Greymatter's ue Diary

[greymatter]

Re: Greymatter's ue Diary

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 (£13000)

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

Updated

[greymatter]

Re: Greymatter's ue Diary

Its time I started my diary and I will load up as I tackle them,so the first here is:

Barclaycard Gold Visa

Type of account (credit card)

Date commenced (Approx 2000)

Approx Balance (£10600)

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 tomorrow and will update my diary when I receive anything.

Thanks to Niddy and you all.

Key:sent
received
other information

16.12.11 Recorded delivery sent today
19.12.11 Signature obtained
10.01.12 No response to my CCA request.Am I too early to send :CCA request Final Demand.Or should I ignore and stop payment now.
10.01.12 Payment stopped
12.01.12 Letter received(In fact 2 identical) they are referring back to client for copy docs.

Updated

[greymatter]

Re: Greymatter's ue Diary

Hey FP
Here's hoping!
GM

[greymatter]

Re: Greymatter's ue Diary

Thought it best to record this account here as it was in UE section:
Barclays (was EGG)

Type of account (credit card)

Date commenced (Approx 2000)

Approx Balance (£13000)

Last made a FULL payment (Apl 2003)

Paying by arrangement with DCA(Moorcroft)

Default Notice issued by Egg(Mar 2003)

Account run by Moorcroft

Key:sent
received
other information

3.11.11 CCA request sent(I sent two requests as I thought they ignored the 1st)
12.11.11 Letter received from Moorcroft stating'unable to produce a copy of your credit agreement because of the age of the account.....'

21.11.11 Letter sent Final Response - Unenforceability (No CCA Received)
28.11.11 Letter received from Moorcroft stating'returning the account back to their client and to cease any further activity with regard to it'
30.11.11 This makes the account
3.11.11 I have ceased payments
13.12.11 Letter received from BC informing me that account now passed to Allied International Credit.BC state that'We will no longer accept any communication from you'
19.12.11 Niddy says ignore
14.01.12 Could see on my phone I had been called by AIC in the morning-no message.So this is the start I suppose I will be getting the calls and letters now.Well with you all behind me 'let the games begin'

Here we go then!

[greymatter]

Re: Greymatter's ue Diary

Thought it best to record this account here as it was in UE section:
Barclays (was EGG)

Type of account (credit card)

Date commenced (Approx 2000)

Approx Balance (£13000)

Last made a FULL payment (Apl 2003)

Paying by arrangement with DCA(Moorcroft)

Default Notice issued by Egg(Mar 2003)

Account run by Moorcroft

Key:sent
received
other information

3.11.11 CCA request sent(I sent two requests as I thought they ignored the 1st)
12.11.11 Letter received from Moorcroft stating'unable to produce a copy of your credit agreement because of the age of the account.....'

21.11.11 Letter sent Final Response - Unenforceability (No CCA Received)
28.11.11 Letter received from Moorcroft stating'returning the account back to their client and to cease any further activity with regard to it'
30.11.11 This makes the account
3.11.11 I have ceased payments
13.12.11 Letter received from BC informing me that account now passed to Allied International Credit.BC state that'We will no longer accept any communication from you'
19.12.11 Niddy says ignore
14.01.12 Could see on my phone I had been called by AIC in the morning-no message.So this is the start I suppose I will be getting the calls and letters now.Well with you all behind me 'let the games begin'
16.01.12 As expected,I have received a letter from AIC this am.They are reviewing my fie within the collections dept to consider if further action is warranted.The options they go on to offer are various methods to reduce/pay off the balance.It closes with 'failure to contact us immediately on the telephone etc etc may result in a recommendation to their client that proceedings should be initiated against you'

Niddy,what will be my next course of action ,reply or ignore?
Thanks
GM
16.01.12Niddy says ignore
17.01.12 Rec'd another call from AIC this am but ignored it.
2/02/2012 Got a call from AIC 9.30am .I answered by mistake as I was expecting a call from a friend.However I told them I want any further communication made by letter.I told them that the OC BC cannot produce the agreement as it was over 6 years ago.
They said that they would get back to OC and will write to me when they have an answer.
I am annoyed that I answered but on reflection having recorded the conversation,does give me an audit trail.

[Never-In-Doubt]

Re: Greymatter's ue Diary

Niddy,what will be my next course of action ,reply or ignore?
Thanks
GM

use it as loo-roll?

Ignore this mate

[greymatter]

Re: Greymatter's ue Diary

Wow you dont hang about responding.Thanks Niddy.
I will go for the loo paper option.

[greymatter]

Re: Greymatter's ue Diary

Thought it best to record this account here as it was in UE section:
Barclays (was EGG)

Type of account (credit card)

Date commenced (Approx 2000)

Approx Balance (£13000)

Last made a FULL payment (Apl 2003)

Paying by arrangement with DCA(Moorcroft)

Default Notice issued by Egg(Mar 2003)

Account run by Moorcroft

Key:sent
received
other information

3.11.11 CCA request sent(I sent two requests as I thought they ignored the 1st)
12.11.11 Letter received from Moorcroft stating'unable to produce a copy of your credit agreement because of the age of the account.....'

21.11.11 Letter sent Final Response - Unenforceability (No CCA Received)
28.11.11 Letter received from Moorcroft stating'returning the account back to their client and to cease any further activity with regard to it'
30.11.11 This makes the account
3.11.11 I have ceased payments
13.12.11 Letter received from BC informing me that account now passed to Allied International Credit.BC state that'We will no longer accept any communication from you'
19.12.11 Niddy says ignore
14.01.12 Could see on my phone I had been called by AIC in the morning-no message.So this is the start I suppose I will be getting the calls and letters now.Well with you all behind me 'let the games begin'
16.01.12 As expected,I have received a letter from AIC this am.They are reviewing my fie within the collections dept to consider if further action is warranted.The options they go on to offer are various methods to reduce/pay off the balance.It closes with 'failure to contact us immediately on the telephone etc etc may result in a recommendation to their client that proceedings should be initiated against you'
Niddy,what will be my next course of action ,reply or ignore?
Thanks
GM
16.01.12Niddy says ignore

17.01.12 Rec'd another call from AIC this am but ignored it.

[garlok]

Re: Greymatter's ue Diary

AND logged it GM I hope!

regards
Garlok

[greymatter]

Re: Greymatter's ue Diary

Of course

[greymatter]

Re: Greymatter's ue Diary

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 the.

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?

[greymatter]

Re: Greymatter's ue Diary

Yorkshire Bank(was Vivid)
Type of account (Loan)

Date commenced (Approx 2001)

Approx Balance (£6500)

Last made a FULL payment (June 2003)
Paying by arrangement with DCA(Sutcliffe)
Default Notice issued by YB( 2003)
Account run by various DCA's(Apex,Sutcliffe,NCO,now Brunswick)
Eventually Account was purchased by Apex
04/03/2010 Letter sent by me requesting CCA(Recorded)
08/03/2010 Letter from Apex referring my request to YB.They placed my account on hold
25/03/2010 I sent Apex letter 'Failure to comply etc'
30/03/2010 Letter from Apex treating my last letter as a complaint
23/04/2010 Letter from Apex stating that they are advised by YB(NAGB)that they are unable to provide me with the number of requested documents.Therefore they are returning the account back to NABG and Apex are closing the account with Apex.
31/03/2010 I cancelled my monthly payment
20/06/2011 First statement received from YB showing old balance
08/07/2011 Chasing letter from Sutcliffes notifying me of a £20 uplift!
19/11/2011 Second statement with increased balance by £20
14/07/2011 I sent a letter reminding them of my request to Apex for CCA and their reply.I also asked them to please remove the £20 as the account is UE
They received this as I registered it and got a signature.(This was all done Pre Niddy )
I posted this initially under:Re: Charged £20 admin fee although account UE-(Under the Unenforceability section)
19/01/2012 Received letter from a new DCA Brunswick Collection Services requesting that I pay giving me various options.

Key:Items sent in blue
Items received in red
Comments in green



So as this is please advise me as to what my next move should be.
Thanks all.
GM

[Never-In-Doubt]

Re: Greymatter's ue Diary

Just ignore them for now.

[greymatter]

Re: Greymatter's ue Diary

Thanks Niddy
On the merry-go-round now I suppose
GM

[greymatter]

Re: Greymatter's ue Diary

[QUOTE=greymatter;136817]Its time I started my diary and I will load up as I tackle them,so the first here is:

Barclaycard Gold Visa

Type of account (credit card)

Date commenced (Approx 2000)

Approx Balance (£10600)

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 tomorrow and will update my diary when I receive anything.

Thanks to Niddy and you all.

Key:sent
received
other information

16.12.11 Recorded delivery sent today
19.12.11 Signature obtained
10.01.12 No response to my CCA request.Am I too early to send :CCA request Final Demand.Or should I ignore and stop payment now.
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.
This therefore makes it in their own words Thanks AAD[QUOTE]