Oct Revolution's UE Diary

[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.

29/06/11 - Letter rec'd from Moorcroft: “….we advise your acc has now been closed and returned to our client….you will receive no further contact from us….further recovery action now lies with our client and we ask you to contact them….”. Nid says file/ignore and see which DCA gets it next !

21/07/11 - Letter rec'd from Barclaycard: "....acc has now been assigned and transferred to MKDP LLP who have appointed MKRR as their servicing agents....all contact/payments should be directed to MKRR....". Will ignore for now.

24/08/11 - Letter received from MKRR“….writing in regard to outstanding balance, with objective of finding resolution of debt….ignoring letter will make situation worse….we can offer payment arrangements….if you ignore we are left with no option but to continue collections activity….” Sent CCA Query - Letter previously confirming no CCA with copy letter from Moorcroft.

Hi Niddy/In2Deep,

I have an update to above acc:

UPDATE: 08/09/11:

Letter rec’d from MKRR in response to my “CCA Query - Letter previously confirming no CCA” letter:

“….at this time unable to resolve your concern….needs further investigation with Barclaycard .... will contact you as soon as we receive response….”




I will ignore and see what happens next.


Many thanks

[Never-In-Doubt]

Re: October Revolution's UE Diary

Ignore matey

[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.

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...." NID says ignore for time being.

29/06/11 - Telephone harassment letter sent.

05/07/11 - The letter has worked as calls seem to have stopped for now.

13/08/11 - Rec'd letter from AIC: ".... early settlement offer of 25%....as account remains unpaid we are reviewing your acc to consider if further action is warranted....please contact us.....failure to do so may result in a recommendation to our client that proceedings should be initiated...." NID says ignore

Hi Niddy/I2D,

I have an update to above acc:

UPDATE: 13/09/11:received letter today from AIC - Allied International Credit ref above account:


".... early settlement offer of 25%....as account remains unpaid we are reviewing your acc to consider if further action is warranted....options available to you are:

25% discount if paid within 14 days - we nor clients will pursue further;

Down payment then remaining balance paid over 60 months;

Repay at £***.** for 36 months

....please contact us.....failure to do so may result in a recommendation to our client that proceedings should be initiated...."



This is the same letter I received from them a month ago which I ignored - do I need to do the same here ? or do I need to send "Threat by Lender/DCA - To commence Litigation".


many thanks,

[MrsD]

Re: October Revolution's UE Diary

this is just a "lets get some money before the end of the month" mailshot, I'd just ignore for the moment

[Never-In-Doubt]

Re: October Revolution's UE Diary

As above, just ignore for now matey

[Oct Revolution]

Re: October Revolution's UE Diary

Thanks Niddy,

Will do

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 2

Citibank (Collect Direct UK) Now with Opus/Cabot

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

01/03/11 - CCA received from Opus; Nid says send CCA Query T&C's supplied template. Letter sent.

03/06/11 - Letter from Cabot Financial: "....we have recently bought acc from Opus/Citi....please call to arrange payment...." Nid says send "Account sold whilst in dispute" template. Letter sent.

11/06/11 - Letter from Cabot: "....looking into complaint....will respond in 20 days...."

07/07/11 - Letter from Cabot: "....still looking into complaint....will require a further 20 days to respond...."

21/07/11 - Letter from Opus in response to my letter of 01/03/11 "...we have provided CCA which complies with CCA 1974....at the moment we are unable to trace copy of signed application form....however we confirm our procedure has always been to obtain customers sig ....as such we are confident CCA is enforceable....failure to make payments will result in collection activities...." Will ignore for now.

01/08/11 - Letter from Cabot: "....still looking into complaint....will have to contact Opus for further info....will contact me again when info received...." Will file and ignore for now.

Hi Niddy/I2D,

I have an update to above acc:

UPDATE 21/09/11:

Quite a long letter from Cabot:

"....have received info from Opus who have forwarded relevant info which was previously provided to yourself....upon reviewing docs I can clarify Opus have provided a recon true copy of your CCA which complies with CCA request...."

It goes on to quote English Law/Enforcement and that they "are not seeking to initiate legal proceedings....a recon has been provided....will not send acc back to Opus....a CCA request is not a method for the avoidance of the debt....contact us in next 14 days to discuss if not acc will be escalated within our collections procedures...."

Sorry for the long post. I can e-mail the letter if you wish to see it.

Do I need to respond with anything? In particular do I need to send "CCA Query - Letter Previously Confirming No CCA" with a copy of letter from Opus received on 21/07/1.

I'm getting a little confused about "true" copy and a "recon true" copy.

many thanks in advance

[Never-In-Doubt]

Re: October Revolution's UE Diary

Sorry for the long post. I can e-mail the letter if you wish to see it.

Do I need to respond with anything? In particular do I need to send "CCA Query - Letter Previously Confirming No CCA" with a copy of letter from Opus received on 21/07/1.

I'm getting a little confused about "true" copy and a "recon true" copy.

many thanks in advance

Hiya, yes that is exactly what you do. If you read the template, then it'll answer your confusion matey.... point here being they can issue a recon but as we know they do not have the original and we also know the recon is incorrect, they will be nuts to try and enforce, thus the DCA even told you they're not looking to enforce as well.

Basically they can and will pursue you, but that's it - eventually it'll stop.....

[Oct Revolution]

Re: October Revolution's UE Diary

many thanks Niddy for your speedy reply,

I will get onto the letter this afternoon.

best regards,

[Never-In-Doubt]

Re: October Revolution's UE Diary

many thanks Niddy for your speedy reply,

bout time I visited my old haunting ground really

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 9

Egg

Activity:

06/10/10 - CCA Request sent
22/10/10 - CCA rec'd (will e-mail to NID for advice)
25/10/10 - "T&C's rec'd" Letter sent to Egg
04/11/10 - Letter rec'd for last; Egg looking into complaint, may take upto 8 weeks
23/11/10 - Reply from Egg ref my complaint:- "the docs provided constitute a true copy of agreement; now satisfied my request for CCA the complaint is now closed; regular monthly payments should continue". NID says bog standard letter ignore for now.

25/01/11 - Letter rec'd from Clarity " ...been instructed by EGG to make arrangements with you to repay above amount……are prepared to offer 15% discount as F&F…and will remain open for 7 days…if unable to pay contact them to agree payment plan….If we do not hear from you will consider options available to us…..inc. rep. visiting or where agreement remains legally enforceable, recommend to client that their solicitors be instructed to commence legal action” Nid says to send "Threat o Gram before action" letter.

27/01/11 - Above letter sent

02/02/11 - Calls received daily from Clarity - Ignoring/Not answering.
08/02/11 - Letter rec'd from Clarity:“we wrote recently but note we have not reached an agreement with you…your acc is in default and full balance is payable immediately….if the agreement remains legally enforceable we will consider recommending our client/solicitors commence legal action.. if you ignore this letter further recovery action will take place…to prevent this pay balance/arrange repayment by instalments via web site; call; e-mail; send cheque”

10/02/11 - NID says ignore last as letter crossed with my letter of 27/01/11

18/02/11 - letter rec'd from Clarity: “thank you for your recent letter…..we have requested further info from EGG and will be in contact once we have received a response”. Assume it’s in response to my letter sent to them on 27/01/11 “threat o gram before legal action”. I will just file and wait to see what happens next.

27/06/11: - letter rec'd 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….”. NID says ignore and see what they send next.

27/06/11 - Receiving over 14 calls a day from Fredrickson: "Harassment by Telephone" letter sent.

05/07/11 - The letter has worked as calls seem to have stopped for now.

08/07/11 - Letter rec'd from Fredrickson: "....as arranged we have enclosed our official Financial Statement form for you to complete....we can not consider your circumstances unless you complete and return....". I will ignore and see what happens next.

14/07/11 - letter rec'd from Fredrickson: "LETTER BEFORE ACTION....this debt must be paid in full in next 7 days otherwise we will refer to solicitors who may take legal action without further notice....further additional costs will be added....bailiff may call....judgement would affect future credit....pay now...." Nid says send "account sold whilst in dispute" - letter sent.

28/07/11 - Letter from Fredrickson in response to my "account sold whilst in dispute" letter:
".....we have referred matter to client....will revert to you when instructions rec'd....acc placed on hold....". will file and see what happens next.

Hi Niddy/In2Deep,

I have an update to the above account:

UPDATE: 05/10/11:

Letter rec'd today from Fredrickson who have now "contacted Egg" and "have enclosed account documents....hope this clarifies matters....look forward to proposals for discharge of acc...."


The documents they have sent are exactly the same as supplied direct to me from Egg on 22/10/10.

Is there anything i need to respond with or just ignore.

many thanks.

[Never-In-Doubt]

Re: October Revolution's UE Diary

Ignore this for now

[Oct Revolution]

Re: October Revolution's UE Diary

Ok Will do Niddy

many thanks

and have a great relaxing holiday with the family - not too much of the falling down water though !

[Never-In-Doubt]

Re: October Revolution's UE Diary

lol cheers mate - see ya in a couple of weeks

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 2

Citibank (Collect Direct UK) 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

01/03/11 - CCA received from Opus; Nid says send CCA Query T&C's supplied template. Letter sent.

03/06/11 - Letter from Cabot Financial: "....we have recently bought acc from Opus/Citi....please call to arrange payment...." Nid says send "Account sold whilst in dispute" template. Letter sent.

11/06/11 - Letter from Cabot: "....looking into complaint....will respond in 20 days...."

07/07/11 - Letter from Cabot: "....still looking into complaint....will require a further 20 days to respond...."

21/07/11 - Letter from Opus in response to my letter of 01/03/11 "...we have provided CCA which complies with CCA 1974....at the moment we are unable to trace copy of signed application form....however we confirm our procedure has always been to obtain customers sig ....as such we are confident CCA is enforceable....failure to make payments will result in collection activities...." Will ignore for now.

01/08/11 - Letter from Cabot: "....still looking into complaint....will have to contact Opus for further info....will contact me again when info received...." Will file and ignore for now.

21/09/11 - letter from Cabot: "....have received info from Opus who have forwarded relevant info which was previously provided to yourself....upon reviewing docs I can clarify Opus have provided a recon true copy of your CCA which complies with CCA request....will not send acc back to Opus....a CCA request is not a method for the avoidance of the debt....contact us in next 14 days to discuss if not acc will be escalated within our collections procedures...." Nid advises send "CCA Query - Letter Previously Confirming No CCA" with a copy of letter from Opus received on 21/07/11. Letter sent.

Hi I2D/Niddy,

I have un update to above account:

UPDATE: 12/10/11:

Letter rec'd from Cabot: "....in your letter you continue to claim agreement is unenforceable....information provided by OPUS is sufficient to meet CCA requirements and refute your claim....enforcement constitutes obtaining Judgement at court....we are not seeking to initiate proceedings....you have been misinformed in relation to arguments you continue to raise....account is now payable - please contact us to arrange payment plan...."


Is there anything I need to send or do I just file and ignore.

many thanks for your help