Greymatter's ue Diary

[stuffthebanks]

Re: Greymatter's ue Diary

Pleased for you GM, nice start to the new year...well done..

[greymatter]

Re: Greymatter's ue Diary

Thanks Steve

[greymatter]

Re: Greymatter's ue Diary

Key:Items sent in blue
Items received in red
Comments in green
Yorkshire Bank(was Vivid)
Type of account (Loan)
Date commenced (Approx 2001)
Approx Balance (£6500)
Default Notice issued by YB( 2003)
Account run by various DCA's(Apex,Sutcliffe,NCO, Brunswick,Debt Managers)
Eventually Account was purchased by Apexand then returned to YB as no docs .
04/03/2010 Letter sent by me requesting CCA(Recorded)
08/03/2010 Letter from Apex referring my request to YB .
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
08/07/2011 Chasing letter from new DCA Sutcliffes notifying me of a £20 uplift!
19/11/2011 Second statement with increased balance by £20
19/01/2012 Received letter from a new DCA Brunswick Collection Services.
23/01/12 Niddy says ignore them for now
09/02/2012 Received a DO NOT IGNORE THIS NOTICE letter this morning,from Brunswick Collection Services. In more bold they say'Legal Proceedings could result in one or all of the following consequences:Any future sale of the house could be affected....etc etc
9/02/2012 I2D send them this >..........Threat by Creditor - Threat-o-Gram Letter Before Action
9/02/2012 Sent recorded
24/02/2012 Received letter from Clydesdale/Yorkshire Bank .
They have taken the above letter as a complaint etc
01/06/2012 Letter from Bruswick 'You have failed to make ay suitable arrangments etc'
Require full payment....Failure may result in legal proceedings.....

As you will see from the above diary events Brunswick were sent 'threat-o-gram.....'
This was obviously handed back (going around and around,to Clydesdale(as above)never got back to me with their findings,and now handed it back to their in house DCA.
What response should I send please,or is it an 'Ignore it' or a letter?
01/07/2012 Niddy: ‘see what happens next as they've literally went round the whole process and are back to the start again sending the same letters’.

UPDATE:Hi Niddy/I2D
23/01/2013 Letter from YB now instructing their agents ‘Debt Managers,Rotherham’ to collect full balance.
Should I wait to see what I receive first and then if necessary respond with ‘sold in dispute’?
Thanks
GM

[greymatter]

Re: Greymatter's ue Diary

Hi
In addition to the above from YB their letter finishes with this para:'If you are in dispute with the Bank regarding this debt........you must telephone this office immediately'
Sorry forgot to add this in ,so should I send them a sold in dispute letter asap?
GM

[greymatter]

Re: Greymatter's ue Diary

Hi I2D
re YB
I know its not a rush one but whats the best course of action please?
Thanks
GM

[Deepie]

Re: Greymatter's ue Diary

Hi I2D
re YB
I know its not a rush one but whats the best course of action please?
Thanks
GM

I'd see what they send next if it were me....

[greymatter]

Re: Greymatter's ue Diary

Thanks I2D
I will update as and when I receive something.
GM

[greymatter]

Re: Greymatter's ue Diary

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
13/10/2012 Letter(2nd one) from BC confirming cannot supply CCA
05/01/2013 DCA have returned account back to BC.


25/01/13 Hi I2D/SH :UPDATE::Received two letters ,one from BC notifying me that MKDP LLP have bought the debt and the second one ,same day ,same return address on envelope from MKDP LLP requesting that I should phone them to discuss.
Should I wait for contact to be made or send No CCA as this lot are an unknown DCA.
Thanks
GM

[Deepie]

Re: Greymatter's ue Diary

24/01/13 Hi I2D/SH :UPDATE::Received two letters ,one from BC notifying me that MKDP LLP have bought the debt and the second one ,same day ,same return address on envelope from MKDP LLP requesting that I should phone them to discuss.
Should I wait for contact to be made or send No CCA as this lot are an unknown DCA.
Thanks
GM

Wait until they write to you then I would send this---> Account Sold whilst in Dispute

[greymatter]

Re: Greymatter's ue Diary

Thanks I2D
Is the sold whilst in dispute a preferred reply when the OC admits to cannot supply CCA.
Thanks
GM

[Deepie]

Re: Greymatter's ue Diary

Thanks I2D
Is the sold whilst in dispute a preferred reply when the OC admits to cannot supply CCA.
Thanks
GM

Sorry missed that .....just wait until they write to you

[greymatter]

Re: Greymatter's ue Diary

Hi I2D
OK will do, however what reply would be preferred out of the two?
Thanks
GM

[Deepie]

Re: Greymatter's ue Diary

Hi I2D
OK will do, however what reply would be preferred out of the two?
Thanks
GM

Lets see what they have to say first......

[greymatter]

Re: Greymatter's ue Diary

RightO
Thanks I2D
Me jumping the gun again!
Much appreciated
GM

[greymatter]

Re: Greymatter's ue Diary


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

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.
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.
06/03/2012: Still no response
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 ??
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:Just got a letter from a new DCA(By the name of Zinc) 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 pl;ease.
Thanks
24/10/12: Letter sent recorded ‘Account sold whilst in dispute’
11/12/12:Hi Niddy /In2Deep
Had a phone call (recorded and not answered) requesting I ‘phone them.
Does this need a one line referring them to my letter of the 24/10/2012 or ignore.
11/12/12 Pixie:As Paul likes having a paper trail it might be worthwhile sending them a one-liner.
11/12/12 SH: If you did decide to send a one-liner referring to the previous letter, I would also include a paragraph telling them that you will only communicate in writing.
11/12/12: Thanks Pixie and SH Letter going today Recorded of course.

UPDATE:
Hi I2D/SH
30/01/13: DCA started phoning again,they left a meesage to contact them.Ihave recorded this as before.
Whats best to do here as I have sent them the reply as above.
Thanks
GM