Oct Revolution's UE Diary

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 2

Citibank (Collect Direct UK) Now with Opus

Account: Credit Card
Commenced: 2005
Balance: 2k
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: Agree to accept £1/month. Last contact August 2010 (statement). No interest or fees being added.

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.

09/01/12 - another e-mail from Cabot : "....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.

15/02/12 - Yet another e-mail received from Cabot (last letter I had from them was 25/11/11), which I am unable to read, other than the subject line, which says ...."External Agent Notification". I have sent a reply e-mail back just saying the following: This email address is no longer active - please resort to an alternative method of contact.

22/02/12 - Letter rec'd from Financial Investigations and Recoveries (Europe) Ltd (F.I.R.E): "....NOTIFICATION OF INSTRUCTION TO COLLECT....our client Cabot have instructed us to recover full amount....PAYMENT REQUIRED IMMEDIATELY....contact us....". I2D says to ignore

27/02/12 - E-mail rec'd from F.I.R.E: "....make us a reasonable offer....as final attempt to resolve and stop further action....will consider reasonable offer as F&F or payment plan....contact us in next 14 days....". I will ignore, other than sending this e-mail back to them: "This email address is no longer active - please resort to an alternative method of contact." and will await their next reply.

17/03/12 - Letter rec'd from FIRE: "....PRE-VISIT NOTIFICATION....debt referred to us from Cabot....you must contact us in 48 hours to pay in full or arrange repayment....failure may result in....our client taking LEGAL PROCEEDINGS against you or a DOORSTEP AGENT calling....contact us now....". I2D says ignore

25/04/12 - Letter from FIRE: "...previously advised if debt not paid we would take further action...been instructed by our client to instruct debt recovery agent to collect debt...call us immediately or we will pass acc to Doorstep Agent...call us now...". I will IGNORE

09/06/12 - Letter from Cabot: "...as we have not come to a mutual agreement your acc is being passed to Clarity Credit Management for collection...Then in the same envelope letter from Clarity: "...insrtucted by Cabot to arrange payment...we can offer 25% discount...contact us now...". I2D says "Account sold whilst in dispute" - letter sent

18/06/12 Letter rec'd from Clarity: "...this acc has now been returned to our client...further communication to you will come directly from them...". I will file and see what happens next.

04/11/13 - Letter rec'd from Scotcall: "...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...". "account sold whilst in dispute" and "threat of doorstep visit" letters sent.

11/11/13 - Letter rec'd from Scotcall (as expected): "...please find enclosed paper work relating to this acc which we are no longer dealing with...it was returned to our client Cabot Financial Credit...please contact them...". I will file and ignore.

27/11/13 -Letter rec'd from Cabot Financial: "...the Cabot Credit Management Group has recently bought your account from Opus...it is now vital that you contact us...if you fail to do so we will have to move your account to the next stage of our collection process...". Cabot already OWN this account and they have had previous contact from me (see above). I will wait and see what their "next stage" is?

Hi Deepie/Niddy,

I have a small update to the above account.

UPDATE: 10/05/14:

Over the last few weeks I've been recieving calls from Cabot which I have ignored and today received a letter from them stating:

"we've tried to contact you...please contact us to discuss options available to you...we want to help you...if we do not hear from you account will be reviewd for next stage of collections..."

Cabot have had this account some time now (since 2011) and passed it around a few times (FIRE, Clarity and Scotcall) with nothing really happening. The last sold whilst in dispute letter was sent in 2011.

I assume I ignore for now and see what they do next or should I send them another Sold whilst in dispute letter and begin the cycle again?

May thanks

[Deepie]

Re: October Revolution's UE Diary

Hi Deepie/Niddy,

I have a small update to the above account.

UPDATE: 10/05/14:

Over the last few weeks I've been recieving calls from Cabot which I have ignored and today received a letter from them stating:

"we've tried to contact you...please contact us to discuss options available to you...we want to help you...if we do not hear from you account will be reviewd for next stage of collections..."

Cabot have had this account some time now (since 2011) and passed it around a few times (FIRE, Clarity and Scotcall) with nothing really happening. The last sold whilst in dispute letter was sent in 2011.

I assume I ignore for now and see what they do next or should I send them another Sold whilst in dispute letter and begin the cycle again?

May thanks

That's what I'd do...........

[Oct Revolution]

Re: October Revolution's UE Diary

That's what I'd do...........

Thanks Deepie - I'll ignore for now and see what they send/do next (tick tock, tick tock)

[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.

08/10/13 - 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.

16/01/14 - Letter rec'd from Clarity in response to my letter of 08/10/13: "...apologise for the late reply...we have asked our client for the information you requested...we will be in contact again once rec'd...". I will file for now and see what they come back with.

Hi,

I have a small update to the above account - no action required.

UPDATE: 24/05/14:

Letter rec'd from Clarity: "...further to our letter of 14/01/14 we can confirm that the above account has now be returned to our client ..."

Took them some time to deal with (sent acc sold in dispute way back on 08/10/13) but no worries as the clock is nicely ticking away for SB.

[PlanB]

Re: October Revolution's UE Diary

Took them some time to deal with but no worries as the clock is nicely ticking away for SB.

It certainly is

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 2

Citibank (Collect Direct UK) Now with Opus

Account: Credit Card
Commenced: 2005
Balance: 2k
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: Agree to accept £1/month. Last contact August 2010 (statement). No interest or fees being added.

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.

09/01/12 - another e-mail from Cabot : "....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.

15/02/12 - Yet another e-mail received from Cabot (last letter I had from them was 25/11/11), which I am unable to read, other than the subject line, which says ...."External Agent Notification". I have sent a reply e-mail back just saying the following: This email address is no longer active - please resort to an alternative method of contact.

22/02/12 - Letter rec'd from Financial Investigations and Recoveries (Europe) Ltd (F.I.R.E): "....NOTIFICATION OF INSTRUCTION TO COLLECT....our client Cabot have instructed us to recover full amount....PAYMENT REQUIRED IMMEDIATELY....contact us....". I2D says to ignore

27/02/12 - E-mail rec'd from F.I.R.E: "....make us a reasonable offer....as final attempt to resolve and stop further action....will consider reasonable offer as F&F or payment plan....contact us in next 14 days....". I will ignore, other than sending this e-mail back to them: "This email address is no longer active - please resort to an alternative method of contact." and will await their next reply.

17/03/12 - Letter rec'd from FIRE: "....PRE-VISIT NOTIFICATION....debt referred to us from Cabot....you must contact us in 48 hours to pay in full or arrange repayment....failure may result in....our client taking LEGAL PROCEEDINGS against you or a DOORSTEP AGENT calling....contact us now....". I2D says ignore

25/04/12 - Letter from FIRE: "...previously advised if debt not paid we would take further action...been instructed by our client to instruct debt recovery agent to collect debt...call us immediately or we will pass acc to Doorstep Agent...call us now...". I will IGNORE

09/06/12 - Letter from Cabot: "...as we have not come to a mutual agreement your acc is being passed to Clarity Credit Management for collection...Then in the same envelope letter from Clarity: "...insrtucted by Cabot to arrange payment...we can offer 25% discount...contact us now...". I2D says "Account sold whilst in dispute" - letter sent

18/06/12 Letter rec'd from Clarity: "...this acc has now been returned to our client...further communication to you will come directly from them...". I will file and see what happens next.

04/11/13 - Letter rec'd from Scotcall: "...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...". "account sold whilst in dispute" and "threat of doorstep visit" letters sent.

11/11/13 - Letter rec'd from Scotcall (as expected): "...please find enclosed paper work relating to this acc which we are no longer dealing with...it was returned to our client Cabot Financial Credit...please contact them...". I will file and ignore.

27/11/13 -Letter rec'd from Cabot Financial: "...the Cabot Credit Management Group has recently bought your account from Opus...it is now vital that you contact us...if you fail to do so we will have to move your account to the next stage of our collection process...". Cabot already OWN this account and they have had previous contact from me (see above). I will wait and see what their "next stage" is?

10/05/14 - Over the last few weeks I've been recieving calls from Cabot which I have ignored and today received a letter from them stating:"we've tried to contact you...please contact us to discuss options available to you...we want to help you...if we do not hear from you account will be reviewd for next stage of collections...". I will ignore and see what they do next!

Hi Deepie/Niddy,

I have an update to the above account:

UPDATE: 20/06/14:

Letter rec'd from Cabot: "...this letter is to notify you tht acc now passed to Robinson Way...letter enclosed from Rob Way with all their contact details - please call to arrange re-payment..."

I assume I sit and wait until I'm contacted directly from Robinson Way then send account sold whilst in dispute?

many thanks

[Deepie]

Re: October Revolution's UE Diary

Hi Deepie/Niddy,

I have an update to the above account:

UPDATE: 20/06/14:

Letter rec'd from Cabot: "...this letter is to notify you tht acc now passed to Robinson Way...letter enclosed from Rob Way with all their contact details - please call to arrange re-payment..."

I assume I sit and wait until I'm contacted directly from Robinson Way then send account sold whilst in dispute?

many thanks

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

[Oct Revolution]

Re: October Revolution's UE Diary

Thanks Deepie - will do

[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.

30/10/13: Letter from MK Rapid Recoveries: "...FINAL NOTICE...as you have not taken up our offer of help and as a legal requirement we are informing you that we are instructing our pre-legal dept to review your acc for further action...they may commence litigation which may increase amount payable...it is not too late to resolve this matter ...contact us immediately...". Deepie says send "Threat o gram - letter before action" - letter sent.


15/11/13 -Letter rec'd from MKRR: "...despite previous communication from us...full payment or arranged payment plan as not been agreed...we have no option but to refer your account to Keynes Collections for litigation consideration...contact us within 7 days or the escalation team may take appropriate further action...". I will ignore and see what they do next/await contact from Keynes Collections.

20/11/13 - Letter rec'd from Keynes Collections (as expected): "...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 in 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...". Threat by Creditor - To Commence Litigation letter sent

10/12/13 - Claim form rece'd from Northampton County Court Bulk Centre: MKDP LLP are now claiming for the full balance to be paid. "You have a limited time in which to reply to this claim form".

POST MOVED TO LEGAL SECTION

I have an update to this account.

Having not heard anything from the "old preferred solicitors" since July I dropped them an e-mail this morning asking for an update, from which they rang me. They had tried to contact me last month but to no avail. Anyway, the news was good ------------- MKDP's application had been "struck out" because they had no documents. The solicitors and MKDP are finalising the details then I'm told I should receive a letter from solicitor saying "that's that". Although, if they do come across docs at a later stage they can try again - although after 4 years and no docs I'm hoping they still can't find/locate them.

Many thanks to Niddy, Deepie and Andrew (in the early stages) without whose help I would not have reached this position.

Now onto my other 10 accounts, which to be honest are very quiet and have not heard anything in months and in some cases years.

Thanks everyone !

[nanna58]

Re: Oct Revolution's UE Diary

Fab xx

[Grassy_K]

Re: Oct Revolution's UE Diary

Nothing like a good MKDP spanking. These w*****s are getting worse and worse.

[greymatter]

Re: Oct Revolution's UE Diary

Great news

[IF]

Re: Oct Revolution's UE Diary

I'm pleased for you too Oct Revolution, love good news on AAD

[Pixie]

Re: Oct Revolution's UE Diary

Great news!

[Oct Revolution]

Re: Oct Revolution's UE Diary

Hi Everyone - hope you are all well and fighting the battle,

I've not got an update to any of my accounts, it seems to have gone very quiet (tempting fate now I know !!!).

It's just something going round in my head (which I should know the answer to by now) and I probably do but just wanted clarification on the following.

Am I right in thinking that the SB clock starts ticking from when the Default Notice is issued or when the last payment/acknowledgement of the account is made - whichever of the two is the latest.

And after 6 years from the default the account falls off the credit file, but won't become SB until 6 years have passed if a payment was made to the account after the default notice.

Eg: Default rec'd March 2010; last £1 payment July 2010. Therefore account will drop off credit file in April 2016 and become SB in August 2016.

I'm not worrying about anything, I'm about 2 years away from all this BUT it's just something going round in my head.

many thanks