Oct Revolution's UE Diary

[Never-In-Doubt]

Re: October Revolution's UE Diary

Yep ignore this. They usually default you within 6 months!! Hmmmm

Hi Niddy,

I have a small update to above account:

UPDATE: 13/04/11

Letter rec'd from Santander:

"....understand you are still experiencing financial difficulty and would ask you to continue to make payments through your appointed 3rd party adviser as agreed....as advised we are informing you of our intention to submit default information to CRA....default will remaim on file for 6 years...."

I've not heard from Santander since 04/12/10 and I have not paid anything since Oct 2010 and that was only £1 token payments, so the above letter is quite strange. I will just file it for the time being and await for the default notice to be issued and see what happens next.

Many thanks

[Never-In-Doubt]

Re: October Revolution's UE Diary

You can ignore this, their final response!

Hi Niddy,

I have an update to above account:

UPDATE 14/04/11

Letter rec'd from RBS is in response to my letter of 05/04/11 “Threat of legal action/doorstep visit”:

“ 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…..”

Is there anything I need to send back or do I ignore.

Many thanks

[Never-In-Doubt]

Re: October Revolution's UE Diary

I'm temped to suggest you ring and ask the question "since when was tesco, or more to the point RBS; judge, jury & Exocutioner"!! Point being, their "word" right now means little and being we, the taxpayer own them due to their inabilities to manage peoples funds, you feel their response is nonsense and you welcome the chance to take tesco on at court"

That ought to sort it matey

Hi Niddy,

I also have an update to above acc:

UPDATE 14/04/11:

Letter from Triton in response to my “threat o gram before action” sent to Green & Co:

“….write with ref to recent correspondence ….our records show Tesco complied with your CCA request with all relevant docs….further to this Tesco issued a letter saying had complied with CCA 1974 and payment is due….and finally issued you a further letter with a final response again confirming all above and that acc is not in dispute….Therefore the balance is due for immediate collection…. contact us within 7 days to discuss repayment proposals….failure to comply will leave us no alternative but to take further action without warning or delay….”


Do I need to send any response or see what happens after 7 days?


Many thanks

[Oct Revolution]

Re: October Revolution's UE Diary

Thanks as ever Niddy for your swift replies.

I will ignore Santander and RBS and see what happens next.

As to Triton/Tesco I'm a little confused as to what I need to do? Do you want me to ring them?

I'm temped to suggest you ring and ask the question "since when was tesco, or more to the point RBS; judge, jury & Exocutioner"!! Point being, their "word" right now means little and being we, the taxpayer own them due to their inabilities to manage peoples funds, you feel their response is nonsense and you welcome the chance to take tesco on at court"

That ought to sort it matey

[Never-In-Doubt]

Re: October Revolution's UE Diary

Thanks as ever Niddy for your swift replies.

I will ignore Santander and RBS and see what happens next.

As to Triton/Tesco I'm a little confused as to what I need to do? Do you want me to ring them?

Do u feel up to calling try-it-on?

[Oct Revolution]

Re: October Revolution's UE Diary

Wouldn't bother me ringing them, but I feel all I will get is a "monkey" on the other end of the phone not knowing what to say or do next other then "can we have your debit card details; do we still have your correct contact details and can you up your payments" !!

Or do you feel calling them would get a result and call their bluff.

EDIT: in fact while typing this reply they've just rang which I ignored for the moment.

[Never-In-Doubt]

Re: October Revolution's UE Diary

Ok, just ignore them then if you're not wanting to call up.

Lets see what they decide to do next

[Oct Revolution]

Re: October Revolution's UE Diary

Ok Niddy,

Will do.

Many thanks

[Never-In-Doubt]

Re: October Revolution's UE Diary

Cheers matey

Now chill out this weekend and go get drunk! For the lads!

[Oct Revolution]

Re: October Revolution's UE Diary

Cheers matey

Now chill out this weekend and go get drunk! For the lads!

Funny you should say that Niddy as thats what my plans were for the weekend.

[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

31/03/11 - Letter rec’d 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....there remains an obligation to honour original agreement….balance of account remains due.... credit file will reflect this….account is on hold ….please call to arrange a discounted agreement….” I will keep this letter very safe

Hi Niddy have a quick update to above acc:

21/04/11: UPDATE:

Letter rec’d from Moorcroft:

“MONTHLY INSTALMENT OFFER

….as we have not heard from you….we feel you may not be in a position to clear acc in full….to stop our recommending to our client that solicitors commence legal proceedings we are prepared to accept £***.** per month….to take advantage contact us….failure to respond may leave us with no option but to recommend our client consider legal action against you….this may incur further costs and affect credit rating….do not ignore this letter….”



I assume I ignore this as the last letter I rec’d from Moorcroft was one stating “our client is currently unable to prove signed copy of the agreement”.


I await your reply, in due course, Niddy.


Many thanks

[Deepie]

Re: October Revolution's UE Diary

NEWCCA Query - Letter Previously Confirming No CCA

Hi
send this back with copy of letter you got confirming no cca

[Oct Revolution]

Re: October Revolution's UE Diary

NEWCCA Query - Letter Previously Confirming No CCA

Hi
send this back with copy of letter you got confirming no cca

Hi In 2 deep,

it did cross my mind to send that but then I thought it would be a bit strange sending a copy letter of their own letter back to them as they will have this on file - but we know what DCA's are like !

[Deepie]

Re: October Revolution's UE Diary

Hi In 2 deep,

it did cross my mind to send that but then I thought it would be a bit strange sending a copy letter of their own letter back to them as they will have this on file - but we know what DCA's are like !

you may as well they don't read the letters you send and if they do they don't understand them

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 8

Royal Bank of Scotland

Activity:
06/10/10 - CCA Request sent
01/11/10 - CCA rec'd
02/11/10 - Niddy says:UE "Application form" rec'd - Letter sent.
18/12/10 - Letter rec'd from RBS “….disappointed you have failed to comply with our agreement; unless an immediate payment is made to your account & regular payments thereafter we have no alternative but to place account in hands of external DCA without prior warning”

22/12/10 - Niddy says ignore last until I hear from DCA
04/01/11 - Receiving calls daily from RBS, but I don't answer.
07/01/11 - Letter rec'd from RBS (dated 21/12/10) “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.

29/01/11 - Letter rec'd from TRITON "RBS 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......"

02/02/11 - Niddy says send "CCA query - application form rec'd" template to Triton.
03/02/11 - Above letter sent.
19/02/11 - Letter from RBS in response to my “Application form received” letter I sent to Triton: "CCA is a true copy....do not consider the account to be in dispute....will be pursuing for full payment....see no reason to enter into further correspondence with the alleged CCA breaches." NID says ignore.

02/04/11 - 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” NID says send "Threat of Legal Action & Refusal of Doorstep Visit

05/04/11 - letter sent.

14/04/11 - Letter rec'd from RBS is in response to my letter of 05/04/11: “ 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 ignore as their final response.

Hi Niddy,

28/04/11: Update to above account:

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

“….instructed by our client Triton, who are instructed by RBS 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