating "Last chance to agree a suitable repayment plan before we move your account to our Pre Litigation Dept"
2 May 2012 Letter from Cabot - " You account has now been escalated to our Pre Litigation Dept. If we don't hear from you, we will make a decision on what the next stage of recovery to pursue, this could be County Court Judgment, Charging order on your property, attachment of earnings order, Order to Obtain Information - you may have to attend court to be questioned under oath by a court officer..
Alternatively we may instruct an External Debt Collection Agency or Legal Agency to call on you"

Judging by the rapid response by Cabot in replying to my letters, it looks like they are digging their heels in on this one and moving fast through each stage, so not sure what my next move will be yet....

-----> Threat by Creditor - Threat-o-Gram Letter Before Action

[swanfan]

Re: Alland UE Diary

Order to Obtain Information - you may have to attend court to be questioned under oath by a court officer..

These DCAs really do come out with some bollocks sometimes!

[alland]

Re: Alland UE Diary

Update 05-05-12

RBS Visa card
Balance £6,560
Last paid May 2010
Defaulted August 2010
Passed around a few DCA's now currently with Wescot (and possibly still with Moorcroft)

19th December 2011 -Letter from Moorcroft, stating that in reply to my recent correspondence regarding my dispute, RBS have advised them that they have fully complied with my S78 request and do not consider the to be any dispute regarding the account. Moorcroft have kindly put the account on hold for 14 days to give me time to contact their call centre to discuss repayment options. Failure to make contact within the specified time will cause collection activity to recommence ! -

23 March 2012 Letter from Moorcroft - We are disappointed to note despite numerous attempts to resolve this matter, you have not made any satisafactory aggreement to pay the outstanding balance. However in one last attempt to possibly avoid court action, we have been advised by our client that we may offer you a discounted settlement offer. Please contact us immediately to discuss the discount.
Ignored

26 March 2012 - Letter from Moorcroft " We write to confirm we require a monthly repayment proposal you can afford and maintain, to enable us to assist you further, please call us immediately". Responded with "account still in dispute" template again.

28 April 2012 - Letter from Wescot "We have been instructed by our client to collect the outstanding balance on the above RBS account.
Contact us immediately to avoid further recovery action".

Well looks like RBS have given up on Moorcroft getting through my wicket, so have put Wescot on the case. I will send off the "Account in Dispute" template and start the whole procedure again.

[alland]

Re: Alland UE Diary

Update 05-05-12

BS Mint Card (UE)
Balance £7,058
Last Paid June 2010
Defaulted September 2010
Passed around various DCA's

29th November 2010 -Letter from Wescot once again stating that RBS have fully complied with my S78 request, and therefore there is no dispute, so I must contact them to arrange a suitable repayment plan.
This was followed up on the 14th December 2010 with a letter from Nelson Guest & Partners (Wescots pet solicitors) advising me to contact Wescot to discuss a repayment plan as there is “still time” to act to avoid further action taking place.

Various letters from Wescot during 2011, which I responded with- whatever they say, I consider the account to be in dispute until RBS Mint comply with my s78 request with proper documentation.

24 Feb 2012 - Letter from Wescot stating that their client has fully complied with my s78 CCA request, and this is a final response to the dispute. The account will now be returned to collection status.
Ignored

11 March 2012 - Letter from Nelson Guest & Partners Solicitors, Unless payment is made within 7 days, legal proceedings may commence without further notice.
I Reponded with Threat of legal action template

23 March 2012 - Letter from Wescot, Your complaint is being investigated, we will suspend collection activity whils it is being investigated.

27 March 2012 -letter from Wescot, we have been advised by our client that they have complied with your CCA request on 23 July 2010.
We now consider the dispute resolved and unless full balance is received or a monthly plan put in place we will recommence collection activity.
I again responded that I dispute RBS Mint claim that they have fully complied with my CCA request, so will not be entering into a payment plan.

16 April 2012 - Letter from Regal Credit Consultants, "Our client RBS has instructed us tp collect the outstanding amount on this account in full to avoid any further recovery action being taken, we do appreciate you may be experiencing financial hardship, in which case we will be able to dicuss a repayment plan that reflects your circumstances. It is your own interest to contact us to discuss the matter, if we do not hear form you we will be instructing our field collectors (Scotcall) to visit you to discuss this matter in person."
I have responded with "Account in Dispute" template.

So I don't actually know who is mainly chasing this one now, still with Wescot?, or now with Regal?, maybe with both to try and put extra pressure on me.

[ScabHunter]

Re: Alland UE Diary

From the Office of Faffing and Twaddling -

The OFT has seen a number of standard letters issued by DCAs which contain inaccuracies and omissions in their description of the debt recovery procedure and the legal process and which fail to mention that steps are required before enforcement action can be taken. For example:

> letters which set out the potential enforcement actions following non payment of a County Court Judgment (e.g. bailiffs seizing goods, employers deducting money from wages) without indicating that a further application to the court is required before enforcement action can be taken (i.e. to obtain a warrant of execution, attachment of earnings, charging order etc); or

> letters referring to bankruptcy and charging orders where it is not clear that a staged process is involved.

Sending such letters, would in the OFT‟s view, potentially be an unfair or oppressive business practice in breach of paragraphs 2.2b, 2.4b and/or 2.6g of the DCG

Although the OFT does not expect to see every stage of the process set out in letters of this type, a correct indication of the stages before enforcement action can be taken should be provided to prevent letters from being misleading, potentially exploiting debtors' lack of knowledge and being perceived by recipients as threatening.

I think it is pretty clear that Crappy Bot's letter is a classic example of what is mentioned here -

" You account has now been escalated to our Pre Litigation Dept. If we don't hear from you, we will make a decision on what the next stage of recovery to pursue, this could be County Court Judgment, Charging order on your property, attachment of earnings order, Order to Obtain Information - you may have to attend court to be questioned under oath by a court officer..

Alternatively we may instruct an External Debt Collection Agency or Legal Agency to call on you"

So Crapbot think that charging orders and attachment of earnings can be the NEXT STAGE of their intended recovery process? They don't feel that they need to actually secure a judgment first?

The OFT are perfectly aware of the drivel which Crapbot spout as they have been made aware of it on many occasions. The fact that they have done absolutely nothing is perfect testimony to their indolence and utter superfluousness.

I also used to receive letters from Crapbot threatening to put charging orders on my property. Mind you, I did own several houses and hotels at the time.

They were little plastic ones in a Monopoly box. Even that has been given to charity now.

SH

[helmsman]

Re: Alland UE Diary

Update 05-05-12

As my diary was way down on page 5, I thought I would do a bit of an update to bring it back up again. After working overseas for 5 weeks it was a pleasant surprise to come home to find very few letters from the DCA's.
Just a couple that need addrssing...

Capitol One Card (UE)
Balance £4,202Last Paid April 2010
Defaulted August 2010
Account passed around a couple of DCA's, but now owned by Cabot

9th December 2011- Another letter received from Cabot insisting the Capitol One credit application form and T&C are fully compliant and the account is enforcable, so this matter cannot continue to go on, I must contact one of their helpful customer advisers to discuss the options for repayment of this debt !
3rd April 2012 - Letter from Cabot,insisting once again that they have fully complied with my s77/78 request by providing the correct documentation.
I responded and advised them that an application form that does not encompass all the T&C is not a compliant CCA, so I still consider the account in dispute.
16th April 2012 Letter from Cabot stating "Last chance to agree a suitable repayment plan before we move your account to our Pre Litigation Dept"
2 May 2012 Letter from Cabot - " You account has now been escalated to our Pre Litigation Dept. If we don't hear from you, we will make a decision on what the next stage of recovery to pursue, this could be County Court Judgment, Charging order on your property, attachment of earnings order, Order to Obtain Information - you may have to attend court to be questioned under oath by a court officer..
Alternatively we may instruct an External Debt Collection Agency or Legal Agency to call on you"

Judging by the rapid response by Cabot in replying to my letters, it looks like they are digging their heels in on this one and moving fast through each stage, so not sure what my next move will be yet....

Hi,
Exactly the same letter as I have received, they have been very persistant to me as well answering letters within a couple of days
It has been a week since last contact so another threat I am expecting.
Good Luck

[alland]

Re: Alland UE Diary

Update 16-05-12
Barclaycard Mastercard (UE)
Balance £6469.00
Last Paid March 2010

Update 17-01-12
Letter received dated 3rd January 2012, having not heard anything from MKRR since October 2011 when Barclaycard passed the account to them.

"Regardless of our attempts to contact you, we still have not received your offer of payment (no because I have not made one) Please contact us to help us reach a solution to the outstanding balance.
Our team is waiting to discuss this outstanding balance and how it can be reduced. We want to help you. Until you contact us we are unable to offer any assistance and may need to take further action to resolve this.

16-05-12 Letter received from MKRR - As you have not taken up our offer to help,your account is now with our pre-legal dept.
This has left us with no option but to transfer your account to *Raven Recoveries to resolve this on our behalf. This may involve applying to the courts for a County Court Judgment which will enable us to commence with one or more of the following steps.
* Instruct a bailiff to remove goods from your property.
* Obtain a charge against your property.
* Deduct monies directly from your salary through your employer (erm, I am my employer )
* Obtain monies directly from your bank account ( What!, not had this threat before )
* Request you attend court for an examination of your financial means.

*Not had any previous dealings with Raven Recoveries, so will wait to hear from them before deciding on my next move.

[Deepie]

Re: Alland UE Diary

Update 16-05-12
Barclaycard Mastercard (UE)
Balance £6469.00
Last Paid March 2010



16-05-12 Letter received from MKRR - As you have not taken up our offer to help,your account is now with our pre-legal dept.
This has left us with no option but to transfer your account to *Raven Recoveries to resolve this on our behalf. This may involve applying to the courts for a County Court Judgment which will enable us to commence with one or more of the following steps.
* Instruct a bailiff to remove goods from your property.
* Obtain a charge against your property.
* Deduct monies directly from your salary through your employer (erm, I am my employer )
* Obtain monies directly from your bank account ( What!, not had this threat before )
* Request you attend court for an examination of your financial means.

*Not had any previous dealings with Raven Recoveries, so will wait to hear from them before deciding on my next move.

I Would send this to MKRR just to keep them in the loop----> Threat by Creditor - Threat-o-Gram Letter Before Action but thats me

[diddlydee]

Re: Alland UE Diary

They might be referring offsetting, Alland, whereby if you have a bank account with the same company as the creditor, they can dip into your account..... but not an option if you don't bank with Barclays

[alland]

Re: Alland UE Diary

Thanks I2D, good idea, I will do that in the morning.

Diddles, yes maybe that is what they mean by planning a "raid" on my bank account, but I have had no bank accounts or dealings past or present with Barclay's or any of their accociated companies, well apart from the two Barclaycard card accounts, which they inherited about three years ago when they bought out accounts from other card companies who I originally had the accounts with.

[alland]

Re: Alland UE Diary

Update 09-08-12
Been very quiet of late, found my diary way down on page 5 !

Barclaycard Mastercard (UE)
Balance £6469.00
Last Paid March 2010

Letter from MKRR October 2011
[Quote}
"Regardless of our attempts to contact you, we still have not received your offer of payment (no because I have not made one) Please contact us to help us reach a solution to the outstanding balance.
Our team is waiting to discuss this outstanding balance and how it can be reduced. We want to help you. Until you contact us we are unable to offer any assistance and may need to take further action to resolve this.

16-05-12 Letter received from MKRR - As you have not taken up our offer to help,your account is now with our pre-legal dept.
This has left us with no option but to transfer your account to *Raven Recoveries to resolve this on our behalf. This may involve applying to the courts for a County Court Judgment which will enable us to commence with one or more of the following steps.
* Instruct a bailiff to remove goods from your property.
* Obtain a charge against your property.
* Deduct monies directly from your salary through your employer (erm, I am my employer )
* Obtain monies directly from your bank account ( What!, not had this threat before )
* Request you attend court for an examination of your financial means.

*Not had any previous dealings with Raven Recoveries, so will wait to hear from them before deciding on my next move.

Letter received dated 2nd August from MKDP LLP to notify me that they have bought the interest in the Barclycard account including the outstanding balance, which is now due under this account.
This was followed up on the by a letter from Barlcycard also dated 2nd August confirming that MKDP LLP are now the sole owners of the account, and all monies due on the account must be paid directly to MKDP.

I have never had a CCA from Barclycard in respect of this account, and it has gone back & forth with a number of DCA's since my CCA request in 2010.

So now I will begin the usual correspondence paper trial with the new owners. Starting with the "Account sold while in dispute" template letter.

[5corpio]

Re: Alland UE Diary

I received a while back from them too - But no further 'News' from them at all.......actually 'None' so just waiting for them to send a response first if it was me rather than chase them with a 'sold whilst in dispute' (Just delays time for nearer Statue Barred)

[alland]

Re: Alland UE Diary

Yes I agree 5corpio, I will await their first response before opening any dialogue with them.

[5corpio]

Re: Alland UE Diary

Yes I agree 5corpio, I will await their first response before opening any dialogue with them.

I found it on UE Diary - Linky: allaboutFORUMS - View Single Post - 5corpio UE Diary

21st July 2011 was last correspondence telling me that it was sold to MKDP = So in theory over 1 year later still no response (apart from Barclaycard themselves sending a letter as below)

Then in Nov 2011, Barclaycard then sends a letter to say that they can't find agreement..........wonders if MKDP is actually Barclaycard somewhere along the line of hidden company names?

Assuming that your account is UE?

[MrsD]

Re: Alland UE Diary

mmm Mr D got the same for his this morning, methinks we'll play the waiting game as well, we'll have a mass wait-in.........................