Greymatter's ue Diary

[greymatter]

Re: Greymatter's ue Diary

Thanks Niddy
GM

[greymatter]

Re: Greymatter's ue Diary

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 original passed to CDCS
No statement or balance issued since 2005
Key:Green=My response
Red=OC/DCA response
Black=My comments/dates
08/08/2012: CCA request sent this morning by special delivery
31/08/2012: The 12+2 days are up.
12/11/2012: Letter from Barclays informing me that they are transferring the debt collection responsibility to BCW Group
12/11/2012: In2Deep:I would wait until you here from BCW then hit them with the Account in Dispute letter..........
15/11/2012:Letter received today fro BCW plus 2nd phone call.Letter sent SWID
25/11/12: Letter received , account on hold whilst being investigated.
14/12/12: Letter received BCW want more time(4weeks) to investigate
15/01/2013 Letter informing me that BCW have closed the matter on their system and no further contact will be made by their office.
7/05/2013 Letter from Barclays now getting Moorcroft to manage account.
Should I wait for usual spate of phone calls and letters before sending SWID response??
8/05/2013: ScabHunter:That's it, GM. All routine and expected. This rabble are a known quantity who are featured extensively on these threads, so there shouldn't be any nasty surprises.
Good luck with it.
8/5/2013:SWID rec del sent.
11/05/2012
Hi Niddy,I have received a reply from Moorcroft in response to my SWID letter,they are asking me to pay £1 for the a copy of my CCA.Are they bloody stupid as this was requested back in August 2012,originally with CDCS who simply put it to Barclay who in turn sent account to BCW for collection.I sent a SWID to BCW ,they contacted Barclays and BCW did not get a response from Barclays so they returned the account to them,closing it with me.Now Barclays have involved Moorcroft and they are asking for a £1 fee.Bo***Ks
I have the receipt of the original £1 PO and recorded delivery
What response (if any)should I send.
11/05/2013:SH:If it is a response to the SWID letter it is a bloody rapid one. Three days? It is more than likely that the letters crossed in the post.
This is a standard Moroncrap tactic which I've seen many times before.
“Dear Sirs,
I am in receipt of your letter of xxth May 2013, but I am unable to understand its contents. You reference the possibility of submitting a request for information pursuant to Section 77 of the Consumer Credit Act 1974, when you must be aware from previous communications that such a request would be entirely superfluous.
A request of this type was forwarded to Barclays on 8th August 2012, and this remains in default. While the default endures, enforcement is prohibited. Please refer to my previous letter of 8th May 2013.
Yours Faithfully,”
13/05/2013:Recorded delivery sent.
14/05/2013:Signed receipt
16/05/2013:Letter from M/Crft suspending follow-up action.Awaiting response from Barclays.
13/06/2013
Hi Scabhunter I have received a reply from Moorcroft( I have been away for a week)informing me that BC reckon they did not receive my CCA request or £1. As this was requested by recorded delivery and signed for and a receipt for the £1 PO with the correct post code for CDCS on the 9/08/2012 should I send a copy of the original request plus photo copies of the signed for letter and £1 po receipt.Or is their a more preferred reply to this please?
14/06/2013:Niddy:Yea send a copy off - leave them in default, best way!

UPDATE:18/06/2013
Hi SH
Getting about two to three calls a day(Recorded but not answered)bit of a pain.They have received my letter(signed for),should I give them a few more days for it to reach the right twat and then if necessary send a Tel harass letter?
Thanks
GM

[ScabHunter]

Re: Greymatter's ue Diary

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 original passed to CDCS
No statement or balance issued since 2005
Key:Green=My response
Red=OC/DCA response
Black=My comments/dates
08/08/2012: CCA request sent this morning by special delivery
31/08/2012: The 12+2 days are up.
12/11/2012: Letter from Barclays informing me that they are transferring the debt collection responsibility to BCW Group
12/11/2012: In2Deep:I would wait until you here from BCW then hit them with the Account in Dispute letter..........
15/11/2012:Letter received today fro BCW plus 2nd phone call.Letter sent SWID
25/11/12: Letter received , account on hold whilst being investigated.
14/12/12: Letter received BCW want more time(4weeks) to investigate
15/01/2013 Letter informing me that BCW have closed the matter on their system and no further contact will be made by their office.
7/05/2013 Letter from Barclays now getting Moorcroft to manage account.
Should I wait for usual spate of phone calls and letters before sending SWID response??
8/05/2013: ScabHunter:That's it, GM. All routine and expected. This rabble are a known quantity who are featured extensively on these threads, so there shouldn't be any nasty surprises.
Good luck with it.
8/5/2013:SWID rec del sent.
11/05/2012
Hi Niddy,I have received a reply from Moorcroft in response to my SWID letter,they are asking me to pay £1 for the a copy of my CCA.Are they bloody stupid as this was requested back in August 2012,originally with CDCS who simply put it to Barclay who in turn sent account to BCW for collection.I sent a SWID to BCW ,they contacted Barclays and BCW did not get a response from Barclays so they returned the account to them,closing it with me.Now Barclays have involved Moorcroft and they are asking for a £1 fee.Bo***Ks
I have the receipt of the original £1 PO and recorded delivery
What response (if any)should I send.
11/05/2013:SH:If it is a response to the SWID letter it is a bloody rapid one. Three days? It is more than likely that the letters crossed in the post.
This is a standard Moroncrap tactic which I've seen many times before.
“Dear Sirs,
I am in receipt of your letter of xxth May 2013, but I am unable to understand its contents. You reference the possibility of submitting a request for information pursuant to Section 77 of the Consumer Credit Act 1974, when you must be aware from previous communications that such a request would be entirely superfluous.
A request of this type was forwarded to Barclays on 8th August 2012, and this remains in default. While the default endures, enforcement is prohibited. Please refer to my previous letter of 8th May 2013.
Yours Faithfully,”
13/05/2013:Recorded delivery sent.
14/05/2013:Signed receipt
16/05/2013:Letter from M/Crft suspending follow-up action.Awaiting response from Barclays.
13/06/2013
Hi Scabhunter I have received a reply from Moorcroft( I have been away for a week)informing me that BC reckon they did not receive my CCA request or £1. As this was requested by recorded delivery and signed for and a receipt for the £1 PO with the correct post code for CDCS on the 9/08/2012 should I send a copy of the original request plus photo copies of the signed for letter and £1 po receipt.Or is their a more preferred reply to this please?
14/06/2013:Niddy:Yea send a copy off - leave them in default, best way!

UPDATE:18/06/2013
Hi SH
Getting about two to three calls a day(Recorded but not answered)bit of a pain.They have received my letter(signed for),should I give them a few more days for it to reach the right twat and then if necessary send a Tel harass letter?
Thanks
GM

You could do that. Make sure that the calls are logged in case this builds up into a case of harassment.

SH

[greymatter]

Re: Greymatter's ue Diary

Thanks SH
Yes ,all calls have been logged.If I get a few more tomorrow I will send it.
GM

[helmsman]

Re: Greymatter's ue Diary

Thanks SH
Yes ,all calls have been logged.If I get a few more tomorrow I will send it.
GM

Hi,
I am pretty sure I read that Paul said the calls have to be answered before they can be used as harassment. Of course I may be wrong I usually am

[ScabHunter]

Re: Greymatter's ue Diary

Hi,
I am pretty sure I read that Paul said the calls have to be answered before they can be used as harassment. Of course I may be wrong I usually am

You are indeed right, H. But, there are more ways than one of using data to build up a case against someone. It doesn't necessarily have to be aimed at court. It could be aimed at a FOS complaint, or just as extra ammunition for letters fending off legal action. I still think it is best to have a record.

SH

[greymatter]

Re: Greymatter's ue Diary

Hi SH and H
The calls are actually recorded on my telephone (its a BT block calls type) the message they leave is after they receive the request to hang up or leave a message.So surely in effect the calls are 'answered' .
GM

[ScabHunter]

Re: Greymatter's ue Diary

Hi SH and H
The calls are actually recorded on my telephone (its a BT block calls type) the message they leave is after they receive the request to hang up or leave a message.So surely in effect the calls are 'answered' .
GM

If you were bringing an harassment case in court, that would not be enough. The court would expect you to answer it yourself, or return the messages. They wouldn't deem it as harassment if they had to keep trying because they never got through.

SH

[greymatter]

Re: Greymatter's ue Diary

SH
So really what is the best action to take as answering would be a no no .Our template requests that they stop but if the courts would consider that recorded messages are not harassment then this not going to have the desired effect surely?
GM

[ScabHunter]

Re: Greymatter's ue Diary

SH
So really what is the best action to take as answering would be a no no .Our template requests that they stop but if the courts would consider that recorded messages are not harassment then this not going to have the desired effect surely?
GM

It depends what you are trying to achieve. If you were trying to build up evidence to take a creditor to court for harassment, you would need to answer the phones. That is not usually our objective, though. Our objective is to get the creditor to abandon the nuisance calls, or at least to have evidence to show a court when we are defending that the nuisance didn't stop.

The letters often have brought a response from creditors that they will stop, although it is usually tempered with some rubbish about starting again if there is a "need" to.

SH

[greymatter]

Re: Greymatter's ue Diary

Understood SH

Thanks
GM

[SA Gold]

Re: Greymatter's ue Diary

The court would expect you to answer it yourself, or return the messages.
They wouldn't deem it as harassment if they had to keep trying because they never got through.
SH

Scab raises two good points here. As much of a nuisance it is to us, the fact you (we) generally don't answer when these maggots call could be understood that we are not being hassled at all.
My suggestion is to install a call dropper on your phone if possible and stop them even ringing in the first place.

[greymatter]

Re: Greymatter's ue Diary

Thanks Missy
What they have been doing is calling using 'unavailable' as the caller.These calls are not stoppable(Thats my understanding)so I need to read up about your suggestion 'call dropper'that could be the answer.
GM

[ken100464]

Re: Greymatter's ue Diary



If that dont work could I suggest one of these?

[greymatter]

Re: Greymatter's ue Diary

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