Oct Revolution's UE Diary

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 3

Tesco Personal Finance

Activity:
06/10/10 - CCA Request sent
05/11/10 - CCA rec'd (e-mailed to NID for advice)
09/11/10 - NID syas :UE "T&C's rec'd" letter sent
16/11/10 - Letter rec'd from Tesco in reply to last: Stating "CCA is true copy; consider account not to be in dispute; will pursue for full payment; will not enter into further correspondence over alleged CCA breaches" - NID says bog standard letter to ignore.

08/01/11 -Letter rec'd from Tesco (dated 20/12/10) “as you have failed to respond to banks previous demands, we have no alternative but to commence further proceedings for recovery…….we urge you to call to resolve this matter……..failure to do so may result in account being passed to external DCA without further warning or delay”. Ignored last letter.

20/01/11 - Letter rec'd from TRITON "Tesco have placed your account with us for immediate collection.......to avoid further action forward cheque for full amount by return...or pay by credit card over the phone.....if unable to make payment call office immediately......" NID says send "account sold whilst in dispute of CCA request" letter.

21/01/11 - Above letter sent.
24/01/11 - Calls received daily from Triton - Ignoring/Not answering.
04/02/11 - Letter rec'd from Triton: “disappointed that you’ve failed to make payment or repayment proposals…..no alternative but to consider further action…may be appropriate to request a debt recovery agent call on you to discuss repayment…would prefer not to take this action so call to discuss outstanding balance”

10/02/11 - NID says send "harassment/doorstep visit" template. Letter sent.
12/02/11 - Letter rec'd from Triton: “..we remain disappointed you have failed to settle debt/make repayment proposals….we have now recommended to Tesco that solicitors be instructed to commence court proceedings which you would be liable for costs……" NID says send "Threat by Lender/DCA - To commence Litigation".

14/02/11 - Above letter sent.
19/02/11 - Letter from Tesco received in response to my “Threat o gram – to commence litigation” letter sent to Triton:“ we do not consider acc to be in dispute….have fully complied with CCA request….indebtedness remains due and payable and will pursue for full repayment….this is our final response…if dissatisfied with this final response you may refer concern to FOS…..” NID says their final response so ignore.

22/02/11 - letter rec'd from Tesco in response to my Threat o gram "doorstep visit" letter, in which they say "can not uphold my complaint as acc still remains unpaid and acc is enforceable". I will file and ignore and see what happens next.

Hi Niddy,

I have an update to above account.

01/03/11

Letter rec'd from Tesco (which is exactly the same one as I received on 08/01/11):

“as you have failed to respond to banks previous demands, we have no alternative but to commence further proceedings for recovery…….we urge you to call to resolve this matter……..failure to do so may result in account being passed to external DCA without further warning or delay”.

I ignored the letter I received back on 08/01/11 - do I do the same again with this one?

Many thanks,

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 2

Citibank (Collect Direct UK) - Account now with OPUS

Activity:
6/10/10 - CCA Request sent to Collect Direct DCA
6/11/10 - Letter from DCA asking me to contact OC direct for CCA
9/11/10 - "DCA declining CCA request" letter sent back to DCA
1/12/10 - Another letter from DCA asking me to contact OC direct for CCA. Will now send CCA request to OC (Citicard) as per NID's instructions.

14/12/10 - CCA request sent to OC (Citicard)
05/01/11 - Above letter not delivered yet; according to Royal Mail Track and Trace letter being re-directed !
06/01/11 - Letter from Collect Direct "payment arrangement revoked - must contact them within 5 days to arrange alternative or may advise client to take legal action". Ignored last letter.

14/01/11 - Letter from Collect Direct: "URGENT NOTICE. Must make a payment or contact them to discuss payment arrangement or will advise client to issue court proceedings.

17/01/11 - "Threat O Gram before court action" letter sent sent to Collect Direct.
19/01/11 - NID's says shouldn't have sent last letter - too late now as letter received - see what happens next.
19/01/11 - Nid says send CCA reminder to Citi.
20/01/11 - CCA reminder sent to Citi.
24/01/11 - Letter from H L Legal "we act on behalf of Collect Direct....pay in next 7 days or will recommend legal action.... a claim for associated cost and interest will be made......hope course of action can be avoided by contacting client to make arrangements to pay" - NID says ignore.

17/02/11 - Letter received today from Opus: “we are sorry you have reason to complain….we should be able to send you a full response within 8 weeks” Will file and see what happens next.

I also have an update to above account.

01/03/11

Opus have now sent my CCA - or what they say is.

The covering letter says: "true copy provided includes: copy of original T&C's.......current T&C's....and outstanding balance.....by providing these docs we have satisfied our obligations...."

All they have sent are 12 pages of original T&C's and 5 pages of current T&C's. I can e-mail them if you need to see them?

I assume I send CCA Query - Terms & Conditions Supplied

many thanks Niddy

[Never-In-Doubt]

Re: October Revolution's UE Diary

Hi Niddy,

I have an update to above account.

01/03/11

Letter rec'd from Tesco (which is exactly the same one as I received on 08/01/11):

“as you have failed to respond to banks previous demands, we have no alternative but to commence further proceedings for recovery…….we urge you to call to resolve this matter……..failure to do so may result in account being passed to external DCA without further warning or delay”.

I ignored the letter I received back on 08/01/11 - do I do the same again with this one?

Many thanks,

Send this: ---> Threat by Lender/D.C.A - To commence litigation

[Never-In-Doubt]

Re: October Revolution's UE Diary

I also have an update to above account.

01/03/11

Opus have now sent my CCA - or what they say is.

The covering letter says: "true copy provided includes: copy of original T&C's.......current T&C's....and outstanding balance.....by providing these docs we have satisfied our obligations...."

All they have sent are 12 pages of original T&C's and 5 pages of current T&C's. I can e-mail them if you need to see them?

I assume I send CCA Query - Terms & Conditions Supplied

many thanks Niddy

No need to see them, yes - I agree - send this: ---> CCA Query - Terms & Conditions Supplied

[Oct Revolution]

Re: October Revolution's UE Diary

Many thanks Niddy

Will get letters sorted today

[Never-In-Doubt]

Re: October Revolution's UE Diary

Many thanks Niddy

Will get letters sorted today

:niddy :niddy

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 5

Barclaycard Visa (Mercers/Calders)

Activity:
06/10/10 - CCA Request sent to Mercers
22/10/10 - letter rec'd from Barclaycard - "acknowledge my CCA request and will respond asap".
18/02/11 - letter rec'd from Barclaycard VISA:“As you have not complied with recent Default Notice, the outstanding balance is due in full and we demand payment immediately…balance will accrue interest….if we do not receive payment in 7 days a Debt Collector may call upon you for repayment or we may proceed with legal proceedings". I still have not received my CCA for this account.

19/02/11 - CCA received from Barclaycard Visa; It just looks like old and new T&C’s.
22/02/11 - Nid says send CCA Query "T&C's supplied" template.
22/02/11 - Above letter sent

Morning Niddy,

I have an update to above account:

02/03/11

Letter received from Barclaycard VISA in response to my CCA Query T&C's supplied letter I sent.

Its a 3 page letter and briefly goes on to say:

"That the agreement is enforceable; quotes the Judge Waksman QC in Carey v HSBC case; what they do and don't have to supply; not in dispute with regards OFT guidelines; believe agreement to be enforceable; will continue to pursue debt; please consider this to be our final response".

I'm sure you've probably seen this letter a thousand times, but if you require me to e-mail it to you let me know.

Do I need to respond with anything? or just ignore and see what happens next as they say "please consider this to be our final response".

I will probably get a similar letter in the next few days for my Barclaycard MASTERCARD account too.

many thanks

[Never-In-Doubt]

Re: October Revolution's UE Diary

Morning Niddy,

I have an update to above account:

02/03/11

Letter received from Barclaycard VISA in response to my CCA Query T&C's supplied letter I sent.

Its a 3 page letter and briefly goes on to say:

"That the agreement is enforceable; quotes the Judge Waksman QC in Carey v HSBC case; what they do and don't have to supply; not in dispute with regards OFT guidelines; believe agreement to be enforceable; will continue to pursue debt; please consider this to be our final response".

I'm sure you've probably seen this letter a thousand times, but if you require me to e-mail it to you let me know.

Do I need to respond with anything? or just ignore and see what happens next as they say "please consider this to be our final response".

I will probably get a similar letter in the next few days for my Barclaycard MASTERCARD account too.

many thanks

You can ignore this - seen 100's of em before!

[Oct Revolution]

Re: October Revolution's UE Diary

OK Niddy,

thanks for that. Though you would have seen many of them. .

I will ignore and see what happens next.

thanks

[Never-In-Doubt]

Re: October Revolution's UE Diary

OK Niddy,

thanks for that. Though you would have seen many of them. .

I will ignore and see what happens next.

thanks

Cheers, keep us updated

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 6

Barclaycard Mastercard (Mercers/Calders)

Activity:
06/10/10 - CCA Request sent to Mercers
22/10/10 - letter rec'd from Barclaycard - "acknowledge my CCA request and will respond asap".
18/02/11 - letter rec'd from Barclaycard MASTERCARD: “As you have not complied with recent Default Notice, the outstanding balance is due in full and we demand payment immediately…balance will accrue interest….if we do not receive payment in 7 days a Debt Collector may call upon you for repayment or we may proceed with legal proceedings". I still have not received my CCA for this account.

22/02/11 - CCA received from Barclaycard Mastercard; It just looks like old and new T&C’s.
22/02/11 - Nid says send CCA Query "T&C's supllied" template.
22/02/11 - Above letter sent

Hi Nid,

I have a further update to above account:

04/03/11 - Letter received from B/card MASTERCARD - pretty much the same as I received for my B/card VISA on 02/03/11 in response to last letter sent. Briefly says:

"That the agreement is enforceable; quotes the Judge Waksman QC in Carey v HSBC case; what they do and don't have to supply; not in dispute with regards OFT guidelines; believe agreement to be enforceable; will continue to pursue debt; please consider this to be our final response".

but with a few other paragraphs .

I ignored the previous one for my VISA acc. BUT today also rec'd a letter from Moorcroft Debt Recover Limited saying:

"act as agents for B/Card MASTERCARD.... you've not complied with Formal Demand....balance is due....interest will be charged at 1% per month....may affect credit file....if not paid in 7 days a Debt Collector may call upon you or County Court proceedings may be issued ....."


Lots of "MAYS" in there? I assume I ignore the letter from Barclaycard MASTERCARD but what do I send to Moorcroft? Account sold whilst in dispute? or Threat o gram - letter before action? or something else?


Many thanks

[Never-In-Doubt]

Re: October Revolution's UE Diary

Hi Nid,

I have a further update to above account:

04/03/11 - Letter received from B/card MASTERCARD - pretty much the same as I received for my B/card VISA on 02/03/11 in response to last letter sent. Briefly says:

"That the agreement is enforceable; quotes the Judge Waksman QC in Carey v HSBC case; what they do and don't have to supply; not in dispute with regards OFT guidelines; believe agreement to be enforceable; will continue to pursue debt; please consider this to be our final response".

but with a few other paragraphs .

I ignored the previous one for my VISA acc. BUT today also rec'd a letter from Moorcroft Debt Recover Limited saying:

"act as agents for B/Card MASTERCARD.... you've not complied with Formal Demand....balance is due....interest will be charged at 1% per month....may affect credit file....if not paid in 7 days a Debt Collector may call upon you or County Court proceedings may be issued ....."


Lots of "MAYS" in there? I assume I ignore the letter from Barclaycard MASTERCARD but what do I send to Moorcroft? Account sold whilst in dispute? or Threat o gram - letter before action? or something else?


Many thanks

Ignore Mastercard - send this to Moorcroft: ---> Debtors Final Response - CCA Received

[Oct Revolution]

Re: October Revolution's UE Diary

Many thanks Niddy

Will get letter sorted

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 6

Barclaycard Mastercard (Mercers/Calders)

Activity:
06/10/10 - CCA Request sent to Mercers
22/10/10 - letter rec'd from Barclaycard - "acknowledge my CCA request and will respond asap".
18/02/11 - letter rec'd from Barclaycard MASTERCARD: “As you have not complied with recent Default Notice, the outstanding balance is due in full and we demand payment immediately…balance will accrue interest….if we do not receive payment in 7 days a Debt Collector may call upon you for repayment or we may proceed with legal proceedings". I still have not received my CCA for this account.

22/02/11 - CCA received from Barclaycard Mastercard; It just looks like old and new T&C’s.
22/02/11 - Nid says send CCA Query "T&C's supllied" template.
22/02/11 - Above letter sent
04/0311 - Letter from B/card MASTERCARD in response to last letter sent. Briefly says: "That the agreement is enforceable; quotes the Judge Waksman QC in Carey v HSBC case; what they do and don't have to supply; not in dispute with regards OFT guidelines; believe agreement to be enforceable; will continue to pursue debt; please consider this to be our final response". NID says Ignore.

04/03/11 - BUT also rec'd a letter from Moorcroft Debt Recovery Limited saying: "act as agents for B/Card MASTERCARD.... you've not complied with Formal Demand....balance is due....interest will be charged at 1% per month....may affect credit file....if not paid in 7 days a Debt Collector may call upon you or County Court proceedings may be issued .....". NID says send "Debtors Final Response - CCA Received".

08/03/11 - Above letter sent.

Hi All,

I have an update to above acc:

Letter rec'd from Moorcroft (dated 10/3/11) as follows:

“IMPORTANT INFORMATION – POSSIBLE LITIGATION….to prevent send payment in 7 days….if we do not hear from you we have no alternative but to recommend to our client that solicitors issue legal action against you….which may incur further costs…please contact us as we nor our client want court proceedings….”

As the above letter has crossed with my “Debtors final Response – CCA Rec’d” letter of 8/3/11 I will ignore for now and see what happens.

[Deepie]

Re: October Revolution's UE Diary

I would send this


NEW Account sold - whilst in Default of CCA Request