Oct Revolution's UE Diary

[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 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...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.

UPDATE: 15/12/12:

Letter from Wescot: "....looking into your complaint...all collection activety suspended...may take several weeks...we will contact you in due course..."

I will file and see what they come back with next.

many thanks

[The Tech Clerk]

Re: October Revolution's UE Diary

same letter to daughter from wetcloths, they referred to template internet letter from her, wonder if they use template letters?

[Oct Revolution]

Re: October Revolution's UE Diary

same letter to daughter from wetcloths, they referred to template internet letter from her, wonder if they use template letters?

Yeah,

same letter I've had from them for 3 other accounts!! Next one will probably be "we have contacted our client who have provided the documentation you requested..we believe dispute is now resolved...full balance or agreed monthly insalment is now required...please contact us".

Happy days

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 1

First Direct (Metropolitan Collection Services)

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

Further info/details: Agree to accept £1/month. Last contact July 2010 letter asking for an increase in payment terms. Advised them can only afford to pay £1/month. No interest or fees being added.

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

Ho ho ho Niddy/I2d,

I have an update to above account:

UPDATE: 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" due to the Christmas post.

I will file and await their reply to my "acc sold....." letter. Hopefully in the New Year now!!

[Deepie]

Re: October Revolution's UE Diary

Ho ho ho Niddy/I2d,

I have an update to above account:

UPDATE: 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" due to the Christmas post.

I will file and await their reply to my "acc sold....." letter. Hopefully in the New Year now!!

Just keep an eye on this...........

[Oct Revolution]

Re: October Revolution's UE Diary

Just keep an eye on this...........

Ok I2D,

I will keep a look out for this one. My acc sold whilst in dispute letter is still showing as undelivered at the moment.....

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 1

First Direct (Metropolitan Collection Services)

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

Further info/details: Agree to accept £1/month. Last contact July 2010 letter asking for an increase in payment terms. Advised them can only afford to pay £1/month. No interest or fees being added.

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.

Hi Niddy/I2D,

I have an update to the above account:

UPDATE: 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...we have not purchased the debt but act on behalf of client...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..."

Quite a long letter from them. Looks like they have requested copy CCA - if it's the same one as previously supplied it was an application form which Niddy said was illegible.

I assume I sit tight and await for the said copy CCA to arrive and then take it from there for the next course of action. And as they say collection activity will cease until I receive it so at the moment the ball is in their court or at least HSBC.


Quite a long post ...................... sorry folks !! BUT diary updated.


best regards

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 9

Egg

Activity:

06/10/10 - CCA Request sent
22/10/10 - CCA rec'd (will e-mail to NID for advice)Nid says acc may be enforceable but to blag for time being and send "T&C's rec'd" letter.
25/10/10 - "T&C's rec'd" Letter sent to Egg
04/11/10 - Letter rec'd for last; Egg looking into complaint, may take upto 8 weeks
23/11/10 - Reply from Egg ref my complaint:- "the docs provided constitute a true copy of agreement; now satisfied my request for CCA the complaint is now closed; regular monthly payments should continue". NID says bog standard letter ignore for now.

25/01/11 - Letter rec'd from Clarity " ...been instructed by EGG to make arrangements with you to repay above amount……are prepared to offer 15% discount as F&F…and will remain open for 7 days…if unable to pay contact them to agree payment plan….If we do not hear from you will consider options available to us…..inc. rep. visiting or where agreement remains legally enforceable, recommend to client that their solicitors be instructed to commence legal action” Nid says to send "Threat o Gram before action" letter.

27/01/11 - Above letter sent

02/02/11 - Calls received daily from Clarity - Ignoring/Not answering.
08/02/11 - Letter rec'd from Clarity:“we wrote recently but note we have not reached an agreement with you…your acc is in default and full balance is payable immediately….if the agreement remains legally enforceable we will consider recommending our client/solicitors commence legal action.. if you ignore this letter further recovery action will take place…to prevent this pay balance/arrange repayment by instalments via web site; call; e-mail; send cheque”

10/02/11 - NID says ignore last as letter crossed with my letter of 27/01/11

18/02/11 - letter rec'd from Clarity: “thank you for your recent letter…..we have requested further info from EGG and will be in contact once we have received a response”. Assume it’s in response to my letter sent to them on 27/01/11 “threat o gram before legal action”. I will just file and wait to see what happens next.

27/06/11: - letter rec'd from Fredrickson International Ltd: “….instructed by Egg to collect outstanding balance….you have failed to pay outstanding balance despite repeated requests….full payment now due to avoid further action….contact us IMMEDIATELY to discuss this matter….payment should be made to Fredrickson International LTD….”. NID says ignore and see what they send next.

27/06/11 - Receiving over 14 calls a day from Fredrickson: "Harassment by Telephone" letter sent.

05/07/11 - The letter has worked as calls seem to have stopped for now.

08/07/11 - Letter rec'd from Fredrickson: "....as arranged we have enclosed our official Financial Statement form for you to complete....we can not consider your circumstances unless you complete and return....". I will ignore and see what happens next.

14/07/11 - letter rec'd from Fredrickson: "LETTER BEFORE ACTION....this debt must be paid in full in next 7 days otherwise we will refer to solicitors who may take legal action without further notice....further additional costs will be added....bailiff may call....judgement would affect future credit....pay now...." Nid says send "account sold whilst in dispute" - letter sent.

28/07/11 - Letter from Fredrickson in response to my "account sold whilst in dispute" letter:
".....we have referred matter to client....will revert to you when instructions rec'd....acc placed on hold....". will file and see what happens next.

05/10/11 - Letter from Fredrickson who have now "contacted Egg" and "have enclosed account documents....hope this clarifies matters....look forward to proposals for discharge of acc....". Documents sent are exactly the same as supplied direct to me from Egg on 22/10/10. NID says IGNORE.

12/11/11 - Letter rec'd from Barclaycard: "....acc now transferred to Arrow Global Guernsey....this letter is formal notice of assignment....oustanding balance now payable to Global....Fredrickson will continue to service acc....Global will contact you direct....". In2Deep says ignore until I hear from Global.

22/11/11 - Letter rec'd from Arrow Global: "....advise you that Barclays has assigned acc to us....you should contact Fredricksons to repay this acc as a matter of urgency....all correspondance should also be directed to Fredricksons....". NID says ignore

29/06/12 - Letter rec'd from Fredrickson: "...we refer to recent communication...we are no longer instructed in connection with this matter and have returned acc to our client...". I will file and see who gets the account next.

13/12/12 - Letter rec'd from Rossendales Collect: "...debt passed to us by Arrow Global Guernsey...you have ignored previous requests for payment...we intend to recover outstanding debt...pay full amount in 7 days otherwise recovery action will commence...". "account sold whilst in dispute" sent.

Hi Niddy/I2D,

I have an update to above account:

UPDATE: 02/01/13:

Letter from Rossendales: "...we are looking into your query...will contact out client...account on hold..."

I will file and see what happens next.

HAPPY NEW YEAR everyone.

[Never-In-Doubt]

Re: October Revolution's UE Diary

Keep us updated matey - happy new year

[Oct Revolution]

Re: October Revolution's UE Diary

Keep us updated matey - happy new year

Many thanks Niddy - will do

[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 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...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 activety suspended...may take several weeks...we will contact you in due course...".I will file and see what they come back with next.

Hi Niddy/I2D,

I have small update to above account:

UPDATE: 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 assume Wescot have been in touch with them after my letter of 07/12/12.

I will file for now and see what happens next.

many thanks,

[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.

Hi Niddy/I2D,

I have an update to the above account:

UPDATE: 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..."

Quite a long letter that goes on and on and on.

Not sure what they mean about my complaint "concerning receiving letters about arrears" as last letter I sent was acc sold whilst in dispute to Wescot on 28/11/12 and last letter to Santander was "T&C's received" letter on 09/11/10 in response to CCA which they supplied.

The copy CCA which they have sent (again) is the same as the one I rec'd on 06/10/10 which Niddy said was T&C's.

Not sure if I need to send anything back as the letter does not request payment; or payment proposals; or say they are passing it onto a DCA (although Moorcroft and Wescot have already had it).

To me it seems like a final response so I'm thinking I should just file and see what they send/do next.

Any thoughts?

Many thanks

[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.

Hi Niddy/I2D,

Just a small update to above account (no action necessary - just for diary):

Received a duplicate statement of account today - out of the blue - and not sure who it is from. It's not an official statement (no logos; letterhead) or even a copy statement. It is 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.

As I say not sure who it is from as envelope is handwritten and no covering letter or compliment slip enclosed.

I will just file and see what happens next.

regards

[Deepie]

Re: October Revolution's UE Diary

Hi Niddy/I2D,

I have an update to the above account:

UPDATE: 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..."

Quite a long letter that goes on and on and on.

Not sure what they mean about my complaint "concerning receiving letters about arrears" as last letter I sent was acc sold whilst in dispute to Wescot on 28/11/12 and last letter to Santander was "T&C's received" letter on 09/11/10 in response to CCA which they supplied.

The copy CCA which they have sent (again) is the same as the one I rec'd on 06/10/10 which Niddy said was T&C's.

Not sure if I need to send anything back as the letter does not request payment; or payment proposals; or say they are passing it onto a DCA (although Moorcroft and Wescot have already had it).

To me it seems like a final response so I'm thinking I should just file and see what they send/do next.

Any thoughts?

Many thanks

Hi Niddy/I2D,

Just a small update to above account (no action necessary - just for diary):

Received a duplicate statement of account today - out of the blue - and not sure who it is from. It's not an official statement (no logos; letterhead) or even a copy statement. It is 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.

As I say not sure who it is from as envelope is handwritten and no covering letter of compliment slip enclosed.

I will just file and see what happens next.

regards

I'd just file them and see what they send next.....

[Oct Revolution]

Re: October Revolution's UE Diary

I'd just file them and see what they send next.....

Yeah, will do I2D.

Many thanks,