Oct Revolution's UE Diary

[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.

23/12/11 - Letter rec'd from Westcot: "....FINAL NOTICE ....our latest enquiries confirm you are resident at this address....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...." Nid says ignore and see what they do next.

Hi Niddy/I2D,

I have an update to above acc:

UPDATE: 09/01/12

Letter rec'd from Nelson Guest & Partners: "....we are instructed by Westcot as a final attempt to avoid further action to offer you a discount....limited period only....contact Westcot....if no settlement agreed we will continue to recover full amount...we may be able to offer a realistic payment plan....if no contact in next 10 days further recovery action will be taken....contact Westcot...."


I assume I ignore the above and see what they do next.

many thanks

[Deepie]

Re: October Revolution's UE Diary

Yes just ignore for now.........

[Oct Revolution]

Re: October Revolution's UE Diary

Many thanks I2D

[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.

12/10/11 - Letter rec'd from Cabot: "....you continue to claim agreement is unenforceable....information provided by OPUS is sufficient to meet CCA....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...." In2Deep says ignore.

24/10/11 - E-mail received from Cabot: "....according to our records debt still remains unpaid....contact us urgently....failure to do so your account will be escalated to next stage of our collections process...." NID/In2Deep say to ignore.

17/11/11 - another e-mail from Cabot: "this is last chance to agree a suitable payment plan before we move acc to our Pre Litigation Department....contact us now....". In2deep says send "Threat o gram before action letter" - letter sent.

25/11/11 - Letter from Cabot in response to my "threat o gram before action" letter: "Our Final Response To Your Complaint....you continue to claim agreement is unenforceable....information provided by OPUS is sufficient to meet CCA requirements....you have been misinformed in relation to arguments you continue to raise....recommend you seek legal advice....account is now payable...." NID says ignore

06/12/11 - E-mail from Cabot: "your acc has been escalated to our PRE-LITIGATION DEPT....we may issue a claim for County Court Judgement....may insruct external DCA or Legal Agency to call on you....most important you contact us to stop further action....". I2D says ignore.

13/12/11 - yet another e-mail from Cabot: "IMPORTANT - PLEASE DO NOT IGNORE....your acc continues to be in default....despite previous requests you have failed to settle....outstanding balance is payable immediately....if you do not take positive action to settle acc we will either forward acc to External DCA or commence legal action....further costs may apply....contact Cabot immediately...." NID says ignore but next e-mail I receive send "This email address is no longer active - please resort to an alternative method of contact" message back.

Hi Niddy and In2deep,

another e-mail just rec'd from Cabot today: "....our offer to you....we can offer you a 40% discount to your outstanding debt....if paid in next 30 days....we will close acc and mark as settled with CRA....contact us now...."


I will ignore and see what happens next.

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 1

First Direct (Metropolitan Collection Services)

Account: Credit Card
Commenced: 2003
Balance: 22k
Date of Last full payment: 11/2009
Start of £1 token Payment: 12/2009
Acc Status: Defaulted 2/2010
Acc Owner: DCA (in-house DCA)

Activity:
6/10/10 - CCA Request sent
22/10/10 - letter rec'd from MCS "not in a position to respond to my request; once we are will respond with relevant documetation."

10/12/11 - After almost 15 months of no contact I've finally heard from Metropolitan Collection services: "....we enclose a copy of your executed agreement inc. terms and conditions....consequently we now require your offer of payment....". All they have provided is a one page application form and nothing else. The copy is a really bad one too. NID says copy is ilegible so as it stands it's UE. Ignore and see what happens next.

Hi Niddy/In2deep,

I have an update to above account:

UPDATE: 19/01/12:

Letter rec'd from METROPOLITAN: "....agreement to hold this acc has now expired and you have failed to contact us....we now require payment....you must telephone us to avoid possibility of legal action....we now require your offer of payment....failure to contact us in 7 days will result in continued recovery action...."

Do I need to respond with anything or just ignore.

I await your reply

Many thanks.

[Deepie]

Re: October Revolution's UE Diary

Hi Niddy/In2deep,

I have an update to above account:

UPDATE: 19/01/12:

Letter rec'd from METROPOLITAN: "....agreement to hold this acc has now expired and you have failed to contact us....we now require payment....you must telephone us to avoid possibility of legal action....we now require your offer of payment....failure to contact us in 7 days will result in continued recovery action...."

Do I need to respond with anything or just ignore.

I await your reply

Many thanks.

I Would send this >
CCA Query - Application Form Received

[Never-In-Doubt]

Re: October Revolution's UE Diary

Metropolitan IS HSBC mate. Same office in Coventry - the works

[Oct Revolution]

Re: October Revolution's UE Diary

I Would send this >
CCA Query - Application Form Received

Metropolitan IS HSBC mate. Same office in Coventry - the works

Thanks I2D - i will get that sorted.

Hi Niddy,

Yeah I understand they are one of the same and using the usual tactics - that they have passed it on to an external DCA to scare people - when it is still "in- house".

I will send the template as suggested above by I2D.

many thanks to both of you for your quick replies.

[Never-In-Doubt]

Re: October Revolution's UE Diary

cheers buddy

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 4

MBNA (Experto Credite)

Account: Credit Card
Commenced: 1994
Balance: 11k
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:
06/10/10 - CCA Request sent

31/12/11 - Letter rec'd from Experto Credite along my CCA. Niddy says and to blag for moment and see what happens !!!

03/01/12 - Telephone harassment letter sent.

Hi Niddy/In2deep,

I have an update to above account:

UPDATE: 20/01/12:

Letter rec'd from Experto Credite (in response to my Telephone harassment letter):....we are happy to deal with this matter in writing....we will keep your telephone number on record should our letters remain unanswered....we have not contacted you via phone for over a year....level of contact from us complies with guidelines....look forward to payment/repayment proposals within 14 days...."

Not sure what they are on about when they say they have not been phoning me as I have a log of over 10+ calls a day starting from December 2011 - although no calls yesterday and none today so far, so they may have stopped.

Do I need to respond with anything or just ignore.

I await your reply

Many thanks.

[Oct Revolution]

Re: October Revolution's UE Diary

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:

06/10/10 - CCA Request sent

24/12/11 - Letter rec'd from Experto Credite: "....following your CCA request....been advised by MBNA they are currently unable to produce a copy....we are therefore aware agreement is currently unenforceable....we will not enforce any action to recover balance....however outstanding balance is still payable and will not be written off....please contact us....". I will look after this letter very well .

03/01/12 - Telephone harassment letter sent.

Hi Niddy/In2deep,

I have an update to above account:

UPDATE: 20/01/12:

Letter rec'd from Experto Credite (in response to my Telephone harassment letter):....we are happy to deal with this matter in writing....we will keep your telephone number on record should our letters remain unanswered....we have not contacted you via phone for over a year....level of contact from us complies with guidelines....look forward to payment/repayment proposals within 14 days...."

Not sure what they are on about when they say they have not been phoning me as I have a log of over 10+ calls a day starting from December 2011 - although no calls yesterday and none today so far, so they may have stopped.

Do I need to respond with anything or just ignore.

I await your reply

Many thanks.

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 11

MBNA (formerly B of S) (Experto Credite)

Account: Credit Card
Commenced: 1997
Balance: 9k
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:
06/10/10 - CCA Request sent

24/12/11 - Letter rec'd from Experto Credite: "....following your CCA request....been advised by MBNA they are currently unable to produce a copy....we are therefore aware agreement is currently unenforceable....we will not enforce any action to recover balance....however outstanding balance is still payable and will not be written off....please contact us....". I will look after this letter very well .

03/01/12 - Telephone harassment letter sent.

Hi Niddy/In2deep,

I have an update to above account:

UPDATE: 20/01/12:

Letter rec'd from Experto Credite (in response to my Telephone harassment letter):....we are happy to deal with this matter in writing....we will keep your telephone number on record should our letters remain unanswered....we have not contacted you via phone for over a year....level of contact from us complies with guidelines....look forward to payment/repayment proposals within 14 days...."

Not sure what they are on about when they say they have not been phoning me as I have a log of over 10+ calls a day starting from December 2011 - although no calls yesterday and none today so far, so they may have stopped.

Do I need to respond with anything or just ignore.

I await your reply

Many thanks.

[Deepie]

Re: October Revolution's UE Diary

^^^^^^^^^^^^I Would ignore all 3 for now.....

[Oct Revolution]

Re: October Revolution's UE Diary

Thanks for that I2D,

I though that would be the case, but wanted to keep my diaries up to date.



Still no more calls received today

[Never-In-Doubt]

Re: October Revolution's UE Diary

God you're getting loads of updates

25 pages and going