Greymatter's ue Diary

[greymatter]

Re: Greymatter's ue Diary

Quote:
Originally Posted by greymatter
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)30/10/2012
Hi Niddy/I2D received letter from new DCA ARC Europe account now passed to them for collection etc etc.
What is the best response here please?
'Sold whilst in dispute'
thanks
30/10/12 FlowerpowerIn view of the fact they couldn't locate the CCA. I would send this instead, with a copy of said letter saying they couldn't find it ---> Our Templates | Unenforceability Templates | CCA Query - Letter Previously Confirming No CCA
30/10/12 Don't worry, it won't hurt to inform a new DCA that the account is in dispute. When they next contact you arguing their client has complied you can then hit them with the "but they couldn't find it" letter.
[QUOTE]


02/11/2012 Letter from DCA account on hold ...referring back to client for copy of CCA
GM

[greymatter]

Re: Greymatter's ue Diary

Quote:
Originally Posted by greymatter
Key:sent
received
other information

Barclays Select
Type of account Fixed (Loan over 36 Months)
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)
I have responded with a copy of this letter and my PO receipt.
Is it best to now cancel the payment or wait ?
Quote:
06/03/2012 Still no response so should I consider this until I hear to the contrary?
I take it that I don't send any further requests?
Thanks
GM

25/05/12 Received an offer of 50% from DCA ,'failure to receive your payment..etc ,etc offer will be withdrawn and arrangements for full payment etc,etc.
Still no CCA ,so still
Should I ignore ??
Thanks
GM

25/05/2012 In2Deep:I Would if it was me.......

NOTE:15/06/2012 Letter from Post office confirming that PO had been cashed.

24/10/2012
Hi Niddy/I2D Just got a letter from a new DCA informing me that they are now responsible for recovery of o/s amount.
This account has never had a CCA although requested by me and reminder sent(see above) .What response should I send please.
Thanks
24/10/12 Flowerpower: Usually when a new DCA contacts you for the first time, you need to inform them that the account is disputed as they wouldn't have a clue, thus you'd send this ---> Our Templates | Unenforceability Templates | Account Sold whilst in Dispute
...even if the account hasn't been SOLD as such.
24/10/12 Thanks FP
Letter going today [QUOTE]

3/11/12 Hi Niddy/In2Deep
Received letter from DCA saying that they have been unable to contact me......but offered me a F&F 40%.Or they will pass to collection agency who will arrange a doorstep visit.
The date shown on the letter is the 29th and the date they received my recorded delivery (sold whilst in dispute) was the 25th.Possible timing crossover??
What would be the best response for me to get off on Monday?
Thanks
GM

[ScabHunter]

Re: Greymatter's ue Diary

If it was me I'd just ignore it and see what comes next, but then I am never worried about doorstep visits. If these bother you, you could send this -

Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit

The start of it might need amending if they haven't been trying to telephone you.

I don't think the issue of whether or not the letters crossed really matters, the point is that you've told them of the dispute which was in place at the time of the assignment. I'd just wait if it was me.

SH

[greymatter]

Re: Greymatter's ue Diary

OK
Thanks
They were phoning me but I never picked up.I will wait on this one as suggested SH as they signed for the recorded delivery reold whilst in dispute letter.
GM

[greymatter]

Re: Greymatter's ue Diary

Hi Niddy/I2D

Hi Niddy/I2D
With regard to the Resolve account(above),I have had at least 6 telephone recorded messages(never answered) two of them after my letter 'sold whilst in dispute' was sent.
Should I send tel harassment letter or give it more time ?
GM

7/11/12
I have now received a doorstep threat-o-gram from Power 2 Contact.
My letter to CSL was received by them 31/10/12 and the doorstep visit letter was dated 1/11/12.
Should I send 'Doorstep' template or ignore?
thanks
GM

[Deepie]

Re: Greymatter's ue Diary

Hi Niddy/I2D


7/11/12
I have now received a doorstep threat-o-gram from Power 2 Contact.
My letter to CSL was received by them 31/10/12 and the doorstep visit letter was dated 1/11/12.
Should I send 'Doorstep' template or ignore?
thanks
GM

I would send doorstep template if it were me...............

[greymatter]

Re: Greymatter's ue Diary

Thanks I2D
On its way
GM

[greymatter]

Re: Greymatter's ue Diary

Quote:
Originally Posted by greymatter
Final one on my list at last:
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 run by CDCS

No statement or balance issued since 2005

Hi Niddy/I2D
I left this until now to request CCA as I planned to phase all my CCA requests over the last 12+ months.Didn't want to overload the DCA/OC in one hit.

08/08/2012 CCA request sent this morning by special delivery
Greymatter

31/08/2012 Hi Niddy/I2D
The 12+2 days are up.Should I wait a bit longer before I cancel my monthly token payment.?
Also is there any real need before I do this to write and request a response to my CCA request?
Thanks
GM [QUOTE]

12/11/2012
Hi Niddy/I2D:Received letter from Barclays informing me that they are transferring the debt collection responsibility to BCW Group (Who are they??)
As Barclays have in fact ignored my initial CCA request and follow up letter should I send these newbies a 'sold in dispute' or wait for their 'phone calls and letters?
Thanks Nids and I2D.
GM

[Deepie]

Re: Greymatter's ue Diary

I would wait until you here from BCW then hit them with the Account in Dispute letter..........

[greymatter]

Re: Greymatter's ue Diary

Ok Thanks I2D
Will do
GM

[SA Gold]

Re: Greymatter's ue Diary

Ignored it? Knowing Barcraps track record, I'd say they must be frantically going through microfiches, DVD-RAM disks, backup tapes and old cardboard boxes before finally having to admit they just haven't got it!

Barcraps seem very clumsy to say the least. They admitted they couldn't produce mine (linky) and acknowledge they cannot enforce as a result.

[greymatter]

Re: Greymatter's ue Diary

Had my first call from BCW(I realise who they are now).I know its them as I checked with 'who calls me' so I will expect a few of these before I get their 'tried to contact you' letter.
Are this lot with or without teeth?
GM

[BBoo]

Re: Greymatter's ue Diary

They need dentures!

[Paul.]

Re: Greymatter's ue Diary

Had my first call from BCW(I realise who they are now).I know its them as I checked with 'who calls me' so I will expect a few of these before I get their 'tried to contact you' letter.
Are this lot with or without teeth?
GM

ok
Write the call down on a note pad, date, time who called etc

You will need evidence if they do sue , so as they say, be prepared

[greymatter]

Re: Greymatter's ue Diary

Hi Paul
Yes,have done this(always do)
Many thanks
GM