Greymatter's ue Diary

[greymatter]

Re: Greymatter's ue Diary

Hi Niddy
I would like some advice on the following:

Natwest CC Bal £9K+ Taken out about 2001
Defaulted July 2003
Account Termination August 2003
Still paying agreed token monthly payment( very little)
However they always keep requesting a review every 3-6 months,I never increase my monthly amount,which they accept.
As they have not placed this with a collecting agency ,which surprises me,does this mean they have the agreement?I am concerned that a CCA request for my account might just awaken a monster here.
There's no way could I afford to pay the £9k.
Whats your advice here Niddy
Thanks
GM

Key:sent
received
other information


26/03/2012 Reg letter sent this morning.

[Never-In-Doubt]

Re: Greymatter's ue Diary

send for the CCA - why are you paying old accounts from c2000

Seriously, get the CCA asap then lets take a peek before doing anything

[greymatter]

Re: Greymatter's ue Diary

Hi Niddy
Sent by reg post today,should get signed confirmation tomorrow.

The reason I was paying the old account was (a) I lacked any sound CCA knowledge(Now gained from AAD) and (b) I was always concerned that they would find my PTs and demand full payment or face court.So the easiest route (ignorance)until now was to pay the token figure.
I can assure you Niddy,as soon as I get anything back I will inform you via the site immediately.If its a CCA then this will be sent as per your email.
Thanks Niddy
GM

[greymatter]

Re: Greymatter's ue Diary

Quote:
Originally Posted by greymatter
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 wordsThanks AAD


21.03.2012 Hi Niddy I received the following 2 letters :
19.03.2012 Barclaycard(Posted from Stockport 2nd Class)informing me that the account has been passed to Moorcroft who are now handling the account and I should correspond with them
19.03.2012 Letter (!st class fro Stockport)Moorcroft threatening me with intended litigation(in bold letters!)

Please advise best course of action for me to take here.
Thanks
GM
21.03.2012 I2D^^^^^CCA Query - Letter Previously Confirming No CCA-----<send this with a copy of the letter you have......
21.03.2012 . Letter and attachments sent recorded today.
Thanks I2D
GM [QUOTE]

29.03.2012 Letter received today from Moorcroft obviously ignoring ny letter with the enclosure.
This letter came in a yellow envelope(Piss coloured)with bold ref:IMPORTANT INFORMATION-POSSIBLE LITTIGATION.It shows a grid with costs if they were successful in entering a judgement.
What would be the response here please Niddy/I2D?
Thanks
GM

[Never-In-Doubt]

Re: Greymatter's ue Diary

Quote:
Barclaycard Gold Visa


29.03.2012 Letter received today from Moorcroft obviously ignoring ny letter with the enclosure.
This letter came in a yellow envelope(Piss coloured)with bold ref:IMPORTANT INFORMATION-POSSIBLE LITTIGATION.It shows a grid with costs if they were successful in entering a judgement.
What would be the response here please Niddy/I2D?
Thanks
GM

send this:---> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

[greymatter]

Re: Greymatter's ue Diary

Thanks Niddy
Letter: Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action
going to get recorded del now.
GM

[greymatter]

Re: Greymatter's ue Diary

[QUOTE=greymatter;170549]Quote:
Originally Posted by greymatter
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 wordsThanks AAD


21.03.2012 Hi Niddy I received the following 2 letters :
19.03.2012 Barclaycard(Posted from Stockport 2nd Class)informing me that the account has been passed to Moorcroft who are now handling the account and I should correspond with them
19.03.2012 Letter (!st class fro Stockport)Moorcroft threatening me with intended litigation(in bold letters!)

Please advise best course of action for me to take here.
Thanks
GM
21.03.2012 I2D^^^^^CCA Query - Letter Previously Confirming No CCA-----<send this with a copy of the letter you have......
21.03.2012 . Letter and attachments sent recorded today.
Thanks I2D

29.03.2012 Letter received today from Moorcroft obviously ignoring ny letter with the enclosure.
This letter came in a yellow envelope(Piss coloured)with bold ref:IMPORTANT INFORMATION-POSSIBLE LITTIGATION.It shows a grid with costs if they were successful in entering a judgement.
What would be the response here please Niddy/I2D?
Thanks
GM
29.03.2012 Niddy says: send this:---> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action
Thanks Niddy
29.03.2012 Letter: Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action
going to get recorded del now.
[QUOTE]
30.03.2012 Received a reply from Moorcroft referring to my previous letter 'account now on hold whilst they investigate...'

So they will now receive my latest letter as above which will push home the point.

[greymatter]

Re: Greymatter's ue Diary

Quote:
Originally Posted by greymatter
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

I left this response report until they had enough time to respond:

21/02/2012 Received letter from DCA informing me that they are referring this request to their client for copy documentation.

06/03/2012 As of today I still have not received anything. So I will stop payment before the due date and would this now be considered until they turn up the necessary docs?[/QUOTE]


03/04/2012 Still not received anything for this account .I have of course stopped payment .
Should I just sit tight?
My other diary for Barclays Select #72 is exacxtly the same.No response but payment definately stopped.
Sit tight here too?

[Deepie]

Re: Greymatter's ue Diary

just sit tight.....they are in defult of your CCA request....

[greymatter]

Re: Greymatter's ue Diary

Thanks I2D
Much appreciated.

[greymatter]

Re: Greymatter's ue Diary

Hi Niddy
I would like some advice on the following:

Natwest CC Bal £9K+ Taken out about 2001
Defaulted July 2003
Account Termination August 2003
Still paying agreed token monthly payment( very little)
However they always keep requesting a review every 3-6 months,I never increase my monthly amount,which they accept.
As they have not placed this with a collecting agency ,which surprises me,does this mean they have the agreement?I am concerned that a CCA request for my account might just awaken a monster here.
There's no way could I afford to pay the £9k.
Whats your advice here Niddy
Thanks
GM
Key:sent
received
other information
26/03/2012 Reg letter sent this morning.

send for the CCA - why are you paying old accounts from c2000

Seriously, get the CCA asap then lets take a peek before doing anything

17/04/2012 Still have not received CCA. Shall I take this as U/E at this moment .I assume there is no need to chase them?
Thanks
GM

[Pixie]

Re: Greymatter's ue Diary

If they haven't sent your cca then it's UE.

No point chasing them. Just let us know when they send something.

[greymatter]

Re: Greymatter's ue Diary

OK Thanks Pixie
GM

[greymatter]

Re: Greymatter's ue Diary

Its time to go for this one as I have not had a statement since early 2005.
Barclay Resolve
Type of account (Loan Account)
Date commenced ( 2002)
Approx Balance (£13600)
Last made a FULL payment (July 2003)
Paying by arrangement with DCA(CDCS)
Default Notice issued by Barclays(Feb 2004)
Account run by CDCS
Key:sent
received
other information

I am paying a small token payment and have not had contact since early 2005.However this will go for ever and the SB date will just keep moving out.I am concerned however that the CCA request could stir up interest charges and the like.However this site has given me confidence and if I don't act now I will have this bloody millstone around my neck till I die--and then some!
As a matter of interest CDCS have got the amount outstanding and references wrong.They have mixed them with a different debt!
Greymatter

15/05/2012 Special delivery CCA requested

[Never-In-Doubt]

Re: Greymatter's ue Diary

Its time to go for this one as I have not had a statement since early 2005.
Barclay Resolve
Type of account (Loan Account)
Date commenced ( 2002)
Approx Balance (£13600)
Last made a FULL payment (July 2003)
Paying by arrangement with DCA(CDCS)
Default Notice issued by Barclays(Feb 2004)
Account run by CDCS
Key:sent
received
other information

I am paying a small token payment and have not had contact since early 2005.However this will go for ever and the SB date will just keep moving out.I am concerned however that the CCA request could stir up interest charges and the like.However this site has given me confidence and if I don't act now I will have this bloody millstone around my neck till I die--and then some!
As a matter of interest CDCS have got the amount outstanding and references wrong.They have mixed them with a different debt!
Greymatter

15/05/2012 Special delivery CCA requested

Well done, keep us updated and keep to the payments for now, till we get the cca back

ps no need to send SD - that's too expensive