Oct Revolution's UE Diary

[Never-In-Doubt]

Re: October Revolution's UE Diary

morning Niddy,

I have an update to the above account:

UPDATE: 27/06/11:

letter rec'd today from Fredrickson International Ltd:

“….instructed by Egg to collect outstanding balance….you have failed to pay outstanding balance despite repeated requests….full payment now due to avoid further action….contact us IMMEDIATELY to discuss this matter….payment should be made to Fredrickson International LTD….”



Not heard anything for this account since 18/02/11. Do I need to send account sold whilst in dispute or something else/ignore.


Many thanks,

Don't even bother sending anything mate - await their next letter in a few days

[Oct Revolution]

Re: October Revolution's UE Diary

Ok Niddy,

Thanks for quick response. I will ignore and await their next letter.

I'm also getting quite a few calls from them - 6 so far today - from different numbers but not answering them.

thanks

[Never-In-Doubt]

Re: October Revolution's UE Diary

Ok Niddy,

Thanks for quick response. I will ignore and await their next letter.

I'm also getting quite a few calls from them - 6 so far today - from different numbers but not answering them.

thanks

Ok time for this then matey: Harassment by Telephone

[Oct Revolution]

Re: October Revolution's UE Diary

thanks again Niddy,

I will get letter sorted today - it worked when I sent it to Santander so lets hope it does the trick here too!

[Never-In-Doubt]

Re: October Revolution's UE Diary

thanks again Niddy,

I will get letter sorted today - it worked when I sent it to Santander so lets hope it does the trick here too!

If not mate then work down them as detailed here: Harassment

[Oct Revolution]

Re: October Revolution's UE Diary

Will do Niddy

[Oct Revolution]

Re: October Revolution's UE Diary

Ok Niddy,


I'm also getting quite a few calls from them - 6 so far today - from different numbers but not answering them.

thanks

Wow these (Fredrickson International Ltd) are feisty buggers ! I only got a letter from them on Monday saying they have taken over my Egg account (acc. 9 on my list) and the calls have never stopped. I had 12 on Monday; 14 on Tuesday and so far today 7 !!! I'm not answering them but just getting a little annoying now.

I have sent the "Harassment by Telephone" template as advised by Nid so will wait and see what that brings.

Keep smiling everyone

[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.

20/05/11 - letter rec'd from Moorcroft - Home Collections Division - "...records show despite previous letters no payments have been made....your acc has now been passed to our HOME COLLECTION DIVISION for action....may involve local rep calling at your ....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..." Nid says send "Enough is Enough" template plus copy of letter from Moorcroft from 31/03/11 advising no CCA. Letters sent.

01/06/11 - Letter rec'd from Moorcroft in response to my last letter: ".... it is our understanding that you advised this acc remains in dispute as you have not rec'd your CCA....our records show that we sent you a letter advising our client was unable obtain a copy of your CCA....we have now asked our client to check their records to provide a CCA if possible....we are awaiting our clients response....be assured that our position is that we would be happy to seek to agree a sensible/affordable payment plan to ensure this debt can be paid....acc. is on hold until we can revert back to our clients response ...." I will file this letter very carefully with my other one and see what happens next.

Hi Nid,

I have a further update to this account:

UPDATE: 29/06/11

Letter rec'd from Moorcroft:

“….we advise your acc has now been closed and returned to our client….our client has confirmed they have recently responded to you directly in relation to charges/concerns about CCA….we reiterate your acc is now closed and will receive no further contact from us….further recovery action now lies with our client and we ask you to contact them with unresolved concerns and your liability….”



What is strange with this one is that Barclays have not written to me as stated – last letter from Barclaycard was back in March (04/03/11) saying CCA in enforceable.


I assume I just file and see what happens next ?


Probably Barclaycard will pass onto a new DCA and the merry-go-round will begin again.


Many thanks Niddy,

[roomtobreathe]

Re: October Revolution's UE Diary

Wow these (Fredrickson International Ltd) are feisty buggers ! I only got a letter from them on Monday saying they have taken over my Egg account (acc. 9 on my list) and the calls have never stopped. I had 12 on Monday; 14 on Tuesday and so far today 7 !!! I'm not answering them but just getting a little annoying now.

I have sent the "Harassment by Telephone" template as advised by Nid so will wait and see what that brings.

Keep smiling everyone

And in the meantime make sure you log the numbers and times of these calls. given the recent court case regarding harassment if they carry on like that they be in the doo-doo.

[Never-In-Doubt]

Re: October Revolution's UE Diary

Wow these (Fredrickson International Ltd) are feisty buggers ! I only got a letter from them on Monday saying they have taken over my Egg account (acc. 9 on my list) and the calls have never stopped. I had 12 on Monday; 14 on Tuesday and so far today 7 !!! I'm not answering them but just getting a little annoying now.

I have sent the "Harassment by Telephone" template as advised by Nid so will wait and see what that brings.

Keep smiling everyone

Blatant harassment, give it a few days then send the follow up template (next on the list).....

[Never-In-Doubt]

Re: October Revolution's UE Diary

Hi Nid,

I have a further update to this account:

UPDATE: 29/06/11

Letter rec'd from Moorcroft:

“….we advise your acc has now been closed and returned to our client….our client has confirmed they have recently responded to you directly in relation to charges/concerns about CCA….we reiterate your acc is now closed and will receive no further contact from us….further recovery action now lies with our client and we ask you to contact them with unresolved concerns and your liability….”



What is strange with this one is that Barclays have not written to me as stated – last letter from Barclaycard was back in March (04/03/11) saying CCA in enforceable.


I assume I just file and see what happens next ?


Probably Barclaycard will pass onto a new DCA and the merry-go-round will begin again.


Many thanks Niddy,

Ignore it, well done - result that it's been passed back

Means you beat that DCA

[Never-In-Doubt]

Re: October Revolution's UE Diary

And in the meantime make sure you log the numbers and times of these calls. given the recent court case regarding harassment if they carry on like that they be in the doo-doo.

This would be K HARRISON v LINK FINANCIAL [2010]

[Oct Revolution]

Re: October Revolution's UE Diary

And in the meantime make sure you log the numbers and times of these calls. given the recent court case regarding harassment if they carry on like that they be in the doo-doo.

Yeah I'm doing just that roomtobreathe - thanks,

Although they are using about 4 or 5 different numbers which I check on whocallsme.com to check who it is first then program my phone to flag up "Dont Answer" when the calls come through.

[Oct Revolution]

Re: October Revolution's UE Diary

Ignore it, well done - result that it's been passed back

Means you beat that DCA

WE beat the DCA Niddy,



and thanks for all your help and advice.

I await the next DCA.

[Never-In-Doubt]

Re: October Revolution's UE Diary

Cheers matey - lets see what round 75 brings eh?