Oct Revolution's UE Diary

[swanfan]

Re: October Revolution's UE Diary

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.

Yep, just ignore for now & wait for a response to previous letter.

[Oct Revolution]

Re: October Revolution's UE Diary

Yep, just ignore for now & wait for a response to previous letter.

yeah thats what I'm gonna do until they respond to my letter of the 08/03/11

many thanks

[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
02/03/11 - Letter from Barclaycard VISA 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.

26/03/11: Update to above account:

Letter rec’d from Calder Financial acting for Barclaycard Visa offering:

“A Settlement opportunity …. Our client has agreed to accept settlement offer in payment of outstanding debt…. this is by way of concession & will not alter terms of agreement….failure to contact in 5 days will result in offer being withdrawn & full balance will become due immediately…”

I will ignore for now.

[Never-In-Doubt]

Re: October Revolution's UE Diary

Wise advice to ignore, nothing needs replying to. However, one thing to note - what In 2 Deep stated could have been sent to buy you time. Just thought i'd point out that her advice was also correct but it wouldn't have mattered if you sent it or ignored to be honest.

Cheers

[Never-In-Doubt]

Re: October Revolution's UE Diary

I would send this


NEW Account sold - whilst in Default of CCA Request

Yes, wise choice - but for the same respect you could ignore them - its a 50/50 really. Whatever you decided to do is right

[Oct Revolution]

Re: October Revolution's UE Diary

many thanks for your replies Niddy,

I have indeed ignored the last two letters I've received from Moorcroft (Barclaycard Mastercard) and Calder (Barclaycard Visa) and await any further response from them.

Hope you had a great and well deserved holiday.

[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
02/03/11 - Letter from Barclaycard VISA 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.

26/03/11 Letter rec’d from Calder Financial offering: “A Settlement opportunity …. Our client has agreed to accept settlement offer in payment of outstanding debt…." I will ignore for now.

Hi Niddy

30/03/11 Update to above account:

Letter rec’d from Calder’s today:

“IMPORTANT NOTICE: …we are still dealing with your account….is still overdue and we have been unable to contact you….we have instructed local debt collector to visit you at home to arrange payment….to prevent call us to agree repayment plan….”

Do I need to send Harassment & Threat of Doorstep-Visit Template

Many thanks

[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.

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”. Nid says send Threat by lender/DCA to commence litigation. Letter sent.

Hi Niddy,

30/03/11: Update to above account:

Letter rec’d today from Green & Co Solicitors in reference to my Tesco acc:

“….instructed by our client Triton, who are instructed by Tesco in connection with outstanding liability….despite formal demand, amount remains unpaid….we are likely to be instructed to commence court proceedings….however, before we commence, you have one final opportunity to make payment within 7 days….should payment not be rec’d can only assume you will not settle this matter amicably….we are then likely to be instructed to commence court proceedings….”

I assume I need to send “threat by lender to commence litigation” letter back to Green & Co?


many thanks

[Never-In-Doubt]

Re: October Revolution's UE Diary

Hi Niddy

30/03/11 Update to above account:

Letter rec’d from Calder’s today:

“IMPORTANT NOTICE: …we are still dealing with your account….is still overdue and we have been unable to contact you….we have instructed local debt collector to visit you at home to arrange payment….to prevent call us to agree repayment plan….”

Do I need to send Harassment & Threat of Doorstep-Visit Template

Many thanks

Yes, send that ---> Harassment & Threat of Doorstep-Visit Template

[Never-In-Doubt]

Re: October Revolution's UE Diary

Hi Niddy,

30/03/11: Update to above account:

Letter rec’d today from Green & Co Solicitors in reference to my Tesco acc:

“….instructed by our client Triton, who are instructed by Tesco in connection with outstanding liability….despite formal demand, amount remains unpaid….we are likely to be instructed to commence court proceedings….however, before we commence, you have one final opportunity to make payment within 7 days….should payment not be rec’d can only assume you will not settle this matter amicably….we are then likely to be instructed to commence court proceedings….”

I assume I need to send “threat by lender to commence litigation” letter back to Green & Co?

Send Green & Co this: ---> Threat-o-Gram - Letter before Action

[Oct Revolution]

Re: October Revolution's UE Diary

many thanks Niddy

will sort letters out and send first class recorded delivery asap

best regards,

[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.
21/03/11 - Letter rec'd from Moorcroft (dated 10/3/11) as follows: “IMPORTANT INFORMATION – POSSIBLE LITIGATION….to prevent send payment in 7 days….if not we have no alternative but to recommend to our client that solicitors issue legal action against you….may incur further costs…contact us as we nor our client want court proceedings….”. Will ignore as crossed with my last letter of 8/3/11

Hi Niddy I have an update to above account:

31/03/11:

rec’d letter from Moorcroft:

“We refer to previous correspondence and confirm at this time our client is currently unable to prove a signed copy of the agreement relating to this account....”

It goes onto quote McGuffick case and then

“our client confirms that there remains an obligation to honour original agreement….the balance of account remains due and payable and credit file will reflect this….your account is on hold ….please contact us to arrange a discounted agreement….”

Sounds like good news to me. Is this one of “those” letters that I have been waiting so long for?

[Deepie]

Re: October Revolution's UE Diary

Hi Niddy I have an update to above account:

31/03/11:

rec’d letter from Moorcroft:

“We refer to previous correspondence and confirm at this time our client is currently unable to prove a signed copy of the agreement relating to this account....”

It goes onto quote McGuffick case and then

“our client confirms that there remains an obligation to honour original agreement….the balance of account remains due and payable and credit file will reflect this….your account is on hold ….please contact us to arrange a discounted agreement….”

Sounds like good news to me. Is this one of “those” letters that I have been waiting so long for?

Hi sounds like a result to me keep that letter safe

[Never-In-Doubt]

Re: October Revolution's UE Diary

Sounds like good news to me. Is this one of “those” letters that I have been waiting so long for?

Excellent news matey - well done!

Keep that safe and if anyone bothers you, you simply photocopy it and send the copy with one of these (to whoever hassles you) ---> CCA Query - Letter Previously Confirming No CCA

[Oct Revolution]

Re: October Revolution's UE Diary

Hi sounds like a result to me keep that letter safe

Thanks in2deep,

I will be keeping that letter very safe - maybe in a picture frame on my bedside table .

Would not have been able to get this far without the help from Niddy and others on here - so thank you everyone.