benadabec UE Diary

[benadabec]

Re: benadabec UE Diary

Thanks for the replies. I shall certainly read your thread Garlok. I'd be more than happy to fight the b'stards.

[benadabec]

Re: benadabec UE Diary

Sent the Account Sold in Dispute letter to 1st Credit (who now own the Halifax account) and they have replied by titling the letter
Bankruptcy Proceedings Being Considered
and then goes on to say
"we are unaware of any legally valid reason for non-payment of the outstanding debt or of a reasonable offer being made. We are therefore considering whether we should issue a statutory demand under the Insolvency Act 1986"

It lists the implications of being made bankrupt and finishes with
"if you wish to avoid the possibility of the above proceedings taking place then we would recommend you contact us to pay in full".

So they've completely ignored that this account is in dispute and told me they wish to make me bankrupt. That's lovely of them. So what should I go back with, as they're obviously playing hardball? And should I next day delivery the letter to get to them before Christmas or wait until after?

[benadabec]

Re: benadabec UE Diary

Which letter (if any) should I send to 1st Credit in response to the Bankruptcy Consideration letter?

Thanks in advance

[Never-In-Doubt]

Re: benadabec UE Diary

Hi B,

Have a look at this thread:-

>Annual Statements of Account? - allaboutFORUMS

Read on from my post #15 and you will see where the guys put me right on overdrafts and the links to read up on.

regards
Garlok

And see this ---> allaboutFORUMS - View Single Post - Annual Statements of Account?

[Never-In-Doubt]

Re: benadabec UE Diary

Sent the Account Sold in Dispute letter to 1st Credit (who now own the Halifax account) and they have replied by titling the letter
Bankruptcy Proceedings Being Considered
and then goes on to say
"we are unaware of any legally valid reason for non-payment of the outstanding debt or of a reasonable offer being made. We are therefore considering whether we should issue a statutory demand under the Insolvency Act 1986"

It lists the implications of being made bankrupt and finishes with
"if you wish to avoid the possibility of the above proceedings taking place then we would recommend you contact us to pay in full".

So they've completely ignored that this account is in dispute and told me they wish to make me bankrupt. That's lovely of them. So what should I go back with, as they're obviously playing hardball? And should I next day delivery the letter to get to them before Christmas or wait until after?

Hi - looking at post 1 you never provided much details on this - please clarify the basic info we require...

• Type of account (credit card/loan)
  
  
• Date commenced (ideally before Apr 2007)
  
  
• Approx balance
  
  
• Date last paid (approximate date you last made a FULL payment)
  
  
• Are you on arrangement or not paying
  
  
• Status (default/in arrears/up-to-date)
  

[benadabec]

Re: benadabec UE Diary

Regarding Robinson Way for Marbles #124, they have written saying the account is being closed and sent back to the client. Great!

As for Lewis Group for Barclays overdraft #128 who last said they were passing the account over to a field agent to discuss the matter with me, well yesterday they paid me a visit (I was at work) and not content with ringing the doorbell, they banged on the door waking up my son from a lunchtime sleep and severely pissing off the wife. The 'field agent' then asked if I was in to which my wife said I wasn't. He then handed over a small envelope which contained a card that says

'Our representative called today to discuss an important matter with you concerning client Barclays Bank PLC. Please contact our agent to arrange a convenient date and time to resolve this matter. Contact our agent urgently to avoid any possible further recovery action.'

Then on the back, he has handwritten

Bal £1337-13
Repayment Plan £20 Month
Please call me to discuss

So they've finally come round the house and literally hammered on the door. F*ckers. For this overdraft, I haven't received any termination notice, any default notice, no statement of account and now have collectors hounding me at my house. I would agree to a repayment of £20 a month, but only if I have first reduced the balance way down. Any advice for the next step?

[Never-In-Doubt]

Re: benadabec UE Diary

So they've finally come round the house and literally hammered on the door. F*ckers. For this overdraft, I haven't received any termination notice, any default notice, no statement of account and now have collectors hounding me at my house. I would agree to a repayment of £20 a month, but only if I have first reduced the balance way down. Any advice for the next step?

Hmmm, I would send this back: ---> Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit

Don't let them grind you down.....

[mk_chatham]

Re: benadabec UE Diary

Hmmm, I would send this back: ---> Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit

Don't let them grind you down.....

You could also print out an extra copy and keep it in an envelope by the door to hand to the if they come back.

MK

[Never-In-Doubt]

Re: benadabec UE Diary

You could also print out an extra copy and keep it in an envelope by the door to hand to the if they come back.

MK

Ahh the ones you can print or verbally speak, through the door are here: ---> Our Templates | Harassment & Intimidation Templates | Telephone Threat - Initial Verbal Demand Text

Those are the ad-hoc on demand text, just edit it to suit doorstep visits......

[benadabec]

Re: benadabec UE Diary

Thanks Niddy. Nobody wakes up my son and gets away with it!

[pepe2008]

Re: benadabec UE Diary

Well there's a surprise. After the other day's 'we want to make you Bankrupt' vibe, today I received a letter from 1st Credit with a totally different tone.

This one is titled 'Request for copy agreement' and to summarise, it says

We refer to your recent communication requesting a copy of your agreement. This document is held by our client and we will advise them of your request and arrange for the document to be sent to you ASAP.
On receipt of the copy agreement we expect you (ooh!) to contact this office immediately to arrange full settlement.

This is the response I expected initially to be honest, rather than the full guns a-blazing legal route attitude of the previous letter. Still, I'm happy for them now to take the stance of waiting for the agreement to (not) show and then bugger off. Seasons greeting 1st Credit - you

If they continue to pester you I still have my file which I built up when they tried the same crap with me over a Citibank CC. It cost them a FOS Complaint and Compensation to me

[benadabec]

Re: benadabec UE Diary

After a reasonable period of hassle-freeness, I've had a letter regarding my Barclays overdraft.
It was previously with Lewis Group who specialised in sending an agent round a few times, but usually went away without a fight. After ignoring various letters and threats, this account must have gone back to Barclays, who have now brought in Moorcroft DCA.
Their letter which I received yesterday was the standard affair - "introduce ourselves" "outstanding debt" "must pay this immediately or we may proceed with further recovery procedures".

I guess my first port of call is ignore and see what follows?

[Deepie]

Re: benadabec UE Diary

I guess my first port of call is ignore and see what follows?

That's what I Would do.........

[benadabec]

Re: benadabec UE Diary

After ignoring numerous letters and even more numerous telephone calls from Moorcroft regarding my Barclays overdraft, including a 'generous' £80 per month repayment scheme, I've had a letter today from Midas Credit Services. On behalf of and part of the Moorcroft Group, they are recommending possible further recovery action unless an agreement on settlement of the account is made.

Shall I see what comes next or try their hand with the o/d CCA request?

[Deepie]

Re: benadabec UE Diary

After ignoring numerous letters and even more numerous telephone calls from Moorcroft regarding my Barclays overdraft, including a 'generous' £80 per month repayment scheme, I've had a letter today from Midas Credit Services. On behalf of and part of the Moorcroft Group, they are recommending possible further recovery action unless an agreement on settlement of the account is made.

Shall I see what comes next or try their hand with the o/d CCA request?

If it were me I would see what they send next Then do one..........