Oct Revolution's UE Diary

[Oct Revolution]

Re: October Revolution's UE Diary

Thanks for your support Susie,

Hope all is going well with your UE journey.

I will wait and see what happens next with my Experto Credite/MBNA account, and will post back on here with any future letters/developments for help and guidance.

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.

23/12/11 - Letter 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....". NID says wait and see what their next move is.

Hi Niddy/In2deep,

I have an update to the above account:

UPDATE: 06/01/12

Letter rec'd from Bryan Carter Solicitors: ".....payment must be made in next 14 days....failing we will recommend to client that proceedings be issued without further notice....should this happen additional charges will be added....if you dispute this debt please state in writing with documentary evidence....before we refer acc for litigation you have an opportunity to contact Fredricksons with payment proposals....this is a serious matter....you may need to seek legal advice...."



Do I need to respond with anything or ignore and see what they send/do next.

many thanks,

[Never-In-Doubt]

Re: October Revolution's UE Diary

Hi Niddy,

thanks for looking at the above.

I was quite surprised they produced a CCA after almost 15 months had passed since my CCA request and even more surprised they could find one after 18 years which looks to be enforceable.

I suppose I can't complain as my other 2 Experto Credite/MBNA accounts are


I will, as you say, blag it for now and see what they send next.


as ever many thanks for your help and advice

Please send me this again mate. I'll double check as to be fair my heads fried lately.

[Never-In-Doubt]

Re: October Revolution's UE Diary

Hi Niddy/In2deep,

I have an update to the above account:

UPDATE: 06/01/13

Letter rec'd from Bryan Carter Solicitors: ".....payment must be made in next 14 days....failing we will recommend to client that proceedings be issued without further notice....should this happen additional charges will be added....if you dispute this debt please state in writing with documentary evidence....before we refer acc for litigation you have an opportunity to contact Fredricksons with payment proposals....this is a serious matter....you may need to seek legal advice...."



Do I need to respond with anything or ignore and see what they send/do next.

many thanks,

Send ---> Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation

[Oct Revolution]

Re: October Revolution's UE Diary

Please send me this again mate. I'll double check as to be fair my heads fried lately.

Ok Niddy will be sending over in next 5 mins.

[Oct Revolution]

Re: October Revolution's UE Diary

Send ---> Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation

thanks again Niddy and for your quick response.

I will get the letter processed and send out RD.



AS ever many thanks

[Never-In-Doubt]

Re: October Revolution's UE Diary

Ok Niddy will be sending over in next 5 mins.

Mate can you recall your start credit limit when you got the card and even better, the apr? Did you pay an annual fee or was it absorbed into the actual card cost thus creating a higher apr or did they not charge one?

Cheers

[Oct Revolution]

Re: October Revolution's UE Diary

Mate can you recall your start credit limit when you got the card and even better, the apr? Did you pay an annual fee or was it absorbed into the actual card cost thus creating a higher apr or did they not charge one?

Cheers

Hi Niddy,

To be totally honest with you I can't remember. I think the start credit limit was £5000 but that's only a guess and I think there was an annual fee of £10 added to the card but if £1500 worth of purchases were made each year the fee was waived. As for the APR I have no idea.

Sorry I can't be of more help but it's quite some time ago and I've checked through all docs which I have and can't find anything relating to this or nothing going that far back.

thanks

[pompeyfaith]

Re: October Revolution's UE Diary

Hi Niddy/In2deep,

I have an update to the above account:

UPDATE: 06/01/13

Letter rec'd from Bryan Carter Solicitors: ".....payment must be made in next 14 days....failing we will recommend to client that proceedings be issued without further notice....should this happen additional charges will be added....if you dispute this debt please state in writing with documentary evidence....before we refer acc for litigation you have an opportunity to contact Fredricksons with payment proposals....this is a serious matter....you may need to seek legal advice...."



Do I need to respond with anything or ignore and see what they send/do next.

many thanks,

Is the red highlight a typing error or did bryan carters get the date wrong ?

[Oct Revolution]

Re: October Revolution's UE Diary

Is the red highlight a typing error or did bryan carters get the date wrong ?

Hi pompeyfaith,

it should be 12 - I'm wishing my life away !!

mind you it wouldn't surprise me if Carters did put that date.

I'll go back and amend.

[pompeyfaith]

Re: October Revolution's UE Diary

Hi pompeyfaith,

it should be 12 - I'm wishing my life away !!

mind you it wouldn't surprise me if Carters did put that date.

I'll go back and amend.

Exactly, I hate this company with a vengeance lol if that is today's standard of solicitors god help us all lol

[Never-In-Doubt]

Re: October Revolution's UE Diary

^^^ Post above edited!

Pompey, that was too close to home mate

[Never-In-Doubt]

Re: October Revolution's UE Diary

Hi Niddy,

To be totally honest with you I can't remember. I think the start credit limit was £5000 but that's only a guess and I think there was an annual fee of £10 added to the card but if £1500 worth of purchases were made each year the fee was waived. As for the APR I have no idea.

Sorry I can't be of more help but it's quite some time ago and I've checked through all docs which I have and can't find anything relating to this or nothing going that far back.

thanks

Thus it is enforceable then mate - without that info (clutching at straws) I cannot find fault with that agreement - really sorry.

I was hoping to find fault with the APR vs Limit and / or annual fee thing but can't as you can't furnish me the details.

Its one of those you just have to take on the chin I'm afraid - try and blag it and see what happens.... consider sending Bryan Carter the template as directed previously......

[pompeyfaith]

Re: October Revolution's UE Diary

Niddy,

Cheers m8 yes perhaps it was.

Regards

[Oct Revolution]

Re: October Revolution's UE Diary

Thus it is enforceable then mate - without that info (clutching at straws) I cannot find fault with that agreement - really sorry.

I was hoping to find fault with the APR vs Limit and / or annual fee thing but can't as you can't furnish me the details.

Its one of those you just have to take on the chin I'm afraid - try and blag it and see what happens.... consider sending Bryan Carter the template as directed previously......

Thanks for all your help and time on this one Niddy.

I will, as you've previously advised, blag this one and see what Experto Credite/MBNA send next and I will take the appropriate action as advised by yourself.

I will also be sending the template as directed previously to Carters ref my Tesco acc.

many thanks,