Greymatter's ue Diary

[greymatter]

Re: Greymatter's ue Diary

Thanks I2D
Going recorded now.

[greymatter]

Re: Greymatter's ue Diary

Just a quick point,if a DCA is actually registering at Companies House each year as Dormant,with no activity reported,can they still chase for monies?Or is this sliding under the Radar?
GM

[greymatter]

Re: Greymatter's ue Diary

Brunswick Collection Services Ltd.I checked them out on Companies House.They state that 'The Company did not trade during the current year(2011)or prior year and in the opinion of the Directors will not trade within the foreseeable future'
This lot are wholly owned by Clydesdale Bank,who are owned by Nat Aust Bank Ltd(Yorkshire Bank lot)
Brunswick are not on the CSA register as far as I can see.If they are trading(Debt Collecting) then they are not disclosing this to Companies House!
Whats your thoughts on this one FP
GM

[greymatter]

Re: Greymatter's ue Diary

Just looked them up and their licence lapsed on 06/12/2006.
GM

[greymatter]

Re: Greymatter's ue Diary

OK ,yes they are a sub of Clydesdale.However as I said Brunswick are Dormant.Perhaps I should check it out with the OFT.
GM

[greymatter]

Re: Greymatter's ue Diary

Spoke to OFT.I need to write to Brunswick and request confirmation that they are legally allowed to act as Debt Collectors.Certainly if they send a further chase letter.If not then OFT will investigate them.
The OFT have informed TS of the situation.
GM

[greymatter]

Re: Greymatter's ue Diary

Originally Posted by greymatter
Hi Niddy,I have read within these diaries that 'Fixed/Flexible' loans are somewhat different to the normal loan account.Does my loan come in this category?Hence my mini explanation of the running of my loan account,cos I was lent a fixed sum.If it does but they can't come across with a signed agreement then does this qualify for a U/E route?I have not made any application for CCA 77-79 until I get your thoughts regarding this situation.
Key:sent
received
other information

Barclays Select
Type of account Fixed (Loan over 36 Months)
Explanation
This loan account required that you pay the agreed fixed monthly amount and if you default( miss payment(s)) this agreed monthly figure is immediately tranferred to what they call a Flexible Account.This is shown(detailed) within the same monthly statement and interest is then added to the o/s month(s) default and added to the flexible balance.You are then required to pay the agreed current monthly fixed loan figure plus a minimum payment from the flexible balance.So if you cannot pay this you soon receive a D/N.The D/N shows the balance they are after,which is the total o/s.No split is shown between 'fixed and flexible'.
Date commenced (July 2003)

Approx Balance (£10000)

Last made a FULL payment (Apl 2004)

Paying by arrangement with DCA(Credit Solutions)

Default Notice issued by Barclays(Dec 2003 + again April 2004)

Account run by Credit Solutions

10/01/12 CCA request sent recorded delivery
20.01.12 Letter from CSL :they are requesting the documents from Barclays and will forward onto me when they get them.
I will give them till early next week,then I shall stop payment.

03/02/2012 Not yet had a reply.What response should I use or should I wait till next week?

10/02/2012 Received letter from them asking for the £1 fee.They had already sent me a letter telling me that they were requesting the docs from the OC.
They said to keep paying until they respond(Bollax)
10/02/12 I have responded with a copy of this letter and my PO receipt.
Is it best to now cancel the payment or wait ?

[greymatter]

Re: Greymatter's ue Diary

Hi I2D
Is it best to wait for their response as they are way over the time scale here,before cancelling.Actually they say in their letter (above note) that until I get a response I should still continue to pay.but then they would wouldn't they!
As I sent the PO and request by special del I know they rec'd ,but to check if the PO has been cashed takes a few weeks.
What do you reckon here?
Thanks
GM

[Deepie]

Re: Greymatter's ue Diary

Hi I2D
Is it best to wait for their response as they are way over the time scale here,before cancelling.Actually they say in their letter (above note) that until I get a response I should still continue to pay.but then they would wouldn't they!
As I sent the PO and request by special del I know they rec'd ,but to check if the PO has been cashed takes a few weeks.
What do you reckon here?
Thanks
GM

I Would stop paying......

[greymatter]

Re: Greymatter's ue Diary

Thanks I2D
GM

[greymatter]

Re: Greymatter's ue Diary

I am going for this next:
Arrow (was EGG)

Type of account (Loan with PPI)

Date commenced (Approx 1999)

Approx Balance (£3000)

Last made a FULL payment (Apl 2003)

Paying by arrangement with DCA(Moorcroft)

Default Notice issued by Egg(May 2003)

Account run by Moorcroft

Key:sent
received
other information

Been paying token payment for a few years.
25th June 2011 Egg assigned the account to Arrow Global
30/01/2012 CCA requested by recorded delivery
I will update as and when I receive any correspondence

10/02/2012 Received letter from DCA informing me that the OC cannot produce my agreement.
This therefore makes it UE



I have responded with Final Response - UE (No CCA Received)[/QUOTE]
27/02/2012 Redceived response from Moorcroft' They advise me that they no longer deal with this account.For avoidance of doubt I should resubmit my request to the client.
As its due to the fact that they have already told me they/client cannot produce the agreement etc should this now go under the 'ignore it' heading?

[Deepie]

Re: Greymatter's ue Diary

10/02/2012 Received letter from DCA informing me that the OC cannot produce my agreement.
This therefore makes it UE

I have responded with Final Response - UE (No CCA Received)

Keep that letter safe .......no need to respond.....

[greymatter]

Re: Greymatter's ue Diary

Thanks I2D
I sent the letter this A.M, as last time I did the same for a Moorcroft.They wanted a response so the AAD letter puts closure on it.
I must learn to slow down with my responses.LOL
Letter is indeed safe ..ooooh yes.
GM

[greymatter]

Re: Greymatter's ue Diary

Its time to start this one off:

Barclaycard MasterCard

Type of account (credit card)

Date commenced (Approx 2000)

Approx Balance (£3000)

Last made a FULL payment (June 2003)
Paying by arrangement with DCA(CSL)
Default Notice issued by Mercers acting as agents for BC(Sep 2003)
Account run by CSL

I will be requesting CCA by recorded delivery Monday 13th Feb 2012 and will update my diary when I receive anything.

Key:sent
received
other information

[Fribourg]

Re: Greymatter's ue Diary

Last made a FULL payment (June 2003)

Seems to me that its statute barred no??

My mistake, is on paying arrangement