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.

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.

20/02/12 - Letter rec'd from MKRR: "....Barclaycard are currently unable to provide copy of CCA....are unable to enforce....you should continue to pay the debt .... we will take any action short of enforcement.... obliged to seek payment....MKRR are now legal owner....contact us to arrange payment plan....". I will keep this letter very safe with my other letter from Moorcroft stating similar.

20/03/12 - Letter rec'd from MKRR: "...FINAL NOTICE...as not taken up our offer we must now inform you we are instructing our pre-legal dept. to review your acc for action....may commence litigation...it is not too late to resolve...contact us...". NID says ignore

30/03/12 - Letter rec'd from MKRR: "...FINAL DEMAND...as not taken up our offer acc is now with pre-legal team....no option but to transfer to Raven Recoveries to resolve on our behalf...may involve CCJ and all what that will involve...final opportunity...we can help...do not want to take legal action...contact us to avoid this option..." I2D says send "Threat by creditor to commence litigation". Letter sent.

17/04/12 - Letter from MKRR: "...in receipt of last letter ...will contact Barclaycard for further investigation...". I will file and await their investigations.....

27/04/12 - Letter rec'd from Raven Recoveries: "...having not paid MKRR we are instructed to collect outstanding balance...payment in full required unless you can give a reason for not...contact us to re-pay...failure to do so in 7 days may assess your acc for further action". I will IGNORE for now.

09/06/12 - Letter rec'd from Raven Recoveries: "...despite numerous letters you have not paid...full payment is required upon receipt of this letter unless you can give us a reason for not paying...call us today..." I2D says send "CCA query - letter confirming no CCA" along with copy letter from Moorcroft on 31/03/11 - letters sent.

23/06/12 - Letter rec'd from MKDP (in response to mine of 09/06/12): "...please accept this letter as final response...understand you believe we are unable to seek payment as Barclaycard have failed to comply with CCA...as stated previously Barclaycard are unable to provide CCA...and cannot enforce...but will continue all action short of enforcement...we are obliged to seek payments to outstanding balance and will continue collection activities...". I will just ignore and see what they do next.

16/07/12 - Letter rec'd from Raven Recoveries: "...despite previous communication...you have not made payment...no option to pass to Keynes Collections for litigation consideration...to reach acceptable outcome please contact us in 7 days...". Will ignore and wait for contact from Keynes Collection

Hi Niddy/I2D,

I have an update to the above account (although not heard anything from them for over 14 months):

UPDATE: 27/09/13:

Letter rec'd from Keynes Collections: "...NOTICE OF INTENDED LEGAL ACTION...you have failed to respond to previous correspondence or agreed a payment plan...we are instructed to collect balance...the amount is now due...this letter constitutes demand for payment and is accordance with Practice Direction - Pre-Action Conduct of the Civil Procedure Rules...this letter requires your immediate attention...unless payment/plan agreed in 14 days, legal action to recover the debt may be taken...we suggest you give this matter your urgent attention and seek independent legal advise..."

Not sure (if anything) I need to do. As it is a legal threat do I need to respond with anything - although their letter states "may be taken".

As I said earlier I have not heard anything from these for 14 months.

One thing in my favour is the letter of from 01/06/11 from Moorcroft "...our records show that we sent you a letter advising our client was unable obtain a copy of your CCA...." and a further letter from MKRR 20/02/12 stating "....Barclaycard are currently unable to provide copy of CCA....are unable to enforce....you should continue to pay the debt .... we will take any action short of enforcement.... obliged to seek payment....MKRR are now legal owner....contact us to arrange payment plan....".

Your advice will greatly be appriciated.

[ken100464]

Re: October Revolution's UE Diary

Looks like you and Clueless got same letter on an account you both have a letter saying they cant find a CCA.

[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.

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...". I will ignore and see what happens next.

08/11/12 - 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....you have a final opportunity to avoid this by contacting us IMMEDIATELY to arrange repayment....". I2D says to send "Doorstep Visit" template - letter sent.


06/12/12 - Letter rec'd from Metropolitan: "...your account is being referred to Buchanan Clark & Wells who will contact you within 14 days...they have specialist teams and a range of plans specially designed to meet your needs...". I will file for now and await contact from them.

08/12/12 - Letter rec'd from Buchanan Clark and Wells (as expected but quicker than I thought !): "...our clients have informed us they see no legitimate reason for non-payment...we have been granted access to your financial information held with CRA and will be monitoring this along with data from other sources to assess your ability to solve this matter...imperative you contact us...we are able to offer support...please do not ignore this matter...". "account sold whilst in dispute" letter sent

19/12/12 - Letter rec'd from Buchanan Clark & wells: "...we regret to note balance is still outstanding...please contact us...we will be able to offer you support, advice and be sympathetic to your circumstances...all we ask is you contact us...please do not ignore this matter, we are ready to help...". Their letter is dated 12th December so I'm assuming it's crossed with my "acc sold whilst in dispute letter". I will file and await their reply.

20/12/12 - Letter rec'd from BCW in response to my "acc sold whilst in dispute" letter: "...we have undertaken substantive investigation and refute your claim...we act in good faith...at no time were we advised account was in dispute by our client...your comments are noted but would not consider our actions to be as you describe nor contrary to legislation you quote....we have requested a copy CCA from our client and will cease collection until you receive...upon receipt of CCA if you wish to further dispute account please furnish us with details and documentation...otherwise contact us to discuss payment options...". I will sit tight and await for the said copy CCA to arrive and then take it from there for the next course of action.

05/02/13 - Duplicate statement of account rec'd - out of the blue - and not sure who it is from. Just a 2 page computer print out of "historic statement" detailing when the account was closed and passed to a DCA and showing zero balance. Envelope is handwritten and no covering letter or compliment slip enclosed. I will just file and see what happens next.

21/02/13 - Received call from Buchanan Clark & wells - which I answered !! - I don't normally answer the phone to numbers I do not recognise but this one came up as a local call with local dialing code!! so I answered. Caught off guard. They didn't seem well versed they kept putting me on hold. The upshot of it all was that they asked when I could make payment and I said I'm waiting for CCA as per their letter of 20/12/12 -said they will have to get back in touch with their client and put the phone down on me..................! Anyway will wait and see what they send or do next.

25/02/13 - Letter rec'd from BCW: "...we are here to help...make us an offer...once payment plan is in operation we will not phone or write to you for a minimum of 6 months...please contact us...". I will file for the time being and see what happens next.

27/02/13 - Getting 3-4 calls a day now from BCW - but not answering. Will send them the "Telephone Harassment" template and see what comes of it.

05/03/13 - "Telephone Harassment" letter delivered yesterday and also received a call from them - Referred them to their letter of 20/12/12 and asked why on the one hand they are saying collection activity will cease but on the other hand they are harassing me. I advised them to stop harassing me with 4-5 calls a day and asked for my number to be removed from their system and that I would only communicate in writing.

08/03/13 -Letter rec'd from BCW: "...we write with regard to recent communication...confirm your concerns have been noted on our system and are being investigated...I can confirm a "cease all action" instruction placed on account...". I will file and see what they do next.

30/03/13 - Letter rec'd from BCW: "...we have noted your comments...removed your telephone number from our system...do not consider our actions as harassment...can confirm HSBC have instructed us to withdraw from the matter...we have closed our file and returned to HSBC therefore no further contact from ourselves...". I will file this letter for safe keeping.

03/05/13 - Letter rec'd from HSBC: "....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....". Also in same envelope letter from MKDP stating they have bought interest in account and are now legal owner; have appointed MK Rapid Recoveries to manage account.....". I will file for now and await further contact from MKRR.

16/05/13 - Letter rec'd from MKRR: "...further to recent communication we have not received your offer of payment...we want to help you...please call to discuss ways we can help...until we reach agreement we will continue to contact you by phone/letter so we advise you contact us...". "acc sold whilst in dispute" sent plus telephone harassment letter.

31/05/13 - Letter rec'd from MKRR: "...regardless of our attempts by telephone and letter we still have not received your offer of payment...we want to help you...until you contact us we are unable to help and may need to take further action...". As they have not replied to my "acc sold whilst in dispute" letter of 16/05/13 I will ignore and see what they send/do next.

03/06/13 - Letter rec'd from MKRR: "...thank you for your recent communication... unable to resolve your query at present...we will be conducting a review...we will be in contact with you regarding resolution...". I will file and see what they send/do next.

12/07/13 -Letter rec'd from MKDP: "...apologise we are unable to resolve your query...we are currently liasing with the original creditor and will contact you when we receive a response...". I will file and see what they send/do next.

15/07/13 -Same letter again - as last - from MKDP: "...apologise we are unable to resolve your query...we are currently liasing with the original creditor and will contact you when we receive a response...". I will file and see what they send/do next.

Hi Niddy/I2D,

I have an update to the above account:

UPDATE: 27/09/13:

Two letters from MKDP both dated the same (just to prove they know what they are doing !!!)

First one states: "...apologise we are unable to resolve your query...we are currently liasing with the original creditor and will contact you when we receive a response...". Which I will ignore.

The second letter states: "...accept this letter as final response...understand you believe acc is in dispute...we have contacted oC and they have confirmed they have no record of unresolved response on record...so do not regard acc in disput and normal collections will begin in 14 days...if you still believe you have genuine dispute please provide documentation within 14 days...".

Do I need to ignore and see what they do next or reply back with something.

Many thanks in advance for your help.

[Deepie]

Re: October Revolution's UE Diary

Hi Niddy/I2D,

I have an update to the above account (although not heard anything from them for over 14 months):

UPDATE: 27/09/13:

Letter rec'd from Keynes Collections: "...NOTICE OF INTENDED LEGAL ACTION...you have failed to respond to previous correspondence or agreed a payment plan...we are instructed to collect balance...the amount is now due...this letter constitutes demand for payment and is accordance with Practice Direction - Pre-Action Conduct of the Civil Procedure Rules...this letter requires your immediate attention...unless payment/plan agreed in 14 days, legal action to recover the debt may be taken...we suggest you give this matter your urgent attention and seek independent legal advise..."

Not sure (if anything) I need to do. As it is a legal threat do I need to respond with anything - although their letter states "may be taken".

As I said earlier I have not heard anything from these for 14 months.

One thing in my favour is the letter of from 01/06/11 from Moorcroft "...our records show that we sent you a letter advising our client was unable obtain a copy of your CCA...." and a further letter from MKRR 20/02/12 stating "....Barclaycard are currently unable to provide copy of CCA....are unable to enforce....you should continue to pay the debt .... we will take any action short of enforcement.... obliged to seek payment....MKRR are now legal owner....contact us to arrange payment plan....".

Your advice will greatly be appriciated.

I'd be sending this if it were me---> Threat by Creditor - To Commence Litigation

[Deepie]

Re: October Revolution's UE Diary

Hi Niddy/I2D,

I have an update to the above account:

UPDATE: 27/09/13:

Two letters from MKDP both dated the same (just to prove they know what they are doing !!!)

First one states: "...apologise we are unable to resolve your query...we are currently liasing with the original creditor and will contact you when we receive a response...". Which I will ignore.

The second letter states: "...accept this letter as final response...understand you believe acc is in dispute...we have contacted oC and they have confirmed they have no record of unresolved response on record...so do not regard acc in disput and normal collections will begin in 14 days...if you still believe you have genuine dispute please provide documentation within 14 days...".

Do I need to ignore and see what they do next or reply back with something.

Many thanks in advance for your help.

I'd see what they send next if it were me.....

[Oct Revolution]

Re: October Revolution's UE Diary

I'd be sending this if it were me---> Threat by Creditor - To Commence Litigation

Do you think it would be of benefit if I also sent "Creditor refusal to accept UE" along with copy letter from MKDP stating "no CCA and will take all necessary collection activities but stop short of enforement"

[Deepie]

Re: October Revolution's UE Diary

Do you think it would be of benefit if I also sent "Creditor refusal to accept UE" along with copy letter from MKDP stating "no CCA and will take all necessary collection activities but stop short of enforement"

I'd keep one that until later.....for now I'd just send the Threat by Creditor - To Commence Litigation see what they say to that....

[Oct Revolution]

Re: October Revolution's UE Diary

I'd keep one that until later.....for now I'd just send the Threat by Creditor - To Commence Litigation see what they say to that....

Ok Deepie,

many thanks for your advice.

I think they must be clutching at straws as not heard anything for 14 months and I also see Clueless has also had the same letter so they may just be emptying out their old filing cabinet !!

I will sort letter this weekend - cheers

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 7

Cahoot/Santander

Activity:
06/10/10 - CCA Request sent
06/11/10 - CCA rec'd (e-mailed to NID for advice)
09/11/10 - NID says :UE "T&C's rec'd" letter sent
15/11/10 - Letter rec'd from Santander in response to last - "are looking into my complaint and I should hear from them shortly"

26/11/10 - Another letter from Santander similar to last but also stating "if account complained about still has an oustanding balance CCA remains in force and payments should continue; that missed payments will be shared with CRA; remain on file for 6 years - may affect credit status"

04/12/10 - Letter rec'd from Santander "it is our belief that we have fully complied with CCA and copy of Terms and Conditions support this and the agreement is fully enforceable." Niddy says ignore.

13/04/11 - Letter rec'd from Santander: "....understand you are still experiencing financial difficulty and would ask you to continue to make payments through your appointed 3rd party adviser as agreed....as advised we are informing you of our intention to submit default information to CRA....default will remaim on file for 6 years....". NID says ignore last.

10/05/11 - Letter rec’d from Santander: “….our records show proposed payments have not been made for some months….important you contact us to advise current financial situation/establishing why payments are not being made….failure will result in us resuming collection and recovery on your acc….”. NID says ignore

11/05/11 - Default Notice rec'd from Santander. Will file.

19/05/11 - Been receiving 2-3 calls daily from Santander for the past month, but not been answering. Have sent "Harassment By Telephone" template and see what comes of it.

01/06/11 - Letter rec'd from Santander. "...we have looked into your complaint and have removed your telephone number from our sytsems and will only communicate in writing...". A result I think

31/03/12 - Letter rec'd from Santander: "...while your complaint was investigated all collection activity was suspended...now complaint is concluded collection activity will commence...to stop this please pay in next 14 days...we are here to help...contact us...". Niddy says IGNORE

17/04/12 - Letter rec'd from Santander: "...we have noted that there is a sum outstanding...please pay in next 14 days...we are here to help...please contact to arrange payment..." I will IGNORE and see what happens next

28/04/12 - Letter from Santander: "...your acc is in arrears please pay immediately...will affect other facilities with us...we will report to CRA...". I will IGNORE.

17/05/12 - Letter rec'd from Santander: "...you have broken terms of agreement...above sum must be paid now...call us to pay...if you fail to comply take this letter as notice of our intention to register default with CRA...info will be registered for 6 years...failure to take action will result in acc being placed with Management Recovery Services...". I will IGNORE and file.

02/07/12 - Statement rec'd from Santander showing a zero balance and that outstanding amount has been transferred. I assume they have sold acc to DCA. I will file and see what happens next.

07/07/12 - Letter from Santander (as expected passed to DCA): "...your acc has been passed to Moorcroft Debt Re covey Limited who are our agents for managing your account...will take steps to arrange amicable payment arrangement...". I will file and see what they send me next.

10/07/12 - Letter rec'd from Moorcroft : "...instructed by santander to collect debt...legal requirement to send notice of intended litigation... we believe this letter fulfills this... to prevent us recommending to our client that legal proceedings should be issued please contact this office with your payment proposals...we remind you CCJ will affect your credit rating...contact us...". I2D says send "acc sold whilst in dispute" - Letter sent.

18/07/12 : Letter rec'd from Moorcroft: "important information - possible litigation...contact us in next 7 days to avoid". As it's crossed with my "Acc sold in dispute" letter above I will ignore and see what they do next.

25/07/12 - Letter rec'd from Moorcroft: "...we are communicating with our client ref your query...all collection activity will stop...we will be in touch shortly with outcome of investigations...". I will file and see what they send/do next.

26/11/12 -Letter rec'd from Santander: "...your acc has now been referred to or agent Wescot...they are responsible for managing your acc...all communication should be directed to them...". I will file for now and await contact from Wescot.

28/11/12 - 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...". "account sold whilst in dispute" letter sent.

07/12/12 - Letter rec'd from Wescot: "...FINAL NOTICE...our latest inquiries 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...contact us immediately...". I think I will IGNORE for now as it has crossed with my last letter "acc sold whilst in dispute", and see what they come back with.

15/12/12 - Letter from Wescot: "....looking into your complaint...all collection activity suspended...may take several weeks...we will contact you in due course...".I will file and see what they come back with next.

18/01/13 - Letter rec'd from Santander: "...thank you for contacting us about your concerns...we will investigate complaint and contact you again when complete with a final response...". I will file for now and see what happens next.

01/02/13 Letter rec'd from Santander: "...you have contacted us to complain about receiving letters with regards to arrears for the above account...and that the account is in dispute as you have not rec'd a CCA...you also state we are in breach of CC act and harassing you...after looking into the matter I can confirm we issued you with a copy CCA in October 2010 (further copy enclosed)...while we understand your circumstances and you dispute arrears we are keeping in touch with you to inform you of status of account...as you can see from CCA you have clearly signed it and have accepted T&C's...for this reason unable to waive arrears and close account...hope I have explained reasons for decision and that it offers a fair resolution...". Seems like a final response so I will file and see what they send/do next.

22/04/13 - Letter from Wescot: "....looking into your complaint...all collection activity suspended...may take several weeks...we will contact you in due course...".I will file and see what they come back with next. Received same letter from them on 15/12/12 to which nothing as happened since. So I will file for now and see what happens next.

11/05/13 - Letter rec'd from Santander (out of the blue) "...thank you for your data request...please find enclosed Data Access Information you requested...". Then they have provided me with 31 pages of print outs (on Santander letterheaded paper) showing lots of account log ins/offs; contact info, balance and payments; blah blah blah........Not sure why they have done this as I have not requested it. !!!! I will file for now and see what happens next.


31/07/13 - Letter rec'd from Wescot: "thankyou for your recent communication and dispute raised...we are still awaiting frurther info from our client before issue can be resolved...thankyou for your patience...". As the last letter from Wescot was dated 22/04/13 in which they were still looking into my complaint I will file and see what happens next.

01/08/13 - Another letter recieved today from Wescot: "...we recently wrote to you...unfortunately, due to an error, this was was sent incorrectly as we had previously issued a response regarding your dispute...payment is now due...". I will ignore for the time and see what they come up with next.

Morning Niddy/Deepie,

I have an update to the above account:

UPDATE: 8/10/13:

Letter rec'd from Clarity "...notification of instruction...we have been appointed to make payment arrangement with you...this requires your urgent attention...please contact us to discuss..."

So it looks like Wescot have given up the ghost and it's now been passed to Clarity.

Do I need to send "acc sold whilst in dispute" or wait a while and see what they do next.

Many thanks

[Pixie]

Re: October Revolution's UE Diary

Yes, I would send SWID to Clarity.

[Oct Revolution]

Re: October Revolution's UE Diary

Yes, I would send SWID to Clarity.

Many thanks Pixie,

I will get letter sorted today.

[Enforcer]

Re: October Revolution's UE Diary

Seems like Santander are passing a lot to clarity. Daughters favourite cca.

[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.

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...". I will ignore and see what happens next.

08/11/12 - 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....you have a final opportunity to avoid this by contacting us IMMEDIATELY to arrange repayment....". I2D says to send "Doorstep Visit" template - letter sent.


06/12/12 - Letter rec'd from Metropolitan: "...your account is being referred to Buchanan Clark & Wells who will contact you within 14 days...they have specialist teams and a range of plans specially designed to meet your needs...". I will file for now and await contact from them.

08/12/12 - Letter rec'd from Buchanan Clark and Wells (as expected but quicker than I thought !): "...our clients have informed us they see no legitimate reason for non-payment...we have been granted access to your financial information held with CRA and will be monitoring this along with data from other sources to assess your ability to solve this matter...imperative you contact us...we are able to offer support...please do not ignore this matter...". "account sold whilst in dispute" letter sent

19/12/12 - Letter rec'd from Buchanan Clark & wells: "...we regret to note balance is still outstanding...please contact us...we will be able to offer you support, advice and be sympathetic to your circumstances...all we ask is you contact us...please do not ignore this matter, we are ready to help...". Their letter is dated 12th December so I'm assuming it's crossed with my "acc sold whilst in dispute letter". I will file and await their reply.

20/12/12 - Letter rec'd from BCW in response to my "acc sold whilst in dispute" letter: "...we have undertaken substantive investigation and refute your claim...we act in good faith...at no time were we advised account was in dispute by our client...your comments are noted but would not consider our actions to be as you describe nor contrary to legislation you quote....we have requested a copy CCA from our client and will cease collection until you receive...upon receipt of CCA if you wish to further dispute account please furnish us with details and documentation...otherwise contact us to discuss payment options...". I will sit tight and await for the said copy CCA to arrive and then take it from there for the next course of action.

05/02/13 - Duplicate statement of account rec'd - out of the blue - and not sure who it is from. Just a 2 page computer print out of "historic statement" detailing when the account was closed and passed to a DCA and showing zero balance. Envelope is handwritten and no covering letter or compliment slip enclosed. I will just file and see what happens next.

21/02/13 - Received call from Buchanan Clark & wells - which I answered !! - I don't normally answer the phone to numbers I do not recognise but this one came up as a local call with local dialing code!! so I answered. Caught off guard. They didn't seem well versed they kept putting me on hold. The upshot of it all was that they asked when I could make payment and I said I'm waiting for CCA as per their letter of 20/12/12 -said they will have to get back in touch with their client and put the phone down on me..................! Anyway will wait and see what they send or do next.

25/02/13 - Letter rec'd from BCW: "...we are here to help...make us an offer...once payment plan is in operation we will not phone or write to you for a minimum of 6 months...please contact us...". I will file for the time being and see what happens next.

27/02/13 - Getting 3-4 calls a day now from BCW - but not answering. Will send them the "Telephone Harassment" template and see what comes of it.

05/03/13 - "Telephone Harassment" letter delivered yesterday and also received a call from them - Referred them to their letter of 20/12/12 and asked why on the one hand they are saying collection activity will cease but on the other hand they are harassing me. I advised them to stop harassing me with 4-5 calls a day and asked for my number to be removed from their system and that I would only communicate in writing.

08/03/13 -Letter rec'd from BCW: "...we write with regard to recent communication...confirm your concerns have been noted on our system and are being investigated...I can confirm a "cease all action" instruction placed on account...". I will file and see what they do next.

30/03/13 - Letter rec'd from BCW: "...we have noted your comments...removed your telephone number from our system...do not consider our actions as harassment...can confirm HSBC have instructed us to withdraw from the matter...we have closed our file and returned to HSBC therefore no further contact from ourselves...". I will file this letter for safe keeping.

03/05/13 - Letter rec'd from HSBC: "....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....". Also in same envelope letter from MKDP stating they have bought interest in account and are now legal owner; have appointed MK Rapid Recoveries to manage account.....". I will file for now and await further contact from MKRR.

16/05/13 - Letter rec'd from MKRR: "...further to recent communication we have not received your offer of payment...we want to help you...please call to discuss ways we can help...until we reach agreement we will continue to contact you by phone/letter so we advise you contact us...". "acc sold whilst in dispute" sent plus telephone harassment letter.

31/05/13 - Letter rec'd from MKRR: "...regardless of our attempts by telephone and letter we still have not received your offer of payment...we want to help you...until you contact us we are unable to help and may need to take further action...". As they have not replied to my "acc sold whilst in dispute" letter of 16/05/13 I will ignore and see what they send/do next.

03/06/13 - Letter rec'd from MKRR: "...thank you for your recent communication... unable to resolve your query at present...we will be conducting a review...we will be in contact with you regarding resolution...". I will file and see what they send/do next.

12/07/13 -Letter rec'd from MKDP: "...apologise we are unable to resolve your query...we are currently liasing with the original creditor and will contact you when we receive a response...". I will file and see what they send/do next.

15/07/13 -Same letter again - as last - from MKDP: "...apologise we are unable to resolve your query...we are currently liasing with the original creditor and will contact you when we receive a response...". I will file and see what they send/do next.

27/09/13 - Same letter again: "...apologise we are unable to resolve your query...we are currently liasing with the original creditor and will contact you when we receive a response...". Which I will ignore.

BUT ALSO

27/09/13: Another letter from MKDP dated same: "...accept this letter as final response...understand you believe acc is in dispute...we have contacted oC and they have confirmed they have no record of unresolved response on record...so do not regard acc in disput and normal collections will begin in 14 days...if you still believe you have genuine dispute please provide documentation within 14 days...". I will ignore and see what they do next.

Hi all,

I have a small update to the above account:

Letter rec'd from MKRR: "...further to lettering offering you help to clear amount we have not received your offer of payment...please contact us to arrange an agreement..."

I will file and see what they do next,

regards

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 7

Cahoot/Santander

Activity:
06/10/10 - CCA Request sent
06/11/10 - CCA rec'd (e-mailed to NID for advice)
09/11/10 - NID says :UE "T&C's rec'd" letter sent
15/11/10 - Letter rec'd from Santander in response to last - "are looking into my complaint and I should hear from them shortly"

26/11/10 - Another letter from Santander similar to last but also stating "if account complained about still has an oustanding balance CCA remains in force and payments should continue; that missed payments will be shared with CRA; remain on file for 6 years - may affect credit status"

04/12/10 - Letter rec'd from Santander "it is our belief that we have fully complied with CCA and copy of Terms and Conditions support this and the agreement is fully enforceable." Niddy says ignore.

13/04/11 - Letter rec'd from Santander: "....understand you are still experiencing financial difficulty and would ask you to continue to make payments through your appointed 3rd party adviser as agreed....as advised we are informing you of our intention to submit default information to CRA....default will remaim on file for 6 years....". NID says ignore last.

10/05/11 - Letter rec’d from Santander: “….our records show proposed payments have not been made for some months….important you contact us to advise current financial situation/establishing why payments are not being made….failure will result in us resuming collection and recovery on your acc….”. NID says ignore

11/05/11 - Default Notice rec'd from Santander. Will file.

19/05/11 - Been receiving 2-3 calls daily from Santander for the past month, but not been answering. Have sent "Harassment By Telephone" template and see what comes of it.

01/06/11 - Letter rec'd from Santander. "...we have looked into your complaint and have removed your telephone number from our sytsems and will only communicate in writing...". A result I think

31/03/12 - Letter rec'd from Santander: "...while your complaint was investigated all collection activity was suspended...now complaint is concluded collection activity will commence...to stop this please pay in next 14 days...we are here to help...contact us...". Niddy says IGNORE

17/04/12 - Letter rec'd from Santander: "...we have noted that there is a sum outstanding...please pay in next 14 days...we are here to help...please contact to arrange payment..." I will IGNORE and see what happens next

28/04/12 - Letter from Santander: "...your acc is in arrears please pay immediately...will affect other facilities with us...we will report to CRA...". I will IGNORE.

17/05/12 - Letter rec'd from Santander: "...you have broken terms of agreement...above sum must be paid now...call us to pay...if you fail to comply take this letter as notice of our intention to register default with CRA...info will be registered for 6 years...failure to take action will result in acc being placed with Management Recovery Services...". I will IGNORE and file.

02/07/12 - Statement rec'd from Santander showing a zero balance and that outstanding amount has been transferred. I assume they have sold acc to DCA. I will file and see what happens next.

07/07/12 - Letter from Santander (as expected passed to DCA): "...your acc has been passed to Moorcroft Debt Re covey Limited who are our agents for managing your account...will take steps to arrange amicable payment arrangement...". I will file and see what they send me next.

10/07/12 - Letter rec'd from Moorcroft : "...instructed by santander to collect debt...legal requirement to send notice of intended litigation... we believe this letter fulfills this... to prevent us recommending to our client that legal proceedings should be issued please contact this office with your payment proposals...we remind you CCJ will affect your credit rating...contact us...". I2D says send "acc sold whilst in dispute" - Letter sent.

18/07/12 : Letter rec'd from Moorcroft: "important information - possible litigation...contact us in next 7 days to avoid". As it's crossed with my "Acc sold in dispute" letter above I will ignore and see what they do next.

25/07/12 - Letter rec'd from Moorcroft: "...we are communicating with our client ref your query...all collection activity will stop...we will be in touch shortly with outcome of investigations...". I will file and see what they send/do next.

26/11/12 -Letter rec'd from Santander: "...your acc has now been referred to or agent Wescot...they are responsible for managing your acc...all communication should be directed to them...". I will file for now and await contact from Wescot.

28/11/12 - 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...". "account sold whilst in dispute" letter sent.

07/12/12 - Letter rec'd from Wescot: "...FINAL NOTICE...our latest inquiries 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...contact us immediately...". I think I will IGNORE for now as it has crossed with my last letter "acc sold whilst in dispute", and see what they come back with.

15/12/12 - Letter from Wescot: "....looking into your complaint...all collection activity suspended...may take several weeks...we will contact you in due course...".I will file and see what they come back with next.

18/01/13 - Letter rec'd from Santander: "...thank you for contacting us about your concerns...we will investigate complaint and contact you again when complete with a final response...". I will file for now and see what happens next.

01/02/13 Letter rec'd from Santander: "...you have contacted us to complain about receiving letters with regards to arrears for the above account...and that the account is in dispute as you have not rec'd a CCA...you also state we are in breach of CC act and harassing you...after looking into the matter I can confirm we issued you with a copy CCA in October 2010 (further copy enclosed)...while we understand your circumstances and you dispute arrears we are keeping in touch with you to inform you of status of account...as you can see from CCA you have clearly signed it and have accepted T&C's...for this reason unable to waive arrears and close account...hope I have explained reasons for decision and that it offers a fair resolution...". Seems like a final response so I will file and see what they send/do next.

22/04/13 - Letter from Wescot: "....looking into your complaint...all collection activity suspended...may take several weeks...we will contact you in due course...".I will file and see what they come back with next. Received same letter from them on 15/12/12 to which nothing as happened since. So I will file for now and see what happens next.

11/05/13 - Letter rec'd from Santander (out of the blue) "...thank you for your data request...please find enclosed Data Access Information you requested...". Then they have provided me with 31 pages of print outs (on Santander letterheaded paper) showing lots of account log ins/offs; contact info, balance and payments; blah blah blah........Not sure why they have done this as I have not requested it. !!!! I will file for now and see what happens next.


31/07/13 - Letter rec'd from Wescot: "thankyou for your recent communication and dispute raised...we are still awaiting frurther info from our client before issue can be resolved...thankyou for your patience...". As the last letter from Wescot was dated 22/04/13 in which they were still looking into my complaint I will file and see what happens next.

01/08/13 - Another letter recieved today from Wescot: "...we recently wrote to you...unfortunately, due to an error, this was was sent incorrectly as we had previously issued a response regarding your dispute...payment is now due...". I will ignore for the time and see what they come up with next.

8/10/13 - Letter rec'd from Clarity "...notification of instruction...we have been appointed to make payment arrangement with you...this requires your urgent attention...please contact us to discuss...". "acc sold whilst in dispute" template letter sent.

Hi Niddy/Deepie,

I have an update to the above account:

UPDATE: 18/10/13:

Letter rec'd from Clarity: "...we wrote to you recently but our records indicate no agreement as been reached...help us to stop further action...if we do not hear from you we may consider our options...which may include field agent calling at your address...please contact us..."

Do I need to ignore for now or should I send a one liner refering to my last SWID letter along with "dont come to my house" template letter?

many thanks

[Deepie]

Re: October Revolution's UE Diary

Hi Niddy/Deepie,

I have an update to the above account:

UPDATE: 18/10/13:

Letter rec'd from Clarity: "...we wrote to you recently but our records indicate no agreement as been reached...help us to stop further action...if we do not hear from you we may consider our options...which may include field agent calling at your address...please contact us..."

Do I need to ignore for now or should I send a one liner refering to my last SWID letter along with "dont come to my house" template letter?

many thanks

That's what I would do..........