Oct Revolution's UE Diary

[ScabHunter]

Re: October Revolution's UE Diary

What the hell is a "field agent", James Bond standing in a cowpat?

Personally, I would send the doorstep threat letter. If you don't let them know that you object to this harassment, they can always hide behind that excuse.

SH

[Deepie]

Re: October Revolution's UE Diary

What the hell is a "field agent", James Bond standing in a cowpat?

Personally, I would send the doorstep threat letter. If you don't let them know that you object to this harassment, they can always hide behind that excuse.

SH

Me too............

[Oct Revolution]

Re: October Revolution's UE Diary

Me too............

Thanks I2D and Scab Hunter,

I'll get the letter sent off tomorrow.

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 1

First Direct (Metropolitan Collection Services)

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 illegible so as it stands it's UE. Ignore and see what happens next.

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...." I2D says send CCA Query - Application Form Received - Letter sent.

08/03/12 - Same letter as above rec'd from METROPOLITAN - will ignore.

24/03/12 - Letter rec’d from Metropolitan: “…disappointed not been able to come to agreement…call us immediately to discuss proposals…may agree discount…repayment or settlement proposal…contact us today…”. I will IGNORE

17/04/12 - letter rec'd from Metropolitan: "...you have failed to make payment as requested...no alternative but to take further action...may involve doorstep collection...legal proceeding...CCJ...bailiff visiting...attachment of earnings...further legal fees added to debt...contact us to arrange payment...". Advised to send "Creditor refusal to accept UE" letter.

01/05/12 - Letter rec'd from Metropolitan: "...in response to last letter...CCA is enforceable....burden lies with borrower to demonstrate to the court that the Bank has failed...any further costs will be met by you...we require your payment proposals in next 14 days...". I will IGNORE and see what they send next.

08/05/12 - Letter rec'd from Metropolitan: "...we are referring your acc to DG Solicitors who will contact you direct...they have been selected to help/understand your circumstances...where possible agree an affordable re-payment plan...". Will wait to see what DG Solicitors send next.

12/05/12 - Letter received from D G Solicitors: "...We act for HSBC...despite demand payment has not been made...we may be instructed to take legal action...obtain CCJ...to avoid pay within 14 days or make arrangements for re-payment...please contact us...". Niddy says send "Threat of litigation" - Letter sent.

02/0612 - Letter rec'd from DG Solicitors: "...IMPORTANT YOU RESPOND TO THIS COMMUNICATION...please call us within 24 hours...if you DO NOT it may NOT be possible to avoid legal action...". I will ignore and see what they do next.

11/06/12 - Letter rec'd from DG Solicitors: "......despite a number of attempts to contact you...disappointed we have not rec'd payment proposals...our client is willing to agree reasonable repayment proposals...please call to discuss...". Niddy says send a cover letter saying "see attached" and send a copy of the last letter, ie the threat of litigation from earlier in may (12th?)- letter sent

21/06/12 - Letter rec'd from DG Solicitors: "...despite previous demands you have failed to pay this debt...unless immediate payment is made we have been asked by our client to instruct DCA to recover...it is possible there may be another solution...our client is willing to offer a discount of 20% to the amount outstanding and accept this sum as F&F as long as paid in 10 days...if you can pay this discounted sum contact us to arrange payment..." NID says send "CCA query - Creditor refusal to accept UE" - letter sent.

02/07/12 - Letter rec'd from Metropolitan: "...your acc is being transferred to our CENTRAL DEBT RECOVERY UNIT...they will contact you to arrange payment...". I will file and see what I get next from them.

04/07/12 - Letter rec'd from Central Debt Recovery Unit (as promised above!): "...debt referred to us for immediate collection...we specialise in debs where normal methods of recovery have proved ineffective...to bring this matter to a conclusion pay the full amount in next 7 days...if you cannot pay you must telephone us...". I2D says to send "Account sold whilst in dispute" - letter sent.

18/07/12 - Letter rec'd from Central Debt Recovery Unit: "...WE WILL BE REVIEWING YOUR ACCOUNT FOR FURTHER ACTION...if you wish to prevent this call us...". I will ignore and see what they send next as they have not responded to my last letter.


28/07/12 - Letter rec'd from Central Debt Recovery Unit: "...we understand you are experiencing financial difficulties...our client is prepared to offer 30% discount as FFS...upon receipt in 14 days of payment we will mark file with CRA as satisfied...if unable to accept this offer we are prepared to accept £50 per month...please contact us...". I will file and see what they send/do next.


24/08/12 - Letter rec'd from Metropolitan: "...your acc is being transferred to Wescot Credit Services who will contact you in next 14 days....". I will file and await their letter

31/08/12 - Letter from Wescot (as expected): "...been instructed by our client to collect outstanding balance...to avoid further action you should pay the debt in full OR contact us...". I2D says to send "account sold whilst in dispute" template letter - letter sent.

12/09/12 - Letter rec'd from Wescot: "...FINAL NOTICE...our latest enquiries are that you are resident at this address...as no reply to our previous letters we now require full payment in 10 days...failure to do further collection activities will be taken...may result in legal action being taken against you...or refer debt to doorstep collector...contact us immediately...". I2D says send "Threat o gram before action letter"

20/09/12 - Letter rec'd from Westcot: "...acknowledge you have a query on account...we will investigate and get back to you...may take several weeks...all collection activities will stop whilst being investigated...". I will file and see what they come back with next.

Hi Niddy/I2D

I have an update to above account:

UPDATE: 15/10/12

Letter rec'd from Wescot: "...we have contacted our client who say have sent you many responses to this query as you have had advised not received any...we believe dispute is now resolved...full balance or agreed monthly insalment is now required...please contact us..."

Not sure what they are on about with the "many responses" probably just a load of bull****.

Anyway, do I need to send anything or just sit tight and see what they do next.

Many thanks

[Oct Revolution]

Re: October Revolution's UE Diary

Indeed, what else would you expect from Hull Heroes Wetclothes?
If it was me, that's what I'd do. I'd wait to hear from their letterheads-for-rent Nelson Gits Puppets which is likely to be their next step.

Thanks Flowerpower,

I was thinking along those lines. Getting quite use to these letters from Wescot as I have them involved with 3 of my accounts now and all letters seem to follow the same path.......

I will gladly ignore and see what they do next.

[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.

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...." I2D says ignore and see what happens next.

30/01/12 - Letter rec'd from Nelson Guest & Partners Solicitors: "....instructed by Wescot....willing to consider realistic payment proposals....cannot remain outstanding....if full payment/proposals are not made within 10 days further recovery activity will be undertaken....to prevent call Westcott urgently...." I2D says to send "Account sold whilst in dispute" - letter sent.

09/02/12 - Letter rec'd from Westcot: "....DOOR STEP COLLECTION NOTICE....we know of no genuine reason not to repay this debt....instructions will now be provided to our agent to visit your home to agree payment plan...." "doorstep visit" template sent.

20/02/12 - Letter rec'd from Westcot (in response to my last letter): "....we act within OFT guidelines....our door to door agents will make an appointment with you prior to visiting....trust this clarifies matter....". I will ignore and file for the time being.

22/02/12 - Another letter rec'd from Westcot: "....following your request for a copy of CCA.... our client has requested you write to them requesting a copy enclosing £1....trusting the above clarifies situation....". Are they playing silly buggers or don't know what left hand from right is doing. I2D says IGNORE

22/03/12 - Letter rec'd from Credit Security Limited: "...instructed by our client to recover debt...unless there is a valid reason not to pay amount is due in 7 days....contact us to arrange payment...". I2D says to IGNORE

02/04/12 - Letter rec'd from Credit Security Limited: "...we cannot trace a reply to our recent letter...we DEMAND payment IMMEDIATELY to this office...failure will result in a DEBT COLLECTOR calling upon you for payment...". I2D says send "Harassment & threat of doorstep visit". Letter sent.


12/04/12 - Letter rec'd from Credit Security Limited: "...we write in reply to your letter....our letter stated acc has been transferred to us...we look forward to receiving a payment and repayment proposal in order to resolve matter..." I will IGNORE for now.

17/04/12 - letter from Credit Security Ltd: "...once again you have disregarded our request for payment...left with one course of action before refereeing your acc to a doorstep agent...final gesture to resolve our client is prepared to offer reduced sum as FFP...contact us...". Advised to send "acc sold whilst in dispute" letter.

23/04/12 - letter from Credit Security Ltd: "...write in reply to last letter...have noted comments...we will take no further action...account passed backed to Westcot..."

12/05/12 - letter from westcot: "...we have contacted our client who state sent final response in April 2011....dispute now resolved...full balance or agreed monthly payments required by return....please contact us within 14 days or acc will be passed to our collection team...". I will IGNORE and see what happens next.

15/08/12 - Letter rec'd from Regal Credit Consultants Ltd: "...your details have been passed to us by RBS to act as agents...we will contact you in next 7 days by Letter/phone to discuss payment of acc....". "Acc sold whilst in dispute" letter sent.

29/08/12 - Letter from Regal Credit: "...in receipt of complaint...we are looking into your complaint...we will contact you in due course...". I will file and await their reply.

06/09/12 - Letter rec'd from Regal Credit: "...we have looked into your complaint and contacted our client...who confirm CCA requested was fully complied with in Oct 2010...we will continue with collections...acc on hold for 2 weeks so you can contact us and provide us with payment proposals...". I2D says ignore and see what they do next.

10/10/12 -Letter rec'd from Regal Credit: "...despite previous attempts to contact you the balance still remains outstanding...unless we can discuss re-payment plan over the phone your acc will be passed to our field agents to visit you to discuss the matter...please contact us to arrange convenient time to visit you...". "Threat of door step visit" letter sent.

Hi Niddy/I2D,

I have an update to the above account:

UPDATE: 01/11/12:

Letter rec'd from Scotcall (as expected): "...IMPENDING DEBT COLLECTION VISIT...we are authorised to collect above debt...important you make payment within 7 days to avoid escalation which involves a HOME VISIT...should you ignore, your case will be referred to field based debt collectors who will visit the above address..."

What do you advise I send back? "account sold whilst in dispute" or "doorstep threat" letter or a combination of both?

many thanks in anticiation

[Deepie]

Re: October Revolution's UE Diary

Hi Niddy/I2D,

I have an update to the above account:

UPDATE: 01/11/12:

Letter rec'd from Scotcall (as expected): "...IMPENDING DEBT COLLECTION VISIT...we are authorised to collect above debt...important you make payment within 7 days to avoid escalation which involves a HOME VISIT...should you ignore, your case will be referred to field based debt collectors who will visit the above address..."

What do you advise I send back? "account sold whilst in dispute" or "doorstep threat" letter or a combination of both?

many thanks in anticiation

Combination of both .........

[Oct Revolution]

Re: October Revolution's UE Diary

Combination of both .........

Many thanks in 2 deep,

I will get onto it and psot out tomorrow.

[Oct Revolution]

Re: October Revolution's UE Diary

I sent the two letters in one envelope back in Jan and the wrote back to me on the day they got them, saying "please find attached paperwork for an account we are no longer handling" enclosing copies of my two letters. That was the last I ever heard about that account!

Nearly a year now

Hi Flowerpower,

yeah, I've had a good read of your diary and hope this account goes the same way.......

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 5

Barclaycard Visa (Mercers/Calders)

Account: Credit Card
Commenced: 1986
Balance: 8k
Date of Last full payment: 11/2009
Start of £1 token Payment: 12/2009
Acc Status: Defaulted 4/2010
Acc Owner: DCA (in-house DCA)

Further info/details: Agree to £1/month payments. Last contact June 2010 (statement). No interest or fees being added.

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 VISA:“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.

19/02/11 - CCA received from Barclaycard Visa; It just looks like old and new T&C’s.
22/02/11 - Nid says send CCA Query "T&C's supplied" template.
22/02/11 - Above letter sent
02/03/11 - Letter from Barclaycard VISA 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.

26/03/11 - Letter rec’d from Calder Financial offering: “A Settlement opportunity …. Our client has agreed to accept settlement offer in payment of outstanding debt…." I will ignore for now.

30/03/11 - Letter rec’d from Calder’s: “IMPORTANT NOTICE: …we are still dealing with your account….is still overdue….we have instructed local debt collector to visit you at home to arrange payment….”. NID says send Harassment & Threat of Doorstep-Visit Template. Letter sent.

28/04/11 - Letter rec'd from Calder Financial: "PRE LEGAL NOTICE - we have not received any reply or payment. If you fail to contact us we may take one or more of the following actions: Visit your home to obtain payment; Try to obtain a charge on property; Court order to deduct debt from wages; Seizure and sale of personal belongings" NID says send Threat o Gram before action. Letter sent.

07/05/11: - letter from Barclaycard Visa ref my last letter to Calders on 30/03/11: “can not uphold my complaint….do not agree doorstep visit will breach any laws or regulations….Calder will use all available means to contact you…." NID says ignore.

09/05/11 - Letter from Barclaycard Visa (again) in response to my letter to Calders on 28/04/11: “….see from our records we have sent Final Response….we have right to instruct 3rd party to act for us and will continue to contact you by phone, letter or personal visit….docs we have supplied are in accordance with CCA….do not consider to be in dispute….allegations it is not will be opposed….your agreement is enforceable….”. NID says send "Enough is Enough" template. Letter sent.

13/05/11 - Letter from Calder: “Final opportunity to Settle Your Debt….our client has agreed by way of concession to accept settlement offer….contact us….if you fail to call within 7 days offer will be withdrawn….acc returned to Barclaycard….could be sold or placed with another DCA….”. NID says ignore.

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….” in 2 deep says send "Account sold whilst in dispute". Letter sent

06/09/11 - Letter rec’d from MKRR in response to my “Acc sold whilst in dispute” letter:“….at this time unable to resolve your concern….we will need to liaise with Barclaycard and will contact you as soon as we receive response….we are unable to return acc to Barclaycard as the acc was assigned and transferred to us which means we are the effective owners….”. I will ignore and see what happens next.

Morning Niddy/I2D,

I have an update to above account:

UPDATE: 05/11/12:

Letter rec'd from MKDP; "...we write further to our letter of acknowledgement and apologise we are still unable to resolve your query...we are still liasing with Barclaycard and will contact you soon as we receive a response..."

Wow they are taking their time - last I heard from them was 14 months ago (06/09/11) - I can only assume they are unable to locate my CCA.

I can hear that clock ticking...........

I will file and wait to see what happens next.

many thanks everyone

[Deepie]

Re: October Revolution's UE Diary

Morning Niddy/I2D,

I have an update to above account:

UPDATE: 05/11/12:

Letter rec'd from MKDP; "...we write further to our letter of acknowledgement and apologise we are still unable to resolve your query...we are still liasing with Barclaycard and will contact you soon as we receive a response..."

Wow they are taking their time - last I heard from them was 14 months ago (06/09/11) - I can only assume they are unable to locate my CCA.

I can hear that clock ticking...........

I will file and wait to see what happens next.

many thanks everyone

And here---------> http://forums.all-about-debt.co.uk/s...&postcount=281

[Oct Revolution]

Re: October Revolution's UE Diary

Of course they can't! Barcraps are notoriously bad at retrieving CCAs even for newer accounts. For one going back to 86, not a chance!

You are sooooooooo lucky you took this one out in 86 and not a year earlier...

Thanks FP,

We love it. 3 years ago I didn't know what to do and where I was going BUT thanks to this site: Niddy, I2D and lots of other goods friends on here I gained confidence - we can, and we will beat them. To anyone new on here read the diaries...it does help..it does work and we can beat them. We are all here together to help and beat them....

My diary is a bit long (like others) but you can see how it all unfolds, where we've been and how it pans out. Perhaps, it doesn't show the roller coaster of feelings but we can all learn.

I thought it would'nt work. I assumed BIG organisations would keep their records in order - thats the least they should do. BUT after liberisation of the banks all they saw was big bucks from us lot in high interest rates; charges and chucking money at us - and yes we took the carrot but they've beat us ever since.

Now we know how crooked they are thats why the county, the world is on it's knees, thanks to them. SO, please do not feel guilty - they are'nt worried so we shouldn't - Fight fire with fire.

Good luck to old friends on here and new friends...we've got a great community behind us with lots of experience, we'll get their together with lots of help.

Keep smiling ... fight the good fight ...

At the end of the day we are all/will be winners

[Oct Revolution]

Re: October Revolution's UE Diary

And here---------> http://forums.all-about-debt.co.uk/s...&postcount=281

I love it I2D,

Thanks for your help and Niddy and others here,

see my previous post - we all will get there.

[Never-In-Doubt]

Re: October Revolution's UE Diary



Hope all is well matey....

[Oct Revolution]

Re: October Revolution's UE Diary

Hope all is well matey....

I'm fine Nidster (hope you and yours are),

Nice to hear from you - and as ever many thanks,