Oct Revolution's UE Diary

[Never-In-Doubt]

Re: October Revolution's UE Diary

[garlok]

Re: October Revolution's UE Diary

Thats close to a result from Freds. Now looking for someone else to prey on whilst the OC does or does not get their act together.

regards
Garlok

[Oct Revolution]

Re: October Revolution's UE Diary

Thats close to a result from Freds. Now looking for someone else to prey on whilst the OC does or does not get their act together.

regards
Garlok

Thanks Niddy and Garlok,

I had the same letter from Freds back in July for my Egg account which some 4 months later was passed to Arrow Global, so will wait and see what happens here (although I know not all accs are the same and OC/DCA take different routes)

[Never-In-Doubt]

Re: October Revolution's UE Diary

You'll be fine mate - keep us updated

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 4

MBNA (Experto Credite)

Account: Credit Card
Commenced: 1994
Balance: 6k
Date of Last full payment: 11/2009
Start of £1 token Payment: 12/2009
Acc Status: Defaulted 7/2010
Acc Owner: DCA

Further info/details: Last contact September 2010 agreeing to repayment schedule of £1/month. No interest or fees being added.

Activity:
6/10/10 - CCA Request sent

ACCOUNT 10

MBNA (formerly A&L) (Experto Credite)

Account: Credit Card
Commenced: 1997
Balance: 5k
Date of Last full payment: 11/2009
Start of £1 token Payment: 12/2009
Acc Status: Defaulted 6/2010
Acc Owner: DCA

Further info/details: Last contact August 2010 agreeing to repayment schedule of £1/month. No interest or fees being added.

Activity:
6/10/10 - CCA Request sent

ACCOUNT 11

MBNA (formerly B of S) (Experto Credite)

Account: Credit Card
Commenced: 1997
Balance: 5k
Date of Last full payment: 11/2009
Start of £1 token Payment: 12/2009
Acc Status: Defaulted 6/2010
Acc Owner: DCA

Further info/details: Last contact August 2010 agreeing to repayment schedule of £1/month. No interest or fees being added.

Activity:
6/10/10 - CCA Request sent

Hi Niddy/IN2deep,

Out of the blue and after 15 months of not hearing anything from these lot - let alone a response to, or even my CCA - they have just started calling me. Quite a lot at the moment 6 times on Wednesday and 9 times yesterday (3 calls within 5 mins of each other), and 2 so far today.

Although I do not know which account they are calling about (that's if it is for one of the above accs) do I need to send the "Telephone Harassment" letter out?

Do I need to send 3 separate letters or put them all in one envelope?

many thanks

[Deepie]

Re: October Revolution's UE Diary

Hi Niddy/IN2deep,

Out of the blue and after 15 months of not hearing anything from these lot - let alone a response to, or even my CCA - they have just started calling me. Quite a lot at the moment 6 times on Wednesday and 9 times yesterday (3 calls within 5 mins of each other), and 2 so far today.

Although I do not know which account they are calling about (that's if it is for one of the above accs) do I need to send the "Telephone Harassment" letter out?

Do I need to send 3 separate letters or put them all in one envelope?

many thanks

I Would ignore...untill they write to you ...Not easy sometimes try and log the number and times...

[Undercover Elsa]

Re: October Revolution's UE Diary

They're obviously short on their December targets. There's always a frantic rush of extra activity at Christmas..trying to catch people out before they spend up.

[Oct Revolution]

Re: October Revolution's UE Diary

I Would ignore...untill they write to you ...Not easy sometimes try and log the number and times...

yeah I'm logging all calls and I will wait and see if they write.

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.

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.

13/09/11 - rec'd letter from AIC - similar to last one (I wonder if they will send one every month !) - Will ignore.

23/11/11 - Letter rec'd from Fredrickson International: “….instructed by Tesco 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 to IGNORE

02/12/11 - Letter from Fredrickson: "LETTER BEFORE ACTION....this debt must be paid in full in next 7 days otherwise we will take immediate action....legal action now being considered....further additional costs will be added....bailiff may call....judgement would affect future credit....pay now...." I2D says send "Threat o Gram letter Before Action" - letter sent.

10/12/11 - Yellow Letter rec'd from Fredrickson: "CONFIRMED RESIDENT....acc seriously in arrears...you have failed to correspond or make payment despite trace enquiries showing you live at this address....contact us.... failure to arrange payment your acc will be passed to solicitors with authorisation to proceed with immediate proceedings against you...." I2D says ignore as its crossed with my last letter.

16/12/11 - Letter from Fredrickson in response to my "threat o gram before action" 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 I2D/Niddy,

I have an update to above account:

UPDATE: 23/12/11:

Letter rec'd from Fredricksons: "....we have been in contact with you....you informed us information in respect to this debt was incorrect....we provided details of dispute to our client who now state debt details are correct....we would like to discuss matter with you....please call us in next 7 days...."

Do I need to respond with anything or see what their next move is.

[Never-In-Doubt]

Re: October Revolution's UE Diary

see what their next move is.

exactly mate

[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.

28/04/11 - Letter rec’d from Green & Co Solicitors: “….instructed by our client Triton/RBS….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

13/05/11 - Letter from Triton in response to my last letter: “….write with ref to recent correspondence ….our records show RBS complied with your CCA request with all relevant docs….further to this RBS 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 send Enough is Enough Template - letter sent.

13/06/11 - Letter rec'd from Risk Management Alternatives (RMA): ".... your RBS acc has been passed to us....the full outstanding balance is due in full....RBS will no longer accept communication from you.... future communication/payment should be made to RMA....contact us now to pay/agree suitable payment plan...." NID says ignore.

29/06/11 - Telephone harassment letter sent.

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

09/07/11 - Letter from RMA: "....despite our attempts to reach suitable agreement the matter remains unresolved....if not rectified in next few days no alternative other than to recommend to client to take legal action....this is not our preferred route....if in difficulties speak to CAB etc....please call us today....". Account sold whilst in dispute letter sent as per In 2 Deep.

14/12/11 - Letter rec'd from Westcot (new DCA for this acc): "....we have been instructed by RBS to collect outstanding balance....to avoid further action pay debt in full or contact us....failure to do so will result in further recovery action....". NID says wait to see what their next move is.

Hi I2D/Niddy,

I have an update to above account:

UPDATE: 23/12/11:

Letter rec'd from Westcot: "....FINAL NOTICE ....our latest enquiries confirm you are resident at this address but we have received no reply to previous letter....contact us in next 10 days or further collection activities will begin....please do not ignore....we or client could take legal action against you....or refer debt to a door step collection agency....it is very important you take IMMEDIATE action to resolve this issue....contact us...."

Do I need to respond with anything or see what their next move is.

many thanks

[Oct Revolution]

Re: October Revolution's UE Diary

exactly mate

many thanks Niddy - I will wait and see what their next move is.

[Never-In-Doubt]

Re: October Revolution's UE Diary

Do I need to respond with anything or see what their next move is.

many thanks

See what their next move is matey

[Oct Revolution]

Re: October Revolution's UE Diary

See what their next move is matey

One again Niddy will do

Many thanks

[Oct Revolution]

Re: October Revolution's UE Diary

Morning Niddy and morning In2Deep,

I'd just like to wish you and everyone else on this forum a very Merry Christmas and Best Wishes and Every Happiness for 2012.

I'd also like to thank you for all the help and advice that has been invaluable on this site.

Also, today in the post I have received 2 "Christmas presents" from MBNA which I will update my accounts shortly.


Once again thanks for all the help.

best wishes,