Oct Revolution's UE Diary

[Never-In-Doubt]

Re: October Revolution's UE Diary

Have a great weekend.

Cheers matey - you too!

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 7

Cahoot/Santander

Activity:
06/10/10 - CCA Request sent
06/11/10 - CCA rec'd (e-mailed to NID for advice)
09/11/10 - NID says :UE "T&C's rec'd" letter sent
15/11/10 - Letter rec'd from Santander in response to last - "are looking into my complaint and I should hear from them shortly"

26/11/10 - Another letter from Santander similar to last but also stating "if account complained about still has an oustanding balance CCA remains in force and payments should continue; that missed payments will be shared with CRA; remain on file for 6 years - may affect credit status"

04/12/10 - Letter rec'd from Santander "it is our belief that we have fully complied with CCA and copy of Terms and Conditions support this and the agreement is fully enforceable." Niddy says ignore.

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....". NID says ignore last.

10/05/11 - Letter rec’d from Santander: “….our records show proposed payments have not been made for some months….important you contact us to advise current financial situation/establishing why payments are not being made….failure will result in us resuming collection and recovery on your acc….”. NID says ignore

11/05/11 - Default Notice rec'd from Santander. Will file.

Hi All,

I've been receiving 2-3 calls daily from Santander for the past month, but I have not been answering them. I'm going to send the "Harassment By Telephone" template and see what comes of it.

best regards,

[Never-In-Doubt]

Re: October Revolution's UE Diary

Hi All,

I've been receiving 2-3 calls daily from Santander for the past month, but I have not been answering them. I'm going to send the "Harassment By Telephone" template and see what comes of it.

best regards,

Yep agreed, send that off and see how you get on

[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

21/04/11 - Letter rec’d from Moorcroft: "MONTHLY INSTALMENT OFFER: ….to stop our recommending to our client that solicitors commence legal proceedings we are prepared to accept £***.** per month….". NID says send CCA Query - Letter previously confirming no CCA. Letter sent.

09/05/11 - Letter rec’d from Midas Credit Services: “LITIGATION WARNING ….We are part of Moorcroft Group....are aware you have failed to reach a repayment plan….we are reviewing acc prior to any possible legal action by external solicitors….to prevent contact us….failure to do so within 7 days may mean that a decision to proceed with legal action will be made….”. NID says send "CCA Query - Letter previously confirming no CCA" to Midas along with copy letter. Letter sent.

Hi Niddy.

I have a further update to the above account:

UPDATE: 20/05/11

letter rec'd from Moorcroft - Home Collections Division -

"...our records show despite previous letters no payments have been made to us....your acc has now been passed to our HOME COLLECTION DIVISION for action....may involve local rep calling at your home in near future to assist/establish how you propose to pay....if you prefer contact us to arrange repayment....if no agreement made with us/local rep you may leave us no alternative but to recommend to our client that solicitors commence legal proceedings..."



What do you suggest I send them this time, as they seem not to be reading my previous letters, or do I send the "CCA Query - Letter Confirming No CCA" again !


Many thanks Niddy,

[Deepie]

Re: October Revolution's UE Diary

1. Final Response (No CCA) & Refusal of Doorstep Visit
   
   Niddy special I think

[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.

30/03/11 - Letter rec’d from Green & Co Solicitors: “….instructed by our client Triton/Tesco….despite formal demand, amount remains unpaid….we are likely to be instructed to commence court proceedings….” NID says send "Threat o gram - before action". Letter sent

14/04/11 - Letter from Triton in response to my last letter: “….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….”. NID says ignore and see what happens next.

Hi Nid,

I also have an update to above account:

UPDATE: 20/05/11


Rec'd a yellow card (in an envelope) from Allied International Credit (UK) Ltd:

"....our client has informed us a Formal Demand has been made....payment of full balance must be paid immediately....if you want to discuss acc contact us...."



What is strange about this one is that the return address stamped on the envelope is SANTANDER which I thought was nothing to do with RBS/Tesco.

Anyway is there anything I need to send back Niddy.

As ever many thanks for your help.

best regards,

[Never-In-Doubt]

Re: October Revolution's UE Diary

Hi Niddy.

I have a further update to the above account:

UPDATE: 20/05/11

letter rec'd from Moorcroft - Home Collections Division -

"...our records show despite previous letters no payments have been made to us....your acc has now been passed to our HOME COLLECTION DIVISION for action....may involve local rep calling at your home in near future to assist/establish how you propose to pay....if you prefer contact us before 24/05/11 to arrange repayment....if no agreement made with us/local rep you may leave us no alternative but to recommend to our client that solicitors commence legal proceedings..."



What do you suggest I send them this time, as they seem not to be reading my previous letters, or do I send the "CCA Query - Letter Confirming No CCA" again !


Many thanks Niddy,

Copy the letter from 31st March and highlight the relevant part about not having an agreement and send it with this: ---> Enough is Enough Template

[Never-In-Doubt]

Re: October Revolution's UE Diary

1. Final Response (No CCA) & Refusal of Doorstep Visit
   
   Niddy special I think

Not yet - almost

[Never-In-Doubt]

Re: October Revolution's UE Diary

Hi Nid,

I also have an update to above account:

UPDATE: 20/05/11

Rec'd a yellow card (in an envelope) from Allied International Credit (UK) Ltd:

"....our client has informed us a Formal Demand has been made....payment of full balance must be paid immediately....if you want to discuss acc contact us...."

What is strange about this one is that the return address stamped on the envelope is SANTANDER which I thought was nothing to do with RBS/Tesco.

Anyway is there anything I need to send back Niddy.

As ever many thanks for your help.

best regards,

Weird cos Santander are nothing to do with any of the main banks mate - can you clarify that you don't have a santander or ex store card (maybe Asda/Debenhams) - as this is weird...

In any case, ignore it for now

[Oct Revolution]

Re: October Revolution's UE Diary

Copy the letter from 31st March and highlight the relevant part about not having an agreement and send it with this: ---> Enough is Enough Template

Thanks Niddy,

Will get letter and copy letters sorted this weekend.

many thanks

[Oct Revolution]

Re: October Revolution's UE Diary

Weird cos Santander are nothing to do with any of the main banks mate - can you clarify that you don't have a santander or ex store card (maybe Asda/Debenhams) - as this is weird...

In any case, ignore it for now

No I don't have any cards/store cards with Santander. Only account I have was ex-Cahoot flexi-loan which is now Santander (acc 7 on my diary), BUT this is nothing to do with it. This account is Tesco. The return address is Santander in London but AIC are based in Glasgow - quite confusing.

But as you say I will ignore for now and see what happens next.

Thanks very much

Have a great weekend - what's left of it !

[carol01]

Re: October Revolution's UE Diary

Weird cos Santander are nothing to do with any of the main banks mate - can you clarify that you don't have a santander or ex store card (maybe Asda/Debenhams) - as this is weird...

In any case, ignore it for now

The Royal Bank of Scotland Group has recently announced the sale to Santander of RBS branches in England and Wales and the NatWest branch network in Scotland.

The sale includes the following accounts linked to these branches:

personal, including private banking, customers
business and commercial customers
In addition a relatively small number of mid-corporate customers across the UK will be included.

[Oct Revolution]

Re: October Revolution's UE Diary

Wow thanks for that Carol,

didn't know that at all.

[Never-In-Doubt]

Re: October Revolution's UE Diary

The Royal Bank of Scotland Group has recently announced the sale to Santander of RBS branches in England and Wales and the NatWest branch network in Scotland.

The sale includes the following accounts linked to these branches:

personal, including private banking, customers
business and commercial customers
In addition a relatively small number of mid-corporate customers across the UK will be included.

So Natwest have sold "bad" accounts to Santander along with the branches? No shit...?



What is the world coming to

[Oct Revolution]

Re: October Revolution's UE Diary

Hi All,

I've been receiving 2-3 calls daily from Santander for the past month, but I have not been answering them. I'm going to send the "Harassment By Telephone" template and see what comes of it.

best regards,

Yep agreed, send that off and see how you get on

Update: 01/06/11

Letter rec'd from Santander. "...we have looked into your complaint and have removed your telephone number from our sytsems and will only communicate in writing...".



A result I think


many thanks Niddy