Greymatter's ue Diary

[greymatter]

Re: Greymatter's ue Diary

Hi I2D
Excuse my dimness here (referring me to Pauls blog)but I took on the UE rote for solid reasons.I realise that I must be prepared to go to court(Naturally with a solicitor)and I realise that most letters need respondingf to and filing.
So thats why I am asking for the most appropriate response here.
Thanks I2D
GM

[Deepie]

Re: Greymatter's ue Diary

Hi I2D
Yes I have read it .So how do I respond to my last Diary entry.Or are we not using our templates?

If it were me I would tell them the account is in dispute along with this--> Harassment & Threat of Doorstep-Visit

[greymatter]

Re: Greymatter's ue Diary

Many thanks I2D
Will do.
Pauls Blog is without doubt very informative and does put things in prospective.
It is a battle when you take the UE route and without Pauls input we would/could be in the sh1t in no time.
However I for one am still on a steep learning curve and will always continue to ask for sound advice from AAD as to how to respond to the OC/DCS letters.Its clearly essential that we do respond and understand the template suggested.
Thanks I2d
GM

[greymatter]

Re: Greymatter's ue Diary

Hi I2D
As this had been already sent on 7/11/2012 should I simply make a reference to this letter and date?
GM

[Deepie]

Re: Greymatter's ue Diary

Hi I2D
As this had been already sent on 7/11/2012 should I simply make a reference to this letter and date?
GM

Yes that's what I would do........

[Never-In-Doubt]

Re: Greymatter's ue Diary

Have you read Pauls latest blog---> Pauls Blog

why are you referring everyone there mate? No need as it's irrelevant as to the question that the user is asking.

[Never-In-Doubt]

Re: Greymatter's ue Diary

It is a battle when you take the UE route and without Pauls input we would/could be in the sh1t in no time.
However I for one am still on a steep learning curve and will always continue to ask for sound advice from AAD as to how to respond to the OC/DCS letters.

What we must remember here is that the way I describe doing things and Paul's way will generally be different because Paul is trained in taking things legal so he will teach you the correct way to have a good defence should the lender take legal action.

However, AAD as a whole hopes not to see legal action so we tend to use our templates to fight away any hassles from creditors and that does mean going round in circles which is a good thing.

If you're worried about things going legal then you'd take the advice from Paul, but for the same respect of all the UE Diaries here, only a few have went legal and even then Paul has won more than enough (only have a couple of losses/settlements)... so all in all, arguing UE and sending templates does work, as does Paul's legal guidance to get the best defence.

It's up to you what route you take dependant how scared of court you are I guess.

Just remember you're getting the ideals of two different backgrounds here, one a legal version (always going to be the 'right' way) or our way. Take your pick....

[Deepie]

Re: Greymatter's ue Diary

why are you referring everyone there mate? No need as it's irrelevant as to the question that the user is asking.

Just so they get an idea how to respond for future reference.

[greymatter]

Re: Greymatter's ue Diary

Thanks I2D and Niddy
GM

[greymatter]

Re: Greymatter's ue Diary

[QUOTE]
Barclaycard Gold Visa
Type of account (credit card)
Date commenced (Pre 2000)
Approx Balance (£10600)
Last made a FULL payment (June 2003)
Default Notice issued by Mercers acting as agents for BC(Sep 2003)
Account run by DCA’s
Key:sent
received
other information
CURRENT STATUS:
16.12.11 Recorded delivery sent today
19.12.11 Signature obtained
10.01.12 No response to my CCA request.
10.01.12 Payment stopped
12.01.12 Letter received(In fact 2 identical) from CSL, they are referring back to client for copy docs.
26.01.2012 Received a letter direct from BC stating that they no longer hold a copy of my executable agreement.They go on further to state that they accept that they are therefore prevented from enforcing the agreement.
19.03.2012 Barclaycard(Posted from Stockport 2nd Class)informing me that the account has been passed to Moorcroft
19.03.2012 Letter (!st class fro Stockport)Moorcroft threatening me with intended litigation(in bold letters!)
21.03.2012 CCA Query - Letter Previously Confirming No CCA
21.03.2012 . Letter and attachments sent recorded today.
29.03.2012Letter received today from Moorcroft obviously ignoring ny letter with the enclosure.
IMPORTANT INFORMATION-POSSIBLE LITTIGATION.
29.03.2012 Threat by Creditor - Threat-o-Gram Letter Before Action
06/07/2012 Received the repeat possible litigation from Moorcroft this is after they said its on hold whilst investigating.
6/07/2012 I2D CCA Query - Letter Previously Confirming No CCA
6/07/2012 Recorded and sent.
8/07/2012 They have received and signed
12/07/2012 Received letter from Moorcroft,obviously ignoring my 2nd letter attaching BC cannot enforce letter.
12/07/2012 I would ignore them and save my postage.
23/07/2012 Received letter from Moorcrap Headed in very large caps indeed-MONTHLY INSTALMENT OFFER
08/2012 Letter has big bold 'LITIGATION WARNING'
8/08/2012 Threat by Creditor - Enough is Enough Response 13/09/2012 New DCA on the scene Wescot:
13/09/2012 Letter sent Sold whilst in dispute [QUOTE]

UPDATE :05/01/2013 DCA have returned account back to BC.

[Never-In-Doubt]

Re: Greymatter's ue Diary

Good

[greymatter]

Re: Greymatter's ue Diary

Barclayloan
Type of account (Loan)
Date commenced (Approx 2000)
Approx Balance (£4500)
Last made a FULL payment (June 2003)
Paying by arrangement with DCA(CDCS)
Default Notice issued by Barclay(Feb 2004)
Account original passed to CDCS
No statement or balance issued since 2005
Key:Green=My response
Red=OC/DCA response
Black=My comments/dates
08/08/2012: CCA request sent this morning by special delivery
31/08/2012: The 12+2 days are up.
12/11/2012: Letter from Barclays informing me that they are transferring the debt collection responsibility to BCW Group
12/11/2012: In2Deep:I would wait until you here from BCW then hit them with the Account in Dispute letter..........
15/11/2012:Letter received today fro BCW plus 2nd phone call.Letter sent SWID
25/11/12: Letter received , account on hold whilst being investigated.
14/12/12: Letter received BCW want more time(4weeks) to investigate

Update:15/01/2013
Letter informing me that BCW have closed the matter on their system and no further contact will be made by their office.

[ScabHunter]

Re: Greymatter's ue Diary

Letter informing me that BCW have closed the matter on their system and no further contact will be made by their office.

Well done, GM!

It is always satisfying to see one lot of chancers off, even when you know there is another one waiting in the wings.

Enjoy the well-earned rest before it surfaces again. You never know, sometimes it can be months or even years before you hear anything again.

SH

[greymatter]

Re: Greymatter's ue Diary

Thanks SH
GM

[nightwatch]

Re: Greymatter's ue Diary

nice one,
had a barcs loan that was making reduced payments on but sending through the post, all of a sudden they stoped cashing the chqs so i stopped paying in 2007, in 2008 a DCA sent me a letter saying they had been asked to collect the debt, sent off a CCA req and got a letter back saying they had refered to barcs not heard a word since, and no sign of it on my credit file either